{"version":"1.0.0","segments":[{"speaker":"Average Joe Finances","startTime":0.663,"endTime":3.053,"body":"Hey, welcome back"},{"speaker":"Average Joe Finances","startTime":0.663,"endTime":3.053,"body":"to the average Joe finances podcast."},{"speaker":"Average Joe Finances","startTime":3.093,"endTime":6.303,"body":"I'm your host, Mike Cavaggioni,"},{"speaker":"Average Joe Finances","startTime":3.093,"endTime":6.303,"body":"and today we have a fellow"},{"speaker":"Average Joe Finances","startTime":6.303,"endTime":8.863,"body":"paisan on Giuseppe Grammatico."},{"speaker":"Average Joe Finances","startTime":8.863,"endTime":11.903,"body":"So Giuseppe, thank you so much"},{"speaker":"Average Joe Finances","startTime":8.863,"endTime":11.903,"body":"for taking the time today and"},{"speaker":"Average Joe Finances","startTime":11.903,"endTime":12.993,"body":"joining me on the podcast."},{"speaker":"Guiseppe Grammatico","startTime":13.503,"endTime":14.473,"body":"Mike"},{"speaker":"Guiseppe Grammatico","startTime":13.503,"endTime":14.473,"body":"looking forward to it."},{"speaker":"Guiseppe Grammatico","startTime":14.473,"endTime":15.973,"body":"Yeah, it's a small world, right?"},{"speaker":"Guiseppe Grammatico","startTime":15.973,"endTime":18.593,"body":"We're all I feel like we're from the"},{"speaker":"Guiseppe Grammatico","startTime":15.973,"endTime":18.593,"body":"the same area here in the East coast."},{"speaker":"Guiseppe Grammatico","startTime":19.253,"endTime":19.713,"body":"So that's awesome."},{"speaker":"Average Joe Finances","startTime":19.713,"endTime":19.863,"body":"Yeah, Yeah."},{"speaker":"Average Joe Finances","startTime":19.863,"endTime":20.203,"body":"Absolutely."},{"speaker":"Average Joe Finances","startTime":20.333,"endTime":21.883,"body":"That's before we hit record."},{"speaker":"Average Joe Finances","startTime":21.883,"endTime":22.823,"body":"We were talking about that."},{"speaker":"Average Joe Finances","startTime":23.003,"endTime":25.133,"body":"Just the Jersey shore in general."},{"speaker":"Average Joe Finances","startTime":25.133,"endTime":26.493,"body":"I used to go vacation up there."},{"speaker":"Average Joe Finances","startTime":26.493,"endTime":27.983,"body":"So just really good time."},{"speaker":"Average Joe Finances","startTime":28.293,"endTime":30.353,"body":"Yeah, so really awesome to have you on."},{"speaker":"Average Joe Finances","startTime":30.603,"endTime":34.473,"body":"I'd like to start these things off"},{"speaker":"Average Joe Finances","startTime":30.603,"endTime":34.473,"body":"the way I start every podcast and that"},{"speaker":"Average Joe Finances","startTime":34.503,"endTime":36.693,"body":"is we want to know more about you."},{"speaker":"Average Joe Finances","startTime":36.713,"endTime":37.503,"body":"So if you could."},{"speaker":"Average Joe Finances","startTime":37.503,"endTime":37.663,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":37.848,"endTime":39.198,"body":"Share a little bit about yourself."},{"speaker":"Average Joe Finances","startTime":39.198,"endTime":40.058,"body":"Share your story."},{"speaker":"Average Joe Finances","startTime":40.388,"endTime":43.088,"body":"Tell us who is Giuseppe Grammatico."},{"speaker":"Guiseppe Grammatico","startTime":43.138,"endTime":45.758,"body":"So"},{"speaker":"Guiseppe Grammatico","startTime":43.138,"endTime":45.758,"body":"yeah, Giuseppe Grammatico."},{"speaker":"Guiseppe Grammatico","startTime":45.788,"endTime":46.838,"body":"That's a mouthful."},{"speaker":"Guiseppe Grammatico","startTime":46.838,"endTime":48.338,"body":"It's Italian for Joseph."},{"speaker":"Guiseppe Grammatico","startTime":48.338,"endTime":49.608,"body":"A lot of people don't know that."},{"speaker":"Guiseppe Grammatico","startTime":50.148,"endTime":51.708,"body":"Born and raised in New Jersey."},{"speaker":"Guiseppe Grammatico","startTime":52.048,"endTime":55.088,"body":"Married to a beautiful wife,"},{"speaker":"Guiseppe Grammatico","startTime":52.048,"endTime":55.088,"body":"Anita, and two children."},{"speaker":"Guiseppe Grammatico","startTime":55.088,"endTime":59.238,"body":"Two teenagers in the house now,"},{"speaker":"Guiseppe Grammatico","startTime":55.088,"endTime":59.238,"body":"officially, here in New Jersey."},{"speaker":"Guiseppe Grammatico","startTime":59.648,"endTime":61.798,"body":"Avid soccer fan, pizza fanatic."},{"speaker":"Guiseppe Grammatico","startTime":61.808,"endTime":66.338,"body":"That's a little bit about me, but we are"},{"speaker":"Guiseppe Grammatico","startTime":61.808,"endTime":66.338,"body":"started my career family came over on"},{"speaker":"Guiseppe Grammatico","startTime":66.338,"endTime":70.338,"body":"first generation started in the restaurant"},{"speaker":"Guiseppe Grammatico","startTime":66.338,"endTime":70.338,"body":"business and then said, you know what?"},{"speaker":"Guiseppe Grammatico","startTime":70.338,"endTime":71.288,"body":"I want to go to college."},{"speaker":"Guiseppe Grammatico","startTime":71.308,"endTime":76.328,"body":"I have this I loved investments, personal"},{"speaker":"Guiseppe Grammatico","startTime":71.308,"endTime":76.328,"body":"finance became one of the youngest"},{"speaker":"Guiseppe Grammatico","startTime":76.348,"endTime":81.368,"body":"series seven licensed brokers work for"},{"speaker":"Guiseppe Grammatico","startTime":76.348,"endTime":81.368,"body":"pain Weber at the time, not now UBS."},{"speaker":"Guiseppe Grammatico","startTime":81.923,"endTime":86.153,"body":"And went down that, that route was"},{"speaker":"Guiseppe Grammatico","startTime":81.923,"endTime":86.153,"body":"a financial advisor and investment"},{"speaker":"Guiseppe Grammatico","startTime":86.163,"endTime":90.293,"body":"wholesaler and just didn't feel like I"},{"speaker":"Guiseppe Grammatico","startTime":86.163,"endTime":90.293,"body":"learned a ton, but didn't feel like it"},{"speaker":"Guiseppe Grammatico","startTime":90.293,"endTime":94.923,"body":"was the right fit for me ended up going"},{"speaker":"Guiseppe Grammatico","startTime":90.293,"endTime":94.923,"body":"back to grad school, did the corporate"},{"speaker":"Guiseppe Grammatico","startTime":94.923,"endTime":97.063,"body":"thing for a while and said, you know what?"},{"speaker":"Guiseppe Grammatico","startTime":97.063,"endTime":98.753,"body":"I have a passion for business."},{"speaker":"Guiseppe Grammatico","startTime":99.333,"endTime":103.793,"body":"Working in the the restaurant as a kid"},{"speaker":"Guiseppe Grammatico","startTime":99.333,"endTime":103.793,"body":"and growing up into my twenties, but I"},{"speaker":"Guiseppe Grammatico","startTime":103.803,"endTime":107.733,"body":"don't like that specific industry due"},{"speaker":"Guiseppe Grammatico","startTime":103.803,"endTime":107.733,"body":"to the hours, what else is out there."},{"speaker":"Guiseppe Grammatico","startTime":107.733,"endTime":112.193,"body":"So I stumbled across a franchising,"},{"speaker":"Guiseppe Grammatico","startTime":107.733,"endTime":112.193,"body":"started working with a franchise"},{"speaker":"Guiseppe Grammatico","startTime":112.193,"endTime":116.273,"body":"coach and bought my first"},{"speaker":"Guiseppe Grammatico","startTime":112.193,"endTime":116.273,"body":"two franchises back in 2007."},{"speaker":"Guiseppe Grammatico","startTime":116.763,"endTime":120.163,"body":"And shortly after I said, you"},{"speaker":"Guiseppe Grammatico","startTime":116.763,"endTime":120.163,"body":"know what, this helping people."},{"speaker":"Guiseppe Grammatico","startTime":120.763,"endTime":123.693,"body":"Own a business, one of the largest"},{"speaker":"Guiseppe Grammatico","startTime":120.763,"endTime":123.693,"body":"investments they'll make that sounds"},{"speaker":"Guiseppe Grammatico","startTime":123.693,"endTime":125.183,"body":"it was really enjoyable, the process."},{"speaker":"Guiseppe Grammatico","startTime":125.193,"endTime":128.073,"body":"So I became a franchise coach"},{"speaker":"Guiseppe Grammatico","startTime":125.193,"endTime":128.073,"body":"and consultant shortly after."},{"speaker":"Guiseppe Grammatico","startTime":128.073,"endTime":130.313,"body":"So it's been a fun ride."},{"speaker":"Guiseppe Grammatico","startTime":130.313,"endTime":133.133,"body":"I jokingly say I help people"},{"speaker":"Guiseppe Grammatico","startTime":130.313,"endTime":133.133,"body":"avoid financial not finance."},{"speaker":"Guiseppe Grammatico","startTime":133.143,"endTime":137.053,"body":"I should say divorces for married"},{"speaker":"Guiseppe Grammatico","startTime":133.143,"endTime":137.053,"body":"couples, because I like to include"},{"speaker":"Guiseppe Grammatico","startTime":137.053,"endTime":140.493,"body":"everyone and make sure they're on the"},{"speaker":"Guiseppe Grammatico","startTime":137.053,"endTime":140.493,"body":"same page, but really love what I do."},{"speaker":"Guiseppe Grammatico","startTime":140.493,"endTime":140.563,"body":"And."},{"speaker":"Guiseppe Grammatico","startTime":141.058,"endTime":143.308,"body":"Enjoy helping people"},{"speaker":"Guiseppe Grammatico","startTime":141.058,"endTime":143.308,"body":"throughout the entire process."},{"speaker":"Average Joe Finances","startTime":144.218,"endTime":144.608,"body":"Awesome."},{"speaker":"Average Joe Finances","startTime":144.618,"endTime":144.818,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":144.878,"endTime":148.208,"body":"I really appreciate that response"},{"speaker":"Average Joe Finances","startTime":144.878,"endTime":148.208,"body":"and a lot to unpack there, right?"},{"speaker":"Average Joe Finances","startTime":148.208,"endTime":151.858,"body":"Because you said when your family first"},{"speaker":"Average Joe Finances","startTime":148.208,"endTime":151.858,"body":"came to the States they started off in the"},{"speaker":"Average Joe Finances","startTime":151.858,"endTime":153.498,"body":"rest in the food industry business, right?"},{"speaker":"Average Joe Finances","startTime":153.498,"endTime":154.118,"body":"In restaurant."},{"speaker":"Average Joe Finances","startTime":154.898,"endTime":158.983,"body":"It's funny cause  when my grandparents"},{"speaker":"Average Joe Finances","startTime":154.898,"endTime":158.983,"body":"came here they had a deli in in our"},{"speaker":"Average Joe Finances","startTime":158.983,"endTime":160.493,"body":"hometown, where we lived at central Islip."},{"speaker":"Average Joe Finances","startTime":160.543,"endTime":164.333,"body":"And they had this deli and the"},{"speaker":"Average Joe Finances","startTime":160.543,"endTime":164.333,"body":"house was like attached to it."},{"speaker":"Average Joe Finances","startTime":164.863,"endTime":166.473,"body":"And it was just, that"},{"speaker":"Average Joe Finances","startTime":164.863,"endTime":166.473,"body":"was just how we grew up."},{"speaker":"Average Joe Finances","startTime":166.523,"endTime":167.143,"body":"And."},{"speaker":"Average Joe Finances","startTime":167.418,"endTime":169.378,"body":"Later on, we all moved"},{"speaker":"Average Joe Finances","startTime":167.418,"endTime":169.378,"body":"on to their own things."},{"speaker":"Average Joe Finances","startTime":169.378,"endTime":171.058,"body":"My dad had his own business, right?"},{"speaker":"Average Joe Finances","startTime":171.418,"endTime":174.178,"body":"My uncle's got into like"},{"speaker":"Average Joe Finances","startTime":171.418,"endTime":174.178,"body":"real estate and everything."},{"speaker":"Average Joe Finances","startTime":174.228,"endTime":176.908,"body":"And Oh and funny thing I want"},{"speaker":"Average Joe Finances","startTime":174.228,"endTime":176.908,"body":"to point out too, since you had"},{"speaker":"Average Joe Finances","startTime":176.908,"endTime":181.128,"body":"mentioned the translation of Giuseppe"},{"speaker":"Average Joe Finances","startTime":176.908,"endTime":181.128,"body":"from Italian to English is Joseph."},{"speaker":"Average Joe Finances","startTime":181.168,"endTime":182.758,"body":"That's actually my middle name is Joseph."},{"speaker":"Average Joe Finances","startTime":182.818,"endTime":184.988,"body":"But the actual Joseph, not Giuseppe."},{"speaker":"Average Joe Finances","startTime":185.218,"endTime":185.438,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":185.448,"endTime":187.538,"body":"And that's funny because when"},{"speaker":"Average Joe Finances","startTime":185.448,"endTime":187.538,"body":"you're coming on this show, this"},{"speaker":"Average Joe Finances","startTime":187.538,"endTime":189.278,"body":"is called Average Joe Finances."},{"speaker":"Average Joe Finances","startTime":189.278,"endTime":191.298,"body":"So it's a perfect name,"},{"speaker":"Average Joe Finances","startTime":189.278,"endTime":191.298,"body":"to come on the show."},{"speaker":"Guiseppe Grammatico","startTime":191.318,"endTime":192.438,"body":"I was average joe."},{"speaker":"Guiseppe Grammatico","startTime":192.468,"endTime":192.838,"body":"That's it."},{"speaker":"Average Joe Finances","startTime":192.838,"endTime":193.108,"body":"Yeah."},{"speaker":"Guiseppe Grammatico","startTime":193.108,"endTime":194.538,"body":"I"},{"speaker":"Guiseppe Grammatico","startTime":193.108,"endTime":194.538,"body":"still have the Average Joe."},{"speaker":"Guiseppe Grammatico","startTime":194.538,"endTime":195.655,"body":"The Average Giuseppe."},{"speaker":"Guiseppe Grammatico","startTime":195.655,"endTime":197.518,"body":"Average Giuseppe for the Italian"},{"speaker":"Average Joe Finances","startTime":197.518,"endTime":197.918,"body":"crowd."},{"speaker":"Average Joe Finances","startTime":198.378,"endTime":198.838,"body":"There you go."},{"speaker":"Average Joe Finances","startTime":199.158,"endTime":199.408,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":199.408,"endTime":203.298,"body":"So it's interesting to see a"},{"speaker":"Average Joe Finances","startTime":199.408,"endTime":203.298,"body":"similar dynamic in just the way"},{"speaker":"Average Joe Finances","startTime":203.298,"endTime":207.308,"body":"it was for our families when"},{"speaker":"Average Joe Finances","startTime":203.298,"endTime":207.308,"body":"they came to the States, right?"},{"speaker":"Average Joe Finances","startTime":207.628,"endTime":209.828,"body":"Starting off on their own,"},{"speaker":"Average Joe Finances","startTime":207.628,"endTime":209.828,"body":"trying to live that American"},{"speaker":"Average Joe Finances","startTime":209.828,"endTime":211.388,"body":"dream, start their own business."},{"speaker":"Average Joe Finances","startTime":212.048,"endTime":215.398,"body":"And then, you went to school, like you"},{"speaker":"Average Joe Finances","startTime":212.048,"endTime":215.398,"body":"did your own path and then decided,"},{"speaker":"Average Joe Finances","startTime":215.408,"endTime":217.498,"body":"Hey, I want to get into business."},{"speaker":"Average Joe Finances","startTime":217.498,"endTime":218.568,"body":"This is what I want to do."},{"speaker":"Average Joe Finances","startTime":219.298,"endTime":220.858,"body":"But then you got into franchising, right?"},{"speaker":"Average Joe Finances","startTime":220.878,"endTime":224.003,"body":"So getting into franchising"},{"speaker":"Average Joe Finances","startTime":220.878,"endTime":224.003,"body":"and experiencing that."},{"speaker":"Average Joe Finances","startTime":224.163,"endTime":226.743,"body":"And seeing how helpful it was, right?"},{"speaker":"Average Joe Finances","startTime":227.033,"endTime":228.803,"body":"You want to be able to"},{"speaker":"Average Joe Finances","startTime":227.033,"endTime":228.803,"body":"help other people do that."},{"speaker":"Average Joe Finances","startTime":228.803,"endTime":229.953,"body":"So I think that's really awesome."},{"speaker":"Average Joe Finances","startTime":230.233,"endTime":233.833,"body":"I had someone on not too long ago, and"},{"speaker":"Average Joe Finances","startTime":230.233,"endTime":233.833,"body":"this is what we were talking about."},{"speaker":"Average Joe Finances","startTime":233.833,"endTime":235.043,"body":"We were talking about franchising."},{"speaker":"Average Joe Finances","startTime":235.403,"endTime":238.903,"body":"As a matter of fact, these episodes might"},{"speaker":"Average Joe Finances","startTime":235.403,"endTime":238.903,"body":"be very close to being back to back."},{"speaker":"Average Joe Finances","startTime":239.283,"endTime":239.803,"body":"Which is good."},{"speaker":"Average Joe Finances","startTime":239.803,"endTime":241.483,"body":"I think too it'll be like a little series."},{"speaker":"Average Joe Finances","startTime":241.863,"endTime":246.433,"body":"But it, what I find really interesting"},{"speaker":"Average Joe Finances","startTime":241.863,"endTime":246.433,"body":"about the franchising industry is."},{"speaker":"Average Joe Finances","startTime":246.833,"endTime":249.373,"body":"If you get into the right one, it's"},{"speaker":"Average Joe Finances","startTime":246.833,"endTime":249.373,"body":"it's essentially like a business"},{"speaker":"Average Joe Finances","startTime":249.373,"endTime":250.813,"body":"in a box that's handed to you."},{"speaker":"Average Joe Finances","startTime":251.383,"endTime":255.453,"body":"And a lot of the stuff that you have"},{"speaker":"Average Joe Finances","startTime":251.383,"endTime":255.453,"body":"to go through at the very beginning"},{"speaker":"Average Joe Finances","startTime":255.453,"endTime":259.513,"body":"of starting a business to what you"},{"speaker":"Average Joe Finances","startTime":255.453,"endTime":259.513,"body":"get with the franchise right away,"},{"speaker":"Average Joe Finances","startTime":259.993,"endTime":263.703,"body":"puts you like two to three years"},{"speaker":"Average Joe Finances","startTime":259.993,"endTime":263.703,"body":"ahead of starting it on your own."},{"speaker":"Average Joe Finances","startTime":263.753,"endTime":268.043,"body":"And like most businesses will take, it"},{"speaker":"Average Joe Finances","startTime":263.753,"endTime":268.043,"body":"averages about five years, before you see"},{"speaker":"Average Joe Finances","startTime":268.043,"endTime":269.823,"body":"if you're going to make profit or not."},{"speaker":"Average Joe Finances","startTime":270.373,"endTime":274.393,"body":"And what I've noticed, I have friends"},{"speaker":"Average Joe Finances","startTime":270.373,"endTime":274.393,"body":"that do friend have some franchises,"},{"speaker":"Average Joe Finances","startTime":274.393,"endTime":277.663,"body":"and what I've noticed within the"},{"speaker":"Average Joe Finances","startTime":274.393,"endTime":277.663,"body":"first year or two, they made their"},{"speaker":"Average Joe Finances","startTime":277.663,"endTime":279.553,"body":"money back and they're profitable."},{"speaker":"Average Joe Finances","startTime":279.573,"endTime":281.173,"body":"And I'm like, okay, this is really neat."},{"speaker":"Average Joe Finances","startTime":281.523,"endTime":283.513,"body":"So it's actually something I've"},{"speaker":"Average Joe Finances","startTime":281.523,"endTime":283.513,"body":"been looking at for a little while."},{"speaker":"Average Joe Finances","startTime":283.513,"endTime":286.873,"body":"So I think it's it's awesome that"},{"speaker":"Average Joe Finances","startTime":283.513,"endTime":286.873,"body":"now I'm having a couple franchise"},{"speaker":"Average Joe Finances","startTime":286.883,"endTime":289.463,"body":"folks come on the show and I get"},{"speaker":"Average Joe Finances","startTime":286.883,"endTime":289.463,"body":"to talk to you guys about this."},{"speaker":"Average Joe Finances","startTime":289.933,"endTime":292.603,"body":"But anyway, so if you could let,"},{"speaker":"Average Joe Finances","startTime":289.933,"endTime":292.603,"body":"just talk to me a little bit about."},{"speaker":"Average Joe Finances","startTime":292.948,"endTime":297.538,"body":"What it is that you actually do as"},{"speaker":"Average Joe Finances","startTime":292.948,"endTime":297.538,"body":"a franchise coach or a consultant,"},{"speaker":"Average Joe Finances","startTime":297.548,"endTime":300.558,"body":"like, how are you helping people"},{"speaker":"Average Joe Finances","startTime":297.548,"endTime":300.558,"body":"get started in the business?"},{"speaker":"Guiseppe Grammatico","startTime":301.168,"endTime":301.458,"body":"Yeah."},{"speaker":"Guiseppe Grammatico","startTime":301.458,"endTime":302.218,"body":"I appreciate that."},{"speaker":"Guiseppe Grammatico","startTime":302.578,"endTime":306.248,"body":"Its overwhelming out there because"},{"speaker":"Guiseppe Grammatico","startTime":302.578,"endTime":306.248,"body":"really I help people figure out"},{"speaker":"Guiseppe Grammatico","startTime":306.258,"endTime":309.678,"body":"one thing and it's, should I own"},{"speaker":"Guiseppe Grammatico","startTime":306.258,"endTime":309.678,"body":"a business and then should that"},{"speaker":"Guiseppe Grammatico","startTime":309.678,"endTime":311.818,"body":"business be a startup or a franchise?"},{"speaker":"Guiseppe Grammatico","startTime":311.818,"endTime":314.868,"body":"And because the franchise is not a good"},{"speaker":"Guiseppe Grammatico","startTime":311.818,"endTime":314.868,"body":"fit for everyone, it's for the, it's"},{"speaker":"Guiseppe Grammatico","startTime":314.878,"endTime":319.038,"body":"for the person that wants the systems"},{"speaker":"Guiseppe Grammatico","startTime":314.878,"endTime":319.038,"body":"in place that the guide, the blueprint"},{"speaker":"Guiseppe Grammatico","startTime":319.368,"endTime":321.118,"body":"to get them up and running much quicker."},{"speaker":"Guiseppe Grammatico","startTime":321.118,"endTime":325.698,"body":"So what I help people with is lots of"},{"speaker":"Guiseppe Grammatico","startTime":321.118,"endTime":325.698,"body":"education, figuring out, talking about"},{"speaker":"Guiseppe Grammatico","startTime":325.888,"endTime":329.428,"body":"the differences, not the pros and cons,"},{"speaker":"Guiseppe Grammatico","startTime":325.888,"endTime":329.428,"body":"but the differences between a franchise"},{"speaker":"Guiseppe Grammatico","startTime":329.458,"endTime":333.998,"body":"and a startup we talk about the types"},{"speaker":"Guiseppe Grammatico","startTime":329.458,"endTime":333.998,"body":"of ownership, full time ownership."},{"speaker":"Guiseppe Grammatico","startTime":334.373,"endTime":337.653,"body":"Semi absentee ownership, where you"},{"speaker":"Guiseppe Grammatico","startTime":334.373,"endTime":337.653,"body":"can keep your job and have a business"},{"speaker":"Guiseppe Grammatico","startTime":337.653,"endTime":341.873,"body":"on the side and then semi passive,"},{"speaker":"Guiseppe Grammatico","startTime":337.653,"endTime":341.873,"body":"which is a new category where you're"},{"speaker":"Guiseppe Grammatico","startTime":341.873,"endTime":343.973,"body":"investing much less time in the business."},{"speaker":"Guiseppe Grammatico","startTime":344.453,"endTime":346.693,"body":"And for that benefit,"},{"speaker":"Guiseppe Grammatico","startTime":344.453,"endTime":346.693,"body":"there's an added fee."},{"speaker":"Guiseppe Grammatico","startTime":346.693,"endTime":350.843,"body":"You pay almost like a management"},{"speaker":"Guiseppe Grammatico","startTime":346.693,"endTime":350.843,"body":"company similar to a hotel concept."},{"speaker":"Guiseppe Grammatico","startTime":351.293,"endTime":353.233,"body":"It's an overwhelming process."},{"speaker":"Guiseppe Grammatico","startTime":353.433,"endTime":356.183,"body":"And what we're seeing is people are."},{"speaker":"Guiseppe Grammatico","startTime":356.488,"endTime":358.648,"body":"Just like myself, by the"},{"speaker":"Guiseppe Grammatico","startTime":356.488,"endTime":358.648,"body":"way, I'm guilty of this."},{"speaker":"Guiseppe Grammatico","startTime":358.648,"endTime":360.918,"body":"They're doing, they're"},{"speaker":"Guiseppe Grammatico","startTime":358.648,"endTime":360.918,"body":"researching in reverse."},{"speaker":"Guiseppe Grammatico","startTime":360.948,"endTime":363.068,"body":"They're looking for the hot franchise."},{"speaker":"Guiseppe Grammatico","startTime":363.468,"endTime":365.458,"body":"And then trying to make it work for them."},{"speaker":"Guiseppe Grammatico","startTime":365.488,"endTime":366.508,"body":"So it's this is great."},{"speaker":"Guiseppe Grammatico","startTime":366.518,"endTime":370.388,"body":"This is this franchise is opening up"},{"speaker":"Guiseppe Grammatico","startTime":366.518,"endTime":370.388,"body":"all over the place across the country."},{"speaker":"Guiseppe Grammatico","startTime":370.598,"endTime":371.578,"body":"I should own one."},{"speaker":"Guiseppe Grammatico","startTime":371.948,"endTime":373.608,"body":"Yeah, they're open 7 days a week."},{"speaker":"Guiseppe Grammatico","startTime":373.608,"endTime":377.058,"body":"Yeah it's very low ticket, low margin,"},{"speaker":"Guiseppe Grammatico","startTime":373.608,"endTime":377.058,"body":"but they're just, they're opening up"},{"speaker":"Guiseppe Grammatico","startTime":377.058,"endTime":380.508,"body":"all over and you start to settle and"},{"speaker":"Guiseppe Grammatico","startTime":377.058,"endTime":380.508,"body":"settle to the point where it's nowhere"},{"speaker":"Guiseppe Grammatico","startTime":380.508,"endTime":382.008,"body":"near the business you were looking at."},{"speaker":"Guiseppe Grammatico","startTime":382.068,"endTime":385.878,"body":"My role is a franchise coaching"},{"speaker":"Guiseppe Grammatico","startTime":382.068,"endTime":385.878,"body":"and consultant is to say, let"},{"speaker":"Guiseppe Grammatico","startTime":385.878,"endTime":386.918,"body":"me level the playing field."},{"speaker":"Guiseppe Grammatico","startTime":386.928,"endTime":390.518,"body":"Let me educate everyone, whether"},{"speaker":"Guiseppe Grammatico","startTime":386.928,"endTime":390.518,"body":"you have money, you don't have money"},{"speaker":"Guiseppe Grammatico","startTime":390.528,"endTime":392.008,"body":"you're in the accumulation phase."},{"speaker":"Guiseppe Grammatico","startTime":392.543,"endTime":395.693,"body":"Let's talk about what a franchise"},{"speaker":"Guiseppe Grammatico","startTime":392.543,"endTime":395.693,"body":"is, and that's a proven system."},{"speaker":"Guiseppe Grammatico","startTime":396.093,"endTime":399.193,"body":"You do get that unfair advantage,"},{"speaker":"Guiseppe Grammatico","startTime":396.093,"endTime":399.193,"body":"like you said, what's your time worth?"},{"speaker":"Guiseppe Grammatico","startTime":399.193,"endTime":403.063,"body":"So the franchisor has already figured"},{"speaker":"Guiseppe Grammatico","startTime":399.193,"endTime":403.063,"body":"out the best way of doing business."},{"speaker":"Guiseppe Grammatico","startTime":403.063,"endTime":407.623,"body":"So yes, you may pay a 20, 30,"},{"speaker":"Guiseppe Grammatico","startTime":403.063,"endTime":407.623,"body":"$50,000 franchise fee, but"},{"speaker":"Guiseppe Grammatico","startTime":407.628,"endTime":408.673,"body":"what would that have cost?"},{"speaker":"Guiseppe Grammatico","startTime":408.673,"endTime":413.023,"body":"Just an hours, blood, sweat, equity,"},{"speaker":"Guiseppe Grammatico","startTime":408.673,"endTime":413.023,"body":"figuring the systems out may, may take you"},{"speaker":"Guiseppe Grammatico","startTime":413.023,"endTime":415.093,"body":"two years to, to figure out this system."},{"speaker":"Guiseppe Grammatico","startTime":415.093,"endTime":417.073,"body":"So we really boil it down to."},{"speaker":"Guiseppe Grammatico","startTime":417.873,"endTime":419.523,"body":"What is the ideal business look like?"},{"speaker":"Guiseppe Grammatico","startTime":419.523,"endTime":421.243,"body":"So it's called reverse engineering."},{"speaker":"Guiseppe Grammatico","startTime":421.243,"endTime":424.893,"body":"It, I did a show on this about"},{"speaker":"Guiseppe Grammatico","startTime":421.243,"endTime":424.893,"body":"just about any decision you make,"},{"speaker":"Guiseppe Grammatico","startTime":425.283,"endTime":427.213,"body":"figure out what your ideal day is."},{"speaker":"Guiseppe Grammatico","startTime":427.223,"endTime":428.423,"body":"What are you doing daily?"},{"speaker":"Guiseppe Grammatico","startTime":428.793,"endTime":429.853,"body":"What's your skillset?"},{"speaker":"Guiseppe Grammatico","startTime":430.253,"endTime":432.403,"body":"Combine the skill set in an average day."},{"speaker":"Guiseppe Grammatico","startTime":432.403,"endTime":435.873,"body":"So if you love sales and you love,"},{"speaker":"Guiseppe Grammatico","startTime":432.403,"endTime":435.873,"body":"going on appointments and working"},{"speaker":"Guiseppe Grammatico","startTime":435.873,"endTime":439.143,"body":"with with the potential clients, that"},{"speaker":"Guiseppe Grammatico","startTime":435.873,"endTime":439.143,"body":"could be your role in the business."},{"speaker":"Guiseppe Grammatico","startTime":439.363,"endTime":440.393,"body":"Where are you located?"},{"speaker":"Guiseppe Grammatico","startTime":440.683,"endTime":441.633,"body":"Are you in Hawaii?"},{"speaker":"Guiseppe Grammatico","startTime":441.633,"endTime":442.783,"body":"Are you in long Island?"},{"speaker":"Guiseppe Grammatico","startTime":442.783,"endTime":443.793,"body":"Are you in New Jersey?"},{"speaker":"Guiseppe Grammatico","startTime":444.023,"endTime":447.233,"body":"Is it a physical location or"},{"speaker":"Guiseppe Grammatico","startTime":444.023,"endTime":447.233,"body":"are you working from home?"},{"speaker":"Guiseppe Grammatico","startTime":447.643,"endTime":450.183,"body":"Are there lots of employees or less?"},{"speaker":"Guiseppe Grammatico","startTime":450.193,"endTime":451.523,"body":"Are they contractors?"},{"speaker":"Guiseppe Grammatico","startTime":451.533,"endTime":452.533,"body":"Are they W two?"},{"speaker":"Guiseppe Grammatico","startTime":452.534,"endTime":453.993,"body":"And the list goes on and we really."},{"speaker":"Guiseppe Grammatico","startTime":454.348,"endTime":457.808,"body":"Figure out without naming the"},{"speaker":"Guiseppe Grammatico","startTime":454.348,"endTime":457.808,"body":"industry or looking at the specific"},{"speaker":"Guiseppe Grammatico","startTime":457.808,"endTime":459.618,"body":"franchise, the ideal business."},{"speaker":"Guiseppe Grammatico","startTime":459.658,"endTime":463.548,"body":"And once you get clear on getting"},{"speaker":"Guiseppe Grammatico","startTime":459.658,"endTime":463.548,"body":"rid of all the distraction, figuring"},{"speaker":"Guiseppe Grammatico","startTime":463.548,"endTime":467.328,"body":"out ideally what you would enjoy the"},{"speaker":"Guiseppe Grammatico","startTime":463.548,"endTime":467.328,"body":"most, because sustainability is key,"},{"speaker":"Guiseppe Grammatico","startTime":467.388,"endTime":471.208,"body":"not making money your first year, but"},{"speaker":"Guiseppe Grammatico","startTime":467.388,"endTime":471.208,"body":"making money for a long periods of time."},{"speaker":"Guiseppe Grammatico","startTime":471.658,"endTime":473.068,"body":"Once we look at that, then."},{"speaker":"Guiseppe Grammatico","startTime":473.523,"endTime":476.823,"body":"We go back to the franchise"},{"speaker":"Guiseppe Grammatico","startTime":473.523,"endTime":476.823,"body":"companies to see if there's areas"},{"speaker":"Guiseppe Grammatico","startTime":476.823,"endTime":478.613,"body":"available territory availability."},{"speaker":"Guiseppe Grammatico","startTime":478.613,"endTime":479.153,"body":"We call it."},{"speaker":"Guiseppe Grammatico","startTime":479.513,"endTime":482.633,"body":"Is the investment in line to the"},{"speaker":"Guiseppe Grammatico","startTime":479.513,"endTime":482.633,"body":"financials meet the requirements?"},{"speaker":"Guiseppe Grammatico","startTime":482.933,"endTime":484.203,"body":"It's, are there any resales?"},{"speaker":"Guiseppe Grammatico","startTime":484.203,"endTime":485.293,"body":"Because we also work at resale."},{"speaker":"Guiseppe Grammatico","startTime":485.293,"endTime":488.743,"body":"So we go back and have a conversation"},{"speaker":"Guiseppe Grammatico","startTime":485.293,"endTime":488.743,"body":"with the franchise company as well."},{"speaker":"Guiseppe Grammatico","startTime":488.743,"endTime":491.203,"body":"So really figuring out the ideal fit."},{"speaker":"Guiseppe Grammatico","startTime":491.413,"endTime":494.323,"body":"And once you do it that way, you"},{"speaker":"Guiseppe Grammatico","startTime":491.413,"endTime":494.323,"body":"can rule out 99 percent of the"},{"speaker":"Guiseppe Grammatico","startTime":494.323,"endTime":495.903,"body":"companies because in many cases."},{"speaker":"Guiseppe Grammatico","startTime":495.903,"endTime":495.963,"body":"Bye."},{"speaker":"Guiseppe Grammatico","startTime":495.964,"endTime":495.983,"body":"Bye."},{"speaker":"Guiseppe Grammatico","startTime":496.553,"endTime":497.743,"body":"The financials aren't there."},{"speaker":"Guiseppe Grammatico","startTime":497.803,"endTime":498.963,"body":"The territory sold."},{"speaker":"Guiseppe Grammatico","startTime":499.223,"endTime":503.163,"body":"You're they want more of an extrovert"},{"speaker":"Guiseppe Grammatico","startTime":499.223,"endTime":503.163,"body":"person versus an introvert and vice versa."},{"speaker":"Guiseppe Grammatico","startTime":503.483,"endTime":506.703,"body":"So we do all that in the back end"},{"speaker":"Guiseppe Grammatico","startTime":503.483,"endTime":506.703,"body":"to really help you and guide you"},{"speaker":"Guiseppe Grammatico","startTime":506.703,"endTime":510.993,"body":"throughout the way, figuring out funding,"},{"speaker":"Guiseppe Grammatico","startTime":506.703,"endTime":510.993,"body":"figuring out do you need a franchise"},{"speaker":"Guiseppe Grammatico","startTime":510.993,"endTime":512.123,"body":"attorney and that kind of thing."},{"speaker":"Average Joe Finances","startTime":512.973,"endTime":513.353,"body":"Right on."},{"speaker":"Average Joe Finances","startTime":513.353,"endTime":513.603,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":513.653,"endTime":513.933,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":513.963,"endTime":516.493,"body":"Already right off the bat some"},{"speaker":"Average Joe Finances","startTime":513.963,"endTime":516.493,"body":"great info there, Giuseppe."},{"speaker":"Average Joe Finances","startTime":516.513,"endTime":519.483,"body":"Now, with what you were talking"},{"speaker":"Average Joe Finances","startTime":516.513,"endTime":519.483,"body":"about, some of the things"},{"speaker":"Average Joe Finances","startTime":519.483,"endTime":521.053,"body":"that I'm picking out here is."},{"speaker":"Average Joe Finances","startTime":521.698,"endTime":526.128,"body":"If somebody's considering, opening"},{"speaker":"Average Joe Finances","startTime":521.698,"endTime":526.128,"body":"up a franchise, they want to start a"},{"speaker":"Average Joe Finances","startTime":526.128,"endTime":527.728,"body":"business and they want to do a franchise."},{"speaker":"Average Joe Finances","startTime":527.748,"endTime":529.108,"body":"They want to be a franchisee."},{"speaker":"Average Joe Finances","startTime":529.638,"endTime":532.968,"body":"How would that person go about"},{"speaker":"Average Joe Finances","startTime":529.638,"endTime":532.968,"body":"finding the right franchise?"},{"speaker":"Average Joe Finances","startTime":532.968,"endTime":534.158,"body":"That's the right fit."},{"speaker":"Average Joe Finances","startTime":534.613,"endTime":535.143,"body":"For them."},{"speaker":"Guiseppe Grammatico","startTime":537.793,"endTime":539.593,"body":"How"},{"speaker":"Guiseppe Grammatico","startTime":537.793,"endTime":539.593,"body":"would they go about finding?"},{"speaker":"Average Joe Finances","startTime":539.993,"endTime":540.323,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":540.353,"endTime":544.313,"body":"Like how do you know what's"},{"speaker":"Average Joe Finances","startTime":540.353,"endTime":544.313,"body":"the right franchise for you?"},{"speaker":"Guiseppe Grammatico","startTime":545.143,"endTime":548.473,"body":"And it's simply"},{"speaker":"Guiseppe Grammatico","startTime":545.143,"endTime":548.473,"body":"figuring out first off, if a franchise"},{"speaker":"Guiseppe Grammatico","startTime":548.503,"endTime":552.253,"body":"is a good fit, if you do want that"},{"speaker":"Guiseppe Grammatico","startTime":548.503,"endTime":552.253,"body":"blueprint going down that list to"},{"speaker":"Guiseppe Grammatico","startTime":552.253,"endTime":555.823,"body":"say, okay, what, how do I want this"},{"speaker":"Guiseppe Grammatico","startTime":552.253,"endTime":555.823,"body":"business to essentially be structured?"},{"speaker":"Guiseppe Grammatico","startTime":556.233,"endTime":559.483,"body":"So the problem and the"},{"speaker":"Guiseppe Grammatico","startTime":556.233,"endTime":559.483,"body":"roadblock people hit is."},{"speaker":"Guiseppe Grammatico","startTime":559.773,"endTime":561.863,"body":"I think it needs to be brick and mortar."},{"speaker":"Guiseppe Grammatico","startTime":561.863,"endTime":566.023,"body":"I think I need to have a physical location"},{"speaker":"Guiseppe Grammatico","startTime":561.863,"endTime":566.023,"body":"because I feel like that's going to"},{"speaker":"Guiseppe Grammatico","startTime":566.023,"endTime":571.013,"body":"make me more money and I'm going to just"},{"speaker":"Guiseppe Grammatico","startTime":566.023,"endTime":571.013,"body":"squash this argument once and for all."},{"speaker":"Guiseppe Grammatico","startTime":571.023,"endTime":575.423,"body":"There's no correlation whatsoever"},{"speaker":"Guiseppe Grammatico","startTime":571.023,"endTime":575.423,"body":"between a brick and mortar franchise."},{"speaker":"Guiseppe Grammatico","startTime":575.653,"endTime":578.573,"body":"Or a franchise that's a larger"},{"speaker":"Guiseppe Grammatico","startTime":575.653,"endTime":578.573,"body":"investment to your returns."},{"speaker":"Guiseppe Grammatico","startTime":578.623,"endTime":582.253,"body":"There's no correlation because you"},{"speaker":"Guiseppe Grammatico","startTime":578.623,"endTime":582.253,"body":"buy the more expensive franchise"},{"speaker":"Guiseppe Grammatico","startTime":582.473,"endTime":583.813,"body":"and you hate that business."},{"speaker":"Guiseppe Grammatico","startTime":583.833,"endTime":585.543,"body":"You hate the number of employees."},{"speaker":"Guiseppe Grammatico","startTime":585.553,"endTime":587.023,"body":"You hate everything about it."},{"speaker":"Guiseppe Grammatico","startTime":587.253,"endTime":589.793,"body":"It's going to come through"},{"speaker":"Guiseppe Grammatico","startTime":587.253,"endTime":589.793,"body":"in the way you manage and the"},{"speaker":"Guiseppe Grammatico","startTime":589.793,"endTime":590.913,"body":"way you expand the business."},{"speaker":"Guiseppe Grammatico","startTime":591.213,"endTime":593.213,"body":"And that business is"},{"speaker":"Guiseppe Grammatico","startTime":591.213,"endTime":593.213,"body":"ultimately going to suffer."},{"speaker":"Guiseppe Grammatico","startTime":593.503,"endTime":595.603,"body":"Your employees are going to"},{"speaker":"Guiseppe Grammatico","startTime":593.503,"endTime":595.603,"body":"feel it and that kind of thing."},{"speaker":"Guiseppe Grammatico","startTime":595.603,"endTime":598.443,"body":"So really, it's about figuring"},{"speaker":"Guiseppe Grammatico","startTime":595.603,"endTime":598.443,"body":"out what works for you."},{"speaker":"Guiseppe Grammatico","startTime":598.463,"endTime":599.523,"body":"If you prefer."},{"speaker":"Guiseppe Grammatico","startTime":600.163,"endTime":603.853,"body":"All things aside to work from"},{"speaker":"Guiseppe Grammatico","startTime":600.163,"endTime":603.853,"body":"home and not have that location."},{"speaker":"Guiseppe Grammatico","startTime":604.123,"endTime":604.743,"body":"There you go."},{"speaker":"Guiseppe Grammatico","startTime":604.863,"endTime":608.317,"body":"That alone is going to rule out"},{"speaker":"Guiseppe Grammatico","startTime":604.863,"endTime":608.317,"body":"a huge percentage of the Frank."},{"speaker":"Guiseppe Grammatico","startTime":608.563,"endTime":612.493,"body":"So I'll give you two examples that"},{"speaker":"Guiseppe Grammatico","startTime":608.563,"endTime":612.493,"body":"alone, working from home and a business"},{"speaker":"Guiseppe Grammatico","startTime":612.493,"endTime":617.093,"body":"that allows you to keep your job and"},{"speaker":"Guiseppe Grammatico","startTime":612.493,"endTime":617.093,"body":"have a side business, a side hustle"},{"speaker":"Guiseppe Grammatico","startTime":617.353,"endTime":621.423,"body":"where you can keep the job and then"},{"speaker":"Guiseppe Grammatico","startTime":617.353,"endTime":621.423,"body":"also run the business via certain"},{"speaker":"Guiseppe Grammatico","startTime":621.623,"endTime":626.463,"body":"support systems, such as turnkey"},{"speaker":"Guiseppe Grammatico","startTime":621.623,"endTime":626.463,"body":"marketing and an in inbound call center."},{"speaker":"Guiseppe Grammatico","startTime":627.173,"endTime":628.763,"body":"That will handle all your lead flow."},{"speaker":"Guiseppe Grammatico","startTime":629.083,"endTime":633.333,"body":"Those two just areas alone can rule"},{"speaker":"Guiseppe Grammatico","startTime":629.083,"endTime":633.333,"body":"out, I would say 80 plus percent."},{"speaker":"Guiseppe Grammatico","startTime":633.723,"endTime":636.893,"body":"Of the franchises out there, you want"},{"speaker":"Guiseppe Grammatico","startTime":633.723,"endTime":636.893,"body":"to go with the companies that are"},{"speaker":"Guiseppe Grammatico","startTime":636.893,"endTime":640.683,"body":"really strong and that can support"},{"speaker":"Guiseppe Grammatico","startTime":636.893,"endTime":640.683,"body":"you and, having a job, they may have"},{"speaker":"Guiseppe Grammatico","startTime":640.683,"endTime":642.393,"body":"to help you find a general manager."},{"speaker":"Guiseppe Grammatico","startTime":642.633,"endTime":645.773,"body":"So once you start, every, it's"},{"speaker":"Guiseppe Grammatico","startTime":642.633,"endTime":645.773,"body":"like a funnel, you start adding"},{"speaker":"Guiseppe Grammatico","startTime":646.003,"endTime":648.633,"body":"different requirements and it"},{"speaker":"Guiseppe Grammatico","startTime":646.003,"endTime":648.633,"body":"starts narrowing down the search."},{"speaker":"Guiseppe Grammatico","startTime":648.873,"endTime":650.303,"body":"And once we have the ideal."},{"speaker":"Guiseppe Grammatico","startTime":650.598,"endTime":653.338,"body":"Five, six, seven characteristics"},{"speaker":"Guiseppe Grammatico","startTime":650.598,"endTime":653.338,"body":"of that business."},{"speaker":"Guiseppe Grammatico","startTime":653.838,"endTime":656.578,"body":"Then we go back and say, okay, I"},{"speaker":"Guiseppe Grammatico","startTime":653.838,"endTime":656.578,"body":"have a short list of 10 companies"},{"speaker":"Guiseppe Grammatico","startTime":656.578,"endTime":658.068,"body":"that match that criteria."},{"speaker":"Guiseppe Grammatico","startTime":658.248,"endTime":661.628,"body":"Let's see what's available because you"},{"speaker":"Guiseppe Grammatico","startTime":658.248,"endTime":661.628,"body":"may not meet the financial requirements."},{"speaker":"Guiseppe Grammatico","startTime":661.638,"endTime":663.338,"body":"It may not be available in your market."},{"speaker":"Guiseppe Grammatico","startTime":663.558,"endTime":664.938,"body":"So we start to scale it down."},{"speaker":"Guiseppe Grammatico","startTime":664.938,"endTime":668.658,"body":"And ultimately the goal is really to"},{"speaker":"Guiseppe Grammatico","startTime":664.938,"endTime":668.658,"body":"get it down to two or three companies"},{"speaker":"Guiseppe Grammatico","startTime":668.898,"endTime":672.798,"body":"that you can spend a lot of time"},{"speaker":"Guiseppe Grammatico","startTime":668.898,"endTime":672.798,"body":"continuing the due diligence process."},{"speaker":"Average Joe Finances","startTime":674.258,"endTime":674.608,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":674.608,"endTime":675.058,"body":"Right on."},{"speaker":"Average Joe Finances","startTime":675.058,"endTime":675.238,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":675.238,"endTime":679.868,"body":"So a great way of  really whittling it"},{"speaker":"Average Joe Finances","startTime":675.238,"endTime":679.868,"body":"down to what's going to be the right fit."},{"speaker":"Average Joe Finances","startTime":680.338,"endTime":684.378,"body":"For that individual And it's good"},{"speaker":"Average Joe Finances","startTime":680.338,"endTime":684.378,"body":"to know that, if you decide to do"},{"speaker":"Average Joe Finances","startTime":684.378,"endTime":687.448,"body":"a franchise that works from home,"},{"speaker":"Average Joe Finances","startTime":684.378,"endTime":687.448,"body":"it's going to already knock out 80%."},{"speaker":"Average Joe Finances","startTime":687.458,"endTime":690.988,"body":"So that's going to be a huge number gone."},{"speaker":"Average Joe Finances","startTime":691.258,"endTime":693.278,"body":"And it's going to help you"},{"speaker":"Average Joe Finances","startTime":691.258,"endTime":693.278,"body":"like really narrow it down."},{"speaker":"Average Joe Finances","startTime":693.278,"endTime":694.488,"body":"So that's awesome."},{"speaker":"Average Joe Finances","startTime":694.498,"endTime":696.668,"body":"Now, speaking of."},{"speaker":"Average Joe Finances","startTime":697.653,"endTime":698.573,"body":"Funding, right?"},{"speaker":"Average Joe Finances","startTime":698.573,"endTime":700.973,"body":"Because you had mentioned that"},{"speaker":"Average Joe Finances","startTime":698.573,"endTime":700.973,"body":"somebody might not have the right"},{"speaker":"Average Joe Finances","startTime":701.163,"endTime":704.583,"body":"or they might not be financially"},{"speaker":"Average Joe Finances","startTime":701.163,"endTime":704.583,"body":"fit for a certain franchise."},{"speaker":"Average Joe Finances","startTime":705.523,"endTime":709.213,"body":"What if they are, but they don't"},{"speaker":"Average Joe Finances","startTime":705.523,"endTime":709.213,"body":"have the funds to start it up?"},{"speaker":"Average Joe Finances","startTime":709.213,"endTime":712.763,"body":"Like, how would somebody go"},{"speaker":"Average Joe Finances","startTime":709.213,"endTime":712.763,"body":"about funding a franchise?"},{"speaker":"Guiseppe Grammatico","startTime":714.508,"endTime":717.068,"body":"Yeah, so"},{"speaker":"Guiseppe Grammatico","startTime":714.508,"endTime":717.068,"body":"lot, lots of potential options"},{"speaker":"Guiseppe Grammatico","startTime":717.068,"endTime":718.658,"body":"depending on your circumstances."},{"speaker":"Guiseppe Grammatico","startTime":719.168,"endTime":720.788,"body":"We look at financial requirements."},{"speaker":"Guiseppe Grammatico","startTime":720.788,"endTime":724.148,"body":"We typically look at liquidity and net"},{"speaker":"Guiseppe Grammatico","startTime":720.788,"endTime":724.148,"body":"worth, and those are requirements that"},{"speaker":"Guiseppe Grammatico","startTime":724.148,"endTime":728.253,"body":"the the franchisor will list and just"},{"speaker":"Guiseppe Grammatico","startTime":724.148,"endTime":728.253,"body":"say, Hey, anyone you bring to us, we"},{"speaker":"Guiseppe Grammatico","startTime":728.253,"endTime":731.803,"body":"wanna make sure that they're hitting these"},{"speaker":"Guiseppe Grammatico","startTime":728.253,"endTime":731.803,"body":"requirements because from a liquidity"},{"speaker":"Guiseppe Grammatico","startTime":731.803,"endTime":736.483,"body":"standpoint, you need to be able to open up"},{"speaker":"Guiseppe Grammatico","startTime":731.803,"endTime":736.483,"body":"the franchise, have three months, at least"},{"speaker":"Guiseppe Grammatico","startTime":736.483,"endTime":738.488,"body":"three to six months of working capital."},{"speaker":"Guiseppe Grammatico","startTime":738.773,"endTime":742.253,"body":"Be able to pay your employees"},{"speaker":"Guiseppe Grammatico","startTime":738.773,"endTime":742.253,"body":"marketing your rent if it's"},{"speaker":"Guiseppe Grammatico","startTime":742.253,"endTime":743.613,"body":"a brick and mortar location."},{"speaker":"Guiseppe Grammatico","startTime":743.923,"endTime":747.453,"body":"So that's we want to make sure that"},{"speaker":"Guiseppe Grammatico","startTime":743.923,"endTime":747.453,"body":"there's coverage there because it may"},{"speaker":"Guiseppe Grammatico","startTime":747.453,"endTime":751.364,"body":"take a little bit longer to get open"},{"speaker":"Guiseppe Grammatico","startTime":747.453,"endTime":751.364,"body":"or, you, you hit some roadblocks."},{"speaker":"Guiseppe Grammatico","startTime":751.764,"endTime":756.464,"body":"Ultimately my recommendation is"},{"speaker":"Guiseppe Grammatico","startTime":751.764,"endTime":756.464,"body":"to contact a funding partner."},{"speaker":"Guiseppe Grammatico","startTime":756.754,"endTime":758.434,"body":"That knows a lot about franchises."},{"speaker":"Guiseppe Grammatico","startTime":758.434,"endTime":760.664,"body":"We work with a company"},{"speaker":"Guiseppe Grammatico","startTime":758.434,"endTime":760.664,"body":"by the name of Fran fund."},{"speaker":"Guiseppe Grammatico","startTime":761.044,"endTime":763.844,"body":"And what they'll do is they'll"},{"speaker":"Guiseppe Grammatico","startTime":761.044,"endTime":763.844,"body":"do a full free analysis."},{"speaker":"Guiseppe Grammatico","startTime":764.264,"endTime":767.704,"body":"And what they'll come back"},{"speaker":"Guiseppe Grammatico","startTime":764.264,"endTime":767.704,"body":"with is all your options."},{"speaker":"Guiseppe Grammatico","startTime":768.114,"endTime":771.884,"body":"The options that they offer the"},{"speaker":"Guiseppe Grammatico","startTime":768.114,"endTime":771.884,"body":"services that they offer as well"},{"speaker":"Guiseppe Grammatico","startTime":771.884,"endTime":773.084,"body":"as services they don't offer."},{"speaker":"Guiseppe Grammatico","startTime":773.084,"endTime":777.774,"body":"So to give an example that you are"},{"speaker":"Guiseppe Grammatico","startTime":773.084,"endTime":777.774,"body":"able to utilize if you qualify a"},{"speaker":"Guiseppe Grammatico","startTime":777.774,"endTime":781.574,"body":"retirement rollover, it's called a"},{"speaker":"Guiseppe Grammatico","startTime":777.774,"endTime":781.574,"body":"retirement a rollover for business"},{"speaker":"Guiseppe Grammatico","startTime":781.584,"endTime":786.134,"body":"startup, and you can use your retirement"},{"speaker":"Guiseppe Grammatico","startTime":781.584,"endTime":786.134,"body":"assets to fund it as long as that's"},{"speaker":"Guiseppe Grammatico","startTime":786.134,"endTime":787.784,"body":"coming from a previous employer."},{"speaker":"Guiseppe Grammatico","startTime":787.784,"endTime":791.359,"body":"So if you're working with your current"},{"speaker":"Guiseppe Grammatico","startTime":787.784,"endTime":791.359,"body":"employer and their plan, you that you"},{"speaker":"Guiseppe Grammatico","startTime":791.359,"endTime":794.509,"body":"would not be able to use those funds,"},{"speaker":"Guiseppe Grammatico","startTime":791.359,"endTime":794.509,"body":"but you can use a previous employer"},{"speaker":"Guiseppe Grammatico","startTime":794.509,"endTime":795.949,"body":"if you decide to leave your job."},{"speaker":"Guiseppe Grammatico","startTime":795.999,"endTime":798.199,"body":"That is one way of funding a business."},{"speaker":"Guiseppe Grammatico","startTime":798.479,"endTime":801.089,"body":"The most popular has been the SBA loans."},{"speaker":"Guiseppe Grammatico","startTime":801.484,"endTime":805.964,"body":"Where you put a percentage down and fund"},{"speaker":"Guiseppe Grammatico","startTime":801.484,"endTime":805.964,"body":"the rest that's a government back loan."},{"speaker":"Guiseppe Grammatico","startTime":806.124,"endTime":808.864,"body":"But then you get, you get"},{"speaker":"Guiseppe Grammatico","startTime":806.124,"endTime":808.864,"body":"creative and look at other ways."},{"speaker":"Guiseppe Grammatico","startTime":808.874,"endTime":811.844,"body":"So those are, services or I should"},{"speaker":"Guiseppe Grammatico","startTime":808.874,"endTime":811.844,"body":"say products that they offer,"},{"speaker":"Guiseppe Grammatico","startTime":812.134,"endTime":814.914,"body":"but then they go outside the box"},{"speaker":"Guiseppe Grammatico","startTime":812.134,"endTime":814.914,"body":"and say, okay we noticed that you"},{"speaker":"Guiseppe Grammatico","startTime":814.914,"endTime":816.304,"body":"have a ton of equity in your home."},{"speaker":"Guiseppe Grammatico","startTime":816.704,"endTime":819.554,"body":"You can get a home equity line of"},{"speaker":"Guiseppe Grammatico","startTime":816.704,"endTime":819.554,"body":"credit, very simple and straightforward."},{"speaker":"Guiseppe Grammatico","startTime":819.924,"endTime":823.844,"body":"And you would go right to your"},{"speaker":"Guiseppe Grammatico","startTime":819.924,"endTime":823.844,"body":"mortgage lender, or we can."},{"speaker":"Guiseppe Grammatico","startTime":824.574,"endTime":827.074,"body":"Move away from the home and go"},{"speaker":"Guiseppe Grammatico","startTime":824.574,"endTime":827.074,"body":"right to our investments are"},{"speaker":"Guiseppe Grammatico","startTime":827.074,"endTime":828.444,"body":"non retirement investments."},{"speaker":"Guiseppe Grammatico","startTime":828.444,"endTime":832.454,"body":"If you have an investable a taxable"},{"speaker":"Guiseppe Grammatico","startTime":828.444,"endTime":832.454,"body":"regular investment portfolio, you"},{"speaker":"Guiseppe Grammatico","startTime":832.454,"endTime":833.714,"body":"could take a loan on your money."},{"speaker":"Guiseppe Grammatico","startTime":834.134,"endTime":837.414,"body":"So if you have, securities, mutual"},{"speaker":"Guiseppe Grammatico","startTime":834.134,"endTime":837.414,"body":"funds, stocks and things like that,"},{"speaker":"Guiseppe Grammatico","startTime":837.414,"endTime":841.454,"body":"individual holdings, you can take a"},{"speaker":"Guiseppe Grammatico","startTime":837.414,"endTime":841.454,"body":"loan on your own money without selling."},{"speaker":"Guiseppe Grammatico","startTime":841.744,"endTime":843.324,"body":"The underlying security."},{"speaker":"Guiseppe Grammatico","startTime":843.654,"endTime":846.814,"body":"Another way, traditional loans,"},{"speaker":"Guiseppe Grammatico","startTime":843.654,"endTime":846.814,"body":"family loans partnerships."},{"speaker":"Guiseppe Grammatico","startTime":846.814,"endTime":850.294,"body":"We go into more detail, but I"},{"speaker":"Guiseppe Grammatico","startTime":846.814,"endTime":850.294,"body":"think the SBA loan home equity"},{"speaker":"Guiseppe Grammatico","startTime":850.294,"endTime":854.404,"body":"lines of credit in the retirement"},{"speaker":"Guiseppe Grammatico","startTime":850.294,"endTime":854.404,"body":"rollover has been the most popular."},{"speaker":"Guiseppe Grammatico","startTime":854.454,"endTime":859.424,"body":"Long story short, if I summarize there,"},{"speaker":"Guiseppe Grammatico","startTime":854.454,"endTime":859.424,"body":"there are numerous options and in the"},{"speaker":"Guiseppe Grammatico","startTime":859.424,"endTime":861.904,"body":"event, you're financially not there."},{"speaker":"Guiseppe Grammatico","startTime":862.174,"endTime":865.384,"body":"Fran fund as well as myself, we take"},{"speaker":"Guiseppe Grammatico","startTime":862.174,"endTime":865.384,"body":"a step back and say, okay, these"},{"speaker":"Guiseppe Grammatico","startTime":865.384,"endTime":867.764,"body":"are the numbers you want to aim for."},{"speaker":"Guiseppe Grammatico","startTime":867.944,"endTime":871.014,"body":"Maybe your net worth is there, but"},{"speaker":"Guiseppe Grammatico","startTime":867.944,"endTime":871.014,"body":"your liquidity is a little bit light."},{"speaker":"Guiseppe Grammatico","startTime":871.539,"endTime":874.009,"body":"Let's start maybe saving"},{"speaker":"Guiseppe Grammatico","startTime":871.539,"endTime":874.009,"body":"and talking in six months."},{"speaker":"Guiseppe Grammatico","startTime":874.009,"endTime":874.939,"body":"You're at 25."},{"speaker":"Guiseppe Grammatico","startTime":874.949,"endTime":878.219,"body":"Let's get you to, I'm making"},{"speaker":"Guiseppe Grammatico","startTime":874.949,"endTime":878.219,"body":"this number up liquidity."},{"speaker":"Guiseppe Grammatico","startTime":878.569,"endTime":881.199,"body":"Let's maybe talk in six months"},{"speaker":"Guiseppe Grammatico","startTime":878.569,"endTime":881.199,"body":"and see if you're at that level."},{"speaker":"Guiseppe Grammatico","startTime":881.219,"endTime":883.799,"body":"So they don't just say,"},{"speaker":"Guiseppe Grammatico","startTime":881.219,"endTime":883.799,"body":"Hey, we can't work with you."},{"speaker":"Guiseppe Grammatico","startTime":883.799,"endTime":886.699,"body":"They'll put together a plan"},{"speaker":"Guiseppe Grammatico","startTime":883.799,"endTime":886.699,"body":"to work with you and set you"},{"speaker":"Guiseppe Grammatico","startTime":886.699,"endTime":887.839,"body":"up to get to those numbers."},{"speaker":"Average Joe Finances","startTime":889.019,"endTime":890.269,"body":"Yeah,"},{"speaker":"Average Joe Finances","startTime":889.019,"endTime":890.269,"body":"no, that's good to know."},{"speaker":"Average Joe Finances","startTime":890.299,"endTime":894.279,"body":"And that there's so many options that"},{"speaker":"Average Joe Finances","startTime":890.299,"endTime":894.279,"body":"somebody can use to fund their franchise."},{"speaker":"Average Joe Finances","startTime":894.689,"endTime":898.619,"body":"I think what's really interesting is that,"},{"speaker":"Average Joe Finances","startTime":894.689,"endTime":898.619,"body":"the fact that you can use this retirement"},{"speaker":"Average Joe Finances","startTime":898.619,"endTime":902.999,"body":"rollover, so if you have been working"},{"speaker":"Average Joe Finances","startTime":898.619,"endTime":902.999,"body":"for a while, and you've, in contributing"},{"speaker":"Average Joe Finances","startTime":902.999,"endTime":907.689,"body":"to a 401k and IRA and things like that,"},{"speaker":"Average Joe Finances","startTime":902.999,"endTime":907.689,"body":"and you're no longer with that employer."},{"speaker":"Average Joe Finances","startTime":908.019,"endTime":911.849,"body":"And the fact that you could take"},{"speaker":"Average Joe Finances","startTime":908.019,"endTime":911.849,"body":"that and roll it into a franchise is"},{"speaker":"Average Joe Finances","startTime":911.869,"endTime":915.479,"body":"absolutely amazing because if you think"},{"speaker":"Average Joe Finances","startTime":911.869,"endTime":915.479,"body":"about the return, you're going to get."},{"speaker":"Average Joe Finances","startTime":916.164,"endTime":918.934,"body":"With starting that business, starting"},{"speaker":"Average Joe Finances","startTime":916.164,"endTime":918.934,"body":"the franchise, as long as you, you're"},{"speaker":"Average Joe Finances","startTime":918.944,"endTime":921.014,"body":"doing the right one for you, and"},{"speaker":"Average Joe Finances","startTime":918.944,"endTime":921.014,"body":"you're going to put the time and"},{"speaker":"Average Joe Finances","startTime":921.014,"endTime":924.614,"body":"effort into it, the return you would"},{"speaker":"Average Joe Finances","startTime":921.014,"endTime":924.614,"body":"get with that will far exceed what"},{"speaker":"Average Joe Finances","startTime":924.614,"endTime":926.414,"body":"you would get leaving it in the 401k."},{"speaker":"Average Joe Finances","startTime":926.774,"endTime":931.354,"body":"The fact that you can actually really"},{"speaker":"Average Joe Finances","startTime":926.774,"endTime":931.354,"body":"boost what your retirement account."},{"speaker":"Average Joe Finances","startTime":932.739,"endTime":936.379,"body":"Or, or boost the money that you're"},{"speaker":"Average Joe Finances","startTime":932.739,"endTime":936.379,"body":"going to get out of it by starting"},{"speaker":"Average Joe Finances","startTime":936.379,"endTime":937.929,"body":"your own business is pretty awesome."},{"speaker":"Average Joe Finances","startTime":938.579,"endTime":943.139,"body":"The other thing too  do you find it"},{"speaker":"Average Joe Finances","startTime":938.579,"endTime":943.139,"body":"very common or do you see it very often"},{"speaker":"Average Joe Finances","startTime":943.139,"endTime":945.649,"body":"that people will use like SBA loans?"},{"speaker":"Average Joe Finances","startTime":945.689,"endTime":946.593,"body":"Cause I've."},{"speaker":"Average Joe Finances","startTime":946.723,"endTime":950.823,"body":"Seen that a lot, but I know like when it"},{"speaker":"Average Joe Finances","startTime":946.723,"endTime":950.823,"body":"comes to SBA loans, it's a long process."},{"speaker":"Average Joe Finances","startTime":950.823,"endTime":953.943,"body":"Like it takes six months to"},{"speaker":"Average Joe Finances","startTime":950.823,"endTime":953.943,"body":"get approved for an SBA loan."},{"speaker":"Average Joe Finances","startTime":953.943,"endTime":958.613,"body":"So if someone's starting that"},{"speaker":"Average Joe Finances","startTime":953.943,"endTime":958.613,"body":"process now, or somebody wants to"},{"speaker":"Average Joe Finances","startTime":958.613,"endTime":962.763,"body":"start, they're looking into getting"},{"speaker":"Average Joe Finances","startTime":958.613,"endTime":962.763,"body":"into a franchise now how long of a"},{"speaker":"Average Joe Finances","startTime":962.763,"endTime":964.993,"body":"window would you say that you need?"},{"speaker":"Average Joe Finances","startTime":965.833,"endTime":969.823,"body":"Besides all the funding SBA loan, whether"},{"speaker":"Average Joe Finances","startTime":965.833,"endTime":969.823,"body":"or friend fund whatever it is that they"},{"speaker":"Average Joe Finances","startTime":969.823,"endTime":973.293,"body":"might be doing, what kind of window of"},{"speaker":"Average Joe Finances","startTime":969.823,"endTime":973.293,"body":"time are they looking for from the time"},{"speaker":"Average Joe Finances","startTime":973.293,"endTime":977.383,"body":"they decide, okay, this is the franchise"},{"speaker":"Average Joe Finances","startTime":973.293,"endTime":977.383,"body":"that, I've worked with Giuseppe and"},{"speaker":"Average Joe Finances","startTime":977.383,"endTime":978.433,"body":"this is the one that we came up with."},{"speaker":"Average Joe Finances","startTime":978.433,"endTime":983.263,"body":"That would be the best fit for me from"},{"speaker":"Average Joe Finances","startTime":978.433,"endTime":983.263,"body":"that decision to when you actually"},{"speaker":"Average Joe Finances","startTime":983.403,"endTime":985.133,"body":"open up and start the business."},{"speaker":"Average Joe Finances","startTime":985.713,"endTime":987.003,"body":"What kind of timeline are you looking at?"},{"speaker":"Guiseppe Grammatico","startTime":987.733,"endTime":991.223,"body":"Timeline it could"},{"speaker":"Guiseppe Grammatico","startTime":987.733,"endTime":991.223,"body":"be we've seen numbers between 2 and 3"},{"speaker":"Guiseppe Grammatico","startTime":991.223,"endTime":993.333,"body":"months with with people I've worked with."},{"speaker":"Guiseppe Grammatico","startTime":993.623,"endTime":994.513,"body":"Could it be longer?"},{"speaker":"Guiseppe Grammatico","startTime":994.513,"endTime":995.203,"body":"Absolutely."},{"speaker":"Guiseppe Grammatico","startTime":995.213,"endTime":999.063,"body":"And that variable is 1st off,"},{"speaker":"Guiseppe Grammatico","startTime":995.213,"endTime":999.063,"body":"how big is the investment?"},{"speaker":"Guiseppe Grammatico","startTime":999.323,"endTime":1002.473,"body":"But the biggest variable is if"},{"speaker":"Guiseppe Grammatico","startTime":999.323,"endTime":1002.473,"body":"there's real estate involved, they"},{"speaker":"Guiseppe Grammatico","startTime":1002.483,"endTime":1004.133,"body":"want you to have that lease in place."},{"speaker":"Guiseppe Grammatico","startTime":1004.753,"endTime":1007.693,"body":"In order to get approved, so that, that's"},{"speaker":"Guiseppe Grammatico","startTime":1004.753,"endTime":1007.693,"body":"gonna be the one when you're dealing with"},{"speaker":"Guiseppe Grammatico","startTime":1007.693,"endTime":1009.553,"body":"brick and mortar real estate locations."},{"speaker":"Guiseppe Grammatico","startTime":1009.553,"endTime":1013.703,"body":"But if it's a service business, we've"},{"speaker":"Guiseppe Grammatico","startTime":1009.553,"endTime":1013.703,"body":"seen, two months is I'd say maybe the"},{"speaker":"Guiseppe Grammatico","startTime":1013.703,"endTime":1015.313,"body":"average we've seen it's come down."},{"speaker":"Guiseppe Grammatico","startTime":1015.313,"endTime":1017.803,"body":"I'd say during Covid"},{"speaker":"Guiseppe Grammatico","startTime":1015.313,"endTime":1017.803,"body":"that number was greater."},{"speaker":"Guiseppe Grammatico","startTime":1017.803,"endTime":1019.183,"body":"I would say it was closer to three."},{"speaker":"Guiseppe Grammatico","startTime":1019.483,"endTime":1023.133,"body":"Part of it has to do with how quickly"},{"speaker":"Guiseppe Grammatico","startTime":1019.483,"endTime":1023.133,"body":"you're able to come up with the info."},{"speaker":"Guiseppe Grammatico","startTime":1023.143,"endTime":1027.243,"body":"So to answer the question this way, prior"},{"speaker":"Guiseppe Grammatico","startTime":1023.143,"endTime":1027.243,"body":"to even looking at a franchise, get your"},{"speaker":"Guiseppe Grammatico","startTime":1027.248,"endTime":1031.143,"body":"financials in order, know where your"},{"speaker":"Guiseppe Grammatico","startTime":1027.248,"endTime":1031.143,"body":"accounts are, what your balances are."},{"speaker":"Guiseppe Grammatico","startTime":1031.473,"endTime":1033.353,"body":"Big one, what your credit score is."},{"speaker":"Guiseppe Grammatico","startTime":1033.393,"endTime":1035.893,"body":"I would encourage everyone to"},{"speaker":"Guiseppe Grammatico","startTime":1033.393,"endTime":1035.893,"body":"check their credit score today."},{"speaker":"Guiseppe Grammatico","startTime":1036.223,"endTime":1040.473,"body":"If it's low typically the SBA, I"},{"speaker":"Guiseppe Grammatico","startTime":1036.223,"endTime":1040.473,"body":"believe they want I'm not, I don't"},{"speaker":"Guiseppe Grammatico","startTime":1040.473,"endTime":1044.513,"body":"know the exact, I think it's 680"},{"speaker":"Guiseppe Grammatico","startTime":1040.473,"endTime":1044.513,"body":"to 700 in that range credit score."},{"speaker":"Guiseppe Grammatico","startTime":1045.463,"endTime":1048.383,"body":"iF you have we just, we had work with"},{"speaker":"Guiseppe Grammatico","startTime":1045.463,"endTime":1048.383,"body":"someone who needed credit repair and I"},{"speaker":"Guiseppe Grammatico","startTime":1048.383,"endTime":1051.813,"body":"said, let's take care of that now, go"},{"speaker":"Guiseppe Grammatico","startTime":1048.383,"endTime":1051.813,"body":"back, find a company that can help you."},{"speaker":"Guiseppe Grammatico","startTime":1051.813,"endTime":1054.713,"body":"They, I guess they had a credit card"},{"speaker":"Guiseppe Grammatico","startTime":1051.813,"endTime":1054.713,"body":"stolen in the past, so they had to"},{"speaker":"Guiseppe Grammatico","startTime":1055.093,"endTime":1056.583,"body":"do a little bit of a credit repair."},{"speaker":"Guiseppe Grammatico","startTime":1056.583,"endTime":1057.823,"body":"That's not an overnight fix."},{"speaker":"Guiseppe Grammatico","startTime":1057.823,"endTime":1061.093,"body":"And that, that took several months"},{"speaker":"Guiseppe Grammatico","startTime":1057.823,"endTime":1061.093,"body":"to, I think it took them a 90"},{"speaker":"Guiseppe Grammatico","startTime":1061.093,"endTime":1062.693,"body":"days, if not more to get fixed."},{"speaker":"Guiseppe Grammatico","startTime":1062.693,"endTime":1065.673,"body":"So do that, do an analysis,"},{"speaker":"Guiseppe Grammatico","startTime":1062.693,"endTime":1065.673,"body":"get everything together."},{"speaker":"Guiseppe Grammatico","startTime":1066.028,"endTime":1069.498,"body":"Figure out and then take it a step"},{"speaker":"Guiseppe Grammatico","startTime":1066.028,"endTime":1069.498,"body":"further to everyone listening."},{"speaker":"Guiseppe Grammatico","startTime":1069.838,"endTime":1072.568,"body":"Even if you're not even certain"},{"speaker":"Guiseppe Grammatico","startTime":1069.838,"endTime":1072.568,"body":"about a franchise, this is good."},{"speaker":"Guiseppe Grammatico","startTime":1072.928,"endTime":1076.588,"body":"Put together what you make, what you take"},{"speaker":"Guiseppe Grammatico","startTime":1072.928,"endTime":1076.588,"body":"home, not what your salary is but what"},{"speaker":"Guiseppe Grammatico","startTime":1076.588,"endTime":1079.638,"body":"you're taking home, what's your monthly"},{"speaker":"Guiseppe Grammatico","startTime":1076.588,"endTime":1079.638,"body":"paycheck and what are your expenses?"},{"speaker":"Guiseppe Grammatico","startTime":1080.148,"endTime":1081.438,"body":"And what are you left over with?"},{"speaker":"Guiseppe Grammatico","startTime":1081.458,"endTime":1084.068,"body":"You're gonna, you're gonna have"},{"speaker":"Guiseppe Grammatico","startTime":1081.458,"endTime":1084.068,"body":"to have money aside when you start"},{"speaker":"Guiseppe Grammatico","startTime":1084.108,"endTime":1085.628,"body":"any business, franchise or not."},{"speaker":"Guiseppe Grammatico","startTime":1085.908,"endTime":1088.778,"body":"You wanna have that buffer, that"},{"speaker":"Guiseppe Grammatico","startTime":1085.908,"endTime":1088.778,"body":"cushion, that financial cushion."},{"speaker":"Guiseppe Grammatico","startTime":1089.153,"endTime":1091.193,"body":"And where can I cut back on expenses?"},{"speaker":"Guiseppe Grammatico","startTime":1091.223,"endTime":1093.093,"body":"And do I, can I cut back a little bit?"},{"speaker":"Guiseppe Grammatico","startTime":1093.123,"endTime":1095.823,"body":"I personally did when I"},{"speaker":"Guiseppe Grammatico","startTime":1093.123,"endTime":1095.823,"body":"started my first business."},{"speaker":"Guiseppe Grammatico","startTime":1095.823,"endTime":1096.673,"body":"We didn't go out to eat."},{"speaker":"Guiseppe Grammatico","startTime":1096.773,"endTime":1097.383,"body":"We ate at home."},{"speaker":"Guiseppe Grammatico","startTime":1097.393,"endTime":1100.153,"body":"I'm not telling everyone how to have"},{"speaker":"Guiseppe Grammatico","startTime":1097.393,"endTime":1100.153,"body":"to do that, but that was a way for"},{"speaker":"Guiseppe Grammatico","startTime":1100.153,"endTime":1102.163,"body":"us to lower the monthly expense."},{"speaker":"Guiseppe Grammatico","startTime":1102.173,"endTime":1106.563,"body":"So do a full analysis, see where"},{"speaker":"Guiseppe Grammatico","startTime":1102.173,"endTime":1106.563,"body":"you're at and make the fixes now before"},{"speaker":"Guiseppe Grammatico","startTime":1106.563,"endTime":1108.403,"body":"starting that, that lending process."},{"speaker":"Average Joe Finances","startTime":1109.693,"endTime":1109.883,"body":"Sure."},{"speaker":"Average Joe Finances","startTime":1109.883,"endTime":1110.213,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1110.213,"endTime":1113.443,"body":"So that's all that's great info right now."},{"speaker":"Average Joe Finances","startTime":1113.863,"endTime":1116.393,"body":"I want to ask you for."},{"speaker":"Average Joe Finances","startTime":1116.998,"endTime":1119.513,"body":"For people that are listening right"},{"speaker":"Average Joe Finances","startTime":1116.998,"endTime":1119.513,"body":"now that are like, okay, you know what?"},{"speaker":"Average Joe Finances","startTime":1120.023,"endTime":1122.813,"body":"Maybe franchising is something"},{"speaker":"Average Joe Finances","startTime":1120.023,"endTime":1122.813,"body":"I want to get into, right?"},{"speaker":"Average Joe Finances","startTime":1122.813,"endTime":1124.013,"body":"I want to start my own business."},{"speaker":"Average Joe Finances","startTime":1124.633,"endTime":1128.383,"body":"But I was more interested in"},{"speaker":"Average Joe Finances","startTime":1124.633,"endTime":1128.383,"body":"what Giuseppe said about being"},{"speaker":"Average Joe Finances","startTime":1128.383,"endTime":1130.673,"body":"semi passive or fully passive."},{"speaker":"Average Joe Finances","startTime":1131.183,"endTime":1134.583,"body":"So what does that kind of look like if"},{"speaker":"Average Joe Finances","startTime":1131.183,"endTime":1134.583,"body":"somebody is doing this as a side hustle?"},{"speaker":"Average Joe Finances","startTime":1134.583,"endTime":1137.483,"body":"I know you had mentioned that there"},{"speaker":"Average Joe Finances","startTime":1134.583,"endTime":1137.483,"body":"are companies out there that will"},{"speaker":"Average Joe Finances","startTime":1137.483,"endTime":1141.304,"body":"actually have  That will actually"},{"speaker":"Average Joe Finances","startTime":1137.483,"endTime":1141.304,"body":"run it essentially for you for a fee."},{"speaker":"Average Joe Finances","startTime":1141.694,"endTime":1145.544,"body":"But can you tell me the difference between"},{"speaker":"Average Joe Finances","startTime":1141.694,"endTime":1145.544,"body":"how somebody would run a business as"},{"speaker":"Average Joe Finances","startTime":1145.544,"endTime":1150.344,"body":"a semi passive franchise owner versus"},{"speaker":"Average Joe Finances","startTime":1145.544,"endTime":1150.344,"body":"being a fully passive franchise owner?"},{"speaker":"Guiseppe Grammatico","startTime":1150.974,"endTime":1151.364,"body":"Yes."},{"speaker":"Guiseppe Grammatico","startTime":1151.424,"endTime":1157.904,"body":"So with that more, that semi passive, very"},{"speaker":"Guiseppe Grammatico","startTime":1151.424,"endTime":1157.904,"body":"little time committed into the business."},{"speaker":"Guiseppe Grammatico","startTime":1157.954,"endTime":1161.024,"body":"I don't want to say passive because"},{"speaker":"Guiseppe Grammatico","startTime":1157.954,"endTime":1161.024,"body":"it's, there's always going to be time."},{"speaker":"Guiseppe Grammatico","startTime":1161.024,"endTime":1164.924,"body":"So I used, I use the term semi passive"},{"speaker":"Guiseppe Grammatico","startTime":1161.024,"endTime":1164.924,"body":"and really what that looks like is"},{"speaker":"Guiseppe Grammatico","startTime":1164.924,"endTime":1169.043,"body":"there's a fixed fee and your involvement"},{"speaker":"Guiseppe Grammatico","startTime":1164.924,"endTime":1169.043,"body":"essentially in the business is."},{"speaker":"Guiseppe Grammatico","startTime":1169.794,"endTime":1172.534,"body":"Two, three, four hours a week"},{"speaker":"Guiseppe Grammatico","startTime":1169.794,"endTime":1172.534,"body":"whatever that franchise is"},{"speaker":"Guiseppe Grammatico","startTime":1172.534,"endTime":1173.974,"body":"requiring each brand is different."},{"speaker":"Guiseppe Grammatico","startTime":1174.254,"endTime":1176.344,"body":"This is a, by the way,"},{"speaker":"Guiseppe Grammatico","startTime":1174.254,"endTime":1176.344,"body":"a brand new category."},{"speaker":"Guiseppe Grammatico","startTime":1176.524,"endTime":1180.714,"body":"There's a handful of brands that we work"},{"speaker":"Guiseppe Grammatico","startTime":1176.524,"endTime":1180.714,"body":"with that fall into that care category."},{"speaker":"Guiseppe Grammatico","startTime":1181.004,"endTime":1184.084,"body":"And it's not, that it's better"},{"speaker":"Guiseppe Grammatico","startTime":1181.004,"endTime":1184.084,"body":"than running a full time"},{"speaker":"Guiseppe Grammatico","startTime":1184.094,"endTime":1185.964,"body":"or semi absentee part time."},{"speaker":"Guiseppe Grammatico","startTime":1186.174,"endTime":1189.964,"body":"It's people are coming back saying, I"},{"speaker":"Guiseppe Grammatico","startTime":1186.174,"endTime":1189.964,"body":"want an option outside of wall street."},{"speaker":"Guiseppe Grammatico","startTime":1190.174,"endTime":1190.364,"body":"Yeah."},{"speaker":"Guiseppe Grammatico","startTime":1190.364,"endTime":1194.914,"body":"I have all my money invested in large cap,"},{"speaker":"Guiseppe Grammatico","startTime":1190.364,"endTime":1194.914,"body":"small cap equities and things like that."},{"speaker":"Guiseppe Grammatico","startTime":1194.914,"endTime":1195.424,"body":"But I want."},{"speaker":"Guiseppe Grammatico","startTime":1195.799,"endTime":1198.579,"body":"Something out there that I can"},{"speaker":"Guiseppe Grammatico","startTime":1195.799,"endTime":1198.579,"body":"own, there's some tax benefit."},{"speaker":"Guiseppe Grammatico","startTime":1199.134,"endTime":1203.224,"body":"I can have some say with what exactly"},{"speaker":"Guiseppe Grammatico","startTime":1199.134,"endTime":1203.224,"body":"the business does which you don't have,"},{"speaker":"Guiseppe Grammatico","startTime":1203.224,"endTime":1204.894,"body":"obviously, when you're owning securities."},{"speaker":"Guiseppe Grammatico","startTime":1205.224,"endTime":1207.094,"body":"So it was really built for that."},{"speaker":"Guiseppe Grammatico","startTime":1207.104,"endTime":1208.804,"body":"So you pay the fee."},{"speaker":"Guiseppe Grammatico","startTime":1208.804,"endTime":1210.404,"body":"There's minimal involvement."},{"speaker":"Guiseppe Grammatico","startTime":1210.434,"endTime":1212.334,"body":"You can live anywhere in"},{"speaker":"Guiseppe Grammatico","startTime":1210.434,"endTime":1212.334,"body":"the country, which is really"},{"speaker":"Guiseppe Grammatico","startTime":1212.334,"endTime":1214.684,"body":"nice and operate a franchise."},{"speaker":"Guiseppe Grammatico","startTime":1214.684,"endTime":1218.154,"body":"If you're in New Jersey, I can operate"},{"speaker":"Guiseppe Grammatico","startTime":1214.684,"endTime":1218.154,"body":"it in California and vice versa."},{"speaker":"Guiseppe Grammatico","startTime":1218.494,"endTime":1220.454,"body":"So it's really just minimal time."},{"speaker":"Guiseppe Grammatico","startTime":1220.464,"endTime":1221.764,"body":"You're still involved in the business."},{"speaker":"Guiseppe Grammatico","startTime":1221.764,"endTime":1223.524,"body":"You still own 100 percent of the business."},{"speaker":"Guiseppe Grammatico","startTime":1223.999,"endTime":1227.179,"body":"It's just that your involvement is not,"},{"speaker":"Guiseppe Grammatico","startTime":1223.999,"endTime":1227.179,"body":"you don't physically have to be present."},{"speaker":"Guiseppe Grammatico","startTime":1227.179,"endTime":1230.839,"body":"It's really a handful of zoom"},{"speaker":"Guiseppe Grammatico","startTime":1227.179,"endTime":1230.839,"body":"calls a month when you go."},{"speaker":"Guiseppe Grammatico","startTime":1230.839,"endTime":1233.209,"body":"And by the way, this"},{"speaker":"Guiseppe Grammatico","startTime":1230.839,"endTime":1233.209,"body":"is, it's a new category."},{"speaker":"Guiseppe Grammatico","startTime":1233.209,"endTime":1238.219,"body":"And there's about a handful of options"},{"speaker":"Guiseppe Grammatico","startTime":1233.209,"endTime":1238.219,"body":"out there with the semi absentee."},{"speaker":"Guiseppe Grammatico","startTime":1238.219,"endTime":1241.549,"body":"It's really putting in a full,"},{"speaker":"Guiseppe Grammatico","startTime":1238.219,"endTime":1241.549,"body":"you have a full time job or"},{"speaker":"Guiseppe Grammatico","startTime":1241.549,"endTime":1242.779,"body":"you're a full time investor."},{"speaker":"Guiseppe Grammatico","startTime":1242.789,"endTime":1245.369,"body":"And then this business is"},{"speaker":"Guiseppe Grammatico","startTime":1242.789,"endTime":1245.369,"body":"going to have a much greater."},{"speaker":"Guiseppe Grammatico","startTime":1245.684,"endTime":1248.984,"body":"Time requirements, not going to be full"},{"speaker":"Guiseppe Grammatico","startTime":1245.684,"endTime":1248.984,"body":"time where you have to leave your job so"},{"speaker":"Guiseppe Grammatico","startTime":1248.984,"endTime":1252.644,"body":"it can easily be managed nights, weekends,"},{"speaker":"Guiseppe Grammatico","startTime":1248.984,"endTime":1252.644,"body":"maybe some hours during the week."},{"speaker":"Guiseppe Grammatico","startTime":1252.934,"endTime":1256.634,"body":"And this is going to be more involvement"},{"speaker":"Guiseppe Grammatico","startTime":1252.934,"endTime":1256.634,"body":"where you hire a general manager, you're"},{"speaker":"Guiseppe Grammatico","startTime":1256.634,"endTime":1260.154,"body":"not hiring a management company through"},{"speaker":"Guiseppe Grammatico","startTime":1256.634,"endTime":1260.154,"body":"the franchise or, but that general"},{"speaker":"Guiseppe Grammatico","startTime":1260.154,"endTime":1261.764,"body":"manager is going to run the day to day."},{"speaker":"Guiseppe Grammatico","startTime":1262.064,"endTime":1266.743,"body":"And in order to find this type of"},{"speaker":"Guiseppe Grammatico","startTime":1262.064,"endTime":1266.743,"body":"business, it's really figuring out which."},{"speaker":"Guiseppe Grammatico","startTime":1266.979,"endTime":1268.719,"body":"Franchise companies will support me."},{"speaker":"Guiseppe Grammatico","startTime":1268.719,"endTime":1269.669,"body":"And what does that look like?"},{"speaker":"Guiseppe Grammatico","startTime":1269.849,"endTime":1274.339,"body":"It may be turnkey marketing where they"},{"speaker":"Guiseppe Grammatico","startTime":1269.849,"endTime":1274.339,"body":"outsource and do the marketing for you"},{"speaker":"Guiseppe Grammatico","startTime":1274.339,"endTime":1279.109,"body":"at their location And those leads go to a"},{"speaker":"Guiseppe Grammatico","startTime":1274.339,"endTime":1279.109,"body":"call center where they pick up the phone"},{"speaker":"Guiseppe Grammatico","startTime":1279.129,"endTime":1283.938,"body":"answer questions They could potentially"},{"speaker":"Guiseppe Grammatico","startTime":1279.129,"endTime":1283.938,"body":"upsell and book appointments for you So"},{"speaker":"Guiseppe Grammatico","startTime":1284.228,"endTime":1287.779,"body":"again, each brand does it a little bit"},{"speaker":"Guiseppe Grammatico","startTime":1284.228,"endTime":1287.779,"body":"different, but this will allow you not"},{"speaker":"Guiseppe Grammatico","startTime":1287.809,"endTime":1292.479,"body":"to need an office because this is all"},{"speaker":"Guiseppe Grammatico","startTime":1287.809,"endTime":1292.479,"body":"outsourced for you for a fee at the home"},{"speaker":"Guiseppe Grammatico","startTime":1292.479,"endTime":1298.209,"body":"office allowing you to Free up and manage"},{"speaker":"Guiseppe Grammatico","startTime":1292.479,"endTime":1298.209,"body":"less people run the business from home"},{"speaker":"Guiseppe Grammatico","startTime":1298.209,"endTime":1302.809,"body":"so that you can have just say a service"},{"speaker":"Guiseppe Grammatico","startTime":1298.209,"endTime":1302.809,"body":"based business running from home where"},{"speaker":"Guiseppe Grammatico","startTime":1302.809,"endTime":1307.099,"body":"your staff is going directly to just"},{"speaker":"Guiseppe Grammatico","startTime":1302.809,"endTime":1307.099,"body":"say the homeowner maybe doing a painting"},{"speaker":"Guiseppe Grammatico","startTime":1307.099,"endTime":1311.639,"body":"service, a roofing service, a dog waste"},{"speaker":"Guiseppe Grammatico","startTime":1307.099,"endTime":1311.639,"body":"removal service service and allowing you"},{"speaker":"Guiseppe Grammatico","startTime":1311.639,"endTime":1314.359,"body":"to have a very small number of employees."},{"speaker":"Guiseppe Grammatico","startTime":1314.744,"endTime":1317.744,"body":"And having that infrastructure, that"},{"speaker":"Guiseppe Grammatico","startTime":1314.744,"endTime":1317.744,"body":"support all taken care of for you."},{"speaker":"Guiseppe Grammatico","startTime":1317.744,"endTime":1321.554,"body":"So definitely more involvement, but"},{"speaker":"Guiseppe Grammatico","startTime":1317.744,"endTime":1321.554,"body":"the trick to these these businesses"},{"speaker":"Guiseppe Grammatico","startTime":1321.554,"endTime":1324.894,"body":"are finding the ones that have"},{"speaker":"Guiseppe Grammatico","startTime":1321.554,"endTime":1324.894,"body":"strong systems that will help you"},{"speaker":"Guiseppe Grammatico","startTime":1325.654,"endTime":1327.284,"body":"find and train the general manager."},{"speaker":"Guiseppe Grammatico","startTime":1327.454,"endTime":1330.804,"body":"And then the other part on you"},{"speaker":"Guiseppe Grammatico","startTime":1327.454,"endTime":1330.804,"body":"is needing to empower the general"},{"speaker":"Guiseppe Grammatico","startTime":1330.804,"endTime":1332.854,"body":"manager to make certain decisions."},{"speaker":"Guiseppe Grammatico","startTime":1333.074,"endTime":1335.074,"body":"So you don't become a"},{"speaker":"Guiseppe Grammatico","startTime":1333.074,"endTime":1335.074,"body":"bottleneck in the business."},{"speaker":"Guiseppe Grammatico","startTime":1335.399,"endTime":1336.529,"body":"That's the missing piece."},{"speaker":"Guiseppe Grammatico","startTime":1336.529,"endTime":1338.619,"body":"I see people making, they"},{"speaker":"Guiseppe Grammatico","startTime":1336.529,"endTime":1338.619,"body":"look at the franchise."},{"speaker":"Guiseppe Grammatico","startTime":1338.899,"endTime":1342.969,"body":"And then when they hire the GM, they just"},{"speaker":"Guiseppe Grammatico","startTime":1338.899,"endTime":1342.969,"body":"say, you can only make certain decisions."},{"speaker":"Guiseppe Grammatico","startTime":1343.319,"endTime":1344.849,"body":"And that was the mistake I made."},{"speaker":"Guiseppe Grammatico","startTime":1344.869,"endTime":1348.689,"body":"And I, going back, I said, I needed"},{"speaker":"Guiseppe Grammatico","startTime":1344.869,"endTime":1348.689,"body":"to empower that general manager day"},{"speaker":"Guiseppe Grammatico","startTime":1348.689,"endTime":1350.799,"body":"one, as opposed to down the road."},{"speaker":"Average Joe Finances","startTime":1350.849,"endTime":1352.129,"body":"They're not delegating enough"},{"speaker":"Average Joe Finances","startTime":1352.129,"endTime":1353.659,"body":"authority right up front."},{"speaker":"Average Joe Finances","startTime":1353.979,"endTime":1354.429,"body":"Yeah."},{"speaker":"Guiseppe Grammatico","startTime":1354.509,"endTime":1355.449,"body":"You become a bottleneck."},{"speaker":"Average Joe Finances","startTime":1355.489,"endTime":1358.339,"body":"I can understand"},{"speaker":"Average Joe Finances","startTime":1355.489,"endTime":1358.339,"body":"though, at day one, like you, you got"},{"speaker":"Average Joe Finances","startTime":1358.339,"endTime":1360.319,"body":"to build that trust and rapport first."},{"speaker":"Average Joe Finances","startTime":1360.319,"endTime":1364.869,"body":"At least in my opinion, I use so I"},{"speaker":"Average Joe Finances","startTime":1360.319,"endTime":1364.869,"body":"have a VA, that, that works for me."},{"speaker":"Average Joe Finances","startTime":1365.019,"endTime":1369.849,"body":"And she is absolutely amazing, but"},{"speaker":"Average Joe Finances","startTime":1365.019,"endTime":1369.849,"body":"it took some time before I was."},{"speaker":"Average Joe Finances","startTime":1370.094,"endTime":1374.804,"body":"Comfortable giving her certain accesses"},{"speaker":"Average Joe Finances","startTime":1370.094,"endTime":1374.804,"body":"and certain things until like we built"},{"speaker":"Average Joe Finances","startTime":1374.804,"endTime":1376.514,"body":"that relationship and built that rapport."},{"speaker":"Average Joe Finances","startTime":1376.864,"endTime":1379.104,"body":"And now she has access"},{"speaker":"Average Joe Finances","startTime":1376.864,"endTime":1379.104,"body":"to all my stuff, right?"},{"speaker":"Average Joe Finances","startTime":1379.264,"endTime":1384.394,"body":"I do my podcast and she takes it and then"},{"speaker":"Average Joe Finances","startTime":1379.264,"endTime":1384.394,"body":"my editing team will just do their thing."},{"speaker":"Average Joe Finances","startTime":1384.844,"endTime":1387.844,"body":"But that's one of those things that"},{"speaker":"Average Joe Finances","startTime":1384.844,"endTime":1387.844,"body":"took time and, she grew with me."},{"speaker":"Average Joe Finances","startTime":1388.154,"endTime":1392.714,"body":"So I could totally understand somebody"},{"speaker":"Average Joe Finances","startTime":1388.154,"endTime":1392.714,"body":"that is, Just getting into a franchise"},{"speaker":"Average Joe Finances","startTime":1392.744,"endTime":1396.884,"body":"and they hire GM and they're not"},{"speaker":"Average Joe Finances","startTime":1392.744,"endTime":1396.884,"body":"comfortable giving, giving them"},{"speaker":"Average Joe Finances","startTime":1396.904,"endTime":1398.444,"body":"all that authority right up front."},{"speaker":"Average Joe Finances","startTime":1399.014,"endTime":1403.204,"body":"But at the same time, you"},{"speaker":"Average Joe Finances","startTime":1399.014,"endTime":1403.204,"body":"hired them for that job, right?"},{"speaker":"Average Joe Finances","startTime":1403.204,"endTime":1406.104,"body":"So you already vetted them"},{"speaker":"Average Joe Finances","startTime":1403.204,"endTime":1406.104,"body":"through the interview process."},{"speaker":"Average Joe Finances","startTime":1406.524,"endTime":1411.724,"body":"So I feel like that's one of those spots"},{"speaker":"Average Joe Finances","startTime":1406.524,"endTime":1411.724,"body":"where I'm torn where it's I can see why"},{"speaker":"Average Joe Finances","startTime":1411.944,"endTime":1416.724,"body":"you should, shouldn't bottleneck them"},{"speaker":"Average Joe Finances","startTime":1411.944,"endTime":1416.724,"body":"from the start, but also I see why a lot"},{"speaker":"Average Joe Finances","startTime":1416.724,"endTime":1419.254,"body":"of people would, because I've been there."},{"speaker":"Average Joe Finances","startTime":1419.304,"endTime":1421.964,"body":"And you even said it yourself too, like"},{"speaker":"Average Joe Finances","startTime":1419.304,"endTime":1421.964,"body":"when you started yours, you had the"},{"speaker":"Average Joe Finances","startTime":1421.964,"endTime":1426.524,"body":"same experience and the same problem as"},{"speaker":"Average Joe Finances","startTime":1421.964,"endTime":1426.524,"body":"you, you bottleneck your GM right away."},{"speaker":"Average Joe Finances","startTime":1426.524,"endTime":1430.184,"body":"And, I feel like that's one of"},{"speaker":"Average Joe Finances","startTime":1426.524,"endTime":1430.184,"body":"those areas where I feel like a"},{"speaker":"Average Joe Finances","startTime":1430.184,"endTime":1433.284,"body":"lot of people are going to have a"},{"speaker":"Average Joe Finances","startTime":1430.184,"endTime":1433.284,"body":"difference of opinions when it comes"},{"speaker":"Average Joe Finances","startTime":1433.284,"endTime":1435.244,"body":"to what they should do with their GM."},{"speaker":"Guiseppe Grammatico","startTime":1435.604,"endTime":1436.524,"body":"I agree."},{"speaker":"Guiseppe Grammatico","startTime":1436.694,"endTime":1437.624,"body":"And that's one of those things."},{"speaker":"Guiseppe Grammatico","startTime":1437.624,"endTime":1439.054,"body":"It's almost like you have to list out."},{"speaker":"Guiseppe Grammatico","startTime":1439.114,"endTime":1443.714,"body":"I completely agree, by the way, you have"},{"speaker":"Guiseppe Grammatico","startTime":1439.114,"endTime":1443.714,"body":"to list out the things you eventually"},{"speaker":"Guiseppe Grammatico","startTime":1443.714,"endTime":1445.634,"body":"want them doing and start hammering away."},{"speaker":"Guiseppe Grammatico","startTime":1445.634,"endTime":1446.054,"body":"Okay."},{"speaker":"Guiseppe Grammatico","startTime":1446.154,"endTime":1449.924,"body":"Yeah, they're allowed to, for"},{"speaker":"Guiseppe Grammatico","startTime":1446.154,"endTime":1449.924,"body":"example, go minor stuff, give it"},{"speaker":"Guiseppe Grammatico","startTime":1449.974,"endTime":1451.724,"body":"allow a customer to get a credit."},{"speaker":"Guiseppe Grammatico","startTime":1452.269,"endTime":1456.669,"body":"But if in the event, it was a something"},{"speaker":"Guiseppe Grammatico","startTime":1452.269,"endTime":1456.669,"body":"legal, just say something major, obviously"},{"speaker":"Guiseppe Grammatico","startTime":1456.669,"endTime":1458.409,"body":"you don't want them to be involved."},{"speaker":"Guiseppe Grammatico","startTime":1458.429,"endTime":1461.519,"body":"So you slowly want to start"},{"speaker":"Guiseppe Grammatico","startTime":1458.429,"endTime":1461.519,"body":"delegating those tasks."},{"speaker":"Guiseppe Grammatico","startTime":1461.519,"endTime":1464.439,"body":"So maybe, yeah, to your point,"},{"speaker":"Guiseppe Grammatico","startTime":1461.519,"endTime":1464.439,"body":"not day one, maybe it's every"},{"speaker":"Guiseppe Grammatico","startTime":1464.439,"endTime":1465.749,"body":"month it's little by little."},{"speaker":"Guiseppe Grammatico","startTime":1465.749,"endTime":1466.889,"body":"So it's not all or nothing."},{"speaker":"Guiseppe Grammatico","startTime":1466.889,"endTime":1468.879,"body":"It's like, all right,"},{"speaker":"Guiseppe Grammatico","startTime":1466.889,"endTime":1468.879,"body":"these are the 20 tasks."},{"speaker":"Guiseppe Grammatico","startTime":1468.919,"endTime":1472.449,"body":"Let's do a couple a month until,"},{"speaker":"Guiseppe Grammatico","startTime":1468.919,"endTime":1472.449,"body":"we get to those 12 months, but"},{"speaker":"Guiseppe Grammatico","startTime":1472.449,"endTime":1475.809,"body":"yeah, certain decisions, those are"},{"speaker":"Guiseppe Grammatico","startTime":1472.449,"endTime":1475.809,"body":"always going to be delegated to the"},{"speaker":"Guiseppe Grammatico","startTime":1475.819,"endTime":1477.479,"body":"owner because they are high level."},{"speaker":"Guiseppe Grammatico","startTime":1477.769,"endTime":1479.359,"body":"So yes, I absolutely agree."},{"speaker":"Average Joe Finances","startTime":1479.384,"endTime":1480.124,"body":"All right awesome."},{"speaker":"Average Joe Finances","startTime":1480.134,"endTime":1482.604,"body":"Giuseppe we've talked a lot about."},{"speaker":"Average Joe Finances","startTime":1482.604,"endTime":1486.804,"body":"What somebody might be looking for"},{"speaker":"Average Joe Finances","startTime":1482.604,"endTime":1486.804,"body":"when it comes to a franchise, right?"},{"speaker":"Average Joe Finances","startTime":1486.804,"endTime":1491.834,"body":"But how does somebody know"},{"speaker":"Average Joe Finances","startTime":1486.804,"endTime":1491.834,"body":"if they themselves are a"},{"speaker":"Average Joe Finances","startTime":1491.834,"endTime":1493.794,"body":"good fit to be a franchisee?"},{"speaker":"Guiseppe Grammatico","startTime":1496.404,"endTime":1497.634,"body":"How do"},{"speaker":"Guiseppe Grammatico","startTime":1496.404,"endTime":1497.634,"body":"they know they're a good fit?"},{"speaker":"Guiseppe Grammatico","startTime":1497.674,"endTime":1502.154,"body":"So you need to number one want"},{"speaker":"Guiseppe Grammatico","startTime":1497.674,"endTime":1502.154,"body":"the business built for you."},{"speaker":"Guiseppe Grammatico","startTime":1502.794,"endTime":1506.774,"body":"A franchise is not for someone"},{"speaker":"Guiseppe Grammatico","startTime":1502.794,"endTime":1506.774,"body":"that wants to create every"},{"speaker":"Guiseppe Grammatico","startTime":1506.774,"endTime":1508.364,"body":"single thing, from the service."},{"speaker":"Guiseppe Grammatico","startTime":1508.919,"endTime":1512.669,"body":"To every workflow, to the types"},{"speaker":"Guiseppe Grammatico","startTime":1508.919,"endTime":1512.669,"body":"of vendors to, are we B two"},{"speaker":"Guiseppe Grammatico","startTime":1512.669,"endTime":1514.109,"body":"B, are we gonna be B two C?"},{"speaker":"Guiseppe Grammatico","startTime":1514.109,"endTime":1517.439,"body":"So really it's for some of that"},{"speaker":"Guiseppe Grammatico","startTime":1514.109,"endTime":1517.439,"body":"wants a system built for them."},{"speaker":"Guiseppe Grammatico","startTime":1517.909,"endTime":1522.499,"body":"Number two you need to be open to"},{"speaker":"Guiseppe Grammatico","startTime":1517.909,"endTime":1522.499,"body":"following processes, processing system."},{"speaker":"Guiseppe Grammatico","startTime":1522.509,"endTime":1525.779,"body":"The franchise companies, when they"},{"speaker":"Guiseppe Grammatico","startTime":1522.509,"endTime":1525.779,"body":"interview you, it's a two-way interview"},{"speaker":"Guiseppe Grammatico","startTime":1525.779,"endTime":1530.909,"body":"and they meet you if you can't follow the"},{"speaker":"Guiseppe Grammatico","startTime":1525.779,"endTime":1530.909,"body":"basic process of a franchise, for example."},{"speaker":"Guiseppe Grammatico","startTime":1531.309,"endTime":1536.279,"body":"Stage one is fact finding through"},{"speaker":"Guiseppe Grammatico","startTime":1531.309,"endTime":1536.279,"body":"the franchise or stage two is"},{"speaker":"Guiseppe Grammatico","startTime":1536.279,"endTime":1538.559,"body":"validation and talking with employees."},{"speaker":"Guiseppe Grammatico","startTime":1538.839,"endTime":1543.289,"body":"If day one, you just demand, I'm"},{"speaker":"Guiseppe Grammatico","startTime":1538.839,"endTime":1543.289,"body":"sorry, a franchisees day one."},{"speaker":"Guiseppe Grammatico","startTime":1543.289,"endTime":1544.529,"body":"If you just say, no, I"},{"speaker":"Guiseppe Grammatico","startTime":1543.289,"endTime":1544.529,"body":"don't want to talk to you."},{"speaker":"Guiseppe Grammatico","startTime":1544.529,"endTime":1547.829,"body":"I just want to talk to the franchisees and"},{"speaker":"Guiseppe Grammatico","startTime":1544.529,"endTime":1547.829,"body":"I want to do everything in reverse order."},{"speaker":"Guiseppe Grammatico","startTime":1548.179,"endTime":1551.999,"body":"I'd probably say you're not a good"},{"speaker":"Guiseppe Grammatico","startTime":1548.179,"endTime":1551.999,"body":"fit for for a franchise because that"},{"speaker":"Guiseppe Grammatico","startTime":1551.999,"endTime":1553.479,"body":"is literally what a franchise is."},{"speaker":"Guiseppe Grammatico","startTime":1553.479,"endTime":1554.269,"body":"It's a system."},{"speaker":"Guiseppe Grammatico","startTime":1554.579,"endTime":1559.109,"body":"It's a process if you're if you're going"},{"speaker":"Guiseppe Grammatico","startTime":1554.579,"endTime":1559.109,"body":"to bad example, but I use it all the time."},{"speaker":"Guiseppe Grammatico","startTime":1559.129,"endTime":1562.519,"body":"If you're buying a McDonald's and you"},{"speaker":"Guiseppe Grammatico","startTime":1559.129,"endTime":1562.519,"body":"want to introduce pizza to the menu,"},{"speaker":"Guiseppe Grammatico","startTime":1562.809,"endTime":1564.579,"body":"probably not a good fit for a franchise."},{"speaker":"Guiseppe Grammatico","startTime":1564.934,"endTime":1567.044,"body":"Not to say there's not any autonomy."},{"speaker":"Guiseppe Grammatico","startTime":1567.314,"endTime":1569.824,"body":"You definitely have say in"},{"speaker":"Guiseppe Grammatico","startTime":1567.314,"endTime":1569.824,"body":"the business and are okay in"},{"speaker":"Guiseppe Grammatico","startTime":1569.824,"endTime":1571.194,"body":"marketing and things like that."},{"speaker":"Guiseppe Grammatico","startTime":1571.194,"endTime":1574.914,"body":"But the purpose is not to change"},{"speaker":"Guiseppe Grammatico","startTime":1571.194,"endTime":1574.914,"body":"the McDonald's menu per se,"},{"speaker":"Guiseppe Grammatico","startTime":1574.914,"endTime":1578.034,"body":"but it's really, that process,"},{"speaker":"Guiseppe Grammatico","startTime":1574.914,"endTime":1578.034,"body":"how involved do you want to be?"},{"speaker":"Guiseppe Grammatico","startTime":1578.194,"endTime":1579.774,"body":"Who's the general manager you hire?"},{"speaker":"Guiseppe Grammatico","startTime":1579.774,"endTime":1580.514,"body":"That kind of thing."},{"speaker":"Guiseppe Grammatico","startTime":1580.514,"endTime":1581.614,"body":"So you're definitely involved."},{"speaker":"Guiseppe Grammatico","startTime":1581.844,"endTime":1584.764,"body":"You definitely have flexibility,"},{"speaker":"Guiseppe Grammatico","startTime":1581.844,"endTime":1584.764,"body":"but the process is big."},{"speaker":"Guiseppe Grammatico","startTime":1584.774,"endTime":1587.314,"body":"The process, wanting the"},{"speaker":"Guiseppe Grammatico","startTime":1584.774,"endTime":1587.314,"body":"business built for you."},{"speaker":"Guiseppe Grammatico","startTime":1587.724,"endTime":1591.664,"body":"Those are some major things to consider"},{"speaker":"Guiseppe Grammatico","startTime":1587.724,"endTime":1591.664,"body":"when looking at a franchise versus"},{"speaker":"Guiseppe Grammatico","startTime":1591.664,"endTime":1593.794,"body":"a startup or non franchise business."},{"speaker":"Average Joe Finances","startTime":1594.354,"endTime":1596.924,"body":"Oh that's great"},{"speaker":"Average Joe Finances","startTime":1594.354,"endTime":1596.924,"body":"considerations for anyone to have."},{"speaker":"Average Joe Finances","startTime":1597.214,"endTime":1599.334,"body":"And I just want to point"},{"speaker":"Average Joe Finances","startTime":1597.214,"endTime":1599.334,"body":"something else out to you."},{"speaker":"Average Joe Finances","startTime":1599.404,"endTime":1601.074,"body":"I would totally try a McPizza."},{"speaker":"Average Joe Finances","startTime":1601.954,"endTime":1602.254,"body":"Yes."},{"speaker":"Average Joe Finances","startTime":1602.464,"endTime":1602.784,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":1603.064,"endTime":1604.654,"body":"So that might not be a bad thing."},{"speaker":"Average Joe Finances","startTime":1604.654,"endTime":1605.804,"body":"I would totally go for"},{"speaker":"Guiseppe Grammatico","startTime":1605.804,"endTime":1605.874,"body":"it."},{"speaker":"Guiseppe Grammatico","startTime":1605.934,"endTime":1609.724,"body":"The 5 foot long was invented"},{"speaker":"Guiseppe Grammatico","startTime":1605.934,"endTime":1609.724,"body":"by franchisees at Subway."},{"speaker":"Guiseppe Grammatico","startTime":1609.764,"endTime":1612.254,"body":"So I don't know if a lot of people"},{"speaker":"Guiseppe Grammatico","startTime":1609.764,"endTime":1612.254,"body":"know that, but so yes, they do."},{"speaker":"Guiseppe Grammatico","startTime":1612.694,"endTime":1613.564,"body":"take feedback."},{"speaker":"Guiseppe Grammatico","startTime":1613.564,"endTime":1618.154,"body":"They do have conventions and all that,"},{"speaker":"Guiseppe Grammatico","startTime":1613.564,"endTime":1618.154,"body":"but the intention wasn't to start adding"},{"speaker":"Guiseppe Grammatico","startTime":1618.154,"endTime":1621.264,"body":"or changing the menu, but they do take"},{"speaker":"Guiseppe Grammatico","startTime":1618.154,"endTime":1621.264,"body":"feedback from the the franchisees."},{"speaker":"Guiseppe Grammatico","startTime":1621.274,"endTime":1623.694,"body":"So absolutely a great franchise"},{"speaker":"Guiseppe Grammatico","startTime":1621.274,"endTime":1623.694,"body":"company is going to listen to"},{"speaker":"Guiseppe Grammatico","startTime":1623.694,"endTime":1625.024,"body":"their franchisees for feedback."},{"speaker":"Average Joe Finances","startTime":1625.454,"endTime":1625.804,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1625.804,"endTime":1628.714,"body":"And I see a lot of subways"},{"speaker":"Average Joe Finances","startTime":1625.804,"endTime":1628.714,"body":"actually probably most or all of"},{"speaker":"Average Joe Finances","startTime":1628.714,"endTime":1630.714,"body":"them also serve pizza now too."},{"speaker":"Guiseppe Grammatico","startTime":1631.339,"endTime":1632.019,"body":"Are they really?"},{"speaker":"Guiseppe Grammatico","startTime":1632.019,"endTime":1632.659,"body":"I didn't know that."},{"speaker":"Average Joe Finances","startTime":1633.339,"endTime":1634.939,"body":"At Least"},{"speaker":"Average Joe Finances","startTime":1633.339,"endTime":1634.939,"body":"a lot of the ones I've been to"},{"speaker":"Average Joe Finances","startTime":1634.939,"endTime":1636.159,"body":"I they have it as an option."},{"speaker":"Average Joe Finances","startTime":1636.209,"endTime":1637.729,"body":"They they build it right"},{"speaker":"Average Joe Finances","startTime":1636.209,"endTime":1637.729,"body":"there in front of you."},{"speaker":"Average Joe Finances","startTime":1637.729,"endTime":1642.489,"body":"You put all the toppings on and anyway,"},{"speaker":"Average Joe Finances","startTime":1637.729,"endTime":1642.489,"body":"not gonna, we can go down a rabbit"},{"speaker":"Average Joe Finances","startTime":1642.499,"endTime":1645.239,"body":"hole, especially because I know you're"},{"speaker":"Average Joe Finances","startTime":1642.499,"endTime":1645.239,"body":"a pizza connoisseur just like me."},{"speaker":"Guiseppe Grammatico","startTime":1645.419,"endTime":1645.709,"body":"Yes."},{"speaker":"Average Joe Finances","startTime":1645.709,"endTime":1646.819,"body":"That's"},{"speaker":"Average Joe Finances","startTime":1645.709,"endTime":1646.819,"body":"totally another thing."},{"speaker":"Average Joe Finances","startTime":1646.819,"endTime":1649.539,"body":"That's an East coast thing because we"},{"speaker":"Average Joe Finances","startTime":1646.819,"endTime":1649.539,"body":"know what a good pizza tastes like."},{"speaker":"Average Joe Finances","startTime":1650.009,"endTime":1652.159,"body":"Sorry for everyone else"},{"speaker":"Average Joe Finances","startTime":1650.009,"endTime":1652.159,"body":"out there, but it's true."},{"speaker":"Average Joe Finances","startTime":1652.159,"endTime":1655.109,"body":"Best pizzas on the East"},{"speaker":"Average Joe Finances","startTime":1652.159,"endTime":1655.109,"body":"coast Northeast, right?"},{"speaker":"Average Joe Finances","startTime":1655.109,"endTime":1656.559,"body":"So New York, New Jersey."},{"speaker":"Average Joe Finances","startTime":1656.979,"endTime":1658.399,"body":"Yeah, I guess New England."},{"speaker":"Average Joe Finances","startTime":1658.549,"endTime":1658.889,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1659.289,"endTime":1659.579,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1659.579,"endTime":1661.579,"body":"They have the best pizza, but."},{"speaker":"Guiseppe Grammatico","startTime":1661.609,"endTime":1662.709,"body":"The New Haven style."},{"speaker":"Guiseppe Grammatico","startTime":1662.719,"endTime":1662.879,"body":"Yup."},{"speaker":"Average Joe Finances","startTime":1662.919,"endTime":1663.119,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1663.159,"endTime":1663.499,"body":"New Haven."},{"speaker":"Average Joe Finances","startTime":1663.509,"endTime":1663.779,"body":"I actually,"},{"speaker":"Guiseppe Grammatico","startTime":1665.629,"endTime":1666.419,"body":"I like them all."},{"speaker":"Guiseppe Grammatico","startTime":1666.419,"endTime":1667.649,"body":"So I leave it at that."},{"speaker":"Guiseppe Grammatico","startTime":1667.679,"endTime":1669.079,"body":"I don't like to start arguments as that."},{"speaker":"Guiseppe Grammatico","startTime":1669.379,"endTime":1670.789,"body":"We like them all, which I like better."},{"speaker":"Guiseppe Grammatico","startTime":1670.789,"endTime":1672.459,"body":"It's a different story,"},{"speaker":"Guiseppe Grammatico","startTime":1670.789,"endTime":1672.459,"body":"but I do eat them all."},{"speaker":"Guiseppe Grammatico","startTime":1672.469,"endTime":1674.749,"body":"So as you can tell, I've"},{"speaker":"Guiseppe Grammatico","startTime":1672.469,"endTime":1674.749,"body":"got to lose some weight."},{"speaker":"Average Joe Finances","startTime":1675.659,"endTime":1676.489,"body":"Yeah, me too."},{"speaker":"Average Joe Finances","startTime":1676.489,"endTime":1677.089,"body":"Me too, man."},{"speaker":"Average Joe Finances","startTime":1677.969,"endTime":1678.349,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":1678.639,"endTime":1680.349,"body":"We're not going to go"},{"speaker":"Average Joe Finances","startTime":1678.639,"endTime":1680.349,"body":"down that rabbit hole."},{"speaker":"Average Joe Finances","startTime":1680.359,"endTime":1682.589,"body":"Cause we could probably"},{"speaker":"Average Joe Finances","startTime":1680.359,"endTime":1682.589,"body":"talk about pizza all day."},{"speaker":"Average Joe Finances","startTime":1682.589,"endTime":1685.109,"body":"I know I could but speaking"},{"speaker":"Average Joe Finances","startTime":1682.589,"endTime":1685.109,"body":"of, I think I'm going to have"},{"speaker":"Average Joe Finances","startTime":1685.109,"endTime":1685.959,"body":"some pizza for lunch today."},{"speaker":"Average Joe Finances","startTime":1685.959,"endTime":1686.789,"body":"That sounds really great."},{"speaker":"Average Joe Finances","startTime":1687.409,"endTime":1690.469,"body":"Anywho So Giuseppe, I'd like to"},{"speaker":"Average Joe Finances","startTime":1687.409,"endTime":1690.469,"body":"transition this into something"},{"speaker":"Average Joe Finances","startTime":1690.469,"endTime":1691.969,"body":"that I call the final round."},{"speaker":"Average Joe Finances","startTime":1692.339,"endTime":1694.909,"body":"It's where I'm going to ask you the"},{"speaker":"Average Joe Finances","startTime":1692.339,"endTime":1694.909,"body":"same four questions I ask everybody"},{"speaker":"Average Joe Finances","startTime":1694.909,"endTime":1698.299,"body":"that comes on the show, and it gives"},{"speaker":"Average Joe Finances","startTime":1694.909,"endTime":1698.299,"body":"us a better idea of how you are"},{"speaker":"Average Joe Finances","startTime":1698.319,"endTime":1701.119,"body":"under a little bit of pressure which"},{"speaker":"Average Joe Finances","startTime":1698.319,"endTime":1701.119,"body":"I'm sure you're going to crush it."},{"speaker":"Average Joe Finances","startTime":1701.129,"endTime":1702.919,"body":"So if you're ready to go"},{"speaker":"Average Joe Finances","startTime":1701.129,"endTime":1702.919,"body":"we'll get this started."},{"speaker":"Guiseppe Grammatico","startTime":1703.429,"endTime":1704.389,"body":"All"},{"speaker":"Guiseppe Grammatico","startTime":1703.429,"endTime":1704.389,"body":"right, let's go for it."},{"speaker":"Average Joe Finances","startTime":1704.979,"endTime":1707.419,"body":"All right,"},{"speaker":"Average Joe Finances","startTime":1704.979,"endTime":1707.419,"body":"Giuseppe, the first question of the"},{"speaker":"Average Joe Finances","startTime":1707.419,"endTime":1712.469,"body":"final round is, what's the biggest"},{"speaker":"Average Joe Finances","startTime":1707.419,"endTime":1712.469,"body":"mistake you've ever made when it comes"},{"speaker":"Average Joe Finances","startTime":1712.469,"endTime":1716.549,"body":"to your finances, investing, real"},{"speaker":"Average Joe Finances","startTime":1712.469,"endTime":1716.549,"body":"estate, or just business in general?"},{"speaker":"Guiseppe Grammatico","startTime":1718.274,"endTime":1721.304,"body":"I would say"},{"speaker":"Guiseppe Grammatico","startTime":1718.274,"endTime":1721.304,"body":"coming from the investment world is"},{"speaker":"Guiseppe Grammatico","startTime":1721.304,"endTime":1724.024,"body":"thinking I was properly, diversified."},{"speaker":"Guiseppe Grammatico","startTime":1724.024,"endTime":1726.974,"body":"They said, don't put your eggs in"},{"speaker":"Guiseppe Grammatico","startTime":1724.024,"endTime":1726.974,"body":"all 1 basket investing in the stock"},{"speaker":"Guiseppe Grammatico","startTime":1726.974,"endTime":1728.864,"body":"market, mutual funds and stocks."},{"speaker":"Guiseppe Grammatico","startTime":1728.864,"endTime":1734.254,"body":"And As I was opened up to assets,"},{"speaker":"Guiseppe Grammatico","startTime":1728.864,"endTime":1734.254,"body":"liabilities, and true diversification"},{"speaker":"Guiseppe Grammatico","startTime":1734.744,"endTime":1738.744,"body":"talked about cash flow really opened"},{"speaker":"Guiseppe Grammatico","startTime":1734.744,"endTime":1738.744,"body":"up my eyes to owning my own business."},{"speaker":"Guiseppe Grammatico","startTime":1738.754,"endTime":1742.794,"body":"And that's where, I've created most"},{"speaker":"Guiseppe Grammatico","startTime":1738.754,"endTime":1742.794,"body":"of my wealth is owning businesses."},{"speaker":"Guiseppe Grammatico","startTime":1743.004,"endTime":1746.664,"body":"Not to say I don't invest in the stock"},{"speaker":"Guiseppe Grammatico","startTime":1743.004,"endTime":1746.664,"body":"market, which I absolutely do, but opening"},{"speaker":"Guiseppe Grammatico","startTime":1746.664,"endTime":1749.044,"body":"my eyes to, to real diversification."},{"speaker":"Guiseppe Grammatico","startTime":1749.044,"endTime":1751.414,"body":"It's, there's nothing wrong"},{"speaker":"Guiseppe Grammatico","startTime":1749.044,"endTime":1751.414,"body":"with owning real estate."},{"speaker":"Guiseppe Grammatico","startTime":1751.664,"endTime":1753.924,"body":"Investing in the stock market"},{"speaker":"Guiseppe Grammatico","startTime":1751.664,"endTime":1753.924,"body":"and owning some businesses."},{"speaker":"Guiseppe Grammatico","startTime":1754.334,"endTime":1758.074,"body":"I know we, in the financial world, we"},{"speaker":"Guiseppe Grammatico","startTime":1754.334,"endTime":1758.074,"body":"fall on the asset boxes, large cap, mid"},{"speaker":"Guiseppe Grammatico","startTime":1758.074,"endTime":1762.184,"body":"cap and growth and value and all that"},{"speaker":"Guiseppe Grammatico","startTime":1758.074,"endTime":1762.184,"body":"fun stuff, but nothing wrong with it."},{"speaker":"Guiseppe Grammatico","startTime":1762.184,"endTime":1765.664,"body":"But don't put that all in the"},{"speaker":"Guiseppe Grammatico","startTime":1762.184,"endTime":1765.664,"body":"market, invest in yourself, own"},{"speaker":"Guiseppe Grammatico","startTime":1765.664,"endTime":1767.654,"body":"a business, own some real estate."},{"speaker":"Guiseppe Grammatico","startTime":1767.934,"endTime":1771.734,"body":"That way if one area takes a hit, you"},{"speaker":"Guiseppe Grammatico","startTime":1767.934,"endTime":1771.734,"body":"have a few other areas to take care of."},{"speaker":"Average Joe Finances","startTime":1772.819,"endTime":1773.859,"body":"Yeah, no, I love that."},{"speaker":"Average Joe Finances","startTime":1773.889,"endTime":1775.649,"body":"Me personally I, that's what I do too."},{"speaker":"Average Joe Finances","startTime":1775.649,"endTime":1778.869,"body":"I invest in the stock market, I have"},{"speaker":"Average Joe Finances","startTime":1775.649,"endTime":1778.869,"body":"real estate and I have a business."},{"speaker":"Average Joe Finances","startTime":1778.879,"endTime":1782.459,"body":"So it's actually I have two businesses,"},{"speaker":"Average Joe Finances","startTime":1778.879,"endTime":1782.459,"body":"but it's, those are the kinds of things"},{"speaker":"Average Joe Finances","startTime":1782.459,"endTime":1784.399,"body":"that, that's real diversification."},{"speaker":"Average Joe Finances","startTime":1784.409,"endTime":1787.569,"body":"It's not just going into the stock"},{"speaker":"Average Joe Finances","startTime":1784.409,"endTime":1787.569,"body":"market and getting into a whole"},{"speaker":"Average Joe Finances","startTime":1787.569,"endTime":1789.209,"body":"bunch of different, funds or ETFs."},{"speaker":"Average Joe Finances","startTime":1790.289,"endTime":1794.409,"body":"Or, individual stocks it's not,"},{"speaker":"Average Joe Finances","startTime":1790.289,"endTime":1794.409,"body":"true diversification is being in"},{"speaker":"Average Joe Finances","startTime":1794.419,"endTime":1798.169,"body":"different investment, in, in general,"},{"speaker":"Average Joe Finances","startTime":1794.419,"endTime":1798.169,"body":"different investments in general."},{"speaker":"Average Joe Finances","startTime":1798.179,"endTime":1799.959,"body":"So I, I definitely appreciate that answer."},{"speaker":"Average Joe Finances","startTime":1800.469,"endTime":1800.839,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":1801.249,"endTime":1803.759,"body":"Giuseppe, the next question, you're"},{"speaker":"Average Joe Finances","startTime":1801.249,"endTime":1803.759,"body":"going to see these kind of tie into"},{"speaker":"Average Joe Finances","startTime":1803.759,"endTime":1808.359,"body":"each other is what is something that"},{"speaker":"Average Joe Finances","startTime":1803.759,"endTime":1808.359,"body":"you've learned that you wish you knew"},{"speaker":"Average Joe Finances","startTime":1808.369,"endTime":1811.669,"body":"when you first got started and we'll"},{"speaker":"Average Joe Finances","startTime":1808.369,"endTime":1811.669,"body":"say in the franchising industry."},{"speaker":"Guiseppe Grammatico","startTime":1814.179,"endTime":1817.349,"body":"So I think,"},{"speaker":"Guiseppe Grammatico","startTime":1814.179,"endTime":1817.349,"body":"my biggest weakness was I would ask"},{"speaker":"Guiseppe Grammatico","startTime":1817.399,"endTime":1821.319,"body":"too many people for their opinion"},{"speaker":"Guiseppe Grammatico","startTime":1817.399,"endTime":1821.319,"body":"and recommendations when I truly"},{"speaker":"Guiseppe Grammatico","startTime":1821.319,"endTime":1822.899,"body":"felt strongly about something."},{"speaker":"Guiseppe Grammatico","startTime":1823.309,"endTime":1827.519,"body":"And that's with running my business,"},{"speaker":"Guiseppe Grammatico","startTime":1823.309,"endTime":1827.519,"body":"when to hire a general manager, when"},{"speaker":"Guiseppe Grammatico","startTime":1827.519,"endTime":1832.709,"body":"to become a franchise, a coach and"},{"speaker":"Guiseppe Grammatico","startTime":1827.519,"endTime":1832.709,"body":"consultant, and people were very open,"},{"speaker":"Guiseppe Grammatico","startTime":1832.729,"endTime":1836.979,"body":"but I tended to ask too many people to"},{"speaker":"Guiseppe Grammatico","startTime":1832.729,"endTime":1836.979,"body":"the point where it actually, gave you"},{"speaker":"Guiseppe Grammatico","startTime":1837.369,"endTime":1839.059,"body":"offer more confusion than anything else."},{"speaker":"Guiseppe Grammatico","startTime":1839.069,"endTime":1844.709,"body":"So I would say, and I, because"},{"speaker":"Guiseppe Grammatico","startTime":1839.069,"endTime":1844.709,"body":"I was opening up to whoever was"},{"speaker":"Guiseppe Grammatico","startTime":1844.709,"endTime":1846.119,"body":"open to having a conversation."},{"speaker":"Guiseppe Grammatico","startTime":1846.119,"endTime":1849.299,"body":"So I think what I've learned and"},{"speaker":"Guiseppe Grammatico","startTime":1846.119,"endTime":1849.299,"body":"wish I knew was, trust your gut."},{"speaker":"Guiseppe Grammatico","startTime":1849.639,"endTime":1851.969,"body":"Ask for advice for people"},{"speaker":"Guiseppe Grammatico","startTime":1849.639,"endTime":1851.969,"body":"that have been there."},{"speaker":"Guiseppe Grammatico","startTime":1852.039,"endTime":1854.459,"body":"Don't ask someone that's never"},{"speaker":"Guiseppe Grammatico","startTime":1852.039,"endTime":1854.459,"body":"owned the business advice."},{"speaker":"Guiseppe Grammatico","startTime":1855.019,"endTime":1857.979,"body":"They don't mean anything harmful"},{"speaker":"Guiseppe Grammatico","startTime":1855.019,"endTime":1857.979,"body":"by the advice they give, but"},{"speaker":"Guiseppe Grammatico","startTime":1857.979,"endTime":1858.929,"body":"they've never gone through."},{"speaker":"Guiseppe Grammatico","startTime":1858.929,"endTime":1859.529,"body":"They've never."},{"speaker":"Guiseppe Grammatico","startTime":1859.884,"endTime":1863.734,"body":"Invested their life savings and not"},{"speaker":"Guiseppe Grammatico","startTime":1859.884,"endTime":1863.734,"body":"been able to get paid, it's for several"},{"speaker":"Guiseppe Grammatico","startTime":1863.734,"endTime":1865.934,"body":"months like I did in my first business."},{"speaker":"Guiseppe Grammatico","startTime":1865.934,"endTime":1869.734,"body":"So I think watch you ask advice"},{"speaker":"Guiseppe Grammatico","startTime":1865.934,"endTime":1869.734,"body":"for, and always follow your gut."},{"speaker":"Guiseppe Grammatico","startTime":1869.734,"endTime":1871.464,"body":"Don't have people talk you into things."},{"speaker":"Guiseppe Grammatico","startTime":1871.874,"endTime":1875.234,"body":"There's some some things I wish I"},{"speaker":"Guiseppe Grammatico","startTime":1871.874,"endTime":1875.234,"body":"had started sooner and, but because I"},{"speaker":"Guiseppe Grammatico","startTime":1875.234,"endTime":1879.254,"body":"took other people's advice and that's"},{"speaker":"Guiseppe Grammatico","startTime":1875.234,"endTime":1879.254,"body":"on me because I was open to asking."},{"speaker":"Guiseppe Grammatico","startTime":1879.254,"endTime":1882.594,"body":"So trust your gut and move"},{"speaker":"Guiseppe Grammatico","startTime":1879.254,"endTime":1882.594,"body":"forward and don't look back."},{"speaker":"Average Joe Finances","startTime":1883.604,"endTime":1883.814,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1883.824,"endTime":1888.394,"body":"I just have to, I appreciate that answer"},{"speaker":"Average Joe Finances","startTime":1883.824,"endTime":1888.394,"body":"because maybe it's a East coast Italian"},{"speaker":"Average Joe Finances","startTime":1888.394,"endTime":1890.074,"body":"thing, but we're so open with people."},{"speaker":"Average Joe Finances","startTime":1890.074,"endTime":1893.864,"body":"And sometimes it could be to our"},{"speaker":"Average Joe Finances","startTime":1890.074,"endTime":1893.864,"body":"own detriment where you bring"},{"speaker":"Average Joe Finances","startTime":1893.884,"endTime":1897.734,"body":"too many people in and you get"},{"speaker":"Average Joe Finances","startTime":1893.884,"endTime":1897.734,"body":"all this conflicting advice."},{"speaker":"Average Joe Finances","startTime":1897.734,"endTime":1901.474,"body":"And now you're stuck in a worse"},{"speaker":"Average Joe Finances","startTime":1897.734,"endTime":1901.474,"body":"position than you were before you"},{"speaker":"Average Joe Finances","startTime":1901.474,"endTime":1902.754,"body":"started asking those questions."},{"speaker":"Guiseppe Grammatico","startTime":1902.984,"endTime":1903.384,"body":"Agreed."},{"speaker":"Average Joe Finances","startTime":1903.384,"endTime":1905.254,"body":"They do"},{"speaker":"Average Joe Finances","startTime":1903.384,"endTime":1905.254,"body":"it there too, and they do it,"},{"speaker":"Average Joe Finances","startTime":1905.314,"endTime":1906.384,"body":"they don't mean spiritually."},{"speaker":"Guiseppe Grammatico","startTime":1906.984,"endTime":1909.304,"body":"They don't mean"},{"speaker":"Guiseppe Grammatico","startTime":1906.984,"endTime":1909.304,"body":"anything by sometimes it's to protect you."},{"speaker":"Guiseppe Grammatico","startTime":1909.304,"endTime":1911.484,"body":"Sometimes it's they've"},{"speaker":"Guiseppe Grammatico","startTime":1909.304,"endTime":1911.484,"body":"never done it before."},{"speaker":"Guiseppe Grammatico","startTime":1911.484,"endTime":1913.114,"body":"So just be careful who you."},{"speaker":"Guiseppe Grammatico","startTime":1913.464,"endTime":1915.254,"body":"Watch you ask advice from."},{"speaker":"Average Joe Finances","startTime":1915.264,"endTime":1916.714,"body":"Yeah, now that's important."},{"speaker":"Average Joe Finances","startTime":1916.724,"endTime":1920.984,"body":"Make sure the person that you're"},{"speaker":"Average Joe Finances","startTime":1916.724,"endTime":1920.984,"body":"asking advice from has had some"},{"speaker":"Average Joe Finances","startTime":1921.014,"endTime":1925.104,"body":"skin in the game in that particular"},{"speaker":"Average Joe Finances","startTime":1921.014,"endTime":1925.104,"body":"thing that you're asking them for."},{"speaker":"Average Joe Finances","startTime":1925.154,"endTime":1925.824,"body":"Okay, awesome."},{"speaker":"Average Joe Finances","startTime":1926.174,"endTime":1931.134,"body":"Giuseppe, the third question of the final"},{"speaker":"Average Joe Finances","startTime":1926.174,"endTime":1931.134,"body":"round is, do you have any tips or tricks"},{"speaker":"Average Joe Finances","startTime":1931.134,"endTime":1934.864,"body":"that you would recommend to someone"},{"speaker":"Average Joe Finances","startTime":1931.134,"endTime":1934.864,"body":"that is just getting started out today?"},{"speaker":"Average Joe Finances","startTime":1935.074,"endTime":1937.974,"body":"And we'll say somebody that's starting"},{"speaker":"Average Joe Finances","startTime":1935.074,"endTime":1937.974,"body":"out in the franchise industry."},{"speaker":"Guiseppe Grammatico","startTime":1939.194,"endTime":1939.444,"body":"Yeah."},{"speaker":"Guiseppe Grammatico","startTime":1939.444,"endTime":1942.704,"body":"So this is someone, that's, I"},{"speaker":"Guiseppe Grammatico","startTime":1939.444,"endTime":1942.704,"body":"guess maybe starting their search."},{"speaker":"Guiseppe Grammatico","startTime":1942.714,"endTime":1946.314,"body":"And I would say, get"},{"speaker":"Guiseppe Grammatico","startTime":1942.714,"endTime":1946.314,"body":"clear on what you want."},{"speaker":"Guiseppe Grammatico","startTime":1946.484,"endTime":1948.784,"body":"It's as basic as it comes."},{"speaker":"Guiseppe Grammatico","startTime":1948.784,"endTime":1950.334,"body":"And people are like, all"},{"speaker":"Guiseppe Grammatico","startTime":1948.784,"endTime":1950.334,"body":"right, what else is there?"},{"speaker":"Guiseppe Grammatico","startTime":1950.454,"endTime":1954.944,"body":"There's really, figure out what not"},{"speaker":"Guiseppe Grammatico","startTime":1950.454,"endTime":1954.944,"body":"today, but in the next five years, the"},{"speaker":"Guiseppe Grammatico","startTime":1954.944,"endTime":1956.614,"body":"next 10 years, where are you living?"},{"speaker":"Guiseppe Grammatico","startTime":1957.129,"endTime":1958.769,"body":"What kind of money are you making?"},{"speaker":"Guiseppe Grammatico","startTime":1959.199,"endTime":1961.489,"body":"Envision exactly,  where are you living?"},{"speaker":"Guiseppe Grammatico","startTime":1961.489,"endTime":1962.589,"body":"What are you doing daily?"},{"speaker":"Guiseppe Grammatico","startTime":1962.589,"endTime":1963.869,"body":"The hours you're working?"},{"speaker":"Guiseppe Grammatico","startTime":1964.149,"endTime":1966.989,"body":"I know I've manifested that over"},{"speaker":"Guiseppe Grammatico","startTime":1964.149,"endTime":1966.989,"body":"you just by thinking and writing"},{"speaker":"Guiseppe Grammatico","startTime":1966.989,"endTime":1968.299,"body":"it down and looking at it."},{"speaker":"Guiseppe Grammatico","startTime":1968.459,"endTime":1971.639,"body":"I'm not saying you stare at it and"},{"speaker":"Guiseppe Grammatico","startTime":1968.459,"endTime":1971.639,"body":"it's going to happen, but by looking"},{"speaker":"Guiseppe Grammatico","startTime":1971.639,"endTime":1973.649,"body":"at it, you start to get inspired."},{"speaker":"Guiseppe Grammatico","startTime":1973.649,"endTime":1974.659,"body":"I have my goals."},{"speaker":"Guiseppe Grammatico","startTime":1974.659,"endTime":1977.939,"body":"I have a Google document or a"},{"speaker":"Guiseppe Grammatico","startTime":1974.659,"endTime":1977.939,"body":"Google sheets, I should say."},{"speaker":"Guiseppe Grammatico","startTime":1978.189,"endTime":1980.909,"body":"And I look at that every day and"},{"speaker":"Guiseppe Grammatico","startTime":1978.189,"endTime":1980.909,"body":"it's just, there's different goals"},{"speaker":"Guiseppe Grammatico","startTime":1980.909,"endTime":1982.199,"body":"that I have that I want to attain."},{"speaker":"Guiseppe Grammatico","startTime":1982.199,"endTime":1983.969,"body":"And I Break them up into habits."},{"speaker":"Guiseppe Grammatico","startTime":1984.319,"endTime":1986.809,"body":"So get very clear on what life looks like."},{"speaker":"Guiseppe Grammatico","startTime":1986.979,"endTime":1987.949,"body":"What you enjoy doing."},{"speaker":"Guiseppe Grammatico","startTime":1987.969,"endTime":1989.199,"body":"Not the how, right?"},{"speaker":"Guiseppe Grammatico","startTime":1989.279,"endTime":1990.389,"body":"Not how you're going to get there."},{"speaker":"Guiseppe Grammatico","startTime":1990.399,"endTime":1993.239,"body":"That's where people get tripped up"},{"speaker":"Guiseppe Grammatico","startTime":1990.399,"endTime":1993.239,"body":"and end up not doing anything, but"},{"speaker":"Guiseppe Grammatico","startTime":1993.239,"endTime":1996.469,"body":"write it down and then figuring"},{"speaker":"Guiseppe Grammatico","startTime":1993.239,"endTime":1996.469,"body":"afterward not how to do it."},{"speaker":"Guiseppe Grammatico","startTime":1996.724,"endTime":2000.184,"body":"And this is something I learned from Dan"},{"speaker":"Guiseppe Grammatico","startTime":1996.724,"endTime":2000.184,"body":"Sullivan who not who not how is the book"},{"speaker":"Guiseppe Grammatico","startTime":2000.534,"endTime":2002.734,"body":"is figuring out who can help me get there."},{"speaker":"Guiseppe Grammatico","startTime":2003.014,"endTime":2008.194,"body":"The who is 10 times in many cases,"},{"speaker":"Guiseppe Grammatico","startTime":2003.014,"endTime":2008.194,"body":"10 times more more important than"},{"speaker":"Guiseppe Grammatico","startTime":2008.194,"endTime":2011.514,"body":"the how, because the who is the"},{"speaker":"Guiseppe Grammatico","startTime":2008.194,"endTime":2011.514,"body":"person that's done it before."},{"speaker":"Guiseppe Grammatico","startTime":2011.784,"endTime":2015.004,"body":"And they're going to help you expedite"},{"speaker":"Guiseppe Grammatico","startTime":2011.784,"endTime":2015.004,"body":"and say, you know what to get to."},{"speaker":"Guiseppe Grammatico","startTime":2015.739,"endTime":2019.039,"body":"This income level, this is what, these"},{"speaker":"Guiseppe Grammatico","startTime":2015.739,"endTime":2019.039,"body":"are the things you have to do, not"},{"speaker":"Guiseppe Grammatico","startTime":2019.049,"endTime":2022.989,"body":"having to figure it out on your own, but"},{"speaker":"Guiseppe Grammatico","startTime":2019.049,"endTime":2022.989,"body":"the mentors the people that we discuss"},{"speaker":"Guiseppe Grammatico","startTime":2022.989,"endTime":2026.609,"body":"and work with they'll, they're able"},{"speaker":"Guiseppe Grammatico","startTime":2022.989,"endTime":2026.609,"body":"to help you get there faster, and then"},{"speaker":"Guiseppe Grammatico","startTime":2026.609,"endTime":2028.509,"body":"they're able to open up their networks."},{"speaker":"Guiseppe Grammatico","startTime":2028.884,"endTime":2031.364,"body":"Just the network I have with you as well."},{"speaker":"Guiseppe Grammatico","startTime":2031.364,"endTime":2035.434,"body":"So I think the who, not how is big"},{"speaker":"Guiseppe Grammatico","startTime":2031.364,"endTime":2035.434,"body":"and just getting clear on that."},{"speaker":"Guiseppe Grammatico","startTime":2035.584,"endTime":2039.554,"body":"And once you have that all figured out,"},{"speaker":"Guiseppe Grammatico","startTime":2035.584,"endTime":2039.554,"body":"work with someone doesn't have to be me,"},{"speaker":"Guiseppe Grammatico","startTime":2039.554,"endTime":2043.234,"body":"but if you want to work with someone like"},{"speaker":"Guiseppe Grammatico","startTime":2039.554,"endTime":2043.234,"body":"myself, I can show you what that franchise"},{"speaker":"Guiseppe Grammatico","startTime":2043.264,"endTime":2048.404,"body":"may look like and how it will affect you"},{"speaker":"Guiseppe Grammatico","startTime":2043.264,"endTime":2048.404,"body":"that who can help you figure out what,"},{"speaker":"Guiseppe Grammatico","startTime":2048.404,"endTime":2052.834,"body":"should, estate planning per any, anything"},{"speaker":"Guiseppe Grammatico","startTime":2048.404,"endTime":2052.834,"body":"you're, you have a goal of working out,"},{"speaker":"Guiseppe Grammatico","startTime":2052.834,"endTime":2054.584,"body":"losing weight, you hire a coach, right?"},{"speaker":"Guiseppe Grammatico","startTime":2054.744,"endTime":2056.793,"body":"You could do the research odds"},{"speaker":"Guiseppe Grammatico","startTime":2054.744,"endTime":2056.793,"body":"are you're not going to do it."},{"speaker":"Guiseppe Grammatico","startTime":2056.794,"endTime":2059.574,"body":"The coach is going to really"},{"speaker":"Guiseppe Grammatico","startTime":2056.794,"endTime":2059.574,"body":"motivate you and get you going."},{"speaker":"Guiseppe Grammatico","startTime":2059.574,"endTime":2063.174,"body":"So I think having a good network of"},{"speaker":"Guiseppe Grammatico","startTime":2059.574,"endTime":2063.174,"body":"people is going to definitely save"},{"speaker":"Guiseppe Grammatico","startTime":2063.174,"endTime":2064.404,"body":"you a lot of time and a lot of money."},{"speaker":"Average Joe Finances","startTime":2066.464,"endTime":2067.164,"body":"100 percent agree."},{"speaker":"Average Joe Finances","startTime":2067.254,"endTime":2071.054,"body":"I absolutely love that because I talk"},{"speaker":"Average Joe Finances","startTime":2067.254,"endTime":2071.054,"body":"about who, not how all the time when"},{"speaker":"Average Joe Finances","startTime":2071.054,"endTime":2074.664,"body":"it comes to whatever you're doing in"},{"speaker":"Average Joe Finances","startTime":2071.054,"endTime":2074.664,"body":"life, like even down to my own podcast,"},{"speaker":"Average Joe Finances","startTime":2074.674,"endTime":2079.464,"body":"when it came to, like, when I decided"},{"speaker":"Average Joe Finances","startTime":2074.674,"endTime":2079.464,"body":"to outsource certain things, I knew"},{"speaker":"Average Joe Finances","startTime":2079.474,"endTime":2083.494,"body":"that the editing was taking up too much"},{"speaker":"Average Joe Finances","startTime":2079.474,"endTime":2083.494,"body":"time for me and I had to find the right"},{"speaker":"Average Joe Finances","startTime":2083.514,"endTime":2086.914,"body":"person or right team to edit my podcast."},{"speaker":"Average Joe Finances","startTime":2086.944,"endTime":2089.124,"body":"And that was part of that who, not how."},{"speaker":"Average Joe Finances","startTime":2089.124,"endTime":2090.634,"body":"So I absolutely love that."},{"speaker":"Average Joe Finances","startTime":2090.894,"endTime":2092.534,"body":"I feel like a lot more people."},{"speaker":"Average Joe Finances","startTime":2092.849,"endTime":2096.619,"body":"Should take a take a second look"},{"speaker":"Average Joe Finances","startTime":2092.849,"endTime":2096.619,"body":"at their business or businesses"},{"speaker":"Average Joe Finances","startTime":2097.189,"endTime":2100.889,"body":"and see if they have the right"},{"speaker":"Average Joe Finances","startTime":2097.189,"endTime":2100.889,"body":"people in the right spot, right?"},{"speaker":"Average Joe Finances","startTime":2100.889,"endTime":2105.049,"body":"Making sure that they, the tasks"},{"speaker":"Average Joe Finances","startTime":2100.889,"endTime":2105.049,"body":"that they not necessarily don't"},{"speaker":"Average Joe Finances","startTime":2105.049,"endTime":2107.989,"body":"want to do but something that"},{"speaker":"Average Joe Finances","startTime":2105.049,"endTime":2107.989,"body":"maybe you're not as good at that."},{"speaker":"Average Joe Finances","startTime":2107.989,"endTime":2110.599,"body":"Somebody else is better at let them do it."},{"speaker":"Guiseppe Grammatico","startTime":2110.989,"endTime":2111.079,"body":"Absolutely."},{"speaker":"Average Joe Finances","startTime":2111.079,"endTime":2112.719,"body":"And take"},{"speaker":"Average Joe Finances","startTime":2111.079,"endTime":2112.719,"body":"that off your plate, and do"},{"speaker":"Average Joe Finances","startTime":2112.719,"endTime":2113.729,"body":"the things that you're good at."},{"speaker":"Average Joe Finances","startTime":2113.969,"endTime":2116.849,"body":"And even sometimes the things that you're"},{"speaker":"Average Joe Finances","startTime":2113.969,"endTime":2116.849,"body":"good at, if it takes up too much of your"},{"speaker":"Average Joe Finances","startTime":2116.859,"endTime":2121.229,"body":"time, find someone else that could do it"},{"speaker":"Average Joe Finances","startTime":2116.859,"endTime":2121.229,"body":"just as good and, outsource that as well."},{"speaker":"Average Joe Finances","startTime":2121.389,"endTime":2122.599,"body":"I love outsourcing."},{"speaker":"Average Joe Finances","startTime":2122.639,"endTime":2125.629,"body":"I do it all the time, so"},{"speaker":"Average Joe Finances","startTime":2122.639,"endTime":2125.629,"body":"that's why I love that answer."},{"speaker":"Average Joe Finances","startTime":2125.639,"endTime":2125.949,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":2126.289,"endTime":2129.879,"body":"You named a very good book there,"},{"speaker":"Average Joe Finances","startTime":2126.289,"endTime":2129.879,"body":"but I'm also going to ask you"},{"speaker":"Average Joe Finances","startTime":2129.969,"endTime":2132.869,"body":"this final question in the final"},{"speaker":"Average Joe Finances","startTime":2129.969,"endTime":2132.869,"body":"round, and it's besides your own."},{"speaker":"Average Joe Finances","startTime":2133.414,"endTime":2136.574,"body":"Do you have a favorite business"},{"speaker":"Average Joe Finances","startTime":2133.414,"endTime":2136.574,"body":"investing or real estate"},{"speaker":"Average Joe Finances","startTime":2136.574,"endTime":2138.784,"body":"related book or podcast or both?"},{"speaker":"Average Joe Finances","startTime":2138.994,"endTime":2140.664,"body":"And give me something"},{"speaker":"Average Joe Finances","startTime":2138.994,"endTime":2140.664,"body":"different than who, not how."},{"speaker":"Guiseppe Grammatico","startTime":2141.624,"endTime":2144.624,"body":"There, there was"},{"speaker":"Guiseppe Grammatico","startTime":2141.624,"endTime":2144.624,"body":"an investment book and I I just, for"},{"speaker":"Guiseppe Grammatico","startTime":2144.624,"endTime":2147.684,"body":"the life of me, I cannot remember the"},{"speaker":"Guiseppe Grammatico","startTime":2144.624,"endTime":2147.684,"body":"name, so I have to pass on the investment"},{"speaker":"Guiseppe Grammatico","startTime":2147.684,"endTime":2151.564,"body":"book, but from a business standpoint,"},{"speaker":"Guiseppe Grammatico","startTime":2147.684,"endTime":2151.564,"body":"I think the book which I think I read"},{"speaker":"Guiseppe Grammatico","startTime":2151.564,"endTime":2154.914,"body":"maybe about a couple of years ago,"},{"speaker":"Guiseppe Grammatico","startTime":2151.564,"endTime":2154.914,"body":"it's called Traction by Gino Wickman."},{"speaker":"Average Joe Finances","startTime":2154.954,"endTime":2155.334,"body":"Oh, yeah."},{"speaker":"Guiseppe Grammatico","startTime":2155.754,"endTime":2157.004,"body":"And it's a great book."},{"speaker":"Guiseppe Grammatico","startTime":2157.034,"endTime":2160.904,"body":"The they teach the entrepreneurial"},{"speaker":"Guiseppe Grammatico","startTime":2157.034,"endTime":2160.904,"body":"operating system and this"},{"speaker":"Guiseppe Grammatico","startTime":2160.914,"endTime":2163.564,"body":"has been extremely powerful"},{"speaker":"Guiseppe Grammatico","startTime":2160.914,"endTime":2163.564,"body":"in the franchise community."},{"speaker":"Guiseppe Grammatico","startTime":2163.714,"endTime":2166.364,"body":"I'm working with someone, believe"},{"speaker":"Guiseppe Grammatico","startTime":2163.714,"endTime":2166.364,"body":"it or not, who's a surgeon."},{"speaker":"Guiseppe Grammatico","startTime":2166.734,"endTime":2171.234,"body":"And he found that book and he implemented"},{"speaker":"Guiseppe Grammatico","startTime":2166.734,"endTime":2171.234,"body":"that in his practice and really what it"},{"speaker":"Guiseppe Grammatico","startTime":2171.234,"endTime":2174.934,"body":"comes down to our systems in place, but"},{"speaker":"Guiseppe Grammatico","startTime":2171.234,"endTime":2174.934,"body":"balancing if you look at the spokes of"},{"speaker":"Guiseppe Grammatico","startTime":2174.934,"endTime":2179.964,"body":"a wheel and having all areas balance,"},{"speaker":"Guiseppe Grammatico","startTime":2174.934,"endTime":2179.964,"body":"like your employees, your marketing"},{"speaker":"Guiseppe Grammatico","startTime":2180.164,"endTime":2182.344,"body":"business strategy, you go down the list."},{"speaker":"Guiseppe Grammatico","startTime":2182.699,"endTime":2186.429,"body":"And making sure that you are constantly"},{"speaker":"Guiseppe Grammatico","startTime":2182.699,"endTime":2186.429,"body":"monitoring them, but not just, yeah,"},{"speaker":"Guiseppe Grammatico","startTime":2186.449,"endTime":2191.399,"body":"I'll check on it, but daily activities,"},{"speaker":"Guiseppe Grammatico","startTime":2186.449,"endTime":2191.399,"body":"KPIs put in place so that you're making"},{"speaker":"Guiseppe Grammatico","startTime":2191.399,"endTime":2195.549,"body":"sure everything is flowing because what"},{"speaker":"Guiseppe Grammatico","startTime":2191.399,"endTime":2195.549,"body":"good is this business when you have six"},{"speaker":"Guiseppe Grammatico","startTime":2195.549,"endTime":2200.859,"body":"spokes of a wheel, all five are doing"},{"speaker":"Guiseppe Grammatico","startTime":2195.549,"endTime":2200.859,"body":"really well, but you're losing employees."},{"speaker":"Guiseppe Grammatico","startTime":2200.859,"endTime":2201.979,"body":"Morale is down."},{"speaker":"Guiseppe Grammatico","startTime":2202.209,"endTime":2204.569,"body":"That's the lifeblood of many"},{"speaker":"Guiseppe Grammatico","startTime":2202.209,"endTime":2204.569,"body":"businesses is the staff."},{"speaker":"Guiseppe Grammatico","startTime":2204.699,"endTime":2207.659,"body":"So making sure the, you"},{"speaker":"Guiseppe Grammatico","startTime":2204.699,"endTime":2207.659,"body":"find the right employees."},{"speaker":"Guiseppe Grammatico","startTime":2208.404,"endTime":2211.544,"body":"That they're treated fairly, that"},{"speaker":"Guiseppe Grammatico","startTime":2208.404,"endTime":2211.544,"body":"they're motivated or compensated fairly."},{"speaker":"Guiseppe Grammatico","startTime":2211.804,"endTime":2215.804,"body":"And so that, that book has helped both"},{"speaker":"Guiseppe Grammatico","startTime":2211.804,"endTime":2215.804,"body":"franchise and non franchise businesses."},{"speaker":"Guiseppe Grammatico","startTime":2216.214,"endTime":2218.714,"body":"And I would encourage"},{"speaker":"Guiseppe Grammatico","startTime":2216.214,"endTime":2218.714,"body":"everyone to check it out."},{"speaker":"Guiseppe Grammatico","startTime":2218.944,"endTime":2221.064,"body":"Check out the entrepreneurial"},{"speaker":"Guiseppe Grammatico","startTime":2218.944,"endTime":2221.064,"body":"operating system."},{"speaker":"Guiseppe Grammatico","startTime":2221.064,"endTime":2224.634,"body":"They have some great programs in place"},{"speaker":"Guiseppe Grammatico","startTime":2221.064,"endTime":2224.634,"body":"to really help just about any business,"},{"speaker":"Guiseppe Grammatico","startTime":2224.644,"endTime":2226.399,"body":"so really a really good read overall."},{"speaker":"Average Joe Finances","startTime":2226.879,"endTime":2227.099,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":2227.099,"endTime":2227.829,"body":"Absolutely love that."},{"speaker":"Average Joe Finances","startTime":2227.829,"endTime":2231.699,"body":"It is a great follow up to who not"},{"speaker":"Average Joe Finances","startTime":2227.829,"endTime":2231.699,"body":"how, especially when it comes to"},{"speaker":"Average Joe Finances","startTime":2232.069,"endTime":2233.549,"body":"building your business the right way."},{"speaker":"Average Joe Finances","startTime":2233.559,"endTime":2236.739,"body":"Those two books are going to help"},{"speaker":"Average Joe Finances","startTime":2233.559,"endTime":2236.739,"body":"you really take it to the next level."},{"speaker":"Average Joe Finances","startTime":2236.749,"endTime":2238.859,"body":"So great recommendation."},{"speaker":"Average Joe Finances","startTime":2239.029,"endTime":2240.179,"body":"I've read traction."},{"speaker":"Average Joe Finances","startTime":2240.479,"endTime":2241.489,"body":"Amazing book."},{"speaker":"Average Joe Finances","startTime":2241.539,"endTime":2241.959,"body":"Amazing."},{"speaker":"Average Joe Finances","startTime":2242.559,"endTime":2243.089,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":2243.454,"endTime":2246.764,"body":"So Giuseppe, that is"},{"speaker":"Average Joe Finances","startTime":2243.454,"endTime":2246.764,"body":"it for the final round."},{"speaker":"Average Joe Finances","startTime":2246.794,"endTime":2250.954,"body":"Now, I do have one more question I"},{"speaker":"Average Joe Finances","startTime":2246.794,"endTime":2250.954,"body":"want to ask you, and this is the most"},{"speaker":"Average Joe Finances","startTime":2250.954,"endTime":2255.284,"body":"important question I'm going to ask"},{"speaker":"Average Joe Finances","startTime":2250.954,"endTime":2255.284,"body":"you for this entire podcast, because"},{"speaker":"Average Joe Finances","startTime":2255.294,"endTime":2258.374,"body":"the people that were listening, you"},{"speaker":"Average Joe Finances","startTime":2255.294,"endTime":2258.374,"body":"might have someone here listening"},{"speaker":"Average Joe Finances","startTime":2258.374,"endTime":2259.914,"body":"that's saying, Hey, you know what?"},{"speaker":"Average Joe Finances","startTime":2260.259,"endTime":2263.429,"body":"I think I do want to start a"},{"speaker":"Average Joe Finances","startTime":2260.259,"endTime":2263.429,"body":"franchise and I want to learn more."},{"speaker":"Average Joe Finances","startTime":2263.899,"endTime":2267.079,"body":"And I want to learn more about Giuseppe"},{"speaker":"Average Joe Finances","startTime":2263.899,"endTime":2267.079,"body":"or his services and how he can help me."},{"speaker":"Average Joe Finances","startTime":2267.289,"endTime":2270.419,"body":"Speaking of that, where can people"},{"speaker":"Average Joe Finances","startTime":2267.289,"endTime":2270.419,"body":"find more information about you?"},{"speaker":"Average Joe Finances","startTime":2270.419,"endTime":2273.469,"body":"Do you have a website, any social"},{"speaker":"Average Joe Finances","startTime":2270.419,"endTime":2273.469,"body":"media profiles people can follow?"},{"speaker":"Average Joe Finances","startTime":2273.469,"endTime":2276.639,"body":"And then also, tell us about your"},{"speaker":"Average Joe Finances","startTime":2273.469,"endTime":2276.639,"body":"book and where we can get your book."},{"speaker":"Guiseppe Grammatico","startTime":2277.199,"endTime":2277.529,"body":"Awesome."},{"speaker":"Guiseppe Grammatico","startTime":2277.529,"endTime":2278.239,"body":"I appreciate that."},{"speaker":"Guiseppe Grammatico","startTime":2278.259,"endTime":2280.159,"body":"Yeah go right to the website."},{"speaker":"Guiseppe Grammatico","startTime":2280.594,"endTime":2284.614,"body":"It's GG, my initials, the"},{"speaker":"Guiseppe Grammatico","startTime":2280.594,"endTime":2284.614,"body":"franchise guide, G U I D E."},{"speaker":"Guiseppe Grammatico","startTime":2284.614,"endTime":2286.744,"body":"So ggthefranchiseguide.com."},{"speaker":"Guiseppe Grammatico","startTime":2287.184,"endTime":2289.264,"body":"And you will have a right on there."},{"speaker":"Guiseppe Grammatico","startTime":2289.264,"endTime":2291.504,"body":"You can book a call directly with me."},{"speaker":"Guiseppe Grammatico","startTime":2291.504,"endTime":2293.034,"body":"It's on the upper right hand corner."},{"speaker":"Guiseppe Grammatico","startTime":2293.484,"endTime":2296.814,"body":"You can click on the workshop,"},{"speaker":"Guiseppe Grammatico","startTime":2293.484,"endTime":2296.814,"body":"which is a video workshop"},{"speaker":"Guiseppe Grammatico","startTime":2296.844,"endTime":2299.009,"body":"of employee versus employer."},{"speaker":"Guiseppe Grammatico","startTime":2299.819,"endTime":2302.989,"body":"And the the risks associated"},{"speaker":"Guiseppe Grammatico","startTime":2299.819,"endTime":2302.989,"body":"with being an employee and the"},{"speaker":"Guiseppe Grammatico","startTime":2302.989,"endTime":2304.799,"body":"risk with being an employer."},{"speaker":"Guiseppe Grammatico","startTime":2305.099,"endTime":2307.649,"body":"People don't really realize"},{"speaker":"Guiseppe Grammatico","startTime":2305.099,"endTime":2307.649,"body":"the difference between the two."},{"speaker":"Guiseppe Grammatico","startTime":2308.059,"endTime":2309.239,"body":"And so you can definitely check it out."},{"speaker":"Guiseppe Grammatico","startTime":2309.239,"endTime":2311.509,"body":"We also have a podcast on there as well."},{"speaker":"Guiseppe Grammatico","startTime":2311.509,"endTime":2315.319,"body":"There's 150 plus shows covering"},{"speaker":"Guiseppe Grammatico","startTime":2311.509,"endTime":2315.319,"body":"just about every topic on"},{"speaker":"Guiseppe Grammatico","startTime":2315.319,"endTime":2317.589,"body":"business ownership booking a call."},{"speaker":"Guiseppe Grammatico","startTime":2317.639,"endTime":2320.419,"body":"We set up a 20 minute"},{"speaker":"Guiseppe Grammatico","startTime":2317.639,"endTime":2320.419,"body":"call with anyone that has."},{"speaker":"Guiseppe Grammatico","startTime":2320.709,"endTime":2323.859,"body":"So anyone listening in, if you just"},{"speaker":"Guiseppe Grammatico","startTime":2320.709,"endTime":2323.859,"body":"have general questions on franchising,"},{"speaker":"Guiseppe Grammatico","startTime":2324.149,"endTime":2326.739,"body":"you don't have any savings, but"},{"speaker":"Guiseppe Grammatico","startTime":2324.149,"endTime":2326.739,"body":"you want to know where to start."},{"speaker":"Guiseppe Grammatico","startTime":2327.424,"endTime":2328.464,"body":"Feel free to book a call."},{"speaker":"Guiseppe Grammatico","startTime":2328.504,"endTime":2330.914,"body":"Our services are always"},{"speaker":"Guiseppe Grammatico","startTime":2328.504,"endTime":2330.914,"body":"a hundred percent free."},{"speaker":"Guiseppe Grammatico","startTime":2331.294,"endTime":2333.444,"body":"There's no contracts with our agreements."},{"speaker":"Guiseppe Grammatico","startTime":2333.444,"endTime":2336.584,"body":"We are paid directly from the"},{"speaker":"Guiseppe Grammatico","startTime":2333.444,"endTime":2336.584,"body":"franchise companies, like a real"},{"speaker":"Guiseppe Grammatico","startTime":2336.584,"endTime":2338.524,"body":"estate agent or an executive recruiter."},{"speaker":"Guiseppe Grammatico","startTime":2338.524,"endTime":2340.924,"body":"So there's no risk aside from 20 minutes."},{"speaker":"Guiseppe Grammatico","startTime":2340.934,"endTime":2345.204,"body":"And my guarantee to you is within 20"},{"speaker":"Guiseppe Grammatico","startTime":2340.934,"endTime":2345.204,"body":"minutes, we can figure out together"},{"speaker":"Guiseppe Grammatico","startTime":2345.244,"endTime":2349.264,"body":"if the potential for a franchise"},{"speaker":"Guiseppe Grammatico","startTime":2345.244,"endTime":2349.264,"body":"being a good fit, simple as that."},{"speaker":"Guiseppe Grammatico","startTime":2349.484,"endTime":2352.884,"body":"Our next call, we dive into"},{"speaker":"Guiseppe Grammatico","startTime":2349.484,"endTime":2352.884,"body":"more of the specifics the book."},{"speaker":"Guiseppe Grammatico","startTime":2353.429,"endTime":2357.049,"body":"Franchise freedom, which is also"},{"speaker":"Guiseppe Grammatico","startTime":2353.429,"endTime":2357.049,"body":"the name of the podcast is my"},{"speaker":"Guiseppe Grammatico","startTime":2357.049,"endTime":2361.339,"body":"exact blueprint of how I found my"},{"speaker":"Guiseppe Grammatico","startTime":2357.049,"endTime":2361.339,"body":"first two franchises back in 2007."},{"speaker":"Guiseppe Grammatico","startTime":2361.689,"endTime":2363.759,"body":"It's my gift to anyone listening in."},{"speaker":"Guiseppe Grammatico","startTime":2363.759,"endTime":2364.679,"body":"You can download it."},{"speaker":"Guiseppe Grammatico","startTime":2364.759,"endTime":2366.449,"body":"It's a 48 pages."},{"speaker":"Guiseppe Grammatico","startTime":2366.449,"endTime":2367.789,"body":"It's a 30 minute read."},{"speaker":"Guiseppe Grammatico","startTime":2367.799,"endTime":2371.869,"body":"It's the exact blueprint I used goes"},{"speaker":"Guiseppe Grammatico","startTime":2367.799,"endTime":2371.869,"body":"into specifics like the who, not how"},{"speaker":"Guiseppe Grammatico","startTime":2371.879,"endTime":2373.629,"body":"I'm building teams and things like that."},{"speaker":"Guiseppe Grammatico","startTime":2373.939,"endTime":2376.079,"body":"And then I offer my"},{"speaker":"Guiseppe Grammatico","startTime":2373.939,"endTime":2376.079,"body":"service over and beyond."},{"speaker":"Guiseppe Grammatico","startTime":2376.079,"endTime":2378.349,"body":"So if you're not ready for"},{"speaker":"Guiseppe Grammatico","startTime":2376.079,"endTime":2378.349,"body":"a chat, check out the book."},{"speaker":"Guiseppe Grammatico","startTime":2378.634,"endTime":2379.994,"body":"But we'd love to speak with you."},{"speaker":"Guiseppe Grammatico","startTime":2380.004,"endTime":2384.854,"body":"And again, even if it's a basic question,"},{"speaker":"Guiseppe Grammatico","startTime":2380.004,"endTime":2384.854,"body":"you need clarity, your timeframes in"},{"speaker":"Guiseppe Grammatico","startTime":2384.854,"endTime":2386.714,"body":"two years, feel free to give me a call."},{"speaker":"Guiseppe Grammatico","startTime":2386.724,"endTime":2388.514,"body":"Be more than happy to"},{"speaker":"Guiseppe Grammatico","startTime":2386.724,"endTime":2388.514,"body":"help out where I can."},{"speaker":"Average Joe Finances","startTime":2389.914,"endTime":2390.274,"body":"Awesome."},{"speaker":"Average Joe Finances","startTime":2390.284,"endTime":2391.274,"body":"Thank you so much for that."},{"speaker":"Average Joe Finances","startTime":2391.314,"endTime":2394.504,"body":"I'm going to make sure I have all"},{"speaker":"Average Joe Finances","startTime":2391.314,"endTime":2394.504,"body":"the links in the show notes for"},{"speaker":"Average Joe Finances","startTime":2394.504,"endTime":2396.424,"body":"our listeners to go and follow."},{"speaker":"Average Joe Finances","startTime":2396.474,"endTime":2397.944,"body":"They can copy and paste or click away."},{"speaker":"Average Joe Finances","startTime":2397.944,"endTime":2400.434,"body":"The only thing I ask is that you"},{"speaker":"Average Joe Finances","startTime":2397.944,"endTime":2400.434,"body":"please don't do it while you're"},{"speaker":"Average Joe Finances","startTime":2400.434,"endTime":2404.024,"body":"driving, but definitely go check"},{"speaker":"Average Joe Finances","startTime":2400.434,"endTime":2404.024,"body":"out Giuseppe's book, check out his"},{"speaker":"Average Joe Finances","startTime":2404.054,"endTime":2406.034,"body":"podcast, but check out his website."},{"speaker":"Average Joe Finances","startTime":2406.034,"endTime":2408.334,"body":"And if franchising is something"},{"speaker":"Average Joe Finances","startTime":2406.034,"endTime":2408.334,"body":"you're interested in, set up"},{"speaker":"Average Joe Finances","startTime":2408.334,"endTime":2409.894,"body":"a 20 minute call with him."},{"speaker":"Average Joe Finances","startTime":2410.254,"endTime":2412.324,"body":"Hey Giuseppe, this was fantastic."},{"speaker":"Average Joe Finances","startTime":2412.324,"endTime":2415.674,"body":"And to close things out, do you have"},{"speaker":"Average Joe Finances","startTime":2412.324,"endTime":2415.674,"body":"any final thoughts for our listeners?"},{"speaker":"Guiseppe Grammatico","startTime":2417.169,"endTime":2420.089,"body":"Final thoughts"},{"speaker":"Guiseppe Grammatico","startTime":2417.169,"endTime":2420.089,"body":"don't give up, get bet on yourself,"},{"speaker":"Guiseppe Grammatico","startTime":2420.149,"endTime":2424.069,"body":"don't don't get overwhelmed with the, the"},{"speaker":"Guiseppe Grammatico","startTime":2420.149,"endTime":2424.069,"body":"level of information out there with the"},{"speaker":"Guiseppe Grammatico","startTime":2424.069,"endTime":2428.609,"body":"internet, figure out, get really clear"},{"speaker":"Guiseppe Grammatico","startTime":2424.069,"endTime":2428.609,"body":"on, where you want to be bet on yourself."},{"speaker":"Guiseppe Grammatico","startTime":2428.659,"endTime":2432.029,"body":"Don't, you don't have to have tons"},{"speaker":"Guiseppe Grammatico","startTime":2428.659,"endTime":2432.029,"body":"of money to open up a business."},{"speaker":"Guiseppe Grammatico","startTime":2432.269,"endTime":2434.009,"body":"You don't need tons of education."},{"speaker":"Guiseppe Grammatico","startTime":2434.329,"endTime":2436.929,"body":"Really, figure out as I"},{"speaker":"Guiseppe Grammatico","startTime":2434.329,"endTime":2436.929,"body":"mentioned before, and I repeat"},{"speaker":"Guiseppe Grammatico","startTime":2436.929,"endTime":2438.799,"body":"myself as where you want to be."},{"speaker":"Guiseppe Grammatico","startTime":2439.169,"endTime":2443.689,"body":"And then go full force, educate, talk"},{"speaker":"Guiseppe Grammatico","startTime":2439.169,"endTime":2443.689,"body":"to great people and move forward."},{"speaker":"Guiseppe Grammatico","startTime":2443.739,"endTime":2446.059,"body":"It's a lot going on, lots of distractions."},{"speaker":"Guiseppe Grammatico","startTime":2446.059,"endTime":2448.879,"body":"We were at the point, where there's"},{"speaker":"Guiseppe Grammatico","startTime":2446.059,"endTime":2448.879,"body":"just way too much information."},{"speaker":"Guiseppe Grammatico","startTime":2448.879,"endTime":2450.099,"body":"What the heck do I do with it?"},{"speaker":"Guiseppe Grammatico","startTime":2450.499,"endTime":2452.249,"body":"Focus and talk to a few people."},{"speaker":"Guiseppe Grammatico","startTime":2452.249,"endTime":2455.499,"body":"And if you're currently not happening,"},{"speaker":"Guiseppe Grammatico","startTime":2452.249,"endTime":2455.499,"body":"happy at your job and you want change"},{"speaker":"Guiseppe Grammatico","startTime":2455.499,"endTime":2456.769,"body":"isn't going to happen automatically."},{"speaker":"Guiseppe Grammatico","startTime":2456.769,"endTime":2457.959,"body":"You're going to have to get out of your."},{"speaker":"Guiseppe Grammatico","startTime":2458.349,"endTime":2462.339,"body":"Comfort zone and really just take"},{"speaker":"Guiseppe Grammatico","startTime":2458.349,"endTime":2462.339,"body":"charge of your future and career."},{"speaker":"Guiseppe Grammatico","startTime":2462.629,"endTime":2466.329,"body":"Think of how unhappy you'll be if"},{"speaker":"Guiseppe Grammatico","startTime":2462.629,"endTime":2466.329,"body":"you stay in that current situation."},{"speaker":"Guiseppe Grammatico","startTime":2466.329,"endTime":2467.919,"body":"So I say, go for it."},{"speaker":"Guiseppe Grammatico","startTime":2467.939,"endTime":2470.569,"body":"We only live once and"},{"speaker":"Guiseppe Grammatico","startTime":2467.939,"endTime":2470.569,"body":"why not bet on yourself?"},{"speaker":"Guiseppe Grammatico","startTime":2470.579,"endTime":2472.139,"body":"So that's that's my advice."},{"speaker":"Average Joe Finances","startTime":2472.589,"endTime":2474.839,"body":"Yeah, I"},{"speaker":"Average Joe Finances","startTime":2472.589,"endTime":2474.839,"body":"absolutely love that bet on yourself."},{"speaker":"Average Joe Finances","startTime":2474.849,"endTime":2475.589,"body":"Fantastic."},{"speaker":"Average Joe Finances","startTime":2476.139,"endTime":2479.949,"body":"Giuseppe, again, thank you so much for"},{"speaker":"Average Joe Finances","startTime":2476.139,"endTime":2479.949,"body":"taking the time today to join me on"},{"speaker":"Average Joe Finances","startTime":2479.949,"endTime":2484.269,"body":"the podcast and give my listeners so"},{"speaker":"Average Joe Finances","startTime":2479.949,"endTime":2484.269,"body":"much great advice and golden nuggets."},{"speaker":"Average Joe Finances","startTime":2484.299,"endTime":2486.759,"body":"There's a lot of great things"},{"speaker":"Average Joe Finances","startTime":2484.299,"endTime":2486.759,"body":"to take away from this episode."},{"speaker":"Average Joe Finances","startTime":2487.139,"endTime":2490.644,"body":"So on behalf of all my"},{"speaker":"Average Joe Finances","startTime":2487.139,"endTime":2490.644,"body":"listeners, thank you so much."},{"speaker":"Guiseppe Grammatico","startTime":2491.164,"endTime":2491.664,"body":"Thank you, Mike."},{"speaker":"Guiseppe Grammatico","startTime":2491.664,"endTime":2492.234,"body":"It was a pleasure."},{"speaker":"Guiseppe Grammatico","startTime":2492.234,"endTime":2492.914,"body":"Thanks for having me."},{"speaker":"Average Joe Finances","startTime":2493.184,"endTime":2493.784,"body":"Absolutely."},{"speaker":"Average Joe Finances","startTime":2493.784,"endTime":2496.934,"body":"And Hey, I also want to thank all of"},{"speaker":"Average Joe Finances","startTime":2493.784,"endTime":2496.934,"body":"my listeners for joining me and our"},{"speaker":"Average Joe Finances","startTime":2496.934,"endTime":2501.434,"body":"special guest Giuseppe Grammatico"},{"speaker":"Average Joe Finances","startTime":2496.934,"endTime":2501.434,"body":"on the Average GeoFinances podcast."},{"speaker":"Average Joe Finances","startTime":2502.374,"endTime":2504.594,"body":"Go leave us a five star review"},{"speaker":"Average Joe Finances","startTime":2502.374,"endTime":2504.594,"body":"and tell us what you liked about"},{"speaker":"Average Joe Finances","startTime":2504.594,"endTime":2506.574,"body":"today's episode with Giuseppe."},{"speaker":"Average Joe Finances","startTime":2506.904,"endTime":2509.434,"body":"Aloha from Hawaii and have"},{"speaker":"Average Joe Finances","startTime":2506.904,"endTime":2509.434,"body":"a great rest of your day."}]}