{"version":"1.0.0","segments":[{"speaker":"Average Joe Finances","startTime":1.18,"endTime":3.62,"body":"Hey, welcome back"},{"speaker":"Average Joe Finances","startTime":1.18,"endTime":3.62,"body":"to the Average Joe Finances Podcast."},{"speaker":"Average Joe Finances","startTime":3.65,"endTime":7.64,"body":"I'm your host, Mike Cavaggioni,"},{"speaker":"Average Joe Finances","startTime":3.65,"endTime":7.64,"body":"and today's guest is Walli Miller."},{"speaker":"Average Joe Finances","startTime":7.64,"endTime":10.14,"body":"So Walli, I am super excited"},{"speaker":"Average Joe Finances","startTime":7.64,"endTime":10.14,"body":"to have you on the show."},{"speaker":"Average Joe Finances","startTime":10.15,"endTime":14.13,"body":"We had a great conversation"},{"speaker":"Average Joe Finances","startTime":10.15,"endTime":14.13,"body":"pre recording, and I'm super"},{"speaker":"Average Joe Finances","startTime":14.13,"endTime":15.78,"body":"excited to continue that on here."},{"speaker":"Average Joe Finances","startTime":15.78,"endTime":16.47,"body":"So welcome."},{"speaker":"Walli Miller","startTime":17.2,"endTime":18.9,"body":"We finally had"},{"speaker":"Walli Miller","startTime":17.2,"endTime":18.9,"body":"to hit the record button."},{"speaker":"Walli Miller","startTime":18.9,"endTime":19.28,"body":"Yes."},{"speaker":"Walli Miller","startTime":19.32,"endTime":20.96,"body":"I'm so excited to be here, Mike."},{"speaker":"Walli Miller","startTime":20.96,"endTime":21.92,"body":"Thank you for having me."},{"speaker":"Walli Miller","startTime":21.92,"endTime":24.61,"body":"I think it's going to be a really great"},{"speaker":"Walli Miller","startTime":21.92,"endTime":24.61,"body":"conversation, a little bit different"},{"speaker":"Walli Miller","startTime":24.61,"endTime":29.26,"body":"than probably what some of your listeners"},{"speaker":"Walli Miller","startTime":24.61,"endTime":29.26,"body":"are used to, but I think it's definitely"},{"speaker":"Walli Miller","startTime":29.31,"endTime":30.91,"body":"falls in line with what they want."},{"speaker":"Average Joe Finances","startTime":31.5,"endTime":32.85,"body":"Yeah, it does."},{"speaker":"Average Joe Finances","startTime":32.89,"endTime":35.74,"body":"But, and at the same time, it"},{"speaker":"Average Joe Finances","startTime":32.89,"endTime":35.74,"body":"will be a little bit different"},{"speaker":"Average Joe Finances","startTime":35.74,"endTime":36.96,"body":"and that's what I'm excited about."},{"speaker":"Average Joe Finances","startTime":37.29,"endTime":40.9,"body":"So to start that off, let's"},{"speaker":"Average Joe Finances","startTime":37.29,"endTime":40.9,"body":"go ahead and introduce you."},{"speaker":"Average Joe Finances","startTime":40.9,"endTime":43.41,"body":"So if you could just share a little"},{"speaker":"Average Joe Finances","startTime":40.9,"endTime":43.41,"body":"bit about yourself, share your story."},{"speaker":"Average Joe Finances","startTime":43.84,"endTime":46.78,"body":"Tell my listeners who is Walli Miller."},{"speaker":"Walli Miller","startTime":47.93,"endTime":50.12,"body":"Yeah once again,"},{"speaker":"Walli Miller","startTime":47.93,"endTime":50.12,"body":"thank you for having me."},{"speaker":"Walli Miller","startTime":50.18,"endTime":54.82,"body":"So I am a first gen college"},{"speaker":"Walli Miller","startTime":50.18,"endTime":54.82,"body":"graduate, daughter of an immigrant,"},{"speaker":"Walli Miller","startTime":54.82,"endTime":58.35,"body":"born and raised in New York City,"},{"speaker":"Walli Miller","startTime":54.82,"endTime":58.35,"body":"and I'm a first gen millionaire."},{"speaker":"Walli Miller","startTime":59.48,"endTime":62.16,"body":"I am also a financial coach."},{"speaker":"Walli Miller","startTime":62.17,"endTime":64.62,"body":"And I love guiding people."},{"speaker":"Walli Miller","startTime":65.42,"endTime":68.86,"body":"Through not only the math and the"},{"speaker":"Walli Miller","startTime":65.42,"endTime":68.86,"body":"calculations, but also that money"},{"speaker":"Walli Miller","startTime":68.86,"endTime":71.2,"body":"mindset that sometimes we get stuck at."},{"speaker":"Walli Miller","startTime":71.65,"endTime":75.64,"body":"So that's the trajectory of where"},{"speaker":"Walli Miller","startTime":71.65,"endTime":75.64,"body":"things are right now, but that"},{"speaker":"Walli Miller","startTime":75.64,"endTime":77.05,"body":"wasn't how it always started."},{"speaker":"Walli Miller","startTime":77.05,"endTime":81.43,"body":"Like I wasn't always good with money"},{"speaker":"Walli Miller","startTime":77.05,"endTime":81.43,"body":"and I didn't always know all the things."},{"speaker":"Walli Miller","startTime":81.98,"endTime":84.13,"body":"And yeah, in my twenties, I pretty much."},{"speaker":"Walli Miller","startTime":84.46,"endTime":85.56,"body":"I thought I was good with money."},{"speaker":"Walli Miller","startTime":85.56,"endTime":88.35,"body":"I stayed out of credit card"},{"speaker":"Walli Miller","startTime":85.56,"endTime":88.35,"body":"debt and that was my definition"},{"speaker":"Walli Miller","startTime":88.35,"endTime":89.37,"body":"of being good with money."},{"speaker":"Walli Miller","startTime":89.37,"endTime":90.84,"body":"I was like, Oh, I don't"},{"speaker":"Walli Miller","startTime":89.37,"endTime":90.84,"body":"have credit card debt."},{"speaker":"Walli Miller","startTime":90.84,"endTime":93.11,"body":"Like all the finance people,"},{"speaker":"Walli Miller","startTime":90.84,"endTime":93.11,"body":"that's what they talked about."},{"speaker":"Walli Miller","startTime":93.11,"endTime":94.37,"body":"Get out of debt, get out of debt."},{"speaker":"Walli Miller","startTime":94.72,"endTime":97.39,"body":"And because I didn't have credit"},{"speaker":"Walli Miller","startTime":94.72,"endTime":97.39,"body":"card debt, I thought I was good,"},{"speaker":"Walli Miller","startTime":97.68,"endTime":101.42,"body":"not realizing I was missing the"},{"speaker":"Walli Miller","startTime":97.68,"endTime":101.42,"body":"whole wealth building component."},{"speaker":"Walli Miller","startTime":101.91,"endTime":104.17,"body":"And yeah, that's when"},{"speaker":"Walli Miller","startTime":101.91,"endTime":104.17,"body":"things changed for me."},{"speaker":"Average Joe Finances","startTime":105.38,"endTime":106.09,"body":"That's amazing."},{"speaker":"Average Joe Finances","startTime":106.09,"endTime":107.82,"body":"Short and sweet, but to the point."},{"speaker":"Average Joe Finances","startTime":108.12,"endTime":111.62,"body":"And I don't know how I didn't"},{"speaker":"Average Joe Finances","startTime":108.12,"endTime":111.62,"body":"notice this pre conversation and"},{"speaker":"Average Joe Finances","startTime":111.64,"endTime":113.66,"body":"how this didn't come up before."},{"speaker":"Average Joe Finances","startTime":113.9,"endTime":115.04,"body":"I'm also from New York."},{"speaker":"Average Joe Finances","startTime":115.04,"endTime":116.3,"body":"I'm from Long Island."},{"speaker":"Average Joe Finances","startTime":116.67,"endTime":118.31,"body":"And I heard your accent too, right?"},{"speaker":"Average Joe Finances","startTime":118.31,"endTime":121.1,"body":"I heard it a little bit and I just"},{"speaker":"Average Joe Finances","startTime":118.31,"endTime":121.1,"body":"didn't even think anything of it."},{"speaker":"Average Joe Finances","startTime":121.1,"endTime":124.22,"body":"So at least, you understand when I'm"},{"speaker":"Average Joe Finances","startTime":121.1,"endTime":124.22,"body":"talking, what I'm talking about when"},{"speaker":"Average Joe Finances","startTime":124.24,"endTime":129.26,"body":"I say New York has the best pizza and"},{"speaker":"Average Joe Finances","startTime":124.24,"endTime":129.26,"body":"bagels in the world, like hands down"},{"speaker":"Average Joe Finances","startTime":129.68,"endTime":131.21,"body":"probably the best Chinese food too."},{"speaker":"Average Joe Finances","startTime":131.53,"endTime":132.44,"body":"You just can't beat it."},{"speaker":"Walli Miller","startTime":132.77,"endTime":133.66,"body":"Not a debate."},{"speaker":"Walli Miller","startTime":133.66,"endTime":134.39,"body":"It's not a debate."},{"speaker":"Average Joe Finances","startTime":134.39,"endTime":134.62,"body":"Yes."},{"speaker":"Average Joe Finances","startTime":134.64,"endTime":138.56,"body":"It's not, but people will probably get"},{"speaker":"Average Joe Finances","startTime":134.64,"endTime":138.56,"body":"in the comments and start debating."},{"speaker":"Average Joe Finances","startTime":138.56,"endTime":140.72,"body":"But look, just want you guys"},{"speaker":"Average Joe Finances","startTime":138.56,"endTime":140.72,"body":"to know it's already over."},{"speaker":"Average Joe Finances","startTime":141.1,"endTime":142.31,"body":"It was over before you started."},{"speaker":"Walli Miller","startTime":143.03,"endTime":145.02,"body":"That's what makes"},{"speaker":"Walli Miller","startTime":143.03,"endTime":145.02,"body":"the pizza and the bagels different."},{"speaker":"Average Joe Finances","startTime":145.11,"endTime":145.6,"body":"Exactly."},{"speaker":"Average Joe Finances","startTime":145.6,"endTime":147.07,"body":"So you actually, funny story."},{"speaker":"Average Joe Finances","startTime":147.86,"endTime":151.97,"body":"When I was down in Pensacola, Florida"},{"speaker":"Average Joe Finances","startTime":147.86,"endTime":151.97,"body":"for recruiting school, when I was in the"},{"speaker":"Average Joe Finances","startTime":151.97,"endTime":157.59,"body":"Navy, they opened up a Manhattan pizza"},{"speaker":"Average Joe Finances","startTime":151.97,"endTime":157.59,"body":"chain down there, familia, and When"},{"speaker":"Average Joe Finances","startTime":157.59,"endTime":159.22,"body":"they opened it up, I was super excited."},{"speaker":"Average Joe Finances","startTime":159.26,"endTime":161.75,"body":"My wife and I, we were both,"},{"speaker":"Average Joe Finances","startTime":159.26,"endTime":161.75,"body":"she's also from Long Island."},{"speaker":"Average Joe Finances","startTime":162.22,"endTime":164.73,"body":"We were down there staying on the"},{"speaker":"Average Joe Finances","startTime":162.22,"endTime":164.73,"body":"base while I was going to school."},{"speaker":"Average Joe Finances","startTime":165.44,"endTime":167.35,"body":"And as soon as they opened"},{"speaker":"Average Joe Finances","startTime":165.44,"endTime":167.35,"body":"up, we went right in, right?"},{"speaker":"Average Joe Finances","startTime":167.35,"endTime":167.69,"body":"We got a piece."},{"speaker":"Average Joe Finances","startTime":167.69,"endTime":168.95,"body":"And that became our Friday thing."},{"speaker":"Average Joe Finances","startTime":168.96,"endTime":170.34,"body":"Every Friday while I was in school."},{"speaker":"Average Joe Finances","startTime":170.7,"endTime":174.18,"body":"We went and got a pizza and"},{"speaker":"Average Joe Finances","startTime":170.7,"endTime":174.18,"body":"it literally tastes like the"},{"speaker":"Average Joe Finances","startTime":174.18,"endTime":175.28,"body":"one that I had in Manhattan."},{"speaker":"Average Joe Finances","startTime":175.28,"endTime":177.67,"body":"And I said, Hey guys how"},{"speaker":"Average Joe Finances","startTime":175.28,"endTime":177.67,"body":"are you making this so good?"},{"speaker":"Average Joe Finances","startTime":178.15,"endTime":181.3,"body":"And they said, Oh, we actually have"},{"speaker":"Average Joe Finances","startTime":178.15,"endTime":181.3,"body":"the water ship down from New York."},{"speaker":"Average Joe Finances","startTime":181.32,"endTime":183.54,"body":"And it's, that's actually how we do it."},{"speaker":"Average Joe Finances","startTime":183.54,"endTime":185.21,"body":"I'm like, no way."},{"speaker":"Average Joe Finances","startTime":185.66,"endTime":186.74,"body":"So it really is."},{"speaker":"Average Joe Finances","startTime":186.76,"endTime":187.71,"body":"It really is the water."},{"speaker":"Average Joe Finances","startTime":187.71,"endTime":189.79,"body":"So I just wanted to point that out there."},{"speaker":"Average Joe Finances","startTime":189.83,"endTime":191.04,"body":"It's pretty amazing anyway."},{"speaker":"Average Joe Finances","startTime":191.455,"endTime":194.525,"body":"Enough about New York and everything"},{"speaker":"Average Joe Finances","startTime":191.455,"endTime":194.525,"body":"and all that it's, we can go"},{"speaker":"Average Joe Finances","startTime":194.525,"endTime":195.985,"body":"down that rabbit hole all day."},{"speaker":"Average Joe Finances","startTime":196.275,"endTime":199.505,"body":"But now things are starting to make"},{"speaker":"Average Joe Finances","startTime":196.275,"endTime":199.505,"body":"sense as I'm talking to you now that I"},{"speaker":"Average Joe Finances","startTime":199.505,"endTime":201.655,"body":"know that you're from the city, actually"},{"speaker":"Average Joe Finances","startTime":199.505,"endTime":201.655,"body":"what part of the city are you from?"},{"speaker":"Walli Miller","startTime":202.335,"endTime":205.145,"body":"So born and raised in"},{"speaker":"Walli Miller","startTime":202.335,"endTime":205.145,"body":"the Bronx, but I live in Manhattan now."},{"speaker":"Walli Miller","startTime":205.205,"endTime":206.005,"body":"I'm in yeah."},{"speaker":"Walli Miller","startTime":206.005,"endTime":207.265,"body":"And lower Manhattan."},{"speaker":"Average Joe Finances","startTime":207.545,"endTime":207.935,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":207.995,"endTime":208.395,"body":"Right on."},{"speaker":"Average Joe Finances","startTime":208.725,"endTime":209.035,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":209.045,"endTime":214.155,"body":"So during your intro, you had mentioned"},{"speaker":"Average Joe Finances","startTime":209.045,"endTime":214.155,"body":"that you are first gen American, right?"},{"speaker":"Average Joe Finances","startTime":214.155,"endTime":217.965,"body":"Cause your parents were immigrants and"},{"speaker":"Average Joe Finances","startTime":214.155,"endTime":217.965,"body":"you're also a first gen college graduate."},{"speaker":"Average Joe Finances","startTime":218.73,"endTime":220.95,"body":"And first gen millionaire, right?"},{"speaker":"Average Joe Finances","startTime":221.5,"endTime":227.09,"body":"So that's a lot of firsts that"},{"speaker":"Average Joe Finances","startTime":221.5,"endTime":227.09,"body":"you're all packaged all together"},{"speaker":"Average Joe Finances","startTime":227.09,"endTime":228.38,"body":"with what you've got going on."},{"speaker":"Average Joe Finances","startTime":228.81,"endTime":232.37,"body":"And I'm interested in hearing"},{"speaker":"Average Joe Finances","startTime":228.81,"endTime":232.37,"body":"your story when it comes to how"},{"speaker":"Average Joe Finances","startTime":232.37,"endTime":233.52,"body":"you actually got there, right?"},{"speaker":"Average Joe Finances","startTime":233.52,"endTime":235.71,"body":"Because I'm second gen, right?"},{"speaker":"Average Joe Finances","startTime":235.92,"endTime":238.85,"body":"My grandparents were immigrants"},{"speaker":"Average Joe Finances","startTime":235.92,"endTime":238.85,"body":"and then my parents, of course"},{"speaker":"Average Joe Finances","startTime":238.85,"endTime":239.87,"body":"were living here already."},{"speaker":"Average Joe Finances","startTime":240.37,"endTime":240.88,"body":"And."},{"speaker":"Average Joe Finances","startTime":242.335,"endTime":244.205,"body":"I got to see a couple of"},{"speaker":"Average Joe Finances","startTime":242.335,"endTime":244.205,"body":"different sides of things."},{"speaker":"Average Joe Finances","startTime":244.205,"endTime":247.175,"body":"Like my grandparents had"},{"speaker":"Average Joe Finances","startTime":244.205,"endTime":247.175,"body":"their own deli and that was a"},{"speaker":"Average Joe Finances","startTime":247.175,"endTime":248.185,"body":"business that they were running."},{"speaker":"Average Joe Finances","startTime":248.185,"endTime":249.645,"body":"My father had his own business."},{"speaker":"Average Joe Finances","startTime":249.675,"endTime":250.765,"body":"He had a trucking business."},{"speaker":"Average Joe Finances","startTime":251.185,"endTime":256.315,"body":"And I always had this entrepreneur mindset"},{"speaker":"Average Joe Finances","startTime":251.185,"endTime":256.315,"body":"because I, that's what I saw growing up."},{"speaker":"Average Joe Finances","startTime":256.365,"endTime":259.665,"body":"But I also saw the feast and famine"},{"speaker":"Average Joe Finances","startTime":256.365,"endTime":259.665,"body":"side of it too, where it's one"},{"speaker":"Average Joe Finances","startTime":259.665,"endTime":263.505,"body":"day we're eating like Kings the"},{"speaker":"Average Joe Finances","startTime":259.665,"endTime":263.505,"body":"next day, it's like ramen noodles."},{"speaker":"Average Joe Finances","startTime":263.555,"endTime":266.955,"body":"I'm curious as to what your experience was"},{"speaker":"Average Joe Finances","startTime":263.555,"endTime":266.955,"body":"with that growing up and then, of course,"},{"speaker":"Average Joe Finances","startTime":266.955,"endTime":271.815,"body":"being that first gen college graduate"},{"speaker":"Average Joe Finances","startTime":266.955,"endTime":271.815,"body":"what was that like for you to pursue that"},{"speaker":"Average Joe Finances","startTime":271.815,"endTime":274.905,"body":"when you haven't had anybody else in your"},{"speaker":"Average Joe Finances","startTime":271.815,"endTime":274.905,"body":"family to show you that way in the past?"},{"speaker":"Walli Miller","startTime":276.115,"endTime":279.455,"body":"Yeah, first of all,"},{"speaker":"Walli Miller","startTime":276.115,"endTime":279.455,"body":"my mom is Puerto Rican, so she's"},{"speaker":"Walli Miller","startTime":279.545,"endTime":283.475,"body":"not an immigrant, but she didn't"},{"speaker":"Walli Miller","startTime":279.545,"endTime":283.475,"body":"graduate high school, right?"},{"speaker":"Walli Miller","startTime":283.485,"endTime":285.625,"body":"My dad is an immigrant from Ecuador."},{"speaker":"Walli Miller","startTime":285.995,"endTime":290.035,"body":"We being born and raised in New York"},{"speaker":"Walli Miller","startTime":285.995,"endTime":290.035,"body":"City, particularly growing up in"},{"speaker":"Walli Miller","startTime":290.035,"endTime":292.355,"body":"the Bronx, it's the poorest borough."},{"speaker":"Walli Miller","startTime":292.545,"endTime":294.675,"body":"And so everybody was low income."},{"speaker":"Walli Miller","startTime":294.705,"endTime":297.365,"body":"Everybody was on the struggle"},{"speaker":"Walli Miller","startTime":294.705,"endTime":297.365,"body":"bus, but like everybody like"},{"speaker":"Walli Miller","startTime":297.365,"endTime":298.415,"body":"did what they needed to do."},{"speaker":"Walli Miller","startTime":298.425,"endTime":301.475,"body":"Like when we talk about like hustle"},{"speaker":"Walli Miller","startTime":298.425,"endTime":301.475,"body":"culture, I mean that in the best"},{"speaker":"Walli Miller","startTime":301.505,"endTime":306.485,"body":"possible way, like everyone knew"},{"speaker":"Walli Miller","startTime":301.505,"endTime":306.485,"body":"how to make a dollar stretch and how"},{"speaker":"Walli Miller","startTime":306.515,"endTime":307.895,"body":"to make money when they needed it."},{"speaker":"Walli Miller","startTime":307.915,"endTime":312.635,"body":"Everybody was like, selling, the"},{"speaker":"Walli Miller","startTime":307.915,"endTime":312.635,"body":"holiday, traditional foods during the"},{"speaker":"Walli Miller","startTime":312.685,"endTime":314.345,"body":"Christmas and Thanksgiving seasons."},{"speaker":"Walli Miller","startTime":314.405,"endTime":319.285,"body":"So it was just like people that spirit"},{"speaker":"Walli Miller","startTime":314.405,"endTime":319.285,"body":"just was around everywhere, but my"},{"speaker":"Walli Miller","startTime":319.285,"endTime":321.135,"body":"parents necessarily didn't have that."},{"speaker":"Walli Miller","startTime":321.135,"endTime":325.865,"body":"Like my dad, got paid under the table"},{"speaker":"Walli Miller","startTime":321.135,"endTime":325.865,"body":"as they say, for most of his life,"},{"speaker":"Walli Miller","startTime":325.905,"endTime":328.565,"body":"never had a 401k or anything like that."},{"speaker":"Walli Miller","startTime":328.665,"endTime":329.905,"body":"I am one of five kids."},{"speaker":"Walli Miller","startTime":329.935,"endTime":332.555,"body":"So my mom was a stay at home"},{"speaker":"Walli Miller","startTime":329.935,"endTime":332.555,"body":"mom for most of my life."},{"speaker":"Walli Miller","startTime":333.13,"endTime":338.71,"body":"So there were like a lot of conversations"},{"speaker":"Walli Miller","startTime":333.13,"endTime":338.71,"body":"between the two of them that I like"},{"speaker":"Walli Miller","startTime":338.74,"endTime":342.31,"body":"overheard, but like money wasn't"},{"speaker":"Walli Miller","startTime":338.74,"endTime":342.31,"body":"something that we really talked about."},{"speaker":"Walli Miller","startTime":342.32,"endTime":345.99,"body":"It wasn't something that, they"},{"speaker":"Walli Miller","startTime":342.32,"endTime":345.99,"body":"sat down with me and taught"},{"speaker":"Walli Miller","startTime":345.99,"endTime":347.57,"body":"me how to balance a checkbook."},{"speaker":"Walli Miller","startTime":347.57,"endTime":349.89,"body":"Like we didn't even have like"},{"speaker":"Walli Miller","startTime":347.57,"endTime":349.89,"body":"bank accounts, they kept the"},{"speaker":"Walli Miller","startTime":349.91,"endTime":351.36,"body":"money underneath the mattress."},{"speaker":"Walli Miller","startTime":351.45,"endTime":354.8,"body":"My dad, especially being an immigrant,"},{"speaker":"Walli Miller","startTime":351.45,"endTime":354.8,"body":"didn't necessarily trust banks"},{"speaker":"Walli Miller","startTime":355.16,"endTime":356.47,"body":"because of where he came from."},{"speaker":"Walli Miller","startTime":357.275,"endTime":360.305,"body":"So conversations around"},{"speaker":"Walli Miller","startTime":357.275,"endTime":360.305,"body":"money really didn't happen."},{"speaker":"Walli Miller","startTime":360.315,"endTime":362.145,"body":"And I think for most"},{"speaker":"Walli Miller","startTime":360.315,"endTime":362.145,"body":"of us, that's the case."},{"speaker":"Walli Miller","startTime":362.425,"endTime":367.055,"body":"Like it's very rare where you meet someone"},{"speaker":"Walli Miller","startTime":362.425,"endTime":367.055,"body":"where I've met someone and they're like,"},{"speaker":"Walli Miller","startTime":367.055,"endTime":370.895,"body":"Oh yes, my parents like taught me the"},{"speaker":"Walli Miller","startTime":367.055,"endTime":370.895,"body":"ABCs and the one, two threes of money."},{"speaker":"Walli Miller","startTime":371.155,"endTime":373.685,"body":"Usually what we learn about money is."},{"speaker":"Walli Miller","startTime":373.93,"endTime":379.54,"body":"Just observed and learned indirectly"},{"speaker":"Walli Miller","startTime":373.93,"endTime":379.54,"body":"and that was my experience as well."},{"speaker":"Walli Miller","startTime":379.56,"endTime":381.97,"body":"So we didn't really have"},{"speaker":"Walli Miller","startTime":379.56,"endTime":381.97,"body":"conversations around money."},{"speaker":"Walli Miller","startTime":382.14,"endTime":385.59,"body":"Sometimes the lights would get"},{"speaker":"Walli Miller","startTime":382.14,"endTime":385.59,"body":"shut off, sometimes, dinner was"},{"speaker":"Walli Miller","startTime":385.6,"endTime":387.42,"body":"like white rice and a fried egg."},{"speaker":"Walli Miller","startTime":388.43,"endTime":394.3,"body":"Those were some of the experiences that we"},{"speaker":"Walli Miller","startTime":388.43,"endTime":394.3,"body":"had, but it didn't take long to realize,"},{"speaker":"Walli Miller","startTime":394.35,"endTime":396.85,"body":"like it didn't matter how hard you worked."},{"speaker":"Walli Miller","startTime":396.88,"endTime":400.83,"body":"Cause my dad works six days"},{"speaker":"Walli Miller","startTime":396.88,"endTime":400.83,"body":"a week, 12 hours shift."},{"speaker":"Walli Miller","startTime":401.02,"endTime":405.26,"body":"And he was a very hard worker, so it"},{"speaker":"Walli Miller","startTime":401.02,"endTime":405.26,"body":"wasn't necessarily of like how hard"},{"speaker":"Walli Miller","startTime":405.26,"endTime":410.29,"body":"you work that wasn't the equivalent of"},{"speaker":"Walli Miller","startTime":405.26,"endTime":410.29,"body":"what made you wealthy or what made you"},{"speaker":"Walli Miller","startTime":410.29,"endTime":414.98,"body":"well off, but it was also like your"},{"speaker":"Walli Miller","startTime":410.29,"endTime":414.98,"body":"connections and the people you knew"},{"speaker":"Walli Miller","startTime":415.01,"endTime":416.8,"body":"and education and things like that."},{"speaker":"Walli Miller","startTime":416.81,"endTime":422.32,"body":"So I knew that for me, education was"},{"speaker":"Walli Miller","startTime":416.81,"endTime":422.32,"body":"going to be something that I needed"},{"speaker":"Walli Miller","startTime":422.33,"endTime":424.84,"body":"in order to change my circumstances."},{"speaker":"Walli Miller","startTime":425.09,"endTime":426.44,"body":"And that was really what I."},{"speaker":"Walli Miller","startTime":426.64,"endTime":431.42,"body":"Connected with and I really"},{"speaker":"Walli Miller","startTime":426.64,"endTime":431.42,"body":"focused on, okay, how do I do this?"},{"speaker":"Walli Miller","startTime":431.42,"endTime":435.56,"body":"And again, this is like growing up"},{"speaker":"Walli Miller","startTime":431.42,"endTime":435.56,"body":"in a household where neither one of"},{"speaker":"Walli Miller","startTime":435.56,"endTime":437.24,"body":"my parents graduated high school."},{"speaker":"Walli Miller","startTime":437.25,"endTime":438.86,"body":"They didn't go to college, obviously."},{"speaker":"Walli Miller","startTime":438.86,"endTime":443.13,"body":"So this was me just like looking over"},{"speaker":"Walli Miller","startTime":438.86,"endTime":443.13,"body":"my shoulder and seeing what the person"},{"speaker":"Walli Miller","startTime":443.13,"endTime":447.78,"body":"behind me and next to me were doing"},{"speaker":"Walli Miller","startTime":443.13,"endTime":447.78,"body":"when it came to even navigating that"},{"speaker":"Walli Miller","startTime":447.78,"endTime":451.53,"body":"experience of okay, what do you do after"},{"speaker":"Walli Miller","startTime":447.78,"endTime":451.53,"body":"high school and how do you get there?"},{"speaker":"Average Joe Finances","startTime":452.445,"endTime":455.615,"body":"Yeah, absolutely"},{"speaker":"Average Joe Finances","startTime":452.445,"endTime":455.615,"body":"love that and resonate with that as well."},{"speaker":"Average Joe Finances","startTime":455.615,"endTime":458.985,"body":"Especially when you were talking"},{"speaker":"Average Joe Finances","startTime":455.615,"endTime":458.985,"body":"about how conversations around"},{"speaker":"Average Joe Finances","startTime":458.985,"endTime":460.075,"body":"money just didn't happen."},{"speaker":"Average Joe Finances","startTime":460.075,"endTime":462.425,"body":"It was always like a very taboo thing."},{"speaker":"Average Joe Finances","startTime":462.425,"endTime":466.755,"body":"Now I, I remember hearing, my parents"},{"speaker":"Average Joe Finances","startTime":462.425,"endTime":466.755,"body":"argue and stuff about money back in"},{"speaker":"Average Joe Finances","startTime":466.755,"endTime":469.825,"body":"the day, but it wasn't really stuff"},{"speaker":"Average Joe Finances","startTime":466.755,"endTime":469.825,"body":"that, that was said in front of us."},{"speaker":"Average Joe Finances","startTime":469.825,"endTime":472.685,"body":"It was more of ear hustling a"},{"speaker":"Average Joe Finances","startTime":469.825,"endTime":472.685,"body":"little bit and to hear that."},{"speaker":"Average Joe Finances","startTime":473.075,"endTime":476.005,"body":"But yes, I totally get where"},{"speaker":"Average Joe Finances","startTime":473.075,"endTime":476.005,"body":"you're coming from with that."},{"speaker":"Average Joe Finances","startTime":476.195,"endTime":479.385,"body":"Especially, when it comes to the"},{"speaker":"Average Joe Finances","startTime":476.195,"endTime":479.385,"body":"whole hustle culture you were"},{"speaker":"Average Joe Finances","startTime":479.385,"endTime":480.515,"body":"talking about in the Bronx, right?"},{"speaker":"Average Joe Finances","startTime":480.995,"endTime":485.265,"body":"We might not have it as strong on"},{"speaker":"Average Joe Finances","startTime":480.995,"endTime":485.265,"body":"Long Island But you know that hustle"},{"speaker":"Average Joe Finances","startTime":485.265,"endTime":488.885,"body":"culture that you have just as a"},{"speaker":"Average Joe Finances","startTime":485.265,"endTime":488.885,"body":"New Yorker in general is definitely"},{"speaker":"Average Joe Finances","startTime":488.885,"endTime":491.245,"body":"something that's a contagious, right?"},{"speaker":"Average Joe Finances","startTime":492.025,"endTime":495.805,"body":"Because that's something I actually"},{"speaker":"Average Joe Finances","startTime":492.025,"endTime":495.805,"body":"want to give to my kids as well."},{"speaker":"Average Joe Finances","startTime":495.995,"endTime":500.18,"body":"Even though like I know that they're"},{"speaker":"Average Joe Finances","startTime":495.995,"endTime":500.18,"body":"gonna be In a much better spot than I"},{"speaker":"Average Joe Finances","startTime":500.18,"endTime":505.16,"body":"was, when they become an adult, I want"},{"speaker":"Average Joe Finances","startTime":500.18,"endTime":505.16,"body":"to make sure that they know that they"},{"speaker":"Average Joe Finances","startTime":505.16,"endTime":507.42,"body":"got to work hard to keep that going."},{"speaker":"Average Joe Finances","startTime":507.65,"endTime":509.33,"body":"That's not just going"},{"speaker":"Average Joe Finances","startTime":507.65,"endTime":509.33,"body":"to be like a handout."},{"speaker":"Average Joe Finances","startTime":509.62,"endTime":511.73,"body":"I don't want them growing up"},{"speaker":"Average Joe Finances","startTime":509.62,"endTime":511.73,"body":"with a silver spoon in their"},{"speaker":"Average Joe Finances","startTime":511.73,"endTime":512.87,"body":"mouth or anything like that."},{"speaker":"Average Joe Finances","startTime":512.89,"endTime":515.5,"body":"I feel like that's something to"},{"speaker":"Average Joe Finances","startTime":512.89,"endTime":515.5,"body":"like that hustle and that grind"},{"speaker":"Average Joe Finances","startTime":515.5,"endTime":518.69,"body":"mentality that you have is something"},{"speaker":"Average Joe Finances","startTime":515.5,"endTime":518.69,"body":"that you want to keep passing down"},{"speaker":"Average Joe Finances","startTime":518.71,"endTime":520.09,"body":"from generation to generation."},{"speaker":"Average Joe Finances","startTime":520.605,"endTime":524.415,"body":"So yes, building generational wealth is"},{"speaker":"Average Joe Finances","startTime":520.605,"endTime":524.415,"body":"great, but you also want to build that"},{"speaker":"Average Joe Finances","startTime":524.425,"endTime":526.735,"body":"generational hustle culture, right?"},{"speaker":"Average Joe Finances","startTime":526.735,"endTime":527.835,"body":"That you're going to pass down."},{"speaker":"Average Joe Finances","startTime":528.185,"endTime":528.905,"body":"So that's huge."},{"speaker":"Average Joe Finances","startTime":529.255,"endTime":533.245,"body":"Now, one of the things you had"},{"speaker":"Average Joe Finances","startTime":529.255,"endTime":533.245,"body":"mentioned is that you knew that"},{"speaker":"Average Joe Finances","startTime":533.275,"endTime":536.455,"body":"education was something that you"},{"speaker":"Average Joe Finances","startTime":533.275,"endTime":536.455,"body":"needed to change your circumstances."},{"speaker":"Average Joe Finances","startTime":536.455,"endTime":541.415,"body":"So right away, the fact that you"},{"speaker":"Average Joe Finances","startTime":536.455,"endTime":541.415,"body":"describe it like that, it shows me that"},{"speaker":"Average Joe Finances","startTime":541.425,"endTime":544.065,"body":"you were very serious about changing."},{"speaker":"Average Joe Finances","startTime":544.44,"endTime":547.58,"body":"Your future and changing what"},{"speaker":"Average Joe Finances","startTime":544.44,"endTime":547.58,"body":"opportunities were put in front of you."},{"speaker":"Average Joe Finances","startTime":547.63,"endTime":549.39,"body":"Because when you say education"},{"speaker":"Average Joe Finances","startTime":547.63,"endTime":549.39,"body":"was something you needed to"},{"speaker":"Average Joe Finances","startTime":549.39,"endTime":551.77,"body":"change your circumstances,"},{"speaker":"Average Joe Finances","startTime":549.39,"endTime":551.77,"body":"that's what that speaks to me."},{"speaker":"Average Joe Finances","startTime":552.13,"endTime":554.9,"body":"You want to change your circumstances"},{"speaker":"Average Joe Finances","startTime":552.13,"endTime":554.9,"body":"for not Oh, I want to go get a"},{"speaker":"Average Joe Finances","startTime":554.9,"endTime":557.08,"body":"degree just to go get a degree"},{"speaker":"Average Joe Finances","startTime":554.9,"endTime":557.08,"body":"or be the first one to get it."},{"speaker":"Average Joe Finances","startTime":557.08,"endTime":560.48,"body":"It's no, I want to get a degree"},{"speaker":"Average Joe Finances","startTime":557.08,"endTime":560.48,"body":"to make sure that I can have"},{"speaker":"Average Joe Finances","startTime":560.48,"endTime":561.51,"body":"a better life in the future."},{"speaker":"Average Joe Finances","startTime":561.56,"endTime":564.55,"body":"To make sure that I'm going to be able"},{"speaker":"Average Joe Finances","startTime":561.56,"endTime":564.55,"body":"to get a job that's going to have the"},{"speaker":"Average Joe Finances","startTime":564.55,"endTime":566.75,"body":"income that I don't have to worry about."},{"speaker":"Average Joe Finances","startTime":567.37,"endTime":568.54,"body":"The light's getting turned off."},{"speaker":"Average Joe Finances","startTime":568.85,"endTime":572.01,"body":"And I feel like little things like"},{"speaker":"Average Joe Finances","startTime":568.85,"endTime":572.01,"body":"that, that we pull from our childhood,"},{"speaker":"Average Joe Finances","startTime":572.01,"endTime":574.73,"body":"that you remember, those are things"},{"speaker":"Average Joe Finances","startTime":572.01,"endTime":574.73,"body":"like, okay, I don't want this to"},{"speaker":"Average Joe Finances","startTime":574.73,"endTime":576.95,"body":"happen in my household in the future."},{"speaker":"Average Joe Finances","startTime":576.95,"endTime":580.76,"body":"So it's one of the things that you always"},{"speaker":"Average Joe Finances","startTime":576.95,"endTime":580.76,"body":"work for to get better at, you always"},{"speaker":"Average Joe Finances","startTime":580.76,"endTime":584.54,"body":"want to try to give your family something"},{"speaker":"Average Joe Finances","startTime":580.76,"endTime":584.54,"body":"better than what you had growing up."},{"speaker":"Average Joe Finances","startTime":584.54,"endTime":585.75,"body":"I definitely respect that."},{"speaker":"Average Joe Finances","startTime":585.75,"endTime":587.19,"body":"Now I want to get into."},{"speaker":"Average Joe Finances","startTime":588.04,"endTime":590.48,"body":"What you do now, cause like"},{"speaker":"Average Joe Finances","startTime":588.04,"endTime":590.48,"body":"you're a financial coach."},{"speaker":"Average Joe Finances","startTime":590.56,"endTime":592.09,"body":"I also do financial coaching."},{"speaker":"Average Joe Finances","startTime":592.09,"endTime":594.75,"body":"So I really love to hear"},{"speaker":"Average Joe Finances","startTime":592.09,"endTime":594.75,"body":"about what other coaches do."},{"speaker":"Average Joe Finances","startTime":595.19,"endTime":598.43,"body":"And I'd like to know when it"},{"speaker":"Average Joe Finances","startTime":595.19,"endTime":598.43,"body":"comes to actual money, right?"},{"speaker":"Average Joe Finances","startTime":598.43,"endTime":601.43,"body":"Because you got to the point where"},{"speaker":"Average Joe Finances","startTime":598.43,"endTime":601.43,"body":"you got yourself in a very good spot."},{"speaker":"Average Joe Finances","startTime":602.41,"endTime":605.85,"body":"A lot of people have"},{"speaker":"Average Joe Finances","startTime":602.41,"endTime":605.85,"body":"misconceptions about money."},{"speaker":"Average Joe Finances","startTime":606.17,"endTime":609.83,"body":"So I want to know for you, what can"},{"speaker":"Average Joe Finances","startTime":606.17,"endTime":609.83,"body":"you tell me with the clients that"},{"speaker":"Average Joe Finances","startTime":609.83,"endTime":613.68,"body":"you've worked with is the biggest"},{"speaker":"Average Joe Finances","startTime":609.83,"endTime":613.68,"body":"misconception that you've found that"},{"speaker":"Average Joe Finances","startTime":613.68,"endTime":615.84,"body":"people think when it comes to money."},{"speaker":"Walli Miller","startTime":617.09,"endTime":620.33,"body":"Yeah, I think when people"},{"speaker":"Walli Miller","startTime":617.09,"endTime":620.33,"body":"come to me specifically for financial"},{"speaker":"Walli Miller","startTime":620.33,"endTime":624.9,"body":"coaching, they assume that it's all"},{"speaker":"Walli Miller","startTime":620.33,"endTime":624.9,"body":"going to be talking about the numbers and"},{"speaker":"Walli Miller","startTime":624.9,"endTime":626.98,"body":"the spreadsheets and the calculations."},{"speaker":"Walli Miller","startTime":627.03,"endTime":628.57,"body":"And of course, we do that."},{"speaker":"Walli Miller","startTime":628.57,"endTime":629.52,"body":"We look at the numbers."},{"speaker":"Walli Miller","startTime":629.52,"endTime":632.38,"body":"We understand 1 plus 1 equals 2, right?"},{"speaker":"Walli Miller","startTime":632.38,"endTime":635.04,"body":"We understand what the numbers"},{"speaker":"Walli Miller","startTime":632.38,"endTime":635.04,"body":"are and get to the bottom of it."},{"speaker":"Walli Miller","startTime":635.36,"endTime":639.02,"body":"But so much of it, has to do"},{"speaker":"Walli Miller","startTime":635.36,"endTime":639.02,"body":"with our relationship with money."},{"speaker":"Walli Miller","startTime":639.04,"endTime":642.68,"body":"And I just want to go back to"},{"speaker":"Walli Miller","startTime":639.04,"endTime":642.68,"body":"something when I talk about, it's"},{"speaker":"Walli Miller","startTime":642.68,"endTime":646.28,"body":"not necessarily hustle culture,"},{"speaker":"Walli Miller","startTime":642.68,"endTime":646.28,"body":"but it's like worth ethic, right?"},{"speaker":"Walli Miller","startTime":646.56,"endTime":650.43,"body":"It's when I talk about education,"},{"speaker":"Walli Miller","startTime":646.56,"endTime":650.43,"body":"that doesn't mean a degree right now."},{"speaker":"Walli Miller","startTime":650.43,"endTime":656.38,"body":"We're in, a place in time where"},{"speaker":"Walli Miller","startTime":650.43,"endTime":656.38,"body":"you can listen, you can get a PhD"},{"speaker":"Walli Miller","startTime":656.39,"endTime":660.26,"body":"in whatever subject you want by"},{"speaker":"Walli Miller","startTime":656.39,"endTime":660.26,"body":"listening to the podcast, reading"},{"speaker":"Walli Miller","startTime":660.26,"endTime":662.72,"body":"the books, blogs, YouTube channels."},{"speaker":"Walli Miller","startTime":662.77,"endTime":667.86,"body":"One of the things that I mean, yes, for"},{"speaker":"Walli Miller","startTime":662.77,"endTime":667.86,"body":"me at the time, the only education that I"},{"speaker":"Walli Miller","startTime":667.87,"endTime":670.77,"body":"knew was the traditional college, right?"},{"speaker":"Walli Miller","startTime":670.77,"endTime":675.35,"body":"But today there's so much like listeners"},{"speaker":"Walli Miller","startTime":670.77,"endTime":675.35,"body":"to your podcast, they've learned so"},{"speaker":"Walli Miller","startTime":675.35,"endTime":678.92,"body":"many things and have been exposed to"},{"speaker":"Walli Miller","startTime":675.35,"endTime":678.92,"body":"things they didn't even know existed."},{"speaker":"Walli Miller","startTime":679.21,"endTime":682.095,"body":"And so that's something that"},{"speaker":"Walli Miller","startTime":679.21,"endTime":682.095,"body":"I am trying to really ingrain"},{"speaker":"Walli Miller","startTime":682.725,"endTime":684.195,"body":"in like the next generation."},{"speaker":"Walli Miller","startTime":684.365,"endTime":688.055,"body":"It's yes, education and a"},{"speaker":"Walli Miller","startTime":684.365,"endTime":688.055,"body":"degree can be helpful, but let"},{"speaker":"Walli Miller","startTime":688.055,"endTime":690.075,"body":"me also expose you to this."},{"speaker":"Walli Miller","startTime":690.3,"endTime":693.55,"body":"Whole other side that you don't"},{"speaker":"Walli Miller","startTime":690.3,"endTime":693.55,"body":"even have to wait until you"},{"speaker":"Walli Miller","startTime":693.55,"endTime":695.09,"body":"graduate high school, right?"},{"speaker":"Walli Miller","startTime":695.1,"endTime":698.11,"body":"Like you can start getting this"},{"speaker":"Walli Miller","startTime":695.1,"endTime":698.11,"body":"education in middle school."},{"speaker":"Walli Miller","startTime":698.11,"endTime":701.82,"body":"And then, in a while, you're still"},{"speaker":"Walli Miller","startTime":698.11,"endTime":701.82,"body":"in high school and just can really"},{"speaker":"Walli Miller","startTime":701.83,"endTime":703.25,"body":"learn so many different things."},{"speaker":"Walli Miller","startTime":703.47,"endTime":707.88,"body":"And I think And genuity and"},{"speaker":"Walli Miller","startTime":703.47,"endTime":707.88,"body":"creativity is also a component"},{"speaker":"Walli Miller","startTime":707.89,"endTime":709.22,"body":"to like that hustle culture."},{"speaker":"Walli Miller","startTime":709.42,"endTime":712.77,"body":"Cause they think so many times"},{"speaker":"Walli Miller","startTime":709.42,"endTime":712.77,"body":"millennials are for sure."},{"speaker":"Walli Miller","startTime":712.77,"endTime":717.48,"body":"Gen Z years are really like bucking the"},{"speaker":"Walli Miller","startTime":712.77,"endTime":717.48,"body":"change on this, but it's not necessarily"},{"speaker":"Walli Miller","startTime":717.5,"endTime":722.83,"body":"about grind until you're exhausted"},{"speaker":"Walli Miller","startTime":717.5,"endTime":722.83,"body":"and tired and just feel burnt out."},{"speaker":"Walli Miller","startTime":723.19,"endTime":727.53,"body":"It's about how can I do what I"},{"speaker":"Walli Miller","startTime":723.19,"endTime":727.53,"body":"need to do in a more creative way?"},{"speaker":"Walli Miller","startTime":728.25,"endTime":734.27,"body":"Again, that ingenuity and also achieve"},{"speaker":"Walli Miller","startTime":728.25,"endTime":734.27,"body":"the life that I want to live, right?"},{"speaker":"Walli Miller","startTime":734.48,"endTime":736.1,"body":"And whatever that might mean for you."},{"speaker":"Walli Miller","startTime":736.11,"endTime":739.52,"body":"So right now when my clients, they"},{"speaker":"Walli Miller","startTime":736.11,"endTime":739.52,"body":"come to me, yes, they think we're"},{"speaker":"Walli Miller","startTime":739.52,"endTime":742.31,"body":"going to talk about the numbers and"},{"speaker":"Walli Miller","startTime":739.52,"endTime":742.31,"body":"the calculations and we do that."},{"speaker":"Walli Miller","startTime":742.35,"endTime":746.79,"body":"But that mindset piece and that"},{"speaker":"Walli Miller","startTime":742.35,"endTime":746.79,"body":"relationship with money is so important."},{"speaker":"Walli Miller","startTime":746.79,"endTime":749.95,"body":"That's why I went back to that"},{"speaker":"Walli Miller","startTime":746.79,"endTime":749.95,"body":"using that word hustle, right?"},{"speaker":"Walli Miller","startTime":749.95,"endTime":753.59,"body":"Because language and the"},{"speaker":"Walli Miller","startTime":749.95,"endTime":753.59,"body":"words we use to describe."},{"speaker":"Walli Miller","startTime":753.85,"endTime":758.14,"body":"Our feelings, our interactions, our"},{"speaker":"Walli Miller","startTime":753.85,"endTime":758.14,"body":"behavior, the exchange we have with"},{"speaker":"Walli Miller","startTime":758.14,"endTime":763.24,"body":"money and how we earn it and also how"},{"speaker":"Walli Miller","startTime":758.14,"endTime":763.24,"body":"we spend it is so critically important."},{"speaker":"Average Joe Finances","startTime":764.16,"endTime":768.28,"body":"Walli, that's"},{"speaker":"Average Joe Finances","startTime":764.16,"endTime":768.28,"body":"fantastic because the language,"},{"speaker":"Average Joe Finances","startTime":768.285,"endTime":769.59,"body":"like the way that you bring that up."},{"speaker":"Average Joe Finances","startTime":769.59,"endTime":772.68,"body":"It's just, it's the way that you're"},{"speaker":"Average Joe Finances","startTime":769.59,"endTime":772.68,"body":"putting it so that people are gonna"},{"speaker":"Average Joe Finances","startTime":772.68,"endTime":775.53,"body":"sit here and understand right off"},{"speaker":"Average Joe Finances","startTime":772.68,"endTime":775.53,"body":"the bat where you're coming from."},{"speaker":"Average Joe Finances","startTime":775.63,"endTime":778.18,"body":"That's one of the things I love to"},{"speaker":"Average Joe Finances","startTime":775.63,"endTime":778.18,"body":"do about this podcast as well, right?"},{"speaker":"Average Joe Finances","startTime":778.18,"endTime":781.87,"body":"I don't like to sit here and have,"},{"speaker":"Average Joe Finances","startTime":778.18,"endTime":781.87,"body":"a conversation that is like too"},{"speaker":"Average Joe Finances","startTime":781.87,"endTime":784.72,"body":"complicated or too technical or"},{"speaker":"Average Joe Finances","startTime":781.87,"endTime":784.72,"body":"something that's gonna scare somebody"},{"speaker":"Average Joe Finances","startTime":784.72,"endTime":786.19,"body":"that's just getting into this away."},{"speaker":"Average Joe Finances","startTime":786.63,"endTime":789.69,"body":"I want somebody to come to this"},{"speaker":"Average Joe Finances","startTime":786.63,"endTime":789.69,"body":"podcast and listening and listen"},{"speaker":"Average Joe Finances","startTime":789.99,"endTime":791.22,"body":"and say, Hey, you know what?"},{"speaker":"Average Joe Finances","startTime":791.755,"endTime":792.585,"body":"I understand this."},{"speaker":"Average Joe Finances","startTime":792.585,"endTime":793.525,"body":"I'm not intimidated."},{"speaker":"Average Joe Finances","startTime":793.565,"endTime":794.485,"body":"I want to learn more."},{"speaker":"Average Joe Finances","startTime":794.905,"endTime":798.205,"body":"And, I'm going to go back and listen to"},{"speaker":"Average Joe Finances","startTime":794.905,"endTime":798.205,"body":"some of these other episodes because,"},{"speaker":"Average Joe Finances","startTime":798.235,"endTime":801.735,"body":"the way that these guys are having"},{"speaker":"Average Joe Finances","startTime":798.235,"endTime":801.735,"body":"these conversations, it makes me feel"},{"speaker":"Average Joe Finances","startTime":801.745,"endTime":806.215,"body":"comfortable, if somebody's putting"},{"speaker":"Average Joe Finances","startTime":801.745,"endTime":806.215,"body":"out acronyms or things like that, I'll"},{"speaker":"Average Joe Finances","startTime":806.215,"endTime":807.515,"body":"say, okay, Hey, what does that mean?"},{"speaker":"Average Joe Finances","startTime":807.545,"endTime":808.555,"body":"Please explain that."},{"speaker":"Average Joe Finances","startTime":808.555,"endTime":811.895,"body":"Even though I know what it means, I"},{"speaker":"Average Joe Finances","startTime":808.555,"endTime":811.895,"body":"want to make sure that no listener"},{"speaker":"Average Joe Finances","startTime":811.895,"endTime":813.175,"body":"or nobody gets intimidated."},{"speaker":"Average Joe Finances","startTime":813.625,"endTime":814.045,"body":"And."},{"speaker":"Average Joe Finances","startTime":814.045,"endTime":814.12,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":814.36,"endTime":818.83,"body":"And I do it that way because I feel like"},{"speaker":"Average Joe Finances","startTime":814.36,"endTime":818.83,"body":"it's not that people wouldn't understand."},{"speaker":"Average Joe Finances","startTime":819.16,"endTime":822.11,"body":"It's just that right now, when somebody"},{"speaker":"Average Joe Finances","startTime":819.16,"endTime":822.11,"body":"is coming here to get that information,"},{"speaker":"Average Joe Finances","startTime":822.11,"endTime":825.32,"body":"they're coming here to learn right now,"},{"speaker":"Average Joe Finances","startTime":822.11,"endTime":825.32,"body":"not sitting here and look things up."},{"speaker":"Average Joe Finances","startTime":825.67,"endTime":828.54,"body":"For me personally, I like"},{"speaker":"Average Joe Finances","startTime":825.67,"endTime":828.54,"body":"to be a content sponge."},{"speaker":"Average Joe Finances","startTime":828.81,"endTime":832.75,"body":"I am constantly absorbing"},{"speaker":"Average Joe Finances","startTime":828.81,"endTime":832.75,"body":"content all around me every day."},{"speaker":"Average Joe Finances","startTime":833.22,"endTime":837.56,"body":"Whether it's through books,"},{"speaker":"Average Joe Finances","startTime":833.22,"endTime":837.56,"body":"YouTube videos, podcasts my kids"},{"speaker":"Average Joe Finances","startTime":837.56,"endTime":839.94,"body":"are sick of podcasts because every"},{"speaker":"Average Joe Finances","startTime":837.56,"endTime":839.94,"body":"time we get in the car, they're"},{"speaker":"Average Joe Finances","startTime":839.94,"endTime":841.32,"body":"like, daddy, please put on music."},{"speaker":"Average Joe Finances","startTime":841.33,"endTime":843.37,"body":"We don't want to listen"},{"speaker":"Average Joe Finances","startTime":841.33,"endTime":843.37,"body":"to any more podcasts, but."},{"speaker":"Average Joe Finances","startTime":844.3,"endTime":846.98,"body":"For me, like I'm always trying"},{"speaker":"Average Joe Finances","startTime":844.3,"endTime":846.98,"body":"to learn, and that's what I love"},{"speaker":"Average Joe Finances","startTime":846.98,"endTime":848.38,"body":"about what you described there."},{"speaker":"Average Joe Finances","startTime":848.39,"endTime":851.67,"body":"It doesn't mean go get your"},{"speaker":"Average Joe Finances","startTime":848.39,"endTime":851.67,"body":"degree or anything like that."},{"speaker":"Average Joe Finances","startTime":851.67,"endTime":853.94,"body":"There's so many different"},{"speaker":"Average Joe Finances","startTime":851.67,"endTime":853.94,"body":"ways you can learn today."},{"speaker":"Average Joe Finances","startTime":854.35,"endTime":856.63,"body":"And, I can tell you right now,"},{"speaker":"Average Joe Finances","startTime":854.35,"endTime":856.63,"body":"I haven't finished my degree."},{"speaker":"Average Joe Finances","startTime":856.76,"endTime":861.29,"body":"I'm like three classes away and I've been"},{"speaker":"Average Joe Finances","startTime":856.76,"endTime":861.29,"body":"three classes away, probably for 12 years."},{"speaker":"Average Joe Finances","startTime":861.79,"endTime":863.01,"body":"And I just haven't finished it."},{"speaker":"Average Joe Finances","startTime":863.14,"endTime":866.49,"body":"Maybe I will one of these days,"},{"speaker":"Average Joe Finances","startTime":863.14,"endTime":866.49,"body":"just to say I did it, but."},{"speaker":"Average Joe Finances","startTime":866.925,"endTime":871.235,"body":"I haven't had the need to, and I've"},{"speaker":"Average Joe Finances","startTime":866.925,"endTime":871.235,"body":"experienced a lot of success without"},{"speaker":"Average Joe Finances","startTime":871.245,"endTime":874.345,"body":"having a college degree, so it's."},{"speaker":"Average Joe Finances","startTime":874.77,"endTime":876.71,"body":"It's a matter of where"},{"speaker":"Average Joe Finances","startTime":874.77,"endTime":876.71,"body":"you get your education."},{"speaker":"Average Joe Finances","startTime":876.79,"endTime":879.28,"body":"It actually it doesn't matter"},{"speaker":"Average Joe Finances","startTime":876.79,"endTime":879.28,"body":"where you get your education from."},{"speaker":"Average Joe Finances","startTime":879.31,"endTime":881.58,"body":"What matters is that you're"},{"speaker":"Average Joe Finances","startTime":879.31,"endTime":881.58,"body":"always willing to learn."},{"speaker":"Walli Miller","startTime":882.06,"endTime":883.35,"body":"That curiosity."},{"speaker":"Walli Miller","startTime":883.46,"endTime":883.79,"body":"Yeah."},{"speaker":"Walli Miller","startTime":884.12,"endTime":885.9,"body":"Attribute is so important."},{"speaker":"Walli Miller","startTime":885.96,"endTime":889.25,"body":"Get curious, ask a million questions."},{"speaker":"Walli Miller","startTime":889.26,"endTime":889.7,"body":"Why?"},{"speaker":"Walli Miller","startTime":889.8,"endTime":892.43,"body":"And I think sometimes it can"},{"speaker":"Walli Miller","startTime":889.8,"endTime":892.43,"body":"feel intimidating, right?"},{"speaker":"Walli Miller","startTime":892.43,"endTime":897.88,"body":"Like obviously today we're talking about"},{"speaker":"Walli Miller","startTime":892.43,"endTime":897.88,"body":"money and money is a very taboo topic."},{"speaker":"Walli Miller","startTime":898.28,"endTime":901.85,"body":"But if we're not curious with"},{"speaker":"Walli Miller","startTime":898.28,"endTime":901.85,"body":"ourselves and with other people,"},{"speaker":"Walli Miller","startTime":902.03,"endTime":903.74,"body":"we just stay in the dark, right?"},{"speaker":"Walli Miller","startTime":903.77,"endTime":903.94,"body":"Yeah."},{"speaker":"Walli Miller","startTime":903.94,"endTime":907.7,"body":"And when I remember I would hear"},{"speaker":"Walli Miller","startTime":903.94,"endTime":907.7,"body":"different podcasts talk about"},{"speaker":"Walli Miller","startTime":907.71,"endTime":911.6,"body":"or books or things that I was"},{"speaker":"Walli Miller","startTime":907.71,"endTime":911.6,"body":"reading people talk about wealth."},{"speaker":"Walli Miller","startTime":911.785,"endTime":913.685,"body":"And I didn't even connect with that word."},{"speaker":"Walli Miller","startTime":913.685,"endTime":915.715,"body":"Of course I like knew what that meant."},{"speaker":"Walli Miller","startTime":915.765,"endTime":919.445,"body":"I knew what the dictionary said,"},{"speaker":"Walli Miller","startTime":915.765,"endTime":919.445,"body":"how people defined wealth or"},{"speaker":"Walli Miller","startTime":919.445,"endTime":923.505,"body":"how it defined wealth, but I"},{"speaker":"Walli Miller","startTime":919.445,"endTime":923.505,"body":"couldn't connect with that word."},{"speaker":"Walli Miller","startTime":923.505,"endTime":927.235,"body":"When I thought about wealth, I thought"},{"speaker":"Walli Miller","startTime":923.505,"endTime":927.235,"body":"of an old man with gray hair, smoking"},{"speaker":"Walli Miller","startTime":927.235,"endTime":932.715,"body":"a cigar, like in a velvet robe, it just"},{"speaker":"Walli Miller","startTime":927.235,"endTime":932.715,"body":"wasn't like a word that I really connected"},{"speaker":"Walli Miller","startTime":932.715,"endTime":938.315,"body":"with until I started to get curious"},{"speaker":"Walli Miller","startTime":932.715,"endTime":938.315,"body":"about what would wealth look like for me?"},{"speaker":"Average Joe Finances","startTime":939.78,"endTime":942.45,"body":"I absolutely"},{"speaker":"Average Joe Finances","startTime":939.78,"endTime":942.45,"body":"love that, and again, that goes back"},{"speaker":"Average Joe Finances","startTime":942.45,"endTime":945.31,"body":"to the message of, simplicity, right?"},{"speaker":"Average Joe Finances","startTime":945.34,"endTime":947.01,"body":"When you're putting a"},{"speaker":"Average Joe Finances","startTime":945.34,"endTime":947.01,"body":"message out there to make it."},{"speaker":"Average Joe Finances","startTime":947.01,"endTime":948.73,"body":"So you're not intimidating anybody."},{"speaker":"Average Joe Finances","startTime":949.23,"endTime":951.65,"body":"There was something else you said,"},{"speaker":"Average Joe Finances","startTime":949.23,"endTime":951.65,"body":"too, when we started this off and I"},{"speaker":"Average Joe Finances","startTime":951.68,"endTime":953.76,"body":"absolutely love this because I've had."},{"speaker":"Average Joe Finances","startTime":954.215,"endTime":957.225,"body":"Other folks come on the show"},{"speaker":"Average Joe Finances","startTime":954.215,"endTime":957.225,"body":"that were also financial coaches."},{"speaker":"Average Joe Finances","startTime":957.635,"endTime":962.095,"body":"And it's funny because I think we all"},{"speaker":"Average Joe Finances","startTime":957.635,"endTime":962.095,"body":"look at it this way, but you were talking"},{"speaker":"Average Joe Finances","startTime":962.095,"endTime":964.735,"body":"about the relationship with money."},{"speaker":"Average Joe Finances","startTime":965.085,"endTime":969.035,"body":"And I feel like a lot of people"},{"speaker":"Average Joe Finances","startTime":965.085,"endTime":969.035,"body":"don't realize that you do have a"},{"speaker":"Average Joe Finances","startTime":969.035,"endTime":970.965,"body":"relationship with your money, right?"},{"speaker":"Average Joe Finances","startTime":971.365,"endTime":973.925,"body":"And no matter what you're"},{"speaker":"Average Joe Finances","startTime":971.365,"endTime":973.925,"body":"purchasing, I don't care what it is."},{"speaker":"Average Joe Finances","startTime":973.955,"endTime":978.715,"body":"Even me as a real estate investor or"},{"speaker":"Average Joe Finances","startTime":973.955,"endTime":978.715,"body":"investing in anything, whether I'm putting"},{"speaker":"Average Joe Finances","startTime":978.725,"endTime":985.145,"body":"money into the stock market, whatever"},{"speaker":"Average Joe Finances","startTime":978.725,"endTime":985.145,"body":"it is, I always get that uneasy When I"},{"speaker":"Average Joe Finances","startTime":985.145,"endTime":988.795,"body":"write that check, or I wire the money,"},{"speaker":"Average Joe Finances","startTime":985.145,"endTime":988.795,"body":"or I send it, because now it's gone."},{"speaker":"Average Joe Finances","startTime":989.205,"endTime":990.275,"body":"And I'm like, I had it."},{"speaker":"Average Joe Finances","startTime":990.79,"endTime":991.51,"body":"But now it's gone."},{"speaker":"Average Joe Finances","startTime":991.51,"endTime":992.7,"body":"I went and put it to work."},{"speaker":"Average Joe Finances","startTime":992.9,"endTime":995.79,"body":"It's like sending your, your kids"},{"speaker":"Average Joe Finances","startTime":992.9,"endTime":995.79,"body":"turn 18 and you're sending them off to"},{"speaker":"Average Joe Finances","startTime":995.79,"endTime":998.89,"body":"college or sending them off to wherever"},{"speaker":"Average Joe Finances","startTime":995.79,"endTime":998.89,"body":"and you're just letting them go."},{"speaker":"Average Joe Finances","startTime":998.89,"endTime":1001.34,"body":"And it's okay, go out into"},{"speaker":"Average Joe Finances","startTime":998.89,"endTime":1001.34,"body":"the world and make me proud."},{"speaker":"Average Joe Finances","startTime":1001.34,"endTime":1002.71,"body":"That's you're doing that with your money."},{"speaker":"Average Joe Finances","startTime":1003.21,"endTime":1005.97,"body":"And I feel like a lot of times"},{"speaker":"Average Joe Finances","startTime":1003.21,"endTime":1005.97,"body":"people don't realize that you"},{"speaker":"Average Joe Finances","startTime":1005.98,"endTime":1008.08,"body":"have this emotional attachment."},{"speaker":"Average Joe Finances","startTime":1008.46,"endTime":1010.78,"body":"So no matter what it is that"},{"speaker":"Average Joe Finances","startTime":1008.46,"endTime":1010.78,"body":"you're putting your money into,"},{"speaker":"Average Joe Finances","startTime":1011.05,"endTime":1012.5,"body":"there's always emotion involved."},{"speaker":"Average Joe Finances","startTime":1012.51,"endTime":1013.59,"body":"You go buy a new car."},{"speaker":"Average Joe Finances","startTime":1013.88,"endTime":1015.24,"body":"That's an emotional decision."},{"speaker":"Average Joe Finances","startTime":1015.24,"endTime":1016.11,"body":"You buy a home."},{"speaker":"Average Joe Finances","startTime":1016.39,"endTime":1017.48,"body":"It's an emotional decision."},{"speaker":"Average Joe Finances","startTime":1017.53,"endTime":1021.0,"body":"So can you touch on that a little bit"},{"speaker":"Average Joe Finances","startTime":1017.53,"endTime":1021.0,"body":"and tell me like what your experiences"},{"speaker":"Average Joe Finances","startTime":1021.0,"endTime":1023.87,"body":"have been with that when it comes"},{"speaker":"Average Joe Finances","startTime":1021.0,"endTime":1023.87,"body":"to the emotions tied to money?"},{"speaker":"Walli Miller","startTime":1024.75,"endTime":1027.89,"body":"Oh, yeah, people"},{"speaker":"Walli Miller","startTime":1024.75,"endTime":1027.89,"body":"can talk about money or debt, for"},{"speaker":"Walli Miller","startTime":1027.89,"endTime":1033.99,"body":"example, and use weighted words, it's"},{"speaker":"Walli Miller","startTime":1027.89,"endTime":1033.99,"body":"bad, it's good, leverage is good,"},{"speaker":"Walli Miller","startTime":1033.99,"endTime":1035.53,"body":"like all of these different things."},{"speaker":"Walli Miller","startTime":1035.57,"endTime":1037.64,"body":"And really, it's neutral, right?"},{"speaker":"Walli Miller","startTime":1037.65,"endTime":1041.66,"body":"Debt is neutral, money is neutral,"},{"speaker":"Walli Miller","startTime":1037.65,"endTime":1041.66,"body":"but it's laden with emotions."},{"speaker":"Walli Miller","startTime":1041.94,"endTime":1045.67,"body":"And sometimes people will come and they'll"},{"speaker":"Walli Miller","startTime":1041.94,"endTime":1045.67,"body":"say, I just I want to work with somebody."},{"speaker":"Walli Miller","startTime":1045.71,"endTime":1048.0,"body":"And I just don't ever want"},{"speaker":"Walli Miller","startTime":1045.71,"endTime":1048.0,"body":"to have to think about money."},{"speaker":"Walli Miller","startTime":1048.04,"endTime":1050.65,"body":"And I say, I'm sorry, I'm not"},{"speaker":"Walli Miller","startTime":1048.04,"endTime":1050.65,"body":"the financial coach for you."},{"speaker":"Walli Miller","startTime":1050.955,"endTime":1055.055,"body":"We're always going to think"},{"speaker":"Walli Miller","startTime":1050.955,"endTime":1055.055,"body":"about money, but it's how we"},{"speaker":"Walli Miller","startTime":1055.065,"endTime":1058.075,"body":"react that can improve, right?"},{"speaker":"Walli Miller","startTime":1058.345,"endTime":1062.725,"body":"So from making something feel like"},{"speaker":"Walli Miller","startTime":1058.345,"endTime":1062.725,"body":"a total crisis to an inconvenience,"},{"speaker":"Walli Miller","startTime":1062.725,"endTime":1064.015,"body":"and I'll give you one example."},{"speaker":"Walli Miller","startTime":1064.305,"endTime":1069.855,"body":"I am remodeling my apartment here in the"},{"speaker":"Walli Miller","startTime":1064.305,"endTime":1069.855,"body":"city and I worked with a designer to pick"},{"speaker":"Walli Miller","startTime":1069.855,"endTime":1073.705,"body":"out some furniture and I said, okay let"},{"speaker":"Walli Miller","startTime":1069.855,"endTime":1073.705,"body":"me, create a savings fund and I'll just."},{"speaker":"Walli Miller","startTime":1074.255,"endTime":1076.965,"body":"Wait until I have the money"},{"speaker":"Walli Miller","startTime":1074.255,"endTime":1076.965,"body":"so I can pay it in cash."},{"speaker":"Walli Miller","startTime":1077.405,"endTime":1081.315,"body":"And so I did that and then it was time to"},{"speaker":"Walli Miller","startTime":1077.405,"endTime":1081.315,"body":"go buy this couch and I hadn't bought a"},{"speaker":"Walli Miller","startTime":1081.315,"endTime":1083.405,"body":"couch in years, probably a decade or so."},{"speaker":"Walli Miller","startTime":1083.405,"endTime":1085.945,"body":"And I didn't realize how"},{"speaker":"Walli Miller","startTime":1083.405,"endTime":1085.945,"body":"expensive couches I've gotten."},{"speaker":"Walli Miller","startTime":1086.405,"endTime":1089.075,"body":"And I remember I kept putting excuses."},{"speaker":"Walli Miller","startTime":1089.075,"endTime":1090.255,"body":"I said it's October."},{"speaker":"Walli Miller","startTime":1090.255,"endTime":1093.595,"body":"Let me wait until after"},{"speaker":"Walli Miller","startTime":1090.255,"endTime":1093.595,"body":"the snowy winter season."},{"speaker":"Walli Miller","startTime":1093.605,"endTime":1095.865,"body":"Wait, let me wait until"},{"speaker":"Walli Miller","startTime":1093.605,"endTime":1095.865,"body":"after the holidays, before"},{"speaker":"Walli Miller","startTime":1095.865,"endTime":1097.215,"body":"everybody like comes over."},{"speaker":"Walli Miller","startTime":1097.435,"endTime":1101.115,"body":"And I just kept putting all of these"},{"speaker":"Walli Miller","startTime":1097.435,"endTime":1101.115,"body":"excuses about the couch, and January"},{"speaker":"Walli Miller","startTime":1101.115,"endTime":1106.675,"body":"came, February, March, and in May, this"},{"speaker":"Walli Miller","startTime":1101.115,"endTime":1106.675,"body":"May, the designer texted me, and she's."},{"speaker":"Walli Miller","startTime":1106.675,"endTime":1108.065,"body":"Hey, I would love to see photos."},{"speaker":"Walli Miller","startTime":1108.075,"endTime":1109.355,"body":"How did everything turn out?"},{"speaker":"Walli Miller","startTime":1109.385,"endTime":1110.115,"body":"And guess what?"},{"speaker":"Walli Miller","startTime":1110.235,"endTime":1112.085,"body":"Walli had not bought the couch."},{"speaker":"Walli Miller","startTime":1112.625,"endTime":1115.055,"body":"And I was like, why haven't"},{"speaker":"Walli Miller","startTime":1112.625,"endTime":1115.055,"body":"I purchased this couch?"},{"speaker":"Walli Miller","startTime":1115.055,"endTime":1118.395,"body":"And I started thinking, I said, is it"},{"speaker":"Walli Miller","startTime":1115.055,"endTime":1118.395,"body":"that I don't want this couch anymore?"},{"speaker":"Walli Miller","startTime":1118.395,"endTime":1122.965,"body":"Now, mind you, I had gone to the store"},{"speaker":"Walli Miller","startTime":1118.395,"endTime":1122.965,"body":"like six times before to make sure that"},{"speaker":"Walli Miller","startTime":1122.965,"endTime":1124.775,"body":"this was the right couch, but it's okay."},{"speaker":"Walli Miller","startTime":1124.775,"endTime":1127.495,"body":"If you want to change your mind, I"},{"speaker":"Walli Miller","startTime":1124.775,"endTime":1127.495,"body":"said, no, did I really that couch?"},{"speaker":"Walli Miller","startTime":1127.495,"endTime":1128.365,"body":"It's a nice couch."},{"speaker":"Walli Miller","startTime":1128.785,"endTime":1132.525,"body":"And really, when I got to the root of"},{"speaker":"Walli Miller","startTime":1128.785,"endTime":1132.525,"body":"it, I had this thought in my head that I"},{"speaker":"Walli Miller","startTime":1132.525,"endTime":1135.295,"body":"couldn't afford it, which was not true."},{"speaker":"Walli Miller","startTime":1135.305,"endTime":1140.32,"body":"I literally had an account"},{"speaker":"Walli Miller","startTime":1135.305,"endTime":1140.32,"body":"separated for this couch, right?"},{"speaker":"Walli Miller","startTime":1140.71,"endTime":1144.13,"body":"But that just goes to show that"},{"speaker":"Walli Miller","startTime":1140.71,"endTime":1144.13,"body":"our relationship with money"},{"speaker":"Walli Miller","startTime":1144.16,"endTime":1146.35,"body":"is always evolving, right?"},{"speaker":"Walli Miller","startTime":1146.35,"endTime":1147.84,"body":"It's always changing."},{"speaker":"Walli Miller","startTime":1148.08,"endTime":1150.66,"body":"And we want to make sure"},{"speaker":"Walli Miller","startTime":1148.08,"endTime":1150.66,"body":"that we have this awareness."},{"speaker":"Walli Miller","startTime":1150.66,"endTime":1155.4,"body":"A lot of times we don't, we're not"},{"speaker":"Walli Miller","startTime":1150.66,"endTime":1155.4,"body":"in tune with the way we feel why we"},{"speaker":"Walli Miller","startTime":1155.4,"endTime":1157.62,"body":"think what we think about money, right?"},{"speaker":"Walli Miller","startTime":1157.86,"endTime":1160.43,"body":"What were some of the things"},{"speaker":"Walli Miller","startTime":1157.86,"endTime":1160.43,"body":"that we learned about money?"},{"speaker":"Walli Miller","startTime":1160.66,"endTime":1164.2,"body":"My parents didn't tell me buying"},{"speaker":"Walli Miller","startTime":1160.66,"endTime":1164.2,"body":"expensive things is the waste of money."},{"speaker":"Walli Miller","startTime":1164.2,"endTime":1166.93,"body":"Like they never had that conversation"},{"speaker":"Walli Miller","startTime":1164.2,"endTime":1166.93,"body":"with me, but there was like this"},{"speaker":"Walli Miller","startTime":1166.94,"endTime":1168.53,"body":"sense don't, spend your money."},{"speaker":"Walli Miller","startTime":1168.53,"endTime":1171.67,"body":"You could buy things on the cheap or"},{"speaker":"Walli Miller","startTime":1168.53,"endTime":1171.67,"body":"you can buy things less expensive."},{"speaker":"Walli Miller","startTime":1172.05,"endTime":1173.59,"body":"And I love a good coupon."},{"speaker":"Walli Miller","startTime":1173.6,"endTime":1178.2,"body":"Like I have no, no shame in like using"},{"speaker":"Walli Miller","startTime":1173.6,"endTime":1178.2,"body":"a good deal and finding a good deal."},{"speaker":"Walli Miller","startTime":1178.2,"endTime":1181.84,"body":"But there was like this ingrained"},{"speaker":"Walli Miller","startTime":1178.2,"endTime":1181.84,"body":"thought in me after many years."},{"speaker":"Walli Miller","startTime":1181.84,"endTime":1184.32,"body":"And I think I have a really good"},{"speaker":"Walli Miller","startTime":1181.84,"endTime":1184.32,"body":"relationship with money that"},{"speaker":"Walli Miller","startTime":1184.35,"endTime":1186.82,"body":"even today I had that thought."},{"speaker":"Walli Miller","startTime":1187.215,"endTime":1191.655,"body":"Of I can't afford the couch, and"},{"speaker":"Walli Miller","startTime":1187.215,"endTime":1191.655,"body":"I had to capture that thought."},{"speaker":"Walli Miller","startTime":1191.655,"endTime":1195.145,"body":"I became aware that was the thought"},{"speaker":"Walli Miller","startTime":1191.655,"endTime":1195.145,"body":"that I was thinking, and I had to"},{"speaker":"Walli Miller","startTime":1195.145,"endTime":1197.335,"body":"capture and say, Do you believe that?"},{"speaker":"Walli Miller","startTime":1197.605,"endTime":1198.505,"body":"Is that true?"},{"speaker":"Walli Miller","startTime":1198.505,"endTime":1200.265,"body":"Where is the proof to that?"},{"speaker":"Walli Miller","startTime":1200.305,"endTime":1204.445,"body":"And sometimes that's what we have to do"},{"speaker":"Walli Miller","startTime":1200.305,"endTime":1204.445,"body":"when we're thinking about making financial"},{"speaker":"Walli Miller","startTime":1204.445,"endTime":1210.575,"body":"decisions, whether it's a $5 decision or"},{"speaker":"Walli Miller","startTime":1204.445,"endTime":1210.575,"body":"a $5,000 decision or $500,000 decision."},{"speaker":"Walli Miller","startTime":1210.905,"endTime":1213.805,"body":"It's about okay, understanding"},{"speaker":"Walli Miller","startTime":1210.905,"endTime":1213.805,"body":"what the numbers say."},{"speaker":"Walli Miller","startTime":1214.115,"endTime":1219.24,"body":"And then also, checking in with ourselves,"},{"speaker":"Walli Miller","startTime":1214.115,"endTime":1219.24,"body":"checking in with our minds, our heart, our"},{"speaker":"Walli Miller","startTime":1219.24,"endTime":1222.57,"body":"emotions, and seeing how that also feels."},{"speaker":"Walli Miller","startTime":1222.57,"endTime":1226.54,"body":"Cause sometimes we will listen too much to"},{"speaker":"Walli Miller","startTime":1222.57,"endTime":1226.54,"body":"our emotions and forget about the numbers."},{"speaker":"Walli Miller","startTime":1226.86,"endTime":1230.34,"body":"And then other times we focus"},{"speaker":"Walli Miller","startTime":1226.86,"endTime":1230.34,"body":"too much on the numbers."},{"speaker":"Walli Miller","startTime":1230.79,"endTime":1234.04,"body":"And then forget about whether or not"},{"speaker":"Walli Miller","startTime":1230.79,"endTime":1234.04,"body":"it's going to keep us up at night."},{"speaker":"Walli Miller","startTime":1234.37,"endTime":1237.55,"body":"And so I think it's really important"},{"speaker":"Walli Miller","startTime":1234.37,"endTime":1237.55,"body":"that when we're trying to make"},{"speaker":"Walli Miller","startTime":1237.61,"endTime":1241.81,"body":"financial decisions, and when we're"},{"speaker":"Walli Miller","startTime":1237.61,"endTime":1241.81,"body":"thinking about our relationship with"},{"speaker":"Walli Miller","startTime":1241.81,"endTime":1246.69,"body":"money, it's really about why is it"},{"speaker":"Walli Miller","startTime":1241.81,"endTime":1246.69,"body":"that I believe what I believe about."},{"speaker":"Walli Miller","startTime":1246.855,"endTime":1247.885,"body":"X thing, right?"},{"speaker":"Walli Miller","startTime":1247.885,"endTime":1249.885,"body":"Like when people say it's too expensive."},{"speaker":"Walli Miller","startTime":1249.895,"endTime":1251.925,"body":"Who told you it was too expensive?"},{"speaker":"Walli Miller","startTime":1252.215,"endTime":1254.435,"body":"Why do you think it's too expensive?"},{"speaker":"Walli Miller","startTime":1254.675,"endTime":1256.695,"body":"And so I know it sounds a little woo."},{"speaker":"Walli Miller","startTime":1256.725,"endTime":1260.425,"body":"And I will say that when I first started"},{"speaker":"Walli Miller","startTime":1256.725,"endTime":1260.425,"body":"financial coaching, I'm a definitely"},{"speaker":"Walli Miller","startTime":1260.425,"endTime":1262.225,"body":"a money nerd and a numbers nerd."},{"speaker":"Walli Miller","startTime":1262.405,"endTime":1264.075,"body":"And I love talking about that."},{"speaker":"Walli Miller","startTime":1264.305,"endTime":1268.735,"body":"But as I worked with more and more"},{"speaker":"Walli Miller","startTime":1264.305,"endTime":1268.735,"body":"people, I just kept uncovering"},{"speaker":"Walli Miller","startTime":1268.755,"endTime":1270.085,"body":"some of the same blocks."},{"speaker":"Walli Miller","startTime":1270.135,"endTime":1273.435,"body":"And it's if you don't get your mind"},{"speaker":"Walli Miller","startTime":1270.135,"endTime":1273.435,"body":"your money is not going to be right."},{"speaker":"Average Joe Finances","startTime":1274.2,"endTime":1275.1,"body":"Yeah, absolutely."},{"speaker":"Average Joe Finances","startTime":1275.11,"endTime":1281.64,"body":"Mindset is probably the biggest challenge"},{"speaker":"Average Joe Finances","startTime":1275.11,"endTime":1281.64,"body":"that any coach I believe faces in any"},{"speaker":"Average Joe Finances","startTime":1281.64,"endTime":1284.95,"body":"industry, whether you're a financial"},{"speaker":"Average Joe Finances","startTime":1281.64,"endTime":1284.95,"body":"coach or you're a life coach, whatever"},{"speaker":"Average Joe Finances","startTime":1284.95,"endTime":1288.87,"body":"it is, it's always that mindset that"},{"speaker":"Average Joe Finances","startTime":1284.95,"endTime":1288.87,"body":"you have to help your clients like"},{"speaker":"Average Joe Finances","startTime":1288.89,"endTime":1290.87,"body":"overcome and get past that hurdle."},{"speaker":"Average Joe Finances","startTime":1291.27,"endTime":1293.28,"body":"One of the things you were talking about,"},{"speaker":"Average Joe Finances","startTime":1291.27,"endTime":1293.28,"body":"like it doesn't make a difference if it's"},{"speaker":"Average Joe Finances","startTime":1293.29,"endTime":1297.07,"body":"$50, $500, $1,000, $5,000, $500, 000."},{"speaker":"Average Joe Finances","startTime":1297.63,"endTime":1300.02,"body":"It's just more zeros, and"},{"speaker":"Average Joe Finances","startTime":1297.63,"endTime":1300.02,"body":"that's the way you got to look"},{"speaker":"Average Joe Finances","startTime":1300.02,"endTime":1301.63,"body":"at it, it's just more zeros."},{"speaker":"Average Joe Finances","startTime":1302.05,"endTime":1306.01,"body":"And if you have the means to"},{"speaker":"Average Joe Finances","startTime":1302.05,"endTime":1306.01,"body":"make it happen, then forget it."},{"speaker":"Average Joe Finances","startTime":1306.01,"endTime":1307.27,"body":"It's just more zeros."},{"speaker":"Average Joe Finances","startTime":1307.4,"endTime":1307.93,"body":"That's it."},{"speaker":"Average Joe Finances","startTime":1308.34,"endTime":1311.4,"body":"And once you can get to that point where"},{"speaker":"Average Joe Finances","startTime":1308.34,"endTime":1311.4,"body":"you can let some of that stuff go and"},{"speaker":"Average Joe Finances","startTime":1311.4,"endTime":1313.47,"body":"get over that emotional attachment."},{"speaker":"Average Joe Finances","startTime":1313.99,"endTime":1315.16,"body":"You're going to get a lot better."},{"speaker":"Average Joe Finances","startTime":1315.16,"endTime":1316.26,"body":"There's still going to be emotion."},{"speaker":"Average Joe Finances","startTime":1316.29,"endTime":1321.04,"body":"I don't care whether or not you say,"},{"speaker":"Average Joe Finances","startTime":1316.29,"endTime":1321.04,"body":"Oh, all my purchases are emotionless"},{"speaker":"Average Joe Finances","startTime":1321.04,"endTime":1324.57,"body":"and I'm completely, removed from"},{"speaker":"Average Joe Finances","startTime":1321.04,"endTime":1324.57,"body":"that, that, no, that's a lie."},{"speaker":"Average Joe Finances","startTime":1324.81,"endTime":1325.17,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":1325.4,"endTime":1328.6,"body":"If you were to get on a lie detector,"},{"speaker":"Average Joe Finances","startTime":1325.4,"endTime":1328.6,"body":"that thing would be going off like crazy."},{"speaker":"Average Joe Finances","startTime":1329.08,"endTime":1330.67,"body":"But anyway I absolutely love that."},{"speaker":"Average Joe Finances","startTime":1331.25,"endTime":1334.99,"body":"So I wanted to ask you because you said"},{"speaker":"Average Joe Finances","startTime":1331.25,"endTime":1334.99,"body":"when when it came to the couch, you had"},{"speaker":"Average Joe Finances","startTime":1334.99,"endTime":1336.15,"body":"like your own account for it, right?"},{"speaker":"Average Joe Finances","startTime":1336.15,"endTime":1338.04,"body":"So do you do sinking funds?"},{"speaker":"Walli Miller","startTime":1338.56,"endTime":1340.36,"body":"Yes, that's"},{"speaker":"Walli Miller","startTime":1338.56,"endTime":1340.36,"body":"exactly what I did."},{"speaker":"Walli Miller","startTime":1340.71,"endTime":1343.39,"body":"So I had, I was like, I"},{"speaker":"Walli Miller","startTime":1340.71,"endTime":1343.39,"body":"don't want to go into debt."},{"speaker":"Walli Miller","startTime":1343.4,"endTime":1346.95,"body":"And so I say specifically for"},{"speaker":"Walli Miller","startTime":1343.4,"endTime":1346.95,"body":"my home renovation fund and"},{"speaker":"Walli Miller","startTime":1346.96,"endTime":1348.49,"body":"that's what it was there for."},{"speaker":"Average Joe Finances","startTime":1349.2,"endTime":1351.9,"body":"Can you explain"},{"speaker":"Average Joe Finances","startTime":1349.2,"endTime":1351.9,"body":"what sinking funds are for the listeners?"},{"speaker":"Walli Miller","startTime":1352.23,"endTime":1353.39,"body":"Yeah, absolutely."},{"speaker":"Walli Miller","startTime":1353.64,"endTime":1358.67,"body":"So a lot of times what we'll do is we"},{"speaker":"Walli Miller","startTime":1353.64,"endTime":1358.67,"body":"go on the vacation, put it on a credit"},{"speaker":"Walli Miller","startTime":1358.67,"endTime":1363.62,"body":"card, come back and then be worried to"},{"speaker":"Walli Miller","startTime":1358.67,"endTime":1363.62,"body":"open up our credit card transactions or"},{"speaker":"Walli Miller","startTime":1363.62,"endTime":1365.43,"body":"open up the credit card statement, right?"},{"speaker":"Walli Miller","startTime":1365.43,"endTime":1367.2,"body":"And we just deal with it later."},{"speaker":"Walli Miller","startTime":1367.55,"endTime":1371.89,"body":"And really to avoid that one of the"},{"speaker":"Walli Miller","startTime":1367.55,"endTime":1371.89,"body":"ways to avoid or minimize that, right?"},{"speaker":"Walli Miller","startTime":1371.91,"endTime":1374.345,"body":"Maybe even eliminate that is to yeah."},{"speaker":"Walli Miller","startTime":1374.345,"endTime":1377.415,"body":"Save little by little"},{"speaker":"Walli Miller","startTime":1374.345,"endTime":1377.415,"body":"until you reach your goal."},{"speaker":"Walli Miller","startTime":1377.655,"endTime":1381.495,"body":"So if next year you're going to take"},{"speaker":"Walli Miller","startTime":1377.655,"endTime":1381.495,"body":"your family on a vacation, maybe go"},{"speaker":"Walli Miller","startTime":1381.495,"endTime":1383.525,"body":"visit Mike down in Hawaii, right?"},{"speaker":"Walli Miller","startTime":1383.525,"endTime":1386.975,"body":"You know that you're going to"},{"speaker":"Walli Miller","startTime":1383.525,"endTime":1386.975,"body":"go ahead and have that vacation."},{"speaker":"Walli Miller","startTime":1387.285,"endTime":1390.815,"body":"Think about, okay, this is the"},{"speaker":"Walli Miller","startTime":1387.285,"endTime":1390.815,"body":"amount of money that we probably"},{"speaker":"Walli Miller","startTime":1390.815,"endTime":1395.345,"body":"need and then divide it by the number"},{"speaker":"Walli Miller","startTime":1390.815,"endTime":1395.345,"body":"of months or the number of years"},{"speaker":"Walli Miller","startTime":1395.345,"endTime":1396.715,"body":"that it will take you to get there."},{"speaker":"Walli Miller","startTime":1396.755,"endTime":1397.745,"body":"So this could be done."},{"speaker":"Walli Miller","startTime":1397.89,"endTime":1401.65,"body":"For whether or not, again, you're"},{"speaker":"Walli Miller","startTime":1397.89,"endTime":1401.65,"body":"making a $500 purchase, a $5,000"},{"speaker":"Walli Miller","startTime":1401.67,"endTime":1405.22,"body":"purchase, or if you're saving for"},{"speaker":"Walli Miller","startTime":1401.67,"endTime":1405.22,"body":"your first home down payment, right?"},{"speaker":"Walli Miller","startTime":1405.5,"endTime":1410.63,"body":"And so a sinking fund, literally, I say"},{"speaker":"Walli Miller","startTime":1405.5,"endTime":1410.63,"body":"it's an encouragement suspense, because"},{"speaker":"Walli Miller","startTime":1410.64,"endTime":1415.61,"body":"once you hit your goal, then you can"},{"speaker":"Walli Miller","startTime":1410.64,"endTime":1415.61,"body":"feel confident in spending that money."},{"speaker":"Walli Miller","startTime":1415.62,"endTime":1419.33,"body":"Now, I will say some of my"},{"speaker":"Walli Miller","startTime":1415.62,"endTime":1419.33,"body":"clients have It's finally safe"},{"speaker":"Walli Miller","startTime":1419.34,"endTime":1423.33,"body":"for their first vacation, and"},{"speaker":"Walli Miller","startTime":1419.34,"endTime":1423.33,"body":"then the mind drama comes, right?"},{"speaker":"Walli Miller","startTime":1423.37,"endTime":1429.03,"body":"So if they were used to spending $3,000"},{"speaker":"Walli Miller","startTime":1423.37,"endTime":1429.03,"body":"on a vacation, and now they say $3,000"},{"speaker":"Walli Miller","startTime":1429.05,"endTime":1433.33,"body":"and they see that lump of, that sort"},{"speaker":"Walli Miller","startTime":1429.05,"endTime":1433.33,"body":"of that sum of money now the mind"},{"speaker":"Walli Miller","startTime":1433.33,"endTime":1437.39,"body":"drama happens of Oh, we can't spend"},{"speaker":"Walli Miller","startTime":1433.33,"endTime":1437.39,"body":"$3,000 on a vacation when they used"},{"speaker":"Walli Miller","startTime":1437.39,"endTime":1439.08,"body":"to spend the same amount of money."},{"speaker":"Walli Miller","startTime":1439.265,"endTime":1442.205,"body":"Or more because they were"},{"speaker":"Walli Miller","startTime":1439.265,"endTime":1442.205,"body":"paying fees and interest."},{"speaker":"Average Joe Finances","startTime":1442.625,"endTime":1443.805,"body":"And they"},{"speaker":"Average Joe Finances","startTime":1442.625,"endTime":1443.805,"body":"were just swiping the card."},{"speaker":"Average Joe Finances","startTime":1443.915,"endTime":1445.285,"body":"There was no numbers in front of them."},{"speaker":"Walli Miller","startTime":1445.675,"endTime":1447.405,"body":"There was no"},{"speaker":"Walli Miller","startTime":1445.675,"endTime":1447.405,"body":"numbers in front of them."},{"speaker":"Walli Miller","startTime":1447.405,"endTime":1451.685,"body":"So there will be, this is again,"},{"speaker":"Walli Miller","startTime":1447.405,"endTime":1451.685,"body":"back to where we started, which is"},{"speaker":"Walli Miller","startTime":1451.695,"endTime":1455.505,"body":"like that relationship with money"},{"speaker":"Walli Miller","startTime":1451.695,"endTime":1455.505,"body":"and how we interact with money and"},{"speaker":"Walli Miller","startTime":1455.505,"endTime":1458.005,"body":"like building that healthier habit."},{"speaker":"Walli Miller","startTime":1458.315,"endTime":1464.68,"body":"So a sinking fund is essentially if you"},{"speaker":"Walli Miller","startTime":1458.315,"endTime":1464.68,"body":"have a goal to, save 1, 000 Christmas is"},{"speaker":"Walli Miller","startTime":1464.68,"endTime":1467.76,"body":"right around the corner of the holiday"},{"speaker":"Walli Miller","startTime":1464.68,"endTime":1467.76,"body":"season is right around the corner, right?"},{"speaker":"Walli Miller","startTime":1468.11,"endTime":1470.43,"body":"We're talking about November,"},{"speaker":"Walli Miller","startTime":1468.11,"endTime":1470.43,"body":"December, January, some of"},{"speaker":"Walli Miller","startTime":1470.45,"endTime":1471.7,"body":"the most expensive months."},{"speaker":"Walli Miller","startTime":1471.7,"endTime":1478.965,"body":"It's what's coming how can you make sure"},{"speaker":"Walli Miller","startTime":1471.7,"endTime":1478.965,"body":"that you leave that time period you enter"},{"speaker":"Walli Miller","startTime":1478.965,"endTime":1483.765,"body":"the new year with that The least amount"},{"speaker":"Walli Miller","startTime":1478.965,"endTime":1483.765,"body":"of damage possible and one of that is by"},{"speaker":"Walli Miller","startTime":1483.795,"endTime":1488.425,"body":"thinking okay How much money do I need"},{"speaker":"Walli Miller","startTime":1483.795,"endTime":1488.425,"body":"to save every week or every paycheck or"},{"speaker":"Walli Miller","startTime":1488.455,"endTime":1491.555,"body":"every month until the holiday season?"},{"speaker":"Walli Miller","startTime":1491.865,"endTime":1494.795,"body":"So that I can have that money"},{"speaker":"Walli Miller","startTime":1491.865,"endTime":1494.795,"body":"and be able to spend it."},{"speaker":"Walli Miller","startTime":1494.845,"endTime":1497.365,"body":"Guilt free because i've"},{"speaker":"Walli Miller","startTime":1494.845,"endTime":1497.365,"body":"actually planned for it."},{"speaker":"Average Joe Finances","startTime":1498.14,"endTime":1500.34,"body":"Yeah, I,"},{"speaker":"Average Joe Finances","startTime":1498.14,"endTime":1500.34,"body":"Walli, I absolutely love that."},{"speaker":"Average Joe Finances","startTime":1500.35,"endTime":1502.26,"body":"And that's why I wanted"},{"speaker":"Average Joe Finances","startTime":1500.35,"endTime":1502.26,"body":"to bring up sinking funds."},{"speaker":"Average Joe Finances","startTime":1502.32,"endTime":1505.1,"body":"Because when you described that, I was"},{"speaker":"Average Joe Finances","startTime":1502.32,"endTime":1505.1,"body":"like, it sounds like sinking funds to me."},{"speaker":"Average Joe Finances","startTime":1505.15,"endTime":1507.3,"body":"If you go to my YouTube channel,"},{"speaker":"Average Joe Finances","startTime":1505.15,"endTime":1507.3,"body":"like that's literally like my"},{"speaker":"Average Joe Finances","startTime":1507.3,"endTime":1510.65,"body":"intro video is a TikTok that I"},{"speaker":"Average Joe Finances","startTime":1507.3,"endTime":1510.65,"body":"did where I was explaining sinking"},{"speaker":"Average Joe Finances","startTime":1510.65,"endTime":1512.66,"body":"funds to another version of myself."},{"speaker":"Average Joe Finances","startTime":1512.71,"endTime":1517.25,"body":"And because sinking funds for me has a"},{"speaker":"Average Joe Finances","startTime":1512.71,"endTime":1517.25,"body":"very special place in my heart because"},{"speaker":"Average Joe Finances","startTime":1517.25,"endTime":1518.9,"body":"it's actually how I paid off all my debt."},{"speaker":"Average Joe Finances","startTime":1519.22,"endTime":1519.51,"body":"Yes."},{"speaker":"Average Joe Finances","startTime":1519.51,"endTime":1523.53,"body":"I did the snowball method and"},{"speaker":"Average Joe Finances","startTime":1519.51,"endTime":1523.53,"body":"everything, but when it came to Keeping"},{"speaker":"Average Joe Finances","startTime":1523.54,"endTime":1526.84,"body":"everything else afloat, sinking funds"},{"speaker":"Average Joe Finances","startTime":1523.54,"endTime":1526.84,"body":"is what made that happen, right?"},{"speaker":"Average Joe Finances","startTime":1526.84,"endTime":1529.84,"body":"Like I had my own account"},{"speaker":"Average Joe Finances","startTime":1526.84,"endTime":1529.84,"body":"for the pets and the vet."},{"speaker":"Average Joe Finances","startTime":1530.1,"endTime":1533.18,"body":"I had my own account for the"},{"speaker":"Average Joe Finances","startTime":1530.1,"endTime":1533.18,"body":"car payment and car maintenance."},{"speaker":"Average Joe Finances","startTime":1533.49,"endTime":1536.53,"body":"I had my own account for the the"},{"speaker":"Average Joe Finances","startTime":1533.49,"endTime":1536.53,"body":"mortgage or the rent, wherever"},{"speaker":"Average Joe Finances","startTime":1536.53,"endTime":1537.53,"body":"we were living at the time."},{"speaker":"Average Joe Finances","startTime":1537.995,"endTime":1541.885,"body":"I had another account for, we had like"},{"speaker":"Average Joe Finances","startTime":1537.995,"endTime":1541.885,"body":"fun money account where this is the money"},{"speaker":"Average Joe Finances","startTime":1541.885,"endTime":1545.605,"body":"that we can use to spend on the month to"},{"speaker":"Average Joe Finances","startTime":1541.885,"endTime":1545.605,"body":"go out to eat or to do something with the"},{"speaker":"Average Joe Finances","startTime":1545.605,"endTime":1547.195,"body":"kids, go to the movies, whatever it is."},{"speaker":"Average Joe Finances","startTime":1547.605,"endTime":1550.895,"body":"And of course that one did not get"},{"speaker":"Average Joe Finances","startTime":1547.605,"endTime":1550.895,"body":"enough, as much love as all the other"},{"speaker":"Average Joe Finances","startTime":1550.895,"endTime":1554.515,"body":"accounts, because that was the, the"},{"speaker":"Average Joe Finances","startTime":1550.895,"endTime":1554.515,"body":"tightening up and being frugal part of it."},{"speaker":"Average Joe Finances","startTime":1554.565,"endTime":1555.625,"body":"But at the same time."},{"speaker":"Average Joe Finances","startTime":1556.27,"endTime":1559.87,"body":"It's one of those things, like what"},{"speaker":"Average Joe Finances","startTime":1556.27,"endTime":1559.87,"body":"you pointed out there, with the family,"},{"speaker":"Average Joe Finances","startTime":1559.88,"endTime":1563.24,"body":"with the vacation and they, they spend"},{"speaker":"Average Joe Finances","startTime":1559.88,"endTime":1563.24,"body":"$3,000 and all of a sudden they see"},{"speaker":"Average Joe Finances","startTime":1563.24,"endTime":1566.91,"body":"that money there and it's oh wow,"},{"speaker":"Average Joe Finances","startTime":1563.24,"endTime":1566.91,"body":"okay it's actually in our account."},{"speaker":"Average Joe Finances","startTime":1567.44,"endTime":1569.15,"body":"Do we really want to spend this?"},{"speaker":"Average Joe Finances","startTime":1569.46,"endTime":1572.58,"body":"So sometimes it could be like"},{"speaker":"Average Joe Finances","startTime":1569.46,"endTime":1572.58,"body":"a double edged sword, right?"},{"speaker":"Average Joe Finances","startTime":1572.58,"endTime":1574.84,"body":"Because you're like, you"},{"speaker":"Average Joe Finances","startTime":1572.58,"endTime":1574.84,"body":"saved for that vacation."},{"speaker":"Average Joe Finances","startTime":1574.84,"endTime":1575.44,"body":"You earned it."},{"speaker":"Average Joe Finances","startTime":1575.44,"endTime":1577.88,"body":"And now it's time to go execute that."},{"speaker":"Average Joe Finances","startTime":1578.48,"endTime":1579.8,"body":"But now you're having second thoughts."},{"speaker":"Average Joe Finances","startTime":1579.8,"endTime":1580.28,"body":"Cause you're like."},{"speaker":"Average Joe Finances","startTime":1580.73,"endTime":1584.03,"body":"I could put this money into something else"},{"speaker":"Average Joe Finances","startTime":1580.73,"endTime":1584.03,"body":"or maybe I could dump it into more debt,"},{"speaker":"Average Joe Finances","startTime":1584.04,"endTime":1587.96,"body":"or maybe I can invest it into something"},{"speaker":"Average Joe Finances","startTime":1584.04,"endTime":1587.96,"body":"and, so you start asking those questions."},{"speaker":"Average Joe Finances","startTime":1588.01,"endTime":1591.14,"body":"One of the things that I look at"},{"speaker":"Average Joe Finances","startTime":1588.01,"endTime":1591.14,"body":"is if you have a month, have that"},{"speaker":"Average Joe Finances","startTime":1591.14,"endTime":1594.18,"body":"money in a specific account for that"},{"speaker":"Average Joe Finances","startTime":1591.14,"endTime":1594.18,"body":"specific thing, that's what it's for."},{"speaker":"Average Joe Finances","startTime":1594.48,"endTime":1595.57,"body":"So go treat yourself."},{"speaker":"Average Joe Finances","startTime":1595.57,"endTime":1597.895,"body":"Don't beat yourself up about it, and."},{"speaker":"Average Joe Finances","startTime":1598.095,"endTime":1599.165,"body":"You earned it, right?"},{"speaker":"Average Joe Finances","startTime":1599.445,"endTime":1603.635,"body":"I, one of the things I always love to"},{"speaker":"Average Joe Finances","startTime":1599.445,"endTime":1603.635,"body":"talk about is celebrating small victories."},{"speaker":"Average Joe Finances","startTime":1603.645,"endTime":1607.115,"body":"If you pay off a credit card balance"},{"speaker":"Average Joe Finances","startTime":1603.645,"endTime":1607.115,"body":"or anything like that, take a little"},{"speaker":"Average Joe Finances","startTime":1607.115,"endTime":1611.015,"body":"bit of extra cash, go out to dinner,"},{"speaker":"Average Joe Finances","startTime":1607.115,"endTime":1611.015,"body":"go celebrate, because if you sit"},{"speaker":"Average Joe Finances","startTime":1611.015,"endTime":1615.15,"body":"there and you start paying all these"},{"speaker":"Average Joe Finances","startTime":1611.015,"endTime":1615.15,"body":"things off and you find yourself."},{"speaker":"Average Joe Finances","startTime":1615.25,"endTime":1618.04,"body":"Not celebrating your wins"},{"speaker":"Average Joe Finances","startTime":1615.25,"endTime":1618.04,"body":"and you're just back to back."},{"speaker":"Average Joe Finances","startTime":1618.04,"endTime":1618.25,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":1618.25,"endTime":1619.0,"body":"I'm just going to pay this off."},{"speaker":"Average Joe Finances","startTime":1619.01,"endTime":1619.58,"body":"I'm going to pay this off."},{"speaker":"Average Joe Finances","startTime":1619.6,"endTime":1620.29,"body":"I'm going to pay this off."},{"speaker":"Average Joe Finances","startTime":1620.93,"endTime":1624.15,"body":"It starts to become very monotonous"},{"speaker":"Average Joe Finances","startTime":1620.93,"endTime":1624.15,"body":"and very, not something you're"},{"speaker":"Average Joe Finances","startTime":1624.16,"endTime":1625.28,"body":"having too much fun with."},{"speaker":"Average Joe Finances","startTime":1625.33,"endTime":1626.37,"body":"So if you go,"},{"speaker":"Walli Miller","startTime":1627.0,"endTime":1629.16,"body":"yeah, like"},{"speaker":"Walli Miller","startTime":1627.0,"endTime":1629.16,"body":"a road to deprivation."},{"speaker":"Average Joe Finances","startTime":1629.61,"endTime":1630.76,"body":"Yes, exactly."},{"speaker":"Average Joe Finances","startTime":1630.79,"endTime":1632.07,"body":"Don't deprive yourself."},{"speaker":"Walli Miller","startTime":1632.18,"endTime":1632.57,"body":"Right?"},{"speaker":"Walli Miller","startTime":1632.87,"endTime":1636.3,"body":"And there's a difference"},{"speaker":"Walli Miller","startTime":1632.87,"endTime":1636.3,"body":"between, short term sacrifices."},{"speaker":"Walli Miller","startTime":1636.3,"endTime":1641.28,"body":"But also I, and I will say that frugal"},{"speaker":"Walli Miller","startTime":1636.3,"endTime":1641.28,"body":"in your way to wealth is possible."},{"speaker":"Walli Miller","startTime":1641.33,"endTime":1642.22,"body":"100%."},{"speaker":"Walli Miller","startTime":1642.67,"endTime":1646.6,"body":"I don't know about you, Mike, but I don't"},{"speaker":"Walli Miller","startTime":1642.67,"endTime":1646.6,"body":"want to be frugal my way to wealth, right?"},{"speaker":"Walli Miller","startTime":1646.64,"endTime":1650.77,"body":"I want to spend money on the things"},{"speaker":"Walli Miller","startTime":1646.64,"endTime":1650.77,"body":"that I value unapologetically."},{"speaker":"Walli Miller","startTime":1651.06,"endTime":1654.08,"body":"And then the things that I don't"},{"speaker":"Walli Miller","startTime":1651.06,"endTime":1654.08,"body":"really care about the things that are"},{"speaker":"Walli Miller","startTime":1654.28,"endTime":1656.65,"body":"sucking my energy and sucking my time."},{"speaker":"Walli Miller","startTime":1656.65,"endTime":1656.9,"body":"Okay."},{"speaker":"Walli Miller","startTime":1657.305,"endTime":1660.465,"body":"And, that I don't even remember"},{"speaker":"Walli Miller","startTime":1657.305,"endTime":1660.465,"body":"that I don't care about."},{"speaker":"Walli Miller","startTime":1660.675,"endTime":1661.945,"body":"I don't want to spend money on that."},{"speaker":"Walli Miller","startTime":1661.945,"endTime":1664.775,"body":"And so it's really picking out"},{"speaker":"Walli Miller","startTime":1661.945,"endTime":1664.775,"body":"the things that you do value."},{"speaker":"Walli Miller","startTime":1665.115,"endTime":1668.635,"body":"And I will say, to your point of"},{"speaker":"Walli Miller","startTime":1665.115,"endTime":1668.635,"body":"sometimes it can be a double edged sword."},{"speaker":"Walli Miller","startTime":1668.635,"endTime":1672.435,"body":"If you've saved for a specific goal and"},{"speaker":"Walli Miller","startTime":1668.635,"endTime":1672.435,"body":"now you're like, Oh, should I release it?"},{"speaker":"Walli Miller","startTime":1672.785,"endTime":1674.035,"body":"This really happens."},{"speaker":"Walli Miller","startTime":1674.105,"endTime":1678.115,"body":"And I will give my clients a homework"},{"speaker":"Walli Miller","startTime":1674.105,"endTime":1678.115,"body":"assignment of coming back from that"},{"speaker":"Walli Miller","startTime":1678.115,"endTime":1680.205,"body":"vacation with 0 in that account."},{"speaker":"Walli Miller","startTime":1680.275,"endTime":1685.265,"body":"Because sometimes it's like learning"},{"speaker":"Walli Miller","startTime":1680.275,"endTime":1685.265,"body":"also how to spend money and this we"},{"speaker":"Walli Miller","startTime":1685.265,"endTime":1689.165,"body":"can see even we were talking before"},{"speaker":"Walli Miller","startTime":1685.265,"endTime":1689.165,"body":"this, the financial independence"},{"speaker":"Walli Miller","startTime":1689.175,"endTime":1690.855,"body":"retiring early community, right?"},{"speaker":"Walli Miller","startTime":1691.355,"endTime":1695.035,"body":"We get so focused on the"},{"speaker":"Walli Miller","startTime":1691.355,"endTime":1695.035,"body":"accumulation phase, right?"},{"speaker":"Walli Miller","startTime":1695.365,"endTime":1699.975,"body":"And then we want to go on the preservation"},{"speaker":"Walli Miller","startTime":1695.365,"endTime":1699.975,"body":"phase and totally forget, the whole"},{"speaker":"Walli Miller","startTime":1699.975,"endTime":1703.735,"body":"reason you're doing that is so that"},{"speaker":"Walli Miller","startTime":1699.975,"endTime":1703.735,"body":"you can spend money right so that"},{"speaker":"Walli Miller","startTime":1703.735,"endTime":1707.885,"body":"you can live the life that you want"},{"speaker":"Walli Miller","startTime":1703.735,"endTime":1707.885,"body":"so you can have that life design."},{"speaker":"Walli Miller","startTime":1708.235,"endTime":1713.235,"body":"And so it is really important to"},{"speaker":"Walli Miller","startTime":1708.235,"endTime":1713.235,"body":"make sure that I hate using the word"},{"speaker":"Walli Miller","startTime":1713.245,"endTime":1717.885,"body":"balance because I don't think things"},{"speaker":"Walli Miller","startTime":1713.245,"endTime":1717.885,"body":"can really 100 percent be balanced,"},{"speaker":"Walli Miller","startTime":1717.905,"endTime":1722.195,"body":"but I think it's about valuing"},{"speaker":"Walli Miller","startTime":1717.905,"endTime":1722.195,"body":"right make sure you are valuing."},{"speaker":"Walli Miller","startTime":1722.675,"endTime":1725.155,"body":"That you're spending money on the"},{"speaker":"Walli Miller","startTime":1722.675,"endTime":1725.155,"body":"things that you're valuing and"},{"speaker":"Walli Miller","startTime":1725.185,"endTime":1727.265,"body":"understand what it is that you value."},{"speaker":"Walli Miller","startTime":1727.335,"endTime":1728.985,"body":"And no one can determine that for you."},{"speaker":"Walli Miller","startTime":1729.015,"endTime":1729.665,"body":"Only you."},{"speaker":"Average Joe Finances","startTime":1731.115,"endTime":1731.435,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1731.985,"endTime":1735.985,"body":"Absolutely love that Walli, because"},{"speaker":"Average Joe Finances","startTime":1731.985,"endTime":1735.985,"body":"it's all about, the decisions"},{"speaker":"Average Joe Finances","startTime":1735.985,"endTime":1737.295,"body":"and choices that you make."},{"speaker":"Average Joe Finances","startTime":1737.385,"endTime":1739.935,"body":"And what's important to you, right?"},{"speaker":"Average Joe Finances","startTime":1739.985,"endTime":1741.695,"body":"What you're going to use"},{"speaker":"Average Joe Finances","startTime":1739.985,"endTime":1741.695,"body":"that money for, right?"},{"speaker":"Average Joe Finances","startTime":1741.725,"endTime":1743.015,"body":"What is the important things?"},{"speaker":"Average Joe Finances","startTime":1743.62,"endTime":1746.48,"body":"That, that you find valuable in your life."},{"speaker":"Average Joe Finances","startTime":1746.89,"endTime":1748.13,"body":"And that's why I want to ask you too."},{"speaker":"Average Joe Finances","startTime":1748.13,"endTime":1752.92,"body":"So as a coach I've seen a lot of folks"},{"speaker":"Average Joe Finances","startTime":1748.13,"endTime":1752.92,"body":"that have some serious debt and they're"},{"speaker":"Average Joe Finances","startTime":1752.92,"endTime":1757.32,"body":"like, Hey, my goal is to pay off all of"},{"speaker":"Average Joe Finances","startTime":1752.92,"endTime":1757.32,"body":"all of my debt before I start investing,"},{"speaker":"Average Joe Finances","startTime":1757.62,"endTime":1758.52,"body":"what are your thoughts on that?"},{"speaker":"Average Joe Finances","startTime":1758.52,"endTime":1762.24,"body":"What if somebody is in debt, but"},{"speaker":"Average Joe Finances","startTime":1758.52,"endTime":1762.24,"body":"they want to start investing while"},{"speaker":"Average Joe Finances","startTime":1762.24,"endTime":1763.69,"body":"continuing to pay down their debt?"},{"speaker":"Average Joe Finances","startTime":1763.7,"endTime":1765.79,"body":"What would you say to somebody"},{"speaker":"Average Joe Finances","startTime":1763.7,"endTime":1765.79,"body":"that, that approach you like that?"},{"speaker":"Average Joe Finances","startTime":1765.79,"endTime":1768.93,"body":"Because I feel like I know what your"},{"speaker":"Average Joe Finances","startTime":1765.79,"endTime":1768.93,"body":"answer is going to be just based off"},{"speaker":"Average Joe Finances","startTime":1768.93,"endTime":1772.16,"body":"the conversation we've been having and"},{"speaker":"Average Joe Finances","startTime":1768.93,"endTime":1772.16,"body":"talking about what you value in life."},{"speaker":"Average Joe Finances","startTime":1772.16,"endTime":1774.86,"body":"But I'm curious, if you've"},{"speaker":"Average Joe Finances","startTime":1772.16,"endTime":1774.86,"body":"actually ever had to deal with"},{"speaker":"Average Joe Finances","startTime":1774.86,"endTime":1776.1,"body":"that at all too with any clients."},{"speaker":"Walli Miller","startTime":1776.15,"endTime":1780.21,"body":"Yeah, I definitely"},{"speaker":"Walli Miller","startTime":1776.15,"endTime":1780.21,"body":"have some people who have six figures"},{"speaker":"Walli Miller","startTime":1780.21,"endTime":1783.46,"body":"of debt and they're like usually"},{"speaker":"Walli Miller","startTime":1780.21,"endTime":1783.46,"body":"it's from student loans, right?"},{"speaker":"Walli Miller","startTime":1783.46,"endTime":1785.98,"body":"So they have six figures of student"},{"speaker":"Walli Miller","startTime":1783.46,"endTime":1785.98,"body":"loan debt and they're like, look,"},{"speaker":"Walli Miller","startTime":1786.01,"endTime":1789.46,"body":"I'm gonna have that debt for a long"},{"speaker":"Walli Miller","startTime":1786.01,"endTime":1789.46,"body":"time, but I wanna be wealth building."},{"speaker":"Walli Miller","startTime":1789.46,"endTime":1791.47,"body":"And they've made that decision to do both."},{"speaker":"Walli Miller","startTime":1791.88,"endTime":1796.2,"body":"But then I have some clients who are like,"},{"speaker":"Walli Miller","startTime":1791.88,"endTime":1796.2,"body":"I don't know what's the best decision."},{"speaker":"Walli Miller","startTime":1796.35,"endTime":1799.32,"body":"And again, I think we have"},{"speaker":"Walli Miller","startTime":1796.35,"endTime":1799.32,"body":"to go back to the why."},{"speaker":"Walli Miller","startTime":1799.635,"endTime":1804.295,"body":"Cause being debt free for the sake"},{"speaker":"Walli Miller","startTime":1799.635,"endTime":1804.295,"body":"of being debt free is all cool, but"},{"speaker":"Walli Miller","startTime":1804.295,"endTime":1806.045,"body":"is that going to keep you motivated?"},{"speaker":"Walli Miller","startTime":1806.065,"endTime":1809.185,"body":"And is that going to let you live"},{"speaker":"Walli Miller","startTime":1806.065,"endTime":1809.185,"body":"the life that you want to live?"},{"speaker":"Walli Miller","startTime":1809.455,"endTime":1814.345,"body":"Not just today and tomorrow, but five"},{"speaker":"Walli Miller","startTime":1809.455,"endTime":1814.345,"body":"years from now or 20 years from now."},{"speaker":"Walli Miller","startTime":1814.675,"endTime":1817.055,"body":"So I think, What's the math behind it?"},{"speaker":"Walli Miller","startTime":1817.055,"endTime":1817.325,"body":"Sure."},{"speaker":"Walli Miller","startTime":1817.325,"endTime":1818.415,"body":"We can go over the math."},{"speaker":"Walli Miller","startTime":1818.525,"endTime":1821.735,"body":"So if you focus on paying debt"},{"speaker":"Walli Miller","startTime":1818.525,"endTime":1821.735,"body":"first, this is what it looks like."},{"speaker":"Walli Miller","startTime":1821.735,"endTime":1823.355,"body":"And then you waited to invest."},{"speaker":"Walli Miller","startTime":1823.355,"endTime":1824.535,"body":"This is what that looks like."},{"speaker":"Walli Miller","startTime":1824.535,"endTime":1829.805,"body":"And of course we know the sooner you"},{"speaker":"Walli Miller","startTime":1824.535,"endTime":1829.805,"body":"get started investing, the better it is."},{"speaker":"Walli Miller","startTime":1830.315,"endTime":1834.235,"body":"But I think, looking at what those numbers"},{"speaker":"Walli Miller","startTime":1830.315,"endTime":1834.235,"body":"actually are, what would it look like?"},{"speaker":"Walli Miller","startTime":1834.235,"endTime":1834.535,"body":"Okay."},{"speaker":"Walli Miller","startTime":1834.535,"endTime":1838.205,"body":"If I maybe had to pay off my"},{"speaker":"Walli Miller","startTime":1834.535,"endTime":1838.205,"body":"debt a little slower, right?"},{"speaker":"Walli Miller","startTime":1838.225,"endTime":1841.845,"body":"And do it a little slower, but I'm"},{"speaker":"Walli Miller","startTime":1838.225,"endTime":1841.845,"body":"also building wealth on the other end."},{"speaker":"Walli Miller","startTime":1842.445,"endTime":1843.295,"body":"Can I do that?"},{"speaker":"Walli Miller","startTime":1843.345,"endTime":1846.935,"body":"And what those numbers will look like"},{"speaker":"Walli Miller","startTime":1843.345,"endTime":1846.935,"body":"and really understanding what is it"},{"speaker":"Walli Miller","startTime":1846.935,"endTime":1848.735,"body":"that you want to accomplish, right?"},{"speaker":"Walli Miller","startTime":1848.765,"endTime":1850.605,"body":"Is your goal to retire early?"},{"speaker":"Walli Miller","startTime":1850.615,"endTime":1852.445,"body":"Is your goal to be"},{"speaker":"Walli Miller","startTime":1850.615,"endTime":1852.445,"body":"financially independent?"},{"speaker":"Walli Miller","startTime":1852.475,"endTime":1855.235,"body":"Is your goal to, be work optional, right?"},{"speaker":"Walli Miller","startTime":1855.275,"endTime":1859.015,"body":"So really understanding, and"},{"speaker":"Walli Miller","startTime":1855.275,"endTime":1859.015,"body":"sometimes clients don't know this."},{"speaker":"Walli Miller","startTime":1859.015,"endTime":1859.515,"body":"I think."},{"speaker":"Walli Miller","startTime":1859.915,"endTime":1864.265,"body":"Somewhere between when we're born"},{"speaker":"Walli Miller","startTime":1859.915,"endTime":1864.265,"body":"and when we get to adulthood, like"},{"speaker":"Walli Miller","startTime":1864.275,"endTime":1866.765,"body":"we are taught that dreaming is bad."},{"speaker":"Walli Miller","startTime":1866.805,"endTime":1871.935,"body":"And so even trying to figure out what"},{"speaker":"Walli Miller","startTime":1866.805,"endTime":1871.935,"body":"a goal looks like can be a little"},{"speaker":"Walli Miller","startTime":1871.945,"endTime":1873.895,"body":"nebulous, can be a little hard, right?"},{"speaker":"Walli Miller","startTime":1873.895,"endTime":1876.425,"body":"People like, okay if I could just"},{"speaker":"Walli Miller","startTime":1873.895,"endTime":1876.425,"body":"pay off this credit card debt,"},{"speaker":"Walli Miller","startTime":1876.435,"endTime":1877.975,"body":"like I'll be happy with that."},{"speaker":"Walli Miller","startTime":1877.975,"endTime":1879.165,"body":"And I'm like, okay, great."},{"speaker":"Walli Miller","startTime":1879.415,"endTime":1881.885,"body":"What about if you could pay off"},{"speaker":"Walli Miller","startTime":1879.415,"endTime":1881.885,"body":"that credit card debt and also"},{"speaker":"Walli Miller","startTime":1881.885,"endTime":1886.105,"body":"have an emergency fund and also"},{"speaker":"Walli Miller","startTime":1881.885,"endTime":1886.105,"body":"have a nice nest egg there?"},{"speaker":"Walli Miller","startTime":1886.185,"endTime":1887.305,"body":"What would that feel like?"},{"speaker":"Walli Miller","startTime":1887.405,"endTime":1892.055,"body":"People, if you've been stuck in that"},{"speaker":"Walli Miller","startTime":1887.405,"endTime":1892.055,"body":"sort of if you've been stuck in that"},{"speaker":"Walli Miller","startTime":1892.095,"endTime":1894.735,"body":"overwhelm and also avoidance feeling."},{"speaker":"Walli Miller","startTime":1895.475,"endTime":1898.025,"body":"It can be hard to even think"},{"speaker":"Walli Miller","startTime":1895.475,"endTime":1898.025,"body":"that is possible, right?"},{"speaker":"Walli Miller","startTime":1898.025,"endTime":1900.665,"body":"And, but that's what makes"},{"speaker":"Walli Miller","startTime":1898.025,"endTime":1900.665,"body":"our job so wonderful, right?"},{"speaker":"Walli Miller","startTime":1900.665,"endTime":1905.235,"body":"Is like showing people the"},{"speaker":"Walli Miller","startTime":1900.665,"endTime":1905.235,"body":"possibility of their options, right?"},{"speaker":"Walli Miller","startTime":1905.255,"endTime":1906.675,"body":"Of what their options look like."},{"speaker":"Average Joe Finances","startTime":1908.155,"endTime":1911.565,"body":"Walli, absolutely"},{"speaker":"Average Joe Finances","startTime":1908.155,"endTime":1911.565,"body":"love that because, and that's very"},{"speaker":"Average Joe Finances","startTime":1911.565,"endTime":1914.525,"body":"refreshing to hear because there's a"},{"speaker":"Average Joe Finances","startTime":1911.565,"endTime":1914.525,"body":"lot of times I've talked with other"},{"speaker":"Average Joe Finances","startTime":1914.525,"endTime":1915.965,"body":"financial coaches, they're like, Oh no."},{"speaker":"Average Joe Finances","startTime":1916.385,"endTime":1917.585,"body":"Always got to pay off the debt first."},{"speaker":"Average Joe Finances","startTime":1917.585,"endTime":1918.625,"body":"I was going to pay off the debt first."},{"speaker":"Average Joe Finances","startTime":1918.625,"endTime":1919.495,"body":"Like they're very in that."},{"speaker":"Average Joe Finances","startTime":1919.71,"endTime":1921.4,"body":"That Dave Ramsey mode, right?"},{"speaker":"Average Joe Finances","startTime":1921.76,"endTime":1923.73,"body":"And I get that to a point, right?"},{"speaker":"Average Joe Finances","startTime":1923.75,"endTime":1928.04,"body":"If there's, if you have some really high"},{"speaker":"Average Joe Finances","startTime":1923.75,"endTime":1928.04,"body":"interest credit card debt, definitely"},{"speaker":"Average Joe Finances","startTime":1928.04,"endTime":1932.31,"body":"want to get rid of that ASAP, because"},{"speaker":"Average Joe Finances","startTime":1928.04,"endTime":1932.31,"body":"even if you're investing in something"},{"speaker":"Average Joe Finances","startTime":1932.31,"endTime":1935.97,"body":"that's giving you a 12 to even 15 percent"},{"speaker":"Average Joe Finances","startTime":1932.31,"endTime":1935.97,"body":"return, you're still losing money at"},{"speaker":"Average Joe Finances","startTime":1935.97,"endTime":1937.39,"body":"that point with the credit card debt."},{"speaker":"Average Joe Finances","startTime":1937.8,"endTime":1941.25,"body":"So yeah, so there's certain things, but"},{"speaker":"Average Joe Finances","startTime":1937.8,"endTime":1941.25,"body":"then if you have a debt consolidation"},{"speaker":"Average Joe Finances","startTime":1941.25,"endTime":1944.89,"body":"loan, it's got a lower interest rate"},{"speaker":"Average Joe Finances","startTime":1941.25,"endTime":1944.89,"body":"and you're still wanting to invest."},{"speaker":"Average Joe Finances","startTime":1944.89,"endTime":1945.39,"body":"There's."},{"speaker":"Average Joe Finances","startTime":1945.84,"endTime":1949.51,"body":"Everyone has a different goal, right?"},{"speaker":"Average Joe Finances","startTime":1949.97,"endTime":1954.92,"body":"And what matters is that, can you"},{"speaker":"Average Joe Finances","startTime":1949.97,"endTime":1954.92,"body":"show them a way to reach their"},{"speaker":"Average Joe Finances","startTime":1954.93,"endTime":1956.98,"body":"goals while still doing both?"},{"speaker":"Average Joe Finances","startTime":1957.02,"endTime":1961.12,"body":"And if you can, then that, that would be"},{"speaker":"Average Joe Finances","startTime":1957.02,"endTime":1961.12,"body":"the best route for you, because if that's"},{"speaker":"Average Joe Finances","startTime":1961.13,"endTime":1965.34,"body":"what you want to do, but it all comes"},{"speaker":"Average Joe Finances","startTime":1961.13,"endTime":1965.34,"body":"down to the person themselves they have"},{"speaker":"Average Joe Finances","startTime":1965.34,"endTime":1968.32,"body":"to stand up and make that decision, right?"},{"speaker":"Average Joe Finances","startTime":1968.66,"endTime":1971.22,"body":"As, as a coach, you can"},{"speaker":"Average Joe Finances","startTime":1968.66,"endTime":1971.22,"body":"only sit here and say, Hey."},{"speaker":"Average Joe Finances","startTime":1971.51,"endTime":1974.94,"body":"This is a great option that might"},{"speaker":"Average Joe Finances","startTime":1971.51,"endTime":1974.94,"body":"be best for you, but you're the"},{"speaker":"Average Joe Finances","startTime":1974.94,"endTime":1976.46,"body":"one that has to make that decision."},{"speaker":"Average Joe Finances","startTime":1976.47,"endTime":1981.22,"body":"You're the one that has the toughest"},{"speaker":"Average Joe Finances","startTime":1976.47,"endTime":1981.22,"body":"job of all, because you're the one"},{"speaker":"Average Joe Finances","startTime":1981.22,"endTime":1985.02,"body":"that has to actually say, okay,"},{"speaker":"Average Joe Finances","startTime":1981.22,"endTime":1985.02,"body":"this is what I'm going to do."},{"speaker":"Average Joe Finances","startTime":1985.57,"endTime":1988.28,"body":"And I feel like a lot of times people"},{"speaker":"Average Joe Finances","startTime":1985.57,"endTime":1988.28,"body":"think no, my coach will tell me I'm good."},{"speaker":"Average Joe Finances","startTime":1988.29,"endTime":1988.65,"body":"I'm good."},{"speaker":"Average Joe Finances","startTime":1988.96,"endTime":1990.19,"body":"I just, I listened to what the coach says."},{"speaker":"Average Joe Finances","startTime":1990.815,"endTime":1994.225,"body":"You could listen to the coach all"},{"speaker":"Average Joe Finances","startTime":1990.815,"endTime":1994.225,"body":"day, but you have to be the one taking"},{"speaker":"Average Joe Finances","startTime":1994.225,"endTime":1995.625,"body":"the action and making the decision."},{"speaker":"Average Joe Finances","startTime":1995.995,"endTime":1999.515,"body":"Your coach is not there when you're"},{"speaker":"Average Joe Finances","startTime":1995.995,"endTime":1999.515,"body":"out at target and you decide to"},{"speaker":"Average Joe Finances","startTime":1999.595,"endTime":2004.805,"body":"go get, an extra Starbucks venti"},{"speaker":"Average Joe Finances","startTime":1999.595,"endTime":2004.805,"body":"something, $30 drink, right?"},{"speaker":"Average Joe Finances","startTime":2005.465,"endTime":2006.435,"body":"Your coach isn't there."},{"speaker":"Average Joe Finances","startTime":2006.595,"endTime":2010.075,"body":"Your coach isn't there when you decide"},{"speaker":"Average Joe Finances","startTime":2006.595,"endTime":2010.075,"body":"you want to go get a new outfit, right?"},{"speaker":"Average Joe Finances","startTime":2010.075,"endTime":2011.335,"body":"So it's a matter of."},{"speaker":"Average Joe Finances","startTime":2011.805,"endTime":2013.625,"body":"What are the decisions that you're making?"},{"speaker":"Average Joe Finances","startTime":2013.625,"endTime":2015.815,"body":"One of the things that I also had to,"},{"speaker":"Average Joe Finances","startTime":2013.625,"endTime":2015.815,"body":"and I want to bring this up to back"},{"speaker":"Average Joe Finances","startTime":2015.815,"endTime":2019.455,"body":"to the sinking funds is we even had,"},{"speaker":"Average Joe Finances","startTime":2015.815,"endTime":2019.455,"body":"we had sinking funds for clothing."},{"speaker":"Average Joe Finances","startTime":2019.565,"endTime":2023.105,"body":"So like we knew, like we need to spend"},{"speaker":"Average Joe Finances","startTime":2019.565,"endTime":2023.105,"body":"however much on clothing each year."},{"speaker":"Average Joe Finances","startTime":2023.145,"endTime":2023.975,"body":"This is what we did."},{"speaker":"Average Joe Finances","startTime":2024.315,"endTime":2025.785,"body":"So we put that money to the side."},{"speaker":"Average Joe Finances","startTime":2025.785,"endTime":2028.975,"body":"So when we did have to go get a new"},{"speaker":"Average Joe Finances","startTime":2025.785,"endTime":2028.975,"body":"outfit or something like that, boom,"},{"speaker":"Average Joe Finances","startTime":2029.055,"endTime":2032.725,"body":"it was there or kids getting ready"},{"speaker":"Average Joe Finances","startTime":2029.055,"endTime":2032.725,"body":"for school and stuff, money's there."},{"speaker":"Average Joe Finances","startTime":2033.095,"endTime":2034.855,"body":"I feel like there's so much."},{"speaker":"Average Joe Finances","startTime":2035.76,"endTime":2041.18,"body":"That you can do, but it all goes back to"},{"speaker":"Average Joe Finances","startTime":2035.76,"endTime":2041.18,"body":"the person making the decision themselves."},{"speaker":"Walli Miller","startTime":2042.78,"endTime":2044.38,"body":"Yeah, no, absolutely."},{"speaker":"Walli Miller","startTime":2044.39,"endTime":2047.46,"body":"You don't get your adulting"},{"speaker":"Walli Miller","startTime":2044.39,"endTime":2047.46,"body":"card taken away from you."},{"speaker":"Average Joe Finances","startTime":2048.23,"endTime":2048.83,"body":"I like that."},{"speaker":"Average Joe Finances","startTime":2048.96,"endTime":2049.42,"body":"I like that."},{"speaker":"Walli Miller","startTime":2049.42,"endTime":2051.49,"body":"When you're working"},{"speaker":"Walli Miller","startTime":2049.42,"endTime":2051.49,"body":"with a financial coach, right?"},{"speaker":"Walli Miller","startTime":2051.55,"endTime":2055.02,"body":"I like, when people try"},{"speaker":"Walli Miller","startTime":2051.55,"endTime":2055.02,"body":"to describe what is that?"},{"speaker":"Walli Miller","startTime":2055.03,"endTime":2057.8,"body":"What do you really do when you're"},{"speaker":"Walli Miller","startTime":2055.03,"endTime":2057.8,"body":"talking about like financial coaching?"},{"speaker":"Walli Miller","startTime":2057.8,"endTime":2059.28,"body":"Is it like financial advising?"},{"speaker":"Walli Miller","startTime":2059.28,"endTime":2059.84,"body":"What is it?"},{"speaker":"Walli Miller","startTime":2059.89,"endTime":2060.27,"body":"And I say."},{"speaker":"Average Joe Finances","startTime":2060.27,"endTime":2062.18,"body":"So actually can"},{"speaker":"Average Joe Finances","startTime":2060.27,"endTime":2062.18,"body":"you tell me what is the difference"},{"speaker":"Average Joe Finances","startTime":2062.18,"endTime":2066.11,"body":"between what you do as a financial coach"},{"speaker":"Average Joe Finances","startTime":2062.18,"endTime":2066.11,"body":"and somebody who's a financial advisor?"},{"speaker":"Walli Miller","startTime":2066.665,"endTime":2067.025,"body":"Sure."},{"speaker":"Walli Miller","startTime":2067.065,"endTime":2071.235,"body":"So one of the things that I do not do"},{"speaker":"Walli Miller","startTime":2067.065,"endTime":2071.235,"body":"is that I do not sell insurance and"},{"speaker":"Walli Miller","startTime":2071.235,"endTime":2075.745,"body":"I do not I cannot sell investments or"},{"speaker":"Walli Miller","startTime":2071.235,"endTime":2075.745,"body":"money management or anything like that."},{"speaker":"Walli Miller","startTime":2075.765,"endTime":2077.675,"body":"So I don't sell products."},{"speaker":"Walli Miller","startTime":2078.045,"endTime":2084.415,"body":"When you normally when you talk to a"},{"speaker":"Walli Miller","startTime":2078.045,"endTime":2084.415,"body":"financial advisor, they tend to want to"},{"speaker":"Walli Miller","startTime":2084.525,"endTime":2086.075,"body":"they tend to be a money management firm."},{"speaker":"Walli Miller","startTime":2086.475,"endTime":2090.665,"body":"And so they might sell you a couple"},{"speaker":"Walli Miller","startTime":2086.475,"endTime":2090.665,"body":"of investment or insurance products."},{"speaker":"Walli Miller","startTime":2090.695,"endTime":2095.2,"body":"And That's cool and fine, but they're not"},{"speaker":"Walli Miller","startTime":2090.695,"endTime":2095.2,"body":"going to give you like that educational"},{"speaker":"Walli Miller","startTime":2095.22,"endTime":2098.13,"body":"component or help you understand why."},{"speaker":"Walli Miller","startTime":2098.54,"endTime":2101.97,"body":"And I think that with financial"},{"speaker":"Walli Miller","startTime":2098.54,"endTime":2101.97,"body":"coaching, it's different than a"},{"speaker":"Walli Miller","startTime":2101.97,"endTime":2103.92,"body":"financial educator or financial teacher."},{"speaker":"Walli Miller","startTime":2104.07,"endTime":2106.71,"body":"Cause I think there is an"},{"speaker":"Walli Miller","startTime":2104.07,"endTime":2106.71,"body":"education component to it."},{"speaker":"Walli Miller","startTime":2106.76,"endTime":2107.92,"body":"I have a teacher's heart."},{"speaker":"Walli Miller","startTime":2107.93,"endTime":2110.43,"body":"So I love to introduce my"},{"speaker":"Walli Miller","startTime":2107.93,"endTime":2110.43,"body":"clients to new concepts."},{"speaker":"Walli Miller","startTime":2110.91,"endTime":2114.54,"body":"So there is that financial literacy"},{"speaker":"Walli Miller","startTime":2110.91,"endTime":2114.54,"body":"piece, which is, I don't know about you,"},{"speaker":"Walli Miller","startTime":2114.54,"endTime":2117.48,"body":"Mike, but I don't know what New York"},{"speaker":"Walli Miller","startTime":2114.54,"endTime":2117.48,"body":"City public school you went to, but I"},{"speaker":"Walli Miller","startTime":2117.48,"endTime":2120.37,"body":"didn't have that class in school, right?"},{"speaker":"Walli Miller","startTime":2120.37,"endTime":2120.82,"body":"We didn't learn."},{"speaker":"Average Joe Finances","startTime":2120.82,"endTime":2122.4,"body":"Definitely"},{"speaker":"Average Joe Finances","startTime":2120.82,"endTime":2122.4,"body":"did not have that class either."},{"speaker":"Walli Miller","startTime":2123.12,"endTime":2123.48,"body":"Yeah."},{"speaker":"Walli Miller","startTime":2123.48,"endTime":2125.23,"body":"So we don't really learn"},{"speaker":"Walli Miller","startTime":2123.48,"endTime":2125.23,"body":"about personal finances."},{"speaker":"Walli Miller","startTime":2125.26,"endTime":2130.77,"body":"So I think that financial literacy piece"},{"speaker":"Walli Miller","startTime":2125.26,"endTime":2130.77,"body":"is really crucial, but the piece that's"},{"speaker":"Walli Miller","startTime":2130.77,"endTime":2135.38,"body":"missing from there is the application"},{"speaker":"Walli Miller","startTime":2130.77,"endTime":2135.38,"body":"and the implementation of the techniques."},{"speaker":"Walli Miller","startTime":2135.555,"endTime":2138.605,"body":"And the techniques and concepts"},{"speaker":"Walli Miller","startTime":2135.555,"endTime":2138.605,"body":"that we're learning, right?"},{"speaker":"Walli Miller","startTime":2138.955,"endTime":2144.755,"body":"And again, that money mindset,"},{"speaker":"Walli Miller","startTime":2138.955,"endTime":2144.755,"body":"peace, understanding why we behave"},{"speaker":"Walli Miller","startTime":2144.755,"endTime":2146.265,"body":"with money in the way that we do."},{"speaker":"Walli Miller","startTime":2146.325,"endTime":2149.355,"body":"Why is it that we interact"},{"speaker":"Walli Miller","startTime":2146.325,"endTime":2149.355,"body":"with it in the way that we do?"},{"speaker":"Walli Miller","startTime":2149.375,"endTime":2153.145,"body":"And I don't want to understate"},{"speaker":"Walli Miller","startTime":2149.375,"endTime":2153.145,"body":"it's not just how you spend money,"},{"speaker":"Walli Miller","startTime":2153.145,"endTime":2154.655,"body":"but also how you earn money."},{"speaker":"Walli Miller","startTime":2154.655,"endTime":2157.405,"body":"That's why when we were talking"},{"speaker":"Walli Miller","startTime":2154.655,"endTime":2157.405,"body":"about hustle culture, right?"},{"speaker":"Walli Miller","startTime":2158.115,"endTime":2161.675,"body":"I want to be careful with using that word"},{"speaker":"Walli Miller","startTime":2158.115,"endTime":2161.675,"body":"because there's some people who think"},{"speaker":"Walli Miller","startTime":2161.675,"endTime":2166.135,"body":"that the only way to do it is like burning"},{"speaker":"Walli Miller","startTime":2161.675,"endTime":2166.135,"body":"themselves to the ground, forsaking"},{"speaker":"Walli Miller","startTime":2166.145,"endTime":2173.585,"body":"relationships, family, ties, and that"},{"speaker":"Walli Miller","startTime":2166.145,"endTime":2173.585,"body":"is a way to build wealth in one area."},{"speaker":"Walli Miller","startTime":2174.105,"endTime":2176.915,"body":"But then what about the wealth"},{"speaker":"Walli Miller","startTime":2174.105,"endTime":2176.915,"body":"of your relationships, right?"},{"speaker":"Average Joe Finances","startTime":2177.085,"endTime":2178.405,"body":"You lose so much more."},{"speaker":"Walli Miller","startTime":2178.925,"endTime":2179.335,"body":"Yeah."},{"speaker":"Walli Miller","startTime":2179.695,"endTime":2183.515,"body":"And so we just want to make sure that"},{"speaker":"Walli Miller","startTime":2179.695,"endTime":2183.515,"body":"we're earning it and spending it in"},{"speaker":"Walli Miller","startTime":2183.525,"endTime":2186.765,"body":"ways that really bring us joy, right?"},{"speaker":"Walli Miller","startTime":2186.765,"endTime":2189.905,"body":"When we talk about value,"},{"speaker":"Walli Miller","startTime":2186.765,"endTime":2189.905,"body":"it's what brings you joy."},{"speaker":"Walli Miller","startTime":2190.065,"endTime":2192.575,"body":"When you think about what"},{"speaker":"Walli Miller","startTime":2190.065,"endTime":2192.575,"body":"you want your life to be."},{"speaker":"Walli Miller","startTime":2192.945,"endTime":2197.255,"body":"Yes, to look like, but also to feel like"},{"speaker":"Walli Miller","startTime":2192.945,"endTime":2197.255,"body":"when you wake up in the morning, when"},{"speaker":"Walli Miller","startTime":2197.255,"endTime":2203.355,"body":"you reflect on the last seven days, 30"},{"speaker":"Walli Miller","startTime":2197.255,"endTime":2203.355,"body":"days, one year's worth of time, what"},{"speaker":"Walli Miller","startTime":2203.355,"endTime":2205.225,"body":"do you want to feel about your life?"},{"speaker":"Walli Miller","startTime":2205.655,"endTime":2208.415,"body":"And money is again, very neutral."},{"speaker":"Walli Miller","startTime":2208.59,"endTime":2212.53,"body":"It's laden with emotion, but it's"},{"speaker":"Walli Miller","startTime":2208.59,"endTime":2212.53,"body":"a tool that we can use to help"},{"speaker":"Walli Miller","startTime":2212.53,"endTime":2214.03,"body":"design the life that we want."},{"speaker":"Walli Miller","startTime":2214.43,"endTime":2219.82,"body":"And so with, this is why this is where"},{"speaker":"Walli Miller","startTime":2214.43,"endTime":2219.82,"body":"financial coaching and a financial coach"},{"speaker":"Walli Miller","startTime":2220.18,"endTime":2224.07,"body":"really can help you understand that"},{"speaker":"Walli Miller","startTime":2220.18,"endTime":2224.07,"body":"I have some clients who actually have"},{"speaker":"Walli Miller","startTime":2224.08,"endTime":2226.47,"body":"financial advisors and we work together."},{"speaker":"Walli Miller","startTime":2226.69,"endTime":2229.6,"body":"So when they have questions"},{"speaker":"Walli Miller","startTime":2226.69,"endTime":2229.6,"body":"about yeah, the financial advisor"},{"speaker":"Walli Miller","startTime":2229.6,"endTime":2230.79,"body":"said this, I don't know why."},{"speaker":"Walli Miller","startTime":2231.105,"endTime":2232.005,"body":"What does that mean?"},{"speaker":"Walli Miller","startTime":2232.005,"endTime":2233.085,"body":"We can talk about it."},{"speaker":"Walli Miller","startTime":2233.095,"endTime":2234.645,"body":"What does it make them feel like?"},{"speaker":"Walli Miller","startTime":2234.835,"endTime":2236.315,"body":"Give them that education piece."},{"speaker":"Walli Miller","startTime":2236.525,"endTime":2238.725,"body":"And then they feel more confident, right?"},{"speaker":"Walli Miller","startTime":2238.935,"endTime":2240.955,"body":"Rather than feeling I'll just not done."},{"speaker":"Walli Miller","startTime":2240.975,"endTime":2244.075,"body":"I was going to say diverge, but"},{"speaker":"Walli Miller","startTime":2240.975,"endTime":2244.075,"body":"give them the opportunity, give"},{"speaker":"Walli Miller","startTime":2244.075,"endTime":2246.375,"body":"them the hold of the range, right?"},{"speaker":"Walli Miller","startTime":2246.405,"endTime":2248.325,"body":"Like you take them control."},{"speaker":"Walli Miller","startTime":2249.09,"endTime":2251.41,"body":"Yeah, you don't want to give"},{"speaker":"Walli Miller","startTime":2249.09,"endTime":2251.41,"body":"them all of the control."},{"speaker":"Walli Miller","startTime":2251.41,"endTime":2253.58,"body":"Nobody's going to care about your money."},{"speaker":"Walli Miller","startTime":2253.62,"endTime":2256.73,"body":"Nobody's going to care about the life"},{"speaker":"Walli Miller","startTime":2253.62,"endTime":2256.73,"body":"that you're living more than you,"},{"speaker":"Walli Miller","startTime":2257.11,"endTime":2262.03,"body":"but you have to understand why you're"},{"speaker":"Walli Miller","startTime":2257.11,"endTime":2262.03,"body":"making the decisions with your money"},{"speaker":"Walli Miller","startTime":2262.21,"endTime":2265.78,"body":"and choosing the funds or buying the"},{"speaker":"Walli Miller","startTime":2262.21,"endTime":2265.78,"body":"product or whatever the case might be."},{"speaker":"Walli Miller","startTime":2265.89,"endTime":2267.15,"body":"Why are you doing that?"},{"speaker":"Walli Miller","startTime":2267.18,"endTime":2270.07,"body":"And does that align with the"},{"speaker":"Walli Miller","startTime":2267.18,"endTime":2270.07,"body":"vision you have for your life?"},{"speaker":"Average Joe Finances","startTime":2270.605,"endTime":2271.245,"body":"Yeah, I love that."},{"speaker":"Average Joe Finances","startTime":2271.245,"endTime":2272.515,"body":"That's the question you"},{"speaker":"Average Joe Finances","startTime":2271.245,"endTime":2272.515,"body":"have to ask yourself."},{"speaker":"Average Joe Finances","startTime":2272.525,"endTime":2273.055,"body":"Why?"},{"speaker":"Average Joe Finances","startTime":2273.125,"endTime":2274.425,"body":"Why are you doing what you're doing?"},{"speaker":"Average Joe Finances","startTime":2274.845,"endTime":2277.435,"body":"And then at the same time, I really"},{"speaker":"Average Joe Finances","startTime":2274.845,"endTime":2277.435,"body":"like what you pointed out too,"},{"speaker":"Average Joe Finances","startTime":2277.435,"endTime":2279.145,"body":"with the hustle culture piece."},{"speaker":"Average Joe Finances","startTime":2279.185,"endTime":2282.78,"body":"Like it's not about, always"},{"speaker":"Average Joe Finances","startTime":2279.185,"endTime":2282.78,"body":"hustling and burning yourself out."},{"speaker":"Average Joe Finances","startTime":2283.05,"endTime":2285.87,"body":"There has to be some type"},{"speaker":"Average Joe Finances","startTime":2283.05,"endTime":2285.87,"body":"of balance in there, right?"},{"speaker":"Average Joe Finances","startTime":2285.87,"endTime":2289.38,"body":"You need to look at your, the"},{"speaker":"Average Joe Finances","startTime":2285.87,"endTime":2289.38,"body":"entire picture of your life."},{"speaker":"Average Joe Finances","startTime":2289.9,"endTime":2291.67,"body":"Money's just a piece of that."},{"speaker":"Average Joe Finances","startTime":2292.18,"endTime":2295.73,"body":"There's still so much more with"},{"speaker":"Average Joe Finances","startTime":2292.18,"endTime":2295.73,"body":"relationships, spirituality,"},{"speaker":"Average Joe Finances","startTime":2295.73,"endTime":2299.63,"body":"like so many different things"},{"speaker":"Average Joe Finances","startTime":2295.73,"endTime":2299.63,"body":"that make you who you are."},{"speaker":"Average Joe Finances","startTime":2299.83,"endTime":2303.06,"body":"So don't lose sight of this"},{"speaker":"Average Joe Finances","startTime":2299.83,"endTime":2303.06,"body":"other side because you're just"},{"speaker":"Average Joe Finances","startTime":2303.06,"endTime":2304.56,"body":"focused on the money over here."},{"speaker":"Average Joe Finances","startTime":2304.63,"endTime":2308.05,"body":"And I stress that because"},{"speaker":"Average Joe Finances","startTime":2304.63,"endTime":2308.05,"body":"I've been there before."},{"speaker":"Average Joe Finances","startTime":2308.05,"endTime":2310.405,"body":"Like I've Been to the point"},{"speaker":"Average Joe Finances","startTime":2308.05,"endTime":2310.405,"body":"where I was just hustle hustle,"},{"speaker":"Average Joe Finances","startTime":2310.665,"endTime":2312.175,"body":"and just working and grinding."},{"speaker":"Average Joe Finances","startTime":2312.225,"endTime":2316.645,"body":"And then realize that, Oh man, I forgot,"},{"speaker":"Average Joe Finances","startTime":2312.225,"endTime":2316.645,"body":"Hey, my family's still over here."},{"speaker":"Average Joe Finances","startTime":2316.685,"endTime":2317.695,"body":"They still need me too."},{"speaker":"Average Joe Finances","startTime":2318.215,"endTime":2320.355,"body":"And I'm just, I'm bringing that"},{"speaker":"Average Joe Finances","startTime":2318.215,"endTime":2320.355,"body":"up from personal experience."},{"speaker":"Average Joe Finances","startTime":2320.355,"endTime":2323.235,"body":"It's super important to make"},{"speaker":"Average Joe Finances","startTime":2320.355,"endTime":2323.235,"body":"sure that you balance it out the"},{"speaker":"Average Joe Finances","startTime":2323.235,"endTime":2324.645,"body":"best way that you possibly can."},{"speaker":"Average Joe Finances","startTime":2325.295,"endTime":2329.005,"body":"And remember why you're doing,"},{"speaker":"Average Joe Finances","startTime":2325.295,"endTime":2329.005,"body":"sorry, why you're doing been."},{"speaker":"Average Joe Finances","startTime":2333.7,"endTime":2334.94,"body":"Absolutely amazing."},{"speaker":"Average Joe Finances","startTime":2335.21,"endTime":2338.64,"body":"And now I'd like to take this into"},{"speaker":"Average Joe Finances","startTime":2335.21,"endTime":2338.64,"body":"something that I call the final round."},{"speaker":"Average Joe Finances","startTime":2339.1,"endTime":2341.54,"body":"It's where I'm going to ask you the"},{"speaker":"Average Joe Finances","startTime":2339.1,"endTime":2341.54,"body":"same four questions I ask everybody"},{"speaker":"Average Joe Finances","startTime":2341.54,"endTime":2344.92,"body":"that comes on the show and it gives"},{"speaker":"Average Joe Finances","startTime":2341.54,"endTime":2344.92,"body":"us a, just a good idea of how you are"},{"speaker":"Average Joe Finances","startTime":2344.93,"endTime":2348.5,"body":"under a little bit of pressure, which"},{"speaker":"Average Joe Finances","startTime":2344.93,"endTime":2348.5,"body":"I think we all see and already know"},{"speaker":"Average Joe Finances","startTime":2348.5,"endTime":2349.58,"body":"that you're going to crush this thing."},{"speaker":"Average Joe Finances","startTime":2349.58,"endTime":2351.56,"body":"So if you're ready to go,"},{"speaker":"Average Joe Finances","startTime":2349.58,"endTime":2351.56,"body":"we'll get that party started."},{"speaker":"Walli Miller","startTime":2352.13,"endTime":2352.95,"body":"Let's go."},{"speaker":"Average Joe Finances","startTime":2353.15,"endTime":2353.93,"body":"All right, let's do this."},{"speaker":"Average Joe Finances","startTime":2353.94,"endTime":2354.24,"body":"All right."},{"speaker":"Average Joe Finances","startTime":2354.48,"endTime":2359.22,"body":"So Walli, first question of the final"},{"speaker":"Average Joe Finances","startTime":2354.48,"endTime":2359.22,"body":"round, what's the biggest mistake"},{"speaker":"Average Joe Finances","startTime":2359.55,"endTime":2363.11,"body":"you've ever made when it comes to"},{"speaker":"Average Joe Finances","startTime":2359.55,"endTime":2363.11,"body":"your finances or business life?"},{"speaker":"Walli Miller","startTime":2363.96,"endTime":2367.41,"body":"Okay, one of the biggest"},{"speaker":"Walli Miller","startTime":2363.96,"endTime":2367.41,"body":"mistakes that I made was I was in"},{"speaker":"Walli Miller","startTime":2367.41,"endTime":2373.31,"body":"the process of buying a triplex and"},{"speaker":"Walli Miller","startTime":2367.41,"endTime":2373.31,"body":"this was a case where it was it was a"},{"speaker":"Walli Miller","startTime":2373.31,"endTime":2377.04,"body":"short sale and we wanted to purchase."},{"speaker":"Walli Miller","startTime":2377.04,"endTime":2378.04,"body":"It was like a triplex."},{"speaker":"Walli Miller","startTime":2378.06,"endTime":2381.25,"body":"My family, most of my"},{"speaker":"Walli Miller","startTime":2378.06,"endTime":2381.25,"body":"family now live in Florida."},{"speaker":"Walli Miller","startTime":2381.25,"endTime":2382.87,"body":"And so I was like, okay, I will."},{"speaker":"Walli Miller","startTime":2383.405,"endTime":2387.435,"body":"Rent two places out and then the other"},{"speaker":"Walli Miller","startTime":2383.405,"endTime":2387.435,"body":"long term rentals and the other one I'll"},{"speaker":"Walli Miller","startTime":2387.435,"endTime":2391.715,"body":"have as a short term rental So when i'm"},{"speaker":"Walli Miller","startTime":2387.435,"endTime":2391.715,"body":"visiting florida, I can be there and"},{"speaker":"Walli Miller","startTime":2391.715,"endTime":2394.935,"body":"we kept going back and forth with the"},{"speaker":"Walli Miller","startTime":2391.715,"endTime":2394.935,"body":"numbers And of course, I just wanted"},{"speaker":"Walli Miller","startTime":2394.935,"endTime":2400.315,"body":"to say tell me how much you want and"},{"speaker":"Walli Miller","startTime":2394.935,"endTime":2400.315,"body":"finally, I just said, you know after"},{"speaker":"Walli Miller","startTime":2400.595,"endTime":2402.355,"body":"counter offers and things like that."},{"speaker":"Walli Miller","startTime":2402.355,"endTime":2405.875,"body":"I just gave up because I just didn't"},{"speaker":"Walli Miller","startTime":2402.355,"endTime":2405.875,"body":"know what they wanted Come to find"},{"speaker":"Walli Miller","startTime":2405.945,"endTime":2411.175,"body":"out the I think they wanted like an"},{"speaker":"Walli Miller","startTime":2405.945,"endTime":2411.175,"body":"additional $12,000 and it sold for"},{"speaker":"Walli Miller","startTime":2411.175,"endTime":2416.805,"body":"an additional $12,000 and that sucked"},{"speaker":"Walli Miller","startTime":2411.175,"endTime":2416.805,"body":"because that rental property ended up"},{"speaker":"Walli Miller","startTime":2416.935,"endTime":2421.475,"body":"selling they divided it and they ended"},{"speaker":"Walli Miller","startTime":2416.935,"endTime":2421.475,"body":"up selling for Six times more than"},{"speaker":"Walli Miller","startTime":2421.475,"endTime":2422.745,"body":"what I would have purchased it for."},{"speaker":"Walli Miller","startTime":2422.745,"endTime":2425.655,"body":"And it was like, Oh my goodness,"},{"speaker":"Walli Miller","startTime":2422.745,"endTime":2425.655,"body":"I should have just hung in there."},{"speaker":"Average Joe Finances","startTime":2426.865,"endTime":2427.135,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":2427.225,"endTime":2428.175,"body":"You know what they say, right?"},{"speaker":"Average Joe Finances","startTime":2428.175,"endTime":2430.405,"body":"The best time to buy real"},{"speaker":"Average Joe Finances","startTime":2428.175,"endTime":2430.405,"body":"estate was 20 years ago."},{"speaker":"Average Joe Finances","startTime":2430.405,"endTime":2431.685,"body":"The second best time is today."},{"speaker":"Average Joe Finances","startTime":2431.685,"endTime":2434.025,"body":"So every time you're in a"},{"speaker":"Average Joe Finances","startTime":2431.685,"endTime":2434.025,"body":"situation like that, it's yeah."},{"speaker":"Average Joe Finances","startTime":2434.435,"endTime":2439.755,"body":"So yeah, I definitely feel that it"},{"speaker":"Average Joe Finances","startTime":2434.435,"endTime":2439.755,"body":"hurts, but I appreciate your transparency"},{"speaker":"Average Joe Finances","startTime":2439.755,"endTime":2441.175,"body":"there and sharing that with us."},{"speaker":"Average Joe Finances","startTime":2441.635,"endTime":2442.055,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":2442.525,"endTime":2444.735,"body":"Walli, the next question you're"},{"speaker":"Average Joe Finances","startTime":2442.525,"endTime":2444.735,"body":"gonna see, these all kind of tie"},{"speaker":"Average Joe Finances","startTime":2444.735,"endTime":2448.935,"body":"into each other is what is something"},{"speaker":"Average Joe Finances","startTime":2444.735,"endTime":2448.935,"body":"that you've learned that you wish"},{"speaker":"Average Joe Finances","startTime":2448.935,"endTime":2450.655,"body":"you knew when you first got started?"},{"speaker":"Walli Miller","startTime":2452.355,"endTime":2455.735,"body":"The journey is going to go"},{"speaker":"Walli Miller","startTime":2452.355,"endTime":2455.735,"body":"way faster than you could even imagine."},{"speaker":"Walli Miller","startTime":2456.435,"endTime":2457.815,"body":"I think I."},{"speaker":"Walli Miller","startTime":2458.475,"endTime":2462.975,"body":"Even though I knew what the numbers"},{"speaker":"Walli Miller","startTime":2458.475,"endTime":2462.975,"body":"would say and I, even though I knew what"},{"speaker":"Walli Miller","startTime":2462.975,"endTime":2468.165,"body":"was possible, I think I still worried"},{"speaker":"Walli Miller","startTime":2462.975,"endTime":2468.165,"body":"and, just, it's not worth spending"},{"speaker":"Walli Miller","startTime":2468.165,"endTime":2470.745,"body":"your life's energy worrying, right?"},{"speaker":"Walli Miller","startTime":2470.835,"endTime":2474.685,"body":"And this really ties into the power"},{"speaker":"Walli Miller","startTime":2470.835,"endTime":2474.685,"body":"of investments and then the power"},{"speaker":"Walli Miller","startTime":2474.715,"endTime":2478.195,"body":"of compounding interest, which many"},{"speaker":"Walli Miller","startTime":2474.715,"endTime":2478.195,"body":"people have talked about on this show"},{"speaker":"Walli Miller","startTime":2478.195,"endTime":2481.825,"body":"already, but it's really, the journey"},{"speaker":"Walli Miller","startTime":2478.195,"endTime":2481.825,"body":"is going to go by so much faster."},{"speaker":"Walli Miller","startTime":2481.855,"endTime":2483.765,"body":"So you have to enjoy the present."},{"speaker":"Average Joe Finances","startTime":2486.575,"endTime":2487.565,"body":"Yeah, I love that."},{"speaker":"Average Joe Finances","startTime":2487.675,"endTime":2490.105,"body":"I think that's the first time"},{"speaker":"Average Joe Finances","startTime":2487.675,"endTime":2490.105,"body":"I've gotten an answer like that."},{"speaker":"Average Joe Finances","startTime":2490.115,"endTime":2492.555,"body":"When I ask people like what they've"},{"speaker":"Average Joe Finances","startTime":2490.115,"endTime":2492.555,"body":"learned and something that they,"},{"speaker":"Average Joe Finances","startTime":2492.595,"endTime":2495.645,"body":"I, that they wish that they knew"},{"speaker":"Average Joe Finances","startTime":2492.595,"endTime":2495.645,"body":"when they first started out and"},{"speaker":"Average Joe Finances","startTime":2495.645,"endTime":2496.885,"body":"that, be present in the moment."},{"speaker":"Average Joe Finances","startTime":2496.905,"endTime":2498.075,"body":"That is, that's powerful."},{"speaker":"Average Joe Finances","startTime":2498.125,"endTime":2499.405,"body":"I really appreciate that."},{"speaker":"Average Joe Finances","startTime":2500.065,"endTime":2500.745,"body":"All right, Walli."},{"speaker":"Average Joe Finances","startTime":2501.485,"endTime":2502.355,"body":"Next question."},{"speaker":"Average Joe Finances","startTime":2502.745,"endTime":2506.165,"body":"Do you have any tips or tricks that"},{"speaker":"Average Joe Finances","startTime":2502.745,"endTime":2506.165,"body":"you would recommend to someone that"},{"speaker":"Average Joe Finances","startTime":2506.165,"endTime":2508.095,"body":"is just getting started out today?"},{"speaker":"Walli Miller","startTime":2509.385,"endTime":2509.855,"body":"All right."},{"speaker":"Walli Miller","startTime":2510.105,"endTime":2513.585,"body":"Start with $10, start with $25."},{"speaker":"Walli Miller","startTime":2513.655,"endTime":2516.875,"body":"Don't think that you need to"},{"speaker":"Walli Miller","startTime":2513.655,"endTime":2516.875,"body":"start the investment journey."},{"speaker":"Walli Miller","startTime":2516.905,"endTime":2519.695,"body":"And we haven't even talked about"},{"speaker":"Walli Miller","startTime":2516.905,"endTime":2519.695,"body":"what specific type of investments,"},{"speaker":"Walli Miller","startTime":2519.715,"endTime":2521.335,"body":"like this could be real estate."},{"speaker":"Walli Miller","startTime":2521.335,"endTime":2522.385,"body":"This could be business."},{"speaker":"Walli Miller","startTime":2522.435,"endTime":2523.865,"body":"This could be entrepreneurship."},{"speaker":"Walli Miller","startTime":2524.165,"endTime":2526.315,"body":"This could be stock investments, right?"},{"speaker":"Walli Miller","startTime":2526.645,"endTime":2529.815,"body":"But today, more than"},{"speaker":"Walli Miller","startTime":2526.645,"endTime":2529.815,"body":"ever, It's so much easier."},{"speaker":"Walli Miller","startTime":2530.065,"endTime":2532.585,"body":"The barrier to entry is so much lower."},{"speaker":"Walli Miller","startTime":2532.765,"endTime":2536.145,"body":"And sometimes we feel like I"},{"speaker":"Walli Miller","startTime":2532.765,"endTime":2536.145,"body":"don't have X amount of dollars."},{"speaker":"Walli Miller","startTime":2536.165,"endTime":2538.335,"body":"We'll start with what you have."},{"speaker":"Walli Miller","startTime":2538.725,"endTime":2545.275,"body":"Really get intentional about, again,"},{"speaker":"Walli Miller","startTime":2538.725,"endTime":2545.275,"body":"just like you separate money for food and"},{"speaker":"Walli Miller","startTime":2545.325,"endTime":2550.945,"body":"transportation and going out and concerts"},{"speaker":"Walli Miller","startTime":2545.325,"endTime":2550.945,"body":"and sporting events, have a line item."},{"speaker":"Walli Miller","startTime":2550.955,"endTime":2552.675,"body":"That's your opportunity fund."},{"speaker":"Walli Miller","startTime":2553.035,"endTime":2554.985,"body":"That's your investment"},{"speaker":"Walli Miller","startTime":2553.035,"endTime":2554.985,"body":"fund for building wealth."},{"speaker":"Average Joe Finances","startTime":2556.31,"endTime":2557.28,"body":"Absolutely love that."},{"speaker":"Average Joe Finances","startTime":2557.58,"endTime":2558.73,"body":"Absolutely love that."},{"speaker":"Average Joe Finances","startTime":2559.2,"endTime":2559.92,"body":"All right, Walli."},{"speaker":"Average Joe Finances","startTime":2560.26,"endTime":2564.82,"body":"All great recommendations and, I really"},{"speaker":"Average Joe Finances","startTime":2560.26,"endTime":2564.82,"body":"appreciate the fact that we didn't get"},{"speaker":"Average Joe Finances","startTime":2564.83,"endTime":2567.39,"body":"to go into some of that stuff, but I"},{"speaker":"Average Joe Finances","startTime":2564.83,"endTime":2567.39,"body":"appreciate that you brought that up"},{"speaker":"Average Joe Finances","startTime":2567.39,"endTime":2570.99,"body":"because that is super important to know"},{"speaker":"Average Joe Finances","startTime":2567.39,"endTime":2570.99,"body":"that you don't need to start off just"},{"speaker":"Average Joe Finances","startTime":2571.07,"endTime":2572.65,"body":"dumping all your money into investments."},{"speaker":"Average Joe Finances","startTime":2572.66,"endTime":2575.89,"body":"It could be little things, just"},{"speaker":"Average Joe Finances","startTime":2572.66,"endTime":2575.89,"body":"little, just get started, right?"},{"speaker":"Average Joe Finances","startTime":2575.89,"endTime":2576.15,"body":"Just."},{"speaker":"Average Joe Finances","startTime":2577.22,"endTime":2578.52,"body":"What you're comfortable with, right?"},{"speaker":"Average Joe Finances","startTime":2578.94,"endTime":2584.17,"body":"And it helps you get into that mindset of"},{"speaker":"Average Joe Finances","startTime":2578.94,"endTime":2584.17,"body":"starting to save and invest and let your"},{"speaker":"Average Joe Finances","startTime":2584.17,"endTime":2586.26,"body":"money earn more money for you, right?"},{"speaker":"Average Joe Finances","startTime":2586.47,"endTime":2589.32,"body":"You're employing those dollars"},{"speaker":"Average Joe Finances","startTime":2586.47,"endTime":2589.32,"body":"to make more dollars for you."},{"speaker":"Average Joe Finances","startTime":2589.68,"endTime":2592.29,"body":"So I think that's super important"},{"speaker":"Average Joe Finances","startTime":2589.68,"endTime":2592.29,"body":"and I really appreciate that."},{"speaker":"Average Joe Finances","startTime":2592.81,"endTime":2593.38,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":2593.85,"endTime":2597.37,"body":"Final question of the final round, and"},{"speaker":"Average Joe Finances","startTime":2593.85,"endTime":2597.37,"body":"this is just an opinion thing but do you"},{"speaker":"Average Joe Finances","startTime":2597.37,"endTime":2602.86,"body":"have a favorite business investing or real"},{"speaker":"Average Joe Finances","startTime":2597.37,"endTime":2602.86,"body":"estate related book or podcast or both?"},{"speaker":"Walli Miller","startTime":2603.87,"endTime":2607.82,"body":"Okay, so one of the first"},{"speaker":"Walli Miller","startTime":2603.87,"endTime":2607.82,"body":"podcasts that I listened to that really"},{"speaker":"Walli Miller","startTime":2608.18,"endTime":2615.05,"body":"gave me my PhD in like in Walli's"},{"speaker":"Walli Miller","startTime":2608.18,"endTime":2615.05,"body":"finances was a podcast called Afford"},{"speaker":"Walli Miller","startTime":2615.07,"endTime":2618.35,"body":"Anything by a woman named Paula Pan."},{"speaker":"Walli Miller","startTime":2618.81,"endTime":2621.14,"body":"The podcast is still going strong today."},{"speaker":"Walli Miller","startTime":2621.14,"endTime":2622.54,"body":"It's a fantastic podcast."},{"speaker":"Walli Miller","startTime":2622.58,"endTime":2623.13,"body":"I love it."},{"speaker":"Walli Miller","startTime":2623.14,"endTime":2624.22,"body":"I still listen to it."},{"speaker":"Walli Miller","startTime":2624.6,"endTime":2629.12,"body":"But the book that changed my life"},{"speaker":"Walli Miller","startTime":2624.6,"endTime":2629.12,"body":"and really helped me to understand."},{"speaker":"Walli Miller","startTime":2629.17,"endTime":2633.12,"body":"And we talked about this before I"},{"speaker":"Walli Miller","startTime":2629.17,"endTime":2633.12,"body":"have real estate, I'm a business owner"},{"speaker":"Walli Miller","startTime":2633.12,"endTime":2635.38,"body":"and I'm a stock investor, and I love."},{"speaker":"Walli Miller","startTime":2635.855,"endTime":2638.645,"body":"All three of them for different"},{"speaker":"Walli Miller","startTime":2635.855,"endTime":2638.645,"body":"reasons, and they all have"},{"speaker":"Walli Miller","startTime":2638.645,"endTime":2640.515,"body":"challenges for different reasons."},{"speaker":"Walli Miller","startTime":2641.125,"endTime":2645.615,"body":"But I have to say, I prefer"},{"speaker":"Walli Miller","startTime":2641.125,"endTime":2645.615,"body":"stock investing, not trading."},{"speaker":"Walli Miller","startTime":2645.615,"endTime":2646.995,"body":"I'm not talking about day trading."},{"speaker":"Walli Miller","startTime":2646.995,"endTime":2648.865,"body":"I'm talking about long term investing."},{"speaker":"Walli Miller","startTime":2649.155,"endTime":2652.465,"body":"And the book that really helped make"},{"speaker":"Walli Miller","startTime":2649.155,"endTime":2652.465,"body":"this simple for me was called the"},{"speaker":"Walli Miller","startTime":2652.465,"endTime":2655.545,"body":"book The Simple Path to Wealth by J."},{"speaker":"Walli Miller","startTime":2655.585,"endTime":2655.835,"body":"L."},{"speaker":"Walli Miller","startTime":2655.835,"endTime":2656.345,"body":"Collins."},{"speaker":"Walli Miller","startTime":2657.545,"endTime":2658.915,"body":"It's a short read."},{"speaker":"Walli Miller","startTime":2659.155,"endTime":2661.345,"body":"It's one of the books that I've given out."},{"speaker":"Walli Miller","startTime":2661.725,"endTime":2666.085,"body":"The most, I just, the first year"},{"speaker":"Walli Miller","startTime":2661.725,"endTime":2666.085,"body":"that I read this, everybody got one"},{"speaker":"Walli Miller","startTime":2666.085,"endTime":2667.455,"body":"for Christmas and their birthdays."},{"speaker":"Walli Miller","startTime":2667.495,"endTime":2669.815,"body":"Cause it was just a book"},{"speaker":"Walli Miller","startTime":2667.495,"endTime":2669.815,"body":"that transformed my life."},{"speaker":"Walli Miller","startTime":2670.225,"endTime":2672.585,"body":"But the simple path to wealth by J."},{"speaker":"Walli Miller","startTime":2672.615,"endTime":2672.845,"body":"L."},{"speaker":"Walli Miller","startTime":2672.845,"endTime":2674.605,"body":"Collins is a fantastic book."},{"speaker":"Average Joe Finances","startTime":2675.835,"endTime":2676.235,"body":"All right."},{"speaker":"Average Joe Finances","startTime":2676.245,"endTime":2677.865,"body":"Fantastic recommendations."},{"speaker":"Average Joe Finances","startTime":2677.865,"endTime":2678.545,"body":"Thank you so much for that."},{"speaker":"Average Joe Finances","startTime":2678.545,"endTime":2682.105,"body":"Actually, that's the second time"},{"speaker":"Average Joe Finances","startTime":2678.545,"endTime":2682.105,"body":"somebody's recommended afford anything."},{"speaker":"Average Joe Finances","startTime":2682.105,"endTime":2684.415,"body":"So that's, I definitely need"},{"speaker":"Average Joe Finances","startTime":2682.105,"endTime":2684.415,"body":"to add that to my podcast."},{"speaker":"Average Joe Finances","startTime":2684.435,"endTime":2685.265,"body":"Listen to list."},{"speaker":"Average Joe Finances","startTime":2685.785,"endTime":2688.405,"body":"And then also the books, the"},{"speaker":"Average Joe Finances","startTime":2685.785,"endTime":2688.405,"body":"simple the simple path to wealth."},{"speaker":"Average Joe Finances","startTime":2688.725,"endTime":2690.045,"body":"I've heard that recommended before too."},{"speaker":"Average Joe Finances","startTime":2690.045,"endTime":2692.425,"body":"That's actually already on my"},{"speaker":"Average Joe Finances","startTime":2690.045,"endTime":2692.425,"body":"list, but I think I'm going to"},{"speaker":"Average Joe Finances","startTime":2692.425,"endTime":2694.735,"body":"bump it up now, especially after"},{"speaker":"Average Joe Finances","startTime":2692.425,"endTime":2694.735,"body":"the way you just described it."},{"speaker":"Average Joe Finances","startTime":2694.745,"endTime":2696.375,"body":"Definitely appreciate"},{"speaker":"Average Joe Finances","startTime":2694.745,"endTime":2696.375,"body":"those recommendations."},{"speaker":"Average Joe Finances","startTime":2696.395,"endTime":2700.545,"body":"Now that is it for the final"},{"speaker":"Average Joe Finances","startTime":2696.395,"endTime":2700.545,"body":"round, Walli, but I do have"},{"speaker":"Average Joe Finances","startTime":2700.575,"endTime":2702.105,"body":"another question I want to ask you."},{"speaker":"Average Joe Finances","startTime":2702.405,"endTime":2704.845,"body":"And this is probably going to be the most"},{"speaker":"Average Joe Finances","startTime":2702.405,"endTime":2704.845,"body":"important question I ask you throughout"},{"speaker":"Average Joe Finances","startTime":2704.845,"endTime":2709.105,"body":"this entire interview because people were"},{"speaker":"Average Joe Finances","startTime":2704.845,"endTime":2709.105,"body":"listening and they said, man, she gets it."},{"speaker":"Average Joe Finances","startTime":2709.115,"endTime":2710.025,"body":"She gets me."},{"speaker":"Average Joe Finances","startTime":2710.375,"endTime":2712.455,"body":"I need to get better with"},{"speaker":"Average Joe Finances","startTime":2710.375,"endTime":2712.455,"body":"my relationship with money."},{"speaker":"Average Joe Finances","startTime":2712.785,"endTime":2713.815,"body":"I want to know more."},{"speaker":"Average Joe Finances","startTime":2714.195,"endTime":2716.895,"body":"So where can people find"},{"speaker":"Average Joe Finances","startTime":2714.195,"endTime":2716.895,"body":"more information about you?"},{"speaker":"Average Joe Finances","startTime":2716.925,"endTime":2720.045,"body":"Do you have a website you could share"},{"speaker":"Average Joe Finances","startTime":2716.925,"endTime":2720.045,"body":"with us, social media, anything like that?"},{"speaker":"Average Joe Finances","startTime":2720.395,"endTime":2723.515,"body":"And of course, where can people"},{"speaker":"Average Joe Finances","startTime":2720.395,"endTime":2723.515,"body":"find your coaching services?"},{"speaker":"Walli Miller","startTime":2724.08,"endTime":2727.02,"body":"Yeah, so you can go"},{"speaker":"Walli Miller","startTime":2724.08,"endTime":2727.02,"body":"to my website, all of my socials, a"},{"speaker":"Walli Miller","startTime":2727.02,"endTime":2730.32,"body":"little bit about me, a little bit about"},{"speaker":"Walli Miller","startTime":2727.02,"endTime":2730.32,"body":"what I offer, everything is there,"},{"speaker":"Walli Miller","startTime":2730.32,"endTime":2736.62,"body":"which is financiallythriving.com, and"},{"speaker":"Walli Miller","startTime":2730.32,"endTime":2736.62,"body":"I'm most active on Instagram, so I'm"},{"speaker":"Walli Miller","startTime":2736.63,"endTime":2740.93,"body":"financially underscore thriving there,"},{"speaker":"Walli Miller","startTime":2736.63,"endTime":2740.93,"body":"and I share tips, videos, things like"},{"speaker":"Walli Miller","startTime":2740.93,"endTime":2745.75,"body":"that on Instagram, but financially"},{"speaker":"Walli Miller","startTime":2740.93,"endTime":2745.75,"body":"thriving on almost any platform."},{"speaker":"Average Joe Finances","startTime":2746.515,"endTime":2746.895,"body":"All right."},{"speaker":"Average Joe Finances","startTime":2747.105,"endTime":2747.565,"body":"Absolutely."},{"speaker":"Average Joe Finances","startTime":2747.565,"endTime":2747.865,"body":"Love that."},{"speaker":"Average Joe Finances","startTime":2747.865,"endTime":2748.135,"body":"Walli."},{"speaker":"Average Joe Finances","startTime":2748.135,"endTime":2749.055,"body":"Thank you so much."},{"speaker":"Average Joe Finances","startTime":2749.065,"endTime":2752.545,"body":"I'll make sure that those notes are in"},{"speaker":"Average Joe Finances","startTime":2749.065,"endTime":2752.545,"body":"the, those links are in the show notes."},{"speaker":"Average Joe Finances","startTime":2752.805,"endTime":2756.615,"body":"So it's easy for people to just"},{"speaker":"Average Joe Finances","startTime":2752.805,"endTime":2756.615,"body":"copy and paste or click away that"},{"speaker":"Average Joe Finances","startTime":2756.615,"endTime":2758.125,"body":"way, they could find you right away."},{"speaker":"Average Joe Finances","startTime":2758.135,"endTime":2760.495,"body":"They'll, the only thing I ask"},{"speaker":"Average Joe Finances","startTime":2758.135,"endTime":2760.495,"body":"is that if you're driving right"},{"speaker":"Average Joe Finances","startTime":2760.495,"endTime":2761.965,"body":"now, please don't do that."},{"speaker":"Average Joe Finances","startTime":2762.235,"endTime":2763.545,"body":"Wait till you're in a safe place."},{"speaker":"Average Joe Finances","startTime":2763.875,"endTime":2765.085,"body":"Stay safe people."},{"speaker":"Average Joe Finances","startTime":2765.305,"endTime":2766.045,"body":"Absolutely."},{"speaker":"Average Joe Finances","startTime":2766.115,"endTime":2770.035,"body":"Walli, I want to thank you again"},{"speaker":"Average Joe Finances","startTime":2766.115,"endTime":2770.035,"body":"so much for taking your time today"},{"speaker":"Average Joe Finances","startTime":2770.035,"endTime":2774.305,"body":"to join me on the podcast, Have"},{"speaker":"Average Joe Finances","startTime":2770.035,"endTime":2774.305,"body":"a great conversation and share."},{"speaker":"Average Joe Finances","startTime":2774.475,"endTime":2776.155,"body":"Your wisdom with our listeners."},{"speaker":"Average Joe Finances","startTime":2776.155,"endTime":2777.445,"body":"It was absolutely amazing."},{"speaker":"Average Joe Finances","startTime":2777.695,"endTime":2778.475,"body":"And I had a great time."},{"speaker":"Average Joe Finances","startTime":2778.475,"endTime":2779.495,"body":"So thank you so much."},{"speaker":"Walli Miller","startTime":2779.765,"endTime":2780.815,"body":"Thank you for having me."},{"speaker":"Walli Miller","startTime":2780.815,"endTime":2782.015,"body":"I really appreciated it."},{"speaker":"Average Joe Finances","startTime":2782.435,"endTime":2783.035,"body":"Absolutely."},{"speaker":"Average Joe Finances","startTime":2783.035,"endTime":2785.945,"body":"And hey, I also wanna thank all"},{"speaker":"Average Joe Finances","startTime":2783.035,"endTime":2785.945,"body":"of my listeners for joining me and"},{"speaker":"Average Joe Finances","startTime":2785.945,"endTime":2789.995,"body":"our special guest, Walli Miller, on"},{"speaker":"Average Joe Finances","startTime":2785.945,"endTime":2789.995,"body":"the Average Joe Finances Podcast."},{"speaker":"Average Joe Finances","startTime":2790.375,"endTime":2793.915,"body":"Go leave us a five star review and tell"},{"speaker":"Average Joe Finances","startTime":2790.375,"endTime":2793.915,"body":"us what you liked about today's episode"},{"speaker":"Average Joe Finances","startTime":2793.92,"endTime":2798.85,"body":"with Walli Aloha from Hawaii and from New"},{"speaker":"Average Joe Finances","startTime":2793.92,"endTime":2798.85,"body":"York, and have a great rest of your day."}]}