{"version":"1.0.0","segments":[{"speaker":"Average Joe Finances","startTime":0.39,"endTime":3.57,"body":"This is"},{"speaker":"Average Joe Finances","startTime":0.39,"endTime":3.57,"body":"Average Joe Finances podcast,"},{"speaker":"Average Joe Finances","startTime":3.6,"endTime":8.1,"body":"Episode 59. If you're watching"},{"speaker":"Average Joe Finances","startTime":3.6,"endTime":8.1,"body":"this on YouTube, make sure you"},{"speaker":"Average Joe Finances","startTime":8.1,"endTime":11.49,"body":"smash that like button and click"},{"speaker":"Average Joe Finances","startTime":8.1,"endTime":11.49,"body":"subscribe. For those of you"},{"speaker":"Average Joe Finances","startTime":11.49,"endTime":15.15,"body":"listening on a podcast platform,"},{"speaker":"Average Joe Finances","startTime":11.49,"endTime":15.15,"body":"be sure to subscribe on whatever"},{"speaker":"Average Joe Finances","startTime":15.15,"endTime":18.81,"body":"platform that is, and leave us a"},{"speaker":"Average Joe Finances","startTime":15.15,"endTime":18.81,"body":"rating if you can. The more"},{"speaker":"Average Joe Finances","startTime":18.81,"endTime":21.78,"body":"likes ratings and subscriptions"},{"speaker":"Average Joe Finances","startTime":18.81,"endTime":21.78,"body":"that we get, the more we can"},{"speaker":"Average Joe Finances","startTime":21.78,"endTime":25.32,"body":"spread the message and grow our"},{"speaker":"Average Joe Finances","startTime":21.78,"endTime":25.32,"body":"community. So we also have a"},{"speaker":"Average Joe Finances","startTime":25.32,"endTime":28.95,"body":"free Facebook group. It's called"},{"speaker":"Average Joe Finances","startTime":25.32,"endTime":28.95,"body":"the Average Joe Finances"},{"speaker":"Average Joe Finances","startTime":28.95,"endTime":32.61,"body":"network. Check us out, join the"},{"speaker":"Average Joe Finances","startTime":28.95,"endTime":32.61,"body":"group, join the community, ask"},{"speaker":"Average Joe Finances","startTime":32.61,"endTime":36.18,"body":"questions, and become a part of"},{"speaker":"Average Joe Finances","startTime":32.61,"endTime":36.18,"body":"the team. All of our other"},{"speaker":"Average Joe Finances","startTime":36.18,"endTime":39.27,"body":"social media accounts are listed"},{"speaker":"Average Joe Finances","startTime":36.18,"endTime":39.27,"body":"in our flow page. And we have"},{"speaker":"Average Joe Finances","startTime":39.27,"endTime":42.54,"body":"them in the video or podcast"},{"speaker":"Average Joe Finances","startTime":39.27,"endTime":42.54,"body":"description below."},{"speaker":"Brendan Lee Young","startTime":42.6,"endTime":45.54,"body":"Don't"},{"speaker":"Brendan Lee Young","startTime":42.6,"endTime":45.54,"body":"speculate. Stick to investment"},{"speaker":"Brendan Lee Young","startTime":45.54,"endTime":48.96,"body":"plan. If you are going to"},{"speaker":"Brendan Lee Young","startTime":45.54,"endTime":48.96,"body":"speculate do it with money you"},{"speaker":"Brendan Lee Young","startTime":48.96,"endTime":52.14,"body":"can afford to lose And better"},{"speaker":"Brendan Lee Young","startTime":48.96,"endTime":52.14,"body":"yet it shouldn't be money that"},{"speaker":"Brendan Lee Young","startTime":52.26,"endTime":55.08,"body":"was part of your your your"},{"speaker":"Brendan Lee Young","startTime":52.26,"endTime":55.08,"body":"contributions."},{"speaker":"Average Joe Finances","startTime":56.71,"endTime":59.26,"body":"Welcome to"},{"speaker":"Average Joe Finances","startTime":56.71,"endTime":59.26,"body":"the Average Joe Finances"},{"speaker":"Average Joe Finances","startTime":59.26,"endTime":63.79,"body":"podcast. Are you trying to get"},{"speaker":"Average Joe Finances","startTime":59.26,"endTime":63.79,"body":"out of debt, invest or just not"},{"speaker":"Average Joe Finances","startTime":63.79,"endTime":66.97,"body":"sure where to start? Then this"},{"speaker":"Average Joe Finances","startTime":63.79,"endTime":66.97,"body":"is the place for you. We"},{"speaker":"Average Joe Finances","startTime":66.97,"endTime":70.24,"body":"discussed different ways to get"},{"speaker":"Average Joe Finances","startTime":66.97,"endTime":70.24,"body":"out of the rat race and build"},{"speaker":"Average Joe Finances","startTime":70.24,"endTime":74.59,"body":"your wealth. Join us on this"},{"speaker":"Average Joe Finances","startTime":70.24,"endTime":74.59,"body":"wild ride to financial freedom."},{"speaker":"Average Joe Finances","startTime":76.54,"endTime":77.71,"body":"Hey, how's it going, everybody?"},{"speaker":"Average Joe Finances","startTime":77.71,"endTime":81.16,"body":"So today's guest is Brandon Lee"},{"speaker":"Average Joe Finances","startTime":77.71,"endTime":81.16,"body":"Young, and he's the co founder"},{"speaker":"Average Joe Finances","startTime":81.16,"endTime":84.22,"body":"of passive, a portfolio"},{"speaker":"Average Joe Finances","startTime":81.16,"endTime":84.22,"body":"management tool that's designed"},{"speaker":"Average Joe Finances","startTime":84.22,"endTime":87.28,"body":"to help self directed investors"},{"speaker":"Average Joe Finances","startTime":84.22,"endTime":87.28,"body":"manage and grow their wealth."},{"speaker":"Average Joe Finances","startTime":87.73,"endTime":90.85,"body":"Users can build their own"},{"speaker":"Average Joe Finances","startTime":87.73,"endTime":90.85,"body":"personalized indexes, Robo"},{"speaker":"Average Joe Finances","startTime":90.85,"endTime":94.57,"body":"advisory services and that be"},{"speaker":"Average Joe Finances","startTime":90.85,"endTime":94.57,"body":"their households. Asset Manager"},{"speaker":"Average Joe Finances","startTime":94.69,"endTime":98.35,"body":"passive manages over 20,000"},{"speaker":"Average Joe Finances","startTime":94.69,"endTime":98.35,"body":"accounts on their platform. And"},{"speaker":"Average Joe Finances","startTime":98.35,"endTime":102.46,"body":"it's helping people manage over"},{"speaker":"Average Joe Finances","startTime":98.35,"endTime":102.46,"body":"$1 billion in assets. Background"},{"speaker":"Average Joe Finances","startTime":102.46,"endTime":105.85,"body":"wise Brandon is originally from"},{"speaker":"Average Joe Finances","startTime":102.46,"endTime":105.85,"body":"Trinidad and Tobago, a small"},{"speaker":"Average Joe Finances","startTime":105.85,"endTime":109.57,"body":"twin island in the Caribbean. He"},{"speaker":"Average Joe Finances","startTime":105.85,"endTime":109.57,"body":"migrated to Canada with the goal"},{"speaker":"Average Joe Finances","startTime":109.57,"endTime":112.99,"body":"of becoming an entrepreneur. He"},{"speaker":"Average Joe Finances","startTime":109.57,"endTime":112.99,"body":"worked in tech for a few years"},{"speaker":"Average Joe Finances","startTime":112.99,"endTime":115.99,"body":"to learn how large tech"},{"speaker":"Average Joe Finances","startTime":112.99,"endTime":115.99,"body":"organizations were run. His"},{"speaker":"Average Joe Finances","startTime":115.99,"endTime":118.81,"body":"interest in entrepreneurship"},{"speaker":"Average Joe Finances","startTime":115.99,"endTime":118.81,"body":"stemmed from being passionate"},{"speaker":"Average Joe Finances","startTime":119.08,"endTime":121.78,"body":"about attaining financial"},{"speaker":"Average Joe Finances","startTime":119.08,"endTime":121.78,"body":"independence. And this is what"},{"speaker":"Average Joe Finances","startTime":121.78,"endTime":126.58,"body":"led him to founding a fin tech"},{"speaker":"Average Joe Finances","startTime":121.78,"endTime":126.58,"body":"company. So as you may all know,"},{"speaker":"Average Joe Finances","startTime":126.58,"endTime":129.43,"body":"I've interviewed somebody else"},{"speaker":"Average Joe Finances","startTime":126.58,"endTime":129.43,"body":"from passive Nick McCollum in"},{"speaker":"Average Joe Finances","startTime":129.43,"endTime":132.7,"body":"the past and it was an awesome"},{"speaker":"Average Joe Finances","startTime":129.43,"endTime":132.7,"body":"interview. I'm really excited to"},{"speaker":"Average Joe Finances","startTime":132.7,"endTime":135.7,"body":"talk with one of the co founders"},{"speaker":"Average Joe Finances","startTime":132.7,"endTime":135.7,"body":"of this company, and dig a"},{"speaker":"Average Joe Finances","startTime":135.7,"endTime":138.73,"body":"little more into the to the"},{"speaker":"Average Joe Finances","startTime":135.7,"endTime":138.73,"body":"weeds. So, Brandon, welcome to"},{"speaker":"Average Joe Finances","startTime":138.73,"endTime":139.96,"body":"the show. I'm excited to have"},{"speaker":"Average Joe Finances","startTime":138.73,"endTime":139.96,"body":"you."},{"speaker":"Brendan Lee Young","startTime":140.38,"endTime":142.33,"body":"Hey, thanks"},{"speaker":"Brendan Lee Young","startTime":140.38,"endTime":142.33,"body":"so much for having me on, Mike,"},{"speaker":"Brendan Lee Young","startTime":142.33,"endTime":144.34,"body":"really looking forward to"},{"speaker":"Brendan Lee Young","startTime":142.33,"endTime":144.34,"body":"chatting with you and your"},{"speaker":"Brendan Lee Young","startTime":144.34,"endTime":147.82,"body":"audience and, you know, rapping"},{"speaker":"Brendan Lee Young","startTime":144.34,"endTime":147.82,"body":"about whatever we got to rap"},{"speaker":"Brendan Lee Young","startTime":147.82,"endTime":149.77,"body":"about today. Alright, sounds"},{"speaker":"Brendan Lee Young","startTime":147.82,"endTime":149.77,"body":"good."},{"speaker":"Average Joe Finances","startTime":149.89,"endTime":151.51,"body":"I'm not"},{"speaker":"Average Joe Finances","startTime":149.89,"endTime":151.51,"body":"the best rapper. But you know,"},{"speaker":"Average Joe Finances","startTime":151.51,"endTime":153.37,"body":"I'll give it a try. I might be"},{"speaker":"Average Joe Finances","startTime":151.51,"endTime":153.37,"body":"able to give you a beat, like a"},{"speaker":"Average Joe Finances","startTime":153.37,"endTime":157.93,"body":"boombox a little bit, you know?"},{"speaker":"Average Joe Finances","startTime":153.37,"endTime":157.93,"body":"But we'll save that for another"},{"speaker":"Average Joe Finances","startTime":157.93,"endTime":162.31,"body":"time. But hey, can you tell us a"},{"speaker":"Average Joe Finances","startTime":157.93,"endTime":162.31,"body":"little bit more about yourself?"},{"speaker":"Average Joe Finances","startTime":162.31,"endTime":164.95,"body":"Like, besides the background"},{"speaker":"Average Joe Finances","startTime":162.31,"endTime":164.95,"body":"that I just gave on you, can you"},{"speaker":"Average Joe Finances","startTime":165.01,"endTime":166.21,"body":"you know, share your story?"},{"speaker":"Brendan Lee Young","startTime":166.27,"endTime":172.27,"body":"Yeah, so I"},{"speaker":"Brendan Lee Young","startTime":166.27,"endTime":172.27,"body":"guess my story began, like, like"},{"speaker":"Brendan Lee Young","startTime":172.27,"endTime":177.64,"body":"years ago, ensure that so I, I"},{"speaker":"Brendan Lee Young","startTime":172.27,"endTime":177.64,"body":"always wanted to basically live"},{"speaker":"Brendan Lee Young","startTime":177.64,"endTime":183.82,"body":"abroad, my idea was like, buy a"},{"speaker":"Brendan Lee Young","startTime":177.64,"endTime":183.82,"body":"house in North America, and then"},{"speaker":"Brendan Lee Young","startTime":183.82,"endTime":188.29,"body":"rent it out and live off of the"},{"speaker":"Brendan Lee Young","startTime":183.82,"endTime":188.29,"body":"money that I'm getting paid back"},{"speaker":"Brendan Lee Young","startTime":188.29,"endTime":191.32,"body":"in the Caribbean because of"},{"speaker":"Brendan Lee Young","startTime":188.29,"endTime":191.32,"body":"basically doing geo arbitrage."},{"speaker":"Brendan Lee Young","startTime":191.32,"endTime":194.65,"body":"And because of the exchange"},{"speaker":"Brendan Lee Young","startTime":191.32,"endTime":194.65,"body":"rates. And so that was like sort"},{"speaker":"Brendan Lee Young","startTime":194.65,"endTime":198.46,"body":"of my plan, I'd work in tech,"},{"speaker":"Brendan Lee Young","startTime":194.65,"endTime":198.46,"body":"get a nice cushy job, buy maybe"},{"speaker":"Brendan Lee Young","startTime":198.46,"endTime":202.18,"body":"an apartment building, and then,"},{"speaker":"Brendan Lee Young","startTime":198.46,"endTime":202.18,"body":"you know, rent it out and, and"},{"speaker":"Brendan Lee Young","startTime":202.18,"endTime":206.86,"body":"make and live off of the rental"},{"speaker":"Brendan Lee Young","startTime":202.18,"endTime":206.86,"body":"fees minus whatever, I beat a"},{"speaker":"Brendan Lee Young","startTime":206.86,"endTime":213.91,"body":"property manager. that's easier"},{"speaker":"Brendan Lee Young","startTime":206.86,"endTime":213.91,"body":"said than done. So anyway,"},{"speaker":"Brendan Lee Young","startTime":213.91,"endTime":218.47,"body":"that's sort of like, what got me"},{"speaker":"Brendan Lee Young","startTime":213.91,"endTime":218.47,"body":"into like, investing because I"},{"speaker":"Brendan Lee Young","startTime":218.47,"endTime":223.09,"body":"realized that I could, I could"},{"speaker":"Brendan Lee Young","startTime":218.47,"endTime":223.09,"body":"also just buy stocks and live"},{"speaker":"Brendan Lee Young","startTime":223.09,"endTime":228.73,"body":"off the dividend payments. And"},{"speaker":"Brendan Lee Young","startTime":223.09,"endTime":228.73,"body":"so that rabbit hole got me"},{"speaker":"Brendan Lee Young","startTime":228.73,"endTime":233.65,"body":"interested into fire, because"},{"speaker":"Brendan Lee Young","startTime":228.73,"endTime":233.65,"body":"basically, you know, that's sort"},{"speaker":"Brendan Lee Young","startTime":233.65,"endTime":236.53,"body":"of what the movement does,"},{"speaker":"Brendan Lee Young","startTime":233.65,"endTime":236.53,"body":"right? You You live off of you"},{"speaker":"Brendan Lee Young","startTime":236.53,"endTime":239.47,"body":"live off a dividend payments,"},{"speaker":"Brendan Lee Young","startTime":236.53,"endTime":239.47,"body":"you save a big cushy nest egg,"},{"speaker":"Brendan Lee Young","startTime":239.47,"endTime":243.79,"body":"and you sort of just enjoy life."},{"speaker":"Brendan Lee Young","startTime":239.47,"endTime":243.79,"body":"And so yeah, that's sort of like"},{"speaker":"Brendan Lee Young","startTime":243.79,"endTime":250.0,"body":"how I got into DIY investing."},{"speaker":"Brendan Lee Young","startTime":243.79,"endTime":250.0,"body":"Um, no, so funny stories, like"},{"speaker":"Brendan Lee Young","startTime":250.0,"endTime":253.3,"body":"so. So at university, there was"},{"speaker":"Brendan Lee Young","startTime":250.0,"endTime":253.3,"body":"this course called value"},{"speaker":"Brendan Lee Young","startTime":253.3,"endTime":256.48,"body":"investing. And so I thought that"},{"speaker":"Brendan Lee Young","startTime":253.3,"endTime":256.48,"body":"maybe not only could I find"},{"speaker":"Brendan Lee Young","startTime":256.48,"endTime":260.74,"body":"dividend stocks, but undervalued"},{"speaker":"Brendan Lee Young","startTime":256.48,"endTime":260.74,"body":"stocks that would appreciate. It"},{"speaker":"Brendan Lee Young","startTime":260.74,"endTime":264.19,"body":"turned out the data was also"},{"speaker":"Brendan Lee Young","startTime":260.74,"endTime":264.19,"body":"easier said than done, because"},{"speaker":"Brendan Lee Young","startTime":264.19,"endTime":267.67,"body":"you got to spend a lot of time"},{"speaker":"Brendan Lee Young","startTime":264.19,"endTime":267.67,"body":"doing fundamental analysis on"},{"speaker":"Brendan Lee Young","startTime":267.67,"endTime":271.27,"body":"companies and it it's basically"},{"speaker":"Brendan Lee Young","startTime":267.67,"endTime":271.27,"body":"a full time job finding"},{"speaker":"Brendan Lee Young","startTime":271.27,"endTime":274.3,"body":"undervalued companies, and not"},{"speaker":"Brendan Lee Young","startTime":271.27,"endTime":274.3,"body":"only are you spending time doing"},{"speaker":"Brendan Lee Young","startTime":274.3,"endTime":277.93,"body":"the research, but you're using"},{"speaker":"Brendan Lee Young","startTime":274.3,"endTime":277.93,"body":"models and spreadsheets that"},{"speaker":"Brendan Lee Young","startTime":277.93,"endTime":281.71,"body":"you've got to tweak and up to"},{"speaker":"Brendan Lee Young","startTime":277.93,"endTime":281.71,"body":"keep keep up to date. And it"},{"speaker":"Brendan Lee Young","startTime":281.71,"endTime":286.06,"body":"just, it just wasn't for me in"},{"speaker":"Brendan Lee Young","startTime":281.71,"endTime":286.06,"body":"the end. So when I graduated, I"},{"speaker":"Brendan Lee Young","startTime":286.06,"endTime":291.91,"body":"just worked in tech and followed"},{"speaker":"Brendan Lee Young","startTime":286.06,"endTime":291.91,"body":"a simple index, a tree fund"},{"speaker":"Brendan Lee Young","startTime":291.91,"endTime":296.98,"body":"index portfolio, and, you know,"},{"speaker":"Brendan Lee Young","startTime":291.91,"endTime":296.98,"body":"I basically use that but even"},{"speaker":"Brendan Lee Young","startTime":296.98,"endTime":300.91,"body":"then that became really"},{"speaker":"Brendan Lee Young","startTime":296.98,"endTime":300.91,"body":"problematic because The fact"},{"speaker":"Brendan Lee Young","startTime":300.91,"endTime":304.39,"body":"that I had to use the same"},{"speaker":"Brendan Lee Young","startTime":300.91,"endTime":304.39,"body":"spreadsheets again and although"},{"speaker":"Brendan Lee Young","startTime":304.42,"endTime":308.14,"body":"to a lesser extent it's still"},{"speaker":"Brendan Lee Young","startTime":304.42,"endTime":308.14,"body":"meant that I had to keep my"},{"speaker":"Brendan Lee Young","startTime":308.14,"endTime":311.89,"body":"spreadsheet up to date hide from"},{"speaker":"Brendan Lee Young","startTime":308.14,"endTime":311.89,"body":"my boss on a Friday afternoon to"},{"speaker":"Brendan Lee Young","startTime":311.89,"endTime":314.68,"body":"place trades at my brokerage"},{"speaker":"Brendan Lee Young","startTime":311.89,"endTime":314.68,"body":"just the just the balance is"},{"speaker":"Brendan Lee Young","startTime":314.68,"endTime":319.96,"body":"simple tree fund eats ETF"},{"speaker":"Brendan Lee Young","startTime":314.68,"endTime":319.96,"body":"portfolio and so I'm not sort of"},{"speaker":"Brendan Lee Young","startTime":320.02,"endTime":326.83,"body":"sad to say it bluntly. That that"},{"speaker":"Brendan Lee Young","startTime":320.02,"endTime":326.83,"body":"that's what really led us to"},{"speaker":"Brendan Lee Young","startTime":327.1,"endTime":330.79,"body":"found in passive myself and my"},{"speaker":"Brendan Lee Young","startTime":327.1,"endTime":330.79,"body":"co founder Brendan wood, he also"},{"speaker":"Brendan Lee Young","startTime":330.97,"endTime":334.45,"body":"was doing the same thing. And"},{"speaker":"Brendan Lee Young","startTime":330.97,"endTime":334.45,"body":"him and I were chatting one day,"},{"speaker":"Brendan Lee Young","startTime":334.45,"endTime":337.6,"body":"and we're lamenting about having"},{"speaker":"Brendan Lee Young","startTime":334.45,"endTime":337.6,"body":"this sort of problem. And I'm"},{"speaker":"Brendan Lee Young","startTime":337.6,"endTime":341.5,"body":"not even though I worked in"},{"speaker":"Brendan Lee Young","startTime":337.6,"endTime":341.5,"body":"tech, I'm not a developer, I'm"},{"speaker":"Brendan Lee Young","startTime":341.5,"endTime":345.55,"body":"more worked in customer success."},{"speaker":"Brendan Lee Young","startTime":341.5,"endTime":345.55,"body":"And so when he told me he could"},{"speaker":"Brendan Lee Young","startTime":345.55,"endTime":348.67,"body":"build this thing that would help"},{"speaker":"Brendan Lee Young","startTime":345.55,"endTime":348.67,"body":"us automate our portfolio and in"},{"speaker":"Brendan Lee Young","startTime":348.67,"endTime":352.69,"body":"fact, that sort of got me sort"},{"speaker":"Brendan Lee Young","startTime":348.67,"endTime":352.69,"body":"of like curious and blah, blah,"},{"speaker":"Brendan Lee Young","startTime":352.69,"endTime":355.33,"body":"blah address this issue went on"},{"speaker":"Brendan Lee Young","startTime":352.69,"endTime":355.33,"body":"to found passiv so yeah,"},{"speaker":"Average Joe Finances","startTime":355.66,"endTime":359.71,"body":"alright,"},{"speaker":"Average Joe Finances","startTime":355.66,"endTime":359.71,"body":"so you you immigrated here from"},{"speaker":"Average Joe Finances","startTime":359.74,"endTime":363.79,"body":"the Caribbean, right? And okay,"},{"speaker":"Average Joe Finances","startTime":359.74,"endTime":363.79,"body":"actually, first off is a"},{"speaker":"Average Joe Finances","startTime":363.79,"endTime":370.12,"body":"Caribbean or Caribbean, the"},{"speaker":"Average Joe Finances","startTime":363.79,"endTime":370.12,"body":"islands mine. I live on islands."},{"speaker":"Average Joe Finances","startTime":370.12,"endTime":372.88,"body":"I live on an island right now,"},{"speaker":"Average Joe Finances","startTime":370.12,"endTime":372.88,"body":"too. So yeah,"},{"speaker":"Brendan Lee Young","startTime":373.0,"endTime":375.55,"body":"yeah. Wha"},{"speaker":"Brendan Lee Young","startTime":373.0,"endTime":375.55,"body":"hoo. Oh, no, you can you can say"},{"speaker":"Brendan Lee Young","startTime":375.55,"endTime":381.19,"body":"Caribbean. Caribbean? I never"},{"speaker":"Brendan Lee Young","startTime":375.55,"endTime":381.19,"body":"thought about it. Uh, yeah. I"},{"speaker":"Brendan Lee Young","startTime":381.19,"endTime":383.2,"body":"guess it depends on the accent."},{"speaker":"Brendan Lee Young","startTime":381.19,"endTime":383.2,"body":"But yeah, we just say the"},{"speaker":"Brendan Lee Young","startTime":383.2,"endTime":385.3,"body":"Caribbean. Alright, sounds good."},{"speaker":"Average Joe Finances","startTime":385.57,"endTime":388.63,"body":"Alright,"},{"speaker":"Average Joe Finances","startTime":385.57,"endTime":388.63,"body":"so you immigrated to Canada and"},{"speaker":"Average Joe Finances","startTime":388.66,"endTime":391.33,"body":"your your whole thing is you"},{"speaker":"Average Joe Finances","startTime":388.66,"endTime":391.33,"body":"wanted to be an entrepreneur,"},{"speaker":"Average Joe Finances","startTime":392.2,"endTime":394.96,"body":"and you want to do your own"},{"speaker":"Average Joe Finances","startTime":392.2,"endTime":394.96,"body":"thing. So you started going to"},{"speaker":"Average Joe Finances","startTime":394.96,"endTime":397.0,"body":"school, right? When you went to"},{"speaker":"Average Joe Finances","startTime":394.96,"endTime":397.0,"body":"university, and you were trying"},{"speaker":"Average Joe Finances","startTime":397.0,"endTime":400.36,"body":"to figure out how to do this."},{"speaker":"Average Joe Finances","startTime":397.0,"endTime":400.36,"body":"And the the biggest thing, you"},{"speaker":"Average Joe Finances","startTime":400.36,"endTime":404.26,"body":"notice that the invest in any"},{"speaker":"Average Joe Finances","startTime":400.36,"endTime":404.26,"body":"type of portfolio, it took a lot"},{"speaker":"Average Joe Finances","startTime":404.26,"endTime":407.89,"body":"of research, and that research"},{"speaker":"Average Joe Finances","startTime":404.26,"endTime":407.89,"body":"takes a lot of time, right? And"},{"speaker":"Average Joe Finances","startTime":407.89,"endTime":411.46,"body":"you realize that you didn't just"},{"speaker":"Average Joe Finances","startTime":407.89,"endTime":411.46,"body":"have like this insane amount of"},{"speaker":"Average Joe Finances","startTime":411.46,"endTime":415.69,"body":"time to be able to do this"},{"speaker":"Average Joe Finances","startTime":411.46,"endTime":415.69,"body":"research. So you guys put"},{"speaker":"Average Joe Finances","startTime":415.69,"endTime":419.92,"body":"together this, you know, this"},{"speaker":"Average Joe Finances","startTime":415.69,"endTime":419.92,"body":"website, or this, or this tech"},{"speaker":"Average Joe Finances","startTime":419.92,"endTime":423.64,"body":"company called passive? Right?"},{"speaker":"Average Joe Finances","startTime":419.92,"endTime":423.64,"body":"And from what I understand, from"},{"speaker":"Average Joe Finances","startTime":423.64,"endTime":426.82,"body":"what I know of it from the last"},{"speaker":"Average Joe Finances","startTime":423.64,"endTime":426.82,"body":"time I talked to Nick, you know"},{"speaker":"Average Joe Finances","startTime":426.82,"endTime":430.66,"body":"it, it balances your portfolio"},{"speaker":"Average Joe Finances","startTime":426.82,"endTime":430.66,"body":"for you. So can we can we talk"},{"speaker":"Average Joe Finances","startTime":430.66,"endTime":434.5,"body":"about that a little bit? Like"},{"speaker":"Average Joe Finances","startTime":430.66,"endTime":434.5,"body":"how, how does somebody that is"},{"speaker":"Average Joe Finances","startTime":434.5,"endTime":438.37,"body":"trying to, you know, they're"},{"speaker":"Average Joe Finances","startTime":434.5,"endTime":438.37,"body":"they're a DIY person, and they"},{"speaker":"Average Joe Finances","startTime":438.37,"endTime":441.46,"body":"want to manage their own"},{"speaker":"Average Joe Finances","startTime":438.37,"endTime":441.46,"body":"portfolio? How does this benefit"},{"speaker":"Average Joe Finances","startTime":441.46,"endTime":441.79,"body":"them?"},{"speaker":"Brendan Lee Young","startTime":441.85,"endTime":445.54,"body":"Yeah, so"},{"speaker":"Brendan Lee Young","startTime":441.85,"endTime":445.54,"body":"like, basically, you don't have"},{"speaker":"Brendan Lee Young","startTime":445.54,"endTime":448.87,"body":"to use a spreadsheet, right. So"},{"speaker":"Brendan Lee Young","startTime":445.54,"endTime":448.87,"body":"like, if you're following a"},{"speaker":"Brendan Lee Young","startTime":448.87,"endTime":453.34,"body":"portfolio that consists of"},{"speaker":"Brendan Lee Young","startTime":448.87,"endTime":453.34,"body":"international equities, Canadian"},{"speaker":"Brendan Lee Young","startTime":453.34,"endTime":456.58,"body":"equities and bonds, and you want"},{"speaker":"Brendan Lee Young","startTime":453.34,"endTime":456.58,"body":"to keep it all balanced, then"},{"speaker":"Brendan Lee Young","startTime":456.61,"endTime":460.3,"body":"you you're you're using a"},{"speaker":"Brendan Lee Young","startTime":456.61,"endTime":460.3,"body":"spreadsheet to basically help"},{"speaker":"Brendan Lee Young","startTime":460.3,"endTime":464.77,"body":"you calculate the trades you"},{"speaker":"Brendan Lee Young","startTime":460.3,"endTime":464.77,"body":"need to place based on the money"},{"speaker":"Brendan Lee Young","startTime":464.77,"endTime":467.77,"body":"you're allocating every month."},{"speaker":"Brendan Lee Young","startTime":464.77,"endTime":467.77,"body":"And so like folks in the fire"},{"speaker":"Brendan Lee Young","startTime":467.77,"endTime":471.61,"body":"movement, I'll use them as an"},{"speaker":"Brendan Lee Young","startTime":467.77,"endTime":471.61,"body":"example because like,"},{"speaker":"Brendan Lee Young","startTime":471.76,"endTime":475.15,"body":"presumably, you're, you're"},{"speaker":"Brendan Lee Young","startTime":471.76,"endTime":475.15,"body":"saving as much money as possible"},{"speaker":"Brendan Lee Young","startTime":475.15,"endTime":478.39,"body":"every month. And so every time"},{"speaker":"Brendan Lee Young","startTime":475.15,"endTime":478.39,"body":"you got to allocate cash, what"},{"speaker":"Brendan Lee Young","startTime":478.39,"endTime":480.7,"body":"are you gonna do, you're gonna"},{"speaker":"Brendan Lee Young","startTime":478.39,"endTime":480.7,"body":"have to break open your"},{"speaker":"Brendan Lee Young","startTime":480.7,"endTime":485.02,"body":"spreadsheet and input data to"},{"speaker":"Brendan Lee Young","startTime":480.7,"endTime":485.02,"body":"figure out well, how many trades"},{"speaker":"Brendan Lee Young","startTime":485.02,"endTime":491.08,"body":"of ETF one I need to buy to keep"},{"speaker":"Brendan Lee Young","startTime":485.02,"endTime":491.08,"body":"my portfolio balanced. And so"},{"speaker":"Brendan Lee Young","startTime":492.1,"endTime":495.13,"body":"basically, the benefits of"},{"speaker":"Brendan Lee Young","startTime":492.1,"endTime":495.13,"body":"passive is really saving you"},{"speaker":"Brendan Lee Young","startTime":495.13,"endTime":500.47,"body":"time, but also giving you that"},{"speaker":"Brendan Lee Young","startTime":495.13,"endTime":500.47,"body":"ability to click a button and"},{"speaker":"Brendan Lee Young","startTime":501.1,"endTime":504.88,"body":"have your money invested against"},{"speaker":"Brendan Lee Young","startTime":501.1,"endTime":504.88,"body":"the target portfolio trying to"},{"speaker":"Brendan Lee Young","startTime":504.88,"endTime":509.62,"body":"follow. And so that's really the"},{"speaker":"Brendan Lee Young","startTime":504.88,"endTime":509.62,"body":"main benefit I like, like"},{"speaker":"Brendan Lee Young","startTime":509.62,"endTime":513.73,"body":"basically imagine like not never"},{"speaker":"Brendan Lee Young","startTime":509.62,"endTime":513.73,"body":"having to log into your broker"},{"speaker":"Brendan Lee Young","startTime":513.73,"endTime":517.78,"body":"and navigate to all of those"},{"speaker":"Brendan Lee Young","startTime":513.73,"endTime":517.78,"body":"pains, just the place to trade,"},{"speaker":"Brendan Lee Young","startTime":517.78,"endTime":522.22,"body":"right, like you've got to tap"},{"speaker":"Brendan Lee Young","startTime":517.78,"endTime":522.22,"body":"into trade in key in the, the"},{"speaker":"Brendan Lee Young","startTime":522.22,"endTime":525.7,"body":"assets you want to place put"},{"speaker":"Brendan Lee Young","startTime":522.22,"endTime":525.7,"body":"into number of shares, if you're"},{"speaker":"Brendan Lee Young","startTime":525.7,"endTime":528.58,"body":"using a market order a limit"},{"speaker":"Brendan Lee Young","startTime":525.7,"endTime":528.58,"body":"order, like there's a lot of"},{"speaker":"Brendan Lee Young","startTime":528.58,"endTime":532.42,"body":"friction that goes involved,"},{"speaker":"Brendan Lee Young","startTime":528.58,"endTime":532.42,"body":"just just that that's involved"},{"speaker":"Brendan Lee Young","startTime":532.42,"endTime":536.26,"body":"in balancing your portfolio,"},{"speaker":"Brendan Lee Young","startTime":532.42,"endTime":536.26,"body":"just placing a trade. So like,"},{"speaker":"Brendan Lee Young","startTime":536.5,"endTime":540.25,"body":"what we do is we just make it"},{"speaker":"Brendan Lee Young","startTime":536.5,"endTime":540.25,"body":"super simple that someone can"},{"speaker":"Brendan Lee Young","startTime":540.25,"endTime":543.91,"body":"click a button, have their cash"},{"speaker":"Brendan Lee Young","startTime":540.25,"endTime":543.91,"body":"allocated to their target"},{"speaker":"Brendan Lee Young","startTime":543.91,"endTime":547.96,"body":"portfolio, or have your"},{"speaker":"Brendan Lee Young","startTime":543.91,"endTime":547.96,"body":"portfolio rebalance. But like"},{"speaker":"Brendan Lee Young","startTime":547.96,"endTime":550.39,"body":"what I really, really think"},{"speaker":"Brendan Lee Young","startTime":547.96,"endTime":550.39,"body":"about passive that's cool is"},{"speaker":"Brendan Lee Young","startTime":550.39,"endTime":555.52,"body":"that someone that's just getting"},{"speaker":"Brendan Lee Young","startTime":550.39,"endTime":555.52,"body":"started has an option they can"},{"speaker":"Brendan Lee Young","startTime":555.58,"endTime":560.29,"body":"be not an option as a stock"},{"speaker":"Brendan Lee Young","startTime":555.58,"endTime":560.29,"body":"option, but an option to invest"},{"speaker":"Brendan Lee Young","startTime":560.29,"endTime":563.08,"body":"on their own and save on all the"},{"speaker":"Brendan Lee Young","startTime":560.29,"endTime":563.08,"body":"fees that you typically pay."},{"speaker":"Brendan Lee Young","startTime":563.08,"endTime":569.71,"body":"It's an asset manager. So like"},{"speaker":"Brendan Lee Young","startTime":563.08,"endTime":569.71,"body":"in Canada, we pay about 2% a 2%"},{"speaker":"Brendan Lee Young","startTime":569.98,"endTime":573.43,"body":"management fee on mutual funds"},{"speaker":"Brendan Lee Young","startTime":569.98,"endTime":573.43,"body":"and like that's wild right? Like"},{"speaker":"Brendan Lee Young","startTime":573.43,"endTime":576.37,"body":"if if you think about it, right"},{"speaker":"Brendan Lee Young","startTime":573.43,"endTime":576.37,"body":"like that's a lot of money and"},{"speaker":"Brendan Lee Young","startTime":576.37,"endTime":583.09,"body":"that money could be used to help"},{"speaker":"Brendan Lee Young","startTime":576.37,"endTime":583.09,"body":"your money grow or you know, hit"},{"speaker":"Brendan Lee Young","startTime":583.12,"endTime":585.97,"body":"help you hit your your, your"},{"speaker":"Brendan Lee Young","startTime":583.12,"endTime":585.97,"body":"fire number fastest,"},{"speaker":"Average Joe Finances","startTime":586.36,"endTime":588.34,"body":"especially"},{"speaker":"Average Joe Finances","startTime":586.36,"endTime":588.34,"body":"over a long period of time, too."},{"speaker":"Average Joe Finances","startTime":588.79,"endTime":589.6,"body":"It's gonna add up,"},{"speaker":"Brendan Lee Young","startTime":589.9,"endTime":592.6,"body":"man, it"},{"speaker":"Brendan Lee Young","startTime":589.9,"endTime":592.6,"body":"compounds it adds up and like,"},{"speaker":"Brendan Lee Young","startTime":593.02,"endTime":595.45,"body":"you don't you don't even have"},{"speaker":"Brendan Lee Young","startTime":593.02,"endTime":595.45,"body":"that control and sovereignty"},{"speaker":"Brendan Lee Young","startTime":595.45,"endTime":599.23,"body":"over your money because you're"},{"speaker":"Brendan Lee Young","startTime":595.45,"endTime":599.23,"body":"giving it to some some some fat"},{"speaker":"Brendan Lee Young","startTime":599.23,"endTime":603.73,"body":"cat that really rich half were"},{"speaker":"Brendan Lee Young","startTime":599.23,"endTime":603.73,"body":"you in like it anyway just"},{"speaker":"Brendan Lee Young","startTime":603.73,"endTime":606.19,"body":"didn't sit well for me. So what"},{"speaker":"Brendan Lee Young","startTime":603.73,"endTime":606.19,"body":"I like about passive is that it,"},{"speaker":"Brendan Lee Young","startTime":606.43,"endTime":609.31,"body":"it helps the folks that are"},{"speaker":"Brendan Lee Young","startTime":606.43,"endTime":609.31,"body":"already doing DIY investing to"},{"speaker":"Brendan Lee Young","startTime":609.31,"endTime":613.6,"body":"do it. But it also makes it"},{"speaker":"Brendan Lee Young","startTime":609.31,"endTime":613.6,"body":"easier so that younger folks, or"},{"speaker":"Brendan Lee Young","startTime":613.6,"endTime":616.72,"body":"folks that want to take control"},{"speaker":"Brendan Lee Young","startTime":613.6,"endTime":616.72,"body":"of their finances can do it and"},{"speaker":"Brendan Lee Young","startTime":616.72,"endTime":619.9,"body":"save a ton of money if they want"},{"speaker":"Brendan Lee Young","startTime":616.72,"endTime":619.9,"body":"to. And so like, like, I like"},{"speaker":"Brendan Lee Young","startTime":619.9,"endTime":622.75,"body":"robo advisors, I think they're"},{"speaker":"Brendan Lee Young","startTime":619.9,"endTime":622.75,"body":"great, they're certainly cheaper"},{"speaker":"Brendan Lee Young","startTime":622.75,"endTime":626.41,"body":"than mutual funds here in"},{"speaker":"Brendan Lee Young","startTime":622.75,"endTime":626.41,"body":"Canada. But the thing that I've"},{"speaker":"Brendan Lee Young","startTime":626.41,"endTime":630.19,"body":"always had a hard time scraping"},{"speaker":"Brendan Lee Young","startTime":626.41,"endTime":630.19,"body":"up is, am I going to pay a"},{"speaker":"Brendan Lee Young","startTime":630.19,"endTime":634.87,"body":"percentage of my net worth and"},{"speaker":"Brendan Lee Young","startTime":630.19,"endTime":634.87,"body":"algorithm just balanced my"},{"speaker":"Brendan Lee Young","startTime":634.87,"endTime":639.76,"body":"portfolio to meet up for me, it"},{"speaker":"Brendan Lee Young","startTime":634.87,"endTime":639.76,"body":"just didn't seem like an option."},{"speaker":"Brendan Lee Young","startTime":639.76,"endTime":644.89,"body":"And so I just, I just wouldn't"},{"speaker":"Brendan Lee Young","startTime":639.76,"endTime":644.89,"body":"do it. But that's where I think"},{"speaker":"Brendan Lee Young","startTime":644.89,"endTime":648.94,"body":"passive comes in. Because if you"},{"speaker":"Brendan Lee Young","startTime":644.89,"endTime":648.94,"body":"are someone that knows what you"},{"speaker":"Brendan Lee Young","startTime":648.94,"endTime":655.57,"body":"want to invest in, you are fee"},{"speaker":"Brendan Lee Young","startTime":648.94,"endTime":655.57,"body":"conscious. And if, if you want"},{"speaker":"Brendan Lee Young","startTime":655.57,"endTime":657.97,"body":"to, like invest for the long"},{"speaker":"Brendan Lee Young","startTime":655.57,"endTime":657.97,"body":"haul, you can just use passive"},{"speaker":"Brendan Lee Young","startTime":657.97,"endTime":660.46,"body":"and you're not paying a scale"},{"speaker":"Brendan Lee Young","startTime":657.97,"endTime":660.46,"body":"and fee and you still get that"},{"speaker":"Brendan Lee Young","startTime":660.46,"endTime":664.0,"body":"functionality, as you would if"},{"speaker":"Brendan Lee Young","startTime":660.46,"endTime":664.0,"body":"you were with a robo advisor. Of"},{"speaker":"Brendan Lee Young","startTime":664.0,"endTime":667.57,"body":"course, the big difference is"},{"speaker":"Brendan Lee Young","startTime":664.0,"endTime":667.57,"body":"you've we don't tell you what to"},{"speaker":"Brendan Lee Young","startTime":667.57,"endTime":670.39,"body":"invest in and help you with"},{"speaker":"Brendan Lee Young","startTime":667.57,"endTime":670.39,"body":"asset allocation. Like you've"},{"speaker":"Brendan Lee Young","startTime":670.39,"endTime":675.37,"body":"got to be a bit of financially"},{"speaker":"Brendan Lee Young","startTime":670.39,"endTime":675.37,"body":"woke to use passive and so I"},{"speaker":"Brendan Lee Young","startTime":675.37,"endTime":680.41,"body":"think we're solving a pain for"},{"speaker":"Brendan Lee Young","startTime":675.37,"endTime":680.41,"body":"folks that are more financially"},{"speaker":"Brendan Lee Young","startTime":680.41,"endTime":684.22,"body":"work and want to be more"},{"speaker":"Brendan Lee Young","startTime":680.41,"endTime":684.22,"body":"involved in in their in their"},{"speaker":"Brendan Lee Young","startTime":684.22,"endTime":688.18,"body":"investments, but not necessarily"},{"speaker":"Brendan Lee Young","startTime":684.22,"endTime":688.18,"body":"do those tedious things that you"},{"speaker":"Brendan Lee Young","startTime":688.18,"endTime":691.18,"body":"would do using a spreadsheet to"},{"speaker":"Brendan Lee Young","startTime":688.18,"endTime":691.18,"body":"help you keep stuff out."},{"speaker":"Average Joe Finances","startTime":691.48,"endTime":692.98,"body":"Right?"},{"speaker":"Average Joe Finances","startTime":691.48,"endTime":692.98,"body":"Yeah, I like how you put that"},{"speaker":"Average Joe Finances","startTime":692.98,"endTime":696.67,"body":"like financially woke, right?"},{"speaker":"Average Joe Finances","startTime":692.98,"endTime":696.67,"body":"Because it's not like you know,"},{"speaker":"Average Joe Finances","startTime":696.67,"endTime":699.55,"body":"somebody who's never invested"},{"speaker":"Average Joe Finances","startTime":696.67,"endTime":699.55,"body":"before, this is probably not the"},{"speaker":"Average Joe Finances","startTime":699.55,"endTime":702.1,"body":"best thing for you to use. you"},{"speaker":"Average Joe Finances","startTime":699.55,"endTime":702.1,"body":"need you need to learn what"},{"speaker":"Average Joe Finances","startTime":702.1,"endTime":705.4,"body":"you're doing. First learn what"},{"speaker":"Average Joe Finances","startTime":702.1,"endTime":705.4,"body":"kind of assets you want to be"},{"speaker":"Average Joe Finances","startTime":705.4,"endTime":709.33,"body":"in, you know, what, what type"},{"speaker":"Average Joe Finances","startTime":705.4,"endTime":709.33,"body":"of, you know, do you want"},{"speaker":"Average Joe Finances","startTime":709.33,"endTime":713.71,"body":"growth? Do you want, you know,"},{"speaker":"Average Joe Finances","startTime":709.33,"endTime":713.71,"body":"recurring dividend payments, you"},{"speaker":"Average Joe Finances","startTime":713.71,"endTime":716.56,"body":"need to figure out what is it"},{"speaker":"Average Joe Finances","startTime":713.71,"endTime":716.56,"body":"that you know, you want to"},{"speaker":"Average Joe Finances","startTime":716.56,"endTime":720.88,"body":"invest in. So passive is there"},{"speaker":"Average Joe Finances","startTime":716.56,"endTime":720.88,"body":"for the folks that, you know,"},{"speaker":"Average Joe Finances","startTime":720.94,"endTime":724.09,"body":"I'd have a good grasp of what"},{"speaker":"Average Joe Finances","startTime":720.94,"endTime":724.09,"body":"they're doing with their"},{"speaker":"Average Joe Finances","startTime":724.09,"endTime":727.0,"body":"investments. But it makes it"},{"speaker":"Average Joe Finances","startTime":724.09,"endTime":727.0,"body":"simple, because you know what"},{"speaker":"Average Joe Finances","startTime":727.0,"endTime":730.18,"body":"your plan is, right? And it"},{"speaker":"Average Joe Finances","startTime":727.0,"endTime":730.18,"body":"sounds like all you got to do is"},{"speaker":"Average Joe Finances","startTime":730.18,"endTime":733.09,"body":"click one button, and it"},{"speaker":"Average Joe Finances","startTime":730.18,"endTime":733.09,"body":"rebalances your portfolio for"},{"speaker":"Average Joe Finances","startTime":733.09,"endTime":735.82,"body":"you to right, you know, right"},{"speaker":"Average Joe Finances","startTime":733.09,"endTime":735.82,"body":"where you needed to be for your"},{"speaker":"Average Joe Finances","startTime":735.82,"endTime":736.39,"body":"target."},{"speaker":"Brendan Lee Young","startTime":736.87,"endTime":739.39,"body":"Yeah, and so"},{"speaker":"Brendan Lee Young","startTime":736.87,"endTime":739.39,"body":"like, what's what's also cool is"},{"speaker":"Brendan Lee Young","startTime":739.39,"endTime":741.91,"body":"that, like, you could be a"},{"speaker":"Brendan Lee Young","startTime":739.39,"endTime":741.91,"body":"family's asset manager, so like,"},{"speaker":"Brendan Lee Young","startTime":742.12,"endTime":746.05,"body":"my co founder, who's also named"},{"speaker":"Brendan Lee Young","startTime":742.12,"endTime":746.05,"body":"Brandon. So like, he had like,"},{"speaker":"Brendan Lee Young","startTime":746.05,"endTime":750.7,"body":"six accounts that he's, he's,"},{"speaker":"Brendan Lee Young","startTime":746.05,"endTime":750.7,"body":"he's managing, right, so if you"},{"speaker":"Brendan Lee Young","startTime":750.7,"endTime":755.11,"body":"think my, my spreadsheets"},{"speaker":"Brendan Lee Young","startTime":750.7,"endTime":755.11,"body":"complicated, his spreadsheet"},{"speaker":"Brendan Lee Young","startTime":755.11,"endTime":757.81,"body":"would have been off the chains"},{"speaker":"Brendan Lee Young","startTime":755.11,"endTime":757.81,"body":"just because of the amount of"},{"speaker":"Brendan Lee Young","startTime":757.81,"endTime":761.26,"body":"accounts and assets that are in"},{"speaker":"Brendan Lee Young","startTime":757.81,"endTime":761.26,"body":"them. And so what what passive"},{"speaker":"Brendan Lee Young","startTime":761.26,"endTime":764.8,"body":"allowed him to do was just like,"},{"speaker":"Brendan Lee Young","startTime":761.26,"endTime":764.8,"body":"combine all of those accounts"},{"speaker":"Brendan Lee Young","startTime":764.8,"endTime":769.21,"body":"into one holistic portfolio, and"},{"speaker":"Brendan Lee Young","startTime":764.8,"endTime":769.21,"body":"balanced across all of them. Or"},{"speaker":"Brendan Lee Young","startTime":769.21,"endTime":772.24,"body":"you could take each of those"},{"speaker":"Brendan Lee Young","startTime":769.21,"endTime":772.24,"body":"accounts that you have, and then"},{"speaker":"Brendan Lee Young","startTime":772.24,"endTime":775.48,"body":"create separate portfolios with"},{"speaker":"Brendan Lee Young","startTime":772.24,"endTime":775.48,"body":"different asset allocations. And"},{"speaker":"Brendan Lee Young","startTime":775.48,"endTime":777.97,"body":"the best part is, is again,"},{"speaker":"Brendan Lee Young","startTime":775.48,"endTime":777.97,"body":"you're not paying a fee, you're"},{"speaker":"Brendan Lee Young","startTime":777.97,"endTime":780.85,"body":"seeing everything in one spot,"},{"speaker":"Brendan Lee Young","startTime":777.97,"endTime":780.85,"body":"you're clicking a button and,"},{"speaker":"Brendan Lee Young","startTime":781.33,"endTime":784.21,"body":"and having passive do that thing"},{"speaker":"Brendan Lee Young","startTime":781.33,"endTime":784.21,"body":"for you. And so it's, it's"},{"speaker":"Brendan Lee Young","startTime":784.21,"endTime":788.98,"body":"really empowering from that"},{"speaker":"Brendan Lee Young","startTime":784.21,"endTime":788.98,"body":"point of view. And, yeah, it's,"},{"speaker":"Brendan Lee Young","startTime":789.13,"endTime":792.22,"body":"it's really helpful for folks"},{"speaker":"Brendan Lee Young","startTime":789.13,"endTime":792.22,"body":"that are really, like I said,"},{"speaker":"Brendan Lee Young","startTime":792.22,"endTime":796.3,"body":"really in tune with their"},{"speaker":"Brendan Lee Young","startTime":792.22,"endTime":796.3,"body":"family's finances. And we even"},{"speaker":"Brendan Lee Young","startTime":796.3,"endTime":801.91,"body":"have an older user I say, older"},{"speaker":"Brendan Lee Young","startTime":796.3,"endTime":801.91,"body":"not to be derogatory or anything"},{"speaker":"Brendan Lee Young","startTime":801.91,"endTime":805.21,"body":"like that. But like, someone"},{"speaker":"Brendan Lee Young","startTime":801.91,"endTime":805.21,"body":"that's, that's a bit like,"},{"speaker":"Brendan Lee Young","startTime":805.27,"endTime":808.24,"body":"basically is in retirement. And"},{"speaker":"Brendan Lee Young","startTime":805.27,"endTime":808.24,"body":"so she reached out to the team,"},{"speaker":"Brendan Lee Young","startTime":808.24,"endTime":811.18,"body":"and she's like, I have some"},{"speaker":"Brendan Lee Young","startTime":808.24,"endTime":811.18,"body":"questions, I'd like someone to"},{"speaker":"Brendan Lee Young","startTime":811.18,"endTime":814.12,"body":"speak to me. And so when, when,"},{"speaker":"Brendan Lee Young","startTime":811.18,"endTime":814.12,"body":"when her and I hopped on the"},{"speaker":"Brendan Lee Young","startTime":814.12,"endTime":819.04,"body":"phone, we found out that this"},{"speaker":"Brendan Lee Young","startTime":814.12,"endTime":819.04,"body":"person was in retirement period"},{"speaker":"Brendan Lee Young","startTime":819.04,"endTime":823.9,"body":"about passive, and they, they"},{"speaker":"Brendan Lee Young","startTime":819.04,"endTime":823.9,"body":"wanted to use passive to help"},{"speaker":"Brendan Lee Young","startTime":823.9,"endTime":827.5,"body":"them balance. So I thought that"},{"speaker":"Brendan Lee Young","startTime":823.9,"endTime":827.5,"body":"was pretty cool. Because, you"},{"speaker":"Brendan Lee Young","startTime":827.5,"endTime":831.16,"body":"know, like someone, most people"},{"speaker":"Brendan Lee Young","startTime":827.5,"endTime":831.16,"body":"say, oh, investing is hard. And,"},{"speaker":"Brendan Lee Young","startTime":831.43,"endTime":834.55,"body":"you know, if you if you don't"},{"speaker":"Brendan Lee Young","startTime":831.43,"endTime":834.55,"body":"know, anybody should give it to"},{"speaker":"Brendan Lee Young","startTime":834.55,"endTime":838.6,"body":"a professional, but but this"},{"speaker":"Brendan Lee Young","startTime":834.55,"endTime":838.6,"body":"this lady, she understood what"},{"speaker":"Brendan Lee Young","startTime":838.6,"endTime":841.15,"body":"we were doing, and she just"},{"speaker":"Brendan Lee Young","startTime":838.6,"endTime":841.15,"body":"clicked that button. She's I"},{"speaker":"Brendan Lee Young","startTime":841.15,"endTime":844.06,"body":"love your service, man. Like,"},{"speaker":"Brendan Lee Young","startTime":841.15,"endTime":844.06,"body":"you're helping me a lot. I was"},{"speaker":"Brendan Lee Young","startTime":844.06,"endTime":848.74,"body":"like, that's awesome. You know,"},{"speaker":"Brendan Lee Young","startTime":844.06,"endTime":848.74,"body":"like, please reach out. So yeah,"},{"speaker":"Brendan Lee Young","startTime":848.83,"endTime":849.28,"body":"like, no,"},{"speaker":"Average Joe Finances","startTime":849.28,"endTime":850.78,"body":"that's,"},{"speaker":"Average Joe Finances","startTime":849.28,"endTime":850.78,"body":"that's awesome. Because like,"},{"speaker":"Average Joe Finances","startTime":850.78,"endTime":853.96,"body":"when somebody when someone's in"},{"speaker":"Average Joe Finances","startTime":850.78,"endTime":853.96,"body":"retirement now and and they're,"},{"speaker":"Average Joe Finances","startTime":854.29,"endTime":857.95,"body":"they're relying on what they"},{"speaker":"Average Joe Finances","startTime":854.29,"endTime":857.95,"body":"have invested to live off of."},{"speaker":"Average Joe Finances","startTime":858.37,"endTime":861.28,"body":"Right. So it's important that,"},{"speaker":"Average Joe Finances","startTime":858.37,"endTime":861.28,"body":"you know, the the service that"},{"speaker":"Average Joe Finances","startTime":861.28,"endTime":864.82,"body":"you all are providing makes it"},{"speaker":"Average Joe Finances","startTime":861.28,"endTime":864.82,"body":"that much easier for her that"},{"speaker":"Average Joe Finances","startTime":864.85,"endTime":867.52,"body":"it's just with the click of a"},{"speaker":"Average Joe Finances","startTime":864.85,"endTime":867.52,"body":"button. She, you know, she"},{"speaker":"Average Joe Finances","startTime":867.52,"endTime":872.41,"body":"rebalances her portfolio. So"},{"speaker":"Average Joe Finances","startTime":867.52,"endTime":872.41,"body":"where she's comfortable in"},{"speaker":"Average Joe Finances","startTime":872.41,"endTime":873.46,"body":"retirement, right."},{"speaker":"Brendan Lee Young","startTime":873.67,"endTime":876.22,"body":"Yeah. And I"},{"speaker":"Brendan Lee Young","startTime":873.67,"endTime":876.22,"body":"think I think that like I see it"},{"speaker":"Brendan Lee Young","startTime":876.22,"endTime":879.49,"body":"on the other side, too, because"},{"speaker":"Brendan Lee Young","startTime":876.22,"endTime":879.49,"body":"like I have this friend that so"},{"speaker":"Brendan Lee Young","startTime":879.49,"endTime":882.37,"body":"he was invested in with a"},{"speaker":"Brendan Lee Young","startTime":879.49,"endTime":882.37,"body":"popular robo advisor here in"},{"speaker":"Brendan Lee Young","startTime":882.37,"endTime":886.69,"body":"Canada. And so he got the bright"},{"speaker":"Brendan Lee Young","startTime":882.37,"endTime":886.69,"body":"idea to take his robo advisors"},{"speaker":"Brendan Lee Young","startTime":886.69,"endTime":891.79,"body":"model portfolio, and basically"},{"speaker":"Brendan Lee Young","startTime":886.69,"endTime":891.79,"body":"replicated by opening a"},{"speaker":"Brendan Lee Young","startTime":891.79,"endTime":896.56,"body":"brokerage accounts and using"},{"speaker":"Brendan Lee Young","startTime":891.79,"endTime":896.56,"body":"passive and so he was doing it"},{"speaker":"Brendan Lee Young","startTime":896.56,"endTime":900.1,"body":"for some time and he sends me an"},{"speaker":"Brendan Lee Young","startTime":896.56,"endTime":900.1,"body":"email saying, Man, I really like"},{"speaker":"Brendan Lee Young","startTime":900.1,"endTime":904.27,"body":"Passive but, but I'm trying to"},{"speaker":"Brendan Lee Young","startTime":900.1,"endTime":904.27,"body":"understand like, like, why your"},{"speaker":"Brendan Lee Young","startTime":904.27,"endTime":909.07,"body":"performance is different? What"},{"speaker":"Brendan Lee Young","startTime":904.27,"endTime":909.07,"body":"I'm what I'm seeing at my robo"},{"speaker":"Brendan Lee Young","startTime":909.07,"endTime":912.58,"body":"advisor like, Why Why is it"},{"speaker":"Brendan Lee Young","startTime":909.07,"endTime":912.58,"body":"that, that the numbers even"},{"speaker":"Brendan Lee Young","startTime":912.58,"endTime":915.16,"body":"though we have the same"},{"speaker":"Brendan Lee Young","startTime":912.58,"endTime":915.16,"body":"portfolio, like I have the same"},{"speaker":"Brendan Lee Young","startTime":915.16,"endTime":918.04,"body":"portfolio, but my robo advisor"},{"speaker":"Brendan Lee Young","startTime":915.16,"endTime":918.04,"body":"and passive like, like, why is"},{"speaker":"Brendan Lee Young","startTime":918.04,"endTime":921.31,"body":"there a difference in the two in"},{"speaker":"Brendan Lee Young","startTime":918.04,"endTime":921.31,"body":"the amounts? I'm like, well,"},{"speaker":"Brendan Lee Young","startTime":921.31,"endTime":924.85,"body":"friend, um, it's because you're"},{"speaker":"Brendan Lee Young","startTime":921.31,"endTime":924.85,"body":"saving on defeat that you"},{"speaker":"Brendan Lee Young","startTime":924.85,"endTime":930.04,"body":"wouldn't be paying to robo"},{"speaker":"Brendan Lee Young","startTime":924.85,"endTime":930.04,"body":"advisor. Um, and he was like,"},{"speaker":"Brendan Lee Young","startTime":930.07,"endTime":930.55,"body":"Oh,"},{"speaker":"Average Joe Finances","startTime":931.48,"endTime":934.87,"body":"yeah, that"},{"speaker":"Average Joe Finances","startTime":931.48,"endTime":934.87,"body":"fee like, like you said, 2%. In"},{"speaker":"Average Joe Finances","startTime":934.87,"endTime":938.08,"body":"Canada, I mean, so compound"},{"speaker":"Average Joe Finances","startTime":934.87,"endTime":938.08,"body":"interest goes both ways, right?"},{"speaker":"Average Joe Finances","startTime":938.08,"endTime":941.68,"body":"If you're paying 2% on every,"},{"speaker":"Average Joe Finances","startTime":938.08,"endTime":941.68,"body":"every time you're moving your"},{"speaker":"Average Joe Finances","startTime":941.68,"endTime":945.01,"body":"assets around your or your, you"},{"speaker":"Average Joe Finances","startTime":941.68,"endTime":945.01,"body":"know, your allocations. I mean,"},{"speaker":"Average Joe Finances","startTime":945.01,"endTime":948.4,"body":"that's, that's definitely going"},{"speaker":"Average Joe Finances","startTime":945.01,"endTime":948.4,"body":"to add up. So I just passive"},{"speaker":"Average Joe Finances","startTime":948.4,"endTime":951.07,"body":"make money. Like, what what if"},{"speaker":"Average Joe Finances","startTime":948.4,"endTime":951.07,"body":"you guys aren't charging a fee?"},{"speaker":"Average Joe Finances","startTime":951.07,"endTime":952.27,"body":"What? How do you guys do it?"},{"speaker":"Brendan Lee Young","startTime":952.51,"endTime":955.54,"body":"Yeah, so we"},{"speaker":"Brendan Lee Young","startTime":952.51,"endTime":955.54,"body":"just we just charge a yearly"},{"speaker":"Brendan Lee Young","startTime":955.54,"endTime":960.22,"body":"flat fee to get access to"},{"speaker":"Brendan Lee Young","startTime":955.54,"endTime":960.22,"body":"premium features. So users who"},{"speaker":"Brendan Lee Young","startTime":960.22,"endTime":964.21,"body":"are passive elite, that's sort"},{"speaker":"Brendan Lee Young","startTime":960.22,"endTime":964.21,"body":"of what we call it, you can use"},{"speaker":"Brendan Lee Young","startTime":964.21,"endTime":966.79,"body":"our one click trades feature,"},{"speaker":"Brendan Lee Young","startTime":964.21,"endTime":966.79,"body":"it's, it's one of the most"},{"speaker":"Brendan Lee Young","startTime":966.79,"endTime":970.09,"body":"popular features you can, you"},{"speaker":"Brendan Lee Young","startTime":966.79,"endTime":970.09,"body":"can use our asset classes"},{"speaker":"Brendan Lee Young","startTime":970.09,"endTime":975.16,"body":"feature you can use, we have"},{"speaker":"Brendan Lee Young","startTime":970.09,"endTime":975.16,"body":"this new feature rebuilt, that"},{"speaker":"Brendan Lee Young","startTime":975.16,"endTime":978.01,"body":"lets you specify the accounts,"},{"speaker":"Brendan Lee Young","startTime":975.16,"endTime":978.01,"body":"you want to ask your assets to"},{"speaker":"Brendan Lee Young","startTime":978.01,"endTime":981.16,"body":"be purchased in. So it helps"},{"speaker":"Brendan Lee Young","startTime":978.01,"endTime":981.16,"body":"people do tax efficiency"},{"speaker":"Brendan Lee Young","startTime":981.19,"endTime":985.03,"body":"investing. And so basically, we"},{"speaker":"Brendan Lee Young","startTime":981.19,"endTime":985.03,"body":"just make money off of selling"},{"speaker":"Brendan Lee Young","startTime":985.03,"endTime":988.6,"body":"subscriptions, and not"},{"speaker":"Brendan Lee Young","startTime":985.03,"endTime":988.6,"body":"necessarily like holding"},{"speaker":"Brendan Lee Young","startTime":988.6,"endTime":991.81,"body":"people's assets and charging a"},{"speaker":"Brendan Lee Young","startTime":988.6,"endTime":991.81,"body":"management fee. I just want to"},{"speaker":"Brendan Lee Young","startTime":991.81,"endTime":995.89,"body":"clarify one thing, it's that"},{"speaker":"Brendan Lee Young","startTime":991.81,"endTime":995.89,"body":"robo advisors in Canada a lot"},{"speaker":"Brendan Lee Young","startTime":995.89,"endTime":1000.42,"body":"cheaper than 2%. There, I"},{"speaker":"Brendan Lee Young","startTime":995.89,"endTime":1000.42,"body":"believe they charge like 50"},{"speaker":"Brendan Lee Young","startTime":1000.42,"endTime":1005.19,"body":"basis points plus the cost of"},{"speaker":"Brendan Lee Young","startTime":1000.42,"endTime":1005.19,"body":"the underlying ETF. So all in"},{"speaker":"Brendan Lee Young","startTime":1005.19,"endTime":1010.41,"body":"your about I think 75 basis"},{"speaker":"Brendan Lee Young","startTime":1005.19,"endTime":1010.41,"body":"points versus like, if you took"},{"speaker":"Brendan Lee Young","startTime":1010.44,"endTime":1015.93,"body":"a few low cost, low low fee ETF,"},{"speaker":"Brendan Lee Young","startTime":1010.44,"endTime":1015.93,"body":"like I think some of the"},{"speaker":"Brendan Lee Young","startTime":1015.93,"endTime":1019.29,"body":"vanguard and black one, Black"},{"speaker":"Brendan Lee Young","startTime":1015.93,"endTime":1019.29,"body":"Rock ones are really really dirt"},{"speaker":"Brendan Lee Young","startTime":1019.29,"endTime":1023.46,"body":"cheap, like, like below, below"},{"speaker":"Brendan Lee Young","startTime":1019.29,"endTime":1023.46,"body":"10 basis points, you could you"},{"speaker":"Brendan Lee Young","startTime":1023.46,"endTime":1027.33,"body":"could build a really broadly, a"},{"speaker":"Brendan Lee Young","startTime":1023.46,"endTime":1027.33,"body":"really good a really cheap,"},{"speaker":"Brendan Lee Young","startTime":1027.33,"endTime":1030.93,"body":"broadly diversified ETF"},{"speaker":"Brendan Lee Young","startTime":1027.33,"endTime":1030.93,"body":"portfolio that that's going to"},{"speaker":"Brendan Lee Young","startTime":1030.93,"endTime":1037.2,"body":"come in under 20 basis points"},{"speaker":"Brendan Lee Young","startTime":1030.93,"endTime":1037.2,"body":"and not have to pay any sort of"},{"speaker":"Brendan Lee Young","startTime":1037.2,"endTime":1042.27,"body":"scaling fee to a financial"},{"speaker":"Brendan Lee Young","startTime":1037.2,"endTime":1042.27,"body":"advisor or mutual fund. So yeah,"},{"speaker":"Brendan Lee Young","startTime":1042.27,"endTime":1044.88,"body":"I just just wanted to clarify"},{"speaker":"Brendan Lee Young","startTime":1042.27,"endTime":1044.88,"body":"that point."},{"speaker":"Average Joe Finances","startTime":1044.88,"endTime":1048.6,"body":"Yeah, for"},{"speaker":"Average Joe Finances","startTime":1044.88,"endTime":1048.6,"body":"sure Yeah, so it sounds like"},{"speaker":"Average Joe Finances","startTime":1048.6,"endTime":1050.88,"body":"though, where you save your"},{"speaker":"Average Joe Finances","startTime":1048.6,"endTime":1050.88,"body":"money is that you know, it's"},{"speaker":"Average Joe Finances","startTime":1050.88,"endTime":1053.88,"body":"it's a it's a flat fee, right?"},{"speaker":"Average Joe Finances","startTime":1050.88,"endTime":1053.88,"body":"It's a flat subscription fee."},{"speaker":"Average Joe Finances","startTime":1054.21,"endTime":1057.87,"body":"It's, it's not going to vary"},{"speaker":"Average Joe Finances","startTime":1054.21,"endTime":1057.87,"body":"based on you know, how much"},{"speaker":"Average Joe Finances","startTime":1057.87,"endTime":1060.12,"body":"you're trading how often you're"},{"speaker":"Average Joe Finances","startTime":1057.87,"endTime":1060.12,"body":"trading or anything like that,"},{"speaker":"Average Joe Finances","startTime":1060.12,"endTime":1064.56,"body":"right? There's, there's no"},{"speaker":"Average Joe Finances","startTime":1060.12,"endTime":1064.56,"body":"limits to how often you can you"},{"speaker":"Average Joe Finances","startTime":1064.56,"endTime":1066.75,"body":"know, rebalance your portfolio"},{"speaker":"Average Joe Finances","startTime":1064.56,"endTime":1066.75,"body":"or anything, right."},{"speaker":"Brendan Lee Young","startTime":1066.81,"endTime":1069.18,"body":"Yeah, that's"},{"speaker":"Brendan Lee Young","startTime":1066.81,"endTime":1069.18,"body":"correct. It's use it as much as"},{"speaker":"Brendan Lee Young","startTime":1069.18,"endTime":1072.42,"body":"you want. And you can you can"},{"speaker":"Brendan Lee Young","startTime":1069.18,"endTime":1072.42,"body":"connect as many accounts to"},{"speaker":"Brendan Lee Young","startTime":1072.42,"endTime":1076.83,"body":"your, your, your passive"},{"speaker":"Brendan Lee Young","startTime":1072.42,"endTime":1076.83,"body":"accounts as well. So you take"},{"speaker":"Brendan Lee Young","startTime":1076.86,"endTime":1080.19,"body":"take, for example, someone that"},{"speaker":"Brendan Lee Young","startTime":1076.86,"endTime":1080.19,"body":"has, you know, they are managing"},{"speaker":"Brendan Lee Young","startTime":1080.19,"endTime":1083.46,"body":"their households wealth, or"},{"speaker":"Brendan Lee Young","startTime":1080.19,"endTime":1083.46,"body":"maybe their parents wells as"},{"speaker":"Brendan Lee Young","startTime":1083.46,"endTime":1087.99,"body":"well. And so you can all get"},{"speaker":"Brendan Lee Young","startTime":1083.46,"endTime":1087.99,"body":"them in on the one passive, you"},{"speaker":"Brendan Lee Young","startTime":1087.99,"endTime":1091.26,"body":"need subscription and just"},{"speaker":"Brendan Lee Young","startTime":1087.99,"endTime":1091.26,"body":"manage it all within passive."},{"speaker":"Brendan Lee Young","startTime":1091.35,"endTime":1091.89,"body":"Oh, wow."},{"speaker":"Average Joe Finances","startTime":1092.07,"endTime":1094.56,"body":"Yeah. So"},{"speaker":"Average Joe Finances","startTime":1092.07,"endTime":1094.56,"body":"okay, so multiple accounts you"},{"speaker":"Average Joe Finances","startTime":1094.56,"endTime":1097.62,"body":"can have in there under one"},{"speaker":"Average Joe Finances","startTime":1094.56,"endTime":1097.62,"body":"passive subscription. That's,"},{"speaker":"Average Joe Finances","startTime":1097.62,"endTime":1099.09,"body":"that's pretty awesome."},{"speaker":"Brendan Lee Young","startTime":1099.48,"endTime":1104.49,"body":"Yeah, yeah."},{"speaker":"Brendan Lee Young","startTime":1099.48,"endTime":1104.49,"body":"It's pretty cool. So like, I I"},{"speaker":"Brendan Lee Young","startTime":1104.49,"endTime":1108.03,"body":"use my my mom's brokerage"},{"speaker":"Brendan Lee Young","startTime":1104.49,"endTime":1108.03,"body":"accounts, I manage my wife's"},{"speaker":"Brendan Lee Young","startTime":1108.03,"endTime":1111.09,"body":"brokerage accounts, and my, my"},{"speaker":"Brendan Lee Young","startTime":1108.03,"endTime":1111.09,"body":"brokerage accounts. And so my,"},{"speaker":"Brendan Lee Young","startTime":1111.21,"endTime":1114.87,"body":"my passive dashboard looks like"},{"speaker":"Brendan Lee Young","startTime":1111.21,"endTime":1114.87,"body":"insanely long, because of all of"},{"speaker":"Brendan Lee Young","startTime":1114.87,"endTime":1118.77,"body":"the accounts that I have. And I"},{"speaker":"Brendan Lee Young","startTime":1114.87,"endTime":1118.77,"body":"think, I think there's like one,"},{"speaker":"Brendan Lee Young","startTime":1118.83,"endTime":1121.44,"body":"one person on all thought for"},{"speaker":"Brendan Lee Young","startTime":1118.83,"endTime":1121.44,"body":"him, he's like, managing, like,"},{"speaker":"Brendan Lee Young","startTime":1121.44,"endTime":1125.88,"body":"maybe 2020 accounts. And like,"},{"speaker":"Brendan Lee Young","startTime":1121.44,"endTime":1125.88,"body":"that's, that's, that's kind of"},{"speaker":"Brendan Lee Young","startTime":1125.88,"endTime":1126.75,"body":"interesting."},{"speaker":"Average Joe Finances","startTime":1127.8,"endTime":1129.63,"body":"Now, for"},{"speaker":"Average Joe Finances","startTime":1127.8,"endTime":1129.63,"body":"all those accounts, are they?"},{"speaker":"Average Joe Finances","startTime":1130.32,"endTime":1132.96,"body":"Can you allocate them"},{"speaker":"Average Joe Finances","startTime":1130.32,"endTime":1132.96,"body":"differently? Or do they all have"},{"speaker":"Average Joe Finances","startTime":1132.96,"endTime":1135.96,"body":"to be like the same kind of"},{"speaker":"Average Joe Finances","startTime":1132.96,"endTime":1135.96,"body":"asset allocation?"},{"speaker":"Brendan Lee Young","startTime":1136.44,"endTime":1138.57,"body":"Oh, no, you"},{"speaker":"Brendan Lee Young","startTime":1136.44,"endTime":1138.57,"body":"can you can, you can, like,"},{"speaker":"Brendan Lee Young","startTime":1138.57,"endTime":1141.36,"body":"let's say, I had Mike's, if"},{"speaker":"Brendan Lee Young","startTime":1138.57,"endTime":1141.36,"body":"Mike, if I had your accountant,"},{"speaker":"Brendan Lee Young","startTime":1141.36,"endTime":1148.23,"body":"my passive dashboard, I can give"},{"speaker":"Brendan Lee Young","startTime":1141.36,"endTime":1148.23,"body":"you an 8020 asset allocation to"},{"speaker":"Brendan Lee Young","startTime":1148.26,"endTime":1154.38,"body":"view on a Vanguard bond ETF, and"},{"speaker":"Brendan Lee Young","startTime":1148.26,"endTime":1154.38,"body":"I can do a different one for my"},{"speaker":"Brendan Lee Young","startTime":1154.44,"endTime":1155.7,"body":"accounts as well. So it's really"},{"speaker":"Average Joe Finances","startTime":1155.7,"endTime":1157.26,"body":"wow,"},{"speaker":"Average Joe Finances","startTime":1155.7,"endTime":1157.26,"body":"that's okay. That's even better"},{"speaker":"Average Joe Finances","startTime":1157.26,"endTime":1158.85,"body":"than I thought. Because I"},{"speaker":"Average Joe Finances","startTime":1157.26,"endTime":1158.85,"body":"thought, you know, it's like,"},{"speaker":"Average Joe Finances","startTime":1158.88,"endTime":1162.99,"body":"oh, everybody be under the same"},{"speaker":"Average Joe Finances","startTime":1158.88,"endTime":1162.99,"body":"plan. So whenever you, you know,"},{"speaker":"Average Joe Finances","startTime":1162.99,"endTime":1166.86,"body":"you rebalance or anything like"},{"speaker":"Average Joe Finances","startTime":1162.99,"endTime":1166.86,"body":"that, everybody goes back to the"},{"speaker":"Average Joe Finances","startTime":1166.86,"endTime":1170.37,"body":"same and it's not, you know,"},{"speaker":"Average Joe Finances","startTime":1166.86,"endTime":1170.37,"body":"okay, that's, that's good that"},{"speaker":"Average Joe Finances","startTime":1170.37,"endTime":1173.64,"body":"everybody can be different,"},{"speaker":"Average Joe Finances","startTime":1170.37,"endTime":1173.64,"body":"based, based off of, you know,"},{"speaker":"Average Joe Finances","startTime":1173.64,"endTime":1176.19,"body":"like, so, you manage it, you"},{"speaker":"Average Joe Finances","startTime":1173.64,"endTime":1176.19,"body":"said for your mother and your"},{"speaker":"Average Joe Finances","startTime":1176.19,"endTime":1179.25,"body":"wife, right. So, if your mother"},{"speaker":"Average Joe Finances","startTime":1176.19,"endTime":1179.25,"body":"wants to do something a little"},{"speaker":"Average Joe Finances","startTime":1179.25,"endTime":1182.4,"body":"bit different than what you're"},{"speaker":"Average Joe Finances","startTime":1179.25,"endTime":1182.4,"body":"doing. She doesn't have to worry"},{"speaker":"Average Joe Finances","startTime":1182.4,"endTime":1184.8,"body":"about every time you go to"},{"speaker":"Average Joe Finances","startTime":1182.4,"endTime":1184.8,"body":"rebalance the portfolio that"},{"speaker":"Average Joe Finances","startTime":1184.8,"endTime":1189.06,"body":"it's going to move her stuff to"},{"speaker":"Average Joe Finances","startTime":1184.8,"endTime":1189.06,"body":"look like yours. That's correct."},{"speaker":"Average Joe Finances","startTime":1189.06,"endTime":1192.12,"body":"And investing a little more"},{"speaker":"Average Joe Finances","startTime":1189.06,"endTime":1192.12,"body":"riskier than she is right"},{"speaker":"Average Joe Finances","startTime":1192.12,"endTime":1195.87,"body":"because you're younger. And she"},{"speaker":"Average Joe Finances","startTime":1192.12,"endTime":1195.87,"body":"you know, usually as you get"},{"speaker":"Average Joe Finances","startTime":1195.87,"endTime":1197.46,"body":"older, you're a little more risk"},{"speaker":"Average Joe Finances","startTime":1195.87,"endTime":1197.46,"body":"adverse."},{"speaker":"Brendan Lee Young","startTime":1197.52,"endTime":1200.25,"body":"Yeah, so my"},{"speaker":"Brendan Lee Young","startTime":1197.52,"endTime":1200.25,"body":"mom's it's interesting. My Mom,"},{"speaker":"Brendan Lee Young","startTime":1200.25,"endTime":1204.27,"body":"she's all about taking that"},{"speaker":"Brendan Lee Young","startTime":1200.25,"endTime":1204.27,"body":"risk. And so like the way the"},{"speaker":"Brendan Lee Young","startTime":1204.27,"endTime":1208.26,"body":"way she looks at it is like I"},{"speaker":"Brendan Lee Young","startTime":1204.27,"endTime":1208.26,"body":"will inherit whatever she has."},{"speaker":"Brendan Lee Young","startTime":1208.26,"endTime":1211.92,"body":"And so if it's about building"},{"speaker":"Brendan Lee Young","startTime":1208.26,"endTime":1211.92,"body":"intergenerational wealth, then"},{"speaker":"Brendan Lee Young","startTime":1212.19,"endTime":1216.42,"body":"why have a portfolio that's"},{"speaker":"Brendan Lee Young","startTime":1212.19,"endTime":1216.42,"body":"super, super conservative, that"},{"speaker":"Brendan Lee Young","startTime":1216.42,"endTime":1221.07,"body":"wouldn't really earn much. So"},{"speaker":"Brendan Lee Young","startTime":1216.42,"endTime":1221.07,"body":"yeah, she's she's, she's like,"},{"speaker":"Brendan Lee Young","startTime":1221.07,"endTime":1225.63,"body":"well, let's, let's take some"},{"speaker":"Brendan Lee Young","startTime":1221.07,"endTime":1225.63,"body":"risk and see where that goes."},{"speaker":"Brendan Lee Young","startTime":1225.69,"endTime":1227.88,"body":"No, that's, that's great."},{"speaker":"Brendan Lee Young","startTime":1225.69,"endTime":1227.88,"body":"That's, that's awesome, man."},{"speaker":"Average Joe Finances","startTime":1229.16,"endTime":1231.11,"body":"Okay, so"},{"speaker":"Average Joe Finances","startTime":1229.16,"endTime":1231.11,"body":"we're talking a lot about"},{"speaker":"Average Joe Finances","startTime":1231.11,"endTime":1234.89,"body":"passive and what did you guys"},{"speaker":"Average Joe Finances","startTime":1231.11,"endTime":1234.89,"body":"do? And it's, it's fantastic."},{"speaker":"Average Joe Finances","startTime":1235.1,"endTime":1237.11,"body":"I'm learning a little bit more"},{"speaker":"Average Joe Finances","startTime":1235.1,"endTime":1237.11,"body":"like this is stuff I didn't"},{"speaker":"Average Joe Finances","startTime":1237.11,"endTime":1239.93,"body":"really talk to Nick too much"},{"speaker":"Average Joe Finances","startTime":1237.11,"endTime":1239.93,"body":"about, like, we kind of went"},{"speaker":"Average Joe Finances","startTime":1239.93,"endTime":1242.48,"body":"over like wave top stuff. So"},{"speaker":"Average Joe Finances","startTime":1239.93,"endTime":1242.48,"body":"this is a little more in depth."},{"speaker":"Average Joe Finances","startTime":1242.48,"endTime":1247.01,"body":"I'm having fun with this. And"},{"speaker":"Average Joe Finances","startTime":1242.48,"endTime":1247.01,"body":"it's pretty exciting. But you so"},{"speaker":"Average Joe Finances","startTime":1247.04,"endTime":1249.89,"body":"let's, let's talk about Brendan"},{"speaker":"Average Joe Finances","startTime":1247.04,"endTime":1249.89,"body":"Lee Young here for a second,"},{"speaker":"Average Joe Finances","startTime":1249.89,"endTime":1254.36,"body":"right. And so Brendan, what is"},{"speaker":"Average Joe Finances","startTime":1249.89,"endTime":1254.36,"body":"it that you know, you personally"},{"speaker":"Average Joe Finances","startTime":1254.36,"endTime":1257.12,"body":"are doing on your journey to or"},{"speaker":"Average Joe Finances","startTime":1254.36,"endTime":1257.12,"body":"in financial freedom, because"},{"speaker":"Average Joe Finances","startTime":1257.12,"endTime":1260.48,"body":"we've, you brought this up a"},{"speaker":"Average Joe Finances","startTime":1257.12,"endTime":1260.48,"body":"couple times now, right? The"},{"speaker":"Average Joe Finances","startTime":1260.48,"endTime":1263.87,"body":"word financial independence, and"},{"speaker":"Average Joe Finances","startTime":1260.48,"endTime":1263.87,"body":"actually even the fire movement,"},{"speaker":"Average Joe Finances","startTime":1263.87,"endTime":1266.66,"body":"financial independence, retire"},{"speaker":"Average Joe Finances","startTime":1263.87,"endTime":1266.66,"body":"early, I'm actually wearing that"},{"speaker":"Average Joe Finances","startTime":1266.66,"endTime":1269.9,"body":"shirt. Maybe that's why I'm"},{"speaker":"Average Joe Finances","startTime":1266.66,"endTime":1269.9,"body":"talking about it, because I'm"},{"speaker":"Average Joe Finances","startTime":1269.9,"endTime":1274.49,"body":"seeing Oh, yeah, but so what is"},{"speaker":"Average Joe Finances","startTime":1269.9,"endTime":1274.49,"body":"it that you're doing like in"},{"speaker":"Average Joe Finances","startTime":1274.49,"endTime":1279.95,"body":"your own investing and like your"},{"speaker":"Average Joe Finances","startTime":1274.49,"endTime":1279.95,"body":"own strategy to get yourself to"},{"speaker":"Average Joe Finances","startTime":1279.95,"endTime":1281.15,"body":"financial independence,"},{"speaker":"Average Joe Finances","startTime":1281.39,"endTime":1284.69,"body":"Let's take a brief moment to"},{"speaker":"Average Joe Finances","startTime":1281.39,"endTime":1284.69,"body":"hear from our show sponsors."},{"speaker":"Average Joe Finances","startTime":1284.81,"endTime":1287.15,"body":"What's going on everybody. So"},{"speaker":"Average Joe Finances","startTime":1284.81,"endTime":1287.15,"body":"today, I want to talk to you"},{"speaker":"Average Joe Finances","startTime":1287.15,"endTime":1289.79,"body":"about the podcast editing"},{"speaker":"Average Joe Finances","startTime":1287.15,"endTime":1289.79,"body":"service that we use for the"},{"speaker":"Average Joe Finances","startTime":1289.79,"endTime":1294.47,"body":"Average Joe Finances podcast,"},{"speaker":"Average Joe Finances","startTime":1289.79,"endTime":1294.47,"body":"that is editpods.com. And what I"},{"speaker":"Average Joe Finances","startTime":1294.47,"endTime":1298.1,"body":"really like about them is it's a"},{"speaker":"Average Joe Finances","startTime":1294.47,"endTime":1298.1,"body":"subscription based service. So"},{"speaker":"Average Joe Finances","startTime":1298.1,"endTime":1302.3,"body":"the prices are fantastic. And"},{"speaker":"Average Joe Finances","startTime":1298.1,"endTime":1302.3,"body":"not only do they do the podcast"},{"speaker":"Average Joe Finances","startTime":1302.3,"endTime":1305.81,"body":"episodes for us, but they also"},{"speaker":"Average Joe Finances","startTime":1302.3,"endTime":1305.81,"body":"make us videos, audiograms,"},{"speaker":"Average Joe Finances","startTime":1305.84,"endTime":1308.78,"body":"social media captioned videos,"},{"speaker":"Average Joe Finances","startTime":1305.84,"endTime":1308.78,"body":"they do our show notes,"},{"speaker":"Average Joe Finances","startTime":1308.81,"endTime":1313.01,"body":"thumbnails, it's just fantastic"},{"speaker":"Average Joe Finances","startTime":1308.81,"endTime":1313.01,"body":"products. Go check them out at"},{"speaker":"Average Joe Finances","startTime":1313.07,"endTime":1313.88,"body":"editpods.com"},{"speaker":"Average Joe Finances","startTime":1315.35,"endTime":1317.63,"body":"What's going on everybody. So"},{"speaker":"Average Joe Finances","startTime":1315.35,"endTime":1317.63,"body":"today, I want to talk to you"},{"speaker":"Average Joe Finances","startTime":1317.63,"endTime":1321.17,"body":"about buzzsprout. The Average"},{"speaker":"Average Joe Finances","startTime":1317.63,"endTime":1321.17,"body":"Joe Finances podcast recently"},{"speaker":"Average Joe Finances","startTime":1321.17,"endTime":1324.59,"body":"switched over to buzzsprout. And"},{"speaker":"Average Joe Finances","startTime":1321.17,"endTime":1324.59,"body":"I gotta say, I am super happy"},{"speaker":"Average Joe Finances","startTime":1324.59,"endTime":1327.8,"body":"with the progress. Our podcast"},{"speaker":"Average Joe Finances","startTime":1324.59,"endTime":1327.8,"body":"is now on every single major"},{"speaker":"Average Joe Finances","startTime":1327.8,"endTime":1331.13,"body":"platform, and reaching audiences"},{"speaker":"Average Joe Finances","startTime":1327.8,"endTime":1331.13,"body":"that we couldn't reach before,"},{"speaker":"Average Joe Finances","startTime":1331.13,"endTime":1334.94,"body":"which is just super awesome. So"},{"speaker":"Average Joe Finances","startTime":1331.13,"endTime":1334.94,"body":"thank you to buzzsprout for"},{"speaker":"Average Joe Finances","startTime":1334.94,"endTime":1337.58,"body":"being such a great platform. But"},{"speaker":"Average Joe Finances","startTime":1334.94,"endTime":1337.58,"body":"also I want to say, Hey, guys,"},{"speaker":"Average Joe Finances","startTime":1337.79,"endTime":1340.61,"body":"if you sign up for buzzsprout,"},{"speaker":"Average Joe Finances","startTime":1337.79,"endTime":1340.61,"body":"and you sign up for their paid"},{"speaker":"Average Joe Finances","startTime":1340.61,"endTime":1344.36,"body":"plans, using our link, you'll"},{"speaker":"Average Joe Finances","startTime":1340.61,"endTime":1344.36,"body":"get a $20 amazon gift card. So"},{"speaker":"Average Joe Finances","startTime":1344.36,"endTime":1348.23,"body":"go check them out. It's"},{"speaker":"Average Joe Finances","startTime":1344.36,"endTime":1348.23,"body":"AverageJoefinances.com/buzzsprout."},{"speaker":"Average Joe Finances","startTime":1348.41,"endTime":1351.5,"body":"And we'll make sure the link is"},{"speaker":"Average Joe Finances","startTime":1348.41,"endTime":1351.5,"body":"in the show notes below. Let's"},{"speaker":"Average Joe Finances","startTime":1351.5,"endTime":1355.88,"body":"get back to today's episode."},{"speaker":"Average Joe Finances","startTime":1351.5,"endTime":1355.88,"body":"You're listening to the Average"},{"speaker":"Average Joe Finances","startTime":1355.88,"endTime":1360.47,"body":"Joe Finances podcast, whether"},{"speaker":"Average Joe Finances","startTime":1355.88,"endTime":1360.47,"body":"it's single or multifamily real"},{"speaker":"Average Joe Finances","startTime":1360.47,"endTime":1365.45,"body":"estate, the stock market or side"},{"speaker":"Average Joe Finances","startTime":1360.47,"endTime":1365.45,"body":"hustles we discuss it all strap"},{"speaker":"Average Joe Finances","startTime":1365.45,"endTime":1367.19,"body":"in and enjoy the ride."},{"speaker":"Brendan Lee Young","startTime":1368.6,"endTime":1370.49,"body":"You know what"},{"speaker":"Brendan Lee Young","startTime":1368.6,"endTime":1370.49,"body":"I have to be honest with you,"},{"speaker":"Brendan Lee Young","startTime":1370.52,"endTime":1374.78,"body":"I'm prone to to chasing shiny"},{"speaker":"Brendan Lee Young","startTime":1370.52,"endTime":1374.78,"body":"objects. So for me, it's all"},{"speaker":"Brendan Lee Young","startTime":1374.78,"endTime":1379.07,"body":"about sticking to that plan that"},{"speaker":"Brendan Lee Young","startTime":1374.78,"endTime":1379.07,"body":"I've got, like, for example,"},{"speaker":"Brendan Lee Young","startTime":1379.07,"endTime":1384.11,"body":"like GameStop, like, you know, I"},{"speaker":"Brendan Lee Young","startTime":1379.07,"endTime":1384.11,"body":"was I was I was tempted to get"},{"speaker":"Brendan Lee Young","startTime":1384.11,"endTime":1388.07,"body":"in Bitcoin, like I hope"},{"speaker":"Brendan Lee Young","startTime":1384.11,"endTime":1388.07,"body":"speculatively. But that's just"},{"speaker":"Brendan Lee Young","startTime":1388.07,"endTime":1391.85,"body":"fear of missing out. But I'm"},{"speaker":"Brendan Lee Young","startTime":1388.07,"endTime":1391.85,"body":"like playing with money that I"},{"speaker":"Brendan Lee Young","startTime":1391.85,"endTime":1397.19,"body":"don't mind losing or speculate,"},{"speaker":"Brendan Lee Young","startTime":1391.85,"endTime":1397.19,"body":"speculating with the large"},{"speaker":"Brendan Lee Young","startTime":1397.19,"endTime":1401.9,"body":"majority of my, my, my assets"},{"speaker":"Brendan Lee Young","startTime":1397.19,"endTime":1401.9,"body":"are in index funds. And so I, I"},{"speaker":"Brendan Lee Young","startTime":1401.9,"endTime":1407.0,"body":"continuously contribute to my,"},{"speaker":"Brendan Lee Young","startTime":1401.9,"endTime":1407.0,"body":"my portfolio, but if I save"},{"speaker":"Brendan Lee Young","startTime":1407.0,"endTime":1411.74,"body":"extra money, I, instead of like"},{"speaker":"Brendan Lee Young","startTime":1407.0,"endTime":1411.74,"body":"dumping it into the index fund,"},{"speaker":"Brendan Lee Young","startTime":1411.74,"endTime":1415.82,"body":"I take some money allocated into"},{"speaker":"Brendan Lee Young","startTime":1411.74,"endTime":1415.82,"body":"speculative bets. So I sort of"},{"speaker":"Brendan Lee Young","startTime":1415.82,"endTime":1418.19,"body":"like forced myself to say, okay,"},{"speaker":"Brendan Lee Young","startTime":1415.82,"endTime":1418.19,"body":"Brandon, if you want to make a"},{"speaker":"Brendan Lee Young","startTime":1418.19,"endTime":1423.38,"body":"speculative bet, then you got to"},{"speaker":"Brendan Lee Young","startTime":1418.19,"endTime":1423.38,"body":"pay to have the right to make"},{"speaker":"Brendan Lee Young","startTime":1423.38,"endTime":1427.64,"body":"that speculative bet. So I would"},{"speaker":"Brendan Lee Young","startTime":1423.38,"endTime":1427.64,"body":"cut my spending in a certain"},{"speaker":"Brendan Lee Young","startTime":1427.64,"endTime":1430.58,"body":"area, like maybe I wouldn't go"},{"speaker":"Brendan Lee Young","startTime":1427.64,"endTime":1430.58,"body":"out for a bit. For the past"},{"speaker":"Brendan Lee Young","startTime":1430.58,"endTime":1433.43,"body":"year, that wasn't a problem,"},{"speaker":"Brendan Lee Young","startTime":1430.58,"endTime":1433.43,"body":"because we were all like, locked"},{"speaker":"Brendan Lee Young","startTime":1433.43,"endTime":1439.55,"body":"down under COVID. Right. So I"},{"speaker":"Brendan Lee Young","startTime":1433.43,"endTime":1439.55,"body":"saved a lot of money. And I had"},{"speaker":"Brendan Lee Young","startTime":1439.55,"endTime":1442.73,"body":"money. And so I just allocated"},{"speaker":"Brendan Lee Young","startTime":1439.55,"endTime":1442.73,"body":"it into a few speculative bets."},{"speaker":"Brendan Lee Young","startTime":1442.73,"endTime":1448.67,"body":"And so I yes, I invested in"},{"speaker":"Brendan Lee Young","startTime":1442.73,"endTime":1448.67,"body":"GameStop I lost Yeah, I lost I"},{"speaker":"Brendan Lee Young","startTime":1448.67,"endTime":1453.02,"body":"thought I thought we were going"},{"speaker":"Brendan Lee Young","startTime":1448.67,"endTime":1453.02,"body":"to the moon and I ended up"},{"speaker":"Brendan Lee Young","startTime":1453.02,"endTime":1459.29,"body":"holding the bag. I did invest in"},{"speaker":"Brendan Lee Young","startTime":1453.02,"endTime":1459.29,"body":"Bitcoin, and aetherium. So, you"},{"speaker":"Brendan Lee Young","startTime":1459.29,"endTime":1463.04,"body":"know, I'm seeing those things as"},{"speaker":"Brendan Lee Young","startTime":1459.29,"endTime":1463.04,"body":"more long term speculative"},{"speaker":"Brendan Lee Young","startTime":1463.04,"endTime":1466.04,"body":"holdings that Yeah, could be"},{"speaker":"Brendan Lee Young","startTime":1463.04,"endTime":1466.04,"body":"interested in. So like, I don't"},{"speaker":"Brendan Lee Young","startTime":1466.04,"endTime":1469.67,"body":"really care if it goes down or"},{"speaker":"Brendan Lee Young","startTime":1466.04,"endTime":1469.67,"body":"up, but to, to really, really"},{"speaker":"Brendan Lee Young","startTime":1469.67,"endTime":1472.82,"body":"speak to it if I had to"},{"speaker":"Brendan Lee Young","startTime":1469.67,"endTime":1472.82,"body":"summarize it is have a plan"},{"speaker":"Brendan Lee Young","startTime":1472.82,"endTime":1476.12,"body":"stick to it. If you're gonna"},{"speaker":"Brendan Lee Young","startTime":1472.82,"endTime":1476.12,"body":"speculate, don't speculate with"},{"speaker":"Brendan Lee Young","startTime":1476.12,"endTime":1478.76,"body":"the money that you're trying to"},{"speaker":"Brendan Lee Young","startTime":1476.12,"endTime":1478.76,"body":"save towards your plan, like"},{"speaker":"Brendan Lee Young","startTime":1478.79,"endTime":1483.59,"body":"find that money in some sort of"},{"speaker":"Brendan Lee Young","startTime":1478.79,"endTime":1483.59,"body":"a side pocket, you know, like"},{"speaker":"Brendan Lee Young","startTime":1483.59,"endTime":1487.64,"body":"you You sort of like, save extra"},{"speaker":"Brendan Lee Young","startTime":1483.59,"endTime":1487.64,"body":"for by not spending and then you"},{"speaker":"Brendan Lee Young","startTime":1487.64,"endTime":1490.94,"body":"can maybe use that money for"},{"speaker":"Brendan Lee Young","startTime":1487.64,"endTime":1490.94,"body":"your speculative stuff, although"},{"speaker":"Brendan Lee Young","startTime":1490.94,"endTime":1494.24,"body":"like some would argue well, why"},{"speaker":"Brendan Lee Young","startTime":1490.94,"endTime":1494.24,"body":"don't you just contribute it to"},{"speaker":"Brendan Lee Young","startTime":1494.24,"endTime":1498.41,"body":"your index fund, which probably"},{"speaker":"Brendan Lee Young","startTime":1494.24,"endTime":1498.41,"body":"you should do too. But like, I"},{"speaker":"Brendan Lee Young","startTime":1498.41,"endTime":1502.64,"body":"just I just like to speculate"},{"speaker":"Brendan Lee Young","startTime":1498.41,"endTime":1502.64,"body":"It's a bit more and so I'm fine"},{"speaker":"Brendan Lee Young","startTime":1502.64,"endTime":1505.01,"body":"with with whatever I lost. But"},{"speaker":"Brendan Lee Young","startTime":1502.64,"endTime":1505.01,"body":"the point is, is just stick to"},{"speaker":"Brendan Lee Young","startTime":1505.01,"endTime":1508.67,"body":"your plan and don't like deviate"},{"speaker":"Brendan Lee Young","startTime":1505.01,"endTime":1508.67,"body":"or gamble with stuff that you"},{"speaker":"Brendan Lee Young","startTime":1508.67,"endTime":1510.29,"body":"know you can't afford it"},{"speaker":"Average Joe Finances","startTime":1510.29,"endTime":1511.88,"body":"You said"},{"speaker":"Average Joe Finances","startTime":1510.29,"endTime":1511.88,"body":"don't deviate or gamble. Right?"},{"speaker":"Average Joe Finances","startTime":1511.88,"endTime":1514.4,"body":"But that's that's exactly what"},{"speaker":"Average Joe Finances","startTime":1511.88,"endTime":1514.4,"body":"speculations are right? It's a"},{"speaker":"Average Joe Finances","startTime":1514.4,"endTime":1517.61,"body":"gamble. And you said it right"},{"speaker":"Average Joe Finances","startTime":1514.4,"endTime":1517.61,"body":"the first time, right? When you"},{"speaker":"Average Joe Finances","startTime":1517.61,"endTime":1521.21,"body":"were saying, Oh, you know, I put"},{"speaker":"Average Joe Finances","startTime":1517.61,"endTime":1521.21,"body":"these in as a bet, right?"},{"speaker":"Average Joe Finances","startTime":1521.87,"endTime":1523.61,"body":"Because that's what it is what"},{"speaker":"Average Joe Finances","startTime":1521.87,"endTime":1523.61,"body":"you're doing when you speculate"},{"speaker":"Average Joe Finances","startTime":1523.61,"endTime":1528.02,"body":"it's a bet, and you can win big"},{"speaker":"Average Joe Finances","startTime":1523.61,"endTime":1528.02,"body":"or you can lose big, right? But"},{"speaker":"Average Joe Finances","startTime":1528.02,"endTime":1532.7,"body":"the thing is, is you still had"},{"speaker":"Average Joe Finances","startTime":1528.02,"endTime":1532.7,"body":"your allocation set up that you"},{"speaker":"Average Joe Finances","startTime":1532.7,"endTime":1536.27,"body":"know what you're going to"},{"speaker":"Average Joe Finances","startTime":1532.7,"endTime":1536.27,"body":"contribute to your, your main"},{"speaker":"Average Joe Finances","startTime":1536.33,"endTime":1538.52,"body":"accounts, right, your index"},{"speaker":"Average Joe Finances","startTime":1536.33,"endTime":1538.52,"body":"funds, and what it is that"},{"speaker":"Average Joe Finances","startTime":1538.52,"endTime":1541.1,"body":"you're saving up for retirement,"},{"speaker":"Average Joe Finances","startTime":1538.52,"endTime":1541.1,"body":"right, what you're saving up for"},{"speaker":"Average Joe Finances","startTime":1541.1,"endTime":1543.26,"body":"your own financial independence,"},{"speaker":"Average Joe Finances","startTime":1541.1,"endTime":1543.26,"body":"you didn't take away from that"},{"speaker":"Average Joe Finances","startTime":1543.56,"endTime":1547.91,"body":"you decided, Okay, if I want to"},{"speaker":"Average Joe Finances","startTime":1543.56,"endTime":1547.91,"body":"speculate a little bit and put a"},{"speaker":"Average Joe Finances","startTime":1547.91,"endTime":1551.42,"body":"little money into something that"},{"speaker":"Average Joe Finances","startTime":1547.91,"endTime":1551.42,"body":"I'm going to bet on, this is"},{"speaker":"Average Joe Finances","startTime":1551.42,"endTime":1554.33,"body":"money, you know, I'm gonna knock"},{"speaker":"Average Joe Finances","startTime":1551.42,"endTime":1554.33,"body":"it out, I'm gonna, you know,"},{"speaker":"Average Joe Finances","startTime":1554.33,"endTime":1557.09,"body":"take away a little bit from this"},{"speaker":"Average Joe Finances","startTime":1554.33,"endTime":1557.09,"body":"a little bit from that, and you"},{"speaker":"Average Joe Finances","startTime":1557.09,"endTime":1562.1,"body":"kind of reallocated your own"},{"speaker":"Average Joe Finances","startTime":1557.09,"endTime":1562.1,"body":"personal funds, right to use"},{"speaker":"Average Joe Finances","startTime":1562.1,"endTime":1565.64,"body":"that money towards that. And I"},{"speaker":"Average Joe Finances","startTime":1562.1,"endTime":1565.64,"body":"think that's super important for"},{"speaker":"Average Joe Finances","startTime":1565.94,"endTime":1569.84,"body":"anyone who's listening right now"},{"speaker":"Average Joe Finances","startTime":1565.94,"endTime":1569.84,"body":"is that, you know, don't take"},{"speaker":"Average Joe Finances","startTime":1569.84,"endTime":1573.59,"body":"away from whatever your current"},{"speaker":"Average Joe Finances","startTime":1569.84,"endTime":1573.59,"body":"plan is, like, if you have a"},{"speaker":"Average Joe Finances","startTime":1573.59,"endTime":1577.16,"body":"really good plan to get yourself"},{"speaker":"Average Joe Finances","startTime":1573.59,"endTime":1577.16,"body":"financially free and financially"},{"speaker":"Average Joe Finances","startTime":1577.16,"endTime":1580.94,"body":"independent, and you decide you"},{"speaker":"Average Joe Finances","startTime":1577.16,"endTime":1580.94,"body":"want to start, you know, playing"},{"speaker":"Average Joe Finances","startTime":1580.94,"endTime":1583.4,"body":"around a little bit with some"},{"speaker":"Average Joe Finances","startTime":1580.94,"endTime":1583.4,"body":"speculations and stuff, don't"},{"speaker":"Average Joe Finances","startTime":1583.43,"endTime":1587.54,"body":"deviate from your original plan."},{"speaker":"Average Joe Finances","startTime":1583.43,"endTime":1587.54,"body":"If you have some extra cash to"},{"speaker":"Average Joe Finances","startTime":1587.54,"endTime":1591.26,"body":"do that with, then sure, you"},{"speaker":"Average Joe Finances","startTime":1587.54,"endTime":1591.26,"body":"know, but don't deviate from"},{"speaker":"Average Joe Finances","startTime":1591.26,"endTime":1594.98,"body":"what it is you're doing play it"},{"speaker":"Average Joe Finances","startTime":1591.26,"endTime":1594.98,"body":"safe, which is exactly what what"},{"speaker":"Average Joe Finances","startTime":1595.1,"endTime":1599.09,"body":"Brandon here was doing. So I'm"},{"speaker":"Average Joe Finances","startTime":1595.1,"endTime":1599.09,"body":"just glad to hear that you"},{"speaker":"Average Joe Finances","startTime":1599.09,"endTime":1602.18,"body":"didn't take away from what you"},{"speaker":"Average Joe Finances","startTime":1599.09,"endTime":1602.18,"body":"would normally contribute, you"},{"speaker":"Average Joe Finances","startTime":1602.18,"endTime":1605.12,"body":"know, towards your financial"},{"speaker":"Average Joe Finances","startTime":1602.18,"endTime":1605.12,"body":"independence goal. And that,"},{"speaker":"Average Joe Finances","startTime":1605.12,"endTime":1608.06,"body":"yeah, you know, you took away"},{"speaker":"Average Joe Finances","startTime":1605.12,"endTime":1608.06,"body":"from yourself, like, you went"},{"speaker":"Average Joe Finances","startTime":1608.06,"endTime":1609.86,"body":"out less and things like that."},{"speaker":"Average Joe Finances","startTime":1608.06,"endTime":1609.86,"body":"So,"},{"speaker":"Brendan Lee Young","startTime":1610.309,"endTime":1613.369,"body":"so, so funny"},{"speaker":"Brendan Lee Young","startTime":1610.309,"endTime":1613.369,"body":"story is that like, like, 50% of"},{"speaker":"Brendan Lee Young","startTime":1613.369,"endTime":1617.539,"body":"the time. When you when I did"},{"speaker":"Brendan Lee Young","startTime":1613.369,"endTime":1617.539,"body":"that, I looked at the"},{"speaker":"Brendan Lee Young","startTime":1617.569,"endTime":1621.199,"body":"opportunity because like, Ah,"},{"speaker":"Brendan Lee Young","startTime":1617.569,"endTime":1621.199,"body":"geez, I, I could have gone out."},{"speaker":"Brendan Lee Young","startTime":1621.229,"endTime":1626.029,"body":"And if I risk losing this money"},{"speaker":"Brendan Lee Young","startTime":1621.229,"endTime":1626.029,"body":"in a speculative bet. Now it"},{"speaker":"Brendan Lee Young","startTime":1626.029,"endTime":1628.819,"body":"sucks. You know what, I'm gonna"},{"speaker":"Brendan Lee Young","startTime":1626.029,"endTime":1628.819,"body":"dump this to the index funds"},{"speaker":"Brendan Lee Young","startTime":1628.819,"endTime":1632.539,"body":"that I would have done anyway."},{"speaker":"Brendan Lee Young","startTime":1628.819,"endTime":1632.539,"body":"So like, it was a way to trick"},{"speaker":"Brendan Lee Young","startTime":1632.539,"endTime":1637.609,"body":"myself because it's almost like"},{"speaker":"Brendan Lee Young","startTime":1632.539,"endTime":1637.609,"body":"50% of time. Like I said, I just"},{"speaker":"Brendan Lee Young","startTime":1637.609,"endTime":1640.519,"body":"wouldn't make the speculative"},{"speaker":"Brendan Lee Young","startTime":1637.609,"endTime":1640.519,"body":"bet. And so I would end up"},{"speaker":"Brendan Lee Young","startTime":1640.519,"endTime":1643.399,"body":"contributing a bit more to those"},{"speaker":"Brendan Lee Young","startTime":1640.519,"endTime":1643.399,"body":"index funds. So it sort of was"},{"speaker":"Brendan Lee Young","startTime":1643.399,"endTime":1646.519,"body":"like a check for me that work"},{"speaker":"Brendan Lee Young","startTime":1643.399,"endTime":1646.519,"body":"because I, I know myself, so"},{"speaker":"Brendan Lee Young","startTime":1646.519,"endTime":1649.669,"body":"like, funny story I used to, I"},{"speaker":"Brendan Lee Young","startTime":1646.519,"endTime":1649.669,"body":"used to gamble a bit, I sipped a"},{"speaker":"Brendan Lee Young","startTime":1649.669,"endTime":1654.079,"body":"lot of blackjack. And that's"},{"speaker":"Brendan Lee Young","startTime":1649.669,"endTime":1654.079,"body":"sort of what really got me I"},{"speaker":"Brendan Lee Young","startTime":1654.079,"endTime":1656.209,"body":"know, I talked about, like,"},{"speaker":"Brendan Lee Young","startTime":1654.079,"endTime":1656.209,"body":"getting into real estate"},{"speaker":"Brendan Lee Young","startTime":1656.209,"endTime":1659.659,"body":"investing and stuff. But like,"},{"speaker":"Brendan Lee Young","startTime":1656.209,"endTime":1659.659,"body":"if you ever if someone has ever"},{"speaker":"Brendan Lee Young","startTime":1659.659,"endTime":1663.139,"body":"gambled, I hope you're not"},{"speaker":"Brendan Lee Young","startTime":1659.659,"endTime":1663.139,"body":"gambling anymore. But if ever"},{"speaker":"Brendan Lee Young","startTime":1663.139,"endTime":1666.889,"body":"you gambled, and you've seen"},{"speaker":"Brendan Lee Young","startTime":1663.139,"endTime":1666.889,"body":"lost a lot of money or seen"},{"speaker":"Brendan Lee Young","startTime":1666.889,"endTime":1670.639,"body":"someone lost a lot of money, it"},{"speaker":"Brendan Lee Young","startTime":1666.889,"endTime":1670.639,"body":"changes your world, once you"},{"speaker":"Brendan Lee Young","startTime":1670.639,"endTime":1674.569,"body":"could get out of it. And so like"},{"speaker":"Brendan Lee Young","startTime":1670.639,"endTime":1674.569,"body":"I did that at a young age, and"},{"speaker":"Brendan Lee Young","startTime":1675.529,"endTime":1679.549,"body":"it didn't help that, like I was"},{"speaker":"Brendan Lee Young","startTime":1675.529,"endTime":1679.549,"body":"quote, unquote, like, winning,"},{"speaker":"Brendan Lee Young","startTime":1679.579,"endTime":1682.309,"body":"you do mental model all the time"},{"speaker":"Brendan Lee Young","startTime":1679.579,"endTime":1682.309,"body":"thinking you're winning, but you"},{"speaker":"Brendan Lee Young","startTime":1682.309,"endTime":1686.149,"body":"really don't. So maybe I was"},{"speaker":"Brendan Lee Young","startTime":1682.309,"endTime":1686.149,"body":"still losing. But I watched this"},{"speaker":"Brendan Lee Young","startTime":1686.149,"endTime":1689.359,"body":"guy lose like $50,000 in the"},{"speaker":"Brendan Lee Young","startTime":1686.149,"endTime":1689.359,"body":"space of five minutes. I was"},{"speaker":"Brendan Lee Young","startTime":1689.359,"endTime":1692.269,"body":"like, What am I doing here?"},{"speaker":"Brendan Lee Young","startTime":1689.359,"endTime":1692.269,"body":"Like, why am I here on a Friday"},{"speaker":"Brendan Lee Young","startTime":1692.269,"endTime":1696.469,"body":"night with my buddies, this"},{"speaker":"Brendan Lee Young","startTime":1692.269,"endTime":1696.469,"body":"guy's losing 50 grand. And I'm"},{"speaker":"Brendan Lee Young","startTime":1696.469,"endTime":1699.979,"body":"like, here trying to play 550"},{"speaker":"Brendan Lee Young","startTime":1696.469,"endTime":1699.979,"body":"dollar hands, right? While"},{"speaker":"Brendan Lee Young","startTime":1699.979,"endTime":1704.359,"body":"buddies just lost his house. And"},{"speaker":"Brendan Lee Young","startTime":1699.979,"endTime":1704.359,"body":"that totally, totally woke me"},{"speaker":"Brendan Lee Young","startTime":1704.359,"endTime":1707.809,"body":"up. And why Yeah, I just woke me"},{"speaker":"Brendan Lee Young","startTime":1704.359,"endTime":1707.809,"body":"up. I was like, This isn't"},{"speaker":"Brendan Lee Young","startTime":1707.809,"endTime":1711.019,"body":"making any sense. This is not"},{"speaker":"Brendan Lee Young","startTime":1707.809,"endTime":1711.019,"body":"sustainable. I got to invest in"},{"speaker":"Brendan Lee Young","startTime":1711.019,"endTime":1714.229,"body":"myself, I got to find a way to"},{"speaker":"Brendan Lee Young","startTime":1711.019,"endTime":1714.229,"body":"make income that's like true a"},{"speaker":"Brendan Lee Young","startTime":1714.229,"endTime":1717.649,"body":"business or to real estate."},{"speaker":"Brendan Lee Young","startTime":1714.229,"endTime":1717.649,"body":"Like, it's just not sustainable."},{"speaker":"Brendan Lee Young","startTime":1717.649,"endTime":1721.129,"body":"And so I don't often like to"},{"speaker":"Brendan Lee Young","startTime":1717.649,"endTime":1721.129,"body":"lead with it. But since we got"},{"speaker":"Brendan Lee Young","startTime":1721.129,"endTime":1725.179,"body":"into like, what I do for it sort"},{"speaker":"Brendan Lee Young","startTime":1721.129,"endTime":1725.179,"body":"of paints the picture as to why"},{"speaker":"Brendan Lee Young","startTime":1725.179,"endTime":1727.939,"body":"I do what I do when it looks to"},{"speaker":"Brendan Lee Young","startTime":1725.179,"endTime":1727.939,"body":"me, but that doesn't mean"},{"speaker":"Brendan Lee Young","startTime":1727.939,"endTime":1731.119,"body":"they'll work for someone else."},{"speaker":"Brendan Lee Young","startTime":1727.939,"endTime":1731.119,"body":"But you got to know yourself"},{"speaker":"Brendan Lee Young","startTime":1731.119,"endTime":1735.559,"body":"too. And so once you know, what"},{"speaker":"Brendan Lee Young","startTime":1731.119,"endTime":1735.559,"body":"triggers you to do things, if"},{"speaker":"Brendan Lee Young","startTime":1735.559,"endTime":1739.789,"body":"you could design processes that"},{"speaker":"Brendan Lee Young","startTime":1735.559,"endTime":1739.789,"body":"sort of act as circuit breakers"},{"speaker":"Brendan Lee Young","startTime":1739.789,"endTime":1744.859,"body":"to help you either stick to your"},{"speaker":"Brendan Lee Young","startTime":1739.789,"endTime":1744.859,"body":"plan or not deviate from your"},{"speaker":"Brendan Lee Young","startTime":1744.859,"endTime":1747.529,"body":"plan. You end up doing it. So"},{"speaker":"Brendan Lee Young","startTime":1744.859,"endTime":1747.529,"body":"yeah,"},{"speaker":"Average Joe Finances","startTime":1747.589,"endTime":1749.299,"body":"yeah. So"},{"speaker":"Average Joe Finances","startTime":1747.589,"endTime":1749.299,"body":"you know, what that sounds like,"},{"speaker":"Average Joe Finances","startTime":1749.299,"endTime":1752.629,"body":"to me is like you had a huge"},{"speaker":"Average Joe Finances","startTime":1749.299,"endTime":1752.629,"body":"mindset shift. Right? Yeah, it"},{"speaker":"Average Joe Finances","startTime":1752.629,"endTime":1755.449,"body":"was kind of like an aha moment"},{"speaker":"Average Joe Finances","startTime":1752.629,"endTime":1755.449,"body":"when you saw that happen. I"},{"speaker":"Average Joe Finances","startTime":1755.449,"endTime":1757.939,"body":"mean, I know if I'm sitting at a"},{"speaker":"Average Joe Finances","startTime":1755.449,"endTime":1757.939,"body":"table next someone I just"},{"speaker":"Average Joe Finances","startTime":1757.939,"endTime":1760.099,"body":"watched him lose 50 grand, I"},{"speaker":"Average Joe Finances","startTime":1757.939,"endTime":1760.099,"body":"would I would start questioning"},{"speaker":"Average Joe Finances","startTime":1760.099,"endTime":1763.789,"body":"why the hell am I sitting here"},{"speaker":"Average Joe Finances","startTime":1760.099,"endTime":1763.789,"body":"right now, too, you know. But"},{"speaker":"Average Joe Finances","startTime":1763.819,"endTime":1767.539,"body":"the funny thing is what you said"},{"speaker":"Average Joe Finances","startTime":1763.819,"endTime":1767.539,"body":"earlier, before that you were"},{"speaker":"Average Joe Finances","startTime":1767.539,"endTime":1770.329,"body":"talking about how you were like,"},{"speaker":"Average Joe Finances","startTime":1767.539,"endTime":1770.329,"body":"Huh, you know, some of this"},{"speaker":"Average Joe Finances","startTime":1770.329,"endTime":1773.509,"body":"extra money that I set to the"},{"speaker":"Average Joe Finances","startTime":1770.329,"endTime":1773.509,"body":"side for speculations. You know,"},{"speaker":"Average Joe Finances","startTime":1773.509,"endTime":1775.099,"body":"I couldn't use that to go out."},{"speaker":"Average Joe Finances","startTime":1773.509,"endTime":1775.099,"body":"But you know what, I'm going to"},{"speaker":"Average Joe Finances","startTime":1775.099,"endTime":1778.699,"body":"double down and put it in more"},{"speaker":"Average Joe Finances","startTime":1775.099,"endTime":1778.699,"body":"of my index funds and ETFs. So"},{"speaker":"Average Joe Finances","startTime":1778.699,"endTime":1782.689,"body":"it's funny because I have a play"},{"speaker":"Average Joe Finances","startTime":1778.699,"endTime":1782.689,"body":"money account, right? that I use"},{"speaker":"Average Joe Finances","startTime":1782.689,"endTime":1787.729,"body":"for speculations and things like"},{"speaker":"Average Joe Finances","startTime":1782.689,"endTime":1787.729,"body":"that. And just as I was messing"},{"speaker":"Average Joe Finances","startTime":1787.729,"endTime":1792.019,"body":"around with it, I wound up"},{"speaker":"Average Joe Finances","startTime":1787.729,"endTime":1792.019,"body":"somehow, like at the point now"},{"speaker":"Average Joe Finances","startTime":1792.019,"endTime":1795.799,"body":"where pretty much everything in"},{"speaker":"Average Joe Finances","startTime":1792.019,"endTime":1795.799,"body":"there is a dividend paying asset"},{"speaker":"Average Joe Finances","startTime":1795.829,"endTime":1799.969,"body":"that that is, you know, that"},{"speaker":"Average Joe Finances","startTime":1795.829,"endTime":1799.969,"body":"stays pretty steady. And it's"},{"speaker":"Average Joe Finances","startTime":1799.999,"endTime":1804.319,"body":"Like no longer in speculation,"},{"speaker":"Average Joe Finances","startTime":1799.999,"endTime":1804.319,"body":"so few stocks that have invested"},{"speaker":"Average Joe Finances","startTime":1804.319,"endTime":1807.529,"body":"in right now there's"},{"speaker":"Average Joe Finances","startTime":1804.319,"endTime":1807.529,"body":"speculations and everything else"},{"speaker":"Average Joe Finances","startTime":1807.529,"endTime":1812.239,"body":"is like a real estate investment"},{"speaker":"Average Joe Finances","startTime":1807.529,"endTime":1812.239,"body":"trust or an index fund. And I'm"},{"speaker":"Average Joe Finances","startTime":1812.239,"endTime":1815.029,"body":"like, oh, that this was supposed"},{"speaker":"Average Joe Finances","startTime":1812.239,"endTime":1815.029,"body":"to be my play money. How did"},{"speaker":"Average Joe Finances","startTime":1815.029,"endTime":1819.199,"body":"this happen? And, you know, I"},{"speaker":"Average Joe Finances","startTime":1815.029,"endTime":1819.199,"body":"got to say, over the past year,"},{"speaker":"Average Joe Finances","startTime":1819.199,"endTime":1822.919,"body":"it's up 30%. So I'm not gonna"},{"speaker":"Average Joe Finances","startTime":1819.199,"endTime":1822.919,"body":"complain about that."},{"speaker":"Brendan Lee Young","startTime":1823.22,"endTime":1825.26,"body":"You know"},{"speaker":"Brendan Lee Young","startTime":1823.22,"endTime":1825.26,"body":"what, though? It's easy. It was"},{"speaker":"Brendan Lee Young","startTime":1825.26,"endTime":1829.28,"body":"so easy in the past 12 months to"},{"speaker":"Brendan Lee Young","startTime":1825.26,"endTime":1829.28,"body":"be up 30%. Right, like, right,"},{"speaker":"Brendan Lee Young","startTime":1829.28,"endTime":1832.04,"body":"like, like, why wouldn't you"},{"speaker":"Brendan Lee Young","startTime":1829.28,"endTime":1832.04,"body":"speculate? And so that's the"},{"speaker":"Brendan Lee Young","startTime":1832.04,"endTime":1836.45,"body":"other thing. It's like, like,"},{"speaker":"Brendan Lee Young","startTime":1832.04,"endTime":1836.45,"body":"what I have made that money in a"},{"speaker":"Brendan Lee Young","startTime":1836.45,"endTime":1839.63,"body":"normal year, that wasn't a"},{"speaker":"Brendan Lee Young","startTime":1836.45,"endTime":1839.63,"body":"crash? Would it? Would it have"},{"speaker":"Brendan Lee Young","startTime":1839.63,"endTime":1844.73,"body":"been 30%? Would it have been"},{"speaker":"Brendan Lee Young","startTime":1839.63,"endTime":1844.73,"body":"more would have been less? Yeah,"},{"speaker":"Brendan Lee Young","startTime":1844.73,"endTime":1847.28,"body":"I find that interesting. But"},{"speaker":"Brendan Lee Young","startTime":1844.73,"endTime":1847.28,"body":"doesn't it feel good that when"},{"speaker":"Brendan Lee Young","startTime":1847.28,"endTime":1850.73,"body":"you when you make that sort of"},{"speaker":"Brendan Lee Young","startTime":1847.28,"endTime":1850.73,"body":"speculative bets, and you, you,"},{"speaker":"Brendan Lee Young","startTime":1850.76,"endTime":1854.12,"body":"you, sometimes you divest and"},{"speaker":"Brendan Lee Young","startTime":1850.76,"endTime":1854.12,"body":"you, you, you take profit, you"},{"speaker":"Brendan Lee Young","startTime":1854.12,"endTime":1857.24,"body":"put that back into index funds,"},{"speaker":"Brendan Lee Young","startTime":1854.12,"endTime":1857.24,"body":"and then you, you let the"},{"speaker":"Brendan Lee Young","startTime":1857.24,"endTime":1860.99,"body":"remainder just ride and see if"},{"speaker":"Brendan Lee Young","startTime":1857.24,"endTime":1860.99,"body":"see if it multiplies, right."},{"speaker":"Average Joe Finances","startTime":1861.17,"endTime":1866.03,"body":"Let me"},{"speaker":"Average Joe Finances","startTime":1861.17,"endTime":1866.03,"body":"clarify a little bit. So the 30%"},{"speaker":"Average Joe Finances","startTime":1866.06,"endTime":1872.09,"body":"gain is on the safer stocks."},{"speaker":"Average Joe Finances","startTime":1866.06,"endTime":1872.09,"body":"There was some I did, I did go"},{"speaker":"Average Joe Finances","startTime":1872.09,"endTime":1877.76,"body":"100% in one stock, and I doubled"},{"speaker":"Average Joe Finances","startTime":1872.09,"endTime":1877.76,"body":"my money, it was awesome. But I"},{"speaker":"Average Joe Finances","startTime":1877.76,"endTime":1880.55,"body":"also really messed that one up,"},{"speaker":"Average Joe Finances","startTime":1877.76,"endTime":1880.55,"body":"because I pulled out because I"},{"speaker":"Average Joe Finances","startTime":1880.55,"endTime":1883.46,"body":"double my money when I shouldn't"},{"speaker":"Average Joe Finances","startTime":1880.55,"endTime":1883.46,"body":"let it sit there. I even told"},{"speaker":"Average Joe Finances","startTime":1883.46,"endTime":1887.09,"body":"myself, so I'm going to buy this"},{"speaker":"Average Joe Finances","startTime":1883.46,"endTime":1887.09,"body":"one and hold it until it goes, I"},{"speaker":"Average Joe Finances","startTime":1887.09,"endTime":1891.89,"body":"bought this particular stock at"},{"speaker":"Average Joe Finances","startTime":1887.09,"endTime":1891.89,"body":"$2.02 a share, I bought about"},{"speaker":"Average Joe Finances","startTime":1891.89,"endTime":1896.93,"body":"$4,000 worth it doubled, I made"},{"speaker":"Average Joe Finances","startTime":1891.89,"endTime":1896.93,"body":"a little over 8000 a while a"},{"speaker":"Average Joe Finances","startTime":1896.93,"endTime":1900.65,"body":"little over 4000 in profit, I"},{"speaker":"Average Joe Finances","startTime":1896.93,"endTime":1900.65,"body":"cashed it out and put it in a"},{"speaker":"Average Joe Finances","startTime":1900.65,"endTime":1904.46,"body":"read. And problem is three"},{"speaker":"Average Joe Finances","startTime":1900.65,"endTime":1904.46,"body":"months later, that same stock"},{"speaker":"Average Joe Finances","startTime":1904.46,"endTime":1909.11,"body":"that I bought at $2.02, a share"},{"speaker":"Average Joe Finances","startTime":1904.46,"endTime":1909.11,"body":"went up to $68 and change that"},{"speaker":"Average Joe Finances","startTime":1909.14,"endTime":1914.09,"body":"initial investment would have"},{"speaker":"Average Joe Finances","startTime":1909.14,"endTime":1914.09,"body":"been worth $500,000. What I"},{"speaker":"Average Joe Finances","startTime":1914.09,"endTime":1916.67,"body":"should have did was take that"},{"speaker":"Average Joe Finances","startTime":1914.09,"endTime":1916.67,"body":"4000 out that I initially"},{"speaker":"Average Joe Finances","startTime":1916.67,"endTime":1921.23,"body":"invested and put that back,"},{"speaker":"Average Joe Finances","startTime":1916.67,"endTime":1921.23,"body":"right I'm sorry, the 2000 I I'm"},{"speaker":"Average Joe Finances","startTime":1921.23,"endTime":1923.66,"body":"sorry, it was 40. Because 2000"},{"speaker":"Average Joe Finances","startTime":1921.23,"endTime":1923.66,"body":"shares that I bought, but I"},{"speaker":"Average Joe Finances","startTime":1923.66,"endTime":1926.24,"body":"should have taken that out and"},{"speaker":"Average Joe Finances","startTime":1923.66,"endTime":1926.24,"body":"just let the rest sit because"},{"speaker":"Average Joe Finances","startTime":1926.24,"endTime":1929.75,"body":"now I'm playing with house"},{"speaker":"Average Joe Finances","startTime":1926.24,"endTime":1929.75,"body":"money. Right? And even then that"},{"speaker":"Average Joe Finances","startTime":1929.75,"endTime":1933.83,"body":"would have been about 250,000."},{"speaker":"Average Joe Finances","startTime":1929.75,"endTime":1933.83,"body":"But I was like, Oh no, no, I"},{"speaker":"Average Joe Finances","startTime":1933.83,"endTime":1938.03,"body":"doubled my money. I'm good, I'm"},{"speaker":"Average Joe Finances","startTime":1933.83,"endTime":1938.03,"body":"happy. And I still kick myself"},{"speaker":"Average Joe Finances","startTime":1938.03,"endTime":1942.35,"body":"in the in the button for that."},{"speaker":"Average Joe Finances","startTime":1938.03,"endTime":1942.35,"body":"But at the same time, I really"},{"speaker":"Average Joe Finances","startTime":1942.35,"endTime":1944.21,"body":"can't complain because I doubled"},{"speaker":"Average Joe Finances","startTime":1942.35,"endTime":1944.21,"body":"my money."},{"speaker":"Brendan Lee Young","startTime":1944.24,"endTime":1946.19,"body":"You know"},{"speaker":"Brendan Lee Young","startTime":1944.24,"endTime":1946.19,"body":"what? And it's funny you said,"},{"speaker":"Brendan Lee Young","startTime":1946.22,"endTime":1949.46,"body":"because that's that's sort of"},{"speaker":"Brendan Lee Young","startTime":1946.22,"endTime":1949.46,"body":"what's happen with me a lot of"},{"speaker":"Brendan Lee Young","startTime":1949.46,"endTime":1954.86,"body":"times, right? Like, like, for"},{"speaker":"Brendan Lee Young","startTime":1949.46,"endTime":1954.86,"body":"example, I don't know, if it's"},{"speaker":"Brendan Lee Young","startTime":1954.86,"endTime":1957.77,"body":"one thing when you find a"},{"speaker":"Brendan Lee Young","startTime":1954.86,"endTime":1957.77,"body":"company that's undervalued, and"},{"speaker":"Brendan Lee Young","startTime":1957.77,"endTime":1960.44,"body":"you know, it's undervalued, and"},{"speaker":"Brendan Lee Young","startTime":1957.77,"endTime":1960.44,"body":"you buy it, and I was very easy."},{"speaker":"Brendan Lee Young","startTime":1960.65,"endTime":1963.5,"body":"When the COVID crash happened,"},{"speaker":"Brendan Lee Young","startTime":1960.65,"endTime":1963.5,"body":"right? Like, pretty much"},{"speaker":"Brendan Lee Young","startTime":1963.5,"endTime":1968.0,"body":"everything was on sale. How do"},{"speaker":"Brendan Lee Young","startTime":1963.5,"endTime":1968.0,"body":"you know when it's the right"},{"speaker":"Brendan Lee Young","startTime":1968.0,"endTime":1971.39,"body":"time to sell your asset. And"},{"speaker":"Brendan Lee Young","startTime":1968.0,"endTime":1971.39,"body":"that's, that, to me is like a"},{"speaker":"Brendan Lee Young","startTime":1971.39,"endTime":1975.29,"body":"bigger, bigger problem. And"},{"speaker":"Brendan Lee Young","startTime":1971.39,"endTime":1975.29,"body":"that's what keeps me up at night"},{"speaker":"Brendan Lee Young","startTime":1975.29,"endTime":1978.68,"body":"for the speculative stuff. And,"},{"speaker":"Brendan Lee Young","startTime":1975.29,"endTime":1978.68,"body":"and so what I tell myself is,"},{"speaker":"Brendan Lee Young","startTime":1978.77,"endTime":1982.88,"body":"when I invest in something, if I"},{"speaker":"Brendan Lee Young","startTime":1978.77,"endTime":1982.88,"body":"think it's undervalued, there is"},{"speaker":"Brendan Lee Young","startTime":1982.88,"endTime":1986.84,"body":"a desired rate of return that I"},{"speaker":"Brendan Lee Young","startTime":1982.88,"endTime":1986.84,"body":"expect to get, and I'm happy in"},{"speaker":"Brendan Lee Young","startTime":1986.84,"endTime":1991.19,"body":"getting once I get it, I try not"},{"speaker":"Brendan Lee Young","startTime":1986.84,"endTime":1991.19,"body":"to look at the stock again,"},{"speaker":"Brendan Lee Young","startTime":1991.19,"endTime":1995.9,"body":"because you always think Who"},{"speaker":"Brendan Lee Young","startTime":1991.19,"endTime":1995.9,"body":"woulda shoulda coulda Why didn't"},{"speaker":"Brendan Lee Young","startTime":1995.9,"endTime":2001.06,"body":"die. And basically, I feel good"},{"speaker":"Brendan Lee Young","startTime":1995.9,"endTime":2001.06,"body":"note, like you said, I feel good"},{"speaker":"Brendan Lee Young","startTime":2001.06,"endTime":2003.28,"body":"knowing that I get the return"},{"speaker":"Brendan Lee Young","startTime":2001.06,"endTime":2003.28,"body":"that I want to get I dumped my"},{"speaker":"Brendan Lee Young","startTime":2003.28,"endTime":2006.46,"body":"money back into my index funds,"},{"speaker":"Brendan Lee Young","startTime":2003.28,"endTime":2006.46,"body":"and I go about my day. And that"},{"speaker":"Brendan Lee Young","startTime":2006.46,"endTime":2011.44,"body":"stock as far as I'm concerned is"},{"speaker":"Brendan Lee Young","startTime":2006.46,"endTime":2011.44,"body":"dead to me. So yeah, it's"},{"speaker":"Brendan Lee Young","startTime":2011.44,"endTime":2015.97,"body":"interesting, funny, funny story,"},{"speaker":"Brendan Lee Young","startTime":2011.44,"endTime":2015.97,"body":"right? So like, we I'm gonna tie"},{"speaker":"Brendan Lee Young","startTime":2015.97,"endTime":2019.96,"body":"this back to positive a bit. So"},{"speaker":"Brendan Lee Young","startTime":2015.97,"endTime":2019.96,"body":"like I said, I invest primarily"},{"speaker":"Brendan Lee Young","startTime":2019.96,"endTime":2023.74,"body":"in index funds, but I do a lot"},{"speaker":"Brendan Lee Young","startTime":2019.96,"endTime":2023.74,"body":"of when I when I say speculative"},{"speaker":"Brendan Lee Young","startTime":2023.74,"endTime":2028.33,"body":"stock picks, I should clarify me"},{"speaker":"Brendan Lee Young","startTime":2023.74,"endTime":2028.33,"body":"like, I buy individual stocks"},{"speaker":"Brendan Lee Young","startTime":2028.33,"endTime":2032.41,"body":"that I plan on holding for a"},{"speaker":"Brendan Lee Young","startTime":2028.33,"endTime":2032.41,"body":"long term. And so so Disney was"},{"speaker":"Brendan Lee Young","startTime":2032.41,"endTime":2037.87,"body":"one of them. So like, I bought"},{"speaker":"Brendan Lee Young","startTime":2032.41,"endTime":2037.87,"body":"Disney a very, very long time"},{"speaker":"Brendan Lee Young","startTime":2037.87,"endTime":2042.1,"body":"ago, and I held it. And the"},{"speaker":"Brendan Lee Young","startTime":2037.87,"endTime":2042.1,"body":"thing that was I was running"},{"speaker":"Brendan Lee Young","startTime":2042.1,"endTime":2044.68,"body":"into it passive as the passive"},{"speaker":"Brendan Lee Young","startTime":2042.1,"endTime":2044.68,"body":"was always trying to tell me to"},{"speaker":"Brendan Lee Young","startTime":2044.68,"endTime":2048.73,"body":"sell Disney when I was trying to"},{"speaker":"Brendan Lee Young","startTime":2044.68,"endTime":2048.73,"body":"do a full rebalance. And so I"},{"speaker":"Brendan Lee Young","startTime":2048.73,"endTime":2052.48,"body":"was like, geez, I wish I wish I"},{"speaker":"Brendan Lee Young","startTime":2048.73,"endTime":2052.48,"body":"could just exclude Disney from"},{"speaker":"Brendan Lee Young","startTime":2052.48,"endTime":2056.29,"body":"my target portfolio because like"},{"speaker":"Brendan Lee Young","startTime":2052.48,"endTime":2056.29,"body":"I even know I want to follow"},{"speaker":"Brendan Lee Young","startTime":2056.29,"endTime":2059.2,"body":"indexes this this speculative"},{"speaker":"Brendan Lee Young","startTime":2056.29,"endTime":2059.2,"body":"stuff that I'm going to buy and"},{"speaker":"Brendan Lee Young","startTime":2059.2,"endTime":2062.29,"body":"so my my co founder and I we had"},{"speaker":"Brendan Lee Young","startTime":2059.2,"endTime":2062.29,"body":"this, this back and forth"},{"speaker":"Brendan Lee Young","startTime":2062.29,"endTime":2065.71,"body":"debates. He was like, Oh, no,"},{"speaker":"Brendan Lee Young","startTime":2062.29,"endTime":2065.71,"body":"you're not you're not truly"},{"speaker":"Brendan Lee Young","startTime":2065.71,"endTime":2068.65,"body":"passive. Because you're you're"},{"speaker":"Brendan Lee Young","startTime":2065.71,"endTime":2068.65,"body":"holding Disney and I'm like"},{"speaker":"Brendan Lee Young","startTime":2068.65,"endTime":2073.9,"body":"really? like am I am I am I am I"},{"speaker":"Brendan Lee Young","startTime":2068.65,"endTime":2073.9,"body":"not passive? I'm buying and I'm"},{"speaker":"Brendan Lee Young","startTime":2073.9,"endTime":2077.44,"body":"holding this thing. I just don't"},{"speaker":"Brendan Lee Young","startTime":2073.9,"endTime":2077.44,"body":"want to sell it. And so then"},{"speaker":"Brendan Lee Young","startTime":2077.44,"endTime":2081.46,"body":"when I had a debate, we didn't"},{"speaker":"Brendan Lee Young","startTime":2077.44,"endTime":2081.46,"body":"do anything. And then about a"},{"speaker":"Brendan Lee Young","startTime":2081.46,"endTime":2085.78,"body":"month later use the census a"},{"speaker":"Brendan Lee Young","startTime":2081.46,"endTime":2085.78,"body":"really nasty email. Like I love"},{"speaker":"Brendan Lee Young","startTime":2085.78,"endTime":2088.69,"body":"your platform, but it sucks and"},{"speaker":"Brendan Lee Young","startTime":2085.78,"endTime":2088.69,"body":"here's why you keep telling me"},{"speaker":"Brendan Lee Young","startTime":2088.69,"endTime":2093.79,"body":"to sell stock ABC because it's,"},{"speaker":"Brendan Lee Young","startTime":2088.69,"endTime":2093.79,"body":"it's it's it's not part of my"},{"speaker":"Brendan Lee Young","startTime":2093.79,"endTime":2098.74,"body":"target and I don't want to sell"},{"speaker":"Brendan Lee Young","startTime":2093.79,"endTime":2098.74,"body":"it. And so basically that user"},{"speaker":"Brendan Lee Young","startTime":2098.86,"endTime":2102.13,"body":"is what tipped the scale. What's"},{"speaker":"Brendan Lee Young","startTime":2098.86,"endTime":2102.13,"body":"up my co founders saying like,"},{"speaker":"Brendan Lee Young","startTime":2102.19,"endTime":2104.17,"body":"you know what, Brian, I think"},{"speaker":"Brendan Lee Young","startTime":2102.19,"endTime":2104.17,"body":"you're right, maybe we should"},{"speaker":"Brendan Lee Young","startTime":2104.17,"endTime":2108.97,"body":"build this feature that lets us"},{"speaker":"Brendan Lee Young","startTime":2104.17,"endTime":2108.97,"body":"as exclude this speculative"},{"speaker":"Brendan Lee Young","startTime":2108.97,"endTime":2112.42,"body":"stock picks from their target"},{"speaker":"Brendan Lee Young","startTime":2108.97,"endTime":2112.42,"body":"portfolios. And so what I love"},{"speaker":"Brendan Lee Young","startTime":2112.42,"endTime":2116.8,"body":"about passive is that I could"},{"speaker":"Brendan Lee Young","startTime":2112.42,"endTime":2116.8,"body":"follow my passive strategy. But"},{"speaker":"Brendan Lee Young","startTime":2116.8,"endTime":2120.67,"body":"I could also use it and not have"},{"speaker":"Brendan Lee Young","startTime":2116.8,"endTime":2120.67,"body":"that factor in all those"},{"speaker":"Brendan Lee Young","startTime":2120.67,"endTime":2123.67,"body":"speculative things that I also"},{"speaker":"Brendan Lee Young","startTime":2120.67,"endTime":2123.67,"body":"hold in my accounts as well,"},{"speaker":"Brendan Lee Young","startTime":2123.67,"endTime":2126.67,"body":"because like, I didn't want to"},{"speaker":"Brendan Lee Young","startTime":2123.67,"endTime":2126.67,"body":"open a separate account just for"},{"speaker":"Brendan Lee Young","startTime":2126.67,"endTime":2130.18,"body":"speculative stocks, I want to"},{"speaker":"Brendan Lee Young","startTime":2126.67,"endTime":2130.18,"body":"keep it in the same account. And"},{"speaker":"Brendan Lee Young","startTime":2130.18,"endTime":2133.27,"body":"so anyway, yeah, it's it's funny"},{"speaker":"Brendan Lee Young","startTime":2130.18,"endTime":2133.27,"body":"you say that, because what I've"},{"speaker":"Brendan Lee Young","startTime":2133.27,"endTime":2137.29,"body":"learned over these past years is"},{"speaker":"Brendan Lee Young","startTime":2133.27,"endTime":2137.29,"body":"the DIY investing is almost like"},{"speaker":"Brendan Lee Young","startTime":2137.32,"endTime":2144.88,"body":"a spectrum. And you start with"},{"speaker":"Brendan Lee Young","startTime":2137.32,"endTime":2144.88,"body":"indexes, and, or maybe even just"},{"speaker":"Brendan Lee Young","startTime":2144.88,"endTime":2148.24,"body":"savings and like giving your"},{"speaker":"Brendan Lee Young","startTime":2144.88,"endTime":2148.24,"body":"money to someone. And the full"},{"speaker":"Brendan Lee Young","startTime":2148.24,"endTime":2151.84,"body":"end of the spectrum might be"},{"speaker":"Brendan Lee Young","startTime":2148.24,"endTime":2151.84,"body":"like, hardcore options, day"},{"speaker":"Brendan Lee Young","startTime":2151.84,"endTime":2156.01,"body":"trading. And the way I see"},{"speaker":"Brendan Lee Young","startTime":2151.84,"endTime":2156.01,"body":"passive is that we should help"},{"speaker":"Brendan Lee Young","startTime":2156.01,"endTime":2159.64,"body":"people get to that point of the"},{"speaker":"Brendan Lee Young","startTime":2156.01,"endTime":2159.64,"body":"spectrum where they're not doing"},{"speaker":"Brendan Lee Young","startTime":2159.64,"endTime":2163.42,"body":"active day trading, and helping"},{"speaker":"Brendan Lee Young","startTime":2159.64,"endTime":2163.42,"body":"them just keep their their"},{"speaker":"Brendan Lee Young","startTime":2163.42,"endTime":2167.08,"body":"portfolios balanced. And, and so"},{"speaker":"Brendan Lee Young","startTime":2163.42,"endTime":2167.08,"body":"anyway, that's sort of what"},{"speaker":"Brendan Lee Young","startTime":2167.08,"endTime":2170.5,"body":"we've learned. In the past four"},{"speaker":"Brendan Lee Young","startTime":2167.08,"endTime":2170.5,"body":"years that we've been around is"},{"speaker":"Brendan Lee Young","startTime":2170.5,"endTime":2173.53,"body":"that like, like, we've we've had"},{"speaker":"Brendan Lee Young","startTime":2170.5,"endTime":2173.53,"body":"to have really hard"},{"speaker":"Brendan Lee Young","startTime":2173.53,"endTime":2177.16,"body":"conversations about how we help"},{"speaker":"Brendan Lee Young","startTime":2173.53,"endTime":2177.16,"body":"people carry out the investing"},{"speaker":"Brendan Lee Young","startTime":2177.16,"endTime":2181.15,"body":"strategies, what strategies we"},{"speaker":"Brendan Lee Young","startTime":2177.16,"endTime":2181.15,"body":"will and will not support. And"},{"speaker":"Brendan Lee Young","startTime":2181.15,"endTime":2183.91,"body":"that's why passive does not"},{"speaker":"Brendan Lee Young","startTime":2181.15,"endTime":2183.91,"body":"support options. So like, if, if"},{"speaker":"Brendan Lee Young","startTime":2183.91,"endTime":2187.06,"body":"you're used any holding a few"},{"speaker":"Brendan Lee Young","startTime":2183.91,"endTime":2187.06,"body":"options contracts, when you"},{"speaker":"Brendan Lee Young","startTime":2187.06,"endTime":2190.12,"body":"import your portfolio into"},{"speaker":"Brendan Lee Young","startTime":2187.06,"endTime":2190.12,"body":"passive, we excluded right away."},{"speaker":"Brendan Lee Young","startTime":2190.12,"endTime":2193.12,"body":"And it's not that we don't like"},{"speaker":"Brendan Lee Young","startTime":2190.12,"endTime":2193.12,"body":"options, it's just it goes"},{"speaker":"Brendan Lee Young","startTime":2193.12,"endTime":2196.9,"body":"against the ethos behind why we"},{"speaker":"Brendan Lee Young","startTime":2193.12,"endTime":2196.9,"body":"created passive. And so we"},{"speaker":"Brendan Lee Young","startTime":2196.9,"endTime":2200.14,"body":"excluded we allow users to"},{"speaker":"Brendan Lee Young","startTime":2196.9,"endTime":2200.14,"body":"exclude stocks. And so they"},{"speaker":"Brendan Lee Young","startTime":2200.14,"endTime":2204.16,"body":"could still use passive just if"},{"speaker":"Brendan Lee Young","startTime":2200.14,"endTime":2204.16,"body":"wouldn't balance their options"},{"speaker":"Brendan Lee Young","startTime":2204.16,"endTime":2205.96,"body":"are factored in. Right on"},{"speaker":"Average Joe Finances","startTime":2205.99,"endTime":2208.75,"body":"and now"},{"speaker":"Average Joe Finances","startTime":2205.99,"endTime":2208.75,"body":"the users can can choose that,"},{"speaker":"Average Joe Finances","startTime":2208.75,"endTime":2212.32,"body":"right? When they import their"},{"speaker":"Average Joe Finances","startTime":2208.75,"endTime":2212.32,"body":"account, they can say, Okay, I"},{"speaker":"Average Joe Finances","startTime":2212.32,"endTime":2215.95,"body":"want this excluded, and this"},{"speaker":"Average Joe Finances","startTime":2212.32,"endTime":2215.95,"body":"excluded, and no issues there."},{"speaker":"Brendan Lee Young","startTime":2216.22,"endTime":2217.99,"body":"Yeah,"},{"speaker":"Brendan Lee Young","startTime":2216.22,"endTime":2217.99,"body":"exactly. And some, some some"},{"speaker":"Brendan Lee Young","startTime":2217.99,"endTime":2220.99,"body":"assets are just excluded by"},{"speaker":"Brendan Lee Young","startTime":2217.99,"endTime":2220.99,"body":"default, just because you you"},{"speaker":"Brendan Lee Young","startTime":2220.99,"endTime":2223.72,"body":"can't like easily trade them"},{"speaker":"Brendan Lee Young","startTime":2220.99,"endTime":2223.72,"body":"like mutual funds and, and"},{"speaker":"Brendan Lee Young","startTime":2223.72,"endTime":2227.11,"body":"warrants and that sort of stuff."},{"speaker":"Brendan Lee Young","startTime":2223.72,"endTime":2227.11,"body":"we exclude automatically. Okay,"},{"speaker":"Brendan Lee Young","startTime":2227.14,"endTime":2227.65,"body":"okay. Right"},{"speaker":"Average Joe Finances","startTime":2227.65,"endTime":2230.71,"body":"on. So"},{"speaker":"Average Joe Finances","startTime":2227.65,"endTime":2230.71,"body":"there was this epic battle, the"},{"speaker":"Average Joe Finances","startTime":2230.71,"endTime":2236.29,"body":"Brandon's had that one user come"},{"speaker":"Average Joe Finances","startTime":2230.71,"endTime":2236.29,"body":"in? And guess what, Brandon one?"},{"speaker":"Average Joe Finances","startTime":2237.04,"endTime":2238.84,"body":"Who would have thought that"},{"speaker":"Average Joe Finances","startTime":2237.04,"endTime":2238.84,"body":"Brandon would have won that"},{"speaker":"Average Joe Finances","startTime":2238.84,"endTime":2239.29,"body":"battle?"},{"speaker":"Brendan Lee Young","startTime":2240.65,"endTime":2242.93,"body":"Well, well,"},{"speaker":"Brendan Lee Young","startTime":2240.65,"endTime":2242.93,"body":"you know, what the funny story"},{"speaker":"Brendan Lee Young","startTime":2242.93,"endTime":2246.47,"body":"is, is that that's I think"},{"speaker":"Brendan Lee Young","startTime":2242.93,"endTime":2246.47,"body":"that's how you're supposed to do"},{"speaker":"Brendan Lee Young","startTime":2246.47,"endTime":2248.39,"body":"product development. I think at"},{"speaker":"Brendan Lee Young","startTime":2246.47,"endTime":2248.39,"body":"the end of the day, I"},{"speaker":"Brendan Lee Young","startTime":2248.39,"endTime":2251.75,"body":"understand. And from this same"},{"speaker":"Brendan Lee Young","startTime":2248.39,"endTime":2251.75,"body":"experience that's sort of like"},{"speaker":"Brendan Lee Young","startTime":2251.81,"endTime":2255.53,"body":"stayed with us throughout these"},{"speaker":"Brendan Lee Young","startTime":2251.81,"endTime":2255.53,"body":"years is that what we've learned"},{"speaker":"Brendan Lee Young","startTime":2255.53,"endTime":2258.26,"body":"is it doesn't matter what we"},{"speaker":"Brendan Lee Young","startTime":2255.53,"endTime":2258.26,"body":"think it matters what users"},{"speaker":"Brendan Lee Young","startTime":2258.26,"endTime":2262.55,"body":"think and want. And so we need"},{"speaker":"Brendan Lee Young","startTime":2258.26,"endTime":2262.55,"body":"to listen to our users. And so"},{"speaker":"Brendan Lee Young","startTime":2262.88,"endTime":2265.97,"body":"that's sort of what we tried to"},{"speaker":"Brendan Lee Young","startTime":2262.88,"endTime":2265.97,"body":"do with passive in terms of"},{"speaker":"Brendan Lee Young","startTime":2266.0,"endTime":2270.29,"body":"improvements. And every year, we"},{"speaker":"Brendan Lee Young","startTime":2266.0,"endTime":2270.29,"body":"email users, asking them for"},{"speaker":"Brendan Lee Young","startTime":2270.29,"endTime":2274.43,"body":"feedback, and we listened, we"},{"speaker":"Brendan Lee Young","startTime":2270.29,"endTime":2274.43,"body":"listened a lot. We are where we"},{"speaker":"Brendan Lee Young","startTime":2274.43,"endTime":2278.54,"body":"are today. Because of that, that"},{"speaker":"Brendan Lee Young","startTime":2274.43,"endTime":2278.54,"body":"focused on what users want. And"},{"speaker":"Brendan Lee Young","startTime":2278.57,"endTime":2281.18,"body":"I'm really happy to say that,"},{"speaker":"Brendan Lee Young","startTime":2278.57,"endTime":2281.18,"body":"you know, we're helping people"},{"speaker":"Brendan Lee Young","startTime":2281.18,"endTime":2284.15,"body":"build wealth and given them that"},{"speaker":"Brendan Lee Young","startTime":2281.18,"endTime":2284.15,"body":"confidence, because let's face"},{"speaker":"Brendan Lee Young","startTime":2284.15,"endTime":2287.12,"body":"it, like, if you're just"},{"speaker":"Brendan Lee Young","startTime":2284.15,"endTime":2287.12,"body":"starting out, DIY investing"},{"speaker":"Brendan Lee Young","startTime":2287.12,"endTime":2289.61,"body":"could be a bit intimidating,"},{"speaker":"Brendan Lee Young","startTime":2287.12,"endTime":2289.61,"body":"because you've got to do that"},{"speaker":"Brendan Lee Young","startTime":2289.61,"endTime":2292.7,"body":"legwork to figure out what"},{"speaker":"Brendan Lee Young","startTime":2289.61,"endTime":2292.7,"body":"you're going to invest in what"},{"speaker":"Brendan Lee Young","startTime":2292.7,"endTime":2296.78,"body":"your target asset allocation is"},{"speaker":"Brendan Lee Young","startTime":2292.7,"endTime":2296.78,"body":"going to be like, and then you"},{"speaker":"Brendan Lee Young","startTime":2296.78,"endTime":2299.36,"body":"sort of like stumble into"},{"speaker":"Brendan Lee Young","startTime":2296.78,"endTime":2299.36,"body":"another problem you don't even"},{"speaker":"Brendan Lee Young","startTime":2299.36,"endTime":2302.33,"body":"know you're gonna have when you"},{"speaker":"Brendan Lee Young","startTime":2299.36,"endTime":2302.33,"body":"realize, like, holy cow, I've"},{"speaker":"Brendan Lee Young","startTime":2302.33,"endTime":2305.87,"body":"got to use a spreadsheet to help"},{"speaker":"Brendan Lee Young","startTime":2302.33,"endTime":2305.87,"body":"me keep track of things and"},{"speaker":"Brendan Lee Young","startTime":2305.87,"endTime":2310.22,"body":"rebalance. Like, why am I doing"},{"speaker":"Brendan Lee Young","startTime":2305.87,"endTime":2310.22,"body":"this. And so that's what I love"},{"speaker":"Brendan Lee Young","startTime":2310.22,"endTime":2313.67,"body":"about passive is that we were"},{"speaker":"Brendan Lee Young","startTime":2310.22,"endTime":2313.67,"body":"just making it easier for people"},{"speaker":"Brendan Lee Young","startTime":2313.94,"endTime":2317.36,"body":"to build and grow wealth on"},{"speaker":"Brendan Lee Young","startTime":2313.94,"endTime":2317.36,"body":"their own terms, using their"},{"speaker":"Brendan Lee Young","startTime":2317.36,"endTime":2320.87,"body":"money, carrying out their passiv"},{"speaker":"Brendan Lee Young","startTime":2317.36,"endTime":2320.87,"body":"investing strategy."},{"speaker":"Average Joe Finances","startTime":2321.02,"endTime":2322.46,"body":"Yeah,"},{"speaker":"Average Joe Finances","startTime":2321.02,"endTime":2322.46,"body":"that's, that's awesome in the"},{"speaker":"Average Joe Finances","startTime":2322.46,"endTime":2325.46,"body":"fact that, you know, you take"},{"speaker":"Average Joe Finances","startTime":2322.46,"endTime":2325.46,"body":"user feedback seriously enough"},{"speaker":"Average Joe Finances","startTime":2325.46,"endTime":2329.51,"body":"to implement changes, you know,"},{"speaker":"Average Joe Finances","startTime":2325.46,"endTime":2329.51,"body":"in your system. I know, that's"},{"speaker":"Average Joe Finances","startTime":2329.51,"endTime":2332.09,"body":"got to be a lot of hard work,"},{"speaker":"Average Joe Finances","startTime":2329.51,"endTime":2332.09,"body":"especially when you have, you"},{"speaker":"Average Joe Finances","startTime":2332.09,"endTime":2335.27,"body":"know, everything, like the code"},{"speaker":"Average Joe Finances","startTime":2332.09,"endTime":2335.27,"body":"written out a certain way, like"},{"speaker":"Average Joe Finances","startTime":2335.27,"endTime":2338.18,"body":"when you build these programs,"},{"speaker":"Average Joe Finances","startTime":2335.27,"endTime":2338.18,"body":"it's not easy to just go in"},{"speaker":"Average Joe Finances","startTime":2338.18,"endTime":2341.54,"body":"there and change something like"},{"speaker":"Average Joe Finances","startTime":2338.18,"endTime":2341.54,"body":"that. So to take user feedback"},{"speaker":"Average Joe Finances","startTime":2341.54,"endTime":2345.38,"body":"and really, you know, make"},{"speaker":"Average Joe Finances","startTime":2341.54,"endTime":2345.38,"body":"significant changes to how you"},{"speaker":"Average Joe Finances","startTime":2345.38,"endTime":2349.22,"body":"do things based off of that"},{"speaker":"Average Joe Finances","startTime":2345.38,"endTime":2349.22,"body":"shows how much you care about"},{"speaker":"Average Joe Finances","startTime":2349.22,"endTime":2352.19,"body":"the, you know, your clients and"},{"speaker":"Average Joe Finances","startTime":2349.22,"endTime":2352.19,"body":"how you take care of them. So"},{"speaker":"Average Joe Finances","startTime":2352.19,"endTime":2356.15,"body":"that's awesome, man. So you had"},{"speaker":"Average Joe Finances","startTime":2352.19,"endTime":2356.15,"body":"mentioned earlier that you also"},{"speaker":"Average Joe Finances","startTime":2356.15,"endTime":2360.2,"body":"invest in real estate. So what"},{"speaker":"Average Joe Finances","startTime":2356.15,"endTime":2360.2,"body":"what kind of real estate Do you"},{"speaker":"Average Joe Finances","startTime":2360.2,"endTime":2360.8,"body":"invest in?"},{"speaker":"Brendan Lee Young","startTime":2361.73,"endTime":2365.93,"body":"I invest in"},{"speaker":"Brendan Lee Young","startTime":2361.73,"endTime":2365.93,"body":"REITs. I my, my thesis was the"},{"speaker":"Average Joe Finances","startTime":2365.93,"endTime":2367.46,"body":"Its still"},{"speaker":"Average Joe Finances","startTime":2365.93,"endTime":2367.46,"body":"real estate investment A lot of"},{"speaker":"Average Joe Finances","startTime":2367.46,"endTime":2370.04,"body":"people don't like think about it"},{"speaker":"Average Joe Finances","startTime":2367.46,"endTime":2370.04,"body":"like that, but it really is."},{"speaker":"Brendan Lee Young","startTime":2370.1,"endTime":2372.56,"body":"Yeah, it goes"},{"speaker":"Brendan Lee Young","startTime":2370.1,"endTime":2372.56,"body":"back to the comments I made"},{"speaker":"Brendan Lee Young","startTime":2372.59,"endTime":2377.03,"body":"earlier on like I thought buying"},{"speaker":"Brendan Lee Young","startTime":2372.59,"endTime":2377.03,"body":"an apartment building was the"},{"speaker":"Brendan Lee Young","startTime":2377.03,"endTime":2380.24,"body":"way to go I could I could get"},{"speaker":"Brendan Lee Young","startTime":2377.03,"endTime":2380.24,"body":"someone to manage it and I could"},{"speaker":"Brendan Lee Young","startTime":2380.24,"endTime":2384.59,"body":"live back who mentioned that and"},{"speaker":"Brendan Lee Young","startTime":2380.24,"endTime":2384.59,"body":"and live off of the the income"},{"speaker":"Brendan Lee Young","startTime":2384.59,"endTime":2390.92,"body":"from it, but that's a lot of"},{"speaker":"Brendan Lee Young","startTime":2384.59,"endTime":2390.92,"body":"work. versus buying a REIT and"},{"speaker":"Brendan Lee Young","startTime":2390.95,"endTime":2394.37,"body":"getting the payments from that"},{"speaker":"Brendan Lee Young","startTime":2390.95,"endTime":2394.37,"body":"REIT. So that's sort of what I"},{"speaker":"Brendan Lee Young","startTime":2394.4,"endTime":2395.18,"body":"decided to do."},{"speaker":"Average Joe Finances","startTime":2395.36,"endTime":2397.52,"body":"Yeah,"},{"speaker":"Average Joe Finances","startTime":2395.36,"endTime":2397.52,"body":"well, the only thing though, so"},{"speaker":"Average Joe Finances","startTime":2397.52,"endTime":2399.71,"body":"people listening, understand"},{"speaker":"Average Joe Finances","startTime":2397.52,"endTime":2399.71,"body":"like if you buy a read you're"},{"speaker":"Average Joe Finances","startTime":2399.71,"endTime":2401.93,"body":"not getting Getting into the"},{"speaker":"Average Joe Finances","startTime":2399.71,"endTime":2401.93,"body":"benefits of owning real estate."},{"speaker":"Average Joe Finances","startTime":2401.93,"endTime":2404.96,"body":"So like the tax write offs and"},{"speaker":"Average Joe Finances","startTime":2401.93,"endTime":2404.96,"body":"things Oh, no, no. Yeah, again,"},{"speaker":"Average Joe Finances","startTime":2404.96,"endTime":2409.16,"body":"but yeah, so I'm invested in a"},{"speaker":"Average Joe Finances","startTime":2404.96,"endTime":2409.16,"body":"couple REITs too. But yeah, so"},{"speaker":"Average Joe Finances","startTime":2409.16,"endTime":2409.94,"body":"Okay, cool."},{"speaker":"Brendan Lee Young","startTime":2410.96,"endTime":2412.97,"body":"And you're"},{"speaker":"Brendan Lee Young","startTime":2410.96,"endTime":2412.97,"body":"also not getting the hassle of"},{"speaker":"Brendan Lee Young","startTime":2412.97,"endTime":2418.67,"body":"chasing people for rent for"},{"speaker":"Brendan Lee Young","startTime":2412.97,"endTime":2418.67,"body":"property management, if you sell"},{"speaker":"Brendan Lee Young","startTime":2418.67,"endTime":2423.65,"body":"if you sell your your your"},{"speaker":"Brendan Lee Young","startTime":2418.67,"endTime":2423.65,"body":"property, you're not paying"},{"speaker":"Brendan Lee Young","startTime":2424.64,"endTime":2427.76,"body":"capital gains tax, depending on"},{"speaker":"Brendan Lee Young","startTime":2424.64,"endTime":2427.76,"body":"the account that you're holding"},{"speaker":"Brendan Lee Young","startTime":2427.76,"endTime":2434.06,"body":"your reason. taxes, you got to"},{"speaker":"Brendan Lee Young","startTime":2427.76,"endTime":2434.06,"body":"pay taxes every year, to"},{"speaker":"Brendan Lee Young","startTime":2434.06,"endTime":2436.37,"body":"actually taxes was a big"},{"speaker":"Brendan Lee Young","startTime":2434.06,"endTime":2436.37,"body":"drawback for me saying shut it"},{"speaker":"Brendan Lee Young","startTime":2436.37,"endTime":2441.17,"body":"down. We don't pay property"},{"speaker":"Brendan Lee Young","startTime":2436.37,"endTime":2441.17,"body":"taxes. Really? Yeah. So like, I"},{"speaker":"Brendan Lee Young","startTime":2441.17,"endTime":2443.9,"body":"had this, this sort of notion"},{"speaker":"Brendan Lee Young","startTime":2441.17,"endTime":2443.9,"body":"that I could just live in Canada"},{"speaker":"Brendan Lee Young","startTime":2443.9,"endTime":2447.47,"body":"and, and like, rent on my place."},{"speaker":"Brendan Lee Young","startTime":2443.9,"endTime":2447.47,"body":"And then I realized, Oh, geez,"},{"speaker":"Brendan Lee Young","startTime":2447.47,"endTime":2449.72,"body":"I've got to pay property taxes"},{"speaker":"Brendan Lee Young","startTime":2447.47,"endTime":2449.72,"body":"here in Canada, and they're"},{"speaker":"Brendan Lee Young","startTime":2449.72,"endTime":2453.65,"body":"pretty high. So yeah, anyway,"},{"speaker":"Brendan Lee Young","startTime":2449.72,"endTime":2453.65,"body":"that's sort of those. Those are"},{"speaker":"Brendan Lee Young","startTime":2453.65,"endTime":2455.21,"body":"the reasons why I chose REITs."},{"speaker":"Average Joe Finances","startTime":2455.3,"endTime":2457.04,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":2455.3,"endTime":2457.04,"body":"Yeah, right, on Good, good"},{"speaker":"Average Joe Finances","startTime":2457.04,"endTime":2459.35,"body":"reasons. You know, every"},{"speaker":"Average Joe Finances","startTime":2457.04,"endTime":2459.35,"body":"everybody has their reason for"},{"speaker":"Average Joe Finances","startTime":2459.74,"endTime":2461.96,"body":"why they invest the way they do,"},{"speaker":"Average Joe Finances","startTime":2459.74,"endTime":2461.96,"body":"and they have their own"},{"speaker":"Average Joe Finances","startTime":2461.96,"endTime":2466.85,"body":"strategy. The important thing is"},{"speaker":"Average Joe Finances","startTime":2461.96,"endTime":2466.85,"body":"that whatever your strategy is,"},{"speaker":"Average Joe Finances","startTime":2466.88,"endTime":2470.63,"body":"that you're doing something that"},{"speaker":"Average Joe Finances","startTime":2466.88,"endTime":2470.63,"body":"works for you. And it's"},{"speaker":"Average Joe Finances","startTime":2470.63,"endTime":2473.24,"body":"something you're comfortable"},{"speaker":"Average Joe Finances","startTime":2470.63,"endTime":2473.24,"body":"doing, don't just get into"},{"speaker":"Average Joe Finances","startTime":2473.24,"endTime":2475.49,"body":"something, because you think"},{"speaker":"Average Joe Finances","startTime":2473.24,"endTime":2475.49,"body":"that's what everybody else is"},{"speaker":"Average Joe Finances","startTime":2475.49,"endTime":2478.49,"body":"doing. So that's kind of my take"},{"speaker":"Average Joe Finances","startTime":2475.49,"endTime":2478.49,"body":"on like, when you're when you're"},{"speaker":"Average Joe Finances","startTime":2478.49,"endTime":2481.67,"body":"DIY investors, you know, figure"},{"speaker":"Average Joe Finances","startTime":2478.49,"endTime":2481.67,"body":"out what what makes you"},{"speaker":"Average Joe Finances","startTime":2481.67,"endTime":2484.46,"body":"comfortable, if you want to"},{"speaker":"Average Joe Finances","startTime":2481.67,"endTime":2484.46,"body":"follow other people's portfolios"},{"speaker":"Average Joe Finances","startTime":2484.49,"endTime":2487.88,"body":"and stuff. If it's somebody that"},{"speaker":"Average Joe Finances","startTime":2484.49,"endTime":2487.88,"body":"you trust and respect or"},{"speaker":"Average Joe Finances","startTime":2487.88,"endTime":2491.06,"body":"whatever, and you want to do"},{"speaker":"Average Joe Finances","startTime":2487.88,"endTime":2491.06,"body":"that, then by all means, go"},{"speaker":"Average Joe Finances","startTime":2491.06,"endTime":2494.12,"body":"forward, it's your choice. But"},{"speaker":"Average Joe Finances","startTime":2491.06,"endTime":2494.12,"body":"make sure you're you're the one"},{"speaker":"Average Joe Finances","startTime":2494.12,"endTime":2497.54,"body":"actively making a decision on"},{"speaker":"Average Joe Finances","startTime":2494.12,"endTime":2497.54,"body":"you know, how you want to do it."},{"speaker":"Brendan Lee Young","startTime":2497.6,"endTime":2500.51,"body":"Yeah, that's"},{"speaker":"Brendan Lee Young","startTime":2497.6,"endTime":2500.51,"body":"also interesting, too, because"},{"speaker":"Brendan Lee Young","startTime":2500.51,"endTime":2503.93,"body":"we've, we've had users that"},{"speaker":"Brendan Lee Young","startTime":2500.51,"endTime":2503.93,"body":"said, Hey, I want to share my"},{"speaker":"Brendan Lee Young","startTime":2503.93,"endTime":2508.46,"body":"portfolio with my friend. And so"},{"speaker":"Brendan Lee Young","startTime":2503.93,"endTime":2508.46,"body":"that's sort of feedback is what"},{"speaker":"Brendan Lee Young","startTime":2508.46,"endTime":2511.55,"body":"led us to build our shareable"},{"speaker":"Brendan Lee Young","startTime":2508.46,"endTime":2511.55,"body":"portfolio. So right now in"},{"speaker":"Brendan Lee Young","startTime":2511.55,"endTime":2515.15,"body":"passive, you could build your"},{"speaker":"Brendan Lee Young","startTime":2511.55,"endTime":2515.15,"body":"tree fund, ETF portfolio, or"},{"speaker":"Brendan Lee Young","startTime":2515.24,"endTime":2518.63,"body":"maybe it's a portfolio of six"},{"speaker":"Brendan Lee Young","startTime":2515.24,"endTime":2518.63,"body":"stocks, or 20, stocks, whatever."},{"speaker":"Brendan Lee Young","startTime":2518.9,"endTime":2522.68,"body":"And you could just share that"},{"speaker":"Brendan Lee Young","startTime":2518.9,"endTime":2522.68,"body":"with a friend. If your friend"},{"speaker":"Brendan Lee Young","startTime":2522.68,"endTime":2525.8,"body":"wanted, they could sign up with"},{"speaker":"Brendan Lee Young","startTime":2522.68,"endTime":2525.8,"body":"passive and just replicate that"},{"speaker":"Brendan Lee Young","startTime":2525.8,"endTime":2530.51,"body":"portfolio and enroll with it. I"},{"speaker":"Brendan Lee Young","startTime":2525.8,"endTime":2530.51,"body":"think, an improvement to that"},{"speaker":"Brendan Lee Young","startTime":2530.54,"endTime":2532.79,"body":"it's something that's on our"},{"speaker":"Brendan Lee Young","startTime":2530.54,"endTime":2532.79,"body":"roadmap would actually be to"},{"speaker":"Brendan Lee Young","startTime":2532.79,"endTime":2536.51,"body":"follow along with your friend as"},{"speaker":"Brendan Lee Young","startTime":2532.79,"endTime":2536.51,"body":"the investor, let's say Mike,"},{"speaker":"Brendan Lee Young","startTime":2536.51,"endTime":2541.85,"body":"you shared your, your, your"},{"speaker":"Brendan Lee Young","startTime":2536.51,"endTime":2541.85,"body":"portfolio with me. Eventually, I"},{"speaker":"Brendan Lee Young","startTime":2541.85,"endTime":2546.2,"body":"would be able to almost like get"},{"speaker":"Brendan Lee Young","startTime":2541.85,"endTime":2546.2,"body":"updates when you change it or do"},{"speaker":"Brendan Lee Young","startTime":2546.2,"endTime":2549.59,"body":"things because we're friends. So"},{"speaker":"Brendan Lee Young","startTime":2546.2,"endTime":2549.59,"body":"the idea is not for this to be"},{"speaker":"Brendan Lee Young","startTime":2549.59,"endTime":2553.49,"body":"like a mass thing that everyone"},{"speaker":"Brendan Lee Young","startTime":2549.59,"endTime":2553.49,"body":"follows. But like, like, I'm"},{"speaker":"Brendan Lee Young","startTime":2553.49,"endTime":2556.91,"body":"sure you shared your your"},{"speaker":"Brendan Lee Young","startTime":2553.49,"endTime":2556.91,"body":"investments with a few friends."},{"speaker":"Brendan Lee Young","startTime":2557.03,"endTime":2560.57,"body":"Like over a beer or or or dinner"},{"speaker":"Brendan Lee Young","startTime":2557.03,"endTime":2560.57,"body":"or something."},{"speaker":"Average Joe Finances","startTime":2560.57,"endTime":2563.54,"body":"Yeah, or"},{"speaker":"Average Joe Finances","startTime":2560.57,"endTime":2563.54,"body":"WhatsApp chat. Yeah, it"},{"speaker":"Brendan Lee Young","startTime":2563.54,"endTime":2565.28,"body":"sucks,"},{"speaker":"Brendan Lee Young","startTime":2563.54,"endTime":2565.28,"body":"doesn't it? Like Like, wouldn't"},{"speaker":"Brendan Lee Young","startTime":2565.28,"endTime":2568.19,"body":"you like to just be able to take"},{"speaker":"Brendan Lee Young","startTime":2565.28,"endTime":2568.19,"body":"an auction? And then your"},{"speaker":"Brendan Lee Young","startTime":2568.19,"endTime":2570.65,"body":"friends know about it? And you"},{"speaker":"Brendan Lee Young","startTime":2568.19,"endTime":2570.65,"body":"don't have to go key it in and"},{"speaker":"Brendan Lee Young","startTime":2570.65,"endTime":2574.37,"body":"tell them hey, I just bought I"},{"speaker":"Brendan Lee Young","startTime":2570.65,"endTime":2574.37,"body":"just bought game. Hopefully you"},{"speaker":"Brendan Lee Young","startTime":2574.37,"endTime":2576.14,"body":"didn't my game. But yeah,"},{"speaker":"Average Joe Finances","startTime":2576.17,"endTime":2579.02,"body":"no, no,"},{"speaker":"Average Joe Finances","startTime":2576.17,"endTime":2579.02,"body":"but I have friends and family"},{"speaker":"Average Joe Finances","startTime":2579.02,"endTime":2582.89,"body":"members who did once they got in"},{"speaker":"Average Joe Finances","startTime":2579.02,"endTime":2582.89,"body":"very low. So my little brother"},{"speaker":"Average Joe Finances","startTime":2582.89,"endTime":2588.17,"body":"did okay with it. But yeah, he,"},{"speaker":"Average Joe Finances","startTime":2582.89,"endTime":2588.17,"body":"I told him I was like, you're"},{"speaker":"Average Joe Finances","startTime":2588.17,"endTime":2591.74,"body":"not an investor just because I"},{"speaker":"Average Joe Finances","startTime":2588.17,"endTime":2591.74,"body":"was like, just, you know, be"},{"speaker":"Average Joe Finances","startTime":2591.74,"endTime":2595.04,"body":"careful. He did the same. You"},{"speaker":"Average Joe Finances","startTime":2591.74,"endTime":2595.04,"body":"know, I've other friends and"},{"speaker":"Average Joe Finances","startTime":2595.04,"endTime":2597.8,"body":"family members who bought like,"},{"speaker":"Average Joe Finances","startTime":2595.04,"endTime":2597.8,"body":"Dogecoin, and stuff like that."},{"speaker":"Average Joe Finances","startTime":2597.8,"endTime":2600.86,"body":"And, and, you know, I was"},{"speaker":"Average Joe Finances","startTime":2597.8,"endTime":2600.86,"body":"talking to them, they said, Oh,"},{"speaker":"Average Joe Finances","startTime":2600.86,"endTime":2603.35,"body":"yeah, drop down in price. So I"},{"speaker":"Average Joe Finances","startTime":2600.86,"endTime":2603.35,"body":"bought the dip. And I was like,"},{"speaker":"Average Joe Finances","startTime":2603.38,"endTime":2606.44,"body":"your average cost before is four"},{"speaker":"Average Joe Finances","startTime":2603.38,"endTime":2606.44,"body":"cents. What's your average cost?"},{"speaker":"Average Joe Finances","startTime":2606.44,"endTime":2610.01,"body":"Now? Is it go 16 cents, I'm"},{"speaker":"Average Joe Finances","startTime":2606.44,"endTime":2610.01,"body":"like, and it's worth 32. I was"},{"speaker":"Average Joe Finances","startTime":2610.01,"endTime":2613.76,"body":"like, so now you've only got a"},{"speaker":"Average Joe Finances","startTime":2610.01,"endTime":2613.76,"body":"50% gain, where before you had a"},{"speaker":"Average Joe Finances","startTime":2614.0,"endTime":2616.37,"body":"significantly higher gain. So I"},{"speaker":"Average Joe Finances","startTime":2614.0,"endTime":2616.37,"body":"was like, you know, you really"},{"speaker":"Average Joe Finances","startTime":2616.37,"endTime":2618.44,"body":"need to rethink your strategy on"},{"speaker":"Average Joe Finances","startTime":2616.37,"endTime":2618.44,"body":"this."},{"speaker":"Brendan Lee Young","startTime":2618.56,"endTime":2620.69,"body":"You know"},{"speaker":"Brendan Lee Young","startTime":2618.56,"endTime":2620.69,"body":"what, and that. And that sort of"},{"speaker":"Brendan Lee Young","startTime":2620.69,"endTime":2624.95,"body":"like, it goes back to, like"},{"speaker":"Brendan Lee Young","startTime":2620.69,"endTime":2624.95,"body":"buying and holding for a long"},{"speaker":"Brendan Lee Young","startTime":2624.95,"endTime":2628.46,"body":"time. Like if you if you do your"},{"speaker":"Brendan Lee Young","startTime":2624.95,"endTime":2628.46,"body":"homework on a particular stock,"},{"speaker":"Brendan Lee Young","startTime":2628.46,"endTime":2632.78,"body":"right? You you could still buy"},{"speaker":"Brendan Lee Young","startTime":2628.46,"endTime":2632.78,"body":"it and actually never sell it"},{"speaker":"Brendan Lee Young","startTime":2632.78,"endTime":2635.9,"body":"right? Just Just hold it for a"},{"speaker":"Brendan Lee Young","startTime":2632.78,"endTime":2635.9,"body":"long time. And at some point,"},{"speaker":"Brendan Lee Young","startTime":2635.9,"endTime":2640.91,"body":"it's going to appreciate if it's"},{"speaker":"Brendan Lee Young","startTime":2635.9,"endTime":2640.91,"body":"a good stock. So that's sort of"},{"speaker":"Brendan Lee Young","startTime":2640.91,"endTime":2644.33,"body":"something that when I bought"},{"speaker":"Brendan Lee Young","startTime":2640.91,"endTime":2644.33,"body":"GameStop that was in my mind is"},{"speaker":"Brendan Lee Young","startTime":2644.33,"endTime":2647.84,"body":"that like, even though I'm"},{"speaker":"Brendan Lee Young","startTime":2644.33,"endTime":2647.84,"body":"buying this thing, I mean, I'm"},{"speaker":"Brendan Lee Young","startTime":2647.84,"endTime":2650.99,"body":"just gonna hold it for a long"},{"speaker":"Brendan Lee Young","startTime":2647.84,"endTime":2650.99,"body":"time. So it doesn't matter. So"},{"speaker":"Brendan Lee Young","startTime":2650.99,"endTime":2655.55,"body":"yeah, but I say this and I, I"},{"speaker":"Brendan Lee Young","startTime":2650.99,"endTime":2655.55,"body":"don't regret it because I"},{"speaker":"Brendan Lee Young","startTime":2655.55,"endTime":2658.85,"body":"learned at some, like, in my"},{"speaker":"Brendan Lee Young","startTime":2655.55,"endTime":2658.85,"body":"instance, like, what I should"},{"speaker":"Brendan Lee Young","startTime":2658.85,"endTime":2662.6,"body":"have done was not panic and"},{"speaker":"Brendan Lee Young","startTime":2658.85,"endTime":2662.6,"body":"sell. I sold it. Like I bought"},{"speaker":"Brendan Lee Young","startTime":2662.6,"endTime":2667.16,"body":"at $100 a share dropped down to"},{"speaker":"Brendan Lee Young","startTime":2662.6,"endTime":2667.16,"body":"like 40 for for a couple of"},{"speaker":"Brendan Lee Young","startTime":2667.16,"endTime":2671.03,"body":"weeks. And so when it said 40 is"},{"speaker":"Brendan Lee Young","startTime":2667.16,"endTime":2671.03,"body":"like, Man, I'm not going to sell"},{"speaker":"Brendan Lee Young","startTime":2671.03,"endTime":2676.01,"body":"it. And then when it rose back"},{"speaker":"Brendan Lee Young","startTime":2671.03,"endTime":2676.01,"body":"up to 200 I just I sold right"},{"speaker":"Brendan Lee Young","startTime":2676.01,"endTime":2678.95,"body":"away because it's like, I'll"},{"speaker":"Brendan Lee Young","startTime":2676.01,"endTime":2678.95,"body":"probably never get my money back"},{"speaker":"Brendan Lee Young","startTime":2678.95,"endTime":2681.62,"body":"right away. But we're talking"},{"speaker":"Brendan Lee Young","startTime":2678.95,"endTime":2681.62,"body":"about a few $100 we're not"},{"speaker":"Brendan Lee Young","startTime":2681.62,"endTime":2684.08,"body":"talking about like life savings,"},{"speaker":"Brendan Lee Young","startTime":2681.62,"endTime":2684.08,"body":"anything like that."},{"speaker":"Average Joe Finances","startTime":2684.11,"endTime":2685.55,"body":"Right,"},{"speaker":"Average Joe Finances","startTime":2684.11,"endTime":2685.55,"body":"right. Yeah, but there's a lot"},{"speaker":"Average Joe Finances","startTime":2685.55,"endTime":2687.95,"body":"of people that did that. Like"},{"speaker":"Average Joe Finances","startTime":2685.55,"endTime":2687.95,"body":"they took their entire life"},{"speaker":"Average Joe Finances","startTime":2687.95,"endTime":2691.16,"body":"savings and just dumped it in"},{"speaker":"Average Joe Finances","startTime":2687.95,"endTime":2691.16,"body":"and for the folks that got in"},{"speaker":"Average Joe Finances","startTime":2691.16,"endTime":2696.44,"body":"too late. They they lost it all."},{"speaker":"Average Joe Finances","startTime":2691.16,"endTime":2696.44,"body":"You know, it was pretty bad. You"},{"speaker":"Average Joe Finances","startTime":2696.44,"endTime":2699.5,"body":"know, they got left holding the"},{"speaker":"Average Joe Finances","startTime":2696.44,"endTime":2699.5,"body":"bag, and that's one of the"},{"speaker":"Average Joe Finances","startTime":2699.5,"endTime":2701.63,"body":"things you got to carry With a"},{"speaker":"Average Joe Finances","startTime":2699.5,"endTime":2701.63,"body":"you don't want to take all your"},{"speaker":"Average Joe Finances","startTime":2701.63,"endTime":2704.42,"body":"money and drop it into a"},{"speaker":"Average Joe Finances","startTime":2701.63,"endTime":2704.42,"body":"speculation like that, you know?"},{"speaker":"Brendan Lee Young","startTime":2704.84,"endTime":2707.18,"body":"Well, well,"},{"speaker":"Brendan Lee Young","startTime":2704.84,"endTime":2707.18,"body":"I'll tell you something my"},{"speaker":"Brendan Lee Young","startTime":2707.18,"endTime":2712.46,"body":"friend he works on on the"},{"speaker":"Brendan Lee Young","startTime":2707.18,"endTime":2712.46,"body":"Canadian equivalent of Wall"},{"speaker":"Brendan Lee Young","startTime":2712.46,"endTime":2716.48,"body":"Street. It's called the street."},{"speaker":"Brendan Lee Young","startTime":2712.46,"endTime":2716.48,"body":"And so I was asking him about"},{"speaker":"Brendan Lee Young","startTime":2716.51,"endTime":2720.53,"body":"the the GameStop traders like,"},{"speaker":"Brendan Lee Young","startTime":2716.51,"endTime":2720.53,"body":"Dude, what do you what do you"},{"speaker":"Brendan Lee Young","startTime":2720.53,"endTime":2724.73,"body":"think of GameStop? And he says,"},{"speaker":"Brendan Lee Young","startTime":2720.53,"endTime":2724.73,"body":"Brandon, I'll share with you a"},{"speaker":"Brendan Lee Young","startTime":2724.73,"endTime":2730.16,"body":"story that I sort of had while"},{"speaker":"Brendan Lee Young","startTime":2724.73,"endTime":2730.16,"body":"working on the street. And that"},{"speaker":"Brendan Lee Young","startTime":2730.16,"endTime":2733.91,"body":"was one day the markets went"},{"speaker":"Brendan Lee Young","startTime":2730.16,"endTime":2733.91,"body":"down and see he ran into the"},{"speaker":"Brendan Lee Young","startTime":2733.91,"endTime":2737.06,"body":"street and he said, Hey, dude,"},{"speaker":"Brendan Lee Young","startTime":2733.91,"endTime":2737.06,"body":"the markets are down, like you"},{"speaker":"Brendan Lee Young","startTime":2737.06,"endTime":2740.81,"body":"guys wants to be taken a killing"},{"speaker":"Brendan Lee Young","startTime":2737.06,"endTime":2740.81,"body":"on us initiates on it. The"},{"speaker":"Brendan Lee Young","startTime":2740.81,"endTime":2744.35,"body":"trader turned him and said, You"},{"speaker":"Brendan Lee Young","startTime":2740.81,"endTime":2744.35,"body":"know what, buddy, I don't care"},{"speaker":"Brendan Lee Young","startTime":2744.35,"endTime":2748.13,"body":"the markets up, I make money,"},{"speaker":"Brendan Lee Young","startTime":2744.35,"endTime":2748.13,"body":"the markets are down, I still"},{"speaker":"Brendan Lee Young","startTime":2748.13,"endTime":2752.0,"body":"make effing money. He just"},{"speaker":"Brendan Lee Young","startTime":2748.13,"endTime":2752.0,"body":"walked off. And so what what"},{"speaker":"Brendan Lee Young","startTime":2752.0,"endTime":2755.48,"body":"that said to me was that like,"},{"speaker":"Brendan Lee Young","startTime":2752.0,"endTime":2755.48,"body":"like the folks that that are"},{"speaker":"Brendan Lee Young","startTime":2755.48,"endTime":2758.0,"body":"professionals and play these"},{"speaker":"Brendan Lee Young","startTime":2755.48,"endTime":2758.0,"body":"markets, they, they know what"},{"speaker":"Brendan Lee Young","startTime":2758.0,"endTime":2761.45,"body":"they're doing. So if, if a stock"},{"speaker":"Brendan Lee Young","startTime":2758.0,"endTime":2761.45,"body":"goes too high, they're just"},{"speaker":"Brendan Lee Young","startTime":2761.45,"endTime":2764.93,"body":"gonna short it. So that when it"},{"speaker":"Brendan Lee Young","startTime":2761.45,"endTime":2764.93,"body":"drops, you know, they take the"},{"speaker":"Brendan Lee Young","startTime":2764.93,"endTime":2768.5,"body":"other side of the bed. And so"},{"speaker":"Brendan Lee Young","startTime":2764.93,"endTime":2768.5,"body":"folks like us, like, if you're"},{"speaker":"Brendan Lee Young","startTime":2768.5,"endTime":2771.68,"body":"not a an investment"},{"speaker":"Brendan Lee Young","startTime":2768.5,"endTime":2771.68,"body":"professional, sometimes you"},{"speaker":"Brendan Lee Young","startTime":2771.68,"endTime":2775.67,"body":"don't you don't know any better."},{"speaker":"Brendan Lee Young","startTime":2771.68,"endTime":2775.67,"body":"And you think, like I did, I"},{"speaker":"Brendan Lee Young","startTime":2775.67,"endTime":2778.43,"body":"thought GameStop was gonna go up"},{"speaker":"Brendan Lee Young","startTime":2775.67,"endTime":2778.43,"body":"because it showed interest and"},{"speaker":"Brendan Lee Young","startTime":2778.43,"endTime":2783.56,"body":"all that stuff. Yep. That was"},{"speaker":"Brendan Lee Young","startTime":2778.43,"endTime":2783.56,"body":"the enemy. So if anyone's"},{"speaker":"Brendan Lee Young","startTime":2783.56,"endTime":2789.05,"body":"listening here, the key takeaway"},{"speaker":"Brendan Lee Young","startTime":2783.56,"endTime":2789.05,"body":"is, don't speculate. Stick to"},{"speaker":"Brendan Lee Young","startTime":2789.05,"endTime":2792.71,"body":"investment plan. If you are"},{"speaker":"Brendan Lee Young","startTime":2789.05,"endTime":2792.71,"body":"going to speculate, dude with"},{"speaker":"Brendan Lee Young","startTime":2792.71,"endTime":2795.41,"body":"money, you can't afford to lose"},{"speaker":"Brendan Lee Young","startTime":2792.71,"endTime":2795.41,"body":"And better yet, it shouldn't be"},{"speaker":"Brendan Lee Young","startTime":2795.41,"endTime":2799.31,"body":"money that was part of your,"},{"speaker":"Brendan Lee Young","startTime":2795.41,"endTime":2799.31,"body":"your your contributions."},{"speaker":"Average Joe Finances","startTime":2799.49,"endTime":2801.5,"body":"Yes."},{"speaker":"Average Joe Finances","startTime":2799.49,"endTime":2801.5,"body":"Because it is a gamble for sure."},{"speaker":"Average Joe Finances","startTime":2802.13,"endTime":2805.85,"body":"Alright, so Brendan, do you have"},{"speaker":"Average Joe Finances","startTime":2802.13,"endTime":2805.85,"body":"any last tips or tricks that you"},{"speaker":"Average Joe Finances","startTime":2805.85,"endTime":2809.03,"body":"would recommend to somebody"},{"speaker":"Average Joe Finances","startTime":2805.85,"endTime":2809.03,"body":"who's thinking about checking"},{"speaker":"Average Joe Finances","startTime":2809.03,"endTime":2809.72,"body":"out passive?"},{"speaker":"Brendan Lee Young","startTime":2810.44,"endTime":2812.51,"body":"Yeah, um,"},{"speaker":"Brendan Lee Young","startTime":2810.44,"endTime":2812.51,"body":"visit our"},{"speaker":"Brendan Lee Young","startTime":2814.1,"endTime":2818.15,"body":"website www.passiv.com. on"},{"speaker":"Brendan Lee Young","startTime":2814.1,"endTime":2818.15,"body":"here, you'll see the list of"},{"speaker":"Brendan Lee Young","startTime":2818.15,"endTime":2820.79,"body":"rokers that we support. Right"},{"speaker":"Brendan Lee Young","startTime":2818.15,"endTime":2820.79,"body":"ow we support interactive"},{"speaker":"Brendan Lee Young","startTime":2820.79,"endTime":2825.8,"body":"rokers, TD Ameritrade, alpaca,"},{"speaker":"Brendan Lee Young","startTime":2820.79,"endTime":2825.8,"body":"e're going to be supporting"},{"speaker":"Brendan Lee Young","startTime":2825.86,"endTime":2828.62,"body":"lly invest soon in the US, I"},{"speaker":"Brendan Lee Young","startTime":2825.86,"endTime":2828.62,"body":"ssume most of the folks"},{"speaker":"Brendan Lee Young","startTime":2828.62,"endTime":2831.41,"body":"istening here from the US. And"},{"speaker":"Brendan Lee Young","startTime":2828.62,"endTime":2831.41,"body":"o these are really great"},{"speaker":"Brendan Lee Young","startTime":2831.41,"endTime":2835.88,"body":"rokers that you can use passive"},{"speaker":"Brendan Lee Young","startTime":2831.41,"endTime":2835.88,"body":"ith. And, you know, if you do"},{"speaker":"Brendan Lee Young","startTime":2835.88,"endTime":2839.48,"body":"ign up and you use passive,"},{"speaker":"Brendan Lee Young","startTime":2835.88,"endTime":2839.48,"body":"rop us a line, let us know what"},{"speaker":"Brendan Lee Young","startTime":2839.48,"endTime":2842.48,"body":"ou think how we can help. We're"},{"speaker":"Brendan Lee Young","startTime":2839.48,"endTime":2842.48,"body":"lways trying to improve"},{"speaker":"Brendan Lee Young","startTime":2842.48,"endTime":2846.26,"body":"assive, like I said, to the"},{"speaker":"Brendan Lee Young","startTime":2842.48,"endTime":2846.26,"body":"enefit of all, and feel free to"},{"speaker":"Brendan Lee Young","startTime":2846.26,"endTime":2850.82,"body":"ollow us on Twitter, handle his"},{"speaker":"Brendan Lee Young","startTime":2846.26,"endTime":2850.82,"body":"assive team, or you can follow"},{"speaker":"Brendan Lee Young","startTime":2850.82,"endTime":2855.38,"body":"e at Brendan Lee Young. And"},{"speaker":"Brendan Lee Young","startTime":2850.82,"endTime":2855.38,"body":"eah, love to connect, love to"},{"speaker":"Brendan Lee Young","startTime":2855.38,"endTime":2856.13,"body":"hat and"},{"speaker":"Average Joe Finances","startTime":2856.21,"endTime":2858.28,"body":"just feel"},{"speaker":"Average Joe Finances","startTime":2856.21,"endTime":2858.28,"body":"free to reach out. Awesome. Hey,"},{"speaker":"Average Joe Finances","startTime":2858.31,"endTime":2860.56,"body":"um, so that was actually going"},{"speaker":"Average Joe Finances","startTime":2858.31,"endTime":2860.56,"body":"to be the next question I was"},{"speaker":"Average Joe Finances","startTime":2860.56,"endTime":2863.08,"body":"gonna ask you too, is if you had"},{"speaker":"Average Joe Finances","startTime":2860.56,"endTime":2863.08,"body":"a website and social media, you"},{"speaker":"Average Joe Finances","startTime":2863.08,"endTime":2866.32,"body":"can share, but we've got that"},{"speaker":"Average Joe Finances","startTime":2863.08,"endTime":2866.32,"body":"all. So what I'm going to do is"},{"speaker":"Average Joe Finances","startTime":2866.32,"endTime":2869.35,"body":"I'm going to make sure I have"},{"speaker":"Average Joe Finances","startTime":2866.32,"endTime":2869.35,"body":"all of that in our show notes."},{"speaker":"Average Joe Finances","startTime":2869.38,"endTime":2872.71,"body":"So it's easier for the folks to"},{"speaker":"Average Joe Finances","startTime":2869.38,"endTime":2872.71,"body":"you know, just copy and paste it"},{"speaker":"Average Joe Finances","startTime":2872.71,"endTime":2875.8,"body":"or click it, and go check out"},{"speaker":"Average Joe Finances","startTime":2872.71,"endTime":2875.8,"body":"passive and what you guys are"},{"speaker":"Average Joe Finances","startTime":2875.8,"endTime":2880.42,"body":"all about. branded, this has"},{"speaker":"Average Joe Finances","startTime":2875.8,"endTime":2880.42,"body":"been a fun conversation. You"},{"speaker":"Average Joe Finances","startTime":2880.42,"endTime":2883.33,"body":"know, we went a little more in"},{"speaker":"Average Joe Finances","startTime":2880.42,"endTime":2883.33,"body":"depth to what passive is, but we"},{"speaker":"Average Joe Finances","startTime":2883.33,"endTime":2886.96,"body":"also talked about other things"},{"speaker":"Average Joe Finances","startTime":2883.33,"endTime":2886.96,"body":"and your own personal story. It"},{"speaker":"Average Joe Finances","startTime":2886.96,"endTime":2891.88,"body":"was a really fun story to listen"},{"speaker":"Average Joe Finances","startTime":2886.96,"endTime":2891.88,"body":"to like you, you've really done"},{"speaker":"Average Joe Finances","startTime":2891.88,"endTime":2895.42,"body":"a lot since you since you moved"},{"speaker":"Average Joe Finances","startTime":2891.88,"endTime":2895.42,"body":"to Canada, and you're continuing"},{"speaker":"Average Joe Finances","startTime":2895.42,"endTime":2899.08,"body":"to do a lot and do awesome"},{"speaker":"Average Joe Finances","startTime":2895.42,"endTime":2899.08,"body":"things for both yourself and"},{"speaker":"Average Joe Finances","startTime":2899.11,"endTime":2902.08,"body":"your clients that you help with"},{"speaker":"Average Joe Finances","startTime":2899.11,"endTime":2902.08,"body":"passive I really enjoyed it. I"},{"speaker":"Average Joe Finances","startTime":2902.08,"endTime":2904.84,"body":"really enjoyed seeing what you"},{"speaker":"Average Joe Finances","startTime":2902.08,"endTime":2904.84,"body":"guys are doing, what the team is"},{"speaker":"Average Joe Finances","startTime":2904.84,"endTime":2909.22,"body":"doing. And even the conversation"},{"speaker":"Average Joe Finances","startTime":2904.84,"endTime":2909.22,"body":"that we had about speculations"},{"speaker":"Average Joe Finances","startTime":2909.22,"endTime":2911.44,"body":"and some other things. I mean,"},{"speaker":"Average Joe Finances","startTime":2909.22,"endTime":2911.44,"body":"it's it was just a fun"},{"speaker":"Average Joe Finances","startTime":2911.44,"endTime":2913.48,"body":"conversation. I really"},{"speaker":"Average Joe Finances","startTime":2911.44,"endTime":2913.48,"body":"appreciate you coming on."},{"speaker":"Brendan Lee Young","startTime":2913.81,"endTime":2915.94,"body":"All thanks so"},{"speaker":"Brendan Lee Young","startTime":2913.81,"endTime":2915.94,"body":"much. It's all good. I'll say"},{"speaker":"Brendan Lee Young","startTime":2915.94,"endTime":2920.26,"body":"one last thing. This This has to"},{"speaker":"Brendan Lee Young","startTime":2915.94,"endTime":2920.26,"body":"go to like it's the deal with"},{"speaker":"Brendan Lee Young","startTime":2920.26,"endTime":2922.78,"body":"like ETFs and the future of"},{"speaker":"Brendan Lee Young","startTime":2920.26,"endTime":2922.78,"body":"wealth management. And"},{"speaker":"Brendan Lee Young","startTime":2923.23,"endTime":2926.32,"body":"basically, I think I think the"},{"speaker":"Brendan Lee Young","startTime":2923.23,"endTime":2926.32,"body":"future is going to be direct"},{"speaker":"Brendan Lee Young","startTime":2926.32,"endTime":2930.34,"body":"indexing on top of brokerages."},{"speaker":"Brendan Lee Young","startTime":2926.32,"endTime":2930.34,"body":"Like what if one day you can"},{"speaker":"Brendan Lee Young","startTime":2930.49,"endTime":2934.21,"body":"take your favorite index and"},{"speaker":"Brendan Lee Young","startTime":2930.49,"endTime":2934.21,"body":"strip away the the companies or"},{"speaker":"Brendan Lee Young","startTime":2934.21,"endTime":2937.45,"body":"sectors that you don't believe"},{"speaker":"Brendan Lee Young","startTime":2934.21,"endTime":2937.45,"body":"in? Like i think i think i think"},{"speaker":"Brendan Lee Young","startTime":2937.45,"endTime":2941.47,"body":"that's super interesting. What"},{"speaker":"Brendan Lee Young","startTime":2937.45,"endTime":2941.47,"body":"we're seeing is the emergence of"},{"speaker":"Brendan Lee Young","startTime":2941.5,"endTime":2946.18,"body":"Bitcoin and aetherium is seen as"},{"speaker":"Brendan Lee Young","startTime":2941.5,"endTime":2946.18,"body":"a new asset class like, like,"},{"speaker":"Brendan Lee Young","startTime":2946.21,"endTime":2949.48,"body":"like, like finance, wealth"},{"speaker":"Brendan Lee Young","startTime":2946.21,"endTime":2949.48,"body":"management, I think it's going"},{"speaker":"Brendan Lee Young","startTime":2949.48,"endTime":2952.72,"body":"to change in the next 10 years."},{"speaker":"Brendan Lee Young","startTime":2949.48,"endTime":2952.72,"body":"And I'm just like really glad to"},{"speaker":"Brendan Lee Young","startTime":2952.72,"endTime":2956.08,"body":"be helping people invest in"},{"speaker":"Brendan Lee Young","startTime":2952.72,"endTime":2956.08,"body":"things that they want to invest"},{"speaker":"Brendan Lee Young","startTime":2956.08,"endTime":2959.29,"body":"in and take take control of"},{"speaker":"Brendan Lee Young","startTime":2956.08,"endTime":2959.29,"body":"their own financial future"},{"speaker":"Average Joe Finances","startTime":2959.44,"endTime":2961.09,"body":"be thing"},{"speaker":"Average Joe Finances","startTime":2959.44,"endTime":2961.09,"body":"right they're taking control"},{"speaker":"Average Joe Finances","startTime":2961.09,"endTime":2964.9,"body":"their own financial future, so I"},{"speaker":"Average Joe Finances","startTime":2961.09,"endTime":2964.9,"body":"love it. Again, man, this was an"},{"speaker":"Average Joe Finances","startTime":2964.93,"endTime":2968.83,"body":"awesome conversation. And I"},{"speaker":"Average Joe Finances","startTime":2964.93,"endTime":2968.83,"body":"really truly appreciate you"},{"speaker":"Average Joe Finances","startTime":2968.83,"endTime":2970.27,"body":"taking some time to talk with me"},{"speaker":"Average Joe Finances","startTime":2968.83,"endTime":2970.27,"body":"today."},{"speaker":"Brendan Lee Young","startTime":2970.42,"endTime":2972.16,"body":"No problem."},{"speaker":"Brendan Lee Young","startTime":2970.42,"endTime":2972.16,"body":"Nice. Nice catching up with you,"},{"speaker":"Brendan Lee Young","startTime":2972.16,"endTime":2973.72,"body":"Mike. Alright, thanks, everyone."},{"speaker":"Average Joe Finances","startTime":2975.55,"endTime":2977.44,"body":"Thanks for"},{"speaker":"Average Joe Finances","startTime":2975.55,"endTime":2977.44,"body":"listening to the Average Joe"},{"speaker":"Average Joe Finances","startTime":2977.44,"endTime":2982.45,"body":"Finances podcast. Your source"},{"speaker":"Average Joe Finances","startTime":2977.44,"endTime":2982.45,"body":"for beating debt, saving money"},{"speaker":"Average Joe Finances","startTime":2982.51,"endTime":2990.1,"body":"and investing Learn more at"},{"speaker":"Average Joe Finances","startTime":2982.51,"endTime":2990.1,"body":"AverageJoefinances.com. The A"},{"speaker":"Average Joe Finances","startTime":2990.1,"endTime":2993.55,"body":"erage Joe Finances podcast is f"},{"speaker":"Average Joe Finances","startTime":2990.1,"endTime":2993.55,"body":"r informational and e"},{"speaker":"Average Joe Finances","startTime":2993.55,"endTime":2998.38,"body":"tertainment purposes only. Do n"},{"speaker":"Average Joe Finances","startTime":2993.55,"endTime":2998.38,"body":"t use this for any real estate f"},{"speaker":"Average Joe Finances","startTime":2998.41,"endTime":3000.0,"body":"r investment making decisions."}]}