{"version":"1.0.0","segments":[{"speaker":"Average Joe Finances","startTime":2.008,"endTime":4.378,"body":"Hey, welcome back"},{"speaker":"Average Joe Finances","startTime":2.008,"endTime":4.378,"body":"to the average Joe Finances podcast."},{"speaker":"Average Joe Finances","startTime":4.378,"endTime":8.248,"body":"I'm your host, Mike Cavaggioni, and"},{"speaker":"Average Joe Finances","startTime":4.378,"endTime":8.248,"body":"today's guest is Marcus Maloney."},{"speaker":"Average Joe Finances","startTime":8.578,"endTime":10.408,"body":"Marcus, super excited"},{"speaker":"Average Joe Finances","startTime":8.578,"endTime":10.408,"body":"to have you on the show."},{"speaker":"Average Joe Finances","startTime":10.408,"endTime":11.668,"body":"Thank you for joining me."},{"speaker":"Average Joe Finances","startTime":11.698,"endTime":12.118,"body":"Welcome."},{"speaker":"Marcus Maloney","startTime":13.228,"endTime":14.308,"body":"Thank you so much, Mike."},{"speaker":"Marcus Maloney","startTime":14.308,"endTime":16.228,"body":"I appreciate you having me on the show."},{"speaker":"Marcus Maloney","startTime":16.228,"endTime":19.808,"body":"And thank you to the listeners"},{"speaker":"Marcus Maloney","startTime":16.228,"endTime":19.808,"body":"of the Average Joe Podcast just"},{"speaker":"Marcus Maloney","startTime":19.808,"endTime":21.148,"body":"for welcoming me here today."},{"speaker":"Average Joe Finances","startTime":21.808,"endTime":22.438,"body":"Absolutely."},{"speaker":"Average Joe Finances","startTime":22.438,"endTime":26.578,"body":"Hey, I wanna start this off the same"},{"speaker":"Average Joe Finances","startTime":22.438,"endTime":26.578,"body":"way I start every podcast episode,"},{"speaker":"Average Joe Finances","startTime":26.583,"endTime":28.198,"body":"and we wanna know more about you."},{"speaker":"Average Joe Finances","startTime":28.528,"endTime":31.348,"body":"So if you could share a little bit"},{"speaker":"Average Joe Finances","startTime":28.528,"endTime":31.348,"body":"about yourself, share your story."},{"speaker":"Average Joe Finances","startTime":31.348,"endTime":33.598,"body":"Who is Marcus Maloney?"},{"speaker":"Marcus Maloney","startTime":34.498,"endTime":34.948,"body":"Sure."},{"speaker":"Marcus Maloney","startTime":34.953,"endTime":35.218,"body":"Okay."},{"speaker":"Marcus Maloney","startTime":35.218,"endTime":37.888,"body":"So what I'll do, I'll give you,"},{"speaker":"Marcus Maloney","startTime":35.218,"endTime":37.888,"body":"the overarching view and then"},{"speaker":"Marcus Maloney","startTime":37.888,"endTime":39.528,"body":"I'll drill down a little bit Mike."},{"speaker":"Marcus Maloney","startTime":39.578,"endTime":44.048,"body":"High school dropped out before graduation."},{"speaker":"Marcus Maloney","startTime":46.393,"endTime":50.233,"body":"Became, got my M B A and took the"},{"speaker":"Marcus Maloney","startTime":46.393,"endTime":50.233,"body":"college route and everything like that."},{"speaker":"Marcus Maloney","startTime":50.233,"endTime":54.493,"body":"But just specifically flat out, Marcus"},{"speaker":"Marcus Maloney","startTime":50.233,"endTime":54.493,"body":"Maloney is a real estate investor that"},{"speaker":"Marcus Maloney","startTime":54.493,"endTime":61.263,"body":"goes out and finds amazing opportunities,"},{"speaker":"Marcus Maloney","startTime":54.493,"endTime":61.263,"body":"assets with a lot of equity."},{"speaker":"Marcus Maloney","startTime":61.268,"endTime":64.414,"body":"And we use that equity to reposition"},{"speaker":"Marcus Maloney","startTime":61.268,"endTime":64.414,"body":"properties, to turn those."},{"speaker":"Marcus Maloney","startTime":64.923,"endTime":69.763,"body":"Those liabilities into,"},{"speaker":"Marcus Maloney","startTime":64.923,"endTime":69.763,"body":"wealth appreciating assets."},{"speaker":"Marcus Maloney","startTime":69.763,"endTime":73.793,"body":"So that's one of the things that I do, and"},{"speaker":"Marcus Maloney","startTime":69.763,"endTime":73.793,"body":"I feel that's my go-to, that's my niche."},{"speaker":"Marcus Maloney","startTime":73.793,"endTime":77.333,"body":"We like to take properties, not"},{"speaker":"Marcus Maloney","startTime":73.793,"endTime":77.333,"body":"so much to go in and do a fix and"},{"speaker":"Marcus Maloney","startTime":77.333,"endTime":81.868,"body":"flip, but just to turn, to take"},{"speaker":"Marcus Maloney","startTime":77.333,"endTime":81.868,"body":"properties that are not generating"},{"speaker":"Marcus Maloney","startTime":81.898,"endTime":83.728,"body":"income, and then turn those around."},{"speaker":"Marcus Maloney","startTime":83.968,"endTime":85.918,"body":"Generate income for myself."},{"speaker":"Marcus Maloney","startTime":87.523,"endTime":91.313,"body":"Like I said, just to drill down a"},{"speaker":"Marcus Maloney","startTime":87.523,"endTime":91.313,"body":"little bit now yeah, I dropped outta"},{"speaker":"Marcus Maloney","startTime":91.313,"endTime":95.623,"body":"high school man when I was two to three"},{"speaker":"Marcus Maloney","startTime":91.313,"endTime":95.623,"body":"months from graduating because I just"},{"speaker":"Marcus Maloney","startTime":95.623,"endTime":97.633,"body":"felt that I wasn't gonna graduate."},{"speaker":"Marcus Maloney","startTime":97.693,"endTime":100.873,"body":"I was always that kid"},{"speaker":"Marcus Maloney","startTime":97.693,"endTime":100.873,"body":"that questioned authority."},{"speaker":"Marcus Maloney","startTime":100.873,"endTime":103.443,"body":"I questioned teachers, why"},{"speaker":"Marcus Maloney","startTime":100.873,"endTime":103.443,"body":"do we have to learn this?"},{"speaker":"Marcus Maloney","startTime":103.448,"endTime":105.158,"body":"How's this applicable in my life?"},{"speaker":"Marcus Maloney","startTime":105.158,"endTime":109.328,"body":"And they could never explain it, they"},{"speaker":"Marcus Maloney","startTime":105.158,"endTime":109.328,"body":"was always just say, because you have to."},{"speaker":"Marcus Maloney","startTime":109.448,"endTime":110.798,"body":"And that wasn't enough."},{"speaker":"Marcus Maloney","startTime":112.683,"endTime":116.603,"body":"Yeah, it wasn't enough of a reason for"},{"speaker":"Marcus Maloney","startTime":112.683,"endTime":116.603,"body":"me because I always had a dream and"},{"speaker":"Marcus Maloney","startTime":116.603,"endTime":120.713,"body":"I always focused on real estate, so I"},{"speaker":"Marcus Maloney","startTime":116.603,"endTime":120.713,"body":"just always wanted to know how it was"},{"speaker":"Marcus Maloney","startTime":120.713,"endTime":125.043,"body":"applicable to me, and I speak to the"},{"speaker":"Marcus Maloney","startTime":120.713,"endTime":125.043,"body":"listeners right now, and whatever you're"},{"speaker":"Marcus Maloney","startTime":125.043,"endTime":129.093,"body":"doing, just make sure it's applicable"},{"speaker":"Marcus Maloney","startTime":125.043,"endTime":129.093,"body":"to the goal that you're trying to reach."},{"speaker":"Marcus Maloney","startTime":129.093,"endTime":132.903,"body":"Even if you're in your nine to"},{"speaker":"Marcus Maloney","startTime":129.093,"endTime":132.903,"body":"five right now, We know that may be"},{"speaker":"Marcus Maloney","startTime":132.903,"endTime":136.653,"body":"temporary, or you may love your nine"},{"speaker":"Marcus Maloney","startTime":132.903,"endTime":136.653,"body":"to five, but how is that gonna help"},{"speaker":"Marcus Maloney","startTime":136.658,"endTime":138.783,"body":"you with your finances in the future?"},{"speaker":"Marcus Maloney","startTime":139.133,"endTime":143.573,"body":"Mike to boil it all down, man, I"},{"speaker":"Marcus Maloney","startTime":139.133,"endTime":143.573,"body":"got started really learning about my"},{"speaker":"Marcus Maloney","startTime":143.573,"endTime":148.943,"body":"finances and learning about investing"},{"speaker":"Marcus Maloney","startTime":143.573,"endTime":148.943,"body":"at an early age, what we had to do."},{"speaker":"Marcus Maloney","startTime":149.783,"endTime":153.023,"body":"Unlike most kids when you return"},{"speaker":"Marcus Maloney","startTime":149.783,"endTime":153.023,"body":"back to school, you go school"},{"speaker":"Marcus Maloney","startTime":153.023,"endTime":156.083,"body":"shopping and you get new school"},{"speaker":"Marcus Maloney","startTime":153.023,"endTime":156.083,"body":"clothes and everything like that."},{"speaker":"Marcus Maloney","startTime":156.263,"endTime":158.423,"body":"That was just something mom"},{"speaker":"Marcus Maloney","startTime":156.263,"endTime":158.423,"body":"and dad did for everybody."},{"speaker":"Marcus Maloney","startTime":158.423,"endTime":165.593,"body":"For us, I grew up on a 49 acre farm, and"},{"speaker":"Marcus Maloney","startTime":158.423,"endTime":165.593,"body":"what we had to do was in the spring we"},{"speaker":"Marcus Maloney","startTime":165.593,"endTime":170.803,"body":"would buy piglets, for 20 15, 20 we buy."},{"speaker":"Marcus Maloney","startTime":173.988,"endTime":177.198,"body":"Fatten those piglets up over the"},{"speaker":"Marcus Maloney","startTime":173.988,"endTime":177.198,"body":"summer and then we would take them"},{"speaker":"Marcus Maloney","startTime":177.198,"endTime":181.498,"body":"to the auction and right before"},{"speaker":"Marcus Maloney","startTime":177.198,"endTime":181.498,"body":"school starts and we would make"},{"speaker":"Marcus Maloney","startTime":181.498,"endTime":184.438,"body":"money, so we would invest 15 to $20."},{"speaker":"Marcus Maloney","startTime":184.438,"endTime":187.708,"body":"We would feed these piglets till they"},{"speaker":"Marcus Maloney","startTime":184.438,"endTime":187.708,"body":"got fat and we would take them to the"},{"speaker":"Marcus Maloney","startTime":187.708,"endTime":189.718,"body":"auction Right before school starts."},{"speaker":"Marcus Maloney","startTime":189.868,"endTime":191.398,"body":"We would make like $300."},{"speaker":"Marcus Maloney","startTime":191.398,"endTime":198.098,"body":"We would get the delta between the 15 to"},{"speaker":"Marcus Maloney","startTime":191.398,"endTime":198.098,"body":"$20 and the 300, was anywhere from, 85."},{"speaker":"Marcus Maloney","startTime":198.483,"endTime":203.163,"body":"Two 80 to 2 85, and that's what we were"},{"speaker":"Marcus Maloney","startTime":198.483,"endTime":203.163,"body":"used to go and do our school shopping."},{"speaker":"Marcus Maloney","startTime":203.163,"endTime":207.783,"body":"So I learned at an early"},{"speaker":"Marcus Maloney","startTime":203.163,"endTime":207.783,"body":"age buy low and sell high."},{"speaker":"Marcus Maloney","startTime":207.873,"endTime":210.823,"body":"And I just continued that"},{"speaker":"Marcus Maloney","startTime":207.873,"endTime":210.823,"body":"throughout my career."},{"speaker":"Average Joe Finances","startTime":211.693,"endTime":212.113,"body":"Right on."},{"speaker":"Average Joe Finances","startTime":212.113,"endTime":214.723,"body":"Were any of those piglets"},{"speaker":"Average Joe Finances","startTime":212.113,"endTime":214.723,"body":"saved by a spider?"},{"speaker":"Average Joe Finances","startTime":216.108,"endTime":216.258,"body":"No."},{"speaker":"Average Joe Finances","startTime":216.258,"endTime":219.438,"body":"Charlotte, no Charlotte's"},{"speaker":"Average Joe Finances","startTime":216.258,"endTime":219.438,"body":"web happening here okay."},{"speaker":"Average Joe Finances","startTime":219.648,"endTime":222.588,"body":"No I had to ask, I had to"},{"speaker":"Average Joe Finances","startTime":219.648,"endTime":222.588,"body":"ask, but no that's great, man."},{"speaker":"Average Joe Finances","startTime":222.588,"endTime":226.023,"body":"At a very young age now you're"},{"speaker":"Average Joe Finances","startTime":222.588,"endTime":226.023,"body":"learning about this, about"},{"speaker":"Average Joe Finances","startTime":226.028,"endTime":227.343,"body":"investing essentially, right?"},{"speaker":"Average Joe Finances","startTime":227.348,"endTime":228.758,"body":"Buying, buying the piglets at."},{"speaker":"Average Joe Finances","startTime":229.293,"endTime":232.708,"body":"When they're babies, for 15"},{"speaker":"Average Joe Finances","startTime":229.293,"endTime":232.708,"body":"to 20 bucks and then fattening"},{"speaker":"Average Joe Finances","startTime":232.708,"endTime":234.328,"body":"them up and selling 'em for 300."},{"speaker":"Average Joe Finances","startTime":234.648,"endTime":234.828,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":234.858,"endTime":238.658,"body":"Now, obviously there's cost in there as"},{"speaker":"Average Joe Finances","startTime":234.858,"endTime":238.658,"body":"well with having to feed them and stuff."},{"speaker":"Average Joe Finances","startTime":238.658,"endTime":242.103,"body":"So you can think about that in a real"},{"speaker":"Average Joe Finances","startTime":238.658,"endTime":242.103,"body":"estate term, like holding costs, right?"},{"speaker":"Average Joe Finances","startTime":242.103,"endTime":243.903,"body":"So like, how long are"},{"speaker":"Average Joe Finances","startTime":242.103,"endTime":243.903,"body":"you holding them for?"},{"speaker":"Average Joe Finances","startTime":244.183,"endTime":246.553,"body":"How much is that eaten your"},{"speaker":"Average Joe Finances","startTime":244.183,"endTime":246.553,"body":"profits and things like that."},{"speaker":"Average Joe Finances","startTime":246.553,"endTime":249.913,"body":"So I think that's a very valuable"},{"speaker":"Average Joe Finances","startTime":246.553,"endTime":249.913,"body":"lesson that you learned at a young age,"},{"speaker":"Average Joe Finances","startTime":250.273,"endTime":252.553,"body":"and probably one of the reasons why."},{"speaker":"Average Joe Finances","startTime":253.048,"endTime":257.318,"body":"You were questioning, school and"},{"speaker":"Average Joe Finances","startTime":253.048,"endTime":257.318,"body":"stuff hey, like this stuff isn't"},{"speaker":"Average Joe Finances","startTime":257.318,"endTime":259.238,"body":"gonna help me when I leave here."},{"speaker":"Average Joe Finances","startTime":259.238,"endTime":261.488,"body":"What's gonna help me is"},{"speaker":"Average Joe Finances","startTime":259.238,"endTime":261.488,"body":"learning how to make more money."},{"speaker":"Marcus Maloney","startTime":262.008,"endTime":262.313,"body":"Exactly."},{"speaker":"Marcus Maloney","startTime":262.318,"endTime":262.573,"body":"Exactly."},{"speaker":"Average Joe Finances","startTime":262.633,"endTime":265.288,"body":"So yeah, I"},{"speaker":"Average Joe Finances","startTime":262.633,"endTime":265.288,"body":"think you had something instilled in"},{"speaker":"Average Joe Finances","startTime":265.288,"endTime":269.373,"body":"you at a very young age, but now you"},{"speaker":"Average Joe Finances","startTime":265.288,"endTime":269.373,"body":"did say that you went on to actually"},{"speaker":"Average Joe Finances","startTime":269.373,"endTime":271.503,"body":"go to college, get your MBA, right?"},{"speaker":"Average Joe Finances","startTime":271.538,"endTime":275.098,"body":"So did you wind up going to get a GED"},{"speaker":"Average Joe Finances","startTime":271.538,"endTime":275.098,"body":"or did you go back to school and finish?"},{"speaker":"Marcus Maloney","startTime":275.728,"endTime":275.968,"body":"Yeah."},{"speaker":"Marcus Maloney","startTime":275.968,"endTime":276.778,"body":"What happened?"},{"speaker":"Marcus Maloney","startTime":276.888,"endTime":279.828,"body":"I dropped outta school and I"},{"speaker":"Marcus Maloney","startTime":276.888,"endTime":279.828,"body":"was sitting around the house and"},{"speaker":"Marcus Maloney","startTime":279.828,"endTime":281.698,"body":"my mom, she's an astute person."},{"speaker":"Marcus Maloney","startTime":281.698,"endTime":286.888,"body":"She, had, she was a nurse and my"},{"speaker":"Marcus Maloney","startTime":281.698,"endTime":286.888,"body":"dad was, he was an immigrant from"},{"speaker":"Marcus Maloney","startTime":286.888,"endTime":288.628,"body":"Panama, moved over to the state."},{"speaker":"Marcus Maloney","startTime":288.633,"endTime":292.103,"body":"So I definitely couldn't sit around"},{"speaker":"Marcus Maloney","startTime":288.633,"endTime":292.103,"body":"and do nothing, so it was like,"},{"speaker":"Marcus Maloney","startTime":292.103,"endTime":294.263,"body":"all right, what are you gonna"},{"speaker":"Marcus Maloney","startTime":292.103,"endTime":294.263,"body":"do since you dropped out school?"},{"speaker":"Marcus Maloney","startTime":294.263,"endTime":299.573,"body":"So I was like, you just try"},{"speaker":"Marcus Maloney","startTime":294.263,"endTime":299.573,"body":"and go and guess what I."},{"speaker":"Marcus Maloney","startTime":302.033,"endTime":308.693,"body":"So I went from the back of the class"},{"speaker":"Marcus Maloney","startTime":302.033,"endTime":308.693,"body":"right to the front of the class before"},{"speaker":"Marcus Maloney","startTime":308.703,"endTime":310.773,"body":"my graduating class even graduated."},{"speaker":"Marcus Maloney","startTime":311.073,"endTime":314.133,"body":"So they graduated the end of"},{"speaker":"Marcus Maloney","startTime":311.073,"endTime":314.133,"body":"May, the beginning of May."},{"speaker":"Marcus Maloney","startTime":314.283,"endTime":318.093,"body":"I was already done, had my high school"},{"speaker":"Marcus Maloney","startTime":314.283,"endTime":318.093,"body":"diploma or high school equivalency."},{"speaker":"Marcus Maloney","startTime":318.363,"endTime":322.443,"body":"So I went from the rear to"},{"speaker":"Marcus Maloney","startTime":318.363,"endTime":322.443,"body":"the front instantaneously."},{"speaker":"Marcus Maloney","startTime":322.443,"endTime":324.543,"body":"So that taught me also that you don't."},{"speaker":"Marcus Maloney","startTime":328.968,"endTime":332.358,"body":"So I went, got my GED"},{"speaker":"Marcus Maloney","startTime":328.968,"endTime":332.358,"body":"and then there college."},{"speaker":"Marcus Maloney","startTime":333.333,"endTime":336.813,"body":"I kinda screwed around in the streets"},{"speaker":"Marcus Maloney","startTime":333.333,"endTime":336.813,"body":"because I was always thinking about"},{"speaker":"Marcus Maloney","startTime":336.813,"endTime":341.663,"body":"money, so I would do a lot of odd things,"},{"speaker":"Marcus Maloney","startTime":336.813,"endTime":341.663,"body":"we were selling car stereos, doing"},{"speaker":"Marcus Maloney","startTime":341.668,"endTime":343.343,"body":"all kind of things just to make money."},{"speaker":"Marcus Maloney","startTime":343.763,"endTime":346.283,"body":"And then I finally found"},{"speaker":"Marcus Maloney","startTime":343.763,"endTime":346.283,"body":"out, Hey, you know what?"},{"speaker":"Marcus Maloney","startTime":346.283,"endTime":347.903,"body":"That wasn't gonna get me too far."},{"speaker":"Marcus Maloney","startTime":347.903,"endTime":351.653,"body":"And my brother, he took a different,"},{"speaker":"Marcus Maloney","startTime":347.903,"endTime":351.653,"body":"he took the traditional path."},{"speaker":"Marcus Maloney","startTime":351.653,"endTime":355.753,"body":"He was the person, so my family"},{"speaker":"Marcus Maloney","startTime":351.653,"endTime":355.753,"body":"would always be like you need to go"},{"speaker":"Marcus Maloney","startTime":355.753,"endTime":357.223,"body":"and be more like your brother, Mike."},{"speaker":"Marcus Maloney","startTime":359.338,"endTime":360.028,"body":"Go to school."},{"speaker":"Marcus Maloney","startTime":360.028,"endTime":360.748,"body":"Go to college."},{"speaker":"Marcus Maloney","startTime":360.748,"endTime":363.778,"body":"So I took on that philosophy"},{"speaker":"Marcus Maloney","startTime":360.748,"endTime":363.778,"body":"and I went and did it."},{"speaker":"Marcus Maloney","startTime":363.838,"endTime":364.548,"body":"And yeah."},{"speaker":"Marcus Maloney","startTime":364.548,"endTime":368.108,"body":"And then I got my MBA, and then it"},{"speaker":"Marcus Maloney","startTime":364.548,"endTime":368.108,"body":"was like, okay, I got this degree."},{"speaker":"Marcus Maloney","startTime":368.648,"endTime":369.338,"body":"What's next?"},{"speaker":"Marcus Maloney","startTime":369.768,"endTime":372.848,"body":"And then it was like I just"},{"speaker":"Marcus Maloney","startTime":369.768,"endTime":372.848,"body":"couldn't figure it out."},{"speaker":"Marcus Maloney","startTime":372.848,"endTime":376.718,"body":"But one thing that I learned and how"},{"speaker":"Marcus Maloney","startTime":372.848,"endTime":376.718,"body":"I got into real estate is because"},{"speaker":"Marcus Maloney","startTime":376.778,"endTime":380.599,"body":"when I was in high school, actually."},{"speaker":"Marcus Maloney","startTime":381.154,"endTime":386.944,"body":"He was working for the state as a nurse"},{"speaker":"Marcus Maloney","startTime":381.154,"endTime":386.944,"body":"and she bought two dilapidated houses."},{"speaker":"Marcus Maloney","startTime":387.334,"endTime":391.684,"body":"One was an old raggedy rental and the"},{"speaker":"Marcus Maloney","startTime":387.334,"endTime":391.684,"body":"other one was a fire damaged house."},{"speaker":"Marcus Maloney","startTime":392.224,"endTime":394.774,"body":"So immediately we were"},{"speaker":"Marcus Maloney","startTime":392.224,"endTime":394.774,"body":"like what is she doing?"},{"speaker":"Marcus Maloney","startTime":394.774,"endTime":398.864,"body":"Because my mom was always entrepreneurial"},{"speaker":"Marcus Maloney","startTime":394.774,"endTime":398.864,"body":"what is she doing buying these raggedy"},{"speaker":"Marcus Maloney","startTime":398.864,"endTime":402.504,"body":"houses, me and my brother and my"},{"speaker":"Marcus Maloney","startTime":398.864,"endTime":402.504,"body":"cousin, the only thing we thought"},{"speaker":"Marcus Maloney","startTime":402.504,"endTime":406.514,"body":"was this is more work for us to do."},{"speaker":"Marcus Maloney","startTime":406.514,"endTime":406.614,"body":"Right?"},{"speaker":"Average Joe Finances","startTime":406.614,"endTime":408.919,"body":"Oh, she was"},{"speaker":"Average Joe Finances","startTime":406.614,"endTime":408.919,"body":"putting you guys to work in those homes?"},{"speaker":"Marcus Maloney","startTime":408.924,"endTime":409.969,"body":"Yeah, she was, yeah."},{"speaker":"Marcus Maloney","startTime":409.969,"endTime":410.959,"body":"She was putting us to work."},{"speaker":"Average Joe Finances","startTime":410.959,"endTime":413.749,"body":"First the piglets"},{"speaker":"Average Joe Finances","startTime":410.959,"endTime":413.749,"body":"now it's time to do some home repairs."},{"speaker":"Average Joe Finances","startTime":414.069,"endTime":415.539,"body":"And she's teaching you"},{"speaker":"Average Joe Finances","startTime":414.069,"endTime":415.539,"body":"life lessons though."},{"speaker":"Average Joe Finances","startTime":415.539,"endTime":416.079,"body":"That's great."},{"speaker":"Marcus Maloney","startTime":416.399,"endTime":418.919,"body":"She was teaching us"},{"speaker":"Marcus Maloney","startTime":416.399,"endTime":418.919,"body":"life lessons, and that's exactly what"},{"speaker":"Marcus Maloney","startTime":418.924,"endTime":423.299,"body":"it was, Mike, because what we had to do"},{"speaker":"Marcus Maloney","startTime":418.924,"endTime":423.299,"body":"was we had to work with the contractors"},{"speaker":"Marcus Maloney","startTime":423.719,"endTime":428.219,"body":"and she was doing a rehab on converted."},{"speaker":"Marcus Maloney","startTime":429.479,"endTime":432.719,"body":"That we kept and actually"},{"speaker":"Marcus Maloney","startTime":429.479,"endTime":432.719,"body":"we hold to this day."},{"speaker":"Marcus Maloney","startTime":433.079,"endTime":437.879,"body":"And then the other one, she flipped"},{"speaker":"Marcus Maloney","startTime":433.079,"endTime":437.879,"body":"it and then she came and showed"},{"speaker":"Marcus Maloney","startTime":437.884,"endTime":440.279,"body":"me and my brothers and my cousins,"},{"speaker":"Marcus Maloney","startTime":437.884,"endTime":440.279,"body":"she was like, this is how much"},{"speaker":"Marcus Maloney","startTime":440.279,"endTime":442.589,"body":"I made on this one transaction."},{"speaker":"Marcus Maloney","startTime":442.889,"endTime":445.349,"body":"And it was like 30, 40,000,"},{"speaker":"Marcus Maloney","startTime":442.889,"endTime":445.349,"body":"something like that."},{"speaker":"Marcus Maloney","startTime":445.349,"endTime":451.589,"body":"And this was in like 19 88, 89 or"},{"speaker":"Marcus Maloney","startTime":445.349,"endTime":451.589,"body":"whatever this is before flipping."},{"speaker":"Marcus Maloney","startTime":451.589,"endTime":454.199,"body":"And HDTV was even a thing that."},{"speaker":"Average Joe Finances","startTime":454.199,"endTime":455.399,"body":"That's"},{"speaker":"Average Joe Finances","startTime":454.199,"endTime":455.399,"body":"a lot of money back then."},{"speaker":"Marcus Maloney","startTime":456.164,"endTime":458.204,"body":"Yeah,"},{"speaker":"Marcus Maloney","startTime":456.164,"endTime":458.204,"body":"definitely a lot of money."},{"speaker":"Marcus Maloney","startTime":458.424,"endTime":462.194,"body":"And then that struck, that bugging"},{"speaker":"Marcus Maloney","startTime":458.424,"endTime":462.194,"body":"me with real estate, right?"},{"speaker":"Marcus Maloney","startTime":462.194,"endTime":466.164,"body":"Because I was like, if she can do"},{"speaker":"Marcus Maloney","startTime":462.194,"endTime":466.164,"body":"this, and she did it in a few months."},{"speaker":"Marcus Maloney","startTime":466.164,"endTime":467.514,"body":"I was like, wow, you know what?"},{"speaker":"Marcus Maloney","startTime":467.814,"endTime":469.134,"body":"I like to get my hands dirty."},{"speaker":"Marcus Maloney","startTime":469.139,"endTime":470.544,"body":"I like to do things like that."},{"speaker":"Marcus Maloney","startTime":470.754,"endTime":472.914,"body":"And then I saw the profit potential in it."},{"speaker":"Marcus Maloney","startTime":473.184,"endTime":475.644,"body":"So I was sold and I was"},{"speaker":"Marcus Maloney","startTime":473.184,"endTime":475.644,"body":"hooked after that, Mike."},{"speaker":"Marcus Maloney","startTime":477.489,"endTime":482.209,"body":"So she definitely instilled in me"},{"speaker":"Marcus Maloney","startTime":477.489,"endTime":482.209,"body":"and my brother, entrepreneurialship."},{"speaker":"Marcus Maloney","startTime":482.449,"endTime":486.049,"body":"So from there she quit her"},{"speaker":"Marcus Maloney","startTime":482.449,"endTime":486.049,"body":"job, walked off her job."},{"speaker":"Marcus Maloney","startTime":486.079,"endTime":489.719,"body":"She had a dream to do like"},{"speaker":"Marcus Maloney","startTime":486.079,"endTime":489.719,"body":"residential group homes and"},{"speaker":"Marcus Maloney","startTime":489.724,"endTime":491.189,"body":"everything like that with kids."},{"speaker":"Marcus Maloney","startTime":491.459,"endTime":491.759,"body":"Okay."},{"speaker":"Marcus Maloney","startTime":491.849,"endTime":493.979,"body":"We were awarded a contract"},{"speaker":"Marcus Maloney","startTime":491.849,"endTime":493.979,"body":"through the state."},{"speaker":"Marcus Maloney","startTime":493.979,"endTime":497.565,"body":"So now that's what around the state"},{"speaker":"Marcus Maloney","startTime":493.979,"endTime":497.565,"body":"of Illinois, just south of Chicago."},{"speaker":"Marcus Maloney","startTime":497.815,"endTime":500.905,"body":"And then I do some fix and"},{"speaker":"Marcus Maloney","startTime":497.815,"endTime":500.905,"body":"flips and do some wholesale and"},{"speaker":"Marcus Maloney","startTime":501.145,"endTime":502.795,"body":"have a rental portfolio also."},{"speaker":"Marcus Maloney","startTime":502.845,"endTime":506.985,"body":"We're deep rooted in real estate, but"},{"speaker":"Marcus Maloney","startTime":502.845,"endTime":506.985,"body":"then we have the social consciousness"},{"speaker":"Marcus Maloney","startTime":506.985,"endTime":512.155,"body":"aspect of it also, because we help with,"},{"speaker":"Marcus Maloney","startTime":506.985,"endTime":512.155,"body":"disadvantaged youth from the inner city."},{"speaker":"Marcus Maloney","startTime":512.345,"endTime":514.025,"body":"That's in our residential group homes."},{"speaker":"Average Joe Finances","startTime":514.415,"endTime":514.625,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":514.625,"endTime":514.775,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":514.775,"endTime":516.995,"body":"So actually I wanted to"},{"speaker":"Average Joe Finances","startTime":514.775,"endTime":516.995,"body":"ask you about that too."},{"speaker":"Average Joe Finances","startTime":517.045,"endTime":522.115,"body":"Going from what you learned as a"},{"speaker":"Average Joe Finances","startTime":517.045,"endTime":522.115,"body":"kid when your mom, showed you those"},{"speaker":"Average Joe Finances","startTime":522.115,"endTime":526.375,"body":"two properties to where you're at"},{"speaker":"Average Joe Finances","startTime":522.115,"endTime":526.375,"body":"now, what made you decide to go that"},{"speaker":"Average Joe Finances","startTime":526.375,"endTime":530.865,"body":"route to, to start purchasing the"},{"speaker":"Average Joe Finances","startTime":526.375,"endTime":530.865,"body":"residential like group homes like that?"},{"speaker":"Average Joe Finances","startTime":531.235,"endTime":536.03,"body":"Versus the traditional, buy and"},{"speaker":"Average Joe Finances","startTime":531.235,"endTime":536.03,"body":"hold, rental real estate kinda like"},{"speaker":"Average Joe Finances","startTime":536.03,"endTime":537.62,"body":"what you learned at a younger age."},{"speaker":"Average Joe Finances","startTime":537.62,"endTime":538.97,"body":"What made you decide to go that route?"},{"speaker":"Marcus Maloney","startTime":539.76,"endTime":540.15,"body":"You know what?"},{"speaker":"Marcus Maloney","startTime":540.16,"endTime":542.62,"body":"I'm a third generation"},{"speaker":"Marcus Maloney","startTime":540.16,"endTime":542.62,"body":"entrepreneurial, right?"},{"speaker":"Marcus Maloney","startTime":542.98,"endTime":546.7,"body":"So my, so we have a whole"},{"speaker":"Marcus Maloney","startTime":542.98,"endTime":546.7,"body":"social service agency."},{"speaker":"Marcus Maloney","startTime":546.97,"endTime":551.81,"body":"My grandmother started it with, she"},{"speaker":"Marcus Maloney","startTime":546.97,"endTime":551.81,"body":"didn't even have a high school degree."},{"speaker":"Marcus Maloney","startTime":552.17,"endTime":556.43,"body":"No, she didn't even graduate eighth"},{"speaker":"Marcus Maloney","startTime":552.17,"endTime":556.43,"body":"grade, but she just had a love for kids."},{"speaker":"Marcus Maloney","startTime":556.88,"endTime":560.99,"body":"And my grandfather, same thing,"},{"speaker":"Marcus Maloney","startTime":556.88,"endTime":560.99,"body":"was a little league baseball coach."},{"speaker":"Marcus Maloney","startTime":560.99,"endTime":562.98,"body":"And he, what he noticed, he."},{"speaker":"Marcus Maloney","startTime":563.82,"endTime":569.82,"body":"Have the practices with the kids and"},{"speaker":"Marcus Maloney","startTime":563.82,"endTime":569.82,"body":"moms and dad practices trickling down."},{"speaker":"Marcus Maloney","startTime":573.15,"endTime":576.75,"body":"Him going around picking up all of the"},{"speaker":"Marcus Maloney","startTime":573.15,"endTime":576.75,"body":"kids, and he noticed that the inner"},{"speaker":"Marcus Maloney","startTime":576.75,"endTime":580.56,"body":"cities were turning more and more violent,"},{"speaker":"Marcus Maloney","startTime":576.75,"endTime":580.56,"body":"more and more aggressive, and they were"},{"speaker":"Marcus Maloney","startTime":580.56,"endTime":584.71,"body":"like, we want to take some of these"},{"speaker":"Marcus Maloney","startTime":580.56,"endTime":584.71,"body":"kids from the inner city to the country"},{"speaker":"Marcus Maloney","startTime":584.98,"endTime":586.45,"body":"and show 'em a different way of living."},{"speaker":"Marcus Maloney","startTime":586.72,"endTime":591.385,"body":"So they started back then"},{"speaker":"Marcus Maloney","startTime":586.72,"endTime":591.385,"body":"in the seventies, like 1978."},{"speaker":"Marcus Maloney","startTime":591.955,"endTime":596.415,"body":"And again, with my grandmother not"},{"speaker":"Marcus Maloney","startTime":591.955,"endTime":596.415,"body":"having an eighth grade diploma, my"},{"speaker":"Marcus Maloney","startTime":596.415,"endTime":598.965,"body":"grandfather barely graduated high school."},{"speaker":"Marcus Maloney","startTime":599.065,"endTime":602.785,"body":"They didn't know the ins and outs"},{"speaker":"Marcus Maloney","startTime":599.065,"endTime":602.785,"body":"and how to navigate contracts with"},{"speaker":"Marcus Maloney","startTime":603.055,"endTime":604.495,"body":"the states and things like that."},{"speaker":"Marcus Maloney","startTime":604.5,"endTime":609.595,"body":"And that's when my mom stepped in and"},{"speaker":"Marcus Maloney","startTime":604.5,"endTime":609.595,"body":"she helped and she took it to one stage."},{"speaker":"Marcus Maloney","startTime":609.835,"endTime":613.925,"body":"And now me and my brother, we have"},{"speaker":"Marcus Maloney","startTime":609.835,"endTime":613.925,"body":"just grown it exponentially now"},{"speaker":"Marcus Maloney","startTime":613.925,"endTime":615.38,"body":"and we're just help more kids."},{"speaker":"Marcus Maloney","startTime":615.411,"endTime":617.961,"body":"Mike, everything that I"},{"speaker":"Marcus Maloney","startTime":615.411,"endTime":617.961,"body":"do is nontraditional man."},{"speaker":"Marcus Maloney","startTime":617.991,"endTime":620.791,"body":"And that's why, people"},{"speaker":"Marcus Maloney","startTime":617.991,"endTime":620.791,"body":"ask me what are you doing?"},{"speaker":"Marcus Maloney","startTime":620.791,"endTime":624.541,"body":"I'm like, okay, now which"},{"speaker":"Marcus Maloney","startTime":620.791,"endTime":624.541,"body":"route do you to go down?"},{"speaker":"Marcus Maloney","startTime":624.541,"endTime":627.391,"body":"Do you want down"},{"speaker":"Marcus Maloney","startTime":624.541,"endTime":627.391,"body":"individual investment path?"},{"speaker":"Marcus Maloney","startTime":628.021,"endTime":630.391,"body":"You want down my family's investment path?"},{"speaker":"Marcus Maloney","startTime":630.611,"endTime":630.761,"body":"So it's."},{"speaker":"Marcus Maloney","startTime":632.321,"endTime":633.551,"body":"We have a lot going on."},{"speaker":"Average Joe Finances","startTime":633.821,"endTime":634.481,"body":"No, that's great."},{"speaker":"Average Joe Finances","startTime":634.481,"endTime":634.781,"body":"Marcus."},{"speaker":"Average Joe Finances","startTime":634.781,"endTime":638.181,"body":"So actually let's rewind"},{"speaker":"Average Joe Finances","startTime":634.781,"endTime":638.181,"body":"back to the beginning."},{"speaker":"Average Joe Finances","startTime":638.181,"endTime":641.496,"body":"So what was your first deal"},{"speaker":"Average Joe Finances","startTime":638.181,"endTime":641.496,"body":"that, your first real estate"},{"speaker":"Average Joe Finances","startTime":641.496,"endTime":642.546,"body":"deal that you did yourself?"},{"speaker":"Marcus Maloney","startTime":644.286,"endTime":647.961,"body":"My first deal"},{"speaker":"Marcus Maloney","startTime":644.286,"endTime":647.961,"body":"Mike, I was wholesaling, right?"},{"speaker":"Marcus Maloney","startTime":648.051,"endTime":654.906,"body":"We had moved from Illinois to arizona"},{"speaker":"Marcus Maloney","startTime":648.051,"endTime":654.906,"body":"and I was promised a job because"},{"speaker":"Marcus Maloney","startTime":654.906,"endTime":657.696,"body":"I was like, okay, the family is"},{"speaker":"Marcus Maloney","startTime":654.906,"endTime":657.696,"body":"stable, everything is going good."},{"speaker":"Marcus Maloney","startTime":658.086,"endTime":660.726,"body":"I want to get out of the cold"},{"speaker":"Marcus Maloney","startTime":658.086,"endTime":660.726,"body":"and I wanna move to Arizona."},{"speaker":"Marcus Maloney","startTime":660.726,"endTime":663.076,"body":"But at the same time, I"},{"speaker":"Marcus Maloney","startTime":660.726,"endTime":663.076,"body":"wanted something to do."},{"speaker":"Marcus Maloney","startTime":663.106,"endTime":667.126,"body":"So I went and I was going to get"},{"speaker":"Marcus Maloney","startTime":663.106,"endTime":667.126,"body":"a job and that job was rescinded."},{"speaker":"Marcus Maloney","startTime":667.456,"endTime":670.696,"body":"So the first thing that I knew was,"},{"speaker":"Marcus Maloney","startTime":667.456,"endTime":670.696,"body":"hit the ground running, get in the"},{"speaker":"Marcus Maloney","startTime":670.696,"endTime":672.406,"body":"streets, try and find out, how."},{"speaker":"Marcus Maloney","startTime":676.666,"endTime":680.296,"body":"One of the things that I did was"},{"speaker":"Marcus Maloney","startTime":676.666,"endTime":680.296,"body":"driving home Sunday from church."},{"speaker":"Marcus Maloney","startTime":680.301,"endTime":684.886,"body":"I was going to a open house, and"},{"speaker":"Marcus Maloney","startTime":680.301,"endTime":684.886,"body":"it was a realtor sitting in an open"},{"speaker":"Marcus Maloney","startTime":684.891,"endTime":686.536,"body":"house, and I said, Hey, you know what?"},{"speaker":"Marcus Maloney","startTime":686.536,"endTime":689.951,"body":"If you know anybody that got any"},{"speaker":"Marcus Maloney","startTime":686.536,"endTime":689.951,"body":"off market properties or any pocket"},{"speaker":"Marcus Maloney","startTime":689.956,"endTime":691.751,"body":"listings that you have, you know what?"},{"speaker":"Marcus Maloney","startTime":692.051,"endTime":692.891,"body":"I'm cash."},{"speaker":"Marcus Maloney","startTime":692.951,"endTime":695.581,"body":"I'm ready to close"},{"speaker":"Marcus Maloney","startTime":692.951,"endTime":695.581,"body":"quickly, just let me know."},{"speaker":"Marcus Maloney","startTime":698.021,"endTime":701.231,"body":"It was like the next day or two days"},{"speaker":"Marcus Maloney","startTime":698.021,"endTime":701.231,"body":"later, he gave me a call and he was"},{"speaker":"Marcus Maloney","startTime":701.231,"endTime":705.231,"body":"like, Hey, you know what, I have this"},{"speaker":"Marcus Maloney","startTime":701.231,"endTime":705.231,"body":"lady she's going through a divorce,"},{"speaker":"Marcus Maloney","startTime":705.231,"endTime":707.691,"body":"husband left, she was a stay at home mom."},{"speaker":"Marcus Maloney","startTime":707.691,"endTime":708.981,"body":"She can't afford the mortgage."},{"speaker":"Marcus Maloney","startTime":709.311,"endTime":712.051,"body":"Five kids, give us an"},{"speaker":"Marcus Maloney","startTime":709.311,"endTime":712.051,"body":"offer on the property."},{"speaker":"Marcus Maloney","startTime":712.351,"endTime":716.986,"body":"And I was working with another"},{"speaker":"Marcus Maloney","startTime":712.351,"endTime":716.986,"body":"investor at the time who was my mentor."},{"speaker":"Marcus Maloney","startTime":717.436,"endTime":722.406,"body":"And we got that property under contract,"},{"speaker":"Marcus Maloney","startTime":717.436,"endTime":722.406,"body":"wholesale deal and it just lets me know"},{"speaker":"Marcus Maloney","startTime":722.586,"endTime":724.236,"body":"that, hey, you know what it was possible."},{"speaker":"Marcus Maloney","startTime":724.686,"endTime":725.306,"body":"And that was my first."},{"speaker":"Average Joe Finances","startTime":725.606,"endTime":727.206,"body":"It"},{"speaker":"Average Joe Finances","startTime":725.606,"endTime":727.206,"body":"showed you that was doable."},{"speaker":"Marcus Maloney","startTime":728.226,"endTime":728.946,"body":"Absolutely."},{"speaker":"Marcus Maloney","startTime":729.036,"endTime":729.636,"body":"Absolutely."},{"speaker":"Marcus Maloney","startTime":729.726,"endTime":733.996,"body":"And then from there, I just"},{"speaker":"Marcus Maloney","startTime":729.726,"endTime":733.996,"body":"continued to turn that money into"},{"speaker":"Marcus Maloney","startTime":733.996,"endTime":738.056,"body":"more money and I had the money"},{"speaker":"Marcus Maloney","startTime":733.996,"endTime":738.056,"body":"coming in from my from the rentals."},{"speaker":"Marcus Maloney","startTime":738.296,"endTime":739.916,"body":"So I just kept doing that."},{"speaker":"Average Joe Finances","startTime":741.176,"endTime":741.446,"body":"Nice."},{"speaker":"Average Joe Finances","startTime":741.446,"endTime":745.316,"body":"So do you still do wholesaling"},{"speaker":"Average Joe Finances","startTime":741.446,"endTime":745.316,"body":"now or have you tran transitioned"},{"speaker":"Average Joe Finances","startTime":745.316,"endTime":746.266,"body":"and shifted into something else?"},{"speaker":"Marcus Maloney","startTime":747.371,"endTime":750.521,"body":"You know what I still"},{"speaker":"Marcus Maloney","startTime":747.371,"endTime":750.521,"body":"do wholesaling not as much as I used to."},{"speaker":"Marcus Maloney","startTime":750.521,"endTime":752.831,"body":"That used to be like the bread and butter."},{"speaker":"Marcus Maloney","startTime":752.831,"endTime":753.821,"body":"We would Sure."},{"speaker":"Marcus Maloney","startTime":754.011,"endTime":757.881,"body":"I would wholesale and then cherry pick,"},{"speaker":"Marcus Maloney","startTime":754.011,"endTime":757.881,"body":"pick the ones that I wanted to do for"},{"speaker":"Marcus Maloney","startTime":757.881,"endTime":762.291,"body":"fix and flip, or you pick the ones that"},{"speaker":"Marcus Maloney","startTime":757.881,"endTime":762.291,"body":"I wanna hold in my rental portfolio."},{"speaker":"Marcus Maloney","startTime":762.631,"endTime":764.781,"body":"But now I still I like to transaction."},{"speaker":"Marcus Maloney","startTime":764.781,"endTime":767.731,"body":"I like the hustle and the mu"},{"speaker":"Marcus Maloney","startTime":764.781,"endTime":767.731,"body":"and the bustle of wholesaling."},{"speaker":"Marcus Maloney","startTime":767.731,"endTime":769.101,"body":"So yes, I still do deals."},{"speaker":"Average Joe Finances","startTime":770.106,"endTime":770.376,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":770.376,"endTime":770.766,"body":"Right on."},{"speaker":"Average Joe Finances","startTime":770.766,"endTime":774.566,"body":"But you're still, so you're doing"},{"speaker":"Average Joe Finances","startTime":770.766,"endTime":774.566,"body":"that and you're still focusing"},{"speaker":"Average Joe Finances","startTime":774.566,"endTime":778.136,"body":"now on the residential group homes"},{"speaker":"Average Joe Finances","startTime":774.566,"endTime":778.136,"body":"that you're working on right now?"},{"speaker":"Marcus Maloney","startTime":778.226,"endTime":778.466,"body":"Yes."},{"speaker":"Average Joe Finances","startTime":778.546,"endTime":780.676,"body":"Do you do"},{"speaker":"Average Joe Finances","startTime":778.546,"endTime":780.676,"body":"the wholesaling to build capital"},{"speaker":"Average Joe Finances","startTime":780.676,"endTime":782.086,"body":"to purchase these other assets?"},{"speaker":"Average Joe Finances","startTime":782.086,"endTime":783.496,"body":"Is that why you still do the wholesaling?"},{"speaker":"Marcus Maloney","startTime":784.396,"endTime":788.116,"body":"Yeah, and we do the"},{"speaker":"Marcus Maloney","startTime":784.396,"endTime":788.116,"body":"wholesaling because, not really just"},{"speaker":"Marcus Maloney","startTime":788.116,"endTime":793.366,"body":"wholesale, but it's to find all market"},{"speaker":"Marcus Maloney","startTime":788.116,"endTime":793.366,"body":"deals, so versus going through the"},{"speaker":"Marcus Maloney","startTime":793.366,"endTime":797.566,"body":"MLS, we still do the marketing and"},{"speaker":"Marcus Maloney","startTime":793.366,"endTime":797.566,"body":"everything like that to find deals."},{"speaker":"Marcus Maloney","startTime":797.956,"endTime":802.126,"body":"And really, we're not doing it to"},{"speaker":"Marcus Maloney","startTime":797.956,"endTime":802.126,"body":"wholesale, we doing it to find more"},{"speaker":"Marcus Maloney","startTime":802.576,"endTime":806.656,"body":"properties to put in our portfolio,"},{"speaker":"Marcus Maloney","startTime":802.576,"endTime":806.656,"body":"but if it don't meet within our buy"},{"speaker":"Marcus Maloney","startTime":806.656,"endTime":810.616,"body":"box, within our criteria, we say, okay,"},{"speaker":"Marcus Maloney","startTime":806.656,"endTime":810.616,"body":"then we can wholesale this deal out."},{"speaker":"Average Joe Finances","startTime":811.976,"endTime":813.046,"body":"Okay, gotcha."},{"speaker":"Average Joe Finances","startTime":813.046,"endTime":816.836,"body":"So when it comes, so you're not doing"},{"speaker":"Average Joe Finances","startTime":813.046,"endTime":816.836,"body":"that then in, in Arizona, you're"},{"speaker":"Average Joe Finances","startTime":816.836,"endTime":818.611,"body":"still doing that back in, in Illinois."},{"speaker":"Marcus Maloney","startTime":818.661,"endTime":819.801,"body":"Both actually I'm doing"},{"speaker":"Average Joe Finances","startTime":819.801,"endTime":820.041,"body":"Oh, okay."},{"speaker":"Marcus Maloney","startTime":820.181,"endTime":820.841,"body":"I'm doing yep."},{"speaker":"Marcus Maloney","startTime":820.841,"endTime":821.621,"body":"Deals both."},{"speaker":"Marcus Maloney","startTime":821.651,"endTime":827.261,"body":"So I do virtual fix and flips and"},{"speaker":"Marcus Maloney","startTime":821.651,"endTime":827.261,"body":"virtual wholesale back in Illinois."},{"speaker":"Marcus Maloney","startTime":827.266,"endTime":830.861,"body":"And then I do fix and flips and"},{"speaker":"Marcus Maloney","startTime":827.266,"endTime":830.861,"body":"wholesales in Arizona as well."},{"speaker":"Average Joe Finances","startTime":831.281,"endTime":831.581,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":831.581,"endTime":831.941,"body":"Right on."},{"speaker":"Average Joe Finances","startTime":831.941,"endTime":835.381,"body":"So if you're not pulling that data"},{"speaker":"Average Joe Finances","startTime":831.941,"endTime":835.381,"body":"off the MLS and you're focused on"},{"speaker":"Average Joe Finances","startTime":835.381,"endTime":839.171,"body":"like these off market deals what"},{"speaker":"Average Joe Finances","startTime":835.381,"endTime":839.171,"body":"are you doing to get that data?"},{"speaker":"Average Joe Finances","startTime":839.171,"endTime":841.681,"body":"Do you do like skip tracing"},{"speaker":"Average Joe Finances","startTime":839.171,"endTime":841.681,"body":"or how are you getting that?"},{"speaker":"Marcus Maloney","startTime":842.596,"endTime":849.266,"body":"Yeah, so we use pop"},{"speaker":"Marcus Maloney","startTime":842.596,"endTime":849.266,"body":"stream and I have a 7 day free trial you"},{"speaker":"Marcus Maloney","startTime":849.286,"endTime":852.811,"body":"could do something as, let's just say"},{"speaker":"Marcus Maloney","startTime":849.286,"endTime":852.811,"body":"if you're doing San Antonio, you could"},{"speaker":"Marcus Maloney","startTime":852.811,"endTime":855.031,"body":"put, pick a zip code in San Antonio."},{"speaker":"Marcus Maloney","startTime":855.331,"endTime":856.471,"body":"Put in the criteria."},{"speaker":"Marcus Maloney","startTime":856.471,"endTime":860.041,"body":"Let's just say if you're looking"},{"speaker":"Marcus Maloney","startTime":856.471,"endTime":860.041,"body":"for absentee owners, these are"},{"speaker":"Marcus Maloney","startTime":860.041,"endTime":863.251,"body":"landlords that may be tired or"},{"speaker":"Marcus Maloney","startTime":860.041,"endTime":863.251,"body":"have a lien or something like that."},{"speaker":"Marcus Maloney","startTime":863.581,"endTime":865.741,"body":"And then it just spit"},{"speaker":"Marcus Maloney","startTime":863.581,"endTime":865.741,"body":"out all of those owners."},{"speaker":"Marcus Maloney","startTime":865.771,"endTime":870.021,"body":"And we always like to put in, a 50"},{"speaker":"Marcus Maloney","startTime":865.771,"endTime":870.021,"body":"to 60 percent equity commission cause"},{"speaker":"Marcus Maloney","startTime":870.021,"endTime":873.491,"body":"were looking for deals, and then it'll"},{"speaker":"Marcus Maloney","startTime":870.021,"endTime":873.491,"body":"give us, the addresses and the names,"},{"speaker":"Marcus Maloney","startTime":873.491,"endTime":877.331,"body":"and then we skip Trace to get the"},{"speaker":"Marcus Maloney","startTime":873.491,"endTime":877.331,"body":"telephone numbers, and then we call, or"},{"speaker":"Marcus Maloney","startTime":877.331,"endTime":880.391,"body":"we'll send them direct mail pieces to"},{"speaker":"Marcus Maloney","startTime":877.331,"endTime":880.391,"body":"see if they're interested in selling."},{"speaker":"Average Joe Finances","startTime":881.621,"endTime":881.861,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":881.861,"endTime":883.871,"body":"So you do, you do targeted direct mail."},{"speaker":"Average Joe Finances","startTime":883.871,"endTime":886.901,"body":"It's not just like a blanket"},{"speaker":"Average Joe Finances","startTime":883.871,"endTime":886.901,"body":"to like certain neighborhoods."},{"speaker":"Average Joe Finances","startTime":886.901,"endTime":890.531,"body":"It's like somebody, the, if the"},{"speaker":"Average Joe Finances","startTime":886.901,"endTime":890.531,"body":"home meets that criteria, they're"},{"speaker":"Average Joe Finances","startTime":890.531,"endTime":891.551,"body":"getting a letter from Marcus."},{"speaker":"Marcus Maloney","startTime":892.676,"endTime":895.741,"body":"Yeah, so we, we have a"},{"speaker":"Marcus Maloney","startTime":892.676,"endTime":895.741,"body":"avatar, we have a seller avatar okay."},{"speaker":"Marcus Maloney","startTime":895.911,"endTime":900.441,"body":"We look specifically for that avatar and"},{"speaker":"Marcus Maloney","startTime":895.911,"endTime":900.441,"body":"those locations that we wanna buy in."},{"speaker":"Average Joe Finances","startTime":901.341,"endTime":901.611,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":901.611,"endTime":902.061,"body":"Right on."},{"speaker":"Average Joe Finances","startTime":902.066,"endTime":906.696,"body":"What, you do it in that order, but like"},{"speaker":"Average Joe Finances","startTime":902.066,"endTime":906.696,"body":"what kind of marketing techniques have you"},{"speaker":"Average Joe Finances","startTime":906.726,"endTime":912.526,"body":"found work best for you when it comes to"},{"speaker":"Average Joe Finances","startTime":906.726,"endTime":912.526,"body":"finding these deals that you wholesale?"},{"speaker":"Marcus Maloney","startTime":913.246,"endTime":915.686,"body":"Okay"},{"speaker":"Marcus Maloney","startTime":913.246,"endTime":915.686,"body":"I've done text messaging."},{"speaker":"Marcus Maloney","startTime":915.686,"endTime":918.236,"body":"I've done cold calling,"},{"speaker":"Marcus Maloney","startTime":915.686,"endTime":918.236,"body":"I've done direct mail."},{"speaker":"Marcus Maloney","startTime":918.576,"endTime":919.476,"body":"I've done PC."},{"speaker":"Marcus Maloney","startTime":919.476,"endTime":924.486,"body":"One of the things that I still find to be"},{"speaker":"Marcus Maloney","startTime":919.476,"endTime":924.486,"body":"the most lucrative is the cold calling."},{"speaker":"Marcus Maloney","startTime":924.606,"endTime":926.136,"body":"It's a lot of external work."},{"speaker":"Marcus Maloney","startTime":927.291,"endTime":928.431,"body":"But at the same time."},{"speaker":"Average Joe Finances","startTime":928.431,"endTime":929.211,"body":"Hate cold calling."},{"speaker":"Marcus Maloney","startTime":930.291,"endTime":934.041,"body":"I know a lot of people"},{"speaker":"Marcus Maloney","startTime":930.291,"endTime":934.041,"body":"hate it, it's a lot of external work,"},{"speaker":"Marcus Maloney","startTime":934.046,"endTime":935.391,"body":"but I've built a team around it."},{"speaker":"Marcus Maloney","startTime":935.391,"endTime":938.806,"body":"We have a team of callers that do"},{"speaker":"Marcus Maloney","startTime":935.391,"endTime":938.806,"body":"all of the initial dials for us."},{"speaker":"Marcus Maloney","startTime":939.086,"endTime":942.056,"body":"And that it's just been"},{"speaker":"Marcus Maloney","startTime":939.086,"endTime":942.056,"body":"the most lucrative for us."},{"speaker":"Marcus Maloney","startTime":942.086,"endTime":943.616,"body":"Yes, it's a lot of grit."},{"speaker":"Marcus Maloney","startTime":943.676,"endTime":947.191,"body":"It's a lot of work, but we"},{"speaker":"Marcus Maloney","startTime":943.676,"endTime":947.191,"body":"still get deals from it, Mike."},{"speaker":"Marcus Maloney","startTime":947.251,"endTime":947.461,"body":"Nice."},{"speaker":"Marcus Maloney","startTime":947.771,"endTime":951.361,"body":"But one of the things important."},{"speaker":"Marcus Maloney","startTime":952.561,"endTime":953.461,"body":"It's the follow up."},{"speaker":"Marcus Maloney","startTime":953.581,"endTime":958.291,"body":"You can make that initial call and"},{"speaker":"Marcus Maloney","startTime":953.581,"endTime":958.291,"body":"that seller may not say, I'm ready"},{"speaker":"Marcus Maloney","startTime":958.291,"endTime":962.281,"body":"to sell right now, but as my partner"},{"speaker":"Marcus Maloney","startTime":958.291,"endTime":962.281,"body":"say, it's an event-based business."},{"speaker":"Marcus Maloney","startTime":962.731,"endTime":964.351,"body":"You gotta wait till that event happen."},{"speaker":"Marcus Maloney","startTime":964.351,"endTime":967.931,"body":"That event may happen, six months"},{"speaker":"Marcus Maloney","startTime":964.351,"endTime":967.931,"body":"from now, nine months from now,"},{"speaker":"Marcus Maloney","startTime":967.931,"endTime":969.611,"body":"maybe even two years from now."},{"speaker":"Marcus Maloney","startTime":969.911,"endTime":974.351,"body":"But you want to still have your team"},{"speaker":"Marcus Maloney","startTime":969.911,"endTime":974.351,"body":"calling and following up with that person."},{"speaker":"Marcus Maloney","startTime":974.981,"endTime":978.691,"body":"That way when that event happens,"},{"speaker":"Marcus Maloney","startTime":974.981,"endTime":978.691,"body":"you're the first person you tap it on."},{"speaker":"Average Joe Finances","startTime":979.367,"endTime":979.477,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":979.497,"endTime":982.857,"body":"No, that that's fantastic because,"},{"speaker":"Average Joe Finances","startTime":979.497,"endTime":982.857,"body":"I've heard this before too, like"},{"speaker":"Average Joe Finances","startTime":982.857,"endTime":984.927,"body":"a buddy of mine was telling me not"},{"speaker":"Average Joe Finances","startTime":982.857,"endTime":984.927,"body":"to get discouraged because I was"},{"speaker":"Average Joe Finances","startTime":984.927,"endTime":986.632,"body":"doing like some mailers and stuff."},{"speaker":"Average Joe Finances","startTime":986.632,"endTime":988.012,"body":"I'm also a real estate agent, right?"},{"speaker":"Average Joe Finances","startTime":988.012,"endTime":989.567,"body":"So I was doing it for that purpose."},{"speaker":"Average Joe Finances","startTime":989.567,"endTime":990.737,"body":"Like in certain neighborhoods."},{"speaker":"Average Joe Finances","startTime":990.737,"endTime":994.881,"body":"I was sending out these mailers and he's"},{"speaker":"Average Joe Finances","startTime":990.737,"endTime":994.881,"body":"you might not get anything at first."},{"speaker":"Average Joe Finances","startTime":994.881,"endTime":995.991,"body":"He's but you never know."},{"speaker":"Average Joe Finances","startTime":996.991,"endTime":1000.591,"body":"Somebody might be getting ready to sell"},{"speaker":"Average Joe Finances","startTime":996.991,"endTime":1000.591,"body":"their home and then remember that they got"},{"speaker":"Average Joe Finances","startTime":1000.591,"endTime":1004.069,"body":"this letter from you, and they're gonna"},{"speaker":"Average Joe Finances","startTime":1000.591,"endTime":1004.069,"body":"go search for it and give you a call."},{"speaker":"Average Joe Finances","startTime":1004.099,"endTime":1006.409,"body":"They're gonna remember your name and"},{"speaker":"Average Joe Finances","startTime":1004.099,"endTime":1006.409,"body":"go look you up and give you a call."},{"speaker":"Average Joe Finances","startTime":1006.749,"endTime":1010.179,"body":"Yeah definitely there has to be"},{"speaker":"Average Joe Finances","startTime":1006.749,"endTime":1010.179,"body":"something that will trigger that."},{"speaker":"Average Joe Finances","startTime":1010.629,"endTime":1014.569,"body":"If they remember you if you did something"},{"speaker":"Average Joe Finances","startTime":1010.629,"endTime":1014.569,"body":"creative to get them to remember you, then"},{"speaker":"Average Joe Finances","startTime":1014.569,"endTime":1016.059,"body":"that's that's something different as well."},{"speaker":"Average Joe Finances","startTime":1016.149,"endTime":1017.289,"body":"And actually, I wanted to ask you that."},{"speaker":"Average Joe Finances","startTime":1017.289,"endTime":1019.839,"body":"Do you do anything creative,"},{"speaker":"Average Joe Finances","startTime":1017.289,"endTime":1019.839,"body":"like in your mailers?"},{"speaker":"Average Joe Finances","startTime":1020.119,"endTime":1022.849,"body":"I've heard of some people, they'll send"},{"speaker":"Average Joe Finances","startTime":1020.119,"endTime":1022.849,"body":"like a manila envelope and they'll put"},{"speaker":"Average Joe Finances","startTime":1022.849,"endTime":1026.864,"body":"like some money in there, like some"},{"speaker":"Average Joe Finances","startTime":1022.849,"endTime":1026.864,"body":"change like coins because people feel that"},{"speaker":"Average Joe Finances","startTime":1026.864,"endTime":1028.064,"body":"and be like, oh, this feels different."},{"speaker":"Average Joe Finances","startTime":1028.069,"endTime":1028.609,"body":"What's in here?"},{"speaker":"Average Joe Finances","startTime":1028.609,"endTime":1030.049,"body":"Oh, change, yeah."},{"speaker":"Average Joe Finances","startTime":1030.054,"endTime":1031.009,"body":"And they're like, oh."},{"speaker":"Average Joe Finances","startTime":1031.009,"endTime":1033.359,"body":"And they'll actually read the"},{"speaker":"Average Joe Finances","startTime":1031.009,"endTime":1033.359,"body":"letter, because it was something that"},{"speaker":"Average Joe Finances","startTime":1033.359,"endTime":1036.659,"body":"prompted them to open the envelope"},{"speaker":"Average Joe Finances","startTime":1033.359,"endTime":1036.659,"body":"and not just throw it away like"},{"speaker":"Average Joe Finances","startTime":1036.664,"endTime":1038.164,"body":"other mailers that they may get."},{"speaker":"Average Joe Finances","startTime":1038.444,"endTime":1039.459,"body":"Do you do anything like that?"},{"speaker":"Marcus Maloney","startTime":1039.459,"endTime":1041.149,"body":"Yeah, I"},{"speaker":"Marcus Maloney","startTime":1039.459,"endTime":1041.149,"body":"forgot the name of that."},{"speaker":"Marcus Maloney","startTime":1041.149,"endTime":1045.059,"body":"I can't, I don't know why I'm drawing"},{"speaker":"Marcus Maloney","startTime":1041.149,"endTime":1045.059,"body":"a blank, but yeah, so my direct"},{"speaker":"Marcus Maloney","startTime":1045.059,"endTime":1049.699,"body":"mail guy local based in Phoenix,"},{"speaker":"Marcus Maloney","startTime":1045.059,"endTime":1049.699,"body":"and that's all he talks about."},{"speaker":"Marcus Maloney","startTime":1049.704,"endTime":1053.034,"body":"He comes up with all of these"},{"speaker":"Marcus Maloney","startTime":1049.704,"endTime":1053.034,"body":"creative strategies, to get people"},{"speaker":"Marcus Maloney","startTime":1053.364,"endTime":1054.614,"body":"to open up your letter, right?"},{"speaker":"Marcus Maloney","startTime":1054.614,"endTime":1061.514,"body":"Because we have people that's gonna send"},{"speaker":"Marcus Maloney","startTime":1054.614,"endTime":1061.514,"body":"postcards people gonna send letters, I"},{"speaker":"Marcus Maloney","startTime":1061.514,"endTime":1065.159,"body":"am a letter guy because I think, it's"},{"speaker":"Marcus Maloney","startTime":1061.514,"endTime":1065.159,"body":"more professional, especially when you're"},{"speaker":"Marcus Maloney","startTime":1065.159,"endTime":1070.349,"body":"trying to do certain things and yeah, so"},{"speaker":"Marcus Maloney","startTime":1065.159,"endTime":1070.349,"body":"on our envelope, we have different things."},{"speaker":"Marcus Maloney","startTime":1070.349,"endTime":1071.099,"body":"We may say."},{"speaker":"Marcus Maloney","startTime":1071.369,"endTime":1075.929,"body":"If it's around property tax time,"},{"speaker":"Marcus Maloney","startTime":1071.369,"endTime":1075.929,"body":"we'll put in red, important property"},{"speaker":"Marcus Maloney","startTime":1075.929,"endTime":1080.339,"body":"tax information, real big, bold"},{"speaker":"Marcus Maloney","startTime":1075.929,"endTime":1080.339,"body":"block letters on the envelope."},{"speaker":"Marcus Maloney","startTime":1080.399,"endTime":1081.779,"body":"That'll make people open it up."},{"speaker":"Marcus Maloney","startTime":1082.079,"endTime":1082.409,"body":"Yes."},{"speaker":"Marcus Maloney","startTime":1082.409,"endTime":1085.509,"body":"Once they open it up and they read the"},{"speaker":"Marcus Maloney","startTime":1082.409,"endTime":1085.509,"body":"letter, they'll call back and catch you"},{"speaker":"Marcus Maloney","startTime":1085.509,"endTime":1089.339,"body":"out but you'll get some people that will"},{"speaker":"Marcus Maloney","startTime":1085.509,"endTime":1089.339,"body":"say, you know what, Hey, you know what?"},{"speaker":"Marcus Maloney","startTime":1089.339,"endTime":1091.049,"body":"I am interested in selling."},{"speaker":"Marcus Maloney","startTime":1091.379,"endTime":1092.639,"body":"Let's have a conversation."},{"speaker":"Marcus Maloney","startTime":1092.649,"endTime":1094.389,"body":"Yeah, you have to play with the envelope."},{"speaker":"Marcus Maloney","startTime":1094.389,"endTime":1099.064,"body":"We went from doing white envelopes"},{"speaker":"Marcus Maloney","startTime":1094.389,"endTime":1099.064,"body":"with black and red letters to pink"},{"speaker":"Marcus Maloney","startTime":1099.064,"endTime":1103.714,"body":"envelopes with blue letters, blue"},{"speaker":"Marcus Maloney","startTime":1099.064,"endTime":1103.714,"body":"envelopes with pink lettering on it."},{"speaker":"Marcus Maloney","startTime":1104.014,"endTime":1107.419,"body":"So you have to ab test, you have"},{"speaker":"Marcus Maloney","startTime":1104.014,"endTime":1107.419,"body":"to test different strategies"},{"speaker":"Marcus Maloney","startTime":1107.419,"endTime":1108.354,"body":"and different methods."},{"speaker":"Marcus Maloney","startTime":1108.354,"endTime":1110.694,"body":"But yeah, direct mail works, man."},{"speaker":"Marcus Maloney","startTime":1110.694,"endTime":1111.924,"body":"That's how I got started."},{"speaker":"Marcus Maloney","startTime":1112.164,"endTime":1115.444,"body":"We still do direct mail as"},{"speaker":"Marcus Maloney","startTime":1112.164,"endTime":1115.444,"body":"follow ups and it works."},{"speaker":"Average Joe Finances","startTime":1117.064,"endTime":1117.484,"body":"Right on."},{"speaker":"Average Joe Finances","startTime":1117.484,"endTime":1118.854,"body":"Yeah I just wanted to ask you about that."},{"speaker":"Average Joe Finances","startTime":1118.854,"endTime":1121.984,"body":"'cause, I, I hear people that do"},{"speaker":"Average Joe Finances","startTime":1118.854,"endTime":1121.984,"body":"all sorts of different things and"},{"speaker":"Average Joe Finances","startTime":1121.989,"endTime":1126.219,"body":"creative ways to get leads and, doing"},{"speaker":"Average Joe Finances","startTime":1121.989,"endTime":1126.219,"body":"the wholesaling piece, I know like"},{"speaker":"Average Joe Finances","startTime":1126.249,"endTime":1127.809,"body":"your focus is finding off market."},{"speaker":"Average Joe Finances","startTime":1127.809,"endTime":1130.629,"body":"Like you're not gonna find many, if any."},{"speaker":"Average Joe Finances","startTime":1131.244,"endTime":1134.464,"body":"On the m l s right, when it comes"},{"speaker":"Average Joe Finances","startTime":1131.244,"endTime":1134.464,"body":"to that 'cause you're looking more"},{"speaker":"Average Joe Finances","startTime":1134.464,"endTime":1136.084,"body":"to solve someone's problem, right?"},{"speaker":"Average Joe Finances","startTime":1136.084,"endTime":1140.144,"body":"Somebody that's in a situation and"},{"speaker":"Average Joe Finances","startTime":1136.084,"endTime":1140.144,"body":"your job is really being a problem"},{"speaker":"Average Joe Finances","startTime":1140.144,"endTime":1142.504,"body":"solver, not so much being a wholesaler."},{"speaker":"Average Joe Finances","startTime":1142.504,"endTime":1144.179,"body":"That's the way I look at good wholesalers."},{"speaker":"Average Joe Finances","startTime":1144.179,"endTime":1145.349,"body":"You're problem solvers."},{"speaker":"Marcus Maloney","startTime":1146.009,"endTime":1147.574,"body":"And you hit the"},{"speaker":"Marcus Maloney","startTime":1146.009,"endTime":1147.574,"body":"nail right on the head, Mike."},{"speaker":"Marcus Maloney","startTime":1147.634,"endTime":1150.604,"body":"That's what we look for, we"},{"speaker":"Marcus Maloney","startTime":1147.634,"endTime":1150.604,"body":"are not looking for properties."},{"speaker":"Marcus Maloney","startTime":1150.619,"endTime":1151.819,"body":"We're not looking for people."},{"speaker":"Marcus Maloney","startTime":1151.819,"endTime":1153.079,"body":"We're looking for problems."},{"speaker":"Marcus Maloney","startTime":1153.439,"endTime":1156.829,"body":"And the people that can solve the"},{"speaker":"Marcus Maloney","startTime":1153.439,"endTime":1156.829,"body":"hardest problems, make the most money."},{"speaker":"Marcus Maloney","startTime":1157.099,"endTime":1158.299,"body":"And that's really in life."},{"speaker":"Marcus Maloney","startTime":1158.609,"endTime":1161.519,"body":"If you can solve problems,"},{"speaker":"Marcus Maloney","startTime":1158.609,"endTime":1161.519,"body":"people are gonna pay you top"},{"speaker":"Marcus Maloney","startTime":1161.524,"endTime":1163.259,"body":"dollar to solve their problem."},{"speaker":"Marcus Maloney","startTime":1163.259,"endTime":1166.504,"body":"And that's what we look for, in real"},{"speaker":"Marcus Maloney","startTime":1163.259,"endTime":1166.504,"body":"estate when we're doing off market"},{"speaker":"Marcus Maloney","startTime":1166.504,"endTime":1168.784,"body":"deals, is we're looking for the problems."},{"speaker":"Marcus Maloney","startTime":1168.784,"endTime":1172.754,"body":"One of the things, my attorney that we"},{"speaker":"Marcus Maloney","startTime":1168.784,"endTime":1172.754,"body":"do deals in Illinois, he always say, he"},{"speaker":"Marcus Maloney","startTime":1172.754,"endTime":1177.494,"body":"say, Marcus, if the deal is not difficult,"},{"speaker":"Marcus Maloney","startTime":1172.754,"endTime":1177.494,"body":"somebody would've already done it."},{"speaker":"Marcus Maloney","startTime":1178.199,"endTime":1182.989,"body":"So let's work on this difficult deal,"},{"speaker":"Marcus Maloney","startTime":1178.199,"endTime":1182.989,"body":"make some money, help the seller, and"},{"speaker":"Marcus Maloney","startTime":1182.989,"endTime":1184.579,"body":"then we can move on to the next one."},{"speaker":"Average Joe Finances","startTime":1185.339,"endTime":1185.729,"body":"Nice."},{"speaker":"Average Joe Finances","startTime":1185.769,"endTime":1186.569,"body":"Yeah, no that's good."},{"speaker":"Average Joe Finances","startTime":1186.569,"endTime":1189.689,"body":"You're finding the problem solving"},{"speaker":"Average Joe Finances","startTime":1186.569,"endTime":1189.689,"body":"them and you're making it better"},{"speaker":"Average Joe Finances","startTime":1189.689,"endTime":1190.799,"body":"for everybody that's involved."},{"speaker":"Average Joe Finances","startTime":1190.849,"endTime":1193.349,"body":"One for the seller that's"},{"speaker":"Average Joe Finances","startTime":1190.849,"endTime":1193.349,"body":"in that situation they're"},{"speaker":"Average Joe Finances","startTime":1193.349,"endTime":1194.909,"body":"getting out of a bad situation."},{"speaker":"Average Joe Finances","startTime":1194.909,"endTime":1197.329,"body":"Two for you, and your family, right?"},{"speaker":"Average Joe Finances","startTime":1197.349,"endTime":1200.839,"body":"Because now you're able to make a profit"},{"speaker":"Average Joe Finances","startTime":1197.349,"endTime":1200.839,"body":"off of this, and then three, you're"},{"speaker":"Average Joe Finances","startTime":1200.899,"endTime":1205.069,"body":"able to turn this over to another real"},{"speaker":"Average Joe Finances","startTime":1200.899,"endTime":1205.069,"body":"estate investor or somebody that actually"},{"speaker":"Average Joe Finances","startTime":1205.069,"endTime":1207.049,"body":"could use the home at an afford price."},{"speaker":"Average Joe Finances","startTime":1207.049,"endTime":1207.769,"body":"That's definitely awesome."},{"speaker":"Average Joe Finances","startTime":1207.769,"endTime":1212.259,"body":"Now, I wanted to ask you too because you"},{"speaker":"Average Joe Finances","startTime":1207.769,"endTime":1212.259,"body":"had mentioned that you have a team, so"},{"speaker":"Average Joe Finances","startTime":1212.309,"endTime":1216.479,"body":"the team that you use, obviously, they're"},{"speaker":"Average Joe Finances","startTime":1212.309,"endTime":1216.479,"body":"making phone calls, they're doing mailers."},{"speaker":"Average Joe Finances","startTime":1216.959,"endTime":1220.679,"body":"How much onsite stuff do"},{"speaker":"Average Joe Finances","startTime":1216.959,"endTime":1220.679,"body":"you actually have to do?"},{"speaker":"Average Joe Finances","startTime":1220.684,"endTime":1222.689,"body":"Or is it pretty much all virtual for you?"},{"speaker":"Marcus Maloney","startTime":1223.809,"endTime":1226.719,"body":"The majority of it's"},{"speaker":"Marcus Maloney","startTime":1223.809,"endTime":1226.719,"body":"virtual, but what I have to do is"},{"speaker":"Marcus Maloney","startTime":1226.719,"endTime":1229.539,"body":"a lot of training and monitoring."},{"speaker":"Marcus Maloney","startTime":1230.064,"endTime":1231.864,"body":"So I have to monitor the team."},{"speaker":"Marcus Maloney","startTime":1231.864,"endTime":1235.824,"body":"I have to make sure that they're hitting"},{"speaker":"Marcus Maloney","startTime":1231.864,"endTime":1235.824,"body":"their key performance indicators."},{"speaker":"Marcus Maloney","startTime":1235.874,"endTime":1239.114,"body":"How many dials are you doing"},{"speaker":"Marcus Maloney","startTime":1235.874,"endTime":1239.114,"body":"per day outta those dials?"},{"speaker":"Marcus Maloney","startTime":1239.534,"endTime":1241.364,"body":"How many contacts are you making?"},{"speaker":"Marcus Maloney","startTime":1241.604,"endTime":1246.374,"body":"So I'm really into the metrics,"},{"speaker":"Marcus Maloney","startTime":1241.604,"endTime":1246.374,"body":"digging deep into that information."},{"speaker":"Marcus Maloney","startTime":1246.404,"endTime":1247.809,"body":"I do get on the phone."},{"speaker":"Marcus Maloney","startTime":1248.229,"endTime":1251.575,"body":"When, let's just say if my acquisition"},{"speaker":"Marcus Maloney","startTime":1248.229,"endTime":1251.575,"body":"manager gives me a call and I get"},{"speaker":"Marcus Maloney","startTime":1251.575,"endTime":1253.235,"body":"a rise outta that, let me listen."},{"speaker":"Marcus Maloney","startTime":1253.235,"endTime":1256.505,"body":"Let put my active listening"},{"speaker":"Marcus Maloney","startTime":1253.235,"endTime":1256.505,"body":"ears so I can hear the problem."},{"speaker":"Marcus Maloney","startTime":1256.505,"endTime":1259.985,"body":"And then that way, me and him, we"},{"speaker":"Marcus Maloney","startTime":1256.505,"endTime":1259.985,"body":"can figure out how we can solve"},{"speaker":"Marcus Maloney","startTime":1259.985,"endTime":1261.905,"body":"this problem with the seller."},{"speaker":"Marcus Maloney","startTime":1262.235,"endTime":1264.875,"body":"And that's what a lot of people"},{"speaker":"Marcus Maloney","startTime":1262.235,"endTime":1264.875,"body":"miss, is they think that they need"},{"speaker":"Marcus Maloney","startTime":1264.88,"endTime":1267.125,"body":"to solve the problem for the seller."},{"speaker":"Marcus Maloney","startTime":1267.125,"endTime":1271.205,"body":"No, you wanna solve the problem with"},{"speaker":"Marcus Maloney","startTime":1267.125,"endTime":1271.205,"body":"the seller because once you do that,"},{"speaker":"Marcus Maloney","startTime":1271.235,"endTime":1272.105,"body":"then they're gonna say, you know what?"},{"speaker":"Marcus Maloney","startTime":1274.475,"endTime":1276.305,"body":"Was definitely well worth it."},{"speaker":"Marcus Maloney","startTime":1276.365,"endTime":1280.055,"body":"I know I didn't get top dollar, but"},{"speaker":"Marcus Maloney","startTime":1276.365,"endTime":1280.055,"body":"we worked together and we solved this"},{"speaker":"Marcus Maloney","startTime":1280.055,"endTime":1282.335,"body":"problem and it's a sigh relief for them."},{"speaker":"Marcus Maloney","startTime":1282.34,"endTime":1282.67,"body":"Yes."},{"speaker":"Marcus Maloney","startTime":1282.91,"endTime":1284.77,"body":"So I still get on the phone, Mike."},{"speaker":"Marcus Maloney","startTime":1285.03,"endTime":1289.15,"body":"I still, make sure I monitor the"},{"speaker":"Marcus Maloney","startTime":1285.03,"endTime":1289.15,"body":"team and see what they're doing."},{"speaker":"Marcus Maloney","startTime":1289.15,"endTime":1290.23,"body":"So I'm in the trench."},{"speaker":"Average Joe Finances","startTime":1292.1,"endTime":1293.44,"body":"I definitely"},{"speaker":"Average Joe Finances","startTime":1292.1,"endTime":1293.44,"body":"appreciate that, Marcus."},{"speaker":"Average Joe Finances","startTime":1293.44,"endTime":1297.7,"body":"Now I want to get away from the"},{"speaker":"Average Joe Finances","startTime":1293.44,"endTime":1297.7,"body":"wholesaling piece right now and talk"},{"speaker":"Average Joe Finances","startTime":1297.7,"endTime":1300.86,"body":"a little bit about the the residential"},{"speaker":"Average Joe Finances","startTime":1297.7,"endTime":1300.86,"body":"group homes that you've okay."},{"speaker":"Average Joe Finances","startTime":1300.86,"endTime":1301.61,"body":"That you've invested in."},{"speaker":"Average Joe Finances","startTime":1301.66,"endTime":1305.085,"body":"So because obviously what it sounds"},{"speaker":"Average Joe Finances","startTime":1301.66,"endTime":1305.085,"body":"like to me, Marcus, is, you're all about"},{"speaker":"Average Joe Finances","startTime":1305.09,"endTime":1309.525,"body":"solving problems and helping people, and,"},{"speaker":"Average Joe Finances","startTime":1305.09,"endTime":1309.525,"body":"What you're doing up in Illinois, the"},{"speaker":"Average Joe Finances","startTime":1309.525,"endTime":1314.525,"body":"way you described it earlier is that,"},{"speaker":"Average Joe Finances","startTime":1309.525,"endTime":1314.525,"body":"you're able to provide affordable housing"},{"speaker":"Average Joe Finances","startTime":1314.525,"endTime":1316.785,"body":"for troubled youth and things like that."},{"speaker":"Average Joe Finances","startTime":1316.785,"endTime":1320.345,"body":"So can you talk a little bit more"},{"speaker":"Average Joe Finances","startTime":1316.785,"endTime":1320.345,"body":"about that, about, when you first"},{"speaker":"Average Joe Finances","startTime":1320.35,"endTime":1324.285,"body":"started investing in properties"},{"speaker":"Average Joe Finances","startTime":1320.35,"endTime":1324.285,"body":"like that to where you're at today?"},{"speaker":"Marcus Maloney","startTime":1325.145,"endTime":1325.745,"body":"Sure, Sure."},{"speaker":"Marcus Maloney","startTime":1326.01,"endTime":1329.245,"body":"So actually, Mike, you know what, again,"},{"speaker":"Marcus Maloney","startTime":1326.01,"endTime":1329.245,"body":"it wasn't it didn't start with me, it"},{"speaker":"Marcus Maloney","startTime":1329.245,"endTime":1332.255,"body":"started with my grandmother back in 1978."},{"speaker":"Marcus Maloney","startTime":1332.255,"endTime":1333.725,"body":"She just opened up her doors."},{"speaker":"Marcus Maloney","startTime":1334.055,"endTime":1337.805,"body":"I say I have tons of family members"},{"speaker":"Marcus Maloney","startTime":1334.055,"endTime":1337.805,"body":"because I would come home from school or"},{"speaker":"Marcus Maloney","startTime":1337.805,"endTime":1341.255,"body":"something like that, and I wouldn't know"},{"speaker":"Marcus Maloney","startTime":1337.805,"endTime":1341.255,"body":"who was sitting in the living room or"},{"speaker":"Marcus Maloney","startTime":1341.285,"endTime":1343.025,"body":"who was sitting in the kitchen, right?"},{"speaker":"Marcus Maloney","startTime":1343.025,"endTime":1345.275,"body":"Because She was just so friendly, so open."},{"speaker":"Marcus Maloney","startTime":1346.145,"endTime":1347.375,"body":"She loved to help people."},{"speaker":"Marcus Maloney","startTime":1347.505,"endTime":1351.21,"body":"She was the servant after"},{"speaker":"Marcus Maloney","startTime":1347.505,"endTime":1351.21,"body":"God's own heart, honestly."},{"speaker":"Marcus Maloney","startTime":1351.56,"endTime":1355.85,"body":"So from there again, my"},{"speaker":"Marcus Maloney","startTime":1351.56,"endTime":1355.85,"body":"mom, she opened up the door."},{"speaker":"Marcus Maloney","startTime":1355.85,"endTime":1360.47,"body":"She started working with kids and then"},{"speaker":"Marcus Maloney","startTime":1355.85,"endTime":1360.47,"body":"because of what we were doing, we were"},{"speaker":"Marcus Maloney","startTime":1360.47,"endTime":1364.975,"body":"working with a lot of the kids from"},{"speaker":"Marcus Maloney","startTime":1360.47,"endTime":1364.975,"body":"like the juvenile detention centers."},{"speaker":"Marcus Maloney","startTime":1364.975,"endTime":1370.585,"body":"So they had an option, Hey, you either"},{"speaker":"Marcus Maloney","startTime":1364.975,"endTime":1370.585,"body":"go to the detention center or you"},{"speaker":"Marcus Maloney","startTime":1370.585,"endTime":1376.115,"body":"go out to this 49 acre farm in the"},{"speaker":"Marcus Maloney","startTime":1370.585,"endTime":1376.115,"body":"middle of nowhere, get rehabilitated"},{"speaker":"Marcus Maloney","startTime":1376.115,"endTime":1380.145,"body":"and then you go back out, be a"},{"speaker":"Marcus Maloney","startTime":1376.115,"endTime":1380.145,"body":"young man and live, an astute life."},{"speaker":"Marcus Maloney","startTime":1380.385,"endTime":1385.705,"body":"Now, these kids wasn't criminals or"},{"speaker":"Marcus Maloney","startTime":1380.385,"endTime":1385.705,"body":"anything like that may have had to"},{"speaker":"Marcus Maloney","startTime":1385.705,"endTime":1387.605,"body":"much any issues not gonna school."},{"speaker":"Marcus Maloney","startTime":1387.625,"endTime":1391.355,"body":"They may, stole a bike or stole"},{"speaker":"Marcus Maloney","startTime":1387.625,"endTime":1391.355,"body":"a car, something like that."},{"speaker":"Marcus Maloney","startTime":1391.355,"endTime":1395.075,"body":"But it wasn't anything, class X"},{"speaker":"Marcus Maloney","startTime":1391.355,"endTime":1395.075,"body":"felonies or anything like that."},{"speaker":"Marcus Maloney","startTime":1395.175,"endTime":1399.915,"body":"So by doing that, we had the 49 acre"},{"speaker":"Marcus Maloney","startTime":1395.175,"endTime":1399.915,"body":"farm, we had the farmhouse, and we"},{"speaker":"Marcus Maloney","startTime":1399.915,"endTime":1403.095,"body":"just opened the doors to the farmhouse"},{"speaker":"Marcus Maloney","startTime":1399.915,"endTime":1403.095,"body":"and we were helping these kids."},{"speaker":"Marcus Maloney","startTime":1403.345,"endTime":1405.955,"body":"The state of Illinois, they"},{"speaker":"Marcus Maloney","startTime":1403.345,"endTime":1405.955,"body":"noticed what we were doing."},{"speaker":"Marcus Maloney","startTime":1406.795,"endTime":1410.485,"body":"Because we was being referred by third"},{"speaker":"Marcus Maloney","startTime":1406.795,"endTime":1410.485,"body":"party individuals, they noticed what we"},{"speaker":"Marcus Maloney","startTime":1410.485,"endTime":1415.975,"body":"were doing and then we would take the"},{"speaker":"Marcus Maloney","startTime":1410.485,"endTime":1415.975,"body":"kids that came to us back up before the"},{"speaker":"Marcus Maloney","startTime":1415.98,"endTime":1419.395,"body":"judge and the judge was like, man, you"},{"speaker":"Marcus Maloney","startTime":1415.98,"endTime":1419.395,"body":"guys are working miracles with these kids."},{"speaker":"Marcus Maloney","startTime":1419.395,"endTime":1420.445,"body":"Whatcha doing?"},{"speaker":"Marcus Maloney","startTime":1420.895,"endTime":1423.475,"body":"And it was basically just"},{"speaker":"Marcus Maloney","startTime":1420.895,"endTime":1423.475,"body":"making sure they had a regimen."},{"speaker":"Marcus Maloney","startTime":1423.845,"endTime":1426.995,"body":"My, they had a certain time to"},{"speaker":"Marcus Maloney","startTime":1423.845,"endTime":1426.995,"body":"get up, they had chores to do."},{"speaker":"Marcus Maloney","startTime":1426.995,"endTime":1429.875,"body":"We just introduced them"},{"speaker":"Marcus Maloney","startTime":1426.995,"endTime":1429.875,"body":"to the farm life, right?"},{"speaker":"Marcus Maloney","startTime":1429.875,"endTime":1433.895,"body":"It's five o'clock in the morning,"},{"speaker":"Marcus Maloney","startTime":1429.875,"endTime":1433.895,"body":"you're up, you're out feeding the pigs,"},{"speaker":"Marcus Maloney","startTime":1433.895,"endTime":1438.89,"body":"doing whatever, and then in the evening"},{"speaker":"Marcus Maloney","startTime":1433.895,"endTime":1438.89,"body":"you're going to bed and that's it."},{"speaker":"Marcus Maloney","startTime":1439.0,"endTime":1442.45,"body":"So we would take these kids back up"},{"speaker":"Marcus Maloney","startTime":1439.0,"endTime":1442.45,"body":"before the judge, and the judge was"},{"speaker":"Marcus Maloney","startTime":1442.45,"endTime":1444.79,"body":"like, man, you guys are doing miracles."},{"speaker":"Marcus Maloney","startTime":1444.795,"endTime":1446.92,"body":"Because he started sending us some of the."},{"speaker":"Marcus Maloney","startTime":1447.25,"endTime":1452.52,"body":"Rough of the rough kids, and because"},{"speaker":"Marcus Maloney","startTime":1447.25,"endTime":1452.52,"body":"of that, he had a relationship with the"},{"speaker":"Marcus Maloney","startTime":1452.52,"endTime":1455.55,"body":"Department of Children and Family Services"},{"speaker":"Marcus Maloney","startTime":1452.52,"endTime":1455.55,"body":"and they were like, Hey, you know what?"},{"speaker":"Marcus Maloney","startTime":1455.55,"endTime":1459.0,"body":"You guys really need to look and see"},{"speaker":"Marcus Maloney","startTime":1455.55,"endTime":1459.0,"body":"what these people are doing out here."},{"speaker":"Marcus Maloney","startTime":1459.36,"endTime":1461.55,"body":"And from that they awarded us."},{"speaker":"Marcus Maloney","startTime":1461.79,"endTime":1466.7,"body":"Think at the time it was like $1.2 million"},{"speaker":"Marcus Maloney","startTime":1461.79,"endTime":1466.7,"body":"contract to start opening up the bed."},{"speaker":"Marcus Maloney","startTime":1467.24,"endTime":1467.84,"body":"For kids."},{"speaker":"Marcus Maloney","startTime":1467.865,"endTime":1471.245,"body":"And then we had that one, one"},{"speaker":"Marcus Maloney","startTime":1467.865,"endTime":1471.245,"body":"house and then we started buying"},{"speaker":"Marcus Maloney","startTime":1471.245,"endTime":1473.195,"body":"more houses and more houses."},{"speaker":"Marcus Maloney","startTime":1473.505,"endTime":1474.825,"body":"But it's a team effort."},{"speaker":"Marcus Maloney","startTime":1475.095,"endTime":1475.395,"body":"Mike."},{"speaker":"Marcus Maloney","startTime":1475.425,"endTime":1477.045,"body":"We have counselors."},{"speaker":"Average Joe Finances","startTime":1477.045,"endTime":1477.375,"body":"That's amazing."},{"speaker":"Marcus Maloney","startTime":1477.375,"endTime":1479.685,"body":"We have,"},{"speaker":"Marcus Maloney","startTime":1477.375,"endTime":1479.685,"body":"yeah, we have staff."},{"speaker":"Marcus Maloney","startTime":1479.69,"endTime":1480.855,"body":"We have clinicians."},{"speaker":"Marcus Maloney","startTime":1481.155,"endTime":1485.09,"body":"So it's not just, a residential group"},{"speaker":"Marcus Maloney","startTime":1481.155,"endTime":1485.09,"body":"home, but it, like I said, it's a whole"},{"speaker":"Marcus Maloney","startTime":1485.09,"endTime":1490.01,"body":"social service agency to make sure, we"},{"speaker":"Marcus Maloney","startTime":1485.09,"endTime":1490.01,"body":"take a holistic approach with these kids."},{"speaker":"Average Joe Finances","startTime":1490.52,"endTime":1491.12,"body":"I like that."},{"speaker":"Average Joe Finances","startTime":1491.12,"endTime":1494.42,"body":"I like that because, I love being able"},{"speaker":"Average Joe Finances","startTime":1491.12,"endTime":1494.42,"body":"to share stories about real estate"},{"speaker":"Average Joe Finances","startTime":1494.42,"endTime":1497.69,"body":"investors that are doing good for society."},{"speaker":"Average Joe Finances","startTime":1497.69,"endTime":1499.04,"body":"Not just, yeah, okay."},{"speaker":"Average Joe Finances","startTime":1499.045,"endTime":1501.65,"body":"You can invest in real estate and"},{"speaker":"Average Joe Finances","startTime":1499.045,"endTime":1501.65,"body":"make a profit for yourself and"},{"speaker":"Average Joe Finances","startTime":1501.65,"endTime":1503.06,"body":"become financially independent."},{"speaker":"Average Joe Finances","startTime":1503.555,"endTime":1504.995,"body":"How are you helping other people?"},{"speaker":"Average Joe Finances","startTime":1505.215,"endTime":1505.275,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1505.275,"endTime":1509.125,"body":"How are you giving back,"},{"speaker":"Average Joe Finances","startTime":1505.275,"endTime":1509.125,"body":"and I do this podcast as one"},{"speaker":"Average Joe Finances","startTime":1509.125,"endTime":1510.865,"body":"method of giving back, right?"},{"speaker":"Average Joe Finances","startTime":1511.135,"endTime":1513.475,"body":"But there are so many people"},{"speaker":"Average Joe Finances","startTime":1511.135,"endTime":1513.475,"body":"out there doing so many more"},{"speaker":"Average Joe Finances","startTime":1513.475,"endTime":1514.645,"body":"amazing things than that."},{"speaker":"Average Joe Finances","startTime":1514.835,"endTime":1515.825,"body":"What you're doing, Marcus."},{"speaker":"Average Joe Finances","startTime":1515.825,"endTime":1516.725,"body":"And that's fantastic."},{"speaker":"Average Joe Finances","startTime":1516.725,"endTime":1517.725,"body":"And, and even."},{"speaker":"Average Joe Finances","startTime":1518.07,"endTime":1522.095,"body":"Going back to when your grandmother"},{"speaker":"Average Joe Finances","startTime":1518.07,"endTime":1522.095,"body":"started it to now keeping this alive"},{"speaker":"Average Joe Finances","startTime":1522.095,"endTime":1526.415,"body":"and going it it's just amazing because"},{"speaker":"Average Joe Finances","startTime":1522.095,"endTime":1526.415,"body":"you're actively changing lives."},{"speaker":"Average Joe Finances","startTime":1526.415,"endTime":1530.435,"body":"It's not just about, Hey, oh we can"},{"speaker":"Average Joe Finances","startTime":1526.415,"endTime":1530.435,"body":"make money by doing A, B, C, or D No,"},{"speaker":"Average Joe Finances","startTime":1530.435,"endTime":1533.825,"body":"you're act you're actively changing"},{"speaker":"Average Joe Finances","startTime":1530.435,"endTime":1533.825,"body":"lives for the better and giving,"},{"speaker":"Average Joe Finances","startTime":1533.875,"endTime":1537.205,"body":"kids a second chance that they may"},{"speaker":"Average Joe Finances","startTime":1533.875,"endTime":1537.205,"body":"not have had if they did not have"},{"speaker":"Average Joe Finances","startTime":1537.205,"endTime":1538.555,"body":"something like this available to them."},{"speaker":"Average Joe Finances","startTime":1538.555,"endTime":1540.385,"body":"I definitely commend you"},{"speaker":"Average Joe Finances","startTime":1538.555,"endTime":1540.385,"body":"and your family on that."},{"speaker":"Average Joe Finances","startTime":1540.385,"endTime":1542.155,"body":"That's That's really amazing."},{"speaker":"Average Joe Finances","startTime":1542.365,"endTime":1542.545,"body":"Thank you."},{"speaker":"Average Joe Finances","startTime":1542.545,"endTime":1543.175,"body":"And awesome."},{"speaker":"Average Joe Finances","startTime":1543.325,"endTime":1544.225,"body":"So thank you."},{"speaker":"Average Joe Finances","startTime":1544.225,"endTime":1545.755,"body":"I just wanted to point that"},{"speaker":"Average Joe Finances","startTime":1544.225,"endTime":1545.755,"body":"out there, man, because I"},{"speaker":"Average Joe Finances","startTime":1545.76,"endTime":1546.865,"body":"love sharing stuff like this."},{"speaker":"Average Joe Finances","startTime":1546.865,"endTime":1548.545,"body":"It's there's some other"},{"speaker":"Average Joe Finances","startTime":1546.865,"endTime":1548.545,"body":"real estate investors."},{"speaker":"Average Joe Finances","startTime":1548.545,"endTime":1552.875,"body":"I know that they coined the term, ROI,"},{"speaker":"Average Joe Finances","startTime":1548.545,"endTime":1552.875,"body":"but it wasn't return on investment."},{"speaker":"Average Joe Finances","startTime":1553.235,"endTime":1555.865,"body":"It was return on what was it?"},{"speaker":"Average Joe Finances","startTime":1555.865,"endTime":1555.867,"body":"And Pat."},{"speaker":"Average Joe Finances","startTime":1556.525,"endTime":1557.155,"body":"Impact."},{"speaker":"Average Joe Finances","startTime":1557.155,"endTime":1557.605,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1557.665,"endTime":1557.955,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1558.005,"endTime":1560.375,"body":"Michael and Susie Barnhart"},{"speaker":"Average Joe Finances","startTime":1558.005,"endTime":1560.375,"body":"they have a podcast where they"},{"speaker":"Average Joe Finances","startTime":1560.375,"endTime":1561.485,"body":"talk about that stuff too."},{"speaker":"Average Joe Finances","startTime":1561.485,"endTime":1564.245,"body":"So that return on impact,"},{"speaker":"Average Joe Finances","startTime":1561.485,"endTime":1564.245,"body":"man, what you guys are doing."},{"speaker":"Average Joe Finances","startTime":1564.25,"endTime":1564.85,"body":"That's huge."},{"speaker":"Average Joe Finances","startTime":1564.9,"endTime":1566.91,"body":"Again, kudos to you guys."},{"speaker":"Marcus Maloney","startTime":1567.39,"endTime":1568.08,"body":"And, you know what, Mike?"},{"speaker":"Average Joe Finances","startTime":1568.15,"endTime":1568.24,"body":"Yeah."},{"speaker":"Marcus Maloney","startTime":1568.24,"endTime":1570.4,"body":"Speaking on that,"},{"speaker":"Marcus Maloney","startTime":1568.24,"endTime":1570.4,"body":"and the reason why I bring, the"},{"speaker":"Marcus Maloney","startTime":1570.4,"endTime":1575.615,"body":"reason why new impact is because our"},{"speaker":"Marcus Maloney","startTime":1570.4,"endTime":1575.615,"body":"philosopy is, you can't, everybody"},{"speaker":"Marcus Maloney","startTime":1575.615,"endTime":1577.535,"body":"wants to be an influencer, right?"},{"speaker":"Marcus Maloney","startTime":1577.595,"endTime":1580.185,"body":"They wanna be an influencer"},{"speaker":"Marcus Maloney","startTime":1577.595,"endTime":1580.185,"body":"unless you make impact."},{"speaker":"Marcus Maloney","startTime":1580.855,"endTime":1585.94,"body":"Once you make impact in somebody's"},{"speaker":"Marcus Maloney","startTime":1580.855,"endTime":1585.94,"body":"lives, now they look at you as, Hey,"},{"speaker":"Marcus Maloney","startTime":1585.94,"endTime":1589.54,"body":"that's somebody that's influential"},{"speaker":"Marcus Maloney","startTime":1585.94,"endTime":1589.54,"body":"in my life because they have"},{"speaker":"Marcus Maloney","startTime":1589.6,"endTime":1592.03,"body":"impacted me in some way or somehow."},{"speaker":"Marcus Maloney","startTime":1592.24,"endTime":1596.23,"body":"So it's not just social media, get on,"},{"speaker":"Marcus Maloney","startTime":1592.24,"endTime":1596.23,"body":"do a bunch of talking, but how are you"},{"speaker":"Marcus Maloney","startTime":1596.29,"endTime":1598.33,"body":"impacting, how are you changing lives?"},{"speaker":"Marcus Maloney","startTime":1598.69,"endTime":1602.36,"body":"And this is one of the things,"},{"speaker":"Marcus Maloney","startTime":1598.69,"endTime":1602.36,"body":"one of the ways my family wanna"},{"speaker":"Marcus Maloney","startTime":1602.36,"endTime":1604.16,"body":"impact as many kids as possible."},{"speaker":"Average Joe Finances","startTime":1605.36,"endTime":1607.91,"body":"I"},{"speaker":"Average Joe Finances","startTime":1605.36,"endTime":1607.91,"body":"absolutely love that, Marcus."},{"speaker":"Average Joe Finances","startTime":1607.91,"endTime":1608.87,"body":"That is fantastic."},{"speaker":"Average Joe Finances","startTime":1608.92,"endTime":1612.395,"body":"That's probably gonna be the clip that"},{"speaker":"Average Joe Finances","startTime":1608.92,"endTime":1612.395,"body":"we use for the audiogram of this episode"},{"speaker":"Average Joe Finances","startTime":1612.4,"endTime":1613.93,"body":"because that it's impactful, right?"},{"speaker":"Average Joe Finances","startTime":1614.2,"endTime":1614.63,"body":"It's yeah."},{"speaker":"Average Joe Finances","startTime":1614.68,"endTime":1619.24,"body":"Yes, everybody wants to be that,"},{"speaker":"Average Joe Finances","startTime":1614.68,"endTime":1619.24,"body":"that popular social media brand or"},{"speaker":"Average Joe Finances","startTime":1619.245,"endTime":1624.07,"body":"whatever it is, but what are you"},{"speaker":"Average Joe Finances","startTime":1619.245,"endTime":1624.07,"body":"actually doing that impacts others?"},{"speaker":"Average Joe Finances","startTime":1624.49,"endTime":1628.09,"body":"Why should somebody want to"},{"speaker":"Average Joe Finances","startTime":1624.49,"endTime":1628.09,"body":"follow you and follow your brand?"},{"speaker":"Average Joe Finances","startTime":1628.6,"endTime":1633.41,"body":"Because just because you're investing"},{"speaker":"Average Joe Finances","startTime":1628.6,"endTime":1633.41,"body":"in real estate that's cool, but"},{"speaker":"Average Joe Finances","startTime":1633.41,"endTime":1634.34,"body":"what are you doing to give back?"},{"speaker":"Average Joe Finances","startTime":1634.62,"endTime":1635.845,"body":"No, I definitely appreciate that."},{"speaker":"Average Joe Finances","startTime":1636.295,"endTime":1637.015,"body":"Alright, Marcus."},{"speaker":"Average Joe Finances","startTime":1637.095,"endTime":1638.55,"body":"So we talked about a lot, right?"},{"speaker":"Average Joe Finances","startTime":1638.555,"endTime":1642.43,"body":"We went from wholesaling to, not"},{"speaker":"Average Joe Finances","startTime":1638.555,"endTime":1642.43,"body":"just the group residential home, but"},{"speaker":"Average Joe Finances","startTime":1642.43,"endTime":1646.46,"body":"like this entire social service that"},{"speaker":"Average Joe Finances","startTime":1642.43,"endTime":1646.46,"body":"your family provides for young kids."},{"speaker":"Average Joe Finances","startTime":1646.85,"endTime":1650.13,"body":"And definitely a lot of"},{"speaker":"Average Joe Finances","startTime":1646.85,"endTime":1650.13,"body":"stuff to unpack unpack here."},{"speaker":"Average Joe Finances","startTime":1650.43,"endTime":1654.09,"body":"And I'm pretty sure that my audience"},{"speaker":"Average Joe Finances","startTime":1650.43,"endTime":1654.09,"body":"is like listening to this and saying,"},{"speaker":"Average Joe Finances","startTime":1654.09,"endTime":1656.07,"body":"wow, this is a lot of value add here."},{"speaker":"Average Joe Finances","startTime":1656.12,"endTime":1659.17,"body":"And they're gonna wanna know more"},{"speaker":"Average Joe Finances","startTime":1656.12,"endTime":1659.17,"body":"about you and stuff, but we're"},{"speaker":"Average Joe Finances","startTime":1659.17,"endTime":1660.22,"body":"gonna get to that in a second."},{"speaker":"Average Joe Finances","startTime":1660.255,"endTime":1663.745,"body":"Because what I wanna do is transition this"},{"speaker":"Average Joe Finances","startTime":1660.255,"endTime":1663.745,"body":"into something I call the final round."},{"speaker":"Average Joe Finances","startTime":1664.435,"endTime":1667.405,"body":"It's what we're gonna ask you, the"},{"speaker":"Average Joe Finances","startTime":1664.435,"endTime":1667.405,"body":"same four questions I ask everybody"},{"speaker":"Average Joe Finances","startTime":1667.405,"endTime":1671.725,"body":"that comes on the show, and it gives"},{"speaker":"Average Joe Finances","startTime":1667.405,"endTime":1671.725,"body":"us a better idea of who Marcus is when"},{"speaker":"Average Joe Finances","startTime":1671.725,"endTime":1674.305,"body":"he is under a little bit of pressure"},{"speaker":"Average Joe Finances","startTime":1671.725,"endTime":1674.305,"body":"and asked some tough questions."},{"speaker":"Average Joe Finances","startTime":1674.305,"endTime":1675.475,"body":"So if you're ready to go, sure."},{"speaker":"Average Joe Finances","startTime":1675.835,"endTime":1676.855,"body":"We'll get this party started."},{"speaker":"Average Joe Finances","startTime":1677.915,"endTime":1678.855,"body":"All right, let's do it, Mike."},{"speaker":"Average Joe Finances","startTime":1678.855,"endTime":1679.885,"body":"Alright, let's do it all."},{"speaker":"Average Joe Finances","startTime":1679.885,"endTime":1680.305,"body":"Marcus."},{"speaker":"Average Joe Finances","startTime":1680.305,"endTime":1684.385,"body":"You've had a lot of experience in,"},{"speaker":"Average Joe Finances","startTime":1680.305,"endTime":1684.385,"body":"in a bunch of different facets of"},{"speaker":"Average Joe Finances","startTime":1684.385,"endTime":1689.08,"body":"real estate and that also involves,"},{"speaker":"Average Joe Finances","startTime":1684.385,"endTime":1689.08,"body":"your finances and other things."},{"speaker":"Average Joe Finances","startTime":1689.13,"endTime":1690.72,"body":"Even going back to the farm life."},{"speaker":"Average Joe Finances","startTime":1691.23,"endTime":1695.64,"body":"So there's a lot you can probably pick"},{"speaker":"Average Joe Finances","startTime":1691.23,"endTime":1695.64,"body":"from here, but I wanna know, what's"},{"speaker":"Average Joe Finances","startTime":1695.64,"endTime":1699.66,"body":"the biggest mistake that you've ever"},{"speaker":"Average Joe Finances","startTime":1695.64,"endTime":1699.66,"body":"made when it comes to your finances?"},{"speaker":"Average Joe Finances","startTime":1699.66,"endTime":1702.84,"body":"Investing real estate or"},{"speaker":"Average Joe Finances","startTime":1699.66,"endTime":1702.84,"body":"just business in general?"},{"speaker":"Marcus Maloney","startTime":1703.905,"endTime":1704.565,"body":"Sure, sure."},{"speaker":"Marcus Maloney","startTime":1704.845,"endTime":1710.095,"body":"I think the biggest mistake that I made,"},{"speaker":"Marcus Maloney","startTime":1704.845,"endTime":1710.095,"body":"Mike, was really not trusting in myself"},{"speaker":"Marcus Maloney","startTime":1710.095,"endTime":1713.905,"body":"and trusting in my investment strategy."},{"speaker":"Marcus Maloney","startTime":1714.145,"endTime":1717.805,"body":"I think my biggest mistake was"},{"speaker":"Marcus Maloney","startTime":1714.145,"endTime":1717.805,"body":"not having the courage to go"},{"speaker":"Marcus Maloney","startTime":1717.81,"endTime":1719.395,"body":"out there and do more deals."},{"speaker":"Marcus Maloney","startTime":1721.035,"endTime":1723.445,"body":"Buy more properties so I"},{"speaker":"Marcus Maloney","startTime":1721.035,"endTime":1723.445,"body":"can then impact more people."},{"speaker":"Marcus Maloney","startTime":1723.815,"endTime":1725.805,"body":"So I'm more of a conservative."},{"speaker":"Marcus Maloney","startTime":1725.805,"endTime":1730.155,"body":"I'm very laid back, very reserved,"},{"speaker":"Marcus Maloney","startTime":1725.805,"endTime":1730.155,"body":"and I wanna look at all of the"},{"speaker":"Marcus Maloney","startTime":1730.155,"endTime":1731.835,"body":"numbers and everything like that."},{"speaker":"Marcus Maloney","startTime":1732.135,"endTime":1738.815,"body":"And I'm trying to I'm shifting my idea"},{"speaker":"Marcus Maloney","startTime":1732.135,"endTime":1738.815,"body":"of my investment strategy somewhat."},{"speaker":"Marcus Maloney","startTime":1739.095,"endTime":1742.795,"body":"And to put a bow on that"},{"speaker":"Marcus Maloney","startTime":1739.095,"endTime":1742.795,"body":"I bought a property."},{"speaker":"Marcus Maloney","startTime":1743.635,"endTime":1745.705,"body":"I was on a property last month."},{"speaker":"Marcus Maloney","startTime":1746.395,"endTime":1749.335,"body":"Never been in the property,"},{"speaker":"Marcus Maloney","startTime":1746.395,"endTime":1749.335,"body":"couldn't see the interior of the"},{"speaker":"Marcus Maloney","startTime":1749.335,"endTime":1752.545,"body":"property, had a squatter in the"},{"speaker":"Marcus Maloney","startTime":1749.335,"endTime":1752.545,"body":"property and everything like that."},{"speaker":"Marcus Maloney","startTime":1752.845,"endTime":1755.455,"body":"Normally Marcus Maloney"},{"speaker":"Marcus Maloney","startTime":1752.845,"endTime":1755.455,"body":"would not do that deal."},{"speaker":"Marcus Maloney","startTime":1756.035,"endTime":1759.215,"body":"But after much prayer and"},{"speaker":"Marcus Maloney","startTime":1756.035,"endTime":1759.215,"body":"meditation, something was"},{"speaker":"Marcus Maloney","startTime":1759.305,"endTime":1760.79,"body":"urging me to do the deal, do it."},{"speaker":"Marcus Maloney","startTime":1761.37,"endTime":1763.35,"body":"And I went on ahead and I did the deal."},{"speaker":"Marcus Maloney","startTime":1763.41,"endTime":1767.95,"body":"And it turned out to be probably one"},{"speaker":"Marcus Maloney","startTime":1763.41,"endTime":1767.95,"body":"of my best deals that I have ever did"},{"speaker":"Marcus Maloney","startTime":1768.61,"endTime":1772.92,"body":"so my biggest problem or one of the"},{"speaker":"Marcus Maloney","startTime":1768.61,"endTime":1772.92,"body":"things that I wish I could have changed"},{"speaker":"Marcus Maloney","startTime":1772.92,"endTime":1779.91,"body":"was just being more faithful and more"},{"speaker":"Marcus Maloney","startTime":1772.92,"endTime":1779.91,"body":"encouraging myself to get out there and"},{"speaker":"Marcus Maloney","startTime":1780.0,"endTime":1782.49,"body":"take some of the big challenges head on."},{"speaker":"Average Joe Finances","startTime":1783.66,"endTime":1783.96,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":1783.96,"endTime":1785.34,"body":"Yeah, definitely appreciate that."},{"speaker":"Average Joe Finances","startTime":1785.345,"endTime":1788.455,"body":"Wanting to be able to get rid"},{"speaker":"Average Joe Finances","startTime":1785.345,"endTime":1788.455,"body":"of some of that fear, right?"},{"speaker":"Average Joe Finances","startTime":1788.455,"endTime":1790.135,"body":"Some of that fear of beyond"},{"speaker":"Average Joe Finances","startTime":1788.455,"endTime":1790.135,"body":"unknown, take more risks yeah."},{"speaker":"Average Joe Finances","startTime":1790.135,"endTime":1790.215,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1790.215,"endTime":1790.975,"body":"Take more risks."},{"speaker":"Average Joe Finances","startTime":1791.575,"endTime":1794.575,"body":"Yeah, because that, if you invest"},{"speaker":"Average Joe Finances","startTime":1791.575,"endTime":1794.575,"body":"in anything it's a risk, right?"},{"speaker":"Average Joe Finances","startTime":1794.575,"endTime":1797.845,"body":"Whether it's real estate, your,"},{"speaker":"Average Joe Finances","startTime":1794.575,"endTime":1797.845,"body":"stock market, whatever it is, any"},{"speaker":"Average Joe Finances","startTime":1797.845,"endTime":1801.265,"body":"type of investment always carries"},{"speaker":"Average Joe Finances","startTime":1797.845,"endTime":1801.265,"body":"some type of inherent risk, right?"},{"speaker":"Average Joe Finances","startTime":1801.315,"endTime":1803.86,"body":"Alright, so Marcus these"},{"speaker":"Average Joe Finances","startTime":1801.315,"endTime":1803.86,"body":"questions all tie into each other."},{"speaker":"Average Joe Finances","startTime":1804.13,"endTime":1808.66,"body":"So the next one I want to ask you is, what"},{"speaker":"Average Joe Finances","startTime":1804.13,"endTime":1808.66,"body":"is something that you've learned that you"},{"speaker":"Average Joe Finances","startTime":1808.66,"endTime":1810.82,"body":"wish you knew when you first got started?"},{"speaker":"Marcus Maloney","startTime":1812.32,"endTime":1816.19,"body":"That I don't have"},{"speaker":"Marcus Maloney","startTime":1812.32,"endTime":1816.19,"body":"to have all of the answers, and"},{"speaker":"Marcus Maloney","startTime":1816.55,"endTime":1818.98,"body":"know where to get the answers from."},{"speaker":"Marcus Maloney","startTime":1819.04,"endTime":1822.25,"body":"That's where I believe mentorship is key."},{"speaker":"Marcus Maloney","startTime":1822.55,"endTime":1827.8,"body":"Mentorship is not just about learning, but"},{"speaker":"Marcus Maloney","startTime":1822.55,"endTime":1827.8,"body":"it's about getting the answers that you"},{"speaker":"Marcus Maloney","startTime":1827.8,"endTime":1829.9,"body":"may not be able to find the answers to."},{"speaker":"Marcus Maloney","startTime":1830.59,"endTime":1834.37,"body":"So just like you, Mike, if you're going"},{"speaker":"Marcus Maloney","startTime":1830.59,"endTime":1834.37,"body":"out, you're investing in a deal, or"},{"speaker":"Marcus Maloney","startTime":1834.375,"endTime":1838.15,"body":"you're, let's just say if you're doing"},{"speaker":"Marcus Maloney","startTime":1834.375,"endTime":1838.15,"body":"single families now and you say, you know"},{"speaker":"Marcus Maloney","startTime":1838.15,"endTime":1840.19,"body":"what I want, get into multifamily deals."},{"speaker":"Marcus Maloney","startTime":1841.285,"endTime":1844.015,"body":"It's always best to find"},{"speaker":"Marcus Maloney","startTime":1841.285,"endTime":1844.015,"body":"somebody that's in that niche."},{"speaker":"Marcus Maloney","startTime":1844.075,"endTime":1847.105,"body":"So if you come across something,"},{"speaker":"Marcus Maloney","startTime":1844.075,"endTime":1847.105,"body":"you can say, Hey, you know what?"},{"speaker":"Marcus Maloney","startTime":1847.105,"endTime":1848.305,"body":"Lemme bounce this off of you."},{"speaker":"Marcus Maloney","startTime":1848.305,"endTime":1849.685,"body":"What do you think about this?"},{"speaker":"Marcus Maloney","startTime":1850.135,"endTime":1854.035,"body":"And they'll have you to look at it"},{"speaker":"Marcus Maloney","startTime":1850.135,"endTime":1854.035,"body":"from a totally different perspective."},{"speaker":"Marcus Maloney","startTime":1854.425,"endTime":1858.795,"body":"So I believe just making sure you"},{"speaker":"Marcus Maloney","startTime":1854.425,"endTime":1858.795,"body":"have the right people around you"},{"speaker":"Marcus Maloney","startTime":1859.055,"endTime":1860.505,"body":"is very key and very important."},{"speaker":"Average Joe Finances","startTime":1862.415,"endTime":1865.145,"body":"No, it is all about"},{"speaker":"Average Joe Finances","startTime":1862.415,"endTime":1865.145,"body":"who you surround yourself with, right?"},{"speaker":"Average Joe Finances","startTime":1865.485,"endTime":1869.03,"body":"That it's very famous saying, you"},{"speaker":"Average Joe Finances","startTime":1865.485,"endTime":1869.03,"body":"are the average of the five people"},{"speaker":"Average Joe Finances","startTime":1869.3,"endTime":1870.62,"body":"that you hang around with the most."},{"speaker":"Average Joe Finances","startTime":1870.62,"endTime":1872.96,"body":"Yeah, I think it's important"},{"speaker":"Average Joe Finances","startTime":1870.62,"endTime":1872.96,"body":"that we pay attention to who"},{"speaker":"Average Joe Finances","startTime":1872.965,"endTime":1875.45,"body":"we're giving our time to, right?"},{"speaker":"Average Joe Finances","startTime":1875.455,"endTime":1876.595,"body":"So definitely appreciate that."},{"speaker":"Average Joe Finances","startTime":1876.625,"endTime":1876.985,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":1877.325,"endTime":1879.785,"body":"So Marcus, the next"},{"speaker":"Average Joe Finances","startTime":1877.325,"endTime":1879.785,"body":"question again ties into it."},{"speaker":"Average Joe Finances","startTime":1880.125,"endTime":1884.025,"body":"Do you have any tips or tricks that"},{"speaker":"Average Joe Finances","startTime":1880.125,"endTime":1884.025,"body":"you would recommend to someone that"},{"speaker":"Average Joe Finances","startTime":1884.025,"endTime":1885.495,"body":"is just getting started out today?"},{"speaker":"Marcus Maloney","startTime":1886.86,"endTime":1887.28,"body":"Sure."},{"speaker":"Marcus Maloney","startTime":1887.61,"endTime":1892.065,"body":"And it goes back to what we was talking"},{"speaker":"Marcus Maloney","startTime":1887.61,"endTime":1892.065,"body":"about Mike, one of the tips and tricks"},{"speaker":"Marcus Maloney","startTime":1892.065,"endTime":1896.455,"body":"that I would like to tell people is"},{"speaker":"Marcus Maloney","startTime":1892.065,"endTime":1896.455,"body":"one, I'm gonna give you a tip and I'm"},{"speaker":"Marcus Maloney","startTime":1896.455,"endTime":1899.645,"body":"gonna give you a trick, but I just"},{"speaker":"Marcus Maloney","startTime":1896.455,"endTime":1899.645,"body":"wanna put this in your listener ears,"},{"speaker":"Marcus Maloney","startTime":1899.945,"endTime":1906.125,"body":"is that to always be active listening"},{"speaker":"Marcus Maloney","startTime":1899.945,"endTime":1906.125,"body":"because no matter where you are, You"},{"speaker":"Marcus Maloney","startTime":1906.125,"endTime":1911.765,"body":"can find a real estate deal just by"},{"speaker":"Marcus Maloney","startTime":1906.125,"endTime":1911.765,"body":"having your active ears on and listening"},{"speaker":"Marcus Maloney","startTime":1911.765,"endTime":1915.305,"body":"to some of the situations and some of"},{"speaker":"Marcus Maloney","startTime":1911.765,"endTime":1915.305,"body":"the problems that people are having."},{"speaker":"Marcus Maloney","startTime":1915.635,"endTime":1918.945,"body":"One of the things so"},{"speaker":"Marcus Maloney","startTime":1915.635,"endTime":1918.945,"body":"always active listening."},{"speaker":"Marcus Maloney","startTime":1919.185,"endTime":1922.875,"body":"Always listen more than you talk,"},{"speaker":"Marcus Maloney","startTime":1919.185,"endTime":1922.875,"body":"especially if you're on the phone."},{"speaker":"Marcus Maloney","startTime":1922.875,"endTime":1926.205,"body":"So Mike, if you're trying to"},{"speaker":"Marcus Maloney","startTime":1922.875,"endTime":1926.205,"body":"get a listing, you want to hear."},{"speaker":"Marcus Maloney","startTime":1926.435,"endTime":1930.795,"body":"Why they wanna sell, how much they"},{"speaker":"Marcus Maloney","startTime":1926.435,"endTime":1930.795,"body":"wanna sell for how much time they need."},{"speaker":"Marcus Maloney","startTime":1930.995,"endTime":1932.225,"body":"Things like that, right?"},{"speaker":"Marcus Maloney","startTime":1932.255,"endTime":1935.225,"body":"That way you can solve the problem"},{"speaker":"Marcus Maloney","startTime":1932.255,"endTime":1935.225,"body":"so you can bring a solution."},{"speaker":"Marcus Maloney","startTime":1935.645,"endTime":1937.385,"body":"So that's what we do with our sellers."},{"speaker":"Marcus Maloney","startTime":1937.385,"endTime":1941.375,"body":"Now, one of the tips that I normally"},{"speaker":"Marcus Maloney","startTime":1937.385,"endTime":1941.375,"body":"don't tell a lot of people this, but"},{"speaker":"Marcus Maloney","startTime":1941.375,"endTime":1945.155,"body":"one of the tips is when you're on"},{"speaker":"Marcus Maloney","startTime":1941.375,"endTime":1945.155,"body":"the phone and you're talking with the"},{"speaker":"Marcus Maloney","startTime":1945.155,"endTime":1947.615,"body":"seller, or you're talking with yeah."},{"speaker":"Marcus Maloney","startTime":1947.705,"endTime":1948.905,"body":"A client or something."},{"speaker":"Marcus Maloney","startTime":1949.865,"endTime":1950.735,"body":"Do not hang the."},{"speaker":"Marcus Maloney","startTime":1952.755,"endTime":1955.545,"body":"Wait, be the last person"},{"speaker":"Marcus Maloney","startTime":1952.755,"endTime":1955.545,"body":"to hang the phone up."},{"speaker":"Marcus Maloney","startTime":1955.905,"endTime":1961.515,"body":"I've closed so many deals because people"},{"speaker":"Marcus Maloney","startTime":1955.905,"endTime":1961.515,"body":"may have thought they hung the phone"},{"speaker":"Marcus Maloney","startTime":1961.515,"endTime":1966.165,"body":"up, or right before they hang the phone"},{"speaker":"Marcus Maloney","startTime":1961.515,"endTime":1966.165,"body":"up, they'll say something and now it's"},{"speaker":"Marcus Maloney","startTime":1966.215,"endTime":1968.105,"body":"okay, that's what I needed to hear."},{"speaker":"Marcus Maloney","startTime":1968.285,"endTime":1972.625,"body":"So when I follow up and I make a phone"},{"speaker":"Marcus Maloney","startTime":1968.285,"endTime":1972.625,"body":"call back, I kinda lead into that"},{"speaker":"Marcus Maloney","startTime":1972.625,"endTime":1977.745,"body":"situation, so just an example so I"},{"speaker":"Marcus Maloney","startTime":1972.625,"endTime":1977.745,"body":"was working on the deal and the lady,"},{"speaker":"Marcus Maloney","startTime":1978.785,"endTime":1982.7,"body":"I had made the offer over the phone,"},{"speaker":"Marcus Maloney","startTime":1978.785,"endTime":1982.7,"body":"me and my acquisition manager, and we"},{"speaker":"Marcus Maloney","startTime":1982.7,"endTime":1986.06,"body":"were only a couple of grand off, and"},{"speaker":"Marcus Maloney","startTime":1982.7,"endTime":1986.06,"body":"they were like, you know what, if they"},{"speaker":"Marcus Maloney","startTime":1986.06,"endTime":1988.28,"body":"can get to X, I think we'll do it."},{"speaker":"Marcus Maloney","startTime":1989.27,"endTime":1995.11,"body":"And this was, she thought, she hung up the"},{"speaker":"Marcus Maloney","startTime":1989.27,"endTime":1995.11,"body":"phone, and so immediately what did we do?"},{"speaker":"Marcus Maloney","startTime":1995.44,"endTime":1996.46,"body":"We called her back."},{"speaker":"Marcus Maloney","startTime":1996.49,"endTime":1998.29,"body":"Once the phone hung"},{"speaker":"Marcus Maloney","startTime":1996.49,"endTime":1998.29,"body":"up, we called her back."},{"speaker":"Marcus Maloney","startTime":1998.42,"endTime":2001.43,"body":"So you know what after"},{"speaker":"Marcus Maloney","startTime":1998.42,"endTime":2001.43,"body":"further consideration, I"},{"speaker":"Marcus Maloney","startTime":2001.46,"endTime":2004.17,"body":"think we can do X if we do X."},{"speaker":"Marcus Maloney","startTime":2004.17,"endTime":2007.14,"body":"And it was a little bit above"},{"speaker":"Marcus Maloney","startTime":2004.17,"endTime":2007.14,"body":"the number that she said."},{"speaker":"Marcus Maloney","startTime":2007.38,"endTime":2009.63,"body":"I said, if we do X, can we"},{"speaker":"Marcus Maloney","startTime":2007.38,"endTime":2009.63,"body":"send over the contract and"},{"speaker":"Marcus Maloney","startTime":2009.63,"endTime":2010.86,"body":"get the deal signed right now?"},{"speaker":"Marcus Maloney","startTime":2012.15,"endTime":2013.74,"body":"And she was like, you know what?"},{"speaker":"Marcus Maloney","startTime":2013.74,"endTime":2015.72,"body":"Me and my husband was"},{"speaker":"Marcus Maloney","startTime":2013.74,"endTime":2015.72,"body":"just talking about that."},{"speaker":"Marcus Maloney","startTime":2016.11,"endTime":2017.61,"body":"Yes, let's go ahead and do it."},{"speaker":"Marcus Maloney","startTime":2017.67,"endTime":2020.31,"body":"So be the last person"},{"speaker":"Marcus Maloney","startTime":2017.67,"endTime":2020.31,"body":"to hang up the phone."},{"speaker":"Average Joe Finances","startTime":2021.42,"endTime":2021.75,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":2021.78,"endTime":2022.41,"body":"I like that."},{"speaker":"Average Joe Finances","startTime":2022.41,"endTime":2022.89,"body":"I like that."},{"speaker":"Average Joe Finances","startTime":2022.89,"endTime":2024.39,"body":"Be the last person to hang up the phone."},{"speaker":"Average Joe Finances","startTime":2024.55,"endTime":2026.41,"body":"And I like the first"},{"speaker":"Average Joe Finances","startTime":2024.55,"endTime":2026.41,"body":"part of that too, Marcus."},{"speaker":"Average Joe Finances","startTime":2026.41,"endTime":2028.275,"body":"The always, always listen."},{"speaker":"Average Joe Finances","startTime":2028.935,"endTime":2030.225,"body":"And you made a very good point too."},{"speaker":"Average Joe Finances","startTime":2030.225,"endTime":2034.68,"body":"We do, we have two ears and one mouth so"},{"speaker":"Average Joe Finances","startTime":2030.225,"endTime":2034.68,"body":"we could listen twice as much as we speak."},{"speaker":"Average Joe Finances","startTime":2035.08,"endTime":2035.23,"body":"So."},{"speaker":"Marcus Maloney","startTime":2035.23,"endTime":2035.76,"body":"True very true."},{"speaker":"Average Joe Finances","startTime":2035.775,"endTime":2036.77,"body":"Definitely appreciate that."},{"speaker":"Average Joe Finances","startTime":2037.48,"endTime":2040.995,"body":"Alright, Marcus, the final question or"},{"speaker":"Average Joe Finances","startTime":2037.48,"endTime":2040.995,"body":"the final round, and this is opinion"},{"speaker":"Average Joe Finances","startTime":2040.995,"endTime":2044.775,"body":"based, but do you have a favorite"},{"speaker":"Average Joe Finances","startTime":2040.995,"endTime":2044.775,"body":"business investing or real estate"},{"speaker":"Average Joe Finances","startTime":2044.78,"endTime":2047.475,"body":"related book or podcast or both?"},{"speaker":"Marcus Maloney","startTime":2049.605,"endTime":2050.445,"body":"You know what?"},{"speaker":"Marcus Maloney","startTime":2053.07,"endTime":2056.66,"body":"I'm gonna lean I'm gonna go back"},{"speaker":"Marcus Maloney","startTime":2053.07,"endTime":2056.66,"body":"to something that everybody has"},{"speaker":"Marcus Maloney","startTime":2056.66,"endTime":2059.73,"body":"read or even know about, but"},{"speaker":"Marcus Maloney","startTime":2056.66,"endTime":2059.73,"body":"I'm gonna go back to the Bible."},{"speaker":"Marcus Maloney","startTime":2060.16,"endTime":2066.49,"body":"That's my most favorite book because"},{"speaker":"Marcus Maloney","startTime":2060.16,"endTime":2066.49,"body":"there's so many investing principles"},{"speaker":"Marcus Maloney","startTime":2067.15,"endTime":2069.61,"body":"in there that people can pick up from."},{"speaker":"Marcus Maloney","startTime":2069.65,"endTime":2074.02,"body":"From, the, that with one two."},{"speaker":"Marcus Maloney","startTime":2075.505,"endTime":2076.585,"body":"There, there's so much."},{"speaker":"Marcus Maloney","startTime":2076.855,"endTime":2081.405,"body":"So if you want a great story, you wanna"},{"speaker":"Marcus Maloney","startTime":2076.855,"endTime":2081.405,"body":"learn, I would say just listen to, to,"},{"speaker":"Marcus Maloney","startTime":2081.465,"endTime":2086.775,"body":"or just read some of the chapters in"},{"speaker":"Marcus Maloney","startTime":2081.465,"endTime":2086.775,"body":"the Bible is excellent, but to take it"},{"speaker":"Marcus Maloney","startTime":2086.805,"endTime":2089.235,"body":"outta that realm, I enjoy the alchemy."},{"speaker":"Marcus Maloney","startTime":2089.435,"endTime":2091.28,"body":"That's probably my most favorite book."},{"speaker":"Marcus Maloney","startTime":2091.65,"endTime":2097.15,"body":"And the reason being just to, it"},{"speaker":"Marcus Maloney","startTime":2091.65,"endTime":2097.15,"body":"talks about the journey to what"},{"speaker":"Marcus Maloney","startTime":2097.15,"endTime":2100.185,"body":"you're trying to accomplish, the"},{"speaker":"Marcus Maloney","startTime":2097.15,"endTime":2100.185,"body":"journey of your dream, you're gonna"},{"speaker":"Marcus Maloney","startTime":2100.185,"endTime":2104.125,"body":"go through so many challenges, so"},{"speaker":"Marcus Maloney","startTime":2100.185,"endTime":2104.125,"body":"many ups, so many downs, but if you"},{"speaker":"Marcus Maloney","startTime":2104.125,"endTime":2108.205,"body":"stay the course and you stay the path,"},{"speaker":"Marcus Maloney","startTime":2104.125,"endTime":2108.205,"body":"you're gonna accomplish that dream."},{"speaker":"Marcus Maloney","startTime":2108.475,"endTime":2111.655,"body":"So I always tell people,"},{"speaker":"Marcus Maloney","startTime":2108.475,"endTime":2111.655,"body":"always enjoy the journey."},{"speaker":"Marcus Maloney","startTime":2111.895,"endTime":2116.185,"body":"Don't look just towards the destination,"},{"speaker":"Marcus Maloney","startTime":2111.895,"endTime":2116.185,"body":"but throughout the journey you're"},{"speaker":"Marcus Maloney","startTime":2116.185,"endTime":2120.385,"body":"gonna learn so much and you'll look"},{"speaker":"Marcus Maloney","startTime":2116.185,"endTime":2120.385,"body":"back and you'll say, youi learn"},{"speaker":"Marcus Maloney","startTime":2120.385,"endTime":2125.445,"body":"more going to the journey than"},{"speaker":"Marcus Maloney","startTime":2120.385,"endTime":2125.445,"body":"just getting into the destination."},{"speaker":"Average Joe Finances","startTime":2125.445,"endTime":2126.145,"body":"No, I like that."},{"speaker":"Average Joe Finances","startTime":2126.145,"endTime":2127.375,"body":"I appreciate those recommendations."},{"speaker":"Average Joe Finances","startTime":2127.375,"endTime":2131.065,"body":"And that's only the second time"},{"speaker":"Average Joe Finances","startTime":2127.375,"endTime":2131.065,"body":"somebody's recommended the Alchemist."},{"speaker":"Average Joe Finances","startTime":2131.115,"endTime":2135.175,"body":"It's on my list and yeah I think I"},{"speaker":"Average Joe Finances","startTime":2131.115,"endTime":2135.175,"body":"gotta move it up because it definitely"},{"speaker":"Average Joe Finances","startTime":2135.175,"endTime":2138.69,"body":"sounds like it carries some great"},{"speaker":"Average Joe Finances","startTime":2135.175,"endTime":2138.69,"body":"financial principles for you to use"},{"speaker":"Average Joe Finances","startTime":2138.695,"endTime":2140.325,"body":"and business principles as well."},{"speaker":"Average Joe Finances","startTime":2140.325,"endTime":2140.326,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":2140.875,"endTime":2141.995,"body":"Yeah, definitely appreciate that."},{"speaker":"Marcus Maloney","startTime":2141.995,"endTime":2144.655,"body":"A great"},{"speaker":"Marcus Maloney","startTime":2141.995,"endTime":2144.655,"body":"podcast same as flock."},{"speaker":"Marcus Maloney","startTime":2145.115,"endTime":2147.725,"body":"I love the, we love"},{"speaker":"Marcus Maloney","startTime":2145.115,"endTime":2147.725,"body":"Equity real Estate show."},{"speaker":"Marcus Maloney","startTime":2147.815,"endTime":2151.385,"body":"That's the podcast that I'm a"},{"speaker":"Marcus Maloney","startTime":2147.815,"endTime":2151.385,"body":"host of and the AZREIA show."},{"speaker":"Marcus Maloney","startTime":2151.385,"endTime":2152.495,"body":"So it's two podcasts."},{"speaker":"Average Joe Finances","startTime":2152.495,"endTime":2155.065,"body":"Oh see I forgot"},{"speaker":"Average Joe Finances","startTime":2152.495,"endTime":2155.065,"body":"to preface it with besides your own."},{"speaker":"Average Joe Finances","startTime":2155.665,"endTime":2155.955,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":2156.485,"endTime":2157.318,"body":"But that's okay."},{"speaker":"Average Joe Finances","startTime":2157.318,"endTime":2158.818,"body":"Because actually let's get into that."},{"speaker":"Average Joe Finances","startTime":2159.388,"endTime":2161.818,"body":"Where can people find more"},{"speaker":"Average Joe Finances","startTime":2159.388,"endTime":2161.818,"body":"information about you?"},{"speaker":"Average Joe Finances","startTime":2161.818,"endTime":2165.698,"body":"Can we get your website, social"},{"speaker":"Average Joe Finances","startTime":2161.818,"endTime":2165.698,"body":"media, your podcast things like that."},{"speaker":"Average Joe Finances","startTime":2165.698,"endTime":2168.398,"body":"Like where can our audience"},{"speaker":"Average Joe Finances","startTime":2165.698,"endTime":2168.398,"body":"check out more of Marcus Maloney?"},{"speaker":"Marcus Maloney","startTime":2169.418,"endTime":2173.058,"body":"So on all social"},{"speaker":"Marcus Maloney","startTime":2169.418,"endTime":2173.058,"body":"media all social media platforms,"},{"speaker":"Marcus Maloney","startTime":2173.358,"endTime":2179.538,"body":"it's @mrcsmaloney, that's Instagram,"},{"speaker":"Marcus Maloney","startTime":2173.358,"endTime":2179.538,"body":"Twitter, LinkedIn YouTube."},{"speaker":"Marcus Maloney","startTime":2179.988,"endTime":2183.948,"body":"And then my podcast, which is the"},{"speaker":"Marcus Maloney","startTime":2179.988,"endTime":2183.948,"body":"We Love equity real estate show."},{"speaker":"Marcus Maloney","startTime":2185.088,"endTime":2192.028,"body":"And then my website, Marcus e Maloney"},{"speaker":"Marcus Maloney","startTime":2185.088,"endTime":2192.028,"body":"e stands equity, so marcusemaloney.com."},{"speaker":"Marcus Maloney","startTime":2192.048,"endTime":2192.738,"body":"You can go there."},{"speaker":"Marcus Maloney","startTime":2192.738,"endTime":2195.258,"body":"We have tons of free content there."},{"speaker":"Marcus Maloney","startTime":2195.318,"endTime":2199.838,"body":"And then our YouTube channel,"},{"speaker":"Marcus Maloney","startTime":2195.318,"endTime":2199.838,"body":"MRCS Maloney also Free content."},{"speaker":"Marcus Maloney","startTime":2199.898,"endTime":2203.018,"body":"And I love to give Mike, if"},{"speaker":"Marcus Maloney","startTime":2199.898,"endTime":2203.018,"body":"you haven't noticed that this"},{"speaker":"Marcus Maloney","startTime":2203.018,"endTime":2205.018,"body":"is the theme of this podcast."},{"speaker":"Marcus Maloney","startTime":2205.288,"endTime":2208.558,"body":"So I have tons of things on there"},{"speaker":"Marcus Maloney","startTime":2205.288,"endTime":2208.558,"body":"that are, that I like to give away."},{"speaker":"Marcus Maloney","startTime":2208.558,"endTime":2209.728,"body":"Free purchase contract."},{"speaker":"Marcus Maloney","startTime":2209.968,"endTime":2213.298,"body":"If you want to jump on the phone with"},{"speaker":"Marcus Maloney","startTime":2209.968,"endTime":2213.298,"body":"me for 15 minutes, you know I have a"},{"speaker":"Marcus Maloney","startTime":2213.298,"endTime":2217.138,"body":"free 15 minute consultation there, and"},{"speaker":"Marcus Maloney","startTime":2213.298,"endTime":2217.138,"body":"I'm not trying to sell you on anything."},{"speaker":"Marcus Maloney","startTime":2217.138,"endTime":2219.268,"body":"Hey, you can go and you"},{"speaker":"Marcus Maloney","startTime":2217.138,"endTime":2219.268,"body":"can buy from anyone."},{"speaker":"Marcus Maloney","startTime":2219.538,"endTime":2221.008,"body":"I'm not trying to sell you on anything."},{"speaker":"Marcus Maloney","startTime":2221.008,"endTime":2225.668,"body":"I just generally like to answer"},{"speaker":"Marcus Maloney","startTime":2221.008,"endTime":2225.668,"body":"and help answers people question."},{"speaker":"Average Joe Finances","startTime":2227.083,"endTime":2228.883,"body":"Marcus, just"},{"speaker":"Average Joe Finances","startTime":2227.083,"endTime":2228.883,"body":"another good way that, that you're"},{"speaker":"Average Joe Finances","startTime":2228.883,"endTime":2230.173,"body":"giving back to the community."},{"speaker":"Average Joe Finances","startTime":2230.173,"endTime":2231.043,"body":"So I love that."},{"speaker":"Average Joe Finances","startTime":2231.503,"endTime":2231.923,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":2232.053,"endTime":2233.343,"body":"This has been fantastic, man."},{"speaker":"Average Joe Finances","startTime":2233.343,"endTime":2237.343,"body":"I feel I've learned a lot from you and"},{"speaker":"Average Joe Finances","startTime":2233.343,"endTime":2237.343,"body":"just having this conversation with you and"},{"speaker":"Average Joe Finances","startTime":2237.343,"endTime":2238.453,"body":"just seeing the things that you're doing."},{"speaker":"Average Joe Finances","startTime":2238.453,"endTime":2242.633,"body":"Marcus, it's just been really refreshing"},{"speaker":"Average Joe Finances","startTime":2238.453,"endTime":2242.633,"body":"to have a conversation like this."},{"speaker":"Average Joe Finances","startTime":2242.993,"endTime":2246.413,"body":"And I wanted to ask you, do you have"},{"speaker":"Average Joe Finances","startTime":2242.993,"endTime":2246.413,"body":"any final thoughts for our listeners?"},{"speaker":"Marcus Maloney","startTime":2247.883,"endTime":2248.173,"body":"Yeah."},{"speaker":"Marcus Maloney","startTime":2248.343,"endTime":2251.623,"body":"One of just enjoy the journey guys."},{"speaker":"Marcus Maloney","startTime":2251.623,"endTime":2252.628,"body":"Enjoy get out there."},{"speaker":"Marcus Maloney","startTime":2252.628,"endTime":2254.118,"body":"And if you have a destination."},{"speaker":"Marcus Maloney","startTime":2255.438,"endTime":2259.888,"body":"You say, hey i want to be a"},{"speaker":"Marcus Maloney","startTime":2255.438,"endTime":2259.888,"body":"real estate investor, your a"},{"speaker":"Marcus Maloney","startTime":2259.888,"endTime":2261.018,"body":"inspiring real estate investor."},{"speaker":"Marcus Maloney","startTime":2261.488,"endTime":2264.493,"body":"The universe is gonna put so"},{"speaker":"Marcus Maloney","startTime":2261.488,"endTime":2264.493,"body":"many roadblocks in front of you"},{"speaker":"Marcus Maloney","startTime":2264.703,"endTime":2266.113,"body":"because it's gonna test your wheel."},{"speaker":"Marcus Maloney","startTime":2266.113,"endTime":2267.193,"body":"It's gonna test your mic."},{"speaker":"Marcus Maloney","startTime":2267.373,"endTime":2270.283,"body":"Is this something you truly,"},{"speaker":"Marcus Maloney","startTime":2267.373,"endTime":2270.283,"body":"really want or is it something"},{"speaker":"Marcus Maloney","startTime":2270.283,"endTime":2272.443,"body":"that you just desire to have?"},{"speaker":"Marcus Maloney","startTime":2272.743,"endTime":2276.463,"body":"And once you get through those roadblocks,"},{"speaker":"Marcus Maloney","startTime":2272.743,"endTime":2276.463,"body":"those doors will be opened up to you."},{"speaker":"Marcus Maloney","startTime":2276.743,"endTime":2280.278,"body":"So you just have to know what"},{"speaker":"Marcus Maloney","startTime":2276.743,"endTime":2280.278,"body":"you want and go after it no"},{"speaker":"Marcus Maloney","startTime":2280.278,"endTime":2282.828,"body":"matter what challenges you face."},{"speaker":"Marcus Maloney","startTime":2282.888,"endTime":2285.078,"body":"And then finally, get out there, network."},{"speaker":"Marcus Maloney","startTime":2285.348,"endTime":2286.848,"body":"Get from behind your computer."},{"speaker":"Marcus Maloney","startTime":2286.848,"endTime":2287.508,"body":"Go out."},{"speaker":"Marcus Maloney","startTime":2287.778,"endTime":2293.088,"body":"And go to, real events, meetups, wherever"},{"speaker":"Marcus Maloney","startTime":2287.778,"endTime":2293.088,"body":"you need to go in order to meet other"},{"speaker":"Marcus Maloney","startTime":2293.088,"endTime":2296.508,"body":"real estate investor and like-minded"},{"speaker":"Marcus Maloney","startTime":2293.088,"endTime":2296.508,"body":"people, and start bonding and start"},{"speaker":"Marcus Maloney","startTime":2296.513,"endTime":2300.468,"body":"making those relationships because it's"},{"speaker":"Marcus Maloney","startTime":2296.513,"endTime":2300.468,"body":"not the real estate that's gonna make you"},{"speaker":"Marcus Maloney","startTime":2300.473,"endTime":2304.128,"body":"successful, but it's the relationships"},{"speaker":"Marcus Maloney","startTime":2300.473,"endTime":2304.128,"body":"that's gonna make you successful."},{"speaker":"Average Joe Finances","startTime":2305.103,"endTime":2307.203,"body":"Absolutely"},{"speaker":"Average Joe Finances","startTime":2305.103,"endTime":2307.203,"body":"love that, Marcus and I couldn't"},{"speaker":"Average Joe Finances","startTime":2307.203,"endTime":2310.483,"body":"agree more that's some of the best"},{"speaker":"Average Joe Finances","startTime":2307.203,"endTime":2310.483,"body":"final thoughts I've had on the show."},{"speaker":"Average Joe Finances","startTime":2310.483,"endTime":2313.543,"body":"So definitely appreciate"},{"speaker":"Average Joe Finances","startTime":2310.483,"endTime":2313.543,"body":"your wisdom there at the end."},{"speaker":"Average Joe Finances","startTime":2313.843,"endTime":2316.963,"body":"And again, Marcus, I wanna thank you"},{"speaker":"Average Joe Finances","startTime":2313.843,"endTime":2316.963,"body":"so much for taking the time outta your"},{"speaker":"Average Joe Finances","startTime":2316.963,"endTime":2321.253,"body":"day to, to join me today on the show"},{"speaker":"Average Joe Finances","startTime":2316.963,"endTime":2321.253,"body":"and share your story and share what"},{"speaker":"Average Joe Finances","startTime":2321.253,"endTime":2324.828,"body":"you're doing because you're helping"},{"speaker":"Average Joe Finances","startTime":2321.253,"endTime":2324.828,"body":"change lives and I'm hoping that by"},{"speaker":"Average Joe Finances","startTime":2324.828,"endTime":2328.039,"body":"getting this out to my audience, that"},{"speaker":"Average Joe Finances","startTime":2324.828,"endTime":2328.039,"body":"they're gonna learn more about you and"},{"speaker":"Average Joe Finances","startTime":2328.044,"endTime":2329.538,"body":"you can help change even more lives."},{"speaker":"Average Joe Finances","startTime":2329.538,"endTime":2331.308,"body":"So again, thank you so much."},{"speaker":"Marcus Maloney","startTime":2332.088,"endTime":2332.598,"body":"Thank you, Mike."},{"speaker":"Marcus Maloney","startTime":2332.598,"endTime":2336.468,"body":"I'm just an Average Joe working in"},{"speaker":"Marcus Maloney","startTime":2332.598,"endTime":2336.468,"body":"real estate and trying to help people."},{"speaker":"Average Joe Finances","startTime":2336.828,"endTime":2337.308,"body":"I love it."},{"speaker":"Average Joe Finances","startTime":2337.308,"endTime":2337.758,"body":"I love it."},{"speaker":"Average Joe Finances","startTime":2337.938,"endTime":2342.618,"body":"And hey, to my listeners, I wanna thank"},{"speaker":"Average Joe Finances","startTime":2337.938,"endTime":2342.618,"body":"all of you so very much for joining me"},{"speaker":"Average Joe Finances","startTime":2342.618,"endTime":2346.278,"body":"and our special guest, Marcus Maloney,"},{"speaker":"Average Joe Finances","startTime":2342.618,"endTime":2346.278,"body":"on the average Joe Finances Podcast."},{"speaker":"Average Joe Finances","startTime":2346.668,"endTime":2349.218,"body":"Go leave us a five star review"},{"speaker":"Average Joe Finances","startTime":2346.668,"endTime":2349.218,"body":"and tell us what you liked about"},{"speaker":"Average Joe Finances","startTime":2349.223,"endTime":2351.048,"body":"today's episode with Marcus."},{"speaker":"Average Joe Finances","startTime":2351.438,"endTime":2354.048,"body":"Aloha from Hawaii and have"},{"speaker":"Average Joe Finances","startTime":2351.438,"endTime":2354.048,"body":"a great rest of your day."}]}