{"version":"1.0.0","segments":[{"speaker":"Average Joe Finances","startTime":0.0,"endTime":3.21,"body":"This is"},{"speaker":"Average Joe Finances","startTime":0.0,"endTime":3.21,"body":"Average Joe Finances podcast,"},{"speaker":"Average Joe Finances","startTime":3.24,"endTime":7.53,"body":"Episode 58. If you're watching"},{"speaker":"Average Joe Finances","startTime":3.24,"endTime":7.53,"body":"this on YouTube, make sure you"},{"speaker":"Average Joe Finances","startTime":7.53,"endTime":10.92,"body":"smash that like button and click"},{"speaker":"Average Joe Finances","startTime":7.53,"endTime":10.92,"body":"subscribe. For those of you"},{"speaker":"Average Joe Finances","startTime":10.92,"endTime":14.55,"body":"listening on a podcast platform,"},{"speaker":"Average Joe Finances","startTime":10.92,"endTime":14.55,"body":"be sure to subscribe on whatever"},{"speaker":"Average Joe Finances","startTime":14.55,"endTime":18.21,"body":"platform that is, and leave us a"},{"speaker":"Average Joe Finances","startTime":14.55,"endTime":18.21,"body":"rating if you can. The more"},{"speaker":"Average Joe Finances","startTime":18.21,"endTime":21.18,"body":"likes, ratings and subscriptions"},{"speaker":"Average Joe Finances","startTime":18.21,"endTime":21.18,"body":"that we get, the more we can"},{"speaker":"Average Joe Finances","startTime":21.18,"endTime":24.75,"body":"spread the message and grow our"},{"speaker":"Average Joe Finances","startTime":21.18,"endTime":24.75,"body":"community. So we also have a"},{"speaker":"Average Joe Finances","startTime":24.75,"endTime":28.38,"body":"free Facebook group. It's called"},{"speaker":"Average Joe Finances","startTime":24.75,"endTime":28.38,"body":"the Average Joe Finances"},{"speaker":"Average Joe Finances","startTime":28.38,"endTime":32.04,"body":"network. Check us out, join the"},{"speaker":"Average Joe Finances","startTime":28.38,"endTime":32.04,"body":"group, join the community ask"},{"speaker":"Average Joe Finances","startTime":32.04,"endTime":35.58,"body":"questions, and become a part of"},{"speaker":"Average Joe Finances","startTime":32.04,"endTime":35.58,"body":"the team. All of our other"},{"speaker":"Average Joe Finances","startTime":35.58,"endTime":38.7,"body":"social media accounts are listed"},{"speaker":"Average Joe Finances","startTime":35.58,"endTime":38.7,"body":"in our flow page. And we have"},{"speaker":"Average Joe Finances","startTime":38.7,"endTime":42.0,"body":"them in the video or podcast"},{"speaker":"Average Joe Finances","startTime":38.7,"endTime":42.0,"body":"description below."},{"speaker":"Will Owens","startTime":42.12,"endTime":44.07,"body":"I say greatness"},{"speaker":"Will Owens","startTime":42.12,"endTime":44.07,"body":"exists on the other side of"},{"speaker":"Will Owens","startTime":44.07,"endTime":48.42,"body":"fear. So helping people"},{"speaker":"Will Owens","startTime":44.07,"endTime":48.42,"body":"recognize their fear, you know,"},{"speaker":"Will Owens","startTime":48.42,"endTime":51.9,"body":"change their emotional state to"},{"speaker":"Will Owens","startTime":48.42,"endTime":51.9,"body":"you know, get the excitement"},{"speaker":"Will Owens","startTime":51.9,"endTime":55.86,"body":"there. And the inspiration right"},{"speaker":"Will Owens","startTime":51.9,"endTime":55.86,"body":"inside not motivation."},{"speaker":"Will Owens","startTime":55.86,"endTime":59.4,"body":"Motivation is weak inspiration"},{"speaker":"Will Owens","startTime":55.86,"endTime":59.4,"body":"that change on the inside to"},{"speaker":"Will Owens","startTime":59.4,"endTime":62.34,"body":"where they transformed and then"},{"speaker":"Will Owens","startTime":59.4,"endTime":62.34,"body":"go, you know, to overcome that"},{"speaker":"Will Owens","startTime":62.34,"endTime":65.25,"body":"fear and then take a new"},{"speaker":"Will Owens","startTime":62.34,"endTime":65.25,"body":"direction on their life. It's"},{"speaker":"Will Owens","startTime":65.25,"endTime":65.88,"body":"powerful."},{"speaker":"Average Joe Finances","startTime":67.28,"endTime":69.83,"body":"Welcome to"},{"speaker":"Average Joe Finances","startTime":67.28,"endTime":69.83,"body":"the Average Joe Finances"},{"speaker":"Average Joe Finances","startTime":69.83,"endTime":74.36,"body":"podcast. Are you trying to get"},{"speaker":"Average Joe Finances","startTime":69.83,"endTime":74.36,"body":"out of debt, invest or just not"},{"speaker":"Average Joe Finances","startTime":74.36,"endTime":77.54,"body":"sure where to start, then this"},{"speaker":"Average Joe Finances","startTime":74.36,"endTime":77.54,"body":"is the place for you. We"},{"speaker":"Average Joe Finances","startTime":77.54,"endTime":80.81,"body":"discussed different ways to get"},{"speaker":"Average Joe Finances","startTime":77.54,"endTime":80.81,"body":"out of the rat race and build"},{"speaker":"Average Joe Finances","startTime":80.81,"endTime":85.13,"body":"your wealth. Join us on this"},{"speaker":"Average Joe Finances","startTime":80.81,"endTime":85.13,"body":"wild ride to financial freedom."},{"speaker":"Average Joe Finances","startTime":86.39,"endTime":89.6,"body":"Hey, how's it going, everybody?"},{"speaker":"Average Joe Finances","startTime":86.39,"endTime":89.6,"body":"So today, our guest is will"},{"speaker":"Average Joe Finances","startTime":89.6,"endTime":92.93,"body":"Owens I'm really excited to have"},{"speaker":"Average Joe Finances","startTime":89.6,"endTime":92.93,"body":"this conversation with him. So,"},{"speaker":"Average Joe Finances","startTime":93.11,"endTime":96.71,"body":"Will's a creator, an"},{"speaker":"Average Joe Finances","startTime":93.11,"endTime":96.71,"body":"entrepreneur, a life coach and a"},{"speaker":"Average Joe Finances","startTime":96.71,"endTime":100.49,"body":"spiritual educator that"},{"speaker":"Average Joe Finances","startTime":96.71,"endTime":100.49,"body":"dedicates his time and energy to"},{"speaker":"Average Joe Finances","startTime":100.49,"endTime":104.18,"body":"helping people create a mindset"},{"speaker":"Average Joe Finances","startTime":100.49,"endTime":104.18,"body":"that sets them on a path to"},{"speaker":"Average Joe Finances","startTime":104.18,"endTime":108.98,"body":"success through his company, the"},{"speaker":"Average Joe Finances","startTime":104.18,"endTime":108.98,"body":"mind creates LLC, he works to"},{"speaker":"Average Joe Finances","startTime":108.98,"endTime":112.25,"body":"help people realize their full"},{"speaker":"Average Joe Finances","startTime":108.98,"endTime":112.25,"body":"potential and live the life that"},{"speaker":"Average Joe Finances","startTime":112.25,"endTime":116.6,"body":"they genuinely want to lead."},{"speaker":"Average Joe Finances","startTime":112.25,"endTime":116.6,"body":"Will has a distinct system that"},{"speaker":"Average Joe Finances","startTime":116.6,"endTime":121.43,"body":"focuses on building time and"},{"speaker":"Average Joe Finances","startTime":116.6,"endTime":121.43,"body":"freedom. his company's unique"},{"speaker":"Average Joe Finances","startTime":121.43,"endTime":124.07,"body":"methods help people come out"},{"speaker":"Average Joe Finances","startTime":121.43,"endTime":124.07,"body":"from under the weight of"},{"speaker":"Average Joe Finances","startTime":124.07,"endTime":128.66,"body":"financial burdens, and helps"},{"speaker":"Average Joe Finances","startTime":124.07,"endTime":128.66,"body":"them identify what their true"},{"speaker":"Average Joe Finances","startTime":128.66,"endTime":132.68,"body":"talents and passions are. The"},{"speaker":"Average Joe Finances","startTime":128.66,"endTime":132.68,"body":"main focus is taking immediate"},{"speaker":"Average Joe Finances","startTime":132.68,"endTime":136.64,"body":"action by defining real steps"},{"speaker":"Average Joe Finances","startTime":132.68,"endTime":136.64,"body":"that a person can take to make"},{"speaker":"Average Joe Finances","startTime":136.64,"endTime":140.9,"body":"an impactful difference in their"},{"speaker":"Average Joe Finances","startTime":136.64,"endTime":140.9,"body":"life. So Will awesome"},{"speaker":"Average Joe Finances","startTime":140.9,"endTime":143.75,"body":"background, I'm super excited to"},{"speaker":"Average Joe Finances","startTime":140.9,"endTime":143.75,"body":"talk to you today. Thanks for"},{"speaker":"Average Joe Finances","startTime":143.75,"endTime":144.5,"body":"coming on the show."},{"speaker":"Will Owens","startTime":144.96,"endTime":147.6,"body":"Thank you so much,"},{"speaker":"Will Owens","startTime":144.96,"endTime":147.6,"body":"Mike, I'm super happy to be"},{"speaker":"Will Owens","startTime":147.6,"endTime":150.21,"body":"here. You have nothing but"},{"speaker":"Will Owens","startTime":147.6,"endTime":150.21,"body":"quality content that changes"},{"speaker":"Will Owens","startTime":150.21,"endTime":152.16,"body":"lives. And I'm happy to be a"},{"speaker":"Will Owens","startTime":150.21,"endTime":152.16,"body":"part of this."},{"speaker":"Average Joe Finances","startTime":152.27,"endTime":153.98,"body":"Well,"},{"speaker":"Average Joe Finances","startTime":152.27,"endTime":153.98,"body":"thank you so much for that. So"},{"speaker":"Average Joe Finances","startTime":154.43,"endTime":157.79,"body":"speaking of quality content, I"},{"speaker":"Average Joe Finances","startTime":154.43,"endTime":157.79,"body":"want to get this right out,"},{"speaker":"Average Joe Finances","startTime":158.0,"endTime":160.67,"body":"right out the door, the way I"},{"speaker":"Average Joe Finances","startTime":158.0,"endTime":160.67,"body":"like to start every podcast"},{"speaker":"Average Joe Finances","startTime":160.67,"endTime":164.09,"body":"episode. And we want to know a"},{"speaker":"Average Joe Finances","startTime":160.67,"endTime":164.09,"body":"little bit more about you"},{"speaker":"Average Joe Finances","startTime":164.09,"endTime":167.12,"body":"besides the background that I"},{"speaker":"Average Joe Finances","startTime":164.09,"endTime":167.12,"body":"just gave, can you share with"},{"speaker":"Average Joe Finances","startTime":167.12,"endTime":170.66,"body":"our audience? Who is Will Owens"},{"speaker":"Average Joe Finances","startTime":167.12,"endTime":170.66,"body":"how'd you get started,"},{"speaker":"Will Owens","startTime":170.81,"endTime":174.17,"body":"amen. So I can"},{"speaker":"Will Owens","startTime":170.81,"endTime":174.17,"body":"honestly say it all started from"},{"speaker":"Will Owens","startTime":175.1,"endTime":179.15,"body":"my relationship with God. Um,"},{"speaker":"Will Owens","startTime":175.1,"endTime":179.15,"body":"and through that, you know, I"},{"speaker":"Will Owens","startTime":179.18,"endTime":182.18,"body":"went on a wonderful journey of"},{"speaker":"Will Owens","startTime":179.18,"endTime":182.18,"body":"being you know, out of college"},{"speaker":"Will Owens","startTime":182.18,"endTime":185.81,"body":"as an engineer, you know,"},{"speaker":"Will Owens","startTime":182.18,"endTime":185.81,"body":"graduated with my degree, great"},{"speaker":"Will Owens","startTime":185.81,"endTime":190.7,"body":"job, um, and, you know, time"},{"speaker":"Will Owens","startTime":185.81,"endTime":190.7,"body":"freedom, all of that. And then I"},{"speaker":"Will Owens","startTime":190.7,"endTime":193.7,"body":"realized I wasn't happy, and I"},{"speaker":"Will Owens","startTime":190.7,"endTime":193.7,"body":"realized I was missing my true"},{"speaker":"Will Owens","startTime":193.7,"endTime":197.69,"body":"purpose in life. Um, and once I"},{"speaker":"Will Owens","startTime":193.7,"endTime":197.69,"body":"found God, that was at the age"},{"speaker":"Will Owens","startTime":197.69,"endTime":202.19,"body":"of 23 years old. You know, I"},{"speaker":"Will Owens","startTime":197.69,"endTime":202.19,"body":"said, You know, I have what"},{"speaker":"Will Owens","startTime":202.19,"endTime":206.84,"body":"everybody else wants in life,"},{"speaker":"Will Owens","startTime":202.19,"endTime":206.84,"body":"you know, materialistically, and"},{"speaker":"Will Owens","startTime":206.84,"endTime":210.41,"body":"I realized, like, I'm not happy."},{"speaker":"Will Owens","startTime":206.84,"endTime":210.41,"body":"So I say, God, what am I or, you"},{"speaker":"Will Owens","startTime":210.41,"endTime":213.05,"body":"know, I didn't really know God"},{"speaker":"Will Owens","startTime":210.41,"endTime":213.05,"body":"at that time. But I asked, What"},{"speaker":"Will Owens","startTime":213.05,"endTime":216.71,"body":"would get me to that happiness,"},{"speaker":"Will Owens","startTime":213.05,"endTime":216.71,"body":"and then my relationship with"},{"speaker":"Will Owens","startTime":216.71,"endTime":220.37,"body":"him started. And, you know, I"},{"speaker":"Will Owens","startTime":216.71,"endTime":220.37,"body":"went through a series of"},{"speaker":"Will Owens","startTime":220.37,"endTime":225.29,"body":"changes, like a loss of a job,"},{"speaker":"Will Owens","startTime":220.37,"endTime":225.29,"body":"which is what my career and as"},{"speaker":"Will Owens","startTime":225.29,"endTime":229.85,"body":"an engineer working for PepsiCo,"},{"speaker":"Will Owens","startTime":225.29,"endTime":229.85,"body":"and then I actually lost my"},{"speaker":"Will Owens","startTime":229.85,"endTime":232.4,"body":"mother and I was also buying a"},{"speaker":"Will Owens","startTime":229.85,"endTime":232.4,"body":"house, I know, you do real"},{"speaker":"Will Owens","startTime":232.4,"endTime":236.57,"body":"estate, I was buying a house."},{"speaker":"Will Owens","startTime":232.4,"endTime":236.57,"body":"And, you know, they told me, oh,"},{"speaker":"Will Owens","startTime":236.57,"endTime":239.6,"body":"we can't close this deal at the"},{"speaker":"Will Owens","startTime":236.57,"endTime":239.6,"body":"table due to the fact that my"},{"speaker":"Will Owens","startTime":239.6,"endTime":242.96,"body":"neighbors were not paying their"},{"speaker":"Will Owens","startTime":239.6,"endTime":242.96,"body":"HOA fees. I was like, what does"},{"speaker":"Will Owens","startTime":242.96,"endTime":246.11,"body":"it have to do with me, um, you"},{"speaker":"Will Owens","startTime":242.96,"endTime":246.11,"body":"know, it was shocking, but that"},{"speaker":"Will Owens","startTime":246.11,"endTime":248.69,"body":"was that information is real,"},{"speaker":"Will Owens","startTime":246.11,"endTime":248.69,"body":"because they weren't going to"},{"speaker":"Will Owens","startTime":248.69,"endTime":252.56,"body":"approve the loan due to, you"},{"speaker":"Will Owens","startTime":248.69,"endTime":252.56,"body":"know, the houses, the value of"},{"speaker":"Will Owens","startTime":252.56,"endTime":255.29,"body":"the house is going down in the"},{"speaker":"Will Owens","startTime":252.56,"endTime":255.29,"body":"future. So I was like, this is a"},{"speaker":"Will Owens","startTime":255.29,"endTime":257.96,"body":"bad loan, it will be upside down"},{"speaker":"Will Owens","startTime":255.29,"endTime":257.96,"body":"in the future. And I was like,"},{"speaker":"Will Owens","startTime":257.99,"endTime":262.31,"body":"oh, like, you know, so, with all"},{"speaker":"Will Owens","startTime":257.99,"endTime":262.31,"body":"that being said, you know, God"},{"speaker":"Will Owens","startTime":262.31,"endTime":265.31,"body":"took me on a wild journey"},{"speaker":"Will Owens","startTime":262.31,"endTime":265.31,"body":"through our relationships. So"},{"speaker":"Will Owens","startTime":265.31,"endTime":270.53,"body":"that way, I could, you know,"},{"speaker":"Will Owens","startTime":265.31,"endTime":270.53,"body":"then in turn, impact many other"},{"speaker":"Will Owens","startTime":270.53,"endTime":274.28,"body":"people to share my testimony."},{"speaker":"Will Owens","startTime":270.53,"endTime":274.28,"body":"And just, you know, the thing"},{"speaker":"Will Owens","startTime":274.28,"endTime":276.89,"body":"that really stuck out to me"},{"speaker":"Will Owens","startTime":274.28,"endTime":276.89,"body":"where most people will struggle"},{"speaker":"Will Owens","startTime":276.89,"endTime":281.09,"body":"is in the financial realm, the"},{"speaker":"Will Owens","startTime":276.89,"endTime":281.09,"body":"financial realm and in the"},{"speaker":"Will Owens","startTime":281.09,"endTime":284.27,"body":"spiritual realm for actually"},{"speaker":"Will Owens","startTime":281.09,"endTime":284.27,"body":"know what their purpose is and"},{"speaker":"Will Owens","startTime":284.27,"endTime":286.88,"body":"what they're, you know, really"},{"speaker":"Will Owens","startTime":284.27,"endTime":286.88,"body":"good at and how to take that and"},{"speaker":"Will Owens","startTime":286.88,"endTime":289.79,"body":"turn it into a business."},{"speaker":"Will Owens","startTime":286.88,"endTime":289.79,"body":"Whereas, you know, creating"},{"speaker":"Will Owens","startTime":289.82,"endTime":291.89,"body":"income for them that they enjoy,"},{"speaker":"Average Joe Finances","startTime":292.07,"endTime":294.47,"body":"right on"},{"speaker":"Average Joe Finances","startTime":292.07,"endTime":294.47,"body":"what a story like I did a little"},{"speaker":"Average Joe Finances","startTime":294.47,"endTime":297.5,"body":"research you know, on you and"},{"speaker":"Average Joe Finances","startTime":294.47,"endTime":297.5,"body":"looking at your background and"},{"speaker":"Average Joe Finances","startTime":297.5,"endTime":302.45,"body":"sorry for your loss of your"},{"speaker":"Average Joe Finances","startTime":297.5,"endTime":302.45,"body":"mother. So for those of you that"},{"speaker":"Average Joe Finances","startTime":302.45,"endTime":306.44,"body":"don't know that what he's"},{"speaker":"Average Joe Finances","startTime":302.45,"endTime":306.44,"body":"talking about with that, in the"},{"speaker":"Average Joe Finances","startTime":306.44,"endTime":309.5,"body":"middle of everything else that"},{"speaker":"Average Joe Finances","startTime":306.44,"endTime":309.5,"body":"he had going on, and I hope I'm"},{"speaker":"Average Joe Finances","startTime":309.5,"endTime":311.96,"body":"not sharing too much of your"},{"speaker":"Average Joe Finances","startTime":309.5,"endTime":311.96,"body":"personal, I didn't know, go go"},{"speaker":"Average Joe Finances","startTime":311.96,"endTime":314.78,"body":"go forward, I go, I know that,"},{"speaker":"Average Joe Finances","startTime":311.96,"endTime":314.78,"body":"you know, when she got"},{"speaker":"Average Joe Finances","startTime":314.78,"endTime":318.62,"body":"diagnosed, right, she had cancer"},{"speaker":"Average Joe Finances","startTime":314.78,"endTime":318.62,"body":"stage four was I think it was"},{"speaker":"Average Joe Finances","startTime":318.62,"endTime":322.82,"body":"liver, you got it. 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And,"},{"speaker":"Average Joe Finances","startTime":327.62,"endTime":331.52,"body":"you know, that's, that's just a"},{"speaker":"Average Joe Finances","startTime":331.52,"endTime":336.02,"body":"whole life changing journey in"},{"speaker":"Average Joe Finances","startTime":331.52,"endTime":336.02,"body":"itself, dealing with the loss of"},{"speaker":"Average Joe Finances","startTime":336.02,"endTime":339.65,"body":"a parent, and then having to"},{"speaker":"Average Joe Finances","startTime":336.02,"endTime":339.65,"body":"take on that responsibility of"},{"speaker":"Average Joe Finances","startTime":339.65,"endTime":345.17,"body":"taking on, you know, the"},{"speaker":"Average Joe Finances","startTime":339.65,"endTime":345.17,"body":"caretaking of your siblings. 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And some of"},{"speaker":"Average Joe Finances","startTime":358.01,"endTime":361.46,"body":"the things so sorry, I take"},{"speaker":"Average Joe Finances","startTime":361.46,"endTime":367.1,"body":"notes while I'm while No. But"},{"speaker":"Average Joe Finances","startTime":361.46,"endTime":367.1,"body":"you know, you had the loss of a"},{"speaker":"Average Joe Finances","startTime":367.1,"endTime":369.23,"body":"job, you had the loss of your"},{"speaker":"Average Joe Finances","startTime":367.1,"endTime":369.23,"body":"mother, you had to take on the"},{"speaker":"Average Joe Finances","startTime":369.23,"endTime":372.05,"body":"responsibility of taking on"},{"speaker":"Average Joe Finances","startTime":369.23,"endTime":372.05,"body":"yourself, you know, taking on"},{"speaker":"Average Joe Finances","startTime":372.05,"endTime":375.89,"body":"your siblings and caretaking for"},{"speaker":"Average Joe Finances","startTime":372.05,"endTime":375.89,"body":"them. And then you realize,"},{"speaker":"Average Joe Finances","startTime":375.92,"endTime":378.65,"body":"like, you know, during your"},{"speaker":"Average Joe Finances","startTime":375.92,"endTime":378.65,"body":"spiritual journey, that one of"},{"speaker":"Average Joe Finances","startTime":378.65,"endTime":381.8,"body":"the things that you want to"},{"speaker":"Average Joe Finances","startTime":378.65,"endTime":381.8,"body":"focus on was the financial part"},{"speaker":"Average Joe Finances","startTime":381.8,"endTime":386.51,"body":"of it, right? Because I think at"},{"speaker":"Average Joe Finances","startTime":381.8,"endTime":386.51,"body":"that point, you realize, hey, I"},{"speaker":"Average Joe Finances","startTime":386.51,"endTime":390.11,"body":"need to do something different"},{"speaker":"Average Joe Finances","startTime":386.51,"endTime":390.11,"body":"other than work in a corporate"},{"speaker":"Average Joe Finances","startTime":390.11,"endTime":394.58,"body":"job, I need to be able to take"},{"speaker":"Average Joe Finances","startTime":390.11,"endTime":394.58,"body":"care of my siblings, and still"},{"speaker":"Average Joe Finances","startTime":394.58,"endTime":399.56,"body":"produce an income to to take"},{"speaker":"Average Joe Finances","startTime":394.58,"endTime":399.56,"body":"care of everybody. Right? And"},{"speaker":"Average Joe Finances","startTime":399.56,"endTime":402.02,"body":"then that whole situation with"},{"speaker":"Average Joe Finances","startTime":399.56,"endTime":402.02,"body":"the house man, that's, that's"},{"speaker":"Average Joe Finances","startTime":402.02,"endTime":404.48,"body":"crazy. I've never heard of"},{"speaker":"Average Joe Finances","startTime":402.02,"endTime":404.48,"body":"something like that where like"},{"speaker":"Average Joe Finances","startTime":404.48,"endTime":407.12,"body":"the NIMBY, neighbors aren't"},{"speaker":"Average Joe Finances","startTime":404.48,"endTime":407.12,"body":"paying the HOA. So they're like,"},{"speaker":"Average Joe Finances","startTime":407.45,"endTime":409.46,"body":"well, home value is gonna go"},{"speaker":"Average Joe Finances","startTime":407.45,"endTime":409.46,"body":"down. So we're not going to"},{"speaker":"Average Joe Finances","startTime":409.46,"endTime":412.7,"body":"prove this loan. 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And you know,"},{"speaker":"Will Owens","startTime":417.57,"endTime":421.08,"body":"one of our biblical, my favorite"},{"speaker":"Will Owens","startTime":421.08,"endTime":423.69,"body":"biblical phrases is my people"},{"speaker":"Will Owens","startTime":421.08,"endTime":423.69,"body":"perish due to a lack of"},{"speaker":"Will Owens","startTime":423.69,"endTime":426.54,"body":"knowledge and either wisdom and"},{"speaker":"Will Owens","startTime":423.69,"endTime":426.54,"body":"understanding. Because, you"},{"speaker":"Will Owens","startTime":426.54,"endTime":431.13,"body":"know, people, sometimes they"},{"speaker":"Will Owens","startTime":426.54,"endTime":431.13,"body":"don't actually know what's going"},{"speaker":"Will Owens","startTime":431.13,"endTime":434.76,"body":"on, you know, and the world"},{"speaker":"Will Owens","startTime":431.13,"endTime":434.76,"body":"system lies, and there's so many"},{"speaker":"Will Owens","startTime":434.76,"endTime":438.66,"body":"systems that keep us in the rat"},{"speaker":"Will Owens","startTime":434.76,"endTime":438.66,"body":"race. And I'm like, if you open"},{"speaker":"Will Owens","startTime":438.66,"endTime":441.03,"body":"your eyes, you can see where"},{"speaker":"Will Owens","startTime":438.66,"endTime":441.03,"body":"they're affecting you. And it's"},{"speaker":"Will Owens","startTime":441.03,"endTime":443.28,"body":"like, let's, let's do what we"},{"speaker":"Will Owens","startTime":441.03,"endTime":443.28,"body":"have to do to change those"},{"speaker":"Will Owens","startTime":443.28,"endTime":446.16,"body":"things so that you can get"},{"speaker":"Will Owens","startTime":443.28,"endTime":446.16,"body":"released."},{"speaker":"Average Joe Finances","startTime":446.19,"endTime":447.69,"body":"Yeah, and"},{"speaker":"Average Joe Finances","startTime":446.19,"endTime":447.69,"body":"you know, one of the key things"},{"speaker":"Average Joe Finances","startTime":447.69,"endTime":450.09,"body":"I want to point out there is"},{"speaker":"Average Joe Finances","startTime":447.69,"endTime":450.09,"body":"you're talking about, you know,"},{"speaker":"Average Joe Finances","startTime":450.09,"endTime":453.12,"body":"the knowledge and the education"},{"speaker":"Average Joe Finances","startTime":450.09,"endTime":453.12,"body":"that you have to bring on,"},{"speaker":"Average Joe Finances","startTime":453.12,"endTime":456.15,"body":"right, you can't just jump into"},{"speaker":"Average Joe Finances","startTime":453.12,"endTime":456.15,"body":"this and say, Okay, I'm going to"},{"speaker":"Average Joe Finances","startTime":456.15,"endTime":459.66,"body":"be an entrepreneur. Now. I mean,"},{"speaker":"Average Joe Finances","startTime":456.15,"endTime":459.66,"body":"you can, but you need to do some"},{"speaker":"Average Joe Finances","startTime":459.66,"endTime":462.93,"body":"type of research and, you know,"},{"speaker":"Average Joe Finances","startTime":459.66,"endTime":462.93,"body":"at least in the field that"},{"speaker":"Average Joe Finances","startTime":462.93,"endTime":466.41,"body":"you're interested in, and the"},{"speaker":"Average Joe Finances","startTime":462.93,"endTime":466.41,"body":"route you want to go, right, so."},{"speaker":"Average Joe Finances","startTime":467.37,"endTime":470.16,"body":"So you did you know, you did"},{"speaker":"Average Joe Finances","startTime":467.37,"endTime":470.16,"body":"your due diligence, and you"},{"speaker":"Average Joe Finances","startTime":470.16,"endTime":472.95,"body":"figured out what it is you want"},{"speaker":"Average Joe Finances","startTime":470.16,"endTime":472.95,"body":"it to be. And I want to talk"},{"speaker":"Average Joe Finances","startTime":472.95,"endTime":476.91,"body":"about that a little bit. And I"},{"speaker":"Average Joe Finances","startTime":472.95,"endTime":476.91,"body":"know right now you offer"},{"speaker":"Average Joe Finances","startTime":476.91,"endTime":480.21,"body":"coaching services, and you even"},{"speaker":"Average Joe Finances","startTime":476.91,"endTime":480.21,"body":"have a financial literacy course"},{"speaker":"Average Joe Finances","startTime":480.21,"endTime":484.68,"body":"too. So I'd like to talk a"},{"speaker":"Average Joe Finances","startTime":480.21,"endTime":484.68,"body":"little bit about that. So what"},{"speaker":"Average Joe Finances","startTime":484.77,"endTime":489.15,"body":"what made you decide that"},{"speaker":"Average Joe Finances","startTime":484.77,"endTime":489.15,"body":"coaching is going to be the"},{"speaker":"Average Joe Finances","startTime":489.15,"endTime":490.41,"body":"right fit for you."},{"speaker":"Will Owens","startTime":490.98,"endTime":493.29,"body":"So I just have a"},{"speaker":"Will Owens","startTime":490.98,"endTime":493.29,"body":"natural talent for problem"},{"speaker":"Will Owens","startTime":493.29,"endTime":496.74,"body":"solving. So I went through for"},{"speaker":"Will Owens","startTime":493.29,"endTime":496.74,"body":"engineering and the University"},{"speaker":"Will Owens","startTime":496.74,"endTime":501.42,"body":"of Pittsburgh, and graduated"},{"speaker":"Will Owens","startTime":496.74,"endTime":501.42,"body":"and, you know, I realized, all I"},{"speaker":"Will Owens","startTime":501.42,"endTime":504.9,"body":"was doing while I was there, I"},{"speaker":"Will Owens","startTime":501.42,"endTime":504.9,"body":"was learning how to solve"},{"speaker":"Will Owens","startTime":504.9,"endTime":508.59,"body":"problems. And critically think,"},{"speaker":"Will Owens","startTime":504.9,"endTime":508.59,"body":"which is something that a lot of"},{"speaker":"Will Owens","startTime":508.59,"endTime":512.25,"body":"people do not realize they do"},{"speaker":"Will Owens","startTime":508.59,"endTime":512.25,"body":"not have that skill set, they"},{"speaker":"Will Owens","startTime":512.25,"endTime":516.12,"body":"said common sense is not so"},{"speaker":"Will Owens","startTime":512.25,"endTime":516.12,"body":"common. And so when I take that"},{"speaker":"Will Owens","startTime":516.12,"endTime":520.44,"body":"information, and apply it to"},{"speaker":"Will Owens","startTime":516.12,"endTime":520.44,"body":"real life, you know, I just ask"},{"speaker":"Will Owens","startTime":520.44,"endTime":522.39,"body":"people, like, what are your"},{"speaker":"Will Owens","startTime":520.44,"endTime":522.39,"body":"problems, what are the issues"},{"speaker":"Will Owens","startTime":522.39,"endTime":526.83,"body":"that you're going through, and"},{"speaker":"Will Owens","startTime":522.39,"endTime":526.83,"body":"you know, it, it kind of fires"},{"speaker":"Will Owens","startTime":526.83,"endTime":530.61,"body":"me up inside of my spirit, to"},{"speaker":"Will Owens","startTime":526.83,"endTime":530.61,"body":"where I can hear their problems,"},{"speaker":"Will Owens","startTime":530.61,"endTime":533.52,"body":"and know that I have a solution"},{"speaker":"Will Owens","startTime":530.61,"endTime":533.52,"body":"for them, and then coaching them"},{"speaker":"Will Owens","startTime":533.52,"endTime":538.11,"body":"to, you know, get past their"},{"speaker":"Will Owens","startTime":533.52,"endTime":538.11,"body":"mindset, and their fears and"},{"speaker":"Will Owens","startTime":538.14,"endTime":541.08,"body":"excel in life, you know, it's"},{"speaker":"Will Owens","startTime":538.14,"endTime":541.08,"body":"not the mind making a person who"},{"speaker":"Will Owens","startTime":541.08,"endTime":544.98,"body":"was crying, depressed or"},{"speaker":"Will Owens","startTime":541.08,"endTime":544.98,"body":"stressed, feel a different"},{"speaker":"Will Owens","startTime":544.98,"endTime":548.07,"body":"emotional, you know, love, joy"},{"speaker":"Will Owens","startTime":544.98,"endTime":548.07,"body":"and peace. It's, it's truly"},{"speaker":"Will Owens","startTime":548.07,"endTime":550.47,"body":"phenomenal. And I'm like, you"},{"speaker":"Will Owens","startTime":548.07,"endTime":550.47,"body":"know, if I can do that for"},{"speaker":"Will Owens","startTime":550.47,"endTime":552.99,"body":"anybody, I will, you know, it's"},{"speaker":"Will Owens","startTime":550.47,"endTime":552.99,"body":"like finding the cure for"},{"speaker":"Will Owens","startTime":552.99,"endTime":556.08,"body":"cancer. Like, why would you not"},{"speaker":"Will Owens","startTime":552.99,"endTime":556.08,"body":"give it if you can, you know,"},{"speaker":"Will Owens","startTime":556.11,"endTime":557.79,"body":"can do that and change that"},{"speaker":"Will Owens","startTime":556.11,"endTime":557.79,"body":"person's life?"},{"speaker":"Average Joe Finances","startTime":557.82,"endTime":559.32,"body":"Yeah,"},{"speaker":"Average Joe Finances","startTime":557.82,"endTime":559.32,"body":"that's fantastic. You know, one"},{"speaker":"Average Joe Finances","startTime":559.32,"endTime":562.41,"body":"of the things you're talking"},{"speaker":"Average Joe Finances","startTime":559.32,"endTime":562.41,"body":"about here, that got you started"},{"speaker":"Average Joe Finances","startTime":562.41,"endTime":566.97,"body":"in this is your love of being"},{"speaker":"Average Joe Finances","startTime":562.41,"endTime":566.97,"body":"able to solve a problem, right?"},{"speaker":"Average Joe Finances","startTime":566.97,"endTime":571.35,"body":"So, you know, not only did you"},{"speaker":"Average Joe Finances","startTime":566.97,"endTime":571.35,"body":"get a particular skill set by,"},{"speaker":"Average Joe Finances","startTime":571.35,"endTime":574.53,"body":"you know, going to school for"},{"speaker":"Average Joe Finances","startTime":571.35,"endTime":574.53,"body":"engineering, but at the same"},{"speaker":"Average Joe Finances","startTime":574.53,"endTime":578.19,"body":"time, it's, it's, it's not only"},{"speaker":"Average Joe Finances","startTime":574.53,"endTime":578.19,"body":"what you learn, but it looks"},{"speaker":"Average Joe Finances","startTime":578.19,"endTime":581.1,"body":"like you have like an inner"},{"speaker":"Average Joe Finances","startTime":578.19,"endTime":581.1,"body":"fire, like an inner passion to"},{"speaker":"Average Joe Finances","startTime":581.28,"endTime":586.41,"body":"help others. And that's like a"},{"speaker":"Average Joe Finances","startTime":581.28,"endTime":586.41,"body":"key driver for you. So, I mean,"},{"speaker":"Average Joe Finances","startTime":587.01,"endTime":590.85,"body":"there's always people to help,"},{"speaker":"Average Joe Finances","startTime":587.01,"endTime":590.85,"body":"you know, always solving solving"},{"speaker":"Average Joe Finances","startTime":590.85,"endTime":593.94,"body":"other people's problems just"},{"speaker":"Average Joe Finances","startTime":590.85,"endTime":593.94,"body":"fires you up, right? Yeah, yeah."},{"speaker":"Average Joe Finances","startTime":594.33,"endTime":597.36,"body":"Okay, awesome and emotional."},{"speaker":"Average Joe Finances","startTime":594.33,"endTime":597.36,"body":"It's an emotional tied to that."},{"speaker":"Average Joe Finances","startTime":597.42,"endTime":600.57,"body":"Yeah, absolutely. Well, you"},{"speaker":"Average Joe Finances","startTime":597.42,"endTime":600.57,"body":"know, and actually Let's talk"},{"speaker":"Average Joe Finances","startTime":600.57,"endTime":604.35,"body":"about that a little bit. Right?"},{"speaker":"Average Joe Finances","startTime":600.57,"endTime":604.35,"body":"emotional ties, right? Because I"},{"speaker":"Average Joe Finances","startTime":604.35,"endTime":607.59,"body":"don't care what what you say,"},{"speaker":"Average Joe Finances","startTime":604.35,"endTime":607.59,"body":"people will say this all day"},{"speaker":"Average Joe Finances","startTime":607.59,"endTime":610.14,"body":"that I'm not emotionally tied to"},{"speaker":"Average Joe Finances","startTime":607.59,"endTime":610.14,"body":"my money. I'm not emotionally"},{"speaker":"Average Joe Finances","startTime":610.14,"endTime":613.29,"body":"tied to this or that or"},{"speaker":"Average Joe Finances","startTime":610.14,"endTime":613.29,"body":"whatever. I even sometimes I"},{"speaker":"Average Joe Finances","startTime":613.29,"endTime":615.33,"body":"tell my wife, I'm not"},{"speaker":"Average Joe Finances","startTime":613.29,"endTime":615.33,"body":"emotionally tied to the house we"},{"speaker":"Average Joe Finances","startTime":615.33,"endTime":617.79,"body":"live in. So I'm like, hey, if I"},{"speaker":"Average Joe Finances","startTime":615.33,"endTime":617.79,"body":"got four walls and a roof, I'm"},{"speaker":"Average Joe Finances","startTime":617.79,"endTime":622.08,"body":"happy I could pick up somewhere"},{"speaker":"Average Joe Finances","startTime":617.79,"endTime":622.08,"body":"tomorrow. That's not realistic,"},{"speaker":"Average Joe Finances","startTime":622.08,"endTime":625.44,"body":"right? You know, there is some"},{"speaker":"Average Joe Finances","startTime":622.08,"endTime":625.44,"body":"emotion there, right? Anytime"},{"speaker":"Average Joe Finances","startTime":625.44,"endTime":628.71,"body":"you make a purchase, there's"},{"speaker":"Average Joe Finances","startTime":625.44,"endTime":628.71,"body":"emotion involved, right? You"},{"speaker":"Average Joe Finances","startTime":628.71,"endTime":631.92,"body":"know, one of the things that you"},{"speaker":"Average Joe Finances","startTime":628.71,"endTime":631.92,"body":"do as a coach is you help"},{"speaker":"Average Joe Finances","startTime":631.92,"endTime":635.88,"body":"identify that emotion. Right?"},{"speaker":"Average Joe Finances","startTime":631.92,"endTime":635.88,"body":"Yeah, it's a lot of people don't"},{"speaker":"Average Joe Finances","startTime":635.88,"endTime":638.07,"body":"realize that they have these"},{"speaker":"Average Joe Finances","startTime":635.88,"endTime":638.07,"body":"emotions when they go into it."},{"speaker":"Average Joe Finances","startTime":638.07,"endTime":641.91,"body":"So I want to talk a little bit"},{"speaker":"Average Joe Finances","startTime":638.07,"endTime":641.91,"body":"about, you know, you as a coach,"},{"speaker":"Average Joe Finances","startTime":641.94,"endTime":645.81,"body":"and what are some of the things"},{"speaker":"Average Joe Finances","startTime":641.94,"endTime":645.81,"body":"you offer as a coach,"},{"speaker":"Will Owens","startTime":645.87,"endTime":649.05,"body":"um, you know, so I"},{"speaker":"Will Owens","startTime":645.87,"endTime":649.05,"body":"call it the six fears, and I"},{"speaker":"Will Owens","startTime":649.05,"endTime":652.14,"body":"teach people how to overcome the"},{"speaker":"Will Owens","startTime":649.05,"endTime":652.14,"body":"six fears of six figures, they"},{"speaker":"Will Owens","startTime":652.14,"endTime":656.79,"body":"actually paralyze a lot of"},{"speaker":"Will Owens","startTime":652.14,"endTime":656.79,"body":"people. So it's the fear of"},{"speaker":"Will Owens","startTime":656.82,"endTime":663.27,"body":"poverty, the fear of criticism,"},{"speaker":"Will Owens","startTime":656.82,"endTime":663.27,"body":"the fear of illness, right,"},{"speaker":"Will Owens","startTime":663.27,"endTime":669.6,"body":"getting sick, the fear of death,"},{"speaker":"Will Owens","startTime":663.27,"endTime":669.6,"body":"fear of old age, and the fear of"},{"speaker":"Will Owens","startTime":669.63,"endTime":672.66,"body":"loss of love, right, like,"},{"speaker":"Will Owens","startTime":669.63,"endTime":672.66,"body":"somebody is going to steal your"},{"speaker":"Will Owens","startTime":672.66,"endTime":676.62,"body":"love away. And you know, you're"},{"speaker":"Will Owens","startTime":672.66,"endTime":676.62,"body":"trying everything to hold on to"},{"speaker":"Will Owens","startTime":676.62,"endTime":679.41,"body":"that person, because"},{"speaker":"Will Owens","startTime":676.62,"endTime":679.41,"body":"relationships are very important"},{"speaker":"Will Owens","startTime":679.41,"endTime":683.1,"body":"in life. And so you hold on, you"},{"speaker":"Will Owens","startTime":679.41,"endTime":683.1,"body":"know, like you said, even if"},{"speaker":"Will Owens","startTime":683.13,"endTime":685.41,"body":"these things relate to money, so"},{"speaker":"Will Owens","startTime":683.13,"endTime":685.41,"body":"I tell people, how you do"},{"speaker":"Will Owens","startTime":685.41,"endTime":688.71,"body":"anything, is how you do"},{"speaker":"Will Owens","startTime":685.41,"endTime":688.71,"body":"everything. So if you're fearful"},{"speaker":"Will Owens","startTime":688.71,"endTime":691.92,"body":"to take the leap, you know, to"},{"speaker":"Will Owens","startTime":688.71,"endTime":691.92,"body":"move forward in your business,"},{"speaker":"Will Owens","startTime":691.95,"endTime":695.67,"body":"or, you know, even with making a"},{"speaker":"Will Owens","startTime":691.95,"endTime":695.67,"body":"purchase, or investing in"},{"speaker":"Will Owens","startTime":695.67,"endTime":699.3,"body":"something that translates to so"},{"speaker":"Will Owens","startTime":695.67,"endTime":699.3,"body":"many other things where you may"},{"speaker":"Will Owens","startTime":699.3,"endTime":702.54,"body":"be holding back. And, you know,"},{"speaker":"Will Owens","startTime":699.3,"endTime":702.54,"body":"I say greatness exists on the"},{"speaker":"Will Owens","startTime":702.54,"endTime":707.16,"body":"other side of fear. So helping"},{"speaker":"Will Owens","startTime":702.54,"endTime":707.16,"body":"people recognize their fear, you"},{"speaker":"Will Owens","startTime":707.16,"endTime":710.16,"body":"know, change their emotional"},{"speaker":"Will Owens","startTime":707.16,"endTime":710.16,"body":"state to, you know, get the"},{"speaker":"Will Owens","startTime":710.16,"endTime":714.24,"body":"excitement there. And the"},{"speaker":"Will Owens","startTime":710.16,"endTime":714.24,"body":"inspiration right inside, not"},{"speaker":"Will Owens","startTime":714.24,"endTime":717.45,"body":"motivation, motivation is weak"},{"speaker":"Will Owens","startTime":714.24,"endTime":717.45,"body":"inspiration that changed on the"},{"speaker":"Will Owens","startTime":717.48,"endTime":720.21,"body":"inside, to where they"},{"speaker":"Will Owens","startTime":717.48,"endTime":720.21,"body":"transformed, and then go, you"},{"speaker":"Will Owens","startTime":720.21,"endTime":723.36,"body":"know, to overcome that fear, and"},{"speaker":"Will Owens","startTime":720.21,"endTime":723.36,"body":"then take a new direction on"},{"speaker":"Will Owens","startTime":723.36,"endTime":726.3,"body":"their life. It's powerful, you"},{"speaker":"Will Owens","startTime":723.36,"endTime":726.3,"body":"know, and then it really does"},{"speaker":"Will Owens","startTime":726.3,"endTime":729.66,"body":"impact their finances. Imagine"},{"speaker":"Will Owens","startTime":726.3,"endTime":729.66,"body":"you walking around with the"},{"speaker":"Will Owens","startTime":729.66,"endTime":733.59,"body":"smile, talking about the Average"},{"speaker":"Will Owens","startTime":729.66,"endTime":733.59,"body":"Joe Finances, you know, to"},{"speaker":"Will Owens","startTime":733.59,"endTime":736.5,"body":"everybody, and then they're"},{"speaker":"Will Owens","startTime":733.59,"endTime":736.5,"body":"like, Well, you know, what is he"},{"speaker":"Will Owens","startTime":736.5,"endTime":739.53,"body":"doing? And they're like, why"},{"speaker":"Will Owens","startTime":736.5,"endTime":739.53,"body":"she's so excited, they're gonna"},{"speaker":"Will Owens","startTime":739.53,"endTime":743.04,"body":"be drawn into that energy and"},{"speaker":"Will Owens","startTime":739.53,"endTime":743.04,"body":"attracted to that, so that they"},{"speaker":"Will Owens","startTime":743.04,"endTime":745.74,"body":"can, you know, figure out what"},{"speaker":"Will Owens","startTime":743.04,"endTime":745.74,"body":"you do. Why are you so excited"},{"speaker":"Will Owens","startTime":745.74,"endTime":747.75,"body":"all the time, and they're"},{"speaker":"Will Owens","startTime":745.74,"endTime":747.75,"body":"walking around with the attitude"},{"speaker":"Will Owens","startTime":747.75,"endTime":751.14,"body":"or stress and depressed? So it's"},{"speaker":"Will Owens","startTime":747.75,"endTime":751.14,"body":"Yeah, it's phenomenal."},{"speaker":"Average Joe Finances","startTime":751.0,"endTime":752.26,"body":"It's"},{"speaker":"Average Joe Finances","startTime":751.0,"endTime":752.26,"body":"funny, you mentioned that,"},{"speaker":"Average Joe Finances","startTime":752.26,"endTime":754.33,"body":"because, you know, people do ask"},{"speaker":"Average Joe Finances","startTime":752.26,"endTime":754.33,"body":"me that all the time. Like, hey,"},{"speaker":"Average Joe Finances","startTime":754.33,"endTime":756.61,"body":"you know, why, why did you start"},{"speaker":"Average Joe Finances","startTime":754.33,"endTime":756.61,"body":"this? Why are you doing this and"},{"speaker":"Average Joe Finances","startTime":756.61,"endTime":759.88,"body":"all that. And, you know, and"},{"speaker":"Average Joe Finances","startTime":756.61,"endTime":759.88,"body":"that, and that's the main reason"},{"speaker":"Average Joe Finances","startTime":759.88,"endTime":763.39,"body":"is to just get messages like"},{"speaker":"Average Joe Finances","startTime":759.88,"endTime":763.39,"body":"this out there, and get other"},{"speaker":"Average Joe Finances","startTime":763.39,"endTime":766.99,"body":"people thinking this way and"},{"speaker":"Average Joe Finances","startTime":763.39,"endTime":766.99,"body":"motivated to just better"},{"speaker":"Average Joe Finances","startTime":766.99,"endTime":770.38,"body":"themselves better than"},{"speaker":"Average Joe Finances","startTime":766.99,"endTime":770.38,"body":"lifestyle. You know, there there"},{"speaker":"Average Joe Finances","startTime":770.38,"endTime":774.28,"body":"is more to life than just"},{"speaker":"Average Joe Finances","startTime":770.38,"endTime":774.28,"body":"working a nine to five every"},{"speaker":"Average Joe Finances","startTime":774.28,"endTime":777.58,"body":"day, like you said earlier, you"},{"speaker":"Average Joe Finances","startTime":774.28,"endTime":777.58,"body":"know, the whole rat race, right."},{"speaker":"Average Joe Finances","startTime":778.33,"endTime":780.43,"body":"But I really like what you're"},{"speaker":"Average Joe Finances","startTime":778.33,"endTime":780.43,"body":"talking about here with the six"},{"speaker":"Average Joe Finances","startTime":780.43,"endTime":783.37,"body":"fears. I mean, poverty,"},{"speaker":"Average Joe Finances","startTime":780.43,"endTime":783.37,"body":"criticism, illness, death, old"},{"speaker":"Average Joe Finances","startTime":783.37,"endTime":787.63,"body":"age and loss of love. And, you"},{"speaker":"Average Joe Finances","startTime":783.37,"endTime":787.63,"body":"know, I hate saying that, that,"},{"speaker":"Average Joe Finances","startTime":787.72,"endTime":790.12,"body":"you know, I don't want to"},{"speaker":"Average Joe Finances","startTime":787.72,"endTime":790.12,"body":"idolize money at all right. But"},{"speaker":"Average Joe Finances","startTime":790.12,"endTime":793.6,"body":"you know, when, when you have"},{"speaker":"Average Joe Finances","startTime":790.12,"endTime":793.6,"body":"these fears, like you said, you"},{"speaker":"Average Joe Finances","startTime":793.6,"endTime":796.06,"body":"know, you can tie this into"},{"speaker":"Average Joe Finances","startTime":793.6,"endTime":796.06,"body":"anything. And when you tied into"},{"speaker":"Average Joe Finances","startTime":796.06,"endTime":800.53,"body":"your finances, you know, loss of"},{"speaker":"Average Joe Finances","startTime":796.06,"endTime":800.53,"body":"love can be the loss of your"},{"speaker":"Average Joe Finances","startTime":800.53,"endTime":803.41,"body":"home, right? Something that"},{"speaker":"Average Joe Finances","startTime":800.53,"endTime":803.41,"body":"truly you're in love with and"},{"speaker":"Average Joe Finances","startTime":803.41,"endTime":806.11,"body":"you're passionate about your"},{"speaker":"Average Joe Finances","startTime":803.41,"endTime":806.11,"body":"home, you've put so much work"},{"speaker":"Average Joe Finances","startTime":806.11,"endTime":808.63,"body":"and effort into it. And"},{"speaker":"Average Joe Finances","startTime":806.11,"endTime":808.63,"body":"something comes along and you"},{"speaker":"Average Joe Finances","startTime":808.63,"endTime":811.81,"body":"lose your job and you can't pay"},{"speaker":"Average Joe Finances","startTime":808.63,"endTime":811.81,"body":"your mortgage. Now what? You"},{"speaker":"Average Joe Finances","startTime":811.81,"endTime":814.27,"body":"know, so yeah, these fears are"},{"speaker":"Average Joe Finances","startTime":811.81,"endTime":814.27,"body":"definitely something that can"},{"speaker":"Average Joe Finances","startTime":814.27,"endTime":816.01,"body":"hold somebody back, right?"},{"speaker":"Will Owens","startTime":816.04,"endTime":818.02,"body":"Think about it,"},{"speaker":"Will Owens","startTime":816.04,"endTime":818.02,"body":"right? Look, how many divorces"},{"speaker":"Will Owens","startTime":818.02,"endTime":821.32,"body":"happen if you tie a tie back"},{"speaker":"Will Owens","startTime":818.02,"endTime":821.32,"body":"into like, what was the true"},{"speaker":"Will Owens","startTime":821.32,"endTime":824.98,"body":"root cause? Right, right, we"},{"speaker":"Will Owens","startTime":821.32,"endTime":824.98,"body":"look at like symptoms or you"},{"speaker":"Will Owens","startTime":824.98,"endTime":828.16,"body":"know, you know, things that"},{"speaker":"Will Owens","startTime":824.98,"endTime":828.16,"body":"appear to be, but if you look at"},{"speaker":"Will Owens","startTime":828.16,"endTime":831.31,"body":"the root cause, like, yeah, this"},{"speaker":"Will Owens","startTime":828.16,"endTime":831.31,"body":"person wasn't making enough"},{"speaker":"Will Owens","startTime":831.31,"endTime":833.83,"body":"money for me. So I had to leave."},{"speaker":"Will Owens","startTime":831.31,"endTime":833.83,"body":"And it's like, Wait, what? Hold"},{"speaker":"Will Owens","startTime":833.83,"endTime":836.83,"body":"on, you know, that's, that's"},{"speaker":"Will Owens","startTime":833.83,"endTime":836.83,"body":"really why you left? Yeah, we"},{"speaker":"Will Owens","startTime":836.83,"endTime":839.95,"body":"were always arguing about money."},{"speaker":"Will Owens","startTime":836.83,"endTime":839.95,"body":"And it's like, oh, my God, like,"},{"speaker":"Will Owens","startTime":839.98,"endTime":842.59,"body":"we weren't going on dates,"},{"speaker":"Will Owens","startTime":839.98,"endTime":842.59,"body":"because we couldn't afford it."},{"speaker":"Will Owens","startTime":842.83,"endTime":844.69,"body":"Like, you know, we weren't"},{"speaker":"Will Owens","startTime":842.83,"endTime":844.69,"body":"spending enough time together"},{"speaker":"Will Owens","startTime":844.69,"endTime":849.13,"body":"because it was always at work."},{"speaker":"Will Owens","startTime":844.69,"endTime":849.13,"body":"It money truly impacts a lot of"},{"speaker":"Will Owens","startTime":849.13,"endTime":852.76,"body":"people's lives. And we don't"},{"speaker":"Will Owens","startTime":849.13,"endTime":852.76,"body":"realize it. And it's just a"},{"speaker":"Will Owens","startTime":852.76,"endTime":857.56,"body":"representation, that that dollar"},{"speaker":"Will Owens","startTime":852.76,"endTime":857.56,"body":"is a representation of so many"},{"speaker":"Will Owens","startTime":857.59,"endTime":860.74,"body":"other things. And if you use it"},{"speaker":"Will Owens","startTime":857.59,"endTime":860.74,"body":"in a positive role, it turns out"},{"speaker":"Will Owens","startTime":860.74,"endTime":863.98,"body":"wonderful for you use the"},{"speaker":"Will Owens","startTime":860.74,"endTime":863.98,"body":"negative route. And it has a lot"},{"speaker":"Will Owens","startTime":863.98,"endTime":867.52,"body":"of interesting intrinsic"},{"speaker":"Will Owens","startTime":863.98,"endTime":867.52,"body":"characteristics about it like"},{"speaker":"Will Owens","startTime":867.52,"endTime":871.12,"body":"greed, you know, in so many"},{"speaker":"Will Owens","startTime":867.52,"endTime":871.12,"body":"other things."},{"speaker":"Average Joe Finances","startTime":872.08,"endTime":874.21,"body":"Yeah,"},{"speaker":"Average Joe Finances","startTime":872.08,"endTime":874.21,"body":"there's so much more to it than"},{"speaker":"Average Joe Finances","startTime":874.21,"endTime":879.16,"body":"just fear. Right? Because now if"},{"speaker":"Average Joe Finances","startTime":874.21,"endTime":879.16,"body":"you if you overdo it, right, and"},{"speaker":"Average Joe Finances","startTime":879.19,"endTime":882.16,"body":"there's a key word that you said"},{"speaker":"Average Joe Finances","startTime":879.19,"endTime":882.16,"body":"there greed, right if you overdo"},{"speaker":"Average Joe Finances","startTime":882.16,"endTime":886.36,"body":"it, and you're not giving back"},{"speaker":"Average Joe Finances","startTime":882.16,"endTime":886.36,"body":"to others. You know, there's a"},{"speaker":"Average Joe Finances","startTime":886.36,"endTime":889.66,"body":"classic story about this that"},{"speaker":"Average Joe Finances","startTime":886.36,"endTime":889.66,"body":"cut you know, you see it every"},{"speaker":"Average Joe Finances","startTime":889.66,"endTime":894.4,"body":"Christmas time about Ebenezer"},{"speaker":"Average Joe Finances","startTime":889.66,"endTime":894.4,"body":"Scrooge, right? Yeah. That you"},{"speaker":"Average Joe Finances","startTime":894.4,"endTime":897.94,"body":"don't want to live your life as"},{"speaker":"Average Joe Finances","startTime":894.4,"endTime":897.94,"body":"a miser. Right? And one of the"},{"speaker":"Average Joe Finances","startTime":897.94,"endTime":901.99,"body":"wonderful things about you know"},{"speaker":"Average Joe Finances","startTime":897.94,"endTime":901.99,"body":"Especially for folks with with"},{"speaker":"Average Joe Finances","startTime":901.99,"endTime":908.41,"body":"an entrepreneur, entrepreneurial"},{"speaker":"Average Joe Finances","startTime":901.99,"endTime":908.41,"body":"mindset, you know, is I have yet"},{"speaker":"Average Joe Finances","startTime":908.41,"endTime":912.58,"body":"to really meet anybody that's an"},{"speaker":"Average Joe Finances","startTime":908.41,"endTime":912.58,"body":"entrepreneur that's, that's,"},{"speaker":"Average Joe Finances","startTime":912.61,"endTime":915.34,"body":"that has their own business"},{"speaker":"Average Joe Finances","startTime":912.61,"endTime":915.34,"body":"that's working hard. That"},{"speaker":"Average Joe Finances","startTime":915.34,"endTime":916.66,"body":"doesn't give back."},{"speaker":"Will Owens","startTime":917.2,"endTime":919.93,"body":"Yo u have to that's"},{"speaker":"Will Owens","startTime":917.2,"endTime":919.93,"body":"a part of customer service, you"},{"speaker":"Will Owens","startTime":919.93,"endTime":920.35,"body":"have to"},{"speaker":"Average Joe Finances","startTime":920.35,"endTime":922.6,"body":"absolutely,"},{"speaker":"Average Joe Finances","startTime":920.35,"endTime":922.6,"body":"you know, well, it's like,"},{"speaker":"Average Joe Finances","startTime":923.14,"endTime":925.33,"body":"especially like in the space"},{"speaker":"Average Joe Finances","startTime":923.14,"endTime":925.33,"body":"that I'm in right now with real"},{"speaker":"Average Joe Finances","startTime":925.33,"endTime":928.9,"body":"estate, right and, and other"},{"speaker":"Average Joe Finances","startTime":925.33,"endTime":928.9,"body":"investors, like they're, no"},{"speaker":"Average Joe Finances","startTime":928.9,"endTime":931.81,"body":"one's afraid to share"},{"speaker":"Average Joe Finances","startTime":928.9,"endTime":931.81,"body":"information to help everybody"},{"speaker":"Average Joe Finances","startTime":931.81,"endTime":933.7,"body":"because, you know, one of the"},{"speaker":"Average Joe Finances","startTime":931.81,"endTime":933.7,"body":"key things they say is, there's"},{"speaker":"Average Joe Finances","startTime":933.7,"endTime":935.8,"body":"enough real estate and there's"},{"speaker":"Average Joe Finances","startTime":933.7,"endTime":935.8,"body":"enough money to go around for"},{"speaker":"Average Joe Finances","startTime":935.8,"endTime":939.25,"body":"everybody, you got it. And, you"},{"speaker":"Average Joe Finances","startTime":935.8,"endTime":939.25,"body":"know, surrounding yourself with"},{"speaker":"Average Joe Finances","startTime":939.25,"endTime":943.81,"body":"people positive people that have"},{"speaker":"Average Joe Finances","startTime":939.25,"endTime":943.81,"body":"that kind of mindset, that, you"},{"speaker":"Average Joe Finances","startTime":943.81,"endTime":948.34,"body":"know, positivity is going to"},{"speaker":"Average Joe Finances","startTime":943.81,"endTime":948.34,"body":"breed positivity, you know, law"},{"speaker":"Average Joe Finances","startTime":948.34,"endTime":953.92,"body":"of attraction, law of"},{"speaker":"Average Joe Finances","startTime":948.34,"endTime":953.92,"body":"attraction. So, yeah, no, I, I"},{"speaker":"Average Joe Finances","startTime":953.92,"endTime":955.69,"body":"love it, man. I love talking"},{"speaker":"Average Joe Finances","startTime":953.92,"endTime":955.69,"body":"about this,"},{"speaker":"Will Owens","startTime":956.26,"endTime":958.6,"body":"then, and then the"},{"speaker":"Will Owens","startTime":956.26,"endTime":958.6,"body":"abundance mindset, there's no,"},{"speaker":"Will Owens","startTime":958.6,"endTime":961.81,"body":"lastly, no, and that's where"},{"speaker":"Will Owens","startTime":958.6,"endTime":961.81,"body":"when you understand, you know,"},{"speaker":"Will Owens","startTime":961.81,"endTime":964.36,"body":"you have the transformation, the"},{"speaker":"Will Owens","startTime":961.81,"endTime":964.36,"body":"new mindset to understand there"},{"speaker":"Will Owens","startTime":964.36,"endTime":968.29,"body":"is no lack. And there's more"},{"speaker":"Will Owens","startTime":964.36,"endTime":968.29,"body":"than enough to go around. Right?"},{"speaker":"Will Owens","startTime":968.35,"endTime":971.38,"body":"You start operating to where you"},{"speaker":"Will Owens","startTime":968.35,"endTime":971.38,"body":"can give to other people, like,"},{"speaker":"Will Owens","startTime":971.38,"endTime":974.53,"body":"you know, I love the fact that"},{"speaker":"Will Owens","startTime":971.38,"endTime":974.53,"body":"in your Episode Two, you talked"},{"speaker":"Will Owens","startTime":974.53,"endTime":978.25,"body":"about, like giving, you know,"},{"speaker":"Will Owens","startTime":974.53,"endTime":978.25,"body":"and you know, to charity, or"},{"speaker":"Will Owens","startTime":978.25,"endTime":981.43,"body":"tides, or whatever, I'm really"},{"speaker":"Will Owens","startTime":978.25,"endTime":981.43,"body":"big on paying my tithes, and I"},{"speaker":"Will Owens","startTime":981.43,"endTime":984.91,"body":"pay tithes and offerings, right?"},{"speaker":"Will Owens","startTime":981.43,"endTime":984.91,"body":"That's an excess, right"},{"speaker":"Will Owens","startTime":984.91,"endTime":989.77,"body":"offerings is an excess of your"},{"speaker":"Will Owens","startTime":984.91,"endTime":989.77,"body":"tides. And I'm like, I operate"},{"speaker":"Will Owens","startTime":989.77,"endTime":993.61,"body":"by Kingdom Principles, right? Of"},{"speaker":"Will Owens","startTime":989.77,"endTime":993.61,"body":"course, we live in the democracy"},{"speaker":"Will Owens","startTime":993.64,"endTime":998.02,"body":"of the United States. But I"},{"speaker":"Will Owens","startTime":993.64,"endTime":998.02,"body":"actually operate according to"},{"speaker":"Will Owens","startTime":998.02,"endTime":1002.64,"body":"God's principles. And I know for"},{"speaker":"Will Owens","startTime":998.02,"endTime":1002.64,"body":"a fact that if I give up 10%, of"},{"speaker":"Will Owens","startTime":1002.64,"endTime":1006.81,"body":"the 100%, that God gives to me,"},{"speaker":"Will Owens","startTime":1002.64,"endTime":1006.81,"body":"I'm fulfilling the purpose of"},{"speaker":"Will Owens","startTime":1006.81,"endTime":1011.22,"body":"helping somebody else and the"},{"speaker":"Will Owens","startTime":1006.81,"endTime":1011.22,"body":"kingdom. And, you know, I tell"},{"speaker":"Will Owens","startTime":1011.22,"endTime":1015.66,"body":"people this all the time, a king"},{"speaker":"Will Owens","startTime":1011.22,"endTime":1015.66,"body":"of the people and a citizen of"},{"speaker":"Will Owens","startTime":1015.69,"endTime":1019.41,"body":"the citizenship of a kingdom,"},{"speaker":"Will Owens","startTime":1015.69,"endTime":1019.41,"body":"they represent the king, they're"},{"speaker":"Will Owens","startTime":1019.41,"endTime":1023.55,"body":"not allowed to be poor, because"},{"speaker":"Will Owens","startTime":1019.41,"endTime":1023.55,"body":"that represents the Kings bad"},{"speaker":"Will Owens","startTime":1023.55,"endTime":1025.59,"body":"leadership. So therefore, he's"},{"speaker":"Will Owens","startTime":1023.55,"endTime":1025.59,"body":"going to change their"},{"speaker":"Will Owens","startTime":1025.59,"endTime":1029.1,"body":"circumstances in this situation,"},{"speaker":"Will Owens","startTime":1025.59,"endTime":1029.1,"body":"to be better. He has to, it's a"},{"speaker":"Will Owens","startTime":1029.1,"endTime":1032.82,"body":"promise. So, you know, I always"},{"speaker":"Will Owens","startTime":1029.1,"endTime":1032.82,"body":"call out if I'm ever like,"},{"speaker":"Will Owens","startTime":1032.82,"endTime":1037.32,"body":"broke, I'm like, just give it a"},{"speaker":"Will Owens","startTime":1032.82,"endTime":1037.32,"body":"god, I'm broke right now. And I"},{"speaker":"Will Owens","startTime":1037.32,"endTime":1040.05,"body":"will, you know, I need some"},{"speaker":"Will Owens","startTime":1037.32,"endTime":1040.05,"body":"help. And then he'll give me"},{"speaker":"Will Owens","startTime":1040.05,"endTime":1043.95,"body":"some type of revelation to where"},{"speaker":"Will Owens","startTime":1040.05,"endTime":1043.95,"body":"he puts money in my pocket. And"},{"speaker":"Will Owens","startTime":1043.95,"endTime":1047.58,"body":"I make sure I pay my tithes on"},{"speaker":"Will Owens","startTime":1043.95,"endTime":1047.58,"body":"that and give to help out other"},{"speaker":"Will Owens","startTime":1047.58,"endTime":1051.12,"body":"people. Because not only May I"},{"speaker":"Will Owens","startTime":1047.58,"endTime":1051.12,"body":"be, you know, hurting or needing"},{"speaker":"Will Owens","startTime":1051.12,"endTime":1054.57,"body":"some help, but there's other"},{"speaker":"Will Owens","startTime":1051.12,"endTime":1054.57,"body":"people who need help as well."},{"speaker":"Will Owens","startTime":1054.6,"endTime":1057.96,"body":"And who am I to just hoard all"},{"speaker":"Will Owens","startTime":1054.6,"endTime":1057.96,"body":"the money or hoard everything to"},{"speaker":"Will Owens","startTime":1057.96,"endTime":1060.63,"body":"myself when I could be going out"},{"speaker":"Will Owens","startTime":1057.96,"endTime":1060.63,"body":"to help other people?"},{"speaker":"Average Joe Finances","startTime":1060.66,"endTime":1062.97,"body":"Right on,"},{"speaker":"Average Joe Finances","startTime":1060.66,"endTime":1062.97,"body":"Yeah, no, that's perfect, then."},{"speaker":"Average Joe Finances","startTime":1063.24,"endTime":1066.3,"body":"And you want some major points"},{"speaker":"Average Joe Finances","startTime":1063.24,"endTime":1066.3,"body":"with me there, because he gave a"},{"speaker":"Average Joe Finances","startTime":1066.3,"endTime":1070.83,"body":"call back to episode two. So"},{"speaker":"Average Joe Finances","startTime":1066.3,"endTime":1070.83,"body":"now, you're listening to my past"},{"speaker":"Average Joe Finances","startTime":1070.83,"endTime":1074.55,"body":"episodes, and I really"},{"speaker":"Average Joe Finances","startTime":1070.83,"endTime":1074.55,"body":"appreciate that. So yeah, so"},{"speaker":"Average Joe Finances","startTime":1074.55,"endTime":1077.07,"body":"Kingdom Principles, man. So"},{"speaker":"Average Joe Finances","startTime":1074.55,"endTime":1077.07,"body":"that's, that's, that's really"},{"speaker":"Average Joe Finances","startTime":1077.07,"endTime":1079.95,"body":"awesome. Because, you know,"},{"speaker":"Average Joe Finances","startTime":1077.07,"endTime":1079.95,"body":"that's, you know, not only your,"},{"speaker":"Average Joe Finances","startTime":1079.95,"endTime":1083.46,"body":"your personal mindset, but your"},{"speaker":"Average Joe Finances","startTime":1079.95,"endTime":1083.46,"body":"spiritual mindset as well."},{"speaker":"Average Joe Finances","startTime":1083.46,"endTime":1088.14,"body":"Right. So, your, for, you know,"},{"speaker":"Average Joe Finances","startTime":1083.46,"endTime":1088.14,"body":"for our listeners that, you"},{"speaker":"Average Joe Finances","startTime":1088.14,"endTime":1096.48,"body":"know, I know, not everybody is"},{"speaker":"Average Joe Finances","startTime":1088.14,"endTime":1096.48,"body":"religious or spiritual. But part"},{"speaker":"Average Joe Finances","startTime":1096.48,"endTime":1100.59,"body":"of your journey, right? No,"},{"speaker":"Average Joe Finances","startTime":1096.48,"endTime":1100.59,"body":"there's something else, there's"},{"speaker":"Average Joe Finances","startTime":1100.59,"endTime":1103.68,"body":"something more to it. And for"},{"speaker":"Average Joe Finances","startTime":1100.59,"endTime":1103.68,"body":"those of you that aren't"},{"speaker":"Average Joe Finances","startTime":1103.68,"endTime":1106.29,"body":"spiritual, or like I said,"},{"speaker":"Average Joe Finances","startTime":1103.68,"endTime":1106.29,"body":"religious, I mean, it's a"},{"speaker":"Average Joe Finances","startTime":1106.29,"endTime":1108.99,"body":"mindset thing. Yes. But you"},{"speaker":"Average Joe Finances","startTime":1106.29,"endTime":1108.99,"body":"know, you have your"},{"speaker":"Average Joe Finances","startTime":1108.99,"endTime":1112.65,"body":"relationship, you know, with"},{"speaker":"Average Joe Finances","startTime":1108.99,"endTime":1112.65,"body":"God, right. And that's, that's"},{"speaker":"Average Joe Finances","startTime":1112.74,"endTime":1118.29,"body":"what helps push you to this, you"},{"speaker":"Average Joe Finances","startTime":1112.74,"endTime":1118.29,"body":"know, giving back mentality, you"},{"speaker":"Average Joe Finances","startTime":1118.29,"endTime":1122.7,"body":"know, not just as a person."},{"speaker":"Average Joe Finances","startTime":1118.29,"endTime":1122.7,"body":"Right. It's the principle of"},{"speaker":"Average Joe Finances","startTime":1122.7,"endTime":1127.8,"body":"what it is that you're doing."},{"speaker":"Average Joe Finances","startTime":1122.7,"endTime":1127.8,"body":"No, I really like that. So I"},{"speaker":"Average Joe Finances","startTime":1127.8,"endTime":1132.63,"body":"want to, I want to kind of call"},{"speaker":"Average Joe Finances","startTime":1127.8,"endTime":1132.63,"body":"back to what you're doing as as"},{"speaker":"Average Joe Finances","startTime":1132.63,"endTime":1137.31,"body":"a life coach, right. So, so"},{"speaker":"Average Joe Finances","startTime":1132.63,"endTime":1137.31,"body":"well, how long have you been"},{"speaker":"Average Joe Finances","startTime":1137.31,"endTime":1138.03,"body":"doing this?"},{"speaker":"Average Joe Finances","startTime":1138.0,"endTime":1141.42,"body":"Let's take a brief moment to"},{"speaker":"Average Joe Finances","startTime":1138.0,"endTime":1141.42,"body":"hear from our show sponsors."},{"speaker":"Average Joe Finances","startTime":1141.63,"endTime":1145.02,"body":"What's going on average Joes, we"},{"speaker":"Average Joe Finances","startTime":1141.63,"endTime":1145.02,"body":"know that managing one account"},{"speaker":"Average Joe Finances","startTime":1145.02,"endTime":1147.54,"body":"or your entire family's"},{"speaker":"Average Joe Finances","startTime":1145.02,"endTime":1147.54,"body":"portfolio can be stressful and"},{"speaker":"Average Joe Finances","startTime":1147.54,"endTime":1150.6,"body":"time consuming. From building"},{"speaker":"Average Joe Finances","startTime":1147.54,"endTime":1150.6,"body":"and maintaining spreadsheets,"},{"speaker":"Average Joe Finances","startTime":1150.6,"endTime":1153.57,"body":"calculating how many new shares"},{"speaker":"Average Joe Finances","startTime":1150.6,"endTime":1153.57,"body":"and units you need to purchase"},{"speaker":"Average Joe Finances","startTime":1153.57,"endTime":1156.81,"body":"with your contributions, finding"},{"speaker":"Average Joe Finances","startTime":1153.57,"endTime":1156.81,"body":"the time to log into your"},{"speaker":"Average Joe Finances","startTime":1156.81,"endTime":1160.02,"body":"brokerage and make those trades"},{"speaker":"Average Joe Finances","startTime":1156.81,"endTime":1160.02,"body":"and annually rebalancing each"},{"speaker":"Average Joe Finances","startTime":1160.02,"endTime":1163.35,"body":"accounts. Well, my friends over"},{"speaker":"Average Joe Finances","startTime":1160.02,"endTime":1163.35,"body":"at Passiv came up with a tool"},{"speaker":"Average Joe Finances","startTime":1163.35,"endTime":1166.29,"body":"that can help you manage all of"},{"speaker":"Average Joe Finances","startTime":1163.35,"endTime":1166.29,"body":"this in a fraction of time,"},{"speaker":"Average Joe Finances","startTime":1166.53,"endTime":1170.31,"body":"without spreadsheets, and manual"},{"speaker":"Average Joe Finances","startTime":1166.53,"endTime":1170.31,"body":"calculations. Passiv is a"},{"speaker":"Average Joe Finances","startTime":1170.31,"endTime":1173.31,"body":"portfolio management tool that"},{"speaker":"Average Joe Finances","startTime":1170.31,"endTime":1173.31,"body":"makes it easier for DIY"},{"speaker":"Average Joe Finances","startTime":1173.31,"endTime":1177.54,"body":"investors to maintain a balanced"},{"speaker":"Average Joe Finances","startTime":1173.31,"endTime":1177.54,"body":"portfolio and build a passive"},{"speaker":"Average Joe Finances","startTime":1177.54,"endTime":1181.02,"body":"investment strategy at their"},{"speaker":"Average Joe Finances","startTime":1177.54,"endTime":1181.02,"body":"online broker. It eliminates the"},{"speaker":"Average Joe Finances","startTime":1181.02,"endTime":1183.9,"body":"need to use spreadsheets saves"},{"speaker":"Average Joe Finances","startTime":1181.02,"endTime":1183.9,"body":"you from having to log into your"},{"speaker":"Average Joe Finances","startTime":1183.9,"endTime":1186.87,"body":"broker to place trades, and"},{"speaker":"Average Joe Finances","startTime":1183.9,"endTime":1186.87,"body":"helps you stick to your"},{"speaker":"Average Joe Finances","startTime":1186.87,"endTime":1190.47,"body":"portfolio's target allocation."},{"speaker":"Average Joe Finances","startTime":1186.87,"endTime":1190.47,"body":"Elite users can save even more"},{"speaker":"Average Joe Finances","startTime":1190.47,"endTime":1193.41,"body":"time by using the one click"},{"speaker":"Average Joe Finances","startTime":1190.47,"endTime":1193.41,"body":"trades feature and having"},{"speaker":"Average Joe Finances","startTime":1193.41,"endTime":1197.52,"body":"passive execute the required"},{"speaker":"Average Joe Finances","startTime":1193.41,"endTime":1197.52,"body":"trades on your behalf. All of"},{"speaker":"Average Joe Finances","startTime":1197.52,"endTime":1200.64,"body":"this can be done from the"},{"speaker":"Average Joe Finances","startTime":1197.52,"endTime":1200.64,"body":"passive dashboard. For all of"},{"speaker":"Average Joe Finances","startTime":1200.64,"endTime":1203.73,"body":"your accounts, no more logging"},{"speaker":"Average Joe Finances","startTime":1200.64,"endTime":1203.73,"body":"into multiple brokerage"},{"speaker":"Average Joe Finances","startTime":1203.73,"endTime":1207.24,"body":"accounts. Passive is not a robo"},{"speaker":"Average Joe Finances","startTime":1203.73,"endTime":1207.24,"body":"advisor, it won't tell you what"},{"speaker":"Average Joe Finances","startTime":1207.24,"endTime":1210.33,"body":"you should invest in. So you'll"},{"speaker":"Average Joe Finances","startTime":1207.24,"endTime":1210.33,"body":"need to decide that for yourself"},{"speaker":"Average Joe Finances","startTime":1210.36,"endTime":1213.78,"body":"either through self education or"},{"speaker":"Average Joe Finances","startTime":1210.36,"endTime":1213.78,"body":"alongside a financial advisor."},{"speaker":"Average Joe Finances","startTime":1214.08,"endTime":1217.44,"body":"To learn more about passive or"},{"speaker":"Average Joe Finances","startTime":1214.08,"endTime":1217.44,"body":"to sign up, check out our link"},{"speaker":"Average Joe Finances","startTime":1217.44,"endTime":1221.22,"body":"below"},{"speaker":"Average Joe Finances","startTime":1217.44,"endTime":1221.22,"body":"www.averagejoefinances.com/passiv,"},{"speaker":"Average Joe Finances","startTime":1222.81,"endTime":1230.76,"body":"that's P A S S I V, with no E,"},{"speaker":"Average Joe Finances","startTime":1222.81,"endTime":1230.76,"body":"again, P A S S I V, with no E,"},{"speaker":"Average Joe Finances","startTime":1230.94,"endTime":1233.67,"body":"check them out what's going on"},{"speaker":"Average Joe Finances","startTime":1230.94,"endTime":1233.67,"body":"everybody. So today I want to"},{"speaker":"Average Joe Finances","startTime":1233.67,"endTime":1236.52,"body":"talk to you about the podcast"},{"speaker":"Average Joe Finances","startTime":1233.67,"endTime":1236.52,"body":"editing service that we use for"},{"speaker":"Average Joe Finances","startTime":1236.52,"endTime":1241.35,"body":"the Average Joe Finances podcast"},{"speaker":"Average Joe Finances","startTime":1236.52,"endTime":1241.35,"body":"that is editpods.com. And what I"},{"speaker":"Average Joe Finances","startTime":1241.35,"endTime":1244.95,"body":"really like about them is it's a"},{"speaker":"Average Joe Finances","startTime":1241.35,"endTime":1244.95,"body":"subscription based service. So"},{"speaker":"Average Joe Finances","startTime":1244.95,"endTime":1249.18,"body":"the prices are fantastic. And"},{"speaker":"Average Joe Finances","startTime":1244.95,"endTime":1249.18,"body":"not only do they do the podcast"},{"speaker":"Average Joe Finances","startTime":1249.18,"endTime":1252.66,"body":"episodes for us, but they also"},{"speaker":"Average Joe Finances","startTime":1249.18,"endTime":1252.66,"body":"make us videos, audiograms"},{"speaker":"Average Joe Finances","startTime":1252.69,"endTime":1255.66,"body":"social media caption videos,"},{"speaker":"Average Joe Finances","startTime":1252.69,"endTime":1255.66,"body":"they do our show notes,"},{"speaker":"Average Joe Finances","startTime":1255.69,"endTime":1259.86,"body":"thumbnails, it's just fantastic"},{"speaker":"Average Joe Finances","startTime":1255.69,"endTime":1259.86,"body":"products, go check them out at"},{"speaker":"Average Joe Finances","startTime":1259.92,"endTime":1265.62,"body":"editpods.com let's get back to"},{"speaker":"Average Joe Finances","startTime":1259.92,"endTime":1265.62,"body":"today's episode. You're"},{"speaker":"Average Joe Finances","startTime":1265.62,"endTime":1269.64,"body":"listening to the Average Joe"},{"speaker":"Average Joe Finances","startTime":1265.62,"endTime":1269.64,"body":"Finances podcast, whether it's"},{"speaker":"Average Joe Finances","startTime":1269.64,"endTime":1273.78,"body":"single or multifamily real"},{"speaker":"Average Joe Finances","startTime":1269.64,"endTime":1273.78,"body":"estate, the stock market or side"},{"speaker":"Average Joe Finances","startTime":1273.78,"endTime":1278.1,"body":"hustles we discuss it all strap"},{"speaker":"Average Joe Finances","startTime":1273.78,"endTime":1278.1,"body":"in and enjoy the ride."},{"speaker":"Will Owens","startTime":1279.47,"endTime":1284.09,"body":"So I actually"},{"speaker":"Will Owens","startTime":1279.47,"endTime":1284.09,"body":"started 2016, um, you know, when"},{"speaker":"Will Owens","startTime":1284.09,"endTime":1287.63,"body":"my mother was going through the"},{"speaker":"Will Owens","startTime":1284.09,"endTime":1287.63,"body":"cancer, got the diagnosis that"},{"speaker":"Will Owens","startTime":1287.63,"endTime":1292.22,"body":"she was going to die in nine"},{"speaker":"Will Owens","startTime":1287.63,"endTime":1292.22,"body":"months, I'm like, I really dived"},{"speaker":"Will Owens","startTime":1292.22,"endTime":1297.23,"body":"into actually learning,"},{"speaker":"Will Owens","startTime":1292.22,"endTime":1297.23,"body":"learning, and learning and"},{"speaker":"Will Owens","startTime":1297.23,"endTime":1299.63,"body":"learning because I had to take"},{"speaker":"Will Owens","startTime":1297.23,"endTime":1299.63,"body":"my mind off of the situation."},{"speaker":"Will Owens","startTime":1299.63,"endTime":1304.1,"body":"And, you know, my mom, she, you"},{"speaker":"Will Owens","startTime":1299.63,"endTime":1304.1,"body":"know, I tell you, like the mind"},{"speaker":"Will Owens","startTime":1304.1,"endTime":1309.35,"body":"creates was such a god given"},{"speaker":"Will Owens","startTime":1304.1,"endTime":1309.35,"body":"name for my business and purpose"},{"speaker":"Will Owens","startTime":1309.35,"endTime":1314.57,"body":"and mission and everything. Um,"},{"speaker":"Will Owens","startTime":1309.35,"endTime":1314.57,"body":"due to the fact that here I was,"},{"speaker":"Will Owens","startTime":1314.6,"endTime":1318.59,"body":"you know, focusing on positivity"},{"speaker":"Will Owens","startTime":1314.6,"endTime":1318.59,"body":"and law of attraction and"},{"speaker":"Will Owens","startTime":1318.65,"endTime":1322.43,"body":"abundance, and my mom was"},{"speaker":"Will Owens","startTime":1318.65,"endTime":1322.43,"body":"focusing on, you know, death and"},{"speaker":"Will Owens","startTime":1322.43,"endTime":1327.08,"body":"cancer and, you know, I watched"},{"speaker":"Will Owens","startTime":1322.43,"endTime":1327.08,"body":"her deteriorate and nine months"},{"speaker":"Will Owens","startTime":1327.11,"endTime":1330.44,"body":"so fast, like, she went from"},{"speaker":"Will Owens","startTime":1327.11,"endTime":1330.44,"body":"looking healthy, beautiful, you"},{"speaker":"Will Owens","startTime":1330.44,"endTime":1334.31,"body":"know, young, she was 44 years"},{"speaker":"Will Owens","startTime":1330.44,"endTime":1334.31,"body":"old. And then, you know, as she"},{"speaker":"Will Owens","startTime":1334.31,"endTime":1337.25,"body":"moves on, I'm just watching him"},{"speaker":"Will Owens","startTime":1334.31,"endTime":1337.25,"body":"deteriorate hair fall out and"},{"speaker":"Will Owens","startTime":1337.25,"endTime":1340.79,"body":"things like that. But it was"},{"speaker":"Will Owens","startTime":1337.25,"endTime":1340.79,"body":"because she was focusing on, you"},{"speaker":"Will Owens","startTime":1340.79,"endTime":1345.14,"body":"know, illness, focusing on death"},{"speaker":"Will Owens","startTime":1340.79,"endTime":1345.14,"body":"and sickness. And I'm like, wow,"},{"speaker":"Will Owens","startTime":1345.14,"endTime":1349.4,"body":"like, you know, the mind really"},{"speaker":"Will Owens","startTime":1345.14,"endTime":1349.4,"body":"creates your issues and things"},{"speaker":"Will Owens","startTime":1349.4,"endTime":1354.14,"body":"like that. So, you know, I tell"},{"speaker":"Will Owens","startTime":1349.4,"endTime":1354.14,"body":"people all the time, what you"},{"speaker":"Will Owens","startTime":1354.17,"endTime":1357.5,"body":"you know, what, you know, I get,"},{"speaker":"Will Owens","startTime":1354.17,"endTime":1357.5,"body":"I gotta say it, right? How you"},{"speaker":"Will Owens","startTime":1357.5,"endTime":1360.71,"body":"do anything, is how you do"},{"speaker":"Will Owens","startTime":1357.5,"endTime":1360.71,"body":"everything. And if you're"},{"speaker":"Will Owens","startTime":1360.71,"endTime":1364.64,"body":"focusing on your abundance, and"},{"speaker":"Will Owens","startTime":1360.71,"endTime":1364.64,"body":"there's gonna be more"},{"speaker":"Will Owens","startTime":1364.64,"endTime":1368.18,"body":"opportunities coming your way."},{"speaker":"Will Owens","startTime":1364.64,"endTime":1368.18,"body":"And I try to get anybody that I"},{"speaker":"Will Owens","startTime":1368.18,"endTime":1372.2,"body":"coach to see the opportunities"},{"speaker":"Will Owens","startTime":1368.18,"endTime":1372.2,"body":"rather than the negativities."},{"speaker":"Will Owens","startTime":1372.35,"endTime":1375.35,"body":"And that's really, really"},{"speaker":"Will Owens","startTime":1372.35,"endTime":1375.35,"body":"important for me to do."},{"speaker":"Average Joe Finances","startTime":1375.36,"endTime":1377.22,"body":"Yeah, no,"},{"speaker":"Average Joe Finances","startTime":1375.36,"endTime":1377.22,"body":"I love it. I love it. And that"},{"speaker":"Average Joe Finances","startTime":1377.25,"endTime":1379.65,"body":"and that saying, I had to write"},{"speaker":"Average Joe Finances","startTime":1377.25,"endTime":1379.65,"body":"this down too, since you said it"},{"speaker":"Average Joe Finances","startTime":1379.65,"endTime":1383.82,"body":"a second time. For super"},{"speaker":"Average Joe Finances","startTime":1379.65,"endTime":1383.82,"body":"important. How you do anything"},{"speaker":"Average Joe Finances","startTime":1383.82,"endTime":1387.87,"body":"is how you do everything. I"},{"speaker":"Average Joe Finances","startTime":1383.82,"endTime":1387.87,"body":"mean, that is that there's no"},{"speaker":"Average Joe Finances","startTime":1387.96,"endTime":1390.6,"body":"like truer words. Really, I"},{"speaker":"Average Joe Finances","startTime":1387.96,"endTime":1390.6,"body":"mean, because"},{"speaker":"Will Owens","startTime":1391.2,"endTime":1393.87,"body":"you got to that"},{"speaker":"Will Owens","startTime":1391.2,"endTime":1393.87,"body":"outside background like, yeah,"},{"speaker":"Will Owens","startTime":1393.9,"endTime":1397.86,"body":"think about like discipline,"},{"speaker":"Will Owens","startTime":1393.9,"endTime":1397.86,"body":"right? So many people are not"},{"speaker":"Will Owens","startTime":1397.92,"endTime":1401.49,"body":"disciplined. And it's like, if"},{"speaker":"Will Owens","startTime":1397.92,"endTime":1401.49,"body":"you eat if you overeat with"},{"speaker":"Will Owens","startTime":1401.49,"endTime":1405.84,"body":"food, right? Once you overspend"},{"speaker":"Will Owens","startTime":1401.49,"endTime":1405.84,"body":"with your money, like those"},{"speaker":"Will Owens","startTime":1405.84,"endTime":1410.43,"body":"things translate to each other."},{"speaker":"Will Owens","startTime":1405.84,"endTime":1410.43,"body":"Like, it truly is a mindset you"},{"speaker":"Will Owens","startTime":1410.43,"endTime":1415.47,"body":"get to create whatever life you"},{"speaker":"Will Owens","startTime":1410.43,"endTime":1415.47,"body":"want, on how you think, whether"},{"speaker":"Will Owens","startTime":1415.47,"endTime":1418.02,"body":"you say that, no, you read this"},{"speaker":"Will Owens","startTime":1415.47,"endTime":1418.02,"body":"book thinking Grow Rich by"},{"speaker":"Will Owens","startTime":1418.02,"endTime":1421.83,"body":"Napoleon Hill. And they say most"},{"speaker":"Will Owens","startTime":1418.02,"endTime":1421.83,"body":"people miss the message that was"},{"speaker":"Will Owens","startTime":1421.83,"endTime":1424.71,"body":"in the book, what's the first"},{"speaker":"Will Owens","startTime":1421.83,"endTime":1424.71,"body":"word and listen to it? The"},{"speaker":"Will Owens","startTime":1424.71,"endTime":1428.19,"body":"audio, okay, okay. I'm an audio"},{"speaker":"Will Owens","startTime":1424.71,"endTime":1428.19,"body":"book and ebook reader. I love"},{"speaker":"Will Owens","startTime":1428.19,"endTime":1433.14,"body":"it. So, you know, the first word"},{"speaker":"Will Owens","startTime":1428.19,"endTime":1433.14,"body":"is the most powerful word in the"},{"speaker":"Will Owens","startTime":1433.14,"endTime":1437.1,"body":"book, it's Think, think that"},{"speaker":"Will Owens","startTime":1433.14,"endTime":1437.1,"body":"means you have to use your mind."},{"speaker":"Will Owens","startTime":1437.31,"endTime":1440.67,"body":"And you know, the mind is not"},{"speaker":"Will Owens","startTime":1437.31,"endTime":1440.67,"body":"just your brain, it is your"},{"speaker":"Will Owens","startTime":1440.67,"endTime":1444.51,"body":"feelings, right? Touch senses,"},{"speaker":"Will Owens","startTime":1440.67,"endTime":1444.51,"body":"taste, all of that. All of"},{"speaker":"Will Owens","startTime":1444.51,"endTime":1447.84,"body":"these, you know, intangibles,"},{"speaker":"Will Owens","startTime":1444.51,"endTime":1447.84,"body":"coming together, the senses, all"},{"speaker":"Will Owens","startTime":1447.84,"endTime":1451.17,"body":"of those senses in the spirit"},{"speaker":"Will Owens","startTime":1447.84,"endTime":1451.17,"body":"coming together to help you"},{"speaker":"Will Owens","startTime":1451.2,"endTime":1455.25,"body":"figure things out and create,"},{"speaker":"Will Owens","startTime":1451.2,"endTime":1455.25,"body":"you know, and you know, I, I"},{"speaker":"Will Owens","startTime":1455.25,"endTime":1457.5,"body":"even wrote a book, right? It"},{"speaker":"Will Owens","startTime":1455.25,"endTime":1457.5,"body":"could happen to you and people"},{"speaker":"Will Owens","startTime":1457.5,"endTime":1461.19,"body":"like, oh, like, I in the book, I"},{"speaker":"Will Owens","startTime":1457.5,"endTime":1461.19,"body":"called out the pandemic"},{"speaker":"Will Owens","startTime":1461.19,"endTime":1464.4,"body":"happening, right? I told people"},{"speaker":"Will Owens","startTime":1461.19,"endTime":1464.4,"body":"I said, you will lose your job,"},{"speaker":"Will Owens","startTime":1464.49,"endTime":1468.63,"body":"right? You will, you know, lose"},{"speaker":"Will Owens","startTime":1464.49,"endTime":1468.63,"body":"your house, you will lose, you"},{"speaker":"Will Owens","startTime":1468.63,"endTime":1471.99,"body":"know, a family members, right?"},{"speaker":"Will Owens","startTime":1468.63,"endTime":1471.99,"body":"These issues will happen. And I"},{"speaker":"Will Owens","startTime":1471.99,"endTime":1475.53,"body":"taught people how to build out"},{"speaker":"Will Owens","startTime":1471.99,"endTime":1475.53,"body":"their financial portfolio. And"},{"speaker":"Will Owens","startTime":1475.56,"endTime":1479.1,"body":"I'll give whoever I don't care"},{"speaker":"Will Owens","startTime":1475.56,"endTime":1479.1,"body":"who it is, I want people to have"},{"speaker":"Will Owens","startTime":1479.1,"endTime":1482.64,"body":"the book. God gave me the book"},{"speaker":"Will Owens","startTime":1479.1,"endTime":1482.64,"body":"in 2016. So right, I wrote it."},{"speaker":"Will Owens","startTime":1482.94,"endTime":1486.57,"body":"And I'm telling you, the people"},{"speaker":"Will Owens","startTime":1482.94,"endTime":1486.57,"body":"who read or listen to the book,"},{"speaker":"Will Owens","startTime":1486.66,"endTime":1491.34,"body":"were able to outlast the"},{"speaker":"Will Owens","startTime":1486.66,"endTime":1491.34,"body":"pandemic in Excel and the"},{"speaker":"Will Owens","startTime":1491.34,"endTime":1494.16,"body":"pandemic. Well, you know, you"},{"speaker":"Will Owens","startTime":1491.34,"endTime":1494.16,"body":"will see people losing their"},{"speaker":"Will Owens","startTime":1494.16,"endTime":1497.85,"body":"jobs who were focused on"},{"speaker":"Will Owens","startTime":1494.16,"endTime":1497.85,"body":"security, right is security,"},{"speaker":"Will Owens","startTime":1497.85,"endTime":1501.72,"body":"really security when you have a"},{"speaker":"Will Owens","startTime":1497.85,"endTime":1501.72,"body":"job, you No, you know, anything"},{"speaker":"Will Owens","startTime":1501.72,"endTime":1506.19,"body":"can happen. We just saw that in"},{"speaker":"Will Owens","startTime":1501.72,"endTime":1506.19,"body":"2020. And, you know, I'm like,"},{"speaker":"Will Owens","startTime":1506.28,"endTime":1510.12,"body":"wow, like I had while mentoring"},{"speaker":"Will Owens","startTime":1506.28,"endTime":1510.12,"body":"was stood for we only when"},{"speaker":"Will Owens","startTime":1510.12,"endTime":1514.02,"body":"mentoring it transformed into"},{"speaker":"Will Owens","startTime":1510.12,"endTime":1514.02,"body":"the mind creates, I started a"},{"speaker":"Will Owens","startTime":1514.02,"endTime":1516.75,"body":"business in a pandemic, while"},{"speaker":"Will Owens","startTime":1514.02,"endTime":1516.75,"body":"other people were losing"},{"speaker":"Will Owens","startTime":1516.75,"endTime":1520.05,"body":"businesses and losing jobs."},{"speaker":"Will Owens","startTime":1516.75,"endTime":1520.05,"body":"Where does that happen? Right,"},{"speaker":"Will Owens","startTime":1520.05,"endTime":1523.44,"body":"but I was prepared. Uh, here you"},{"speaker":"Will Owens","startTime":1520.05,"endTime":1523.44,"body":"go, here's another one, like,"},{"speaker":"Will Owens","startTime":1523.44,"endTime":1528.09,"body":"you're gonna want to write this"},{"speaker":"Will Owens","startTime":1523.44,"endTime":1528.09,"body":"down, right? You can only be"},{"speaker":"Will Owens","startTime":1528.12,"endTime":1532.8,"body":"what you prepare to be, you"},{"speaker":"Will Owens","startTime":1528.12,"endTime":1532.8,"body":"can't be anything you want to"},{"speaker":"Will Owens","startTime":1532.8,"endTime":1538.29,"body":"be, you can only be what you"},{"speaker":"Will Owens","startTime":1532.8,"endTime":1538.29,"body":"prepare to be. So if you're"},{"speaker":"Will Owens","startTime":1538.29,"endTime":1540.96,"body":"preparing to, you know, kill the"},{"speaker":"Will Owens","startTime":1538.29,"endTime":1540.96,"body":"game of real estate as an"},{"speaker":"Will Owens","startTime":1540.96,"endTime":1544.56,"body":"investor, right, you prepare for"},{"speaker":"Will Owens","startTime":1540.96,"endTime":1544.56,"body":"retirement, then Mike, what's"},{"speaker":"Will Owens","startTime":1544.56,"endTime":1546.69,"body":"stopping you from getting in"},{"speaker":"Will Owens","startTime":1544.56,"endTime":1546.69,"body":"only then stopping you is you"},{"speaker":"Will Owens","startTime":1546.69,"endTime":1549.27,"body":"you have the plan, you're acting"},{"speaker":"Will Owens","startTime":1546.69,"endTime":1549.27,"body":"out the plan. But if you're not"},{"speaker":"Will Owens","startTime":1549.27,"endTime":1551.4,"body":"preparing to do that, and you're"},{"speaker":"Will Owens","startTime":1549.27,"endTime":1551.4,"body":"just talking it out, it's just"},{"speaker":"Will Owens","startTime":1551.4,"endTime":1554.01,"body":"saying I'm gonna do it. You"},{"speaker":"Will Owens","startTime":1551.4,"endTime":1554.01,"body":"know, you're not thinking plans"},{"speaker":"Will Owens","startTime":1554.01,"endTime":1556.35,"body":"are don't come on now. You're"},{"speaker":"Will Owens","startTime":1554.01,"endTime":1556.35,"body":"not really going to get there."},{"speaker":"Average Joe Finances","startTime":1556.47,"endTime":1558.36,"body":"Yeah,"},{"speaker":"Average Joe Finances","startTime":1556.47,"endTime":1558.36,"body":"that's, that's factual right"},{"speaker":"Average Joe Finances","startTime":1558.36,"endTime":1561.33,"body":"there. I mean, it, you know, and"},{"speaker":"Average Joe Finances","startTime":1558.36,"endTime":1561.33,"body":"how do you get there? Right?"},{"speaker":"Average Joe Finances","startTime":1561.33,"endTime":1564.15,"body":"It's, it's you, you prepare"},{"speaker":"Average Joe Finances","startTime":1561.33,"endTime":1564.15,"body":"yourself? And how do you prepare"},{"speaker":"Average Joe Finances","startTime":1564.15,"endTime":1567.3,"body":"yourself, you educate yourself,"},{"speaker":"Average Joe Finances","startTime":1564.15,"endTime":1567.3,"body":"you do the research, you know,"},{"speaker":"Average Joe Finances","startTime":1567.3,"endTime":1569.37,"body":"especially like in real estate,"},{"speaker":"Average Joe Finances","startTime":1567.3,"endTime":1569.37,"body":"right, you start looking at the"},{"speaker":"Average Joe Finances","startTime":1569.37,"endTime":1572.52,"body":"markets you want to focus on and"},{"speaker":"Average Joe Finances","startTime":1569.37,"endTime":1572.52,"body":"things like that. So, yeah,"},{"speaker":"Average Joe Finances","startTime":1572.88,"endTime":1577.5,"body":"that's Yeah, I love that quote,"},{"speaker":"Average Joe Finances","startTime":1572.88,"endTime":1577.5,"body":"too, man. That's, that's, that's"},{"speaker":"Average Joe Finances","startTime":1577.5,"endTime":1581.01,"body":"good stuff. So you've been"},{"speaker":"Average Joe Finances","startTime":1577.5,"endTime":1581.01,"body":"you've been doing this, you"},{"speaker":"Average Joe Finances","startTime":1581.01,"endTime":1584.76,"body":"know, obviously, you know, you"},{"speaker":"Average Joe Finances","startTime":1581.01,"endTime":1584.76,"body":"said since 2016, since since"},{"speaker":"Average Joe Finances","startTime":1584.76,"endTime":1589.32,"body":"everything that happened with"},{"speaker":"Average Joe Finances","startTime":1584.76,"endTime":1589.32,"body":"your mother, and, you know, will"},{"speaker":"Average Joe Finances","startTime":1589.32,"endTime":1592.77,"body":"I want to know, like, what, what"},{"speaker":"Average Joe Finances","startTime":1589.32,"endTime":1592.77,"body":"drives you as a coach? Like,"},{"speaker":"Average Joe Finances","startTime":1592.77,"endTime":1596.64,"body":"what, what, what is it that you"},{"speaker":"Average Joe Finances","startTime":1592.77,"endTime":1596.64,"body":"enjoy about what you do as a"},{"speaker":"Average Joe Finances","startTime":1596.64,"endTime":1597.48,"body":"coach right now,"},{"speaker":"Will Owens","startTime":1597.54,"endTime":1600.87,"body":"man, I don't want to"},{"speaker":"Will Owens","startTime":1597.54,"endTime":1600.87,"body":"die. You know, say my mom died"},{"speaker":"Will Owens","startTime":1600.87,"endTime":1605.97,"body":"at the age of 44. hour 45. You"},{"speaker":"Will Owens","startTime":1600.87,"endTime":1605.97,"body":"know, she had just turned 45."},{"speaker":"Will Owens","startTime":1606.45,"endTime":1609.63,"body":"And, you know, I had asked her,"},{"speaker":"Will Owens","startTime":1606.45,"endTime":1609.63,"body":"I said, you know, Mom, what else"},{"speaker":"Will Owens","startTime":1609.63,"endTime":1611.49,"body":"do you want to do like to try"},{"speaker":"Will Owens","startTime":1609.63,"endTime":1611.49,"body":"and take her mind off the"},{"speaker":"Will Owens","startTime":1611.49,"endTime":1614.4,"body":"cancer? And she was like, well,"},{"speaker":"Will Owens","startTime":1611.49,"endTime":1614.4,"body":"I did everything I wanted to do."},{"speaker":"Will Owens","startTime":1614.52,"endTime":1617.37,"body":"Alright, like, only other thing"},{"speaker":"Will Owens","startTime":1614.52,"endTime":1617.37,"body":"I wanted to do was see my kids"},{"speaker":"Will Owens","startTime":1617.37,"endTime":1619.83,"body":"have, you know, kids, and, you"},{"speaker":"Will Owens","startTime":1617.37,"endTime":1619.83,"body":"know, probably my great case."},{"speaker":"Will Owens","startTime":1619.83,"endTime":1623.19,"body":"But other than that, she said, I"},{"speaker":"Will Owens","startTime":1619.83,"endTime":1623.19,"body":"lived out the life that I wanted"},{"speaker":"Will Owens","startTime":1623.19,"endTime":1626.46,"body":"to live. And I was like, what,"},{"speaker":"Will Owens","startTime":1623.19,"endTime":1626.46,"body":"at the age of 44. Like, there's"},{"speaker":"Will Owens","startTime":1626.46,"endTime":1628.41,"body":"nothing else you want. It's just"},{"speaker":"Will Owens","startTime":1626.46,"endTime":1628.41,"body":"like, I did everything I wanted"},{"speaker":"Will Owens","startTime":1628.41,"endTime":1631.47,"body":"to do. And that was so powerful"},{"speaker":"Will Owens","startTime":1628.41,"endTime":1631.47,"body":"to me, because that means she"},{"speaker":"Will Owens","startTime":1631.47,"endTime":1635.49,"body":"died empty, you know, and I want"},{"speaker":"Will Owens","startTime":1631.47,"endTime":1635.49,"body":"to die empty, I want to know"},{"speaker":"Will Owens","startTime":1635.49,"endTime":1639.87,"body":"that, like, I reached my 250,000"},{"speaker":"Will Owens","startTime":1635.49,"endTime":1639.87,"body":"person goal by the end of this"},{"speaker":"Will Owens","startTime":1639.87,"endTime":1645.15,"body":"year, right? So if I died, and"},{"speaker":"Will Owens","startTime":1639.87,"endTime":1645.15,"body":"you know, 22, and not speaking"},{"speaker":"Will Owens","startTime":1645.15,"endTime":1648.99,"body":"that on myself, but you know, I"},{"speaker":"Will Owens","startTime":1645.15,"endTime":1648.99,"body":"realized, Hey, I left an impact."},{"speaker":"Will Owens","startTime":1648.99,"endTime":1653.67,"body":"And I touched 250,000 people,"},{"speaker":"Will Owens","startTime":1648.99,"endTime":1653.67,"body":"they knew I existed, they know,"},{"speaker":"Will Owens","startTime":1653.85,"endTime":1656.7,"body":"they could take the information"},{"speaker":"Will Owens","startTime":1653.85,"endTime":1656.7,"body":"that I had, or you know, was"},{"speaker":"Will Owens","startTime":1656.7,"endTime":1660.6,"body":"able to obtain, and it went out"},{"speaker":"Will Owens","startTime":1656.7,"endTime":1660.6,"body":"to not only change those people"},{"speaker":"Will Owens","startTime":1660.6,"endTime":1665.13,"body":"directly, but it changed even"},{"speaker":"Will Owens","startTime":1660.6,"endTime":1665.13,"body":"more people and directly, right,"},{"speaker":"Will Owens","startTime":1665.16,"endTime":1666.93,"body":"they might pass along that"},{"speaker":"Will Owens","startTime":1665.16,"endTime":1666.93,"body":"information to somebody else."},{"speaker":"Will Owens","startTime":1667.05,"endTime":1670.02,"body":"Right now you and I are talking,"},{"speaker":"Will Owens","startTime":1667.05,"endTime":1670.02,"body":"right? I'm speaking this into"},{"speaker":"Will Owens","startTime":1670.02,"endTime":1672.45,"body":"existence, that we're talking to"},{"speaker":"Will Owens","startTime":1670.02,"endTime":1672.45,"body":"millions and millions of"},{"speaker":"Will Owens","startTime":1672.45,"endTime":1674.58,"body":"listeners, and they're taking"},{"speaker":"Will Owens","startTime":1672.45,"endTime":1674.58,"body":"this information, they're"},{"speaker":"Will Owens","startTime":1674.58,"endTime":1678.3,"body":"feeling inspired by it. And then"},{"speaker":"Will Owens","startTime":1674.58,"endTime":1678.3,"body":"they're taking action right in"},{"speaker":"Will Owens","startTime":1678.3,"endTime":1681.78,"body":"the mind to create the scenarios"},{"speaker":"Will Owens","startTime":1678.3,"endTime":1681.78,"body":"that they want for them live"},{"speaker":"Will Owens","startTime":1681.81,"endTime":1685.08,"body":"their their lives. And they're"},{"speaker":"Will Owens","startTime":1681.81,"endTime":1685.08,"body":"like, Hey, I will listen to more"},{"speaker":"Will Owens","startTime":1685.11,"endTime":1689.58,"body":"of Average Joe Finances podcast"},{"speaker":"Will Owens","startTime":1685.11,"endTime":1689.58,"body":"so that way, I can, you know,"},{"speaker":"Will Owens","startTime":1689.61,"endTime":1693.24,"body":"connect with all these advisors"},{"speaker":"Will Owens","startTime":1689.61,"endTime":1693.24,"body":"and all these great people, and"},{"speaker":"Will Owens","startTime":1693.24,"endTime":1696.03,"body":"you know, reach out to the"},{"speaker":"Will Owens","startTime":1693.24,"endTime":1696.03,"body":"resources that want to help me"},{"speaker":"Will Owens","startTime":1696.03,"endTime":1700.02,"body":"succeed. You want to see people"},{"speaker":"Will Owens","startTime":1696.03,"endTime":1700.02,"body":"do better. It just feels good."},{"speaker":"Will Owens","startTime":1700.11,"endTime":1702.99,"body":"That's love, right? When we"},{"speaker":"Will Owens","startTime":1700.11,"endTime":1702.99,"body":"spread more love in the world,"},{"speaker":"Will Owens","startTime":1703.05,"endTime":1706.2,"body":"come on, man. We don't have"},{"speaker":"Will Owens","startTime":1703.05,"endTime":1706.2,"body":"oars. You know, we don't have"},{"speaker":"Will Owens","startTime":1706.2,"endTime":1709.11,"body":"hate crimes or anything like"},{"speaker":"Will Owens","startTime":1706.2,"endTime":1709.11,"body":"that. When people are working"},{"speaker":"Will Owens","startTime":1709.11,"endTime":1712.44,"body":"together, you can achieve"},{"speaker":"Will Owens","startTime":1709.11,"endTime":1712.44,"body":"magnificent things."},{"speaker":"Average Joe Finances","startTime":1712.47,"endTime":1714.12,"body":"Yeah, key"},{"speaker":"Average Joe Finances","startTime":1712.47,"endTime":1714.12,"body":"thing that you said there"},{"speaker":"Average Joe Finances","startTime":1714.12,"endTime":1716.94,"body":"though, you know, when people"},{"speaker":"Average Joe Finances","startTime":1714.12,"endTime":1716.94,"body":"are working together and that's,"},{"speaker":"Average Joe Finances","startTime":1716.94,"endTime":1719.94,"body":"that's part of that's part of,"},{"speaker":"Average Joe Finances","startTime":1716.94,"endTime":1719.94,"body":"you know, this whole mission too"},{"speaker":"Average Joe Finances","startTime":1719.94,"endTime":1723.81,"body":"is you know, you don't have to"},{"speaker":"Average Joe Finances","startTime":1719.94,"endTime":1723.81,"body":"go it alone. Right? You know,"},{"speaker":"Average Joe Finances","startTime":1723.81,"endTime":1726.72,"body":"build a team of trusted people"},{"speaker":"Average Joe Finances","startTime":1723.81,"endTime":1726.72,"body":"that you can you can get with"},{"speaker":"Average Joe Finances","startTime":1726.72,"endTime":1730.14,"body":"surround yourself with people"},{"speaker":"Average Joe Finances","startTime":1726.72,"endTime":1730.14,"body":"that will lift you up that have"},{"speaker":"Average Joe Finances","startTime":1730.14,"endTime":1733.95,"body":"that same mindset. I tend to"},{"speaker":"Average Joe Finances","startTime":1730.14,"endTime":1733.95,"body":"surround myself with people that"},{"speaker":"Average Joe Finances","startTime":1733.95,"endTime":1738.06,"body":"I feel like are leaps and bounds"},{"speaker":"Average Joe Finances","startTime":1733.95,"endTime":1738.06,"body":"above what I'm doing just to"},{"speaker":"Average Joe Finances","startTime":1738.06,"endTime":1742.35,"body":"help push me harder and push me"},{"speaker":"Average Joe Finances","startTime":1738.06,"endTime":1742.35,"body":"further. You know, and Henry"},{"speaker":"Average Joe Finances","startTime":1742.35,"endTime":1747.09,"body":"Ford. Henry. Yeah, yeah. And I"},{"speaker":"Average Joe Finances","startTime":1742.35,"endTime":1747.09,"body":"don't I don't look at myself as"},{"speaker":"Average Joe Finances","startTime":1747.12,"endTime":1749.55,"body":"like, you know, when I compare"},{"speaker":"Average Joe Finances","startTime":1747.12,"endTime":1749.55,"body":"myself to these guys, I'm like,"},{"speaker":"Average Joe Finances","startTime":1749.82,"endTime":1753.84,"body":"man, I ain't doing nothing. I'm"},{"speaker":"Average Joe Finances","startTime":1749.82,"endTime":1753.84,"body":"like, I don't look at myself"},{"speaker":"Average Joe Finances","startTime":1753.84,"endTime":1756.78,"body":"like that. I'm like, Hey, you"},{"speaker":"Average Joe Finances","startTime":1753.84,"endTime":1756.78,"body":"know, this, this is this is who"},{"speaker":"Average Joe Finances","startTime":1756.78,"endTime":1761.4,"body":"I roll with. And this is how we"},{"speaker":"Average Joe Finances","startTime":1756.78,"endTime":1761.4,"body":"do things. Right? Yeah, you"},{"speaker":"Average Joe Finances","startTime":1761.4,"endTime":1765.24,"body":"gotta surround yourself with"},{"speaker":"Average Joe Finances","startTime":1761.4,"endTime":1765.24,"body":"with like minded people, and not"},{"speaker":"Average Joe Finances","startTime":1765.24,"endTime":1768.96,"body":"people that are gonna hold you"},{"speaker":"Average Joe Finances","startTime":1765.24,"endTime":1768.96,"body":"down. And a lot of times, you"},{"speaker":"Average Joe Finances","startTime":1768.96,"endTime":1771.45,"body":"know, dealing with stuff like"},{"speaker":"Average Joe Finances","startTime":1768.96,"endTime":1771.45,"body":"this can be very difficult"},{"speaker":"Average Joe Finances","startTime":1771.75,"endTime":1775.23,"body":"because it means you have to cut"},{"speaker":"Average Joe Finances","startTime":1771.75,"endTime":1775.23,"body":"ties with with some people."},{"speaker":"Will Owens","startTime":1775.5,"endTime":1778.8,"body":"Oh, man, I want to"},{"speaker":"Will Owens","startTime":1775.5,"endTime":1778.8,"body":"speak on him when your dad Yeah,"},{"speaker":"Will Owens","startTime":1778.8,"endTime":1779.43,"body":"yeah, sure."},{"speaker":"Average Joe Finances","startTime":1780.86,"endTime":1782.33,"body":"stuff."},{"speaker":"Average Joe Finances","startTime":1780.86,"endTime":1782.33,"body":"I've definitely experienced"},{"speaker":"Average Joe Finances","startTime":1782.33,"endTime":1787.34,"body":"myself, you know, just folks who"},{"speaker":"Average Joe Finances","startTime":1782.33,"endTime":1787.34,"body":"I thought were close to me and"},{"speaker":"Average Joe Finances","startTime":1787.46,"endTime":1790.4,"body":"you taste a little bit of"},{"speaker":"Average Joe Finances","startTime":1787.46,"endTime":1790.4,"body":"success and you start doing some"},{"speaker":"Average Joe Finances","startTime":1790.4,"endTime":1794.48,"body":"things and next thing you know,"},{"speaker":"Average Joe Finances","startTime":1790.4,"endTime":1794.48,"body":"they're not talking to you much"},{"speaker":"Average Joe Finances","startTime":1794.48,"endTime":1797.33,"body":"anymore. And it's like speaking"},{"speaker":"Average Joe Finances","startTime":1794.48,"endTime":1797.33,"body":"on a person. You know,"},{"speaker":"Will Owens","startTime":1797.33,"endTime":1801.08,"body":"you're speaking on"},{"speaker":"Will Owens","startTime":1797.33,"endTime":1801.08,"body":"it. Yeah. Oh man. So What I what"},{"speaker":"Will Owens","startTime":1801.08,"endTime":1805.52,"body":"I saw was on Instagram, oh, man,"},{"speaker":"Will Owens","startTime":1801.08,"endTime":1805.52,"body":"you you hit it on the head, I"},{"speaker":"Will Owens","startTime":1805.52,"endTime":1808.37,"body":"was on Instagram, I saw this"},{"speaker":"Will Owens","startTime":1805.52,"endTime":1808.37,"body":"post and I said you need to go"},{"speaker":"Will Owens","startTime":1808.37,"endTime":1812.3,"body":"into a room where you know,"},{"speaker":"Will Owens","startTime":1808.37,"endTime":1812.3,"body":"there's other winners, you need"},{"speaker":"Will Owens","startTime":1812.3,"endTime":1815.09,"body":"to go into a room with his other"},{"speaker":"Will Owens","startTime":1812.3,"endTime":1815.09,"body":"winners. So that way when you're"},{"speaker":"Will Owens","startTime":1815.09,"endTime":1816.98,"body":"talking about your"},{"speaker":"Will Owens","startTime":1815.09,"endTime":1816.98,"body":"accomplishments and your"},{"speaker":"Will Owens","startTime":1816.98,"endTime":1820.55,"body":"successes, it doesn't sound like"},{"speaker":"Will Owens","startTime":1816.98,"endTime":1820.55,"body":"you're bragging. And I was like,"},{"speaker":"Will Owens","startTime":1820.55,"endTime":1824.78,"body":"wow, because if you're not"},{"speaker":"Will Owens","startTime":1820.55,"endTime":1824.78,"body":"around other people who are"},{"speaker":"Will Owens","startTime":1824.78,"endTime":1827.66,"body":"having successes in their life,"},{"speaker":"Will Owens","startTime":1824.78,"endTime":1827.66,"body":"you start to feel like you're"},{"speaker":"Will Owens","startTime":1827.66,"endTime":1830.54,"body":"bragging, like, and they look at"},{"speaker":"Will Owens","startTime":1827.66,"endTime":1830.54,"body":"you as if you're bragging, oh,"},{"speaker":"Will Owens","startTime":1830.54,"endTime":1834.11,"body":"man, this guy always talking"},{"speaker":"Will Owens","startTime":1830.54,"endTime":1834.11,"body":"about this, always talking about"},{"speaker":"Will Owens","startTime":1834.14,"endTime":1837.02,"body":"how he's having this or, you"},{"speaker":"Will Owens","startTime":1834.14,"endTime":1837.02,"body":"know, this, you know, lovely"},{"speaker":"Will Owens","startTime":1837.02,"endTime":1839.81,"body":"lady is always talking about how"},{"speaker":"Will Owens","startTime":1837.02,"endTime":1839.81,"body":"our life is great, but my life"},{"speaker":"Will Owens","startTime":1839.81,"endTime":1843.35,"body":"over here is going miserable and"},{"speaker":"Will Owens","startTime":1839.81,"endTime":1843.35,"body":"misery loves company. So you"},{"speaker":"Will Owens","startTime":1843.35,"endTime":1848.72,"body":"know, we got to realize that"},{"speaker":"Will Owens","startTime":1843.35,"endTime":1848.72,"body":"and, and honestly factor that"},{"speaker":"Will Owens","startTime":1848.72,"endTime":1851.84,"body":"in. So you got to get around"},{"speaker":"Will Owens","startTime":1848.72,"endTime":1851.84,"body":"people who are having multiple"},{"speaker":"Will Owens","startTime":1851.84,"endTime":1854.69,"body":"successes. So they're like, Hey,"},{"speaker":"Will Owens","startTime":1851.84,"endTime":1854.69,"body":"what did you do, you know,"},{"speaker":"Will Owens","startTime":1854.69,"endTime":1856.85,"body":"they're encouraging you and"},{"speaker":"Will Owens","startTime":1854.69,"endTime":1856.85,"body":"they're holding you accountable,"},{"speaker":"Will Owens","startTime":1856.88,"endTime":1859.52,"body":"win, win, win, win, win, have"},{"speaker":"Will Owens","startTime":1856.88,"endTime":1859.52,"body":"more success, more success, more"},{"speaker":"Will Owens","startTime":1859.52,"endTime":1862.7,"body":"success, more happiness, you"},{"speaker":"Will Owens","startTime":1859.52,"endTime":1862.7,"body":"know, they're looking for it,"},{"speaker":"Will Owens","startTime":1862.7,"endTime":1865.67,"body":"rather than you know, you're"},{"speaker":"Will Owens","startTime":1862.7,"endTime":1865.67,"body":"coming off as bragging. Because"},{"speaker":"Will Owens","startTime":1865.7,"endTime":1866.9,"body":"you're not around the right"},{"speaker":"Will Owens","startTime":1865.7,"endTime":1866.9,"body":"people."},{"speaker":"Average Joe Finances","startTime":1867.08,"endTime":1870.68,"body":"That is"},{"speaker":"Average Joe Finances","startTime":1867.08,"endTime":1870.68,"body":"all facts. Right there. You"},{"speaker":"Average Joe Finances","startTime":1870.68,"endTime":1875.15,"body":"know, cuz, it's funny, because"},{"speaker":"Average Joe Finances","startTime":1870.68,"endTime":1875.15,"body":"and like you said, Misery does"},{"speaker":"Average Joe Finances","startTime":1875.15,"endTime":1878.54,"body":"love company. And, and like I"},{"speaker":"Average Joe Finances","startTime":1875.15,"endTime":1878.54,"body":"said earlier to success breeds"},{"speaker":"Average Joe Finances","startTime":1878.54,"endTime":1882.02,"body":"success. And if you surround"},{"speaker":"Average Joe Finances","startTime":1878.54,"endTime":1882.02,"body":"yourself with the right people,"},{"speaker":"Average Joe Finances","startTime":1882.92,"endTime":1885.98,"body":"you know, it's not gonna seem"},{"speaker":"Average Joe Finances","startTime":1882.92,"endTime":1885.98,"body":"like you're bragging, it's gonna"},{"speaker":"Average Joe Finances","startTime":1885.98,"endTime":1888.41,"body":"be like, hey, you're doing it,"},{"speaker":"Average Joe Finances","startTime":1885.98,"endTime":1888.41,"body":"hey, congratulations, that's"},{"speaker":"Average Joe Finances","startTime":1888.41,"endTime":1890.69,"body":"awesome for you, this is what"},{"speaker":"Average Joe Finances","startTime":1888.41,"endTime":1890.69,"body":"I'm doing. And people are"},{"speaker":"Average Joe Finances","startTime":1890.69,"endTime":1892.31,"body":"sharing their stories, and you"},{"speaker":"Average Joe Finances","startTime":1890.69,"endTime":1892.31,"body":"start having these"},{"speaker":"Average Joe Finances","startTime":1892.31,"endTime":1896.57,"body":"conversations, and it pushes you"},{"speaker":"Average Joe Finances","startTime":1892.31,"endTime":1896.57,"body":"to accelerate to the next level,"},{"speaker":"Average Joe Finances","startTime":1896.96,"endTime":1900.86,"body":"right? So you know, my wife and"},{"speaker":"Average Joe Finances","startTime":1896.96,"endTime":1900.86,"body":"I talked about this a bunch of"},{"speaker":"Average Joe Finances","startTime":1900.86,"endTime":1904.19,"body":"times, and like, you know, I"},{"speaker":"Average Joe Finances","startTime":1900.86,"endTime":1904.19,"body":"remember coming up as a kid, it"},{"speaker":"Average Joe Finances","startTime":1904.19,"endTime":1908.33,"body":"was always, like, so taboo to"},{"speaker":"Average Joe Finances","startTime":1904.19,"endTime":1908.33,"body":"talk about money, like, you did"},{"speaker":"Average Joe Finances","startTime":1908.33,"endTime":1911.96,"body":"not talk about money with your"},{"speaker":"Average Joe Finances","startTime":1908.33,"endTime":1911.96,"body":"parents. It was not a dinner"},{"speaker":"Average Joe Finances","startTime":1911.96,"endTime":1915.74,"body":"table topic, or any of that. I"},{"speaker":"Average Joe Finances","startTime":1911.96,"endTime":1915.74,"body":"talk about money with my kids"},{"speaker":"Average Joe Finances","startTime":1915.74,"endTime":1918.26,"body":"all the time, all the time,"},{"speaker":"Average Joe Finances","startTime":1915.74,"endTime":1918.26,"body":"because I tell them like, Hey,"},{"speaker":"Average Joe Finances","startTime":1918.26,"endTime":1922.34,"body":"you know, this is, you know,"},{"speaker":"Average Joe Finances","startTime":1918.26,"endTime":1922.34,"body":"start, the younger you start,"},{"speaker":"Average Joe Finances","startTime":1922.7,"endTime":1925.97,"body":"the better off, you're going to"},{"speaker":"Average Joe Finances","startTime":1922.7,"endTime":1925.97,"body":"be way better than me, because I"},{"speaker":"Average Joe Finances","startTime":1925.97,"endTime":1931.7,"body":"want you to be more successful"},{"speaker":"Average Joe Finances","startTime":1925.97,"endTime":1931.7,"body":"than I ever was. And I want to"},{"speaker":"Average Joe Finances","startTime":1931.7,"endTime":1934.64,"body":"give you the tools to do it. I"},{"speaker":"Average Joe Finances","startTime":1931.7,"endTime":1934.64,"body":"have my kids read financial"},{"speaker":"Average Joe Finances","startTime":1934.64,"endTime":1937.04,"body":"literacy books. I mean, we talk"},{"speaker":"Average Joe Finances","startTime":1934.64,"endTime":1937.04,"body":"about this stuff all the time,"},{"speaker":"Average Joe Finances","startTime":1937.04,"endTime":1942.47,"body":"it is not a taboo topic or"},{"speaker":"Average Joe Finances","startTime":1937.04,"endTime":1942.47,"body":"subject in our household. And,"},{"speaker":"Average Joe Finances","startTime":1943.04,"endTime":1945.5,"body":"you know, so good that you're"},{"speaker":"Average Joe Finances","startTime":1943.04,"endTime":1945.5,"body":"doing that. Yeah. And it's and"},{"speaker":"Average Joe Finances","startTime":1945.5,"endTime":1947.78,"body":"it's what it's regardless of"},{"speaker":"Average Joe Finances","startTime":1945.5,"endTime":1947.78,"body":"whatever they want to do in"},{"speaker":"Average Joe Finances","startTime":1947.78,"endTime":1950.72,"body":"life, I don't care, you know,"},{"speaker":"Average Joe Finances","startTime":1947.78,"endTime":1950.72,"body":"what career field you want to go"},{"speaker":"Average Joe Finances","startTime":1950.72,"endTime":1953.96,"body":"into, hey, that's fine. You"},{"speaker":"Average Joe Finances","startTime":1950.72,"endTime":1953.96,"body":"something you're passionate"},{"speaker":"Average Joe Finances","startTime":1953.96,"endTime":1958.46,"body":"about. And and then if, if you"},{"speaker":"Average Joe Finances","startTime":1953.96,"endTime":1958.46,"body":"don't need a lot of money to do"},{"speaker":"Average Joe Finances","startTime":1958.46,"endTime":1961.82,"body":"it, then that's fine, just find"},{"speaker":"Average Joe Finances","startTime":1958.46,"endTime":1961.82,"body":"your happiness. But if it is"},{"speaker":"Average Joe Finances","startTime":1961.82,"endTime":1963.92,"body":"something you're trying to make"},{"speaker":"Average Joe Finances","startTime":1961.82,"endTime":1963.92,"body":"yourself financially secure for"},{"speaker":"Average Joe Finances","startTime":1963.92,"endTime":1968.66,"body":"the future, let me give you the"},{"speaker":"Average Joe Finances","startTime":1963.92,"endTime":1968.66,"body":"tools to do that. And now"},{"speaker":"Average Joe Finances","startTime":1968.66,"endTime":1971.21,"body":"imagine I have some money put to"},{"speaker":"Average Joe Finances","startTime":1968.66,"endTime":1971.21,"body":"the side for them, right, I"},{"speaker":"Average Joe Finances","startTime":1971.21,"endTime":1974.24,"body":"invest for my children and"},{"speaker":"Average Joe Finances","startTime":1971.21,"endTime":1974.24,"body":"Warren Buffett the same way. And"},{"speaker":"Average Joe Finances","startTime":1974.45,"endTime":1976.79,"body":"I want to make sure that they're"},{"speaker":"Average Joe Finances","startTime":1974.45,"endTime":1976.79,"body":"that they're taken care of, but"},{"speaker":"Average Joe Finances","startTime":1976.79,"endTime":1979.76,"body":"I don't want them to feel"},{"speaker":"Average Joe Finances","startTime":1976.79,"endTime":1979.76,"body":"entitled or be like, you know,"},{"speaker":"Average Joe Finances","startTime":1979.76,"endTime":1983.24,"body":"trust fund babies or anything"},{"speaker":"Average Joe Finances","startTime":1979.76,"endTime":1983.24,"body":"like that, right? Get it, you"},{"speaker":"Average Joe Finances","startTime":1983.24,"endTime":1986.45,"body":"they I want them to understand"},{"speaker":"Average Joe Finances","startTime":1983.24,"endTime":1986.45,"body":"the value of the dollar, and"},{"speaker":"Average Joe Finances","startTime":1986.45,"endTime":1990.38,"body":"then the value of having the"},{"speaker":"Average Joe Finances","startTime":1986.45,"endTime":1990.38,"body":"right mindset. And I think it's"},{"speaker":"Average Joe Finances","startTime":1990.38,"endTime":1993.83,"body":"important that you have, you"},{"speaker":"Average Joe Finances","startTime":1990.38,"endTime":1993.83,"body":"know, these family discussions,"},{"speaker":"Average Joe Finances","startTime":1993.86,"endTime":1998.36,"body":"you know, with your significant"},{"speaker":"Average Joe Finances","startTime":1993.86,"endTime":1998.36,"body":"other your children. I even had"},{"speaker":"Average Joe Finances","startTime":1998.36,"endTime":2002.23,"body":"these conversations with my my"},{"speaker":"Average Joe Finances","startTime":1998.36,"endTime":2002.23,"body":"in laws, you know. So there's"},{"speaker":"Average Joe Finances","startTime":2002.26,"endTime":2004.42,"body":"some, there's something I"},{"speaker":"Average Joe Finances","startTime":2002.26,"endTime":2004.42,"body":"haven't really talked to you"},{"speaker":"Average Joe Finances","startTime":2004.42,"endTime":2007.66,"body":"about too. So I know, you know,"},{"speaker":"Average Joe Finances","startTime":2004.42,"endTime":2007.66,"body":"what it feels like, feels like"},{"speaker":"Average Joe Finances","startTime":2007.66,"endTime":2012.1,"body":"to have the loss of a parent, I"},{"speaker":"Average Joe Finances","startTime":2007.66,"endTime":2012.1,"body":"lost my mom also in her 40s back"},{"speaker":"Average Joe Finances","startTime":2012.1,"endTime":2020.29,"body":"in 2003, February 2003. I was on"},{"speaker":"Average Joe Finances","startTime":2012.1,"endTime":2020.29,"body":"my first deployment was, this"},{"speaker":"Average Joe Finances","startTime":2020.29,"endTime":2024.4,"body":"was right before the World War"},{"speaker":"Average Joe Finances","startTime":2020.29,"endTime":2024.4,"body":"first started in Iraq, I was"},{"speaker":"Average Joe Finances","startTime":2024.4,"endTime":2029.02,"body":"actually in the Persian Gulf."},{"speaker":"Average Joe Finances","startTime":2024.4,"endTime":2029.02,"body":"And when she passed, it was very"},{"speaker":"Average Joe Finances","startTime":2029.02,"endTime":2032.05,"body":"difficult for me to get home"},{"speaker":"Average Joe Finances","startTime":2029.02,"endTime":2032.05,"body":"because some of our helicopters"},{"speaker":"Average Joe Finances","startTime":2032.05,"endTime":2036.46,"body":"were getting shot at. So they"},{"speaker":"Average Joe Finances","startTime":2032.05,"endTime":2036.46,"body":"had to find an opportunity that"},{"speaker":"Average Joe Finances","startTime":2036.46,"endTime":2038.35,"body":"they could fly me off safely."},{"speaker":"Average Joe Finances","startTime":2036.46,"endTime":2038.35,"body":"And when that opportunity"},{"speaker":"Average Joe Finances","startTime":2038.35,"endTime":2042.58,"body":"finally came. I was like,"},{"speaker":"Average Joe Finances","startTime":2038.35,"endTime":2042.58,"body":"pushing it and I missed I"},{"speaker":"Average Joe Finances","startTime":2042.58,"endTime":2047.44,"body":"actually missed the first day of"},{"speaker":"Average Joe Finances","startTime":2042.58,"endTime":2047.44,"body":"her wake. You know, I only bring"},{"speaker":"Average Joe Finances","startTime":2047.44,"endTime":2050.08,"body":"this up because like, sorry to"},{"speaker":"Average Joe Finances","startTime":2047.44,"endTime":2050.08,"body":"hear your last two, I just want"},{"speaker":"Average Joe Finances","startTime":2050.08,"endTime":2054.13,"body":"us to negotiate that. Thank you."},{"speaker":"Average Joe Finances","startTime":2050.08,"endTime":2054.13,"body":"But I didn't let that define me."},{"speaker":"Average Joe Finances","startTime":2055.21,"endTime":2059.44,"body":"And I was upset, you know that,"},{"speaker":"Average Joe Finances","startTime":2055.21,"endTime":2059.44,"body":"you know, hey, I was in the"},{"speaker":"Average Joe Finances","startTime":2059.44,"endTime":2063.1,"body":"Navy. 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I"},{"speaker":"Average Joe Finances","startTime":2073.33,"endTime":2076.21,"body":"didn't know I was gonna be gone"},{"speaker":"Average Joe Finances","startTime":2076.21,"endTime":2079.36,"body":"at the time. But I knew I was"},{"speaker":"Average Joe Finances","startTime":2076.21,"endTime":2079.36,"body":"going to be on a ship. You know"},{"speaker":"Average Joe Finances","startTime":2079.36,"endTime":2081.91,"body":"that the whole deployment was"},{"speaker":"Average Joe Finances","startTime":2079.36,"endTime":2081.91,"body":"like a overnight like, Hey, we"},{"speaker":"Average Joe Finances","startTime":2081.91,"endTime":2086.44,"body":"just found out we're leaving you"},{"speaker":"Average Joe Finances","startTime":2081.91,"endTime":2086.44,"body":"got 72 hours. Wow. But, you"},{"speaker":"Average Joe Finances","startTime":2086.44,"endTime":2088.66,"body":"know, she told me when I"},{"speaker":"Average Joe Finances","startTime":2086.44,"endTime":2088.66,"body":"graduated boot camp, that she"},{"speaker":"Average Joe Finances","startTime":2088.66,"endTime":2091.09,"body":"was terminal, and she had six"},{"speaker":"Average Joe Finances","startTime":2088.66,"endTime":2091.09,"body":"months left to live and I you"},{"speaker":"Average Joe Finances","startTime":2091.09,"endTime":2095.23,"body":"know, it was really hard to"},{"speaker":"Average Joe Finances","startTime":2091.09,"endTime":2095.23,"body":"absorb that. Yeah. But one of"},{"speaker":"Average Joe Finances","startTime":2095.23,"endTime":2099.49,"body":"the things she told me is she's"},{"speaker":"Average Joe Finances","startTime":2095.23,"endTime":2099.49,"body":"like, you know, I got to become"},{"speaker":"Average Joe Finances","startTime":2099.49,"endTime":2104.53,"body":"a grandparent. Because my sister"},{"speaker":"Average Joe Finances","startTime":2099.49,"endTime":2104.53,"body":"had had a child, she says, I was"},{"speaker":"Average Joe Finances","startTime":2104.53,"endTime":2107.95,"body":"able to watch you graduate high"},{"speaker":"Average Joe Finances","startTime":2104.53,"endTime":2107.95,"body":"school and start your career in"},{"speaker":"Average Joe Finances","startTime":2107.95,"endTime":2111.43,"body":"the Navy. And I know you're"},{"speaker":"Average Joe Finances","startTime":2107.95,"endTime":2111.43,"body":"gonna be okay. She's like, No,"},{"speaker":"Average Joe Finances","startTime":2111.73,"endTime":2115.96,"body":"I'm okay with this, you know,"},{"speaker":"Average Joe Finances","startTime":2111.73,"endTime":2115.96,"body":"and she accepted it. And, you"},{"speaker":"Average Joe Finances","startTime":2115.96,"endTime":2119.14,"body":"know, stuff like that, you know,"},{"speaker":"Average Joe Finances","startTime":2115.96,"endTime":2119.14,"body":"that was kind of like a life"},{"speaker":"Average Joe Finances","startTime":2119.14,"endTime":2122.95,"body":"defining moment for me that I"},{"speaker":"Average Joe Finances","startTime":2119.14,"endTime":2122.95,"body":"want to continue to live in, in"},{"speaker":"Average Joe Finances","startTime":2122.95,"endTime":2128.41,"body":"a manner that would make her"},{"speaker":"Average Joe Finances","startTime":2122.95,"endTime":2128.41,"body":"proud. As well as you know, give"},{"speaker":"Average Joe Finances","startTime":2128.41,"endTime":2132.52,"body":"what, what I was never able to"},{"speaker":"Average Joe Finances","startTime":2128.41,"endTime":2132.52,"body":"be given to my children, right."},{"speaker":"Average Joe Finances","startTime":2132.94,"endTime":2135.64,"body":"So that they don't miss some of"},{"speaker":"Average Joe Finances","startTime":2132.94,"endTime":2135.64,"body":"these things. Because my mom was"},{"speaker":"Average Joe Finances","startTime":2135.64,"endTime":2142.69,"body":"in, she was 42, I think I"},{"speaker":"Average Joe Finances","startTime":2135.64,"endTime":2142.69,"body":"noticed a similarity. 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As long as"},{"speaker":"Will Owens","startTime":2383.21,"endTime":2386.93,"body":"you are because you got a"},{"speaker":"Will Owens","startTime":2386.93,"endTime":2388.4,"body":"mission that you're living for,"},{"speaker":"Will Owens","startTime":2386.93,"endTime":2388.4,"body":"you know,"},{"speaker":"Average Joe Finances","startTime":2388.63,"endTime":2390.55,"body":"I'm trying"},{"speaker":"Average Joe Finances","startTime":2388.63,"endTime":2390.55,"body":"to live a healthy lifestyle. You"},{"speaker":"Average Joe Finances","startTime":2390.55,"endTime":2393.79,"body":"know, I'm a vegetarian, and then"},{"speaker":"Average Joe Finances","startTime":2390.55,"endTime":2393.79,"body":"I try to try to eat good, but"},{"speaker":"Average Joe Finances","startTime":2393.79,"endTime":2398.14,"body":"you know, you never know what's"},{"speaker":"Average Joe Finances","startTime":2393.79,"endTime":2398.14,"body":"gonna happen, right? 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And, you"},{"speaker":"Average Joe Finances","startTime":2403.54,"endTime":2407.95,"body":"know, it's Yeah, I haven't"},{"speaker":"Average Joe Finances","startTime":2407.95,"endTime":2410.29,"body":"really shared that story on this"},{"speaker":"Average Joe Finances","startTime":2407.95,"endTime":2410.29,"body":"pod because I've been on other"},{"speaker":"Average Joe Finances","startTime":2410.29,"endTime":2414.88,"body":"podcasts, and I've shared bits"},{"speaker":"Average Joe Finances","startTime":2410.29,"endTime":2414.88,"body":"and pieces of that. That's not"},{"speaker":"Average Joe Finances","startTime":2414.88,"endTime":2417.73,"body":"something I really shared on"},{"speaker":"Average Joe Finances","startTime":2414.88,"endTime":2417.73,"body":"this podcast before. And, and"},{"speaker":"Average Joe Finances","startTime":2417.73,"endTime":2420.61,"body":"it's, I just wanted to talk"},{"speaker":"Average Joe Finances","startTime":2417.73,"endTime":2420.61,"body":"about it. Because, you know,"},{"speaker":"Average Joe Finances","startTime":2421.0,"endTime":2424.45,"body":"when you, you know, hearing your"},{"speaker":"Average Joe Finances","startTime":2421.0,"endTime":2424.45,"body":"story and how this, you know, it"},{"speaker":"Average Joe Finances","startTime":2424.45,"endTime":2426.94,"body":"was a defining moment for your"},{"speaker":"Average Joe Finances","startTime":2424.45,"endTime":2426.94,"body":"life, it made me stop for a"},{"speaker":"Average Joe Finances","startTime":2426.94,"endTime":2429.85,"body":"second reflect that, you know,"},{"speaker":"Average Joe Finances","startTime":2426.94,"endTime":2429.85,"body":"some of the changes I've made in"},{"speaker":"Average Joe Finances","startTime":2429.85,"endTime":2435.4,"body":"my life, due to suffering the"},{"speaker":"Average Joe Finances","startTime":2429.85,"endTime":2435.4,"body":"losses that I've that I've had"},{"speaker":"Average Joe Finances","startTime":2435.4,"endTime":2437.98,"body":"to, you know, with losing"},{"speaker":"Average Joe Finances","startTime":2435.4,"endTime":2437.98,"body":"parents and right, you know,"},{"speaker":"Average Joe Finances","startTime":2437.98,"endTime":2441.7,"body":"it's never an easy thing. It's"},{"speaker":"Average Joe Finances","startTime":2437.98,"endTime":2441.7,"body":"never an easy thing. Never. But"},{"speaker":"Average Joe Finances","startTime":2441.79,"endTime":2446.5,"body":"it, you know, I am who I am"},{"speaker":"Average Joe Finances","startTime":2441.79,"endTime":2446.5,"body":"because of it, you know, it's,"},{"speaker":"Average Joe Finances","startTime":2446.5,"endTime":2449.92,"body":"it's helped. It's helped become"},{"speaker":"Average Joe Finances","startTime":2446.5,"endTime":2449.92,"body":"a defining moment and a defining"},{"speaker":"Average Joe Finances","startTime":2449.92,"endTime":2452.5,"body":"category, it's helped built"},{"speaker":"Average Joe Finances","startTime":2449.92,"endTime":2452.5,"body":"defining characteristics in my"},{"speaker":"Average Joe Finances","startTime":2452.5,"endTime":2453.97,"body":"life. So,"},{"speaker":"Will Owens","startTime":2454.27,"endTime":2455.89,"body":"you just said a"},{"speaker":"Will Owens","startTime":2454.27,"endTime":2455.89,"body":"mouthful right there. Because"},{"speaker":"Will Owens","startTime":2456.52,"endTime":2460.21,"body":"you said, Will, you know, do I"},{"speaker":"Will Owens","startTime":2456.52,"endTime":2460.21,"body":"call you Will or do I call you"},{"speaker":"Will Owens","startTime":2460.21,"endTime":2463.33,"body":"William? Alright. And I was"},{"speaker":"Will Owens","startTime":2460.21,"endTime":2463.33,"body":"like, yeah, call me will. But"},{"speaker":"Will Owens","startTime":2463.39,"endTime":2466.69,"body":"honestly, like, you know, and"},{"speaker":"Will Owens","startTime":2463.39,"endTime":2466.69,"body":"through revelation, you know,"},{"speaker":"Will Owens","startTime":2466.69,"endTime":2469.93,"body":"God taught me like, I'm really"},{"speaker":"Will Owens","startTime":2466.69,"endTime":2469.93,"body":"in tune with my relationship"},{"speaker":"Will Owens","startTime":2469.93,"endTime":2473.2,"body":"with God, because he said, you"},{"speaker":"Will Owens","startTime":2469.93,"endTime":2473.2,"body":"know, go be the vessel on this"},{"speaker":"Will Owens","startTime":2473.2,"endTime":2478.0,"body":"earth, God's Will I am, that's"},{"speaker":"Will Owens","startTime":2473.2,"endTime":2478.0,"body":"my name, God's will. I am. And"},{"speaker":"Will Owens","startTime":2478.0,"endTime":2482.2,"body":"so I just go out, and I impact"},{"speaker":"Will Owens","startTime":2478.0,"endTime":2482.2,"body":"lives, right? People like, how"},{"speaker":"Will Owens","startTime":2482.2,"endTime":2484.0,"body":"are you solving all these"},{"speaker":"Will Owens","startTime":2482.2,"endTime":2484.0,"body":"problems? How do you know how to"},{"speaker":"Will Owens","startTime":2484.0,"endTime":2487.03,"body":"talk to these people? How do you"},{"speaker":"Will Owens","startTime":2484.0,"endTime":2487.03,"body":"know, I'm like, it's not a me,"},{"speaker":"Will Owens","startTime":2487.06,"endTime":2490.99,"body":"it's God working through me to,"},{"speaker":"Will Owens","startTime":2487.06,"endTime":2490.99,"body":"you know, relate to a person,"},{"speaker":"Will Owens","startTime":2491.11,"endTime":2494.26,"body":"build a relationship, show love"},{"speaker":"Will Owens","startTime":2491.11,"endTime":2494.26,"body":"and help them in their problem"},{"speaker":"Will Owens","startTime":2494.26,"endTime":2497.05,"body":"areas. I don't know how to do"},{"speaker":"Will Owens","startTime":2494.26,"endTime":2497.05,"body":"all these things by myself,"},{"speaker":"Will Owens","startTime":2497.2,"endTime":2500.86,"body":"right? That's the spirit taking"},{"speaker":"Will Owens","startTime":2497.2,"endTime":2500.86,"body":"over and tapping into something"},{"speaker":"Will Owens","startTime":2500.86,"endTime":2503.92,"body":"that I would never know about"},{"speaker":"Will Owens","startTime":2500.86,"endTime":2503.92,"body":"this person, but the Spirit can"},{"speaker":"Will Owens","startTime":2504.16,"endTime":2507.64,"body":"attract to your spirit or that"},{"speaker":"Will Owens","startTime":2504.16,"endTime":2507.64,"body":"person spirit. And it knows how"},{"speaker":"Will Owens","startTime":2507.64,"endTime":2510.61,"body":"to bring that out, right?"},{"speaker":"Will Owens","startTime":2507.64,"endTime":2510.61,"body":"whatever is inside of you, it,"},{"speaker":"Will Owens","startTime":2510.91,"endTime":2515.95,"body":"it just pulls that emotion and"},{"speaker":"Will Owens","startTime":2510.91,"endTime":2515.95,"body":"that revelation out of you. And"},{"speaker":"Will Owens","startTime":2515.98,"endTime":2518.71,"body":"you get to share like, dude,"},{"speaker":"Will Owens","startTime":2515.98,"endTime":2518.71,"body":"like, look at what you just did."},{"speaker":"Will Owens","startTime":2518.71,"endTime":2522.46,"body":"You know, you said, this was a"},{"speaker":"Will Owens","startTime":2518.71,"endTime":2522.46,"body":"defining thing in my life, and"},{"speaker":"Will Owens","startTime":2522.46,"endTime":2526.99,"body":"you was able to share it on your"},{"speaker":"Will Owens","startTime":2522.46,"endTime":2526.99,"body":"podcast, like, That's powerful."},{"speaker":"Will Owens","startTime":2527.02,"endTime":2529.72,"body":"That's that's what my coaching"},{"speaker":"Will Owens","startTime":2527.02,"endTime":2529.72,"body":"sessions are like, yeah, if"},{"speaker":"Will Owens","startTime":2529.72,"endTime":2533.26,"body":"you're, my coaching sessions go,"},{"speaker":"Will Owens","startTime":2529.72,"endTime":2533.26,"body":"like, that's what it goes, like,"},{"speaker":"Will Owens","startTime":2533.26,"endTime":2537.1,"body":"but I record it. So a person can"},{"speaker":"Will Owens","startTime":2533.26,"endTime":2537.1,"body":"see the whole transformation"},{"speaker":"Will Owens","startTime":2537.1,"endTime":2540.73,"body":"happened before I coined it the"},{"speaker":"Will Owens","startTime":2537.1,"endTime":2540.73,"body":"20 minute transformation, like"},{"speaker":"Will Owens","startTime":2540.73,"endTime":2543.25,"body":"get on a call with me 20"},{"speaker":"Will Owens","startTime":2540.73,"endTime":2543.25,"body":"minutes, you'll be transformed."},{"speaker":"Will Owens","startTime":2543.52,"endTime":2546.67,"body":"Whether it's money, you know,"},{"speaker":"Will Owens","startTime":2543.52,"endTime":2546.67,"body":"life coaching, whatever, it may"},{"speaker":"Will Owens","startTime":2546.67,"endTime":2549.28,"body":"be business consultant, 20"},{"speaker":"Will Owens","startTime":2546.67,"endTime":2549.28,"body":"minutes, that's all the take,"},{"speaker":"Will Owens","startTime":2549.28,"endTime":2550.48,"body":"and you will be transformed."},{"speaker":"Average Joe Finances","startTime":2550.69,"endTime":2552.52,"body":"Yeah,"},{"speaker":"Average Joe Finances","startTime":2550.69,"endTime":2552.52,"body":"right on. 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You know,"},{"speaker":"Average Joe Finances","startTime":2563.56,"endTime":2568.45,"body":"and, and, it's, I think it's"},{"speaker":"Average Joe Finances","startTime":2568.45,"endTime":2572.53,"body":"also a testament to, you know,"},{"speaker":"Average Joe Finances","startTime":2568.45,"endTime":2572.53,"body":"what you do with your own"},{"speaker":"Average Joe Finances","startTime":2572.53,"endTime":2576.46,"body":"coaching services, and how you,"},{"speaker":"Average Joe Finances","startTime":2572.53,"endTime":2576.46,"body":"you know, you're not afraid to"},{"speaker":"Average Joe Finances","startTime":2576.46,"endTime":2580.66,"body":"share your story and what's"},{"speaker":"Average Joe Finances","startTime":2576.46,"endTime":2580.66,"body":"going on with you and, and the"},{"speaker":"Average Joe Finances","startTime":2580.66,"endTime":2585.01,"body":"defining moments in your life"},{"speaker":"Average Joe Finances","startTime":2580.66,"endTime":2585.01,"body":"that that had these changes. And"},{"speaker":"Average Joe Finances","startTime":2585.01,"endTime":2588.73,"body":"I, you know, I believe that, you"},{"speaker":"Average Joe Finances","startTime":2585.01,"endTime":2588.73,"body":"know, the the people that you"},{"speaker":"Average Joe Finances","startTime":2588.73,"endTime":2594.01,"body":"help are truly seeing who will"},{"speaker":"Average Joe Finances","startTime":2588.73,"endTime":2594.01,"body":"truly is right, there is no"},{"speaker":"Average Joe Finances","startTime":2594.49,"endTime":2597.88,"body":"behind the guys or anything like"},{"speaker":"Average Joe Finances","startTime":2594.49,"endTime":2597.88,"body":"that. And you know, and that's"},{"speaker":"Average Joe Finances","startTime":2597.88,"endTime":2601.18,"body":"and that's how I like to do what"},{"speaker":"Average Joe Finances","startTime":2597.88,"endTime":2601.18,"body":"I'm doing as well, like, I'm not"},{"speaker":"Average Joe Finances","startTime":2601.18,"endTime":2605.05,"body":"trying to hide anything, I am"},{"speaker":"Average Joe Finances","startTime":2601.18,"endTime":2605.05,"body":"who I am now. And this is my"},{"speaker":"Average Joe Finances","startTime":2605.05,"endTime":2608.53,"body":"life, this is my story. 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And you're going to"},{"speaker":"Will Owens","startTime":2621.79,"endTime":2625.12,"body":"continue because you are"},{"speaker":"Will Owens","startTime":2621.79,"endTime":2625.12,"body":"operating out of integrity. You"},{"speaker":"Will Owens","startTime":2625.12,"endTime":2625.63,"body":"know, that's"},{"speaker":"Average Joe Finances","startTime":2625.63,"endTime":2629.11,"body":"what"},{"speaker":"Average Joe Finances","startTime":2625.63,"endTime":2629.11,"body":"that's important. Yeah, super"},{"speaker":"Average Joe Finances","startTime":2629.11,"endTime":2631.48,"body":"important. 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When you look at it, like"},{"speaker":"Average Joe Finances","startTime":2647.11,"endTime":2649.75,"body":"you feel like okay, you're,"},{"speaker":"Average Joe Finances","startTime":2647.11,"endTime":2649.75,"body":"you're just doing this not"},{"speaker":"Average Joe Finances","startTime":2649.75,"endTime":2652.42,"body":"really to help other people."},{"speaker":"Average Joe Finances","startTime":2649.75,"endTime":2652.42,"body":"You're doing it for yourself and"},{"speaker":"Average Joe Finances","startTime":2652.42,"endTime":2656.98,"body":"land pockets, you know? Sure. I"},{"speaker":"Average Joe Finances","startTime":2652.42,"endTime":2656.98,"body":"mean, you know, if you're doing"},{"speaker":"Average Joe Finances","startTime":2656.98,"endTime":2658.39,"body":"something you're passionate"},{"speaker":"Average Joe Finances","startTime":2656.98,"endTime":2658.39,"body":"about, and you're helping other"},{"speaker":"Average Joe Finances","startTime":2658.39,"endTime":2661.51,"body":"people and you you find a way to"},{"speaker":"Average Joe Finances","startTime":2658.39,"endTime":2661.51,"body":"make an income from that. That's"},{"speaker":"Average Joe Finances","startTime":2661.51,"endTime":2666.73,"body":"fantastic, right? But don't let"},{"speaker":"Average Joe Finances","startTime":2661.51,"endTime":2666.73,"body":"the you know, the filling your"},{"speaker":"Average Joe Finances","startTime":2666.73,"endTime":2672.37,"body":"pockets, be the reason why"},{"speaker":"Average Joe Finances","startTime":2666.73,"endTime":2672.37,"body":"they're doing it or got into it"},{"speaker":"Average Joe Finances","startTime":2672.37,"endTime":2674.95,"body":"right? Don't let that be your"},{"speaker":"Average Joe Finances","startTime":2672.37,"endTime":2674.95,"body":"mission. Let your mission be to"},{"speaker":"Average Joe Finances","startTime":2674.95,"endTime":2678.31,"body":"actually serve others. 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And in"},{"speaker":"Will Owens","startTime":2712.87,"endTime":2716.59,"body":"doing that, you know, people who"},{"speaker":"Will Owens","startTime":2712.87,"endTime":2716.59,"body":"take on a new mindset, like one"},{"speaker":"Will Owens","startTime":2716.59,"endTime":2720.31,"body":"of my clients, I helped her put"},{"speaker":"Will Owens","startTime":2716.59,"endTime":2720.31,"body":"$800 back in her pocket, because"},{"speaker":"Will Owens","startTime":2720.31,"endTime":2723.31,"body":"of the fact that she didn't"},{"speaker":"Will Owens","startTime":2720.31,"endTime":2723.31,"body":"realize she was overspending on"},{"speaker":"Will Owens","startTime":2723.34,"endTime":2725.65,"body":"eating out, right, we just"},{"speaker":"Will Owens","startTime":2723.34,"endTime":2725.65,"body":"worked through a budget sheet."},{"speaker":"Will Owens","startTime":2725.71,"endTime":2728.32,"body":"And she was like, wow, I spent"},{"speaker":"Will Owens","startTime":2725.71,"endTime":2728.32,"body":"that much eating out, like, you"},{"speaker":"Will Owens","startTime":2728.32,"endTime":2732.19,"body":"know, restaurants, breakfast,"},{"speaker":"Will Owens","startTime":2728.32,"endTime":2732.19,"body":"lunch, you know, in going out to"},{"speaker":"Will Owens","startTime":2732.19,"endTime":2734.44,"body":"like fast food and stuff like"},{"speaker":"Will Owens","startTime":2732.19,"endTime":2734.44,"body":"that. 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And I'm telling"},{"speaker":"Will Owens","startTime":2744.22,"endTime":2748.39,"body":"people, Look, my company will"},{"speaker":"Will Owens","startTime":2748.39,"endTime":2753.25,"body":"guarantee you a 5% return, every"},{"speaker":"Will Owens","startTime":2748.39,"endTime":2753.25,"body":"month, if you you know, loan the"},{"speaker":"Will Owens","startTime":2753.25,"endTime":2756.07,"body":"money to my company, I will"},{"speaker":"Will Owens","startTime":2753.25,"endTime":2756.07,"body":"write up a contract, you will be"},{"speaker":"Will Owens","startTime":2756.07,"endTime":2758.77,"body":"getting this pay money, pay it"},{"speaker":"Will Owens","startTime":2756.07,"endTime":2758.77,"body":"30 days later. And they're like,"},{"speaker":"Will Owens","startTime":2759.07,"endTime":2762.16,"body":"like, how can you guarantee that"},{"speaker":"Will Owens","startTime":2759.07,"endTime":2762.16,"body":"and I'm like, cuz I'm all about"},{"speaker":"Will Owens","startTime":2762.16,"endTime":2766.81,"body":"sharing, I know that the money"},{"speaker":"Will Owens","startTime":2762.16,"endTime":2766.81,"body":"will come to me. And I said"},{"speaker":"Will Owens","startTime":2766.81,"endTime":2769.6,"body":"their money aside, like I"},{"speaker":"Will Owens","startTime":2766.81,"endTime":2769.6,"body":"literally set it aside and"},{"speaker":"Will Owens","startTime":2769.6,"endTime":2773.17,"body":"account just to practice"},{"speaker":"Will Owens","startTime":2769.6,"endTime":2773.17,"body":"discipline. For them, the habit"},{"speaker":"Will Owens","startTime":2773.17,"endTime":2777.52,"body":"of saving is so essential. What"},{"speaker":"Will Owens","startTime":2773.17,"endTime":2777.52,"body":"is a penny saved is a penny"},{"speaker":"Will Owens","startTime":2777.55,"endTime":2781.87,"body":"earned, right? So I'm helping"},{"speaker":"Will Owens","startTime":2777.55,"endTime":2781.87,"body":"them save, you know, a penny or"},{"speaker":"Will Owens","startTime":2781.87,"endTime":2784.39,"body":"whatever it may be any amount"},{"speaker":"Will Owens","startTime":2781.87,"endTime":2784.39,"body":"they choose, and then I'm giving"},{"speaker":"Will Owens","startTime":2784.39,"endTime":2787.63,"body":"rewarding them a 5% at the end"},{"speaker":"Will Owens","startTime":2784.39,"endTime":2787.63,"body":"of the month, so that they can"},{"speaker":"Will Owens","startTime":2787.63,"endTime":2791.56,"body":"go out and do something at the"},{"speaker":"Will Owens","startTime":2787.63,"endTime":2791.56,"body":"end of the year or 60% that pays"},{"speaker":"Will Owens","startTime":2791.56,"endTime":2795.1,"body":"for a person's mortgage or a car"},{"speaker":"Will Owens","startTime":2791.56,"endTime":2795.1,"body":"No, or whatever it may be, like,"},{"speaker":"Will Owens","startTime":2795.1,"endTime":2797.74,"body":"why are you doing this? Why do"},{"speaker":"Will Owens","startTime":2795.1,"endTime":2797.74,"body":"you want to help me so much."},{"speaker":"Will Owens","startTime":2798.82,"endTime":2801.55,"body":"Because I want to spread love"},{"speaker":"Will Owens","startTime":2798.82,"endTime":2801.55,"body":"into the world, there's people"},{"speaker":"Will Owens","startTime":2801.55,"endTime":2804.82,"body":"who will help me just because"},{"speaker":"Will Owens","startTime":2801.55,"endTime":2804.82,"body":"I'm helping you. And I'm not"},{"speaker":"Will Owens","startTime":2804.82,"endTime":2808.93,"body":"doing it to be helped. I'm doing"},{"speaker":"Will Owens","startTime":2804.82,"endTime":2808.93,"body":"it because I feel that the world"},{"speaker":"Will Owens","startTime":2809.05,"endTime":2813.58,"body":"deserves to have more people,"},{"speaker":"Will Owens","startTime":2809.05,"endTime":2813.58,"body":"like we said, working together"},{"speaker":"Will Owens","startTime":2813.7,"endTime":2815.92,"body":"to help people achieve their"},{"speaker":"Will Owens","startTime":2813.7,"endTime":2815.92,"body":"dreams, I created an"},{"speaker":"Will Owens","startTime":2815.92,"endTime":2819.37,"body":"organization on my call, it's"},{"speaker":"Will Owens","startTime":2815.92,"endTime":2819.37,"body":"called the Brotherhood and you"},{"speaker":"Will Owens","startTime":2819.37,"endTime":2823.63,"body":"know, that organization, I"},{"speaker":"Will Owens","startTime":2819.37,"endTime":2823.63,"body":"literally started up. And once I"},{"speaker":"Will Owens","startTime":2823.63,"endTime":2826.51,"body":"graduated waterway, that"},{"speaker":"Will Owens","startTime":2823.63,"endTime":2826.51,"body":"organization is still standing"},{"speaker":"Will Owens","startTime":2826.51,"endTime":2830.89,"body":"today. And me and my friends, we"},{"speaker":"Will Owens","startTime":2826.51,"endTime":2830.89,"body":"go back every year to you know,"},{"speaker":"Will Owens","startTime":2830.92,"endTime":2834.88,"body":"do our founder speech. And it"},{"speaker":"Will Owens","startTime":2830.92,"endTime":2834.88,"body":"stands for brothers respecting"},{"speaker":"Will Owens","startTime":2834.88,"endTime":2838.15,"body":"open thought helping every man"},{"speaker":"Will Owens","startTime":2834.88,"endTime":2838.15,"body":"realize his own original dream"},{"speaker":"Will Owens","startTime":2838.18,"endTime":2842.77,"body":"brotherhood. And, you know,"},{"speaker":"Will Owens","startTime":2838.18,"endTime":2842.77,"body":"like, just to see how many"},{"speaker":"Will Owens","startTime":2842.77,"endTime":2845.77,"body":"people's lives are changed by"},{"speaker":"Will Owens","startTime":2842.77,"endTime":2845.77,"body":"that, like they're going and"},{"speaker":"Will Owens","startTime":2845.8,"endTime":2850.45,"body":"these are engineers graduating,"},{"speaker":"Will Owens","startTime":2845.8,"endTime":2850.45,"body":"got a PhD, you know, Masters,"},{"speaker":"Will Owens","startTime":2850.45,"endTime":2853.78,"body":"you know, regular with a"},{"speaker":"Will Owens","startTime":2850.45,"endTime":2853.78,"body":"bachelor's, and then they go out"},{"speaker":"Will Owens","startTime":2853.78,"endTime":2857.11,"body":"and impact their communities."},{"speaker":"Will Owens","startTime":2853.78,"endTime":2857.11,"body":"And they have a problem solving"},{"speaker":"Will Owens","startTime":2857.11,"endTime":2860.44,"body":"mindset, right? They're building"},{"speaker":"Will Owens","startTime":2857.11,"endTime":2860.44,"body":"out relationships, they're"},{"speaker":"Will Owens","startTime":2860.44,"endTime":2865.27,"body":"sharing themselves vulnerably,"},{"speaker":"Will Owens","startTime":2860.44,"endTime":2865.27,"body":"like with others, and it's just,"},{"speaker":"Will Owens","startTime":2865.3,"endTime":2867.55,"body":"they come back and share their"},{"speaker":"Will Owens","startTime":2865.3,"endTime":2867.55,"body":"experiences. And I'm like, I"},{"speaker":"Will Owens","startTime":2867.55,"endTime":2871.21,"body":"never knew that this would start"},{"speaker":"Will Owens","startTime":2867.55,"endTime":2871.21,"body":"from here, but it expanded and"},{"speaker":"Will Owens","startTime":2871.21,"endTime":2873.94,"body":"expanded. And it's all over the"},{"speaker":"Will Owens","startTime":2871.21,"endTime":2873.94,"body":"country now. It's like, it's"},{"speaker":"Will Owens","startTime":2873.94,"endTime":2875.29,"body":"it's phenomenal to me."},{"speaker":"Average Joe Finances","startTime":2875.32,"endTime":2877.0,"body":"Yeah,"},{"speaker":"Average Joe Finances","startTime":2875.32,"endTime":2877.0,"body":"that's, that's awesome. I mean,"},{"speaker":"Average Joe Finances","startTime":2877.0,"endTime":2881.05,"body":"like, you know, the fact that"},{"speaker":"Average Joe Finances","startTime":2877.0,"endTime":2881.05,"body":"you you put you've proven that"},{"speaker":"Average Joe Finances","startTime":2881.05,"endTime":2885.55,"body":"you put your effort into"},{"speaker":"Average Joe Finances","startTime":2881.05,"endTime":2885.55,"body":"everything that you do. Yeah,"},{"speaker":"Average Joe Finances","startTime":2885.55,"endTime":2889.3,"body":"right. And it's not it's not so"},{"speaker":"Average Joe Finances","startTime":2885.55,"endTime":2889.3,"body":"much that, you know, you start"},{"speaker":"Average Joe Finances","startTime":2889.3,"endTime":2892.0,"body":"something up and and you built"},{"speaker":"Average Joe Finances","startTime":2889.3,"endTime":2892.0,"body":"something and now you're walking"},{"speaker":"Average Joe Finances","startTime":2892.0,"endTime":2895.36,"body":"away from it, no, you built"},{"speaker":"Average Joe Finances","startTime":2892.0,"endTime":2895.36,"body":"this, this other group up right"},{"speaker":"Average Joe Finances","startTime":2895.36,"endTime":2899.26,"body":"outside of your college, right,"},{"speaker":"Average Joe Finances","startTime":2895.36,"endTime":2899.26,"body":"right out of college. And to the"},{"speaker":"Average Joe Finances","startTime":2899.26,"endTime":2901.72,"body":"point where it's, it's still a"},{"speaker":"Average Joe Finances","startTime":2899.26,"endTime":2901.72,"body":"thing that's going on, it's an"},{"speaker":"Average Joe Finances","startTime":2901.72,"endTime":2906.55,"body":"organism life, you know, you"},{"speaker":"Average Joe Finances","startTime":2901.72,"endTime":2906.55,"body":"know, it's, it's, it's one of"},{"speaker":"Average Joe Finances","startTime":2906.55,"endTime":2908.77,"body":"the things that I think is a"},{"speaker":"Average Joe Finances","startTime":2906.55,"endTime":2908.77,"body":"quality trait about you just"},{"speaker":"Average Joe Finances","startTime":2908.77,"endTime":2911.02,"body":"from just from having this"},{"speaker":"Average Joe Finances","startTime":2908.77,"endTime":2911.02,"body":"discussion with you that I've"},{"speaker":"Average Joe Finances","startTime":2911.02,"endTime":2914.65,"body":"picked up on is that you are"},{"speaker":"Average Joe Finances","startTime":2911.02,"endTime":2914.65,"body":"you're not afraid to put a"},{"speaker":"Average Joe Finances","startTime":2914.65,"endTime":2918.58,"body":"little bit of yourself into"},{"speaker":"Average Joe Finances","startTime":2914.65,"endTime":2918.58,"body":"everything that you do, you"},{"speaker":"Average Joe Finances","startTime":2918.58,"endTime":2921.34,"body":"know, and pour yourself into it,"},{"speaker":"Average Joe Finances","startTime":2918.58,"endTime":2921.34,"body":"because that's the kind of"},{"speaker":"Average Joe Finances","startTime":2921.34,"endTime":2924.91,"body":"passion that you have. And I"},{"speaker":"Average Joe Finances","startTime":2921.34,"endTime":2924.91,"body":"think it also goes back ties"},{"speaker":"Average Joe Finances","startTime":2924.91,"endTime":2927.37,"body":"back into your your spiritual"},{"speaker":"Average Joe Finances","startTime":2924.91,"endTime":2927.37,"body":"journey, you know, your"},{"speaker":"Average Joe Finances","startTime":2927.37,"endTime":2931.75,"body":"relationship with God, like he"},{"speaker":"Average Joe Finances","startTime":2927.37,"endTime":2931.75,"body":"talked about? how, you know,"},{"speaker":"Average Joe Finances","startTime":2931.75,"endTime":2937.15,"body":"it's, it's helping to give you"},{"speaker":"Average Joe Finances","startTime":2931.75,"endTime":2937.15,"body":"that confidence and push you in"},{"speaker":"Average Joe Finances","startTime":2937.15,"endTime":2940.42,"body":"this direction to make these"},{"speaker":"Average Joe Finances","startTime":2937.15,"endTime":2940.42,"body":"things happen. You got a"},{"speaker":"Average Joe Finances","startTime":2940.42,"endTime":2943.78,"body":"brother? You got it? Yeah. I"},{"speaker":"Average Joe Finances","startTime":2940.42,"endTime":2943.78,"body":"mean, I think you're doing some"},{"speaker":"Average Joe Finances","startTime":2943.78,"endTime":2947.62,"body":"really awesome things as a"},{"speaker":"Average Joe Finances","startTime":2943.78,"endTime":2947.62,"body":"coach, man, you know, and your"},{"speaker":"Average Joe Finances","startTime":2947.62,"endTime":2952.78,"body":"goal of being able to impact"},{"speaker":"Average Joe Finances","startTime":2947.62,"endTime":2952.78,"body":"250,000 people's lives this"},{"speaker":"Average Joe Finances","startTime":2952.78,"endTime":2958.18,"body":"year. That's, that's amazing. I"},{"speaker":"Average Joe Finances","startTime":2952.78,"endTime":2958.18,"body":"really hope you do it. I'd love"},{"speaker":"Average Joe Finances","startTime":2958.18,"endTime":2960.85,"body":"to see you get there. Actually,"},{"speaker":"Average Joe Finances","startTime":2958.18,"endTime":2960.85,"body":"I know you're gonna Oh, yeah."},{"speaker":"Average Joe Finances","startTime":2960.85,"endTime":2963.79,"body":"Well, you're gonna connect"},{"speaker":"Average Joe Finances","startTime":2960.85,"endTime":2963.79,"body":"again. Well, I can't get on"},{"speaker":"Average Joe Finances","startTime":2963.85,"endTime":2967.18,"body":"there. So you got to keep me"},{"speaker":"Average Joe Finances","startTime":2963.85,"endTime":2967.18,"body":"updated on that. I will. I will."},{"speaker":"Average Joe Finances","startTime":2969.22,"endTime":2974.32,"body":"Alright, so there's, um, I"},{"speaker":"Average Joe Finances","startTime":2969.22,"endTime":2974.32,"body":"wanted to ask you if you had so"},{"speaker":"Average Joe Finances","startTime":2974.83,"endTime":2980.5,"body":"let's say, you know, I'm coming"},{"speaker":"Average Joe Finances","startTime":2974.83,"endTime":2980.5,"body":"in and I want to start getting"},{"speaker":"Average Joe Finances","startTime":2980.5,"endTime":2983.74,"body":"out of debt. And I'm not exactly"},{"speaker":"Average Joe Finances","startTime":2980.5,"endTime":2983.74,"body":"sure where to get started. I've"},{"speaker":"Average Joe Finances","startTime":2983.74,"endTime":2990.01,"body":"got like $20,000 in credit card"},{"speaker":"Average Joe Finances","startTime":2983.74,"endTime":2990.01,"body":"debt. I've got a 520 credit"},{"speaker":"Average Joe Finances","startTime":2990.01,"endTime":2994.72,"body":"score. What kind of tips would"},{"speaker":"Average Joe Finances","startTime":2990.01,"endTime":2994.72,"body":"you recommend for somebody who's"},{"speaker":"Average Joe Finances","startTime":2994.75,"endTime":2999.4,"body":"in that situation that that has"},{"speaker":"Average Joe Finances","startTime":2994.75,"endTime":2999.4,"body":"this compounding debt over their"},{"speaker":"Average Joe Finances","startTime":2999.4,"endTime":3002.97,"body":"head? And, you know, a poor"},{"speaker":"Average Joe Finances","startTime":2999.4,"endTime":3002.97,"body":"credit score and they're trying"},{"speaker":"Average Joe Finances","startTime":3002.97,"endTime":3005.34,"body":"to build themselves up. What"},{"speaker":"Average Joe Finances","startTime":3002.97,"endTime":3005.34,"body":"would you recommend?"},{"speaker":"Will Owens","startTime":3005.57,"endTime":3007.22,"body":"Hey, first and"},{"speaker":"Will Owens","startTime":3005.57,"endTime":3007.22,"body":"foremost, I'm going to put them"},{"speaker":"Will Owens","startTime":3007.22,"endTime":3012.5,"body":"on to your Episode Two. Episode"},{"speaker":"Will Owens","startTime":3007.22,"endTime":3012.5,"body":"Two Average Joe Finances. I"},{"speaker":"Will Owens","startTime":3012.5,"endTime":3015.77,"body":"mean, man, the tips were simple."},{"speaker":"Will Owens","startTime":3012.5,"endTime":3015.77,"body":"No, no, of course, like the"},{"speaker":"Will Owens","startTime":3015.77,"endTime":3018.2,"body":"terms were simple. I was like,"},{"speaker":"Will Owens","startTime":3015.77,"endTime":3018.2,"body":"wow, this actually sounds like"},{"speaker":"Will Owens","startTime":3018.2,"endTime":3022.1,"body":"me talking. You know, you talked"},{"speaker":"Will Owens","startTime":3018.2,"endTime":3022.1,"body":"about the budget. And you talked"},{"speaker":"Will Owens","startTime":3022.1,"endTime":3025.37,"body":"about how, you know, like I"},{"speaker":"Will Owens","startTime":3022.1,"endTime":3025.37,"body":"said, like, putting money"},{"speaker":"Will Owens","startTime":3025.37,"endTime":3028.58,"body":"towards charity, tithing it"},{"speaker":"Will Owens","startTime":3025.37,"endTime":3028.58,"body":"taking advantage of the matches"},{"speaker":"Will Owens","startTime":3028.58,"endTime":3031.82,"body":"in a 401k. You hit it on the"},{"speaker":"Will Owens","startTime":3028.58,"endTime":3031.82,"body":"head with all the things that"},{"speaker":"Will Owens","startTime":3031.82,"endTime":3036.26,"body":"mattered. Right? And you talked"},{"speaker":"Will Owens","startTime":3031.82,"endTime":3036.26,"body":"about snowballing, right? So"},{"speaker":"Will Owens","startTime":3036.26,"endTime":3039.65,"body":"the, whether it's the interest"},{"speaker":"Will Owens","startTime":3036.26,"endTime":3039.65,"body":"rate, right for credit cards"},{"speaker":"Will Owens","startTime":3039.68,"endTime":3043.97,"body":"paying off in a certain way, or"},{"speaker":"Will Owens","startTime":3039.68,"endTime":3043.97,"body":"you're attacking the smallest"},{"speaker":"Will Owens","startTime":3043.97,"endTime":3047.99,"body":"and then building up so you"},{"speaker":"Will Owens","startTime":3043.97,"endTime":3047.99,"body":"know, I'm like, you hit it,"},{"speaker":"Will Owens","startTime":3047.99,"endTime":3051.32,"body":"right. So first and foremost,"},{"speaker":"Will Owens","startTime":3047.99,"endTime":3051.32,"body":"I'm going to get get them the"},{"speaker":"Will Owens","startTime":3051.32,"endTime":3054.08,"body":"introduction, listen to Episode"},{"speaker":"Will Owens","startTime":3051.32,"endTime":3054.08,"body":"Two, Average Joe Finances."},{"speaker":"Will Owens","startTime":3056.09,"endTime":3059.12,"body":"Right? If you need to see the"},{"speaker":"Will Owens","startTime":3056.09,"endTime":3059.12,"body":"stuff being put into"},{"speaker":"Will Owens","startTime":3059.12,"endTime":3062.6,"body":"application, I give them my"},{"speaker":"Will Owens","startTime":3059.12,"endTime":3062.6,"body":"ebook, my audio book for free."},{"speaker":"Will Owens","startTime":3062.72,"endTime":3066.86,"body":"So they can learn from my"},{"speaker":"Will Owens","startTime":3062.72,"endTime":3066.86,"body":"personal story, right? And now"},{"speaker":"Will Owens","startTime":3066.86,"endTime":3070.1,"body":"that their mind is in tune even"},{"speaker":"Will Owens","startTime":3066.86,"endTime":3070.1,"body":"more, and then I'll give them my"},{"speaker":"Will Owens","startTime":3070.1,"endTime":3074.21,"body":"course. So not only is you know,"},{"speaker":"Will Owens","startTime":3070.1,"endTime":3074.21,"body":"they get all this free"},{"speaker":"Will Owens","startTime":3074.21,"endTime":3078.8,"body":"information, but now they're"},{"speaker":"Will Owens","startTime":3074.21,"endTime":3078.8,"body":"seeing it live and in action."},{"speaker":"Will Owens","startTime":3078.92,"endTime":3081.98,"body":"Right there. I'm telling them"},{"speaker":"Will Owens","startTime":3078.92,"endTime":3081.98,"body":"download your PDF or your bank"},{"speaker":"Will Owens","startTime":3081.98,"endTime":3085.73,"body":"statement. Look at all the"},{"speaker":"Will Owens","startTime":3081.98,"endTime":3085.73,"body":"charges, right? Look at my"},{"speaker":"Will Owens","startTime":3085.73,"endTime":3089.3,"body":"charges, you know, people learn"},{"speaker":"Will Owens","startTime":3085.73,"endTime":3089.3,"body":"when they can laugh at others,"},{"speaker":"Will Owens","startTime":3089.3,"endTime":3093.29,"body":"right? We watch TV, because we"},{"speaker":"Will Owens","startTime":3089.3,"endTime":3093.29,"body":"can laugh at the lives of other"},{"speaker":"Will Owens","startTime":3093.29,"endTime":3096.68,"body":"people. It's entertainment. So"},{"speaker":"Will Owens","startTime":3093.29,"endTime":3096.68,"body":"I'm like, Look, laugh at my son,"},{"speaker":"Will Owens","startTime":3096.71,"endTime":3100.01,"body":"like laugh at my scenario,"},{"speaker":"Will Owens","startTime":3096.71,"endTime":3100.01,"body":"right? I had a, I even put this"},{"speaker":"Will Owens","startTime":3100.01,"endTime":3104.54,"body":"on my course. I had 17 or"},{"speaker":"Will Owens","startTime":3100.01,"endTime":3104.54,"body":"$16,000 in deposit into my bank"},{"speaker":"Will Owens","startTime":3104.54,"endTime":3110.45,"body":"account. And I spent 17,001"},{"speaker":"Will Owens","startTime":3104.54,"endTime":3110.45,"body":"month in one month, and I earned"},{"speaker":"Will Owens","startTime":3110.54,"endTime":3116.72,"body":"one cent. And that one month of"},{"speaker":"Will Owens","startTime":3110.54,"endTime":3116.72,"body":"answers. I was like one cent Are"},{"speaker":"Will Owens","startTime":3116.72,"endTime":3119.84,"body":"you kidding me? Like one cent of"},{"speaker":"Will Owens","startTime":3116.72,"endTime":3119.84,"body":"interest? And it was like, yeah,"},{"speaker":"Will Owens","startTime":3119.84,"endTime":3123.77,"body":"you earned five cent total this"},{"speaker":"Will Owens","startTime":3119.84,"endTime":3123.77,"body":"year of interest. And I was"},{"speaker":"Will Owens","startTime":3123.77,"endTime":3128.45,"body":"like, wow, like I did all these"},{"speaker":"Will Owens","startTime":3123.77,"endTime":3128.45,"body":"transactions. And one cent was"},{"speaker":"Will Owens","startTime":3128.45,"endTime":3131.93,"body":"all I got out of it. Like it's a"},{"speaker":"Will Owens","startTime":3128.45,"endTime":3131.93,"body":"joke, you know, but then I'm"},{"speaker":"Will Owens","startTime":3131.93,"endTime":3135.65,"body":"telling people, hey, I can give"},{"speaker":"Will Owens","startTime":3131.93,"endTime":3135.65,"body":"you 5% interest per month from"},{"speaker":"Will Owens","startTime":3135.65,"endTime":3138.68,"body":"my company like, like, you know,"},{"speaker":"Will Owens","startTime":3135.65,"endTime":3138.68,"body":"it puts people in a different"},{"speaker":"Will Owens","startTime":3138.68,"endTime":3141.5,"body":"mindset of like, Oh, my God,"},{"speaker":"Will Owens","startTime":3138.68,"endTime":3141.5,"body":"like the bank isn't offer me"},{"speaker":"Will Owens","startTime":3141.5,"endTime":3143.39,"body":"anything. But this guy's"},{"speaker":"Will Owens","startTime":3141.5,"endTime":3143.39,"body":"offering me way more. And it's"},{"speaker":"Will Owens","startTime":3143.39,"endTime":3150.65,"body":"like, I try to get people to you"},{"speaker":"Will Owens","startTime":3143.39,"endTime":3150.65,"body":"know, learn the mindset read the"},{"speaker":"Will Owens","startTime":3150.65,"endTime":3152.99,"body":"right thing like how you say"},{"speaker":"Will Owens","startTime":3150.65,"endTime":3152.99,"body":"you're doing what your children,"},{"speaker":"Will Owens","startTime":3152.99,"endTime":3155.63,"body":"right, you know, you're doing"},{"speaker":"Will Owens","startTime":3152.99,"endTime":3155.63,"body":"what your n has your spouse,"},{"speaker":"Will Owens","startTime":3155.63,"endTime":3159.5,"body":"like everything, and then"},{"speaker":"Will Owens","startTime":3155.63,"endTime":3159.5,"body":"putting it into action, right?"},{"speaker":"Will Owens","startTime":3159.53,"endTime":3163.91,"body":"actionable steps, do this talk"},{"speaker":"Will Owens","startTime":3159.53,"endTime":3163.91,"body":"to this person, right? I have"},{"speaker":"Will Owens","startTime":3163.91,"endTime":3168.53,"body":"resources and connections that I"},{"speaker":"Will Owens","startTime":3163.91,"endTime":3168.53,"body":"put in my course. Um, so like,"},{"speaker":"Will Owens","startTime":3168.53,"endTime":3171.17,"body":"when I'm telling people why you"},{"speaker":"Will Owens","startTime":3168.53,"endTime":3171.17,"body":"should invest in an accountant,"},{"speaker":"Will Owens","startTime":3171.38,"endTime":3175.31,"body":"why you should start up an LLC,"},{"speaker":"Will Owens","startTime":3171.38,"endTime":3175.31,"body":"right, the tax advantages,"},{"speaker":"Will Owens","startTime":3175.46,"endTime":3179.03,"body":"right? You should you know, have"},{"speaker":"Will Owens","startTime":3175.46,"endTime":3179.03,"body":"a lawyer on your team, you know,"},{"speaker":"Will Owens","startTime":3179.42,"endTime":3182.72,"body":"you know, real estate, why not"},{"speaker":"Will Owens","startTime":3179.42,"endTime":3182.72,"body":"invest in that? Why don't invest"},{"speaker":"Will Owens","startTime":3182.72,"endTime":3187.07,"body":"in your 401k or Roth IRA? Or is"},{"speaker":"Will Owens","startTime":3182.72,"endTime":3187.07,"body":"it better to do a Roth IRA or"},{"speaker":"Will Owens","startTime":3187.07,"endTime":3189.59,"body":"traditional IRA, like, I've"},{"speaker":"Will Owens","startTime":3187.07,"endTime":3189.59,"body":"learned all these things,"},{"speaker":"Will Owens","startTime":3189.59,"endTime":3193.64,"body":"because I got licensed in that"},{"speaker":"Will Owens","startTime":3189.59,"endTime":3193.64,"body":"realm. Because my financial"},{"speaker":"Will Owens","startTime":3193.64,"endTime":3195.98,"body":"advisor when I was engineer"},{"speaker":"Will Owens","startTime":3193.64,"endTime":3195.98,"body":"working with vertigo, was"},{"speaker":"Will Owens","startTime":3195.98,"endTime":3200.78,"body":"actually taking advantage of me."},{"speaker":"Will Owens","startTime":3195.98,"endTime":3200.78,"body":"Now, I did not know this, I did"},{"speaker":"Will Owens","startTime":3200.78,"endTime":3203.57,"body":"not know that he was taking"},{"speaker":"Will Owens","startTime":3200.78,"endTime":3203.57,"body":"advantage of me and I'm getting"},{"speaker":"Will Owens","startTime":3203.57,"endTime":3207.35,"body":"hit with all these charges, no"},{"speaker":"Will Owens","startTime":3203.57,"endTime":3207.35,"body":"growth in my account. And when"},{"speaker":"Will Owens","startTime":3207.38,"endTime":3210.95,"body":"my mentor actually pointed out"},{"speaker":"Will Owens","startTime":3207.38,"endTime":3210.95,"body":"to me, I was like, he's like,"},{"speaker":"Will Owens","startTime":3210.95,"endTime":3212.87,"body":"what are you gonna do about it?"},{"speaker":"Will Owens","startTime":3210.95,"endTime":3212.87,"body":"I was like, I'm gonna tell"},{"speaker":"Will Owens","startTime":3212.87,"endTime":3216.23,"body":"everybody he was great, great"},{"speaker":"Will Owens","startTime":3212.87,"endTime":3216.23,"body":"idea. Great idea. Tell"},{"speaker":"Will Owens","startTime":3216.23,"endTime":3219.38,"body":"everybody. But before you do,"},{"speaker":"Will Owens","startTime":3216.23,"endTime":3219.38,"body":"make sure you start a business"},{"speaker":"Will Owens","startTime":3219.44,"endTime":3221.96,"body":"and then tell everybody and"},{"speaker":"Will Owens","startTime":3219.44,"endTime":3221.96,"body":"charge them for this. And I was"},{"speaker":"Will Owens","startTime":3221.96,"endTime":3227.12,"body":"like, oh, okay, I can do that."},{"speaker":"Will Owens","startTime":3221.96,"endTime":3227.12,"body":"And so that's that, like,"},{"speaker":"Will Owens","startTime":3227.12,"endTime":3229.31,"body":"literally, that's how I really"},{"speaker":"Will Owens","startTime":3227.12,"endTime":3229.31,"body":"started and then"},{"speaker":"Average Joe Finances","startTime":3229.73,"endTime":3232.34,"body":"Ok, right"},{"speaker":"Average Joe Finances","startTime":3229.73,"endTime":3232.34,"body":"on. Well, so speaking of your"},{"speaker":"Average Joe Finances","startTime":3232.34,"endTime":3235.79,"body":"business and your E book and"},{"speaker":"Average Joe Finances","startTime":3232.34,"endTime":3235.79,"body":"everything, because you'd"},{"speaker":"Average Joe Finances","startTime":3235.79,"endTime":3238.64,"body":"mentioned that you know, you'd"},{"speaker":"Average Joe Finances","startTime":3235.79,"endTime":3238.64,"body":"be happy to share that with"},{"speaker":"Average Joe Finances","startTime":3238.64,"endTime":3242.45,"body":"others. I think this is probably"},{"speaker":"Average Joe Finances","startTime":3238.64,"endTime":3242.45,"body":"the most important question I'm"},{"speaker":"Average Joe Finances","startTime":3242.45,"endTime":3245.24,"body":"going to ask you then because"},{"speaker":"Average Joe Finances","startTime":3242.45,"endTime":3245.24,"body":"people listen to this episode"},{"speaker":"Average Joe Finances","startTime":3245.24,"endTime":3248.42,"body":"probably want to learn a little"},{"speaker":"Average Joe Finances","startTime":3245.24,"endTime":3248.42,"body":"bit more about you and and your"},{"speaker":"Average Joe Finances","startTime":3248.42,"endTime":3252.23,"body":"story and just know more like"},{"speaker":"Average Joe Finances","startTime":3248.42,"endTime":3252.23,"body":"Hey, who is Will Owens and"},{"speaker":"Average Joe Finances","startTime":3252.47,"endTime":3256.4,"body":"besides what I listened to on"},{"speaker":"Average Joe Finances","startTime":3252.47,"endTime":3256.4,"body":"this episode today, so where can"},{"speaker":"Average Joe Finances","startTime":3256.4,"endTime":3258.59,"body":"people find this information"},{"speaker":"Average Joe Finances","startTime":3256.4,"endTime":3258.59,"body":"about you? Do you have like"},{"speaker":"Average Joe Finances","startTime":3258.83,"endTime":3263.03,"body":"website,a social media, and you"},{"speaker":"Average Joe Finances","startTime":3258.83,"endTime":3263.03,"body":"know anything like that?"},{"speaker":"Will Owens","startTime":3263.03,"endTime":3267.17,"body":"Oh, yeah. Um, so for"},{"speaker":"Will Owens","startTime":3263.03,"endTime":3267.17,"body":"the website, it is the mind"},{"speaker":"Will Owens","startTime":3267.2,"endTime":3273.53,"body":"creates so t h e m i n d c r e a"},{"speaker":"Will Owens","startTime":3267.2,"endTime":3273.53,"body":"t e s .com. So"},{"speaker":"Will Owens","startTime":3273.53,"endTime":3277.22,"body":"themindcreates.com and the email"},{"speaker":"Will Owens","startTime":3273.53,"endTime":3277.22,"body":"that people you know, if they"},{"speaker":"Will Owens","startTime":3277.22,"endTime":3280.94,"body":"ever want to reach out to me"},{"speaker":"Will Owens","startTime":3277.22,"endTime":3280.94,"body":"it's info at the mind creates"},{"speaker":"Will Owens","startTime":3280.97,"endTime":3285.11,"body":"calm. And then when it comes to"},{"speaker":"Will Owens","startTime":3280.97,"endTime":3285.11,"body":"like, the social media, right,"},{"speaker":"Will Owens","startTime":3285.11,"endTime":3289.25,"body":"I'll give you my personal page."},{"speaker":"Will Owens","startTime":3285.11,"endTime":3289.25,"body":"So instagram.com and then"},{"speaker":"Will Owens","startTime":3289.4,"endTime":3292.88,"body":"Will_Owens will underscore all"},{"speaker":"Will Owens","startTime":3289.4,"endTime":3292.88,"body":"and so if you want to look for"},{"speaker":"Will Owens","startTime":3292.88,"endTime":3297.77,"body":"me on Instagram, um, and you"},{"speaker":"Will Owens","startTime":3292.88,"endTime":3297.77,"body":"know, you found me, you found me"},{"speaker":"Will Owens","startTime":3297.8,"endTime":3300.65,"body":"and we got connected, right, and"},{"speaker":"Will Owens","startTime":3297.8,"endTime":3300.65,"body":"it's an You know, I was just"},{"speaker":"Will Owens","startTime":3300.65,"endTime":3302.57,"body":"looking through your page and"},{"speaker":"Will Owens","startTime":3300.65,"endTime":3302.57,"body":"I'm just like, wow, you know,"},{"speaker":"Will Owens","startTime":3302.6,"endTime":3306.62,"body":"great stuff and I'm so proud of"},{"speaker":"Will Owens","startTime":3302.6,"endTime":3306.62,"body":"you to be so many episodes and,"},{"speaker":"Will Owens","startTime":3306.71,"endTime":3310.82,"body":"and just just quality, I really"},{"speaker":"Will Owens","startTime":3306.71,"endTime":3310.82,"body":"want to congratulate you on your"},{"speaker":"Will Owens","startTime":3310.82,"endTime":3313.94,"body":"success and, you know, keep"},{"speaker":"Will Owens","startTime":3310.82,"endTime":3313.94,"body":"rooting for you to have more and"},{"speaker":"Will Owens","startTime":3313.94,"endTime":3314.3,"body":"more."},{"speaker":"Average Joe Finances","startTime":3314.36,"endTime":3316.19,"body":"Yeah,"},{"speaker":"Average Joe Finances","startTime":3314.36,"endTime":3316.19,"body":"thank you so much, man. It's"},{"speaker":"Average Joe Finances","startTime":3316.19,"endTime":3320.12,"body":"It's definitely been a wild"},{"speaker":"Average Joe Finances","startTime":3316.19,"endTime":3320.12,"body":"ride, but it's been fun. And I"},{"speaker":"Average Joe Finances","startTime":3320.12,"endTime":3323.63,"body":"think one of the things that I"},{"speaker":"Average Joe Finances","startTime":3320.12,"endTime":3323.63,"body":"talked about this with with a"},{"speaker":"Average Joe Finances","startTime":3323.63,"endTime":3327.08,"body":"few of my guests is just that"},{"speaker":"Average Joe Finances","startTime":3323.63,"endTime":3327.08,"body":"it's kind of like a selfish"},{"speaker":"Average Joe Finances","startTime":3327.08,"endTime":3332.3,"body":"thing, but I really enjoy the"},{"speaker":"Average Joe Finances","startTime":3327.08,"endTime":3332.3,"body":"podcast because I get to talk to"},{"speaker":"Average Joe Finances","startTime":3332.3,"endTime":3337.25,"body":"people like you, you know, pick"},{"speaker":"Average Joe Finances","startTime":3332.3,"endTime":3337.25,"body":"your brains learn from you. And"},{"speaker":"Average Joe Finances","startTime":3337.61,"endTime":3341.63,"body":"you know, and of course write"},{"speaker":"Average Joe Finances","startTime":3337.61,"endTime":3341.63,"body":"all these great notes down my"},{"speaker":"Average Joe Finances","startTime":3341.63,"endTime":3347.09,"body":"little black book of I guess"},{"speaker":"Average Joe Finances","startTime":3341.63,"endTime":3347.09,"body":"this is my podcast brain right"},{"speaker":"Average Joe Finances","startTime":3347.12,"endTime":3349.79,"body":"there everything that I learned"},{"speaker":"Average Joe Finances","startTime":3347.12,"endTime":3349.79,"body":"when I'm sitting here talking to"},{"speaker":"Average Joe Finances","startTime":3349.79,"endTime":3354.23,"body":"you guys and just learning some"},{"speaker":"Average Joe Finances","startTime":3349.79,"endTime":3354.23,"body":"really great stuff. I am making"},{"speaker":"Average Joe Finances","startTime":3354.23,"endTime":3356.96,"body":"wonderful connections to Yeah,"},{"speaker":"Average Joe Finances","startTime":3354.23,"endTime":3356.96,"body":"yeah, yeah. and building a"},{"speaker":"Average Joe Finances","startTime":3356.96,"endTime":3358.97,"body":"building my network and its"},{"speaker":"Will Owens","startTime":3359.8,"endTime":3362.26,"body":"net worth being"},{"speaker":"Will Owens","startTime":3359.8,"endTime":3362.26,"body":"increased or you know who to"},{"speaker":"Will Owens","startTime":3362.26,"endTime":3364.42,"body":"contact whenever you need"},{"speaker":"Will Owens","startTime":3362.26,"endTime":3364.42,"body":"something it's powerful"},{"speaker":"Average Joe Finances","startTime":3365.08,"endTime":3368.47,"body":"Absolutely."},{"speaker":"Average Joe Finances","startTime":3365.08,"endTime":3368.47,"body":"Yeah. So hey, will this is this"},{"speaker":"Average Joe Finances","startTime":3368.47,"endTime":3373.0,"body":"has really been awesome. I"},{"speaker":"Average Joe Finances","startTime":3368.47,"endTime":3373.0,"body":"genuinely appreciate you taking"},{"speaker":"Average Joe Finances","startTime":3373.0,"endTime":3376.3,"body":"some time to talk with me today"},{"speaker":"Average Joe Finances","startTime":3373.0,"endTime":3376.3,"body":"and share your story with our"},{"speaker":"Average Joe Finances","startTime":3376.3,"endTime":3376.9,"body":"audience."},{"speaker":"Will Owens","startTime":3377.26,"endTime":3380.11,"body":"I had the pleasure"},{"speaker":"Will Owens","startTime":3377.26,"endTime":3380.11,"body":"is all mine. I'm super happy"},{"speaker":"Will Owens","startTime":3380.11,"endTime":3385.06,"body":"that you consider me as a guest"},{"speaker":"Will Owens","startTime":3380.11,"endTime":3385.06,"body":"and man, may this episode be"},{"speaker":"Will Owens","startTime":3385.06,"endTime":3388.03,"body":"super fruitful. Thank you so"},{"speaker":"Will Owens","startTime":3385.06,"endTime":3388.03,"body":"much. Fantastic."},{"speaker":"Average Joe Finances","startTime":3388.03,"endTime":3388.51,"body":"Thank you."},{"speaker":"Average Joe Finances","startTime":3389.92,"endTime":3393.4,"body":"Thanks for listening to the"},{"speaker":"Average Joe Finances","startTime":3389.92,"endTime":3393.4,"body":"Average Joe Finances podcast."},{"speaker":"Average Joe Finances","startTime":3393.61,"endTime":3397.87,"body":"Your source for beating debt,"},{"speaker":"Average Joe Finances","startTime":3393.61,"endTime":3397.87,"body":"saving money and investing."},{"speaker":"Average Joe Finances","startTime":3397.9,"endTime":3404.02,"body":"Learn more at"},{"speaker":"Average Joe Finances","startTime":3397.9,"endTime":3404.02,"body":"AverageJoefinances.com. The"},{"speaker":"Average Joe Finances","startTime":3404.02,"endTime":3407.47,"body":"Average Joe Finances podcast is"},{"speaker":"Average Joe Finances","startTime":3404.02,"endTime":3407.47,"body":"for informational and"},{"speaker":"Average Joe Finances","startTime":3407.47,"endTime":3412.3,"body":"entertainment purposes only. Do"},{"speaker":"Average Joe Finances","startTime":3407.47,"endTime":3412.3,"body":"not use this for any real estate"},{"speaker":"Average Joe Finances","startTime":3412.33,"endTime":3414.34,"body":"for investment making decisions."}]}