{"version":"1.0.0","segments":[{"speaker":"Average Joe Finances","startTime":0.299,"endTime":3.329,"body":"This is"},{"speaker":"Average Joe Finances","startTime":0.299,"endTime":3.329,"body":"Average Joe Finances podcast"},{"speaker":"Average Joe Finances","startTime":3.329,"endTime":7.769,"body":"episode 61. If you're watching"},{"speaker":"Average Joe Finances","startTime":3.329,"endTime":7.769,"body":"this on YouTube, make sure you"},{"speaker":"Average Joe Finances","startTime":7.769,"endTime":11.159,"body":"smash that like button and click"},{"speaker":"Average Joe Finances","startTime":7.769,"endTime":11.159,"body":"subscribe. For those of you"},{"speaker":"Average Joe Finances","startTime":11.159,"endTime":14.819,"body":"listening on a podcast platform,"},{"speaker":"Average Joe Finances","startTime":11.159,"endTime":14.819,"body":"be sure to subscribe on whatever"},{"speaker":"Average Joe Finances","startTime":14.819,"endTime":18.479,"body":"platform that is, and leave us a"},{"speaker":"Average Joe Finances","startTime":14.819,"endTime":18.479,"body":"rating if you can. The more"},{"speaker":"Average Joe Finances","startTime":18.479,"endTime":21.449,"body":"likes ratings and subscriptions"},{"speaker":"Average Joe Finances","startTime":18.479,"endTime":21.449,"body":"that we get, the more we can"},{"speaker":"Average Joe Finances","startTime":21.449,"endTime":24.989,"body":"spread the message and grow our"},{"speaker":"Average Joe Finances","startTime":21.449,"endTime":24.989,"body":"community. So we also have a"},{"speaker":"Average Joe Finances","startTime":24.989,"endTime":28.649,"body":"free Facebook group. It's called"},{"speaker":"Average Joe Finances","startTime":24.989,"endTime":28.649,"body":"the Average Joe Finances"},{"speaker":"Average Joe Finances","startTime":28.649,"endTime":32.279,"body":"network. Check us out, join the"},{"speaker":"Average Joe Finances","startTime":28.649,"endTime":32.279,"body":"group, join the community ask"},{"speaker":"Average Joe Finances","startTime":32.279,"endTime":35.849,"body":"questions, and to come up part"},{"speaker":"Average Joe Finances","startTime":32.279,"endTime":35.849,"body":"of the team. All of our other"},{"speaker":"Average Joe Finances","startTime":35.849,"endTime":38.969,"body":"social media accounts are listed"},{"speaker":"Average Joe Finances","startTime":35.849,"endTime":38.969,"body":"in our flow page. And we have"},{"speaker":"Average Joe Finances","startTime":38.969,"endTime":42.239,"body":"them in the video or podcast"},{"speaker":"Average Joe Finances","startTime":38.969,"endTime":42.239,"body":"description below."},{"speaker":"Tristan Pelloux","startTime":42.33,"endTime":45.21,"body":"It is financial"},{"speaker":"Tristan Pelloux","startTime":42.33,"endTime":45.21,"body":"technology. That's that's what"},{"speaker":"Tristan Pelloux","startTime":45.21,"endTime":49.44,"body":"it is. However, when people talk"},{"speaker":"Tristan Pelloux","startTime":45.21,"endTime":49.44,"body":"about FinTech usually what they"},{"speaker":"Tristan Pelloux","startTime":49.44,"endTime":53.25,"body":"mean is more like innovation in"},{"speaker":"Tristan Pelloux","startTime":49.44,"endTime":53.25,"body":"financial services. So you know"},{"speaker":"Tristan Pelloux","startTime":53.25,"endTime":57.66,"body":"how technology's changing"},{"speaker":"Tristan Pelloux","startTime":53.25,"endTime":57.66,"body":"financial services. And for me,"},{"speaker":"Tristan Pelloux","startTime":57.66,"endTime":61.47,"body":"I take even a broader view,"},{"speaker":"Tristan Pelloux","startTime":57.66,"endTime":61.47,"body":"which is innovation. So doesn't"},{"speaker":"Tristan Pelloux","startTime":61.77,"endTime":65.04,"body":"shortcut is innovation in"},{"speaker":"Tristan Pelloux","startTime":61.77,"endTime":65.04,"body":"financial services."},{"speaker":"Average Joe Finances","startTime":66.54,"endTime":69.12,"body":"Welcome to"},{"speaker":"Average Joe Finances","startTime":66.54,"endTime":69.12,"body":"the Average Joe Finances"},{"speaker":"Average Joe Finances","startTime":69.12,"endTime":73.62,"body":"podcast. Are you trying to get"},{"speaker":"Average Joe Finances","startTime":69.12,"endTime":73.62,"body":"out of debt, invest or just not"},{"speaker":"Average Joe Finances","startTime":73.62,"endTime":76.83,"body":"sure where to start? Then this"},{"speaker":"Average Joe Finances","startTime":73.62,"endTime":76.83,"body":"is the place for you. We"},{"speaker":"Average Joe Finances","startTime":76.83,"endTime":80.1,"body":"discussed different ways to get"},{"speaker":"Average Joe Finances","startTime":76.83,"endTime":80.1,"body":"out of the rat race and build"},{"speaker":"Average Joe Finances","startTime":80.1,"endTime":84.42,"body":"your wealth. Join us on this"},{"speaker":"Average Joe Finances","startTime":80.1,"endTime":84.42,"body":"wild ride to financial freedom."},{"speaker":"Average Joe Finances","startTime":85.44,"endTime":88.5,"body":"Hey, how's it going, everybody?"},{"speaker":"Average Joe Finances","startTime":85.44,"endTime":88.5,"body":"So today's guest is Tristan"},{"speaker":"Average Joe Finances","startTime":88.5,"endTime":92.31,"body":"pilou. And he is the founder and"},{"speaker":"Average Joe Finances","startTime":88.5,"endTime":92.31,"body":"chief pencil Officer of FinTech"},{"speaker":"Average Joe Finances","startTime":92.31,"endTime":96.63,"body":"review on online media on the"},{"speaker":"Average Joe Finances","startTime":92.31,"endTime":96.63,"body":"FinTech industry. He writes"},{"speaker":"Average Joe Finances","startTime":96.63,"endTime":100.74,"body":"about a range of topics around"},{"speaker":"Average Joe Finances","startTime":96.63,"endTime":100.74,"body":"business, finance, economics,"},{"speaker":"Average Joe Finances","startTime":100.89,"endTime":103.89,"body":"and he interviews business"},{"speaker":"Average Joe Finances","startTime":100.89,"endTime":103.89,"body":"leaders in those fields. When"},{"speaker":"Average Joe Finances","startTime":103.89,"endTime":106.71,"body":"he's not managing FinTech"},{"speaker":"Average Joe Finances","startTime":103.89,"endTime":106.71,"body":"review. He's a management"},{"speaker":"Average Joe Finances","startTime":106.71,"endTime":109.98,"body":"consultant, working with"},{"speaker":"Average Joe Finances","startTime":106.71,"endTime":109.98,"body":"different companies of all sizes"},{"speaker":"Average Joe Finances","startTime":109.98,"endTime":113.91,"body":"across Europe, and the US to"},{"speaker":"Average Joe Finances","startTime":109.98,"endTime":113.91,"body":"help them shape excuse me, help"},{"speaker":"Average Joe Finances","startTime":113.91,"endTime":117.3,"body":"them shape their strategies."},{"speaker":"Average Joe Finances","startTime":113.91,"endTime":117.3,"body":"Before becoming an entrepreneur,"},{"speaker":"Average Joe Finances","startTime":117.48,"endTime":120.45,"body":"he worked in the financial"},{"speaker":"Average Joe Finances","startTime":117.48,"endTime":120.45,"body":"services at Virgin Money in"},{"speaker":"Average Joe Finances","startTime":120.45,"endTime":123.99,"body":"London for more than five years."},{"speaker":"Average Joe Finances","startTime":120.45,"endTime":123.99,"body":"So Tristan, really excited to"},{"speaker":"Average Joe Finances","startTime":123.99,"endTime":125.7,"body":"have you on. Thanks for joining"},{"speaker":"Average Joe Finances","startTime":123.99,"endTime":125.7,"body":"me today."},{"speaker":"Tristan Pelloux","startTime":126.0,"endTime":127.29,"body":"Thanks for"},{"speaker":"Tristan Pelloux","startTime":126.0,"endTime":127.29,"body":"having me, Mike."},{"speaker":"Average Joe Finances","startTime":127.62,"endTime":129.9,"body":"All right,"},{"speaker":"Average Joe Finances","startTime":127.62,"endTime":129.9,"body":"right on. So the first thing I"},{"speaker":"Average Joe Finances","startTime":129.9,"endTime":133.77,"body":"want to do is I gave a brief"},{"speaker":"Average Joe Finances","startTime":129.9,"endTime":133.77,"body":"intro about you, you know,"},{"speaker":"Average Joe Finances","startTime":134.4,"endTime":136.95,"body":"talking a little bit about your"},{"speaker":"Average Joe Finances","startTime":134.4,"endTime":136.95,"body":"background, but if you could"},{"speaker":"Average Joe Finances","startTime":136.95,"endTime":140.25,"body":"share a little bit more about"},{"speaker":"Average Joe Finances","startTime":136.95,"endTime":140.25,"body":"yourself, share your story, like"},{"speaker":"Average Joe Finances","startTime":140.25,"endTime":144.12,"body":"how did you get started? What"},{"speaker":"Average Joe Finances","startTime":140.25,"endTime":144.12,"body":"made you decide to go and start"},{"speaker":"Average Joe Finances","startTime":144.12,"endTime":145.71,"body":"this thing called the FinTech"},{"speaker":"Average Joe Finances","startTime":144.12,"endTime":145.71,"body":"review?"},{"speaker":"Tristan Pelloux","startTime":145.77,"endTime":150.78,"body":"Yeah, sure. So"},{"speaker":"Tristan Pelloux","startTime":145.77,"endTime":150.78,"body":"I started visiting Oh, and I"},{"speaker":"Tristan Pelloux","startTime":150.78,"endTime":153.75,"body":"went to business school studied"},{"speaker":"Tristan Pelloux","startTime":150.78,"endTime":153.75,"body":"management and finance and"},{"speaker":"Tristan Pelloux","startTime":153.75,"endTime":161.4,"body":"economics. And after that, most"},{"speaker":"Tristan Pelloux","startTime":153.75,"endTime":161.4,"body":"of my mates from the major in"},{"speaker":"Tristan Pelloux","startTime":161.4,"endTime":165.15,"body":"finance, were all going into"},{"speaker":"Tristan Pelloux","startTime":161.4,"endTime":165.15,"body":"investment banking is either in"},{"speaker":"Tristan Pelloux","startTime":165.15,"endTime":169.17,"body":"London, or we're in Paris. So"},{"speaker":"Tristan Pelloux","startTime":165.15,"endTime":169.17,"body":"I'd like everybody else had"},{"speaker":"Tristan Pelloux","startTime":169.17,"endTime":174.54,"body":"moved to London, to be an intern"},{"speaker":"Tristan Pelloux","startTime":169.17,"endTime":174.54,"body":"in m\u0026a. But doing cross border"},{"speaker":"Tristan Pelloux","startTime":174.78,"endTime":178.74,"body":"transactions, which were, which"},{"speaker":"Tristan Pelloux","startTime":174.78,"endTime":178.74,"body":"were quite was quite good, fun,"},{"speaker":"Tristan Pelloux","startTime":178.74,"endTime":182.94,"body":"like for six months, and I"},{"speaker":"Tristan Pelloux","startTime":178.74,"endTime":182.94,"body":"thought I would go work in"},{"speaker":"Tristan Pelloux","startTime":182.94,"endTime":187.77,"body":"investment banking, but I"},{"speaker":"Tristan Pelloux","startTime":182.94,"endTime":187.77,"body":"stumbled across this, this job"},{"speaker":"Tristan Pelloux","startTime":187.77,"endTime":193.59,"body":"ad to join the corporate"},{"speaker":"Tristan Pelloux","startTime":187.77,"endTime":193.59,"body":"development team. So which is"},{"speaker":"Tristan Pelloux","startTime":193.59,"endTime":196.86,"body":"usually like in a corporate team"},{"speaker":"Tristan Pelloux","startTime":193.59,"endTime":196.86,"body":"that does corporate finance and"},{"speaker":"Tristan Pelloux","startTime":196.86,"endTime":201.54,"body":"corporate strategy of Windows"},{"speaker":"Tristan Pelloux","startTime":196.86,"endTime":201.54,"body":"Australian Bank of National"},{"speaker":"Tristan Pelloux","startTime":201.54,"endTime":204.9,"body":"Australia Bank, and they wanted"},{"speaker":"Tristan Pelloux","startTime":201.54,"endTime":204.9,"body":"to carve out their UK business"},{"speaker":"Tristan Pelloux","startTime":204.9,"endTime":209.1,"body":"and do an IPO. So I said, Look,"},{"speaker":"Tristan Pelloux","startTime":204.9,"endTime":209.1,"body":"sets that's super interesting."},{"speaker":"Tristan Pelloux","startTime":209.16,"endTime":213.33,"body":"So I joined, joined this, this"},{"speaker":"Tristan Pelloux","startTime":209.16,"endTime":213.33,"body":"bank, worked on that for six"},{"speaker":"Tristan Pelloux","startTime":213.33,"endTime":216.69,"body":"months became became an"},{"speaker":"Tristan Pelloux","startTime":213.33,"endTime":216.69,"body":"independent bank. And then over"},{"speaker":"Tristan Pelloux","startTime":216.69,"endTime":220.47,"body":"the years, I stayed stayed in"},{"speaker":"Tristan Pelloux","startTime":216.69,"endTime":220.47,"body":"this team kind of specialized"},{"speaker":"Tristan Pelloux","startTime":220.47,"endTime":225.57,"body":"much more in corporate strategy"},{"speaker":"Tristan Pelloux","startTime":220.47,"endTime":225.57,"body":"and innovation projects. And"},{"speaker":"Tristan Pelloux","startTime":225.93,"endTime":230.67,"body":"looking a lot at FinTech, what's"},{"speaker":"Tristan Pelloux","startTime":225.93,"endTime":230.67,"body":"going on? How does it banks? How"},{"speaker":"Tristan Pelloux","startTime":230.67,"endTime":234.36,"body":"is it impacting our strategy?"},{"speaker":"Tristan Pelloux","startTime":230.67,"endTime":234.36,"body":"Know what what do we need to"},{"speaker":"Tristan Pelloux","startTime":234.66,"endTime":238.65,"body":"take into account with like"},{"speaker":"Tristan Pelloux","startTime":234.66,"endTime":238.65,"body":"different market movements? So"},{"speaker":"Tristan Pelloux","startTime":238.71,"endTime":242.64,"body":"So yeah, so that's what I did in"},{"speaker":"Tristan Pelloux","startTime":238.71,"endTime":242.64,"body":"my last role there, I was"},{"speaker":"Tristan Pelloux","startTime":242.64,"endTime":245.73,"body":"focusing on developing strategic"},{"speaker":"Tristan Pelloux","startTime":242.64,"endTime":245.73,"body":"partnerships with with FinTech"},{"speaker":"Tristan Pelloux","startTime":245.73,"endTime":249.78,"body":"startups and big technology"},{"speaker":"Tristan Pelloux","startTime":245.73,"endTime":249.78,"body":"companies. But last year, I"},{"speaker":"Tristan Pelloux","startTime":249.78,"endTime":254.31,"body":"think it was time for me to"},{"speaker":"Tristan Pelloux","startTime":249.78,"endTime":254.31,"body":"leave cloudy London and I moved"},{"speaker":"Tristan Pelloux","startTime":254.31,"endTime":260.49,"body":"to Barcelona and I decided it"},{"speaker":"Tristan Pelloux","startTime":254.31,"endTime":260.49,"body":"was time for me to try with the"},{"speaker":"Tristan Pelloux","startTime":260.49,"endTime":264.03,"body":"entrepreneur life. So I'd"},{"speaker":"Tristan Pelloux","startTime":260.49,"endTime":264.03,"body":"started FinTech with you as a as"},{"speaker":"Tristan Pelloux","startTime":264.03,"endTime":267.78,"body":"a personal blog, and I decided"},{"speaker":"Tristan Pelloux","startTime":264.03,"endTime":267.78,"body":"to scale it a bit more started"},{"speaker":"Tristan Pelloux","startTime":267.81,"endTime":270.6,"body":"talking to people in the"},{"speaker":"Tristan Pelloux","startTime":267.81,"endTime":270.6,"body":"industry interview, doing"},{"speaker":"Tristan Pelloux","startTime":270.6,"endTime":274.62,"body":"interviews, I guess, suppose and"},{"speaker":"Tristan Pelloux","startTime":270.6,"endTime":274.62,"body":"kind of like broadening a bit"},{"speaker":"Tristan Pelloux","startTime":274.62,"endTime":279.36,"body":"the scope of just me rambling"},{"speaker":"Tristan Pelloux","startTime":274.62,"endTime":279.36,"body":"about about FinTech. So yeah, so"},{"speaker":"Tristan Pelloux","startTime":279.36,"endTime":283.32,"body":"that's, that's me in a nutshell."},{"speaker":"Tristan Pelloux","startTime":279.36,"endTime":283.32,"body":"And as you can hear, I'm a"},{"speaker":"Tristan Pelloux","startTime":283.32,"endTime":287.79,"body":"French minor as well. Paying"},{"speaker":"Tristan Pelloux","startTime":283.32,"endTime":287.79,"body":"tiny, slightly slight, slight"},{"speaker":"Tristan Pelloux","startTime":287.79,"endTime":288.33,"body":"accent."},{"speaker":"Average Joe Finances","startTime":288.78,"endTime":290.91,"body":"Now just"},{"speaker":"Average Joe Finances","startTime":288.78,"endTime":290.91,"body":"just a smidge. just a smidge."},{"speaker":"Average Joe Finances","startTime":291.81,"endTime":295.83,"body":"Alright, awesome. So you know so"},{"speaker":"Average Joe Finances","startTime":291.81,"endTime":295.83,"body":"you were working. You started"},{"speaker":"Average Joe Finances","startTime":295.83,"endTime":299.97,"body":"off in the banking industry, and"},{"speaker":"Average Joe Finances","startTime":295.83,"endTime":299.97,"body":"you got into corporate right?"},{"speaker":"Average Joe Finances","startTime":300.24,"endTime":302.85,"body":"Working on corporate strategy"},{"speaker":"Average Joe Finances","startTime":300.24,"endTime":302.85,"body":"you were really interested in"},{"speaker":"Average Joe Finances","startTime":302.85,"endTime":307.98,"body":"interested in FinTech. And it"},{"speaker":"Average Joe Finances","startTime":302.85,"endTime":307.98,"body":"led you to start this blog right"},{"speaker":"Average Joe Finances","startTime":307.98,"endTime":310.74,"body":"so you started off as a blog"},{"speaker":"Average Joe Finances","startTime":307.98,"endTime":310.74,"body":"which is really funny because"},{"speaker":"Average Joe Finances","startTime":310.98,"endTime":313.68,"body":"when I started Average Joe"},{"speaker":"Average Joe Finances","startTime":310.98,"endTime":313.68,"body":"Finances I started the same way"},{"speaker":"Average Joe Finances","startTime":313.68,"endTime":318.96,"body":"I started as a blog to basically"},{"speaker":"Average Joe Finances","startTime":313.68,"endTime":318.96,"body":"share like my own story of"},{"speaker":"Average Joe Finances","startTime":319.26,"endTime":322.71,"body":"getting out of debt and starting"},{"speaker":"Average Joe Finances","startTime":319.26,"endTime":322.71,"body":"to invest and you know, get"},{"speaker":"Average Joe Finances","startTime":322.71,"endTime":326.88,"body":"myself like, where I want to be"},{"speaker":"Average Joe Finances","startTime":322.71,"endTime":326.88,"body":"financially, and then eventually"},{"speaker":"Average Joe Finances","startTime":326.88,"endTime":331.26,"body":"turned it into a podcast and"},{"speaker":"Average Joe Finances","startTime":326.88,"endTime":331.26,"body":"what it is today, so it's funny"},{"speaker":"Average Joe Finances","startTime":331.26,"endTime":335.85,"body":"a lot, a lot of these, you know,"},{"speaker":"Average Joe Finances","startTime":331.26,"endTime":335.85,"body":"groups and smaller startups and"},{"speaker":"Average Joe Finances","startTime":335.85,"endTime":338.1,"body":"everything start off is like a"},{"speaker":"Average Joe Finances","startTime":335.85,"endTime":338.1,"body":"blog, we're just somebody"},{"speaker":"Average Joe Finances","startTime":338.1,"endTime":343.05,"body":"sharing like, their, their crazy"},{"speaker":"Average Joe Finances","startTime":338.1,"endTime":343.05,"body":"ideas, right? So it's really"},{"speaker":"Average Joe Finances","startTime":343.05,"endTime":345.51,"body":"cool, like with what you've"},{"speaker":"Average Joe Finances","startTime":343.05,"endTime":345.51,"body":"built, right? And you started"},{"speaker":"Average Joe Finances","startTime":345.51,"endTime":348.12,"body":"off, like you said, as a blog,"},{"speaker":"Average Joe Finances","startTime":345.51,"endTime":348.12,"body":"and you had guests, guest posts,"},{"speaker":"Average Joe Finances","startTime":348.12,"endTime":352.8,"body":"and did interviews, you know, to"},{"speaker":"Average Joe Finances","startTime":348.12,"endTime":352.8,"body":"where you are today. And, you"},{"speaker":"Average Joe Finances","startTime":352.8,"endTime":356.31,"body":"know, the way you made it sound"},{"speaker":"Average Joe Finances","startTime":352.8,"endTime":356.31,"body":"is like, you know, it's, you're"},{"speaker":"Average Joe Finances","startTime":356.31,"endTime":358.86,"body":"not like being nerdy about it,"},{"speaker":"Average Joe Finances","startTime":356.31,"endTime":358.86,"body":"but it's something you kind of"},{"speaker":"Average Joe Finances","startTime":358.86,"endTime":362.34,"body":"geek out about, right? Like you"},{"speaker":"Average Joe Finances","startTime":358.86,"endTime":362.34,"body":"really, this is something that"},{"speaker":"Average Joe Finances","startTime":362.34,"endTime":365.7,"body":"you're passionate about. And you"},{"speaker":"Average Joe Finances","startTime":362.34,"endTime":365.7,"body":"could talk about probably, we"},{"speaker":"Average Joe Finances","startTime":365.7,"endTime":369.36,"body":"could probably talk about this"},{"speaker":"Average Joe Finances","startTime":365.7,"endTime":369.36,"body":"for hours or days or whatever,"},{"speaker":"Average Joe Finances","startTime":369.42,"endTime":375.24,"body":"right? So I want to know, you"},{"speaker":"Average Joe Finances","startTime":369.42,"endTime":375.24,"body":"know, how long have you been"},{"speaker":"Average Joe Finances","startTime":375.24,"endTime":379.17,"body":"doing this one? Did you actually"},{"speaker":"Average Joe Finances","startTime":375.24,"endTime":379.17,"body":"start the blog? And when did you"},{"speaker":"Average Joe Finances","startTime":379.17,"endTime":381.57,"body":"transition to where it is today?"},{"speaker":"Tristan Pelloux","startTime":381.9,"endTime":385.86,"body":"Yeah. So I"},{"speaker":"Tristan Pelloux","startTime":381.9,"endTime":385.86,"body":"basically the story behind the"},{"speaker":"Tristan Pelloux","startTime":385.86,"endTime":391.32,"body":"blog is that when I was working"},{"speaker":"Tristan Pelloux","startTime":385.86,"endTime":391.32,"body":"on Virgin Money, I, I started to"},{"speaker":"Tristan Pelloux","startTime":391.32,"endTime":396.75,"body":"become, I decided to become Mr."},{"speaker":"Tristan Pelloux","startTime":391.32,"endTime":396.75,"body":"FinTech. So people would ask me,"},{"speaker":"Tristan Pelloux","startTime":396.75,"endTime":399.99,"body":"you know, what's going on? So I"},{"speaker":"Tristan Pelloux","startTime":396.75,"endTime":399.99,"body":"started writing little, like,"},{"speaker":"Tristan Pelloux","startTime":400.29,"endTime":405.18,"body":"snippets to my team. Okay, guys,"},{"speaker":"Tristan Pelloux","startTime":400.29,"endTime":405.18,"body":"this is what what has happened"},{"speaker":"Tristan Pelloux","startTime":405.18,"endTime":409.53,"body":"this week, as it says, This is"},{"speaker":"Tristan Pelloux","startTime":405.18,"endTime":409.53,"body":"what why think it's important."},{"speaker":"Tristan Pelloux","startTime":409.59,"endTime":414.63,"body":"And it went from being to my"},{"speaker":"Tristan Pelloux","startTime":409.59,"endTime":414.63,"body":"team to being to his executive"},{"speaker":"Tristan Pelloux","startTime":414.63,"endTime":418.23,"body":"team, like you brought running a"},{"speaker":"Tristan Pelloux","startTime":414.63,"endTime":418.23,"body":"big scope, and then then it"},{"speaker":"Tristan Pelloux","startTime":418.23,"endTime":422.46,"body":"started being broader and"},{"speaker":"Tristan Pelloux","startTime":418.23,"endTime":422.46,"body":"writing for the intranet"},{"speaker":"Tristan Pelloux","startTime":422.46,"endTime":426.87,"body":"articles about about what's"},{"speaker":"Tristan Pelloux","startTime":422.46,"endTime":426.87,"body":"going on. So at that point, kind"},{"speaker":"Tristan Pelloux","startTime":426.87,"endTime":430.41,"body":"of stood, I ended it's a it's a"},{"speaker":"Tristan Pelloux","startTime":426.87,"endTime":430.41,"body":"good audience, it's obviously"},{"speaker":"Tristan Pelloux","startTime":430.47,"endTime":433.68,"body":"it's, I don't know, at that"},{"speaker":"Tristan Pelloux","startTime":430.47,"endTime":433.68,"body":"point, it was probably 1000"},{"speaker":"Tristan Pelloux","startTime":433.68,"endTime":436.92,"body":"people in the company. So it's,"},{"speaker":"Tristan Pelloux","startTime":433.68,"endTime":436.92,"body":"it's the audience, but I was"},{"speaker":"Tristan Pelloux","startTime":436.92,"endTime":440.91,"body":"like, no, it's still restricts a"},{"speaker":"Tristan Pelloux","startTime":436.92,"endTime":440.91,"body":"bit to that, it could be out"},{"speaker":"Tristan Pelloux","startTime":440.91,"endTime":445.41,"body":"there to more people to share"},{"speaker":"Tristan Pelloux","startTime":440.91,"endTime":445.41,"body":"it, like, so I can share a bit"},{"speaker":"Tristan Pelloux","startTime":445.41,"endTime":449.55,"body":"what what I think is going on."},{"speaker":"Tristan Pelloux","startTime":445.41,"endTime":449.55,"body":"So I started blogging in January"},{"speaker":"Tristan Pelloux","startTime":449.55,"endTime":453.75,"body":"last year, but just really, I"},{"speaker":"Tristan Pelloux","startTime":449.55,"endTime":453.75,"body":"was writing stuff here and"},{"speaker":"Tristan Pelloux","startTime":453.75,"endTime":461.67,"body":"there. And, and it's, it's"},{"speaker":"Tristan Pelloux","startTime":453.75,"endTime":461.67,"body":"really when, when I left Virgin"},{"speaker":"Tristan Pelloux","startTime":461.67,"endTime":467.1,"body":"Money In October, that I sought,"},{"speaker":"Tristan Pelloux","startTime":461.67,"endTime":467.1,"body":"okay, now I have a bit more more"},{"speaker":"Tristan Pelloux","startTime":467.1,"endTime":472.41,"body":"freedom about writing, writing"},{"speaker":"Tristan Pelloux","startTime":467.1,"endTime":472.41,"body":"what I what I'm singing about,"},{"speaker":"Tristan Pelloux","startTime":472.41,"endTime":475.29,"body":"because there's also like, the"},{"speaker":"Tristan Pelloux","startTime":472.41,"endTime":475.29,"body":"fact that I was working for"},{"speaker":"Tristan Pelloux","startTime":475.29,"endTime":481.02,"body":"banks. So, you know, there were"},{"speaker":"Tristan Pelloux","startTime":475.29,"endTime":481.02,"body":"kind of topics that I wasn't"},{"speaker":"Tristan Pelloux","startTime":481.26,"endTime":484.86,"body":"feeling comfortable, you know,"},{"speaker":"Tristan Pelloux","startTime":481.26,"endTime":484.86,"body":"bashing banks, or saying, you"},{"speaker":"Tristan Pelloux","startTime":484.86,"endTime":487.98,"body":"know, they're due, though, or"},{"speaker":"Tristan Pelloux","startTime":484.86,"endTime":487.98,"body":"whatever. And after that, I was"},{"speaker":"Tristan Pelloux","startTime":487.98,"endTime":490.86,"body":"like, you know, I can write them"},{"speaker":"Tristan Pelloux","startTime":487.98,"endTime":490.86,"body":"up anything. And then at the end"},{"speaker":"Tristan Pelloux","startTime":490.86,"endTime":495.93,"body":"of December, I started doing"},{"speaker":"Tristan Pelloux","startTime":490.86,"endTime":495.93,"body":"interviews, like broadening the"},{"speaker":"Tristan Pelloux","startTime":495.93,"endTime":501.3,"body":"scope base, just by, by starting"},{"speaker":"Tristan Pelloux","startTime":495.93,"endTime":501.3,"body":"to interact with, with people"},{"speaker":"Tristan Pelloux","startTime":501.75,"endTime":505.23,"body":"doing same same thing,"},{"speaker":"Tristan Pelloux","startTime":501.75,"endTime":505.23,"body":"interacting with companies,"},{"speaker":"Tristan Pelloux","startTime":505.32,"endTime":508.35,"body":"companies reaching out and"},{"speaker":"Tristan Pelloux","startTime":505.32,"endTime":508.35,"body":"saying, Oh, you know, did you"},{"speaker":"Tristan Pelloux","startTime":508.35,"endTime":512.88,"body":"do? Did you do interviews? And"},{"speaker":"Tristan Pelloux","startTime":508.35,"endTime":512.88,"body":"at first I was like, No, I don't"},{"speaker":"Tristan Pelloux","startTime":512.88,"endTime":515.49,"body":"think so. But that's"},{"speaker":"Tristan Pelloux","startTime":512.88,"endTime":515.49,"body":"interesting. Let's, let's do it."},{"speaker":"Tristan Pelloux","startTime":515.49,"endTime":519.45,"body":"So that's how basically, it"},{"speaker":"Tristan Pelloux","startTime":515.49,"endTime":519.45,"body":"happened. And then I realized it"},{"speaker":"Tristan Pelloux","startTime":519.45,"endTime":523.32,"body":"was great to talk to people"},{"speaker":"Tristan Pelloux","startTime":519.45,"endTime":523.32,"body":"about their views of different"},{"speaker":"Tristan Pelloux","startTime":523.32,"endTime":527.07,"body":"topics about their background,"},{"speaker":"Tristan Pelloux","startTime":523.32,"endTime":527.07,"body":"why they started their"},{"speaker":"Tristan Pelloux","startTime":527.07,"endTime":532.08,"body":"companies, you know, and what,"},{"speaker":"Tristan Pelloux","startTime":527.07,"endTime":532.08,"body":"what the what were their"},{"speaker":"Tristan Pelloux","startTime":532.11,"endTime":536.31,"body":"aspirations or motivations or"},{"speaker":"Tristan Pelloux","startTime":532.11,"endTime":536.31,"body":"financial interest? Interesting."},{"speaker":"Tristan Pelloux","startTime":536.31,"endTime":541.35,"body":"That's why I continued in that"},{"speaker":"Tristan Pelloux","startTime":536.31,"endTime":541.35,"body":"direction. And I really like it."},{"speaker":"Average Joe Finances","startTime":541.59,"endTime":543.87,"body":"All right,"},{"speaker":"Average Joe Finances","startTime":541.59,"endTime":543.87,"body":"right on. So you said, when you"},{"speaker":"Average Joe Finances","startTime":543.87,"endTime":546.72,"body":"when you first started out"},{"speaker":"Average Joe Finances","startTime":543.87,"endTime":546.72,"body":"before you started the blog, you"},{"speaker":"Average Joe Finances","startTime":546.72,"endTime":550.32,"body":"said you were writing on your"},{"speaker":"Average Joe Finances","startTime":546.72,"endTime":550.32,"body":"company's intranet page. And you"},{"speaker":"Average Joe Finances","startTime":550.32,"endTime":552.24,"body":"were just reaching out to the"},{"speaker":"Average Joe Finances","startTime":550.32,"endTime":552.24,"body":"employees there. You said"},{"speaker":"Average Joe Finances","startTime":552.24,"endTime":556.23,"body":"there's about an 8000 member"},{"speaker":"Average Joe Finances","startTime":552.24,"endTime":556.23,"body":"base. For my listeners that are"},{"speaker":"Average Joe Finances","startTime":556.23,"endTime":559.26,"body":"listening right now, if you"},{"speaker":"Average Joe Finances","startTime":556.23,"endTime":559.26,"body":"don't know what an intranet is,"},{"speaker":"Average Joe Finances","startTime":559.26,"endTime":566.13,"body":"it's kind of like an internal"},{"speaker":"Average Joe Finances","startTime":559.26,"endTime":566.13,"body":"network for a company. So he"},{"speaker":"Average Joe Finances","startTime":566.13,"endTime":569.16,"body":"wasn't like posting it out on"},{"speaker":"Average Joe Finances","startTime":566.13,"endTime":569.16,"body":"the internet yet it was it was"},{"speaker":"Average Joe Finances","startTime":569.16,"endTime":573.6,"body":"strictly within the bounds of"},{"speaker":"Average Joe Finances","startTime":569.16,"endTime":573.6,"body":"the network that they had there."},{"speaker":"Average Joe Finances","startTime":573.78,"endTime":578.19,"body":"So by starting the blog, so you"},{"speaker":"Average Joe Finances","startTime":573.78,"endTime":578.19,"body":"started that in January of 2020,"},{"speaker":"Average Joe Finances","startTime":578.19,"endTime":581.49,"body":"right? Yeah. So by starting the"},{"speaker":"Average Joe Finances","startTime":578.19,"endTime":581.49,"body":"blog, now you're getting this"},{"speaker":"Average Joe Finances","startTime":581.49,"endTime":585.0,"body":"information out to a broader"},{"speaker":"Average Joe Finances","startTime":581.49,"endTime":585.0,"body":"base. And you can talk a little"},{"speaker":"Average Joe Finances","startTime":585.0,"endTime":587.94,"body":"more freely, right? You can"},{"speaker":"Average Joe Finances","startTime":585.0,"endTime":587.94,"body":"really talk is freely writing on"},{"speaker":"Average Joe Finances","startTime":587.94,"endTime":592.08,"body":"the company's intranet page."},{"speaker":"Average Joe Finances","startTime":587.94,"endTime":592.08,"body":"Especially when it came to what"},{"speaker":"Average Joe Finances","startTime":592.08,"endTime":594.93,"body":"you wanted to talk about with"},{"speaker":"Average Joe Finances","startTime":592.08,"endTime":594.93,"body":"FinTech and banks and everything"},{"speaker":"Average Joe Finances","startTime":594.93,"endTime":599.34,"body":"else with what you you know,"},{"speaker":"Average Joe Finances","startTime":594.93,"endTime":599.34,"body":"what you felt was going on in"},{"speaker":"Average Joe Finances","startTime":599.34,"endTime":603.63,"body":"the future. then being able to"},{"speaker":"Average Joe Finances","startTime":599.34,"endTime":603.63,"body":"put yourself out there. You"},{"speaker":"Average Joe Finances","startTime":603.63,"endTime":606.3,"body":"know, you got to the point where"},{"speaker":"Average Joe Finances","startTime":603.63,"endTime":606.3,"body":"folks started reaching out to"},{"speaker":"Average Joe Finances","startTime":606.3,"endTime":610.35,"body":"you and wanting to do"},{"speaker":"Average Joe Finances","startTime":606.3,"endTime":610.35,"body":"interviews. So what was that"},{"speaker":"Average Joe Finances","startTime":610.35,"endTime":614.16,"body":"like when that first company"},{"speaker":"Average Joe Finances","startTime":610.35,"endTime":614.16,"body":"contacted you? And they said,"},{"speaker":"Average Joe Finances","startTime":614.4,"endTime":617.52,"body":"Hey, do you do interviews? And"},{"speaker":"Average Joe Finances","startTime":614.4,"endTime":617.52,"body":"you said no, but this is"},{"speaker":"Average Joe Finances","startTime":617.52,"endTime":620.43,"body":"interesting let's start so what"},{"speaker":"Average Joe Finances","startTime":617.52,"endTime":620.43,"body":"what was going through your mind"},{"speaker":"Average Joe Finances","startTime":620.43,"endTime":623.49,"body":"when they said we want to do an"},{"speaker":"Average Joe Finances","startTime":620.43,"endTime":623.49,"body":"interview like let's chat?"},{"speaker":"Tristan Pelloux","startTime":623.61,"endTime":626.13,"body":"Yeah, I mean,"},{"speaker":"Tristan Pelloux","startTime":623.61,"endTime":626.13,"body":"it was quite funny because this"},{"speaker":"Tristan Pelloux","startTime":626.13,"endTime":629.94,"body":"is when I started when I started"},{"speaker":"Tristan Pelloux","startTime":626.13,"endTime":629.94,"body":"my blog, it was really a"},{"speaker":"Tristan Pelloux","startTime":629.94,"endTime":634.77,"body":"personal blog or my idea was"},{"speaker":"Tristan Pelloux","startTime":629.94,"endTime":634.77,"body":"just to blab about this is up"},{"speaker":"Tristan Pelloux","startTime":634.77,"endTime":641.49,"body":"and I think this is important"},{"speaker":"Tristan Pelloux","startTime":634.77,"endTime":641.49,"body":"kind of thing. And so yeah, and"},{"speaker":"Tristan Pelloux","startTime":641.49,"endTime":645.0,"body":"then when people started"},{"speaker":"Tristan Pelloux","startTime":641.49,"endTime":645.0,"body":"reaching out I realized it was a"},{"speaker":"Tristan Pelloux","startTime":645.0,"endTime":651.51,"body":"bit bigger and it wasn't just"},{"speaker":"Tristan Pelloux","startTime":645.0,"endTime":651.51,"body":"about about me so actually, I"},{"speaker":"Tristan Pelloux","startTime":651.51,"endTime":654.66,"body":"guess at first I was a bit"},{"speaker":"Tristan Pelloux","startTime":651.51,"endTime":654.66,"body":"surprised and then I realize"},{"speaker":"Tristan Pelloux","startTime":654.66,"endTime":658.5,"body":"actually what I'm doing is not"},{"speaker":"Tristan Pelloux","startTime":654.66,"endTime":658.5,"body":"isn't just a personal blog"},{"speaker":"Tristan Pelloux","startTime":658.68,"endTime":663.48,"body":"series it becomes a little"},{"speaker":"Tristan Pelloux","startTime":658.68,"endTime":663.48,"body":"little media and yeah, I said"},{"speaker":"Tristan Pelloux","startTime":663.54,"endTime":668.1,"body":"this is quite in line with what"},{"speaker":"Tristan Pelloux","startTime":663.54,"endTime":668.1,"body":"I'm trying to do so so why not"},{"speaker":"Tristan Pelloux","startTime":668.1,"endTime":671.79,"body":"having different point of views"},{"speaker":"Tristan Pelloux","startTime":668.1,"endTime":671.79,"body":"and that's also because that's"},{"speaker":"Tristan Pelloux","startTime":672.12,"endTime":675.15,"body":"that's a strong belief that I"},{"speaker":"Tristan Pelloux","startTime":672.12,"endTime":675.15,"body":"have is that I like to confront"},{"speaker":"Tristan Pelloux","startTime":675.15,"endTime":679.02,"body":"ideas with people so I really"},{"speaker":"Tristan Pelloux","startTime":675.15,"endTime":679.02,"body":"enjoy people I have a different"},{"speaker":"Tristan Pelloux","startTime":679.05,"endTime":683.25,"body":"point of view is that each you"},{"speaker":"Tristan Pelloux","startTime":679.05,"endTime":683.25,"body":"tell me something is great and I"},{"speaker":"Tristan Pelloux","startTime":683.25,"endTime":686.91,"body":"don't agree on like okay, you"},{"speaker":"Tristan Pelloux","startTime":683.25,"endTime":686.91,"body":"know, let's let's rumble here"},{"speaker":"Tristan Pelloux","startTime":686.91,"endTime":690.12,"body":"like you know, let's let's chat"},{"speaker":"Tristan Pelloux","startTime":686.91,"endTime":690.12,"body":"about it. Tell me what why you"},{"speaker":"Tristan Pelloux","startTime":690.12,"endTime":695.52,"body":"sing it's it's great. I'll tell"},{"speaker":"Tristan Pelloux","startTime":690.12,"endTime":695.52,"body":"you why I think it's so I sought"},{"speaker":"Tristan Pelloux","startTime":695.61,"endTime":699.18,"body":"by doing by doing interviews"},{"speaker":"Tristan Pelloux","startTime":695.61,"endTime":699.18,"body":"it's also a good way for me to"},{"speaker":"Tristan Pelloux","startTime":699.18,"endTime":702.42,"body":"like get different point of"},{"speaker":"Tristan Pelloux","startTime":699.18,"endTime":702.42,"body":"views. I mean, so far we haven't"},{"speaker":"Tristan Pelloux","startTime":702.42,"endTime":708.45,"body":"like fought over over ideas but"},{"speaker":"Tristan Pelloux","startTime":702.42,"endTime":708.45,"body":"by I that's why also I really"},{"speaker":"Tristan Pelloux","startTime":708.63,"endTime":712.38,"body":"like it. It's it's in line with"},{"speaker":"Tristan Pelloux","startTime":708.63,"endTime":712.38,"body":"with my state of mind."},{"speaker":"Average Joe Finances","startTime":712.98,"endTime":714.66,"body":"Okay,"},{"speaker":"Average Joe Finances","startTime":712.98,"endTime":714.66,"body":"right on so in line with your"},{"speaker":"Average Joe Finances","startTime":714.66,"endTime":718.11,"body":"state of mind. So, alright, so"},{"speaker":"Average Joe Finances","startTime":714.66,"endTime":718.11,"body":"for my listeners out there that"},{"speaker":"Average Joe Finances","startTime":718.11,"endTime":720.48,"body":"are wondering since we keep"},{"speaker":"Average Joe Finances","startTime":718.11,"endTime":720.48,"body":"saying FinTech, FinTech,"},{"speaker":"Average Joe Finances","startTime":720.48,"endTime":724.29,"body":"FinTech, what is FinTech? Can"},{"speaker":"Average Joe Finances","startTime":720.48,"endTime":724.29,"body":"you explain that?"},{"speaker":"Tristan Pelloux","startTime":724.38,"endTime":727.47,"body":"Yeah, I mean,"},{"speaker":"Tristan Pelloux","startTime":724.38,"endTime":727.47,"body":"at the very basic level is just"},{"speaker":"Tristan Pelloux","startTime":727.47,"endTime":731.61,"body":"like a combination of finance"},{"speaker":"Tristan Pelloux","startTime":727.47,"endTime":731.61,"body":"and technology. So it is"},{"speaker":"Tristan Pelloux","startTime":731.7,"endTime":735.48,"body":"financial technology. That's"},{"speaker":"Tristan Pelloux","startTime":731.7,"endTime":735.48,"body":"that's what it is. However, when"},{"speaker":"Tristan Pelloux","startTime":735.48,"endTime":738.87,"body":"people talk about FinTech"},{"speaker":"Tristan Pelloux","startTime":735.48,"endTime":738.87,"body":"usually what they mean is more"},{"speaker":"Tristan Pelloux","startTime":738.87,"endTime":743.07,"body":"like innovation in financial"},{"speaker":"Tristan Pelloux","startTime":738.87,"endTime":743.07,"body":"services. So how, you know how"},{"speaker":"Tristan Pelloux","startTime":743.07,"endTime":747.57,"body":"technology's changing financial"},{"speaker":"Tristan Pelloux","startTime":743.07,"endTime":747.57,"body":"services. And for me, I take"},{"speaker":"Tristan Pelloux","startTime":747.57,"endTime":751.47,"body":"even a broader view, which is"},{"speaker":"Tristan Pelloux","startTime":747.57,"endTime":751.47,"body":"innovation. So it doesn't only"},{"speaker":"Tristan Pelloux","startTime":751.47,"endTime":754.17,"body":"mean like technology, it can be"},{"speaker":"Tristan Pelloux","startTime":751.47,"endTime":754.17,"body":"like, you know, innovation in"},{"speaker":"Tristan Pelloux","startTime":754.17,"endTime":761.07,"body":"terms of business model in terms"},{"speaker":"Tristan Pelloux","startTime":754.17,"endTime":761.07,"body":"of strategy products. So this is"},{"speaker":"Tristan Pelloux","startTime":761.07,"endTime":766.26,"body":"a view I'm taking on FinTech."},{"speaker":"Tristan Pelloux","startTime":761.07,"endTime":766.26,"body":"But yet, so I mean, short"},{"speaker":"Tristan Pelloux","startTime":766.53,"endTime":770.19,"body":"shortcut is innovation in"},{"speaker":"Tristan Pelloux","startTime":766.53,"endTime":770.19,"body":"financial services, that's a"},{"speaker":"Tristan Pelloux","startTime":770.19,"endTime":773.28,"body":"good way to look at it. But"},{"speaker":"Tristan Pelloux","startTime":770.19,"endTime":773.28,"body":"really, you know, an ATM, you"},{"speaker":"Tristan Pelloux","startTime":773.28,"endTime":778.26,"body":"can argue an ATM is financial"},{"speaker":"Tristan Pelloux","startTime":773.28,"endTime":778.26,"body":"technology, right? So, there's"},{"speaker":"Tristan Pelloux","startTime":778.26,"endTime":782.4,"body":"that there, there are different"},{"speaker":"Tristan Pelloux","startTime":778.26,"endTime":782.4,"body":"news. But usually people talk"},{"speaker":"Tristan Pelloux","startTime":782.4,"endTime":787.71,"body":"about the past 10 to 20 years of"},{"speaker":"Tristan Pelloux","startTime":782.4,"endTime":787.71,"body":"innovation of new companies. So"},{"speaker":"Tristan Pelloux","startTime":787.86,"endTime":793.56,"body":"the fintechs coming to the"},{"speaker":"Tristan Pelloux","startTime":787.86,"endTime":793.56,"body":"market, and disrupting these"},{"speaker":"Tristan Pelloux","startTime":793.56,"endTime":794.13,"body":"industry."},{"speaker":"Average Joe Finances","startTime":794.22,"endTime":797.28,"body":"Yeah, you"},{"speaker":"Average Joe Finances","startTime":794.22,"endTime":797.28,"body":"know, and, and ATMs can,"},{"speaker":"Average Joe Finances","startTime":797.85,"endTime":800.88,"body":"depending on which ones you go"},{"speaker":"Average Joe Finances","startTime":797.85,"endTime":800.88,"body":"to, can be very dated"},{"speaker":"Average Joe Finances","startTime":800.88,"endTime":804.99,"body":"technology. Because there are"},{"speaker":"Average Joe Finances","startTime":800.88,"endTime":804.99,"body":"some that I go to, you go in"},{"speaker":"Average Joe Finances","startTime":804.99,"endTime":807.96,"body":"there and you start plugging in"},{"speaker":"Average Joe Finances","startTime":804.99,"endTime":807.96,"body":"your you know, you put your card"},{"speaker":"Average Joe Finances","startTime":807.96,"endTime":811.68,"body":"and you plug in your pin and"},{"speaker":"Average Joe Finances","startTime":807.96,"endTime":811.68,"body":"then you hear do a dial up. And"},{"speaker":"Average Joe Finances","startTime":811.68,"endTime":814.23,"body":"it's like on dial up internet"},{"speaker":"Average Joe Finances","startTime":811.68,"endTime":814.23,"body":"and I'm like, Are you serious? I"},{"speaker":"Average Joe Finances","startTime":814.23,"endTime":816.69,"body":"haven't heard these sounds since"},{"speaker":"Average Joe Finances","startTime":814.23,"endTime":816.69,"body":"I logged into AOL back in the"},{"speaker":"Average Joe Finances","startTime":816.69,"endTime":820.8,"body":"90s. What's going on here? So"},{"speaker":"Average Joe Finances","startTime":816.69,"endTime":820.8,"body":"yeah, it's it's it's, it's"},{"speaker":"Average Joe Finances","startTime":820.8,"endTime":823.92,"body":"crazy. You know, they've been"},{"speaker":"Average Joe Finances","startTime":820.8,"endTime":823.92,"body":"around for a while, but you"},{"speaker":"Average Joe Finances","startTime":823.92,"endTime":826.26,"body":"know, things are starting to"},{"speaker":"Average Joe Finances","startTime":823.92,"endTime":826.26,"body":"change. And, you know, with"},{"speaker":"Average Joe Finances","startTime":826.26,"endTime":828.96,"body":"that, you know, with with a lot"},{"speaker":"Average Joe Finances","startTime":826.26,"endTime":828.96,"body":"of, you know, electronic banking"},{"speaker":"Average Joe Finances","startTime":828.96,"endTime":832.23,"body":"and everything else that's going"},{"speaker":"Average Joe Finances","startTime":828.96,"endTime":832.23,"body":"on. I know, you like to talk a"},{"speaker":"Average Joe Finances","startTime":832.23,"endTime":836.61,"body":"lot about blockchain, right."},{"speaker":"Average Joe Finances","startTime":832.23,"endTime":836.61,"body":"And, and, and things like that."},{"speaker":"Average Joe Finances","startTime":836.61,"endTime":840.12,"body":"So I'm not the smartest when it"},{"speaker":"Average Joe Finances","startTime":836.61,"endTime":840.12,"body":"comes to that. And that's why"},{"speaker":"Average Joe Finances","startTime":840.12,"endTime":843.42,"body":"I'm kind of excited to talk to"},{"speaker":"Average Joe Finances","startTime":840.12,"endTime":843.42,"body":"you. Maybe you can educate me"},{"speaker":"Average Joe Finances","startTime":843.42,"endTime":846.24,"body":"and my audience a little bit"},{"speaker":"Average Joe Finances","startTime":843.42,"endTime":846.24,"body":"about that. But what are some of"},{"speaker":"Average Joe Finances","startTime":846.24,"endTime":851.52,"body":"the things that you know, in, in"},{"speaker":"Average Joe Finances","startTime":846.24,"endTime":851.52,"body":"FinTech today that excites you"},{"speaker":"Average Joe Finances","startTime":851.52,"endTime":853.44,"body":"that that, that you see what's"},{"speaker":"Average Joe Finances","startTime":851.52,"endTime":853.44,"body":"going on?"},{"speaker":"Tristan Pelloux","startTime":853.65,"endTime":856.26,"body":"Yeah, so I"},{"speaker":"Tristan Pelloux","startTime":853.65,"endTime":856.26,"body":"mean, besides that, the the"},{"speaker":"Tristan Pelloux","startTime":856.26,"endTime":859.77,"body":"obvious, you know, the Elephant,"},{"speaker":"Tristan Pelloux","startTime":856.26,"endTime":859.77,"body":"elephant in the room, as you"},{"speaker":"Tristan Pelloux","startTime":859.77,"endTime":865.59,"body":"say, crypto and Bitcoin. I think"},{"speaker":"Tristan Pelloux","startTime":859.77,"endTime":865.59,"body":"I mean, there there are many"},{"speaker":"Tristan Pelloux","startTime":865.59,"endTime":871.41,"body":"more things are changing the"},{"speaker":"Tristan Pelloux","startTime":865.59,"endTime":871.41,"body":"industry and changing really the"},{"speaker":"Tristan Pelloux","startTime":871.41,"endTime":876.39,"body":"business word. That for me more"},{"speaker":"Tristan Pelloux","startTime":871.41,"endTime":876.39,"body":"exciting. I see payments, for"},{"speaker":"Tristan Pelloux","startTime":876.39,"endTime":881.07,"body":"instance, where you are lots of"},{"speaker":"Tristan Pelloux","startTime":876.39,"endTime":881.07,"body":"innovation going on in payments."},{"speaker":"Tristan Pelloux","startTime":881.46,"endTime":885.57,"body":"I mean, I know like in the US"},{"speaker":"Tristan Pelloux","startTime":881.46,"endTime":885.57,"body":"that we have a different like"},{"speaker":"Tristan Pelloux","startTime":885.6,"endTime":891.27,"body":"ways of doing payments in Europe"},{"speaker":"Tristan Pelloux","startTime":885.6,"endTime":891.27,"body":"where we had ships for for a"},{"speaker":"Tristan Pelloux","startTime":891.27,"endTime":895.23,"body":"while and now we're all moving"},{"speaker":"Tristan Pelloux","startTime":891.27,"endTime":895.23,"body":"to contactless payments. So"},{"speaker":"Tristan Pelloux","startTime":895.29,"endTime":899.22,"body":"we're different stage. If you"},{"speaker":"Tristan Pelloux","startTime":895.29,"endTime":899.22,"body":"look at Asia, it's also again,"},{"speaker":"Tristan Pelloux","startTime":899.22,"endTime":901.98,"body":"different. Lots of mobile"},{"speaker":"Tristan Pelloux","startTime":899.22,"endTime":901.98,"body":"payments there are so many"},{"speaker":"Tristan Pelloux","startTime":901.98,"endTime":906.3,"body":"things that thing in payments"},{"speaker":"Tristan Pelloux","startTime":901.98,"endTime":906.3,"body":"like going from point of sale"},{"speaker":"Tristan Pelloux","startTime":906.3,"endTime":909.9,"body":"payments so when you go to a"},{"speaker":"Tristan Pelloux","startTime":906.3,"endTime":909.9,"body":"restaurant you pay to like"},{"speaker":"Tristan Pelloux","startTime":909.93,"endTime":915.15,"body":"online payments like the way you"},{"speaker":"Tristan Pelloux","startTime":909.93,"endTime":915.15,"body":"do checkout now and the way you"},{"speaker":"Tristan Pelloux","startTime":915.15,"endTime":918.81,"body":"were doing chicken before it's"},{"speaker":"Tristan Pelloux","startTime":915.15,"endTime":918.81,"body":"like it's more and more seamless"},{"speaker":"Tristan Pelloux","startTime":918.87,"endTime":923.34,"body":"and that's that's a broader"},{"speaker":"Tristan Pelloux","startTime":918.87,"endTime":923.34,"body":"trend that we call like embedded"},{"speaker":"Tristan Pelloux","startTime":923.34,"endTime":928.98,"body":"finance bedded banking so which"},{"speaker":"Tristan Pelloux","startTime":923.34,"endTime":928.98,"body":"just means that finance and"},{"speaker":"Tristan Pelloux","startTime":928.98,"endTime":931.89,"body":"banking is more and more"},{"speaker":"Tristan Pelloux","startTime":928.98,"endTime":931.89,"body":"embedded into the customer"},{"speaker":"Tristan Pelloux","startTime":931.89,"endTime":936.78,"body":"journey. So these are quite"},{"speaker":"Tristan Pelloux","startTime":931.89,"endTime":936.78,"body":"exciting and then yeah,"},{"speaker":"Tristan Pelloux","startTime":936.78,"endTime":941.82,"body":"obviously a lot of things"},{"speaker":"Tristan Pelloux","startTime":936.78,"endTime":941.82,"body":"happening with Bitcoin and"},{"speaker":"Tristan Pelloux","startTime":941.82,"endTime":945.96,"body":"cryptocurrencies which are"},{"speaker":"Tristan Pelloux","startTime":941.82,"endTime":945.96,"body":"interesting and I've been"},{"speaker":"Tristan Pelloux","startTime":945.96,"endTime":949.32,"body":"following for quite a while so"},{"speaker":"Tristan Pelloux","startTime":945.96,"endTime":949.32,"body":"either keep an eye on it it's"},{"speaker":"Tristan Pelloux","startTime":949.32,"endTime":953.43,"body":"not it's not keeping me up at"},{"speaker":"Tristan Pelloux","startTime":949.32,"endTime":953.43,"body":"night but I do find it"},{"speaker":"Tristan Pelloux","startTime":953.43,"endTime":954.42,"body":"interesting as a trend"},{"speaker":"Average Joe Finances","startTime":954.48,"endTime":956.49,"body":"okay. So"},{"speaker":"Average Joe Finances","startTime":954.48,"endTime":956.49,"body":"what is it that you find"},{"speaker":"Average Joe Finances","startTime":956.49,"endTime":960.09,"body":"interesting about"},{"speaker":"Average Joe Finances","startTime":956.49,"endTime":960.09,"body":"cryptocurrencies? You know, and"},{"speaker":"Average Joe Finances","startTime":960.09,"endTime":963.93,"body":"Bitcoin Well, you know, which is"},{"speaker":"Average Joe Finances","startTime":960.09,"endTime":963.93,"body":"a crypto as well but what what"},{"speaker":"Average Joe Finances","startTime":963.93,"endTime":968.37,"body":"is it that gets you excited"},{"speaker":"Average Joe Finances","startTime":963.93,"endTime":968.37,"body":"about cryptocurrencies? Because"},{"speaker":"Average Joe Finances","startTime":968.37,"endTime":972.06,"body":"I just me personally, I just I"},{"speaker":"Average Joe Finances","startTime":968.37,"endTime":972.06,"body":"haven't got on the train yet to"},{"speaker":"Average Joe Finances","startTime":972.06,"endTime":975.72,"body":"where I'm super excited about it"},{"speaker":"Average Joe Finances","startTime":972.06,"endTime":975.72,"body":"like I see where it's making an"},{"speaker":"Average Joe Finances","startTime":975.72,"endTime":978.3,"body":"impact and I see that it's here"},{"speaker":"Average Joe Finances","startTime":975.72,"endTime":978.3,"body":"to stay I mean, that's obvious"},{"speaker":"Average Joe Finances","startTime":978.3,"endTime":982.86,"body":"it's here to stay. But when when"},{"speaker":"Average Joe Finances","startTime":978.3,"endTime":982.86,"body":"I see like all the different"},{"speaker":"Average Joe Finances","startTime":982.86,"endTime":986.94,"body":"like alternative coins and the"},{"speaker":"Average Joe Finances","startTime":982.86,"endTime":986.94,"body":"different kryptos that are"},{"speaker":"Average Joe Finances","startTime":986.94,"endTime":989.76,"body":"coming out that it seems like"},{"speaker":"Average Joe Finances","startTime":986.94,"endTime":989.76,"body":"people are just making stuff up"},{"speaker":"Average Joe Finances","startTime":989.76,"endTime":994.2,"body":"as they go. And again, I'm not"},{"speaker":"Average Joe Finances","startTime":989.76,"endTime":994.2,"body":"smart enough on this stuff to"},{"speaker":"Average Joe Finances","startTime":994.2,"endTime":998.4,"body":"know like, what's good what's"},{"speaker":"Average Joe Finances","startTime":994.2,"endTime":998.4,"body":"not good? So when people ask me"},{"speaker":"Average Joe Finances","startTime":998.4,"endTime":1000.56,"body":"about crypto I'm like, Hey, you"},{"speaker":"Average Joe Finances","startTime":998.4,"endTime":1000.56,"body":"got to talk to someone that"},{"speaker":"Average Joe Finances","startTime":1000.56,"endTime":1003.17,"body":"actually knows about that stuff"},{"speaker":"Average Joe Finances","startTime":1000.56,"endTime":1003.17,"body":"because I don't have an eye you"},{"speaker":"Average Joe Finances","startTime":1003.17,"endTime":1008.27,"body":"know a clue. Now I've been"},{"speaker":"Average Joe Finances","startTime":1003.17,"endTime":1008.27,"body":"following Bitcoin for a long"},{"speaker":"Average Joe Finances","startTime":1008.27,"endTime":1012.35,"body":"time I remember back when I used"},{"speaker":"Average Joe Finances","startTime":1008.27,"endTime":1012.35,"body":"to you know I used to game and"},{"speaker":"Average Joe Finances","startTime":1012.35,"endTime":1014.9,"body":"stuff back in the day you know"},{"speaker":"Average Joe Finances","startTime":1012.35,"endTime":1014.9,"body":"and I'm gonna I'm gonna date"},{"speaker":"Average Joe Finances","startTime":1014.9,"endTime":1019.7,"body":"myself here playing in Starcraft"},{"speaker":"Average Joe Finances","startTime":1014.9,"endTime":1019.7,"body":"tournaments and I you know, I"},{"speaker":"Average Joe Finances","startTime":1019.7,"endTime":1022.94,"body":"remember back then it was like"},{"speaker":"Average Joe Finances","startTime":1019.7,"endTime":1022.94,"body":"birthplace you get 100 bucks"},{"speaker":"Average Joe Finances","startTime":1022.94,"endTime":1026.87,"body":"second place is 50 bucks third"},{"speaker":"Average Joe Finances","startTime":1022.94,"endTime":1026.87,"body":"place is 25 bucks, fourth and"},{"speaker":"Average Joe Finances","startTime":1026.87,"endTime":1031.16,"body":"fifth place you got 20 Bitcoin"},{"speaker":"Average Joe Finances","startTime":1026.87,"endTime":1031.16,"body":"and you didn't want to be the"},{"speaker":"Average Joe Finances","startTime":1031.16,"endTime":1034.4,"body":"guy who was in fourth or fifth"},{"speaker":"Average Joe Finances","startTime":1031.16,"endTime":1034.4,"body":"place getting 20 Bitcoin because"},{"speaker":"Average Joe Finances","startTime":1034.4,"endTime":1037.13,"body":"they were giving away Bitcoin"},{"speaker":"Average Joe Finances","startTime":1034.4,"endTime":1037.13,"body":"websites would give it away if"},{"speaker":"Average Joe Finances","startTime":1037.46,"endTime":1040.04,"body":"you you know you registered on"},{"speaker":"Average Joe Finances","startTime":1037.46,"endTime":1040.04,"body":"their site, so nobody wanted"},{"speaker":"Average Joe Finances","startTime":1040.04,"endTime":1043.7,"body":"that. And man, if I can go back"},{"speaker":"Average Joe Finances","startTime":1040.04,"endTime":1043.7,"body":"in time, I'd be like, man, I"},{"speaker":"Average Joe Finances","startTime":1043.7,"endTime":1046.88,"body":"want to come in fourth place"},{"speaker":"Average Joe Finances","startTime":1043.7,"endTime":1046.88,"body":"forget, you know, first second"},{"speaker":"Average Joe Finances","startTime":1046.88,"endTime":1049.76,"body":"and third I was like I want to"},{"speaker":"Average Joe Finances","startTime":1046.88,"endTime":1049.76,"body":"come in for to get the 20"},{"speaker":"Average Joe Finances","startTime":1049.76,"endTime":1055.22,"body":"Bitcoins. So it's what changed"},{"speaker":"Average Joe Finances","startTime":1049.76,"endTime":1055.22,"body":"what made Bitcoin jump and take"},{"speaker":"Average Joe Finances","startTime":1055.22,"endTime":1059.06,"body":"off the way it did. It's just"},{"speaker":"Average Joe Finances","startTime":1055.22,"endTime":1059.06,"body":"it's, it's, it's mind boggling"},{"speaker":"Average Joe Finances","startTime":1059.06,"endTime":1059.45,"body":"to me."},{"speaker":"Tristan Pelloux","startTime":1059.6,"endTime":1061.64,"body":"Yeah. So I"},{"speaker":"Tristan Pelloux","startTime":1059.6,"endTime":1061.64,"body":"mean, as I said, I've been"},{"speaker":"Tristan Pelloux","startTime":1061.64,"endTime":1067.61,"body":"following a lot as well, around"},{"speaker":"Tristan Pelloux","startTime":1061.64,"endTime":1067.61,"body":"her back in Sydney, 11 hours was"},{"speaker":"Tristan Pelloux","startTime":1067.61,"endTime":1071.87,"body":"in Business School, was this,"},{"speaker":"Tristan Pelloux","startTime":1067.61,"endTime":1071.87,"body":"you were studying to hear but"},{"speaker":"Tristan Pelloux","startTime":1071.87,"endTime":1077.36,"body":"this Bitcoin stuff? So looked at"},{"speaker":"Tristan Pelloux","startTime":1071.87,"endTime":1077.36,"body":"it was worth like four or $5. I"},{"speaker":"Tristan Pelloux","startTime":1077.36,"endTime":1080.63,"body":"was like, Yeah, I know, it's"},{"speaker":"Tristan Pelloux","startTime":1077.36,"endTime":1080.63,"body":"worth zero. But you see a bit of"},{"speaker":"Tristan Pelloux","startTime":1080.63,"endTime":1085.43,"body":"a bit of a mistake on on land."},{"speaker":"Tristan Pelloux","startTime":1080.63,"endTime":1085.43,"body":"But because the thing is, I"},{"speaker":"Tristan Pelloux","startTime":1085.43,"endTime":1088.4,"body":"mean, my background is finance."},{"speaker":"Tristan Pelloux","startTime":1085.43,"endTime":1088.4,"body":"And I've studied economics, and"},{"speaker":"Tristan Pelloux","startTime":1088.4,"endTime":1092.3,"body":"I even studied like econometrics"},{"speaker":"Tristan Pelloux","startTime":1088.4,"endTime":1092.3,"body":"in resonance, which are"},{"speaker":"Tristan Pelloux","startTime":1092.36,"endTime":1095.51,"body":"statistics applied to economics"},{"speaker":"Tristan Pelloux","startTime":1092.36,"endTime":1095.51,"body":"and stuff. So I do like"},{"speaker":"Tristan Pelloux","startTime":1095.51,"endTime":1099.62,"body":"economics or the way to look at"},{"speaker":"Tristan Pelloux","startTime":1095.51,"endTime":1099.62,"body":"Bitcoin is that it's a bit the"},{"speaker":"Tristan Pelloux","startTime":1099.62,"endTime":1104.72,"body":"same as the comparison is drawn"},{"speaker":"Tristan Pelloux","startTime":1099.62,"endTime":1104.72,"body":"a lot to gold, which is that"},{"speaker":"Tristan Pelloux","startTime":1105.2,"endTime":1108.86,"body":"value of Bitcoin is just the"},{"speaker":"Tristan Pelloux","startTime":1105.2,"endTime":1108.86,"body":"value that everybody agrees it"},{"speaker":"Tristan Pelloux","startTime":1108.86,"endTime":1113.96,"body":"as so we're all agreed as it's"},{"speaker":"Tristan Pelloux","startTime":1108.86,"endTime":1113.96,"body":"worth $5 or $5, the chores"},{"speaker":"Average Joe Finances","startTime":1114.44,"endTime":1117.5,"body":"it's what"},{"speaker":"Average Joe Finances","startTime":1114.44,"endTime":1117.5,"body":"we do with our currencies right"},{"speaker":"Average Joe Finances","startTime":1117.5,"endTime":1121.1,"body":"now. Like you know, same thing"},{"speaker":"Average Joe Finances","startTime":1117.5,"endTime":1121.1,"body":"with over where you're at with"},{"speaker":"Average Joe Finances","startTime":1121.1,"endTime":1125.09,"body":"the euro and what we do with the"},{"speaker":"Average Joe Finances","startTime":1121.1,"endTime":1125.09,"body":"US dollar, it's, it's, you know,"},{"speaker":"Average Joe Finances","startTime":1125.12,"endTime":1128.6,"body":"the, the faith of the people"},{"speaker":"Average Joe Finances","startTime":1125.12,"endTime":1128.6,"body":"that, you know, the dollars"},{"speaker":"Average Joe Finances","startTime":1128.6,"endTime":1133.55,"body":"worth $1 that a euro is worth"},{"speaker":"Average Joe Finances","startTime":1128.6,"endTime":1133.55,"body":"the Euro, right? So I kind of"},{"speaker":"Average Joe Finances","startTime":1133.55,"endTime":1137.81,"body":"look at it like that, but I just"},{"speaker":"Average Joe Finances","startTime":1133.55,"endTime":1137.81,"body":"I just don't see where it's like"},{"speaker":"Average Joe Finances","startTime":1137.84,"endTime":1140.78,"body":"it's tied to anything besides"},{"speaker":"Average Joe Finances","startTime":1137.84,"endTime":1140.78,"body":"the fact that they can only make"},{"speaker":"Average Joe Finances","startTime":1140.81,"endTime":1145.13,"body":"a limited amount, like I know"},{"speaker":"Average Joe Finances","startTime":1140.81,"endTime":1145.13,"body":"that it's going to cap and then"},{"speaker":"Average Joe Finances","startTime":1145.13,"endTime":1148.19,"body":"they can't make any more so I"},{"speaker":"Average Joe Finances","startTime":1145.13,"endTime":1148.19,"body":"get that the there'll be"},{"speaker":"Average Joe Finances","startTime":1148.19,"endTime":1153.14,"body":"scarcity, right? But what is it"},{"speaker":"Average Joe Finances","startTime":1148.19,"endTime":1153.14,"body":"tied to that actually holds"},{"speaker":"Average Joe Finances","startTime":1153.14,"endTime":1153.83,"body":"value,"},{"speaker":"Tristan Pelloux","startTime":1154.13,"endTime":1157.76,"body":"Yeah and it's"},{"speaker":"Tristan Pelloux","startTime":1154.13,"endTime":1157.76,"body":"as you say, just like, we all"},{"speaker":"Tristan Pelloux","startTime":1157.76,"endTime":1162.41,"body":"agree, it has some value so it"},{"speaker":"Tristan Pelloux","startTime":1157.76,"endTime":1162.41,"body":"has some value, but apart from"},{"speaker":"Tristan Pelloux","startTime":1162.41,"endTime":1168.62,"body":"that, that's that the only thing"},{"speaker":"Tristan Pelloux","startTime":1162.41,"endTime":1168.62,"body":"obviously the price the prices"},{"speaker":"Tristan Pelloux","startTime":1168.89,"endTime":1174.02,"body":"like the price is impacted by"},{"speaker":"Tristan Pelloux","startTime":1168.89,"endTime":1174.02,"body":"several factors like the the"},{"speaker":"Tristan Pelloux","startTime":1174.02,"endTime":1180.17,"body":"mining costs, for instance is"},{"speaker":"Tristan Pelloux","startTime":1174.02,"endTime":1180.17,"body":"impacting the price. surges of"},{"speaker":"Tristan Pelloux","startTime":1180.23,"endTime":1185.18,"body":"wash trading happening as well"},{"speaker":"Tristan Pelloux","startTime":1180.23,"endTime":1185.18,"body":"which is wash trading is is when"},{"speaker":"Tristan Pelloux","startTime":1185.24,"endTime":1189.32,"body":"on an exchange, you have like"},{"speaker":"Tristan Pelloux","startTime":1185.24,"endTime":1189.32,"body":"the same coin that is going back"},{"speaker":"Tristan Pelloux","startTime":1189.32,"endTime":1193.43,"body":"and forth between between"},{"speaker":"Tristan Pelloux","startTime":1189.32,"endTime":1193.43,"body":"several wallets, which is you"},{"speaker":"Tristan Pelloux","startTime":1193.43,"endTime":1196.1,"body":"know, it's a great practice is"},{"speaker":"Tristan Pelloux","startTime":1193.43,"endTime":1196.1,"body":"just to inflate the price of it."},{"speaker":"Tristan Pelloux","startTime":1196.49,"endTime":1199.88,"body":"So I think I mean, there that's"},{"speaker":"Tristan Pelloux","startTime":1196.49,"endTime":1199.88,"body":"the thing is, there's no"},{"speaker":"Tristan Pelloux","startTime":1199.88,"endTime":1205.73,"body":"fundamental way to look at it."},{"speaker":"Tristan Pelloux","startTime":1199.88,"endTime":1205.73,"body":"And that's why back in 711, I"},{"speaker":"Tristan Pelloux","startTime":1206.18,"endTime":1209.78,"body":"looked at it and I was like, I'm"},{"speaker":"Tristan Pelloux","startTime":1206.18,"endTime":1209.78,"body":"studying finance here. This this"},{"speaker":"Tristan Pelloux","startTime":1209.78,"endTime":1215.51,"body":"is not, this doesn't make sense."},{"speaker":"Tristan Pelloux","startTime":1209.78,"endTime":1215.51,"body":"And the the thing is a lot of"},{"speaker":"Tristan Pelloux","startTime":1215.51,"endTime":1219.53,"body":"institutional investors have"},{"speaker":"Tristan Pelloux","startTime":1215.51,"endTime":1219.53,"body":"taken the view which is same as"},{"speaker":"Tristan Pelloux","startTime":1219.56,"endTime":1224.18,"body":"gold is that okay, fine, well"},{"speaker":"Tristan Pelloux","startTime":1219.56,"endTime":1224.18,"body":"diversify and invest a bit in"},{"speaker":"Tristan Pelloux","startTime":1224.18,"endTime":1227.6,"body":"Bitcoin, because it makes sense"},{"speaker":"Tristan Pelloux","startTime":1224.18,"endTime":1227.6,"body":"as part of our portfolio"},{"speaker":"Tristan Pelloux","startTime":1227.6,"endTime":1231.29,"body":"strategy. And, and for me, as"},{"speaker":"Tristan Pelloux","startTime":1227.6,"endTime":1231.29,"body":"long as you consider crypto like"},{"speaker":"Tristan Pelloux","startTime":1231.29,"endTime":1236.0,"body":"this, which is a diversification"},{"speaker":"Tristan Pelloux","startTime":1231.29,"endTime":1236.0,"body":"tool, and we're not going all in"},{"speaker":"Tristan Pelloux","startTime":1236.06,"endTime":1240.89,"body":"and represent that you say 5% of"},{"speaker":"Tristan Pelloux","startTime":1236.06,"endTime":1240.89,"body":"my portfolio will be in Bitcoin."},{"speaker":"Tristan Pelloux","startTime":1241.25,"endTime":1245.63,"body":"I think this is very sensible."},{"speaker":"Tristan Pelloux","startTime":1241.25,"endTime":1245.63,"body":"And it's it's an approach that I"},{"speaker":"Tristan Pelloux","startTime":1245.63,"endTime":1249.53,"body":"can understand. She tells me"},{"speaker":"Tristan Pelloux","startTime":1245.63,"endTime":1249.53,"body":"kryptos are future and represent"},{"speaker":"Tristan Pelloux","startTime":1249.53,"endTime":1253.85,"body":"crypto, whatever, then I'm like,"},{"speaker":"Tristan Pelloux","startTime":1249.53,"endTime":1253.85,"body":"No, this is this is BS."},{"speaker":"Average Joe Finances","startTime":1254.0,"endTime":1256.31,"body":"Yeah, then"},{"speaker":"Average Joe Finances","startTime":1254.0,"endTime":1256.31,"body":"the flags didn't go up and"},{"speaker":"Average Joe Finances","startTime":1256.31,"endTime":1259.76,"body":"you're going to ask some"},{"speaker":"Average Joe Finances","startTime":1256.31,"endTime":1259.76,"body":"questions. So no, I okay. I like"},{"speaker":"Average Joe Finances","startTime":1259.76,"endTime":1263.84,"body":"that. That's definitely a more"},{"speaker":"Average Joe Finances","startTime":1259.76,"endTime":1263.84,"body":"reasonable answer than I"},{"speaker":"Average Joe Finances","startTime":1263.84,"endTime":1266.96,"body":"expected. Right? Because like"},{"speaker":"Average Joe Finances","startTime":1263.84,"endTime":1266.96,"body":"looking at your background and"},{"speaker":"Average Joe Finances","startTime":1266.96,"endTime":1270.14,"body":"everything, I was kind of like,"},{"speaker":"Average Joe Finances","startTime":1266.96,"endTime":1270.14,"body":"I thought you were gonna go with"},{"speaker":"Average Joe Finances","startTime":1270.14,"endTime":1275.18,"body":"the man, I'm all in crypto all"},{"speaker":"Average Joe Finances","startTime":1270.14,"endTime":1275.18,"body":"the way. 100% So no, that's"},{"speaker":"Average Joe Finances","startTime":1275.18,"endTime":1279.23,"body":"that's very reasonable. Awesome,"},{"speaker":"Average Joe Finances","startTime":1275.18,"endTime":1279.23,"body":"you know, because it's, it's all"},{"speaker":"Average Joe Finances","startTime":1279.23,"endTime":1282.38,"body":"about when you're looking at"},{"speaker":"Average Joe Finances","startTime":1279.23,"endTime":1282.38,"body":"your portfolio. And when you're,"},{"speaker":"Average Joe Finances","startTime":1282.74,"endTime":1284.9,"body":"you know, you're trying to build"},{"speaker":"Average Joe Finances","startTime":1282.74,"endTime":1284.9,"body":"for retirement, you're trying to"},{"speaker":"Average Joe Finances","startTime":1284.9,"endTime":1289.01,"body":"build wealth. Right? It's the"},{"speaker":"Average Joe Finances","startTime":1284.9,"endTime":1289.01,"body":"key thing is diversification."},{"speaker":"Average Joe Finances","startTime":1289.22,"endTime":1292.01,"body":"Right? So if you have a little"},{"speaker":"Average Joe Finances","startTime":1289.22,"endTime":1292.01,"body":"bit here a little bit there and"},{"speaker":"Average Joe Finances","startTime":1292.01,"endTime":1296.66,"body":"you're dabbling in crypto, it's"},{"speaker":"Average Joe Finances","startTime":1292.01,"endTime":1296.66,"body":"probably not a bad thing because"},{"speaker":"Average Joe Finances","startTime":1296.69,"endTime":1300.17,"body":"you know, we all seen what"},{"speaker":"Average Joe Finances","startTime":1296.69,"endTime":1300.17,"body":"bitcoins done from 2011 to where"},{"speaker":"Average Joe Finances","startTime":1300.17,"endTime":1304.91,"body":"it is today. I remember when it"},{"speaker":"Average Joe Finances","startTime":1300.17,"endTime":1304.91,"body":"hit $60 when I was looking at it"},{"speaker":"Average Joe Finances","startTime":1304.94,"endTime":1307.61,"body":"I thought that I thought it was"},{"speaker":"Average Joe Finances","startTime":1304.94,"endTime":1307.61,"body":"ridiculous I was like there's no"},{"speaker":"Average Joe Finances","startTime":1307.73,"endTime":1312.65,"body":"way How is this $60 and then it"},{"speaker":"Average Joe Finances","startTime":1307.73,"endTime":1312.65,"body":"was $1,000 and then it was"},{"speaker":"Average Joe Finances","startTime":1312.65,"endTime":1318.35,"body":"$9,000 and I'm like What is"},{"speaker":"Average Joe Finances","startTime":1312.65,"endTime":1318.35,"body":"going on? So this back in? I"},{"speaker":"Average Joe Finances","startTime":1318.35,"endTime":1321.59,"body":"think it was 2015 2016 is"},{"speaker":"Average Joe Finances","startTime":1318.35,"endTime":1321.59,"body":"actually when I bought some"},{"speaker":"Average Joe Finances","startTime":1321.59,"endTime":1327.11,"body":"Bitcoin when it was like seven"},{"speaker":"Average Joe Finances","startTime":1321.59,"endTime":1327.11,"body":"or $9,000 I remember I sold it"},{"speaker":"Average Joe Finances","startTime":1327.11,"endTime":1333.02,"body":"all when it got up to it went up"},{"speaker":"Average Joe Finances","startTime":1327.11,"endTime":1333.02,"body":"to 19 and then drop back down I"},{"speaker":"Average Joe Finances","startTime":1333.02,"endTime":1341.48,"body":"think I sold it at 12 and this"},{"speaker":"Average Joe Finances","startTime":1333.02,"endTime":1341.48,"body":"was in 2017 or 18 before I came"},{"speaker":"Average Joe Finances","startTime":1341.48,"endTime":1346.01,"body":"to Hawaii 2017 I think somewhere"},{"speaker":"Average Joe Finances","startTime":1341.48,"endTime":1346.01,"body":"around there and I didn't think"},{"speaker":"Average Joe Finances","startTime":1346.01,"endTime":1347.99,"body":"it was ever going to bounce back"},{"speaker":"Average Joe Finances","startTime":1346.01,"endTime":1347.99,"body":"from that as I go It peaked at"},{"speaker":"Average Joe Finances","startTime":1347.99,"endTime":1350.72,"body":"19,000 I don't think it's ever"},{"speaker":"Average Joe Finances","startTime":1347.99,"endTime":1350.72,"body":"going to go back up again and"},{"speaker":"Average Joe Finances","startTime":1351.26,"endTime":1355.67,"body":"and then man was I wrong we"},{"speaker":"Average Joe Finances","startTime":1351.26,"endTime":1355.67,"body":"jumped up to 60 and you know"},{"speaker":"Average Joe Finances","startTime":1355.67,"endTime":1359.99,"body":"it's back down at 40 right now"},{"speaker":"Average Joe Finances","startTime":1355.67,"endTime":1359.99,"body":"but you know some people think"},{"speaker":"Average Joe Finances","startTime":1359.99,"endTime":1363.5,"body":"it's going to be at six figures"},{"speaker":"Average Joe Finances","startTime":1359.99,"endTime":1363.5,"body":"by the end of the year. I don't"},{"speaker":"Average Joe Finances","startTime":1363.5,"endTime":1368.45,"body":"know you know, but if it if it"},{"speaker":"Average Joe Finances","startTime":1363.5,"endTime":1368.45,"body":"makes another run like it did a"},{"speaker":"Average Joe Finances","startTime":1368.45,"endTime":1372.8,"body":"couple months ago possibly you"},{"speaker":"Average Joe Finances","startTime":1368.45,"endTime":1372.8,"body":"know it's just it's it's kind of"},{"speaker":"Average Joe Finances","startTime":1372.8,"endTime":1375.95,"body":"wild to watch it it's the thing"},{"speaker":"Average Joe Finances","startTime":1372.8,"endTime":1375.95,"body":"that scares me though about"},{"speaker":"Average Joe Finances","startTime":1375.98,"endTime":1378.92,"body":"cryptocurrency is just how"},{"speaker":"Average Joe Finances","startTime":1375.98,"endTime":1378.92,"body":"volatile it is. You know it's"},{"speaker":"Average Joe Finances","startTime":1378.92,"endTime":1381.83,"body":"it's constantly in flux, you"},{"speaker":"Average Joe Finances","startTime":1378.92,"endTime":1381.83,"body":"know?"},{"speaker":"Tristan Pelloux","startTime":1382.28,"endTime":1385.61,"body":"Yeah, I think I"},{"speaker":"Tristan Pelloux","startTime":1382.28,"endTime":1385.61,"body":"mean it should go into into this"},{"speaker":"Tristan Pelloux","startTime":1385.64,"endTime":1389.18,"body":"I mean that's why I was saying"},{"speaker":"Tristan Pelloux","startTime":1385.64,"endTime":1389.18,"body":"for me I look at it as part of a"},{"speaker":"Tristan Pelloux","startTime":1389.72,"endTime":1393.23,"body":"portfolio strategy and you look"},{"speaker":"Tristan Pelloux","startTime":1389.72,"endTime":1393.23,"body":"at your risk adjusted returns"},{"speaker":"Tristan Pelloux","startTime":1393.23,"endTime":1397.4,"body":"and navigate one and you have"},{"speaker":"Tristan Pelloux","startTime":1393.23,"endTime":1397.4,"body":"real estate that is quite stable"},{"speaker":"Tristan Pelloux","startTime":1397.4,"endTime":1400.1,"body":"on the other end you have"},{"speaker":"Tristan Pelloux","startTime":1397.4,"endTime":1400.1,"body":"cryptocurrencies and and then"},{"speaker":"Tristan Pelloux","startTime":1400.19,"endTime":1403.52,"body":"one is going to be more volatile"},{"speaker":"Tristan Pelloux","startTime":1400.19,"endTime":1403.52,"body":"than the other and one will have"},{"speaker":"Tristan Pelloux","startTime":1403.52,"endTime":1408.26,"body":"more potential returns and the"},{"speaker":"Tristan Pelloux","startTime":1403.52,"endTime":1408.26,"body":"other but also I mean what what"},{"speaker":"Tristan Pelloux","startTime":1408.26,"endTime":1413.12,"body":"I find fascinating is lots of"},{"speaker":"Tristan Pelloux","startTime":1408.26,"endTime":1413.12,"body":"people don't have a good grasp"},{"speaker":"Tristan Pelloux","startTime":1413.12,"endTime":1417.65,"body":"of risks which is i mean it's"},{"speaker":"Tristan Pelloux","startTime":1413.12,"endTime":1417.65,"body":"it's fine i mean if you think"},{"speaker":"Tristan Pelloux","startTime":1417.68,"endTime":1422.81,"body":"you're going to make 250% on in"},{"speaker":"Tristan Pelloux","startTime":1417.68,"endTime":1422.81,"body":"a month on something just be"},{"speaker":"Tristan Pelloux","startTime":1422.81,"endTime":1426.17,"body":"ready to lose 100% because"},{"speaker":"Tristan Pelloux","startTime":1422.81,"endTime":1426.17,"body":"that's that's how it works there"},{"speaker":"Tristan Pelloux","startTime":1426.17,"endTime":1430.34,"body":"is no there are no investment"},{"speaker":"Tristan Pelloux","startTime":1426.17,"endTime":1430.34,"body":"they only go in one direction."},{"speaker":"Tristan Pelloux","startTime":1431.18,"endTime":1436.07,"body":"So as long as you're ready to"},{"speaker":"Tristan Pelloux","startTime":1431.18,"endTime":1436.07,"body":"lose a lot of money you can't"},{"speaker":"Tristan Pelloux","startTime":1436.1,"endTime":1440.39,"body":"you can't expect to to gain a"},{"speaker":"Tristan Pelloux","startTime":1436.1,"endTime":1440.39,"body":"lot of money. So that's that's"},{"speaker":"Tristan Pelloux","startTime":1440.39,"endTime":1444.05,"body":"the whole thing. I mean, and"},{"speaker":"Tristan Pelloux","startTime":1440.39,"endTime":1444.05,"body":"then I mean for me the price of"},{"speaker":"Tristan Pelloux","startTime":1444.05,"endTime":1449.03,"body":"bitcoin as well this this past"},{"speaker":"Tristan Pelloux","startTime":1444.05,"endTime":1449.03,"body":"year. And it's also because"},{"speaker":"Tristan Pelloux","startTime":1449.03,"endTime":1453.02,"body":"there is a lot of money in the"},{"speaker":"Tristan Pelloux","startTime":1449.03,"endTime":1453.02,"body":"system at the moment is that the"},{"speaker":"Tristan Pelloux","startTime":1453.05,"endTime":1458.96,"body":"money printing machine is"},{"speaker":"Tristan Pelloux","startTime":1453.05,"endTime":1458.96,"body":"working full regime. So it's"},{"speaker":"Tristan Pelloux","startTime":1458.96,"endTime":1461.3,"body":"going into all the asset"},{"speaker":"Tristan Pelloux","startTime":1458.96,"endTime":1461.3,"body":"classes, they're all going"},{"speaker":"Tristan Pelloux","startTime":1461.3,"endTime":1467.27,"body":"through the roof, which is"},{"speaker":"Tristan Pelloux","startTime":1461.3,"endTime":1467.27,"body":"asset, real estate like equity,"},{"speaker":"Tristan Pelloux","startTime":1467.3,"endTime":1470.36,"body":"everything is going through the"},{"speaker":"Tristan Pelloux","startTime":1467.3,"endTime":1470.36,"body":"roof. So venture capital,"},{"speaker":"Tristan Pelloux","startTime":1470.36,"endTime":1474.56,"body":"there's just too much money to"},{"speaker":"Tristan Pelloux","startTime":1470.36,"endTime":1474.56,"body":"invest and like money needs to"},{"speaker":"Tristan Pelloux","startTime":1474.56,"endTime":1477.2,"body":"find a place that's where all"},{"speaker":"Tristan Pelloux","startTime":1474.56,"endTime":1477.2,"body":"the institutional investors are"},{"speaker":"Tristan Pelloux","startTime":1477.2,"endTime":1480.68,"body":"like, where do we go, oh, let's"},{"speaker":"Tristan Pelloux","startTime":1477.2,"endTime":1480.68,"body":"go into crypto because they need"},{"speaker":"Tristan Pelloux","startTime":1480.68,"endTime":1483.35,"body":"to find a place they need to"},{"speaker":"Tristan Pelloux","startTime":1480.68,"endTime":1483.35,"body":"find yield. They need to find"},{"speaker":"Tristan Pelloux","startTime":1483.35,"endTime":1487.79,"body":"return so that's that's what"},{"speaker":"Tristan Pelloux","startTime":1483.35,"endTime":1487.79,"body":"also is propping the whole the"},{"speaker":"Tristan Pelloux","startTime":1487.79,"endTime":1488.42,"body":"whole thing."},{"speaker":"Average Joe Finances","startTime":1488.9,"endTime":1491.24,"body":"Yeah. And"},{"speaker":"Average Joe Finances","startTime":1488.9,"endTime":1491.24,"body":"and the people that are you"},{"speaker":"Average Joe Finances","startTime":1491.24,"endTime":1495.35,"body":"know, that are pumping it up and"},{"speaker":"Average Joe Finances","startTime":1491.24,"endTime":1495.35,"body":"and making the jump the way it"},{"speaker":"Average Joe Finances","startTime":1495.35,"endTime":1499.1,"body":"is it's not like they're"},{"speaker":"Average Joe Finances","startTime":1495.35,"endTime":1499.1,"body":"putting, you know, all of their"},{"speaker":"Average Joe Finances","startTime":1499.34,"endTime":1501.29,"body":"eggs in one bag. Ask it and"},{"speaker":"Average Joe Finances","startTime":1499.34,"endTime":1501.29,"body":"putting it all in there. I mean,"},{"speaker":"Average Joe Finances","startTime":1501.29,"endTime":1504.68,"body":"there, there probably are some"},{"speaker":"Average Joe Finances","startTime":1501.29,"endTime":1504.68,"body":"people I know, you know, you"},{"speaker":"Average Joe Finances","startTime":1504.68,"endTime":1507.44,"body":"read a lot of articles back when"},{"speaker":"Average Joe Finances","startTime":1504.68,"endTime":1507.44,"body":"the whole GameStop thing"},{"speaker":"Average Joe Finances","startTime":1507.44,"endTime":1510.65,"body":"happened. And then Dogecoin like"},{"speaker":"Average Joe Finances","startTime":1507.44,"endTime":1510.65,"body":"people taking their life savings"},{"speaker":"Average Joe Finances","startTime":1510.65,"endTime":1513.8,"body":"and dumping it into it. But"},{"speaker":"Average Joe Finances","startTime":1510.65,"endTime":1513.8,"body":"unfortunately they started a"},{"speaker":"Average Joe Finances","startTime":1513.8,"endTime":1517.04,"body":"little later in the game, they"},{"speaker":"Average Joe Finances","startTime":1513.8,"endTime":1517.04,"body":"wind up losing it all. So you"},{"speaker":"Average Joe Finances","startTime":1517.04,"endTime":1520.13,"body":"know, you have to you have to be"},{"speaker":"Average Joe Finances","startTime":1517.04,"endTime":1520.13,"body":"prepared with any investment,"},{"speaker":"Average Joe Finances","startTime":1520.79,"endTime":1523.4,"body":"that you know, it's a risk,"},{"speaker":"Average Joe Finances","startTime":1520.79,"endTime":1523.4,"body":"right? So you have to be"},{"speaker":"Average Joe Finances","startTime":1523.4,"endTime":1525.38,"body":"prepared that any money that"},{"speaker":"Average Joe Finances","startTime":1523.4,"endTime":1525.38,"body":"you're going to put into"},{"speaker":"Average Joe Finances","startTime":1525.38,"endTime":1530.24,"body":"anything, impossibly be lost,"},{"speaker":"Average Joe Finances","startTime":1525.38,"endTime":1530.24,"body":"right? So it's it's important"},{"speaker":"Average Joe Finances","startTime":1530.24,"endTime":1533.09,"body":"that whatever it is, you decide"},{"speaker":"Average Joe Finances","startTime":1530.24,"endTime":1533.09,"body":"to go into that you do your own"},{"speaker":"Average Joe Finances","startTime":1533.12,"endTime":1535.85,"body":"due diligence, right, and make"},{"speaker":"Average Joe Finances","startTime":1533.12,"endTime":1535.85,"body":"sure that it's something that"},{"speaker":"Average Joe Finances","startTime":1535.85,"endTime":1539.84,"body":"you're comfortable putting your"},{"speaker":"Average Joe Finances","startTime":1535.85,"endTime":1539.84,"body":"money into. And if it's, you"},{"speaker":"Average Joe Finances","startTime":1539.84,"endTime":1541.97,"body":"know, something like it's a"},{"speaker":"Average Joe Finances","startTime":1539.84,"endTime":1541.97,"body":"speculation and you're not"},{"speaker":"Average Joe Finances","startTime":1541.97,"endTime":1545.0,"body":"entirely sure that you know"},{"speaker":"Average Joe Finances","startTime":1541.97,"endTime":1545.0,"body":"which way it's going to go and,"},{"speaker":"Average Joe Finances","startTime":1545.33,"endTime":1548.27,"body":"and you haven't really done"},{"speaker":"Average Joe Finances","startTime":1545.33,"endTime":1548.27,"body":"enough research, then don't risk"},{"speaker":"Average Joe Finances","startTime":1548.27,"endTime":1551.21,"body":"it all. You know, don't go put"},{"speaker":"Average Joe Finances","startTime":1548.27,"endTime":1551.21,"body":"everything in there and put all"},{"speaker":"Average Joe Finances","startTime":1551.21,"endTime":1554.03,"body":"your eggs in one basket because"},{"speaker":"Average Joe Finances","startTime":1551.21,"endTime":1554.03,"body":"if you drop that basket, and"},{"speaker":"Average Joe Finances","startTime":1554.03,"endTime":1556.76,"body":"they all crack, you're not gonna"},{"speaker":"Average Joe Finances","startTime":1554.03,"endTime":1556.76,"body":"have any eggs left, you know."},{"speaker":"Average Joe Finances","startTime":1557.63,"endTime":1563.27,"body":"So, okay, so I want to know,"},{"speaker":"Average Joe Finances","startTime":1557.63,"endTime":1563.27,"body":"like, what over the past couple"},{"speaker":"Average Joe Finances","startTime":1563.27,"endTime":1566.63,"body":"of weeks or months has really"},{"speaker":"Average Joe Finances","startTime":1563.27,"endTime":1566.63,"body":"caught your attention with"},{"speaker":"Average Joe Finances","startTime":1566.63,"endTime":1568.22,"body":"what's going on in FinTech."},{"speaker":"Average Joe Finances","startTime":1566.63,"endTime":1568.22,"body":"today."},{"speaker":"Average Joe Finances","startTime":1568.46,"endTime":1571.7,"body":"Let's take a brief moment to"},{"speaker":"Average Joe Finances","startTime":1568.46,"endTime":1571.7,"body":"hear from our show sponsors"},{"speaker":"Average Joe Finances","startTime":1571.76,"endTime":1574.1,"body":"What's going on everybody? So"},{"speaker":"Average Joe Finances","startTime":1571.76,"endTime":1574.1,"body":"today I want to talk to you"},{"speaker":"Average Joe Finances","startTime":1574.1,"endTime":1576.74,"body":"about the podcast editing"},{"speaker":"Average Joe Finances","startTime":1574.1,"endTime":1576.74,"body":"service that we use for the"},{"speaker":"Average Joe Finances","startTime":1576.74,"endTime":1581.42,"body":"Average Joe Finances podcast"},{"speaker":"Average Joe Finances","startTime":1576.74,"endTime":1581.42,"body":"that is editpods.com and what I"},{"speaker":"Average Joe Finances","startTime":1581.42,"endTime":1585.05,"body":"really like about them is it's a"},{"speaker":"Average Joe Finances","startTime":1581.42,"endTime":1585.05,"body":"subscription based service. So"},{"speaker":"Average Joe Finances","startTime":1585.05,"endTime":1589.28,"body":"the prices are fantastic. And"},{"speaker":"Average Joe Finances","startTime":1585.05,"endTime":1589.28,"body":"not only do they do the podcast"},{"speaker":"Average Joe Finances","startTime":1589.28,"endTime":1592.73,"body":"episodes for us, but they also"},{"speaker":"Average Joe Finances","startTime":1589.28,"endTime":1592.73,"body":"make us videos, audiogram's"},{"speaker":"Average Joe Finances","startTime":1592.76,"endTime":1595.73,"body":"social media caption videos,"},{"speaker":"Average Joe Finances","startTime":1592.76,"endTime":1595.73,"body":"they do our show notes,"},{"speaker":"Average Joe Finances","startTime":1595.76,"endTime":1599.96,"body":"thumbnails, it's just fantastic"},{"speaker":"Average Joe Finances","startTime":1595.76,"endTime":1599.96,"body":"products. Go check them out at"},{"speaker":"Average Joe Finances","startTime":1600.02,"endTime":1604.31,"body":"editpods.com What's going on"},{"speaker":"Average Joe Finances","startTime":1600.02,"endTime":1604.31,"body":"everybody? So today I want to"},{"speaker":"Average Joe Finances","startTime":1604.31,"endTime":1607.58,"body":"talk to you about wealth"},{"speaker":"Average Joe Finances","startTime":1604.31,"endTime":1607.58,"body":"defender. If you are a finance"},{"speaker":"Average Joe Finances","startTime":1607.58,"endTime":1611.45,"body":"content creator, whether that's"},{"speaker":"Average Joe Finances","startTime":1607.58,"endTime":1611.45,"body":"a blog, a podcast, you're a"},{"speaker":"Average Joe Finances","startTime":1611.45,"endTime":1615.2,"body":"financial advisor or a financial"},{"speaker":"Average Joe Finances","startTime":1611.45,"endTime":1615.2,"body":"coach, I highly recommend you"},{"speaker":"Average Joe Finances","startTime":1615.2,"endTime":1618.98,"body":"check out wealth tender, wolf"},{"speaker":"Average Joe Finances","startTime":1615.2,"endTime":1618.98,"body":"tender is building a database of"},{"speaker":"Average Joe Finances","startTime":1618.98,"endTime":1623.48,"body":"all the top finance blogs,"},{"speaker":"Average Joe Finances","startTime":1618.98,"endTime":1623.48,"body":"podcasts, and the financial"},{"speaker":"Average Joe Finances","startTime":1623.48,"endTime":1626.18,"body":"advisors and financial coaches"},{"speaker":"Average Joe Finances","startTime":1623.48,"endTime":1626.18,"body":"that they have on there are"},{"speaker":"Average Joe Finances","startTime":1626.18,"endTime":1629.57,"body":"vetted and top notch so we"},{"speaker":"Average Joe Finances","startTime":1626.18,"endTime":1629.57,"body":"actually had the pleasure of"},{"speaker":"Average Joe Finances","startTime":1629.57,"endTime":1633.83,"body":"hosting Brian Thorp, the CEO and"},{"speaker":"Average Joe Finances","startTime":1629.57,"endTime":1633.83,"body":"founder of wealth tender on"},{"speaker":"Average Joe Finances","startTime":1633.83,"endTime":1638.51,"body":"Average Joe Finances podcast"},{"speaker":"Average Joe Finances","startTime":1633.83,"endTime":1638.51,"body":"episode 25 go check out that"},{"speaker":"Average Joe Finances","startTime":1638.51,"endTime":1641.36,"body":"episode, listen to his story and"},{"speaker":"Average Joe Finances","startTime":1638.51,"endTime":1641.36,"body":"listen to him talk about the"},{"speaker":"Average Joe Finances","startTime":1641.36,"endTime":1644.81,"body":"database that he's building."},{"speaker":"Average Joe Finances","startTime":1641.36,"endTime":1644.81,"body":"It's really phenomenal stuff. So"},{"speaker":"Average Joe Finances","startTime":1644.81,"endTime":1647.24,"body":"if you're interested in checking"},{"speaker":"Average Joe Finances","startTime":1644.81,"endTime":1647.24,"body":"out the directory, or if you're"},{"speaker":"Average Joe Finances","startTime":1647.24,"endTime":1650.39,"body":"a finance content creator and"},{"speaker":"Average Joe Finances","startTime":1647.24,"endTime":1650.39,"body":"you're interested in joining up"},{"speaker":"Average Joe Finances","startTime":1650.42,"endTime":1654.26,"body":"with the directory, go to the"},{"speaker":"Average Joe Finances","startTime":1650.42,"endTime":1654.26,"body":"link below in the show notes or"},{"speaker":"Average Joe Finances","startTime":1654.26,"endTime":1659.93,"body":"check out"},{"speaker":"Average Joe Finances","startTime":1654.26,"endTime":1659.93,"body":"www.AverageJoefinances.com/wealthtender"},{"speaker":"Average Joe Finances","startTime":1660.71,"endTime":1665.18,"body":"let's get back to today's"},{"speaker":"Average Joe Finances","startTime":1660.71,"endTime":1665.18,"body":"episode. You're listening to the"},{"speaker":"Average Joe Finances","startTime":1665.18,"endTime":1669.14,"body":"Average Joe Finances podcast"},{"speaker":"Average Joe Finances","startTime":1665.18,"endTime":1669.14,"body":"whether it's single or"},{"speaker":"Average Joe Finances","startTime":1669.14,"endTime":1673.4,"body":"multifamily real estate the"},{"speaker":"Average Joe Finances","startTime":1669.14,"endTime":1673.4,"body":"stock market or side hustles we"},{"speaker":"Average Joe Finances","startTime":1673.4,"endTime":1676.85,"body":"discuss it all strap in and"},{"speaker":"Average Joe Finances","startTime":1673.4,"endTime":1676.85,"body":"enjoy the ride"},{"speaker":"Tristan Pelloux","startTime":1681.92,"endTime":1685.61,"body":"regulations"},{"speaker":"Tristan Pelloux","startTime":1681.92,"endTime":1685.61,"body":"coming in the way is which is"},{"speaker":"Tristan Pelloux","startTime":1685.64,"endTime":1688.52,"body":"which is probably going to be"},{"speaker":"Tristan Pelloux","startTime":1685.64,"endTime":1688.52,"body":"good. Lots of people the unknown"},{"speaker":"Tristan Pelloux","startTime":1688.52,"endTime":1692.96,"body":"it's here to pay taxes the IRS"},{"speaker":"Tristan Pelloux","startTime":1688.52,"endTime":1692.96,"body":"is coming from the IRS is always"},{"speaker":"Tristan Pelloux","startTime":1692.96,"endTime":1696.32,"body":"coming for you always. So it's"},{"speaker":"Tristan Pelloux","startTime":1692.96,"endTime":1696.32,"body":"quite interesting what we'll see"},{"speaker":"Tristan Pelloux","startTime":1696.32,"endTime":1700.19,"body":"where this goes but it's obvious"},{"speaker":"Tristan Pelloux","startTime":1696.32,"endTime":1700.19,"body":"i think it's it's beautiful for"},{"speaker":"Tristan Pelloux","startTime":1700.19,"endTime":1704.72,"body":"the whole industry, mystery, you"},{"speaker":"Tristan Pelloux","startTime":1700.19,"endTime":1704.72,"body":"know, klarna raising a lot of"},{"speaker":"Tristan Pelloux","startTime":1704.72,"endTime":1710.03,"body":"money tells you a bit of story"},{"speaker":"Tristan Pelloux","startTime":1704.72,"endTime":1710.03,"body":"around consumer finance and how"},{"speaker":"Tristan Pelloux","startTime":1710.03,"endTime":1716.27,"body":"it's changing because by now pay"},{"speaker":"Tristan Pelloux","startTime":1710.03,"endTime":1716.27,"body":"later, is emerging as something"},{"speaker":"Tristan Pelloux","startTime":1716.27,"endTime":1722.0,"body":"very strong as an alternative to"},{"speaker":"Tristan Pelloux","startTime":1716.27,"endTime":1722.0,"body":"credit cards and personal loans."},{"speaker":"Tristan Pelloux","startTime":1722.27,"endTime":1725.3,"body":"It's quite it's quite an"},{"speaker":"Tristan Pelloux","startTime":1722.27,"endTime":1725.3,"body":"interesting trend. I think I"},{"speaker":"Tristan Pelloux","startTime":1725.3,"endTime":1731.6,"body":"look a lot at consumer finance"},{"speaker":"Tristan Pelloux","startTime":1725.3,"endTime":1731.6,"body":"in the US and in in Europe. And"},{"speaker":"Tristan Pelloux","startTime":1731.96,"endTime":1735.8,"body":"you can see that there is it an"},{"speaker":"Tristan Pelloux","startTime":1731.96,"endTime":1735.8,"body":"underlying trend with with"},{"speaker":"Tristan Pelloux","startTime":1735.8,"endTime":1741.02,"body":"binary later. People like it say"},{"speaker":"Tristan Pelloux","startTime":1735.8,"endTime":1741.02,"body":"like it's part of this old thing"},{"speaker":"Tristan Pelloux","startTime":1741.02,"endTime":1744.32,"body":"I was talking about, like"},{"speaker":"Tristan Pelloux","startTime":1741.02,"endTime":1744.32,"body":"embedded finance, which is you"},{"speaker":"Tristan Pelloux","startTime":1744.32,"endTime":1748.52,"body":"buy something at checkout tells"},{"speaker":"Tristan Pelloux","startTime":1744.32,"endTime":1748.52,"body":"you you can pay in three times"},{"speaker":"Tristan Pelloux","startTime":1748.52,"endTime":1753.02,"body":"five times Okay, fine. And it's"},{"speaker":"Tristan Pelloux","startTime":1748.52,"endTime":1753.02,"body":"it's a nice customer experience,"},{"speaker":"Tristan Pelloux","startTime":1753.11,"endTime":1757.25,"body":"the interest rate is sometimes"},{"speaker":"Tristan Pelloux","startTime":1753.11,"endTime":1757.25,"body":"zero because most of the time"},{"speaker":"Tristan Pelloux","startTime":1757.25,"endTime":1763.4,"body":"and the merchant is financing so"},{"speaker":"Tristan Pelloux","startTime":1757.25,"endTime":1763.4,"body":"that's why it's zero. So you pay"},{"speaker":"Tristan Pelloux","startTime":1763.4,"endTime":1768.53,"body":"like 10 times like and and it"},{"speaker":"Tristan Pelloux","startTime":1763.4,"endTime":1768.53,"body":"doesn't cost you anything. It's"},{"speaker":"Tristan Pelloux","startTime":1768.53,"endTime":1772.04,"body":"because actually someone is"},{"speaker":"Tristan Pelloux","startTime":1768.53,"endTime":1772.04,"body":"paying it's like it's not 10"},{"speaker":"Tristan Pelloux","startTime":1772.07,"endTime":1776.03,"body":"times and oh who is making money"},{"speaker":"Tristan Pelloux","startTime":1772.07,"endTime":1776.03,"body":"while current is making money."},{"speaker":"Tristan Pelloux","startTime":1776.03,"endTime":1780.35,"body":"It's the merchant is paying. So"},{"speaker":"Tristan Pelloux","startTime":1776.03,"endTime":1780.35,"body":"sometimes you pay sometimes just"},{"speaker":"Tristan Pelloux","startTime":1780.38,"endTime":1785.87,"body":"pay but it's an interesting I"},{"speaker":"Tristan Pelloux","startTime":1780.38,"endTime":1785.87,"body":"think business model and it has"},{"speaker":"Tristan Pelloux","startTime":1786.05,"endTime":1790.16,"body":"it has his pros and cons I think"},{"speaker":"Tristan Pelloux","startTime":1786.05,"endTime":1790.16,"body":"they're they're also the"},{"speaker":"Tristan Pelloux","startTime":1790.16,"endTime":1793.34,"body":"argument that people get more"},{"speaker":"Tristan Pelloux","startTime":1790.16,"endTime":1793.34,"body":"into that with that, that they"},{"speaker":"Tristan Pelloux","startTime":1793.34,"endTime":1797.81,"body":"don't see. They don't see it. Oh"},{"speaker":"Tristan Pelloux","startTime":1793.34,"endTime":1797.81,"body":"no, it's not. It's it's not"},{"speaker":"Tristan Pelloux","startTime":1797.81,"endTime":1802.04,"body":"credit. I'm just being 10 times"},{"speaker":"Tristan Pelloux","startTime":1797.81,"endTime":1802.04,"body":"Yeah, it's credit because it"},{"speaker":"Tristan Pelloux","startTime":1802.04,"endTime":1806.27,"body":"ties you over a period of time."},{"speaker":"Tristan Pelloux","startTime":1802.04,"endTime":1806.27,"body":"If you if you miss a payment,"},{"speaker":"Tristan Pelloux","startTime":1806.27,"endTime":1810.05,"body":"then it's the same. I mean, I"},{"speaker":"Tristan Pelloux","startTime":1806.27,"endTime":1810.05,"body":"don't know how in the US, but in"},{"speaker":"Tristan Pelloux","startTime":1810.05,"endTime":1812.72,"body":"the UK are starting to say,"},{"speaker":"Tristan Pelloux","startTime":1810.05,"endTime":1812.72,"body":"well, it should have the same"},{"speaker":"Tristan Pelloux","startTime":1812.72,"endTime":1816.56,"body":"impact as missing a payment on"},{"speaker":"Tristan Pelloux","startTime":1812.72,"endTime":1816.56,"body":"loan. So So is there, there's"},{"speaker":"Tristan Pelloux","startTime":1816.56,"endTime":1820.34,"body":"going to be like some red light"},{"speaker":"Tristan Pelloux","startTime":1816.56,"endTime":1820.34,"body":"reckoning with some changes"},{"speaker":"Tristan Pelloux","startTime":1820.34,"endTime":1820.58,"body":"around."},{"speaker":"Average Joe Finances","startTime":1820.79,"endTime":1822.62,"body":"So it's"},{"speaker":"Average Joe Finances","startTime":1820.79,"endTime":1822.62,"body":"some impact to your credit"},{"speaker":"Average Joe Finances","startTime":1822.62,"endTime":1823.1,"body":"score."},{"speaker":"Tristan Pelloux","startTime":1823.58,"endTime":1826.82,"body":"So it's an"},{"speaker":"Tristan Pelloux","startTime":1823.58,"endTime":1826.82,"body":"interesting trend for sure. I"},{"speaker":"Tristan Pelloux","startTime":1826.82,"endTime":1831.59,"body":"mean, I look at it, and I find"},{"speaker":"Tristan Pelloux","startTime":1826.82,"endTime":1831.59,"body":"it interesting. And the last"},{"speaker":"Tristan Pelloux","startTime":1831.59,"endTime":1836.3,"body":"one, I guess it's not, you were"},{"speaker":"Tristan Pelloux","startTime":1831.59,"endTime":1836.3,"body":"saying about GameStop. The whole"},{"speaker":"Tristan Pelloux","startTime":1836.66,"endTime":1841.07,"body":"Robin Hood, democratizing"},{"speaker":"Tristan Pelloux","startTime":1836.66,"endTime":1841.07,"body":"trading. This is to democratize"},{"speaker":"Tristan Pelloux","startTime":1841.07,"endTime":1846.68,"body":"investing. For me, what they try"},{"speaker":"Tristan Pelloux","startTime":1841.07,"endTime":1846.68,"body":"to incentivize is trading sign,"},{"speaker":"Tristan Pelloux","startTime":1846.89,"endTime":1851.54,"body":"like what they want you is to"},{"speaker":"Tristan Pelloux","startTime":1846.89,"endTime":1851.54,"body":"trade five times a day, like,"},{"speaker":"Tristan Pelloux","startTime":1851.78,"endTime":1856.34,"body":"buy some weird options. It's not"},{"speaker":"Tristan Pelloux","startTime":1851.78,"endTime":1856.34,"body":"about you. I mean, if you're"},{"speaker":"Tristan Pelloux","startTime":1856.34,"endTime":1859.01,"body":"investing, that's not what"},{"speaker":"Tristan Pelloux","startTime":1856.34,"endTime":1859.01,"body":"you're supposed to do is this is"},{"speaker":"Tristan Pelloux","startTime":1859.01,"endTime":1865.67,"body":"day trading. 80% of the people"},{"speaker":"Tristan Pelloux","startTime":1859.01,"endTime":1865.67,"body":"are gonna lose money. 90%. So I"},{"speaker":"Tristan Pelloux","startTime":1865.67,"endTime":1871.4,"body":"think it's obviously by seeing"},{"speaker":"Tristan Pelloux","startTime":1865.67,"endTime":1871.4,"body":"what they're doing. Understand."},{"speaker":"Tristan Pelloux","startTime":1871.46,"endTime":1876.11,"body":"But I'm also quite careful about"},{"speaker":"Tristan Pelloux","startTime":1871.46,"endTime":1876.11,"body":"what what kind of customer"},{"speaker":"Tristan Pelloux","startTime":1876.11,"endTime":1880.34,"body":"behavior to try to push for"},{"speaker":"Tristan Pelloux","startTime":1876.11,"endTime":1880.34,"body":"here."},{"speaker":"Average Joe Finances","startTime":1880.55,"endTime":1882.23,"body":"Yeah, so I"},{"speaker":"Average Joe Finances","startTime":1880.55,"endTime":1882.23,"body":"want to I want to go back to"},{"speaker":"Average Joe Finances","startTime":1882.23,"endTime":1885.35,"body":"what we were talking about with,"},{"speaker":"Average Joe Finances","startTime":1882.23,"endTime":1885.35,"body":"you know, that that point of"},{"speaker":"Average Joe Finances","startTime":1885.35,"endTime":1890.09,"body":"sale, payments now right with"},{"speaker":"Average Joe Finances","startTime":1885.35,"endTime":1890.09,"body":"with it being you said it was"},{"speaker":"Average Joe Finances","startTime":1890.09,"endTime":1893.03,"body":"with Karna? Right? When you say"},{"speaker":"Average Joe Finances","startTime":1890.09,"endTime":1893.03,"body":"somebody pays 10 times are you"},{"speaker":"Average Joe Finances","startTime":1893.03,"endTime":1896.27,"body":"talking about like when they go"},{"speaker":"Average Joe Finances","startTime":1893.03,"endTime":1896.27,"body":"and they check out and they get"},{"speaker":"Average Joe Finances","startTime":1896.27,"endTime":1901.07,"body":"their products that they have"},{"speaker":"Average Joe Finances","startTime":1896.27,"endTime":1901.07,"body":"the option? Or is it even? Is it"},{"speaker":"Average Joe Finances","startTime":1901.1,"endTime":1903.86,"body":"even an option? Or is it"},{"speaker":"Average Joe Finances","startTime":1901.1,"endTime":1903.86,"body":"automatic that they go and get"},{"speaker":"Average Joe Finances","startTime":1903.86,"endTime":1906.38,"body":"the products and Okay, you have"},{"speaker":"Average Joe Finances","startTime":1903.86,"endTime":1906.38,"body":"to make 10 payments now, you"},{"speaker":"Average Joe Finances","startTime":1906.38,"endTime":1910.19,"body":"know, over the next 10 months?"},{"speaker":"Average Joe Finances","startTime":1906.38,"endTime":1910.19,"body":"Or you said sometimes that"},{"speaker":"Average Joe Finances","startTime":1910.19,"endTime":1912.89,"body":"people would get it for free?"},{"speaker":"Average Joe Finances","startTime":1910.19,"endTime":1912.89,"body":"Like it's already it's already"},{"speaker":"Average Joe Finances","startTime":1912.89,"endTime":1917.15,"body":"paid for just depends on how it"},{"speaker":"Average Joe Finances","startTime":1912.89,"endTime":1917.15,"body":"how it is when you get up there?"},{"speaker":"Average Joe Finances","startTime":1917.15,"endTime":1919.04,"body":"Like I'm not entirely sure."},{"speaker":"Average Joe Finances","startTime":1917.15,"endTime":1919.04,"body":"Like, how does how does that"},{"speaker":"Average Joe Finances","startTime":1919.04,"endTime":1921.71,"body":"work? Like? Are some people"},{"speaker":"Average Joe Finances","startTime":1919.04,"endTime":1921.71,"body":"gonna wind up overpaying for"},{"speaker":"Average Joe Finances","startTime":1921.71,"endTime":1923.51,"body":"products while other people get"},{"speaker":"Average Joe Finances","startTime":1921.71,"endTime":1923.51,"body":"it for free?"},{"speaker":"Tristan Pelloux","startTime":1923.66,"endTime":1926.36,"body":"No, no, what I"},{"speaker":"Tristan Pelloux","startTime":1923.66,"endTime":1926.36,"body":"mean by that story is that"},{"speaker":"Tristan Pelloux","startTime":1926.66,"endTime":1930.56,"body":"sometimes at checkout, they tell"},{"speaker":"Tristan Pelloux","startTime":1926.66,"endTime":1930.56,"body":"you, oh, you can pay. Let's say"},{"speaker":"Tristan Pelloux","startTime":1930.56,"endTime":1934.49,"body":"you're buying something for your"},{"speaker":"Tristan Pelloux","startTime":1930.56,"endTime":1934.49,"body":"bank computer for $2,000. You"},{"speaker":"Tristan Pelloux","startTime":1934.49,"endTime":1939.17,"body":"can pay $10,000 now, but you can"},{"speaker":"Tristan Pelloux","startTime":1934.49,"endTime":1939.17,"body":"pay 10 times $200 over the next"},{"speaker":"Tristan Pelloux","startTime":1939.17,"endTime":1942.89,"body":"10 months. This is why you know"},{"speaker":"Tristan Pelloux","startTime":1939.17,"endTime":1942.89,"body":"this is the buy now pay later"},{"speaker":"Tristan Pelloux","startTime":1942.89,"endTime":1948.86,"body":"plan. And what I mean by that is"},{"speaker":"Tristan Pelloux","startTime":1942.89,"endTime":1948.86,"body":"that sometimes it would say Oh"},{"speaker":"Tristan Pelloux","startTime":1948.86,"endTime":1953.69,"body":"look, if you pay in 10 times,"},{"speaker":"Tristan Pelloux","startTime":1948.86,"endTime":1953.69,"body":"it's gonna be 2200. Because this"},{"speaker":"Tristan Pelloux","startTime":1953.69,"endTime":1956.57,"body":"is the interest on the on the"},{"speaker":"Tristan Pelloux","startTime":1953.69,"endTime":1956.57,"body":"loan. But sometimes they just"},{"speaker":"Tristan Pelloux","startTime":1956.57,"endTime":1961.67,"body":"tell you look, it's $2,000 pay"},{"speaker":"Tristan Pelloux","startTime":1956.57,"endTime":1961.67,"body":"now or it's $2,000. Like divided"},{"speaker":"Tristan Pelloux","startTime":1961.67,"endTime":1967.01,"body":"by 10. no cost for you. Oh,"},{"speaker":"Tristan Pelloux","startTime":1961.67,"endTime":1967.01,"body":"yeah, yeah. When this when this"},{"speaker":"Tristan Pelloux","startTime":1967.01,"endTime":1969.71,"body":"is your interest, no cost. What"},{"speaker":"Tristan Pelloux","startTime":1967.01,"endTime":1969.71,"body":"I meant is that someone is"},{"speaker":"Tristan Pelloux","startTime":1969.71,"endTime":1973.52,"body":"paying is that current is not"},{"speaker":"Tristan Pelloux","startTime":1969.71,"endTime":1973.52,"body":"doing it for free, or whoever is"},{"speaker":"Tristan Pelloux","startTime":1973.55,"endTime":1976.46,"body":"like, nothing is free. This"},{"speaker":"Tristan Pelloux","startTime":1973.55,"endTime":1976.46,"body":"word. So"},{"speaker":"Average Joe Finances","startTime":1976.61,"endTime":1980.69,"body":"yes, this"},{"speaker":"Average Joe Finances","startTime":1976.61,"endTime":1980.69,"body":"is paid by transaction fee or"},{"speaker":"Average Joe Finances","startTime":1980.69,"endTime":1984.56,"body":"like similar to like a point of"},{"speaker":"Average Joe Finances","startTime":1980.69,"endTime":1984.56,"body":"sale with a credit card? Or is"},{"speaker":"Average Joe Finances","startTime":1984.56,"endTime":1989.33,"body":"it like do they get paid per"},{"speaker":"Average Joe Finances","startTime":1984.56,"endTime":1989.33,"body":"payment? Like if you had that"},{"speaker":"Average Joe Finances","startTime":1989.33,"endTime":1991.97,"body":"like over a 10 month period? Are"},{"speaker":"Average Joe Finances","startTime":1989.33,"endTime":1991.97,"body":"they getting paid like per"},{"speaker":"Average Joe Finances","startTime":1991.97,"endTime":1995.0,"body":"transaction or per payment? How"},{"speaker":"Average Joe Finances","startTime":1991.97,"endTime":1995.0,"body":"does that work?"},{"speaker":"Tristan Pelloux","startTime":1995.15,"endTime":1999.53,"body":"So I mean, what"},{"speaker":"Tristan Pelloux","startTime":1995.15,"endTime":1999.53,"body":"I what I've seen before some of"},{"speaker":"Tristan Pelloux","startTime":1999.53,"endTime":2004.81,"body":"the developing products in that"},{"speaker":"Tristan Pelloux","startTime":1999.53,"endTime":2004.81,"body":"space, is there various options."},{"speaker":"Tristan Pelloux","startTime":2005.41,"endTime":2012.22,"body":"But typically, it's the merchant"},{"speaker":"Tristan Pelloux","startTime":2005.41,"endTime":2012.22,"body":"is paying the interest rate. So"},{"speaker":"Tristan Pelloux","startTime":2012.22,"endTime":2016.21,"body":"the e commerce website or"},{"speaker":"Tristan Pelloux","startTime":2012.22,"endTime":2016.21,"body":"whatever, they're going to pay"},{"speaker":"Tristan Pelloux","startTime":2016.21,"endTime":2022.06,"body":"the 90% APR 5% APR, whatever the"},{"speaker":"Tristan Pelloux","startTime":2016.21,"endTime":2022.06,"body":"interest rate on the loan, it"},{"speaker":"Tristan Pelloux","startTime":2022.06,"endTime":2027.55,"body":"will be the one that that fit"},{"speaker":"Tristan Pelloux","startTime":2022.06,"endTime":2027.55,"body":"the bill could the bill and"},{"speaker":"Tristan Pelloux","startTime":2028.12,"endTime":2031.87,"body":"that's that it can be just a"},{"speaker":"Tristan Pelloux","startTime":2028.12,"endTime":2031.87,"body":"fixed fee as well. It can be"},{"speaker":"Tristan Pelloux","startTime":2031.96,"endTime":2036.88,"body":"different, but usually, What I"},{"speaker":"Tristan Pelloux","startTime":2031.96,"endTime":2036.88,"body":"meant is that someone from this"},{"speaker":"Tristan Pelloux","startTime":2036.88,"endTime":2038.44,"body":"bank website is usually pay"},{"speaker":"Average Joe Finances","startTime":2038.709,"endTime":2040.689,"body":"Yeah, for"},{"speaker":"Average Joe Finances","startTime":2038.709,"endTime":2040.689,"body":"sure. So so it's the it's the"},{"speaker":"Average Joe Finances","startTime":2040.689,"endTime":2045.129,"body":"actual vendor who's going to be"},{"speaker":"Average Joe Finances","startTime":2040.689,"endTime":2045.129,"body":"paying that cost in that"},{"speaker":"Average Joe Finances","startTime":2045.129,"endTime":2049.059,"body":"particular situation if you're"},{"speaker":"Average Joe Finances","startTime":2045.129,"endTime":2049.059,"body":"getting it for like 0%. So yeah,"},{"speaker":"Average Joe Finances","startTime":2049.119,"endTime":2052.509,"body":"okay. Right on. Yeah, this this"},{"speaker":"Average Joe Finances","startTime":2049.119,"endTime":2052.509,"body":"is definitely some interesting"},{"speaker":"Average Joe Finances","startTime":2052.509,"endTime":2055.749,"body":"stuff. It's not stuff that I"},{"speaker":"Average Joe Finances","startTime":2052.509,"endTime":2055.749,"body":"talk about every day, or have"},{"speaker":"Average Joe Finances","startTime":2055.749,"endTime":2058.839,"body":"guests on to talk about this"},{"speaker":"Average Joe Finances","startTime":2055.749,"endTime":2058.839,"body":"stuff every day. So it's, it's"},{"speaker":"Average Joe Finances","startTime":2058.839,"endTime":2061.929,"body":"definitely interesting to learn."},{"speaker":"Average Joe Finances","startTime":2058.839,"endTime":2061.929,"body":"You know what I'm learning"},{"speaker":"Average Joe Finances","startTime":2061.929,"endTime":2066.909,"body":"today. So now out of all these"},{"speaker":"Average Joe Finances","startTime":2061.929,"endTime":2066.909,"body":"things that that you're looking"},{"speaker":"Average Joe Finances","startTime":2066.909,"endTime":2072.009,"body":"at that kind of get you excited,"},{"speaker":"Average Joe Finances","startTime":2066.909,"endTime":2072.009,"body":"what would you say is probably"},{"speaker":"Average Joe Finances","startTime":2072.009,"endTime":2076.509,"body":"the most exciting thing? Is it"},{"speaker":"Average Joe Finances","startTime":2072.009,"endTime":2076.509,"body":"crypto, or is it this new point"},{"speaker":"Average Joe Finances","startTime":2076.509,"endTime":2079.509,"body":"of sale system? What is it"},{"speaker":"Average Joe Finances","startTime":2076.509,"endTime":2079.509,"body":"that's that's exciting the most"},{"speaker":"Average Joe Finances","startTime":2079.509,"endTime":2079.989,"body":"right now."},{"speaker":"Tristan Pelloux","startTime":2080.47,"endTime":2084.55,"body":"So when what is"},{"speaker":"Tristan Pelloux","startTime":2080.47,"endTime":2084.55,"body":"exciting me at the moment is the"},{"speaker":"Tristan Pelloux","startTime":2084.55,"endTime":2089.29,"body":"whole wealth management space."},{"speaker":"Tristan Pelloux","startTime":2084.55,"endTime":2089.29,"body":"So I'm working on my on a little"},{"speaker":"Tristan Pelloux","startTime":2089.29,"endTime":2094.33,"body":"project of mine, okay, and a new"},{"speaker":"Tristan Pelloux","startTime":2089.29,"endTime":2094.33,"body":"company in that space, because"},{"speaker":"Tristan Pelloux","startTime":2094.63,"endTime":2098.29,"body":"what I was saying is that, I"},{"speaker":"Tristan Pelloux","startTime":2094.63,"endTime":2098.29,"body":"think it's great. There are lots"},{"speaker":"Tristan Pelloux","startTime":2098.29,"endTime":2102.7,"body":"of Investing Options. I've been"},{"speaker":"Tristan Pelloux","startTime":2098.29,"endTime":2102.7,"body":"out there now you can invest in"},{"speaker":"Tristan Pelloux","startTime":2102.76,"endTime":2108.16,"body":"so many asset classes these"},{"speaker":"Tristan Pelloux","startTime":2102.76,"endTime":2108.16,"body":"days. This was possible before"},{"speaker":"Tristan Pelloux","startTime":2108.16,"endTime":2110.41,"body":"before you couldn't invest in"},{"speaker":"Tristan Pelloux","startTime":2108.16,"endTime":2110.41,"body":"venture capital like in"},{"speaker":"Tristan Pelloux","startTime":2110.41,"endTime":2115.21,"body":"startups. Now you have"},{"speaker":"Tristan Pelloux","startTime":2110.41,"endTime":2115.21,"body":"crowdfunding you have ETFs in"},{"speaker":"Tristan Pelloux","startTime":2115.75,"endTime":2120.16,"body":"absolutely everything you know I"},{"speaker":"Tristan Pelloux","startTime":2115.75,"endTime":2120.16,"body":"made some investment last year"},{"speaker":"Tristan Pelloux","startTime":2120.19,"endTime":2125.17,"body":"in oil and because you can you"},{"speaker":"Tristan Pelloux","startTime":2120.19,"endTime":2125.17,"body":"can play you can play all"},{"speaker":"Tristan Pelloux","startTime":2125.17,"endTime":2129.79,"body":"situations now it's like amazing"},{"speaker":"Tristan Pelloux","startTime":2125.17,"endTime":2129.79,"body":"what you can do now in terms of"},{"speaker":"Tristan Pelloux","startTime":2130.6,"endTime":2134.11,"body":"in terms of asset classes you"},{"speaker":"Tristan Pelloux","startTime":2130.6,"endTime":2134.11,"body":"can invest into it however what"},{"speaker":"Tristan Pelloux","startTime":2134.11,"endTime":2141.04,"body":"I'm not seeing yet is the tool"},{"speaker":"Tristan Pelloux","startTime":2134.11,"endTime":2141.04,"body":"to help you actually plan what"},{"speaker":"Tristan Pelloux","startTime":2141.22,"endTime":2145.42,"body":"what where you should invest and"},{"speaker":"Tristan Pelloux","startTime":2141.22,"endTime":2145.42,"body":"like help you in the decisions"},{"speaker":"Tristan Pelloux","startTime":2145.42,"endTime":2150.34,"body":"you're making browsers and"},{"speaker":"Tristan Pelloux","startTime":2145.42,"endTime":2150.34,"body":"telling people oh you know you"},{"speaker":"Tristan Pelloux","startTime":2150.34,"endTime":2157.27,"body":"should trade options and buy buy"},{"speaker":"Tristan Pelloux","startTime":2150.34,"endTime":2157.27,"body":"like exotic options on GameStop"},{"speaker":"Tristan Pelloux","startTime":2157.33,"endTime":2159.91,"body":"I'm like yeah now but this is"},{"speaker":"Tristan Pelloux","startTime":2157.33,"endTime":2159.91,"body":"not this is not an investment"},{"speaker":"Tristan Pelloux","startTime":2159.91,"endTime":2165.19,"body":"strategy. What I was saying how"},{"speaker":"Tristan Pelloux","startTime":2159.91,"endTime":2165.19,"body":"like a tool to help you like you"},{"speaker":"Tristan Pelloux","startTime":2165.19,"endTime":2169.33,"body":"should diversify you should do"},{"speaker":"Tristan Pelloux","startTime":2165.19,"endTime":2169.33,"body":"all of these and you should have"},{"speaker":"Tristan Pelloux","startTime":2169.33,"endTime":2172.84,"body":"money in that asset class you"},{"speaker":"Tristan Pelloux","startTime":2169.33,"endTime":2172.84,"body":"should have this so this is"},{"speaker":"Tristan Pelloux","startTime":2172.84,"endTime":2176.8,"body":"quite a seeing a field that I"},{"speaker":"Tristan Pelloux","startTime":2172.84,"endTime":2176.8,"body":"don't see a lot of things"},{"speaker":"Tristan Pelloux","startTime":2176.8,"endTime":2182.47,"body":"happening I see a few things but"},{"speaker":"Tristan Pelloux","startTime":2176.8,"endTime":2182.47,"body":"I don't see like you know, your"},{"speaker":"Tristan Pelloux","startTime":2182.83,"endTime":2186.97,"body":"Robin Hood or financial planning"},{"speaker":"Tristan Pelloux","startTime":2182.83,"endTime":2186.97,"body":"you're like someone tackling"},{"speaker":"Tristan Pelloux","startTime":2186.97,"endTime":2191.95,"body":"this and saying I'm going to"},{"speaker":"Tristan Pelloux","startTime":2186.97,"endTime":2191.95,"body":"help you guys this is going to"},{"speaker":"Tristan Pelloux","startTime":2192.19,"endTime":2194.47,"body":"I'm going to manage your I'm"},{"speaker":"Tristan Pelloux","startTime":2192.19,"endTime":2194.47,"body":"going to help you manage your"},{"speaker":"Tristan Pelloux","startTime":2194.47,"endTime":2197.92,"body":"wealth because you can do it if"},{"speaker":"Tristan Pelloux","startTime":2194.47,"endTime":2197.92,"body":"you have you know just $50"},{"speaker":"Tristan Pelloux","startTime":2197.92,"endTime":2200.95,"body":"million of course you're gonna"},{"speaker":"Tristan Pelloux","startTime":2197.92,"endTime":2200.95,"body":"have like wealth managers all"},{"speaker":"Tristan Pelloux","startTime":2200.95,"endTime":2204.01,"body":"over you and they're gonna do"},{"speaker":"Tristan Pelloux","startTime":2200.95,"endTime":2204.01,"body":"this for you. But what happens"},{"speaker":"Tristan Pelloux","startTime":2204.01,"endTime":2207.73,"body":"is you should have a bit of"},{"speaker":"Tristan Pelloux","startTime":2204.01,"endTime":2207.73,"body":"money and everybody can plan"},{"speaker":"Tristan Pelloux","startTime":2208.3,"endTime":2211.84,"body":"everybody can do financial"},{"speaker":"Tristan Pelloux","startTime":2208.3,"endTime":2211.84,"body":"planning it's it's it's the"},{"speaker":"Tristan Pelloux","startTime":2211.84,"endTime":2216.25,"body":"whole thing were you saying you"},{"speaker":"Tristan Pelloux","startTime":2211.84,"endTime":2216.25,"body":"need money to plan your money?"},{"speaker":"Tristan Pelloux","startTime":2216.28,"endTime":2221.17,"body":"No, you just you can invest $100"},{"speaker":"Tristan Pelloux","startTime":2216.28,"endTime":2221.17,"body":"a month and build your wealth"},{"speaker":"Tristan Pelloux","startTime":2221.17,"endTime":2226.21,"body":"over time and you can invest"},{"speaker":"Tristan Pelloux","startTime":2221.17,"endTime":2226.21,"body":"100,000 fine it's just but this"},{"speaker":"Tristan Pelloux","startTime":2226.21,"endTime":2231.31,"body":"whole plan for your future and"},{"speaker":"Tristan Pelloux","startTime":2226.21,"endTime":2231.31,"body":"this is what gets me excited the"},{"speaker":"Tristan Pelloux","startTime":2231.31,"endTime":2231.79,"body":"moment"},{"speaker":"Average Joe Finances","startTime":2232.0,"endTime":2234.01,"body":"yeah So"},{"speaker":"Average Joe Finances","startTime":2232.0,"endTime":2234.01,"body":"what you're saying is like you"},{"speaker":"Average Joe Finances","startTime":2234.01,"endTime":2237.28,"body":"know you don't see a lot of like"},{"speaker":"Average Joe Finances","startTime":2234.01,"endTime":2237.28,"body":"stuff that's out there for Do It"},{"speaker":"Average Joe Finances","startTime":2237.28,"endTime":2241.36,"body":"Yourself planning right you"},{"speaker":"Average Joe Finances","startTime":2237.28,"endTime":2241.36,"body":"know, so unless you're going out"},{"speaker":"Average Joe Finances","startTime":2241.36,"endTime":2244.57,"body":"there and hiring a financial"},{"speaker":"Average Joe Finances","startTime":2241.36,"endTime":2244.57,"body":"advisor You know, there's not"},{"speaker":"Average Joe Finances","startTime":2244.57,"endTime":2247.57,"body":"really a lot of options for you"},{"speaker":"Average Joe Finances","startTime":2244.57,"endTime":2247.57,"body":"to sit there and manage your"},{"speaker":"Average Joe Finances","startTime":2247.57,"endTime":2251.59,"body":"wealth yourself with with having"},{"speaker":"Average Joe Finances","startTime":2247.57,"endTime":2251.59,"body":"some type of like guidance to"},{"speaker":"Average Joe Finances","startTime":2251.59,"endTime":2254.8,"body":"help you I mean, you know,"},{"speaker":"Average Joe Finances","startTime":2251.59,"endTime":2254.8,"body":"there's like there's robo"},{"speaker":"Average Joe Finances","startTime":2254.8,"endTime":2258.91,"body":"advisors and things like that"},{"speaker":"Average Joe Finances","startTime":2254.8,"endTime":2258.91,"body":"but it's it's not the same as"},{"speaker":"Average Joe Finances","startTime":2259.15,"endTime":2262.33,"body":"you really doing it yourself"},{"speaker":"Average Joe Finances","startTime":2259.15,"endTime":2262.33,"body":"right? And you know, there's a"},{"speaker":"Average Joe Finances","startTime":2262.33,"endTime":2265.09,"body":"lot of people out there that you"},{"speaker":"Average Joe Finances","startTime":2262.33,"endTime":2265.09,"body":"know, take pride in being able"},{"speaker":"Average Joe Finances","startTime":2265.09,"endTime":2270.1,"body":"to do things themselves you"},{"speaker":"Average Joe Finances","startTime":2265.09,"endTime":2270.1,"body":"know, like I have a portfolio"},{"speaker":"Average Joe Finances","startTime":2270.1,"endTime":2273.61,"body":"that that's just you know, some"},{"speaker":"Average Joe Finances","startTime":2270.1,"endTime":2273.61,"body":"play money that I you know, mess"},{"speaker":"Average Joe Finances","startTime":2273.61,"endTime":2278.38,"body":"around with and I'm excited"},{"speaker":"Average Joe Finances","startTime":2273.61,"endTime":2278.38,"body":"because it's averaging 30% for"},{"speaker":"Average Joe Finances","startTime":2278.38,"endTime":2281.62,"body":"the year so it's it's you know,"},{"speaker":"Average Joe Finances","startTime":2278.38,"endTime":2281.62,"body":"it's and it's just that's"},{"speaker":"Average Joe Finances","startTime":2281.62,"endTime":2284.95,"body":"something I did myself it was"},{"speaker":"Average Joe Finances","startTime":2281.62,"endTime":2284.95,"body":"you know, the research I did and"},{"speaker":"Average Joe Finances","startTime":2285.19,"endTime":2286.87,"body":"and things like that there's"},{"speaker":"Average Joe Finances","startTime":2285.19,"endTime":2286.87,"body":"kind of like that self"},{"speaker":"Average Joe Finances","startTime":2286.87,"endTime":2289.63,"body":"gratification you're like oh, I"},{"speaker":"Average Joe Finances","startTime":2286.87,"endTime":2289.63,"body":"did this you know, I didn't have"},{"speaker":"Average Joe Finances","startTime":2289.63,"endTime":2293.38,"body":"to hire somebody Yeah, I do have"},{"speaker":"Average Joe Finances","startTime":2289.63,"endTime":2293.38,"body":"a financial advisor that manages"},{"speaker":"Average Joe Finances","startTime":2293.38,"endTime":2297.73,"body":"other accounts right but this"},{"speaker":"Average Joe Finances","startTime":2293.38,"endTime":2297.73,"body":"was just something for me to see"},{"speaker":"Average Joe Finances","startTime":2297.73,"endTime":2302.14,"body":"if I can do it. And it's funny"},{"speaker":"Average Joe Finances","startTime":2297.73,"endTime":2302.14,"body":"because I started this whole"},{"speaker":"Average Joe Finances","startTime":2302.14,"endTime":2305.86,"body":"thing as a speculation account"},{"speaker":"Average Joe Finances","startTime":2302.14,"endTime":2305.86,"body":"and it wound up turning into me"},{"speaker":"Average Joe Finances","startTime":2305.86,"endTime":2310.81,"body":"investing into safer bets like"},{"speaker":"Average Joe Finances","startTime":2305.86,"endTime":2310.81,"body":"things that I knew I liked like"},{"speaker":"Average Joe Finances","startTime":2310.81,"endTime":2313.84,"body":"different dividend paying assets"},{"speaker":"Average Joe Finances","startTime":2310.81,"endTime":2313.84,"body":"like real estate investment"},{"speaker":"Average Joe Finances","startTime":2313.84,"endTime":2317.17,"body":"trusts and things like that so"},{"speaker":"Average Joe Finances","startTime":2313.84,"endTime":2317.17,"body":"yeah, that's definitely"},{"speaker":"Average Joe Finances","startTime":2317.17,"endTime":2320.29,"body":"something that excites me too"},{"speaker":"Average Joe Finances","startTime":2317.17,"endTime":2320.29,"body":"when when I get to you know, get"},{"speaker":"Average Joe Finances","startTime":2320.29,"endTime":2322.93,"body":"in there and do some stuff"},{"speaker":"Average Joe Finances","startTime":2320.29,"endTime":2322.93,"body":"myself it's it's it's definitely"},{"speaker":"Average Joe Finances","startTime":2322.93,"endTime":2326.65,"body":"exciting. So is there any"},{"speaker":"Average Joe Finances","startTime":2322.93,"endTime":2326.65,"body":"particular things that you're"},{"speaker":"Average Joe Finances","startTime":2326.65,"endTime":2329.35,"body":"looking at that's upcoming in"},{"speaker":"Average Joe Finances","startTime":2326.65,"endTime":2329.35,"body":"the future? Are you trying to"},{"speaker":"Average Joe Finances","startTime":2329.35,"endTime":2333.46,"body":"develop some type of software in"},{"speaker":"Average Joe Finances","startTime":2329.35,"endTime":2333.46,"body":"the future or work with some"},{"speaker":"Average Joe Finances","startTime":2333.46,"endTime":2335.71,"body":"companies to make something like"},{"speaker":"Average Joe Finances","startTime":2333.46,"endTime":2335.71,"body":"that in the future that's going"},{"speaker":"Average Joe Finances","startTime":2335.71,"endTime":2339.79,"body":"to be more of a do it yourself"},{"speaker":"Average Joe Finances","startTime":2335.71,"endTime":2339.79,"body":"to manage your own wealth?"},{"speaker":"Tristan Pelloux","startTime":2339.879,"endTime":2342.969,"body":"Yeah, so I'm"},{"speaker":"Tristan Pelloux","startTime":2339.879,"endTime":2342.969,"body":"actually so we're actually"},{"speaker":"Tristan Pelloux","startTime":2342.969,"endTime":2345.819,"body":"building something so we're"},{"speaker":"Tristan Pelloux","startTime":2342.969,"endTime":2345.819,"body":"building we're building a"},{"speaker":"Tristan Pelloux","startTime":2345.819,"endTime":2352.959,"body":"company around that with doing"},{"speaker":"Tristan Pelloux","startTime":2345.819,"endTime":2352.959,"body":"it myself with a lot of smarter"},{"speaker":"Tristan Pelloux","startTime":2352.959,"endTime":2357.879,"body":"people than me like you know,"},{"speaker":"Tristan Pelloux","startTime":2352.959,"endTime":2357.879,"body":"you saw intelligence and an"},{"speaker":"Tristan Pelloux","startTime":2357.879,"endTime":2363.729,"body":"economics just to just to build"},{"speaker":"Tristan Pelloux","startTime":2357.879,"endTime":2363.729,"body":"something quite quite solid. But"},{"speaker":"Tristan Pelloux","startTime":2364.119,"endTime":2368.289,"body":"things are just based around"},{"speaker":"Tristan Pelloux","startTime":2364.119,"endTime":2368.289,"body":"people that you know, they want"},{"speaker":"Tristan Pelloux","startTime":2368.289,"endTime":2371.169,"body":"to do it themselves you know,"},{"speaker":"Tristan Pelloux","startTime":2368.289,"endTime":2371.169,"body":"we're seeing robo advisors it's"},{"speaker":"Tristan Pelloux","startTime":2371.169,"endTime":2373.809,"body":"cold but she gives the keys and"},{"speaker":"Tristan Pelloux","startTime":2371.169,"endTime":2373.809,"body":"you're like okay, you know, do"},{"speaker":"Tristan Pelloux","startTime":2373.809,"endTime":2377.859,"body":"it for me. Yeah. And and for me,"},{"speaker":"Tristan Pelloux","startTime":2373.809,"endTime":2377.859,"body":"for instance, I'm like you're"},{"speaker":"Tristan Pelloux","startTime":2377.859,"endTime":2383.019,"body":"like like to peak and to make"},{"speaker":"Tristan Pelloux","startTime":2377.859,"endTime":2383.019,"body":"mistakes, they make good bets."},{"speaker":"Tristan Pelloux","startTime":2383.379,"endTime":2386.409,"body":"And that's that's the beauty of"},{"speaker":"Tristan Pelloux","startTime":2383.379,"endTime":2386.409,"body":"it. And I don't want to give the"},{"speaker":"Tristan Pelloux","startTime":2386.409,"endTime":2389.769,"body":"keys someone and do it for me. I"},{"speaker":"Tristan Pelloux","startTime":2386.409,"endTime":2389.769,"body":"want to date myself, but there"},{"speaker":"Tristan Pelloux","startTime":2389.769,"endTime":2393.489,"body":"are no I don't see any tools"},{"speaker":"Tristan Pelloux","startTime":2389.769,"endTime":2393.489,"body":"like especially if you want"},{"speaker":"Tristan Pelloux","startTime":2393.519,"endTime":2397.839,"body":"cross I mean, you can see like"},{"speaker":"Tristan Pelloux","startTime":2393.519,"endTime":2397.839,"body":"you connect your account you see"},{"speaker":"Tristan Pelloux","startTime":2397.839,"endTime":2400.989,"body":"like listed assets. For"},{"speaker":"Tristan Pelloux","startTime":2397.839,"endTime":2400.989,"body":"instance, you We'll see all your"},{"speaker":"Tristan Pelloux","startTime":2400.989,"endTime":2403.719,"body":"funds or whatever, what if I"},{"speaker":"Tristan Pelloux","startTime":2400.989,"endTime":2403.719,"body":"want to know as well like,"},{"speaker":"Tristan Pelloux","startTime":2403.959,"endTime":2407.949,"body":"taking into account the equity I"},{"speaker":"Tristan Pelloux","startTime":2403.959,"endTime":2407.949,"body":"have in my house, some real"},{"speaker":"Tristan Pelloux","startTime":2407.949,"endTime":2412.419,"body":"estate investments, some bits of"},{"speaker":"Tristan Pelloux","startTime":2407.949,"endTime":2412.419,"body":"metal on private startups. So"},{"speaker":"Tristan Pelloux","startTime":2412.599,"endTime":2415.809,"body":"this whole thing, so yeah,"},{"speaker":"Tristan Pelloux","startTime":2412.599,"endTime":2415.809,"body":"we're, we're still still early"},{"speaker":"Tristan Pelloux","startTime":2415.809,"endTime":2420.279,"body":"stage where a stealth mode"},{"speaker":"Tristan Pelloux","startTime":2415.809,"endTime":2420.279,"body":"startup so we're not disclosing"},{"speaker":"Tristan Pelloux","startTime":2420.279,"endTime":2422.859,"body":"so much about it because the"},{"speaker":"Tristan Pelloux","startTime":2420.279,"endTime":2422.859,"body":"technology's like quite"},{"speaker":"Tristan Pelloux","startTime":2422.859,"endTime":2425.799,"body":"innovative and we don't want"},{"speaker":"Tristan Pelloux","startTime":2422.859,"endTime":2425.799,"body":"anybody to steal it. So we're"},{"speaker":"Tristan Pelloux","startTime":2425.799,"endTime":2430.899,"body":"still at this stage where we're"},{"speaker":"Tristan Pelloux","startTime":2425.799,"endTime":2430.899,"body":"starting to get investors to"},{"speaker":"Tristan Pelloux","startTime":2430.899,"endTime":2434.889,"body":"take it to the next level. But"},{"speaker":"Tristan Pelloux","startTime":2430.899,"endTime":2434.889,"body":"ya know, it's quite exciting."},{"speaker":"Tristan Pelloux","startTime":2434.919,"endTime":2437.289,"body":"They will make a splash at some"},{"speaker":"Tristan Pelloux","startTime":2434.919,"endTime":2437.289,"body":"point."},{"speaker":"Average Joe Finances","startTime":2437.77,"endTime":2439.99,"body":"Yeah,"},{"speaker":"Average Joe Finances","startTime":2437.77,"endTime":2439.99,"body":"right. Are you going to do like,"},{"speaker":"Average Joe Finances","startTime":2440.8,"endTime":2443.71,"body":"a Kickstarter campaign? Are you"},{"speaker":"Average Joe Finances","startTime":2440.8,"endTime":2443.71,"body":"going to strictly just reach out"},{"speaker":"Average Joe Finances","startTime":2443.71,"endTime":2448.18,"body":"to some investors and see what,"},{"speaker":"Average Joe Finances","startTime":2443.71,"endTime":2448.18,"body":"uh, what you guys can come up"},{"speaker":"Average Joe Finances","startTime":2448.18,"endTime":2448.48,"body":"with?"},{"speaker":"Tristan Pelloux","startTime":2448.72,"endTime":2451.9,"body":"For now we're"},{"speaker":"Tristan Pelloux","startTime":2448.72,"endTime":2451.9,"body":"going to look for angel"},{"speaker":"Tristan Pelloux","startTime":2451.9,"endTime":2458.5,"body":"investors and VC VC funds that"},{"speaker":"Tristan Pelloux","startTime":2451.9,"endTime":2458.5,"body":"precede. But I do like, the idea"},{"speaker":"Tristan Pelloux","startTime":2458.5,"endTime":2462.67,"body":"of crowdfunding, especially when"},{"speaker":"Tristan Pelloux","startTime":2458.5,"endTime":2462.67,"body":"you buy retail, when you build a"},{"speaker":"Tristan Pelloux","startTime":2462.67,"endTime":2466.9,"body":"retail product. thing, it's a"},{"speaker":"Tristan Pelloux","startTime":2462.67,"endTime":2466.9,"body":"good way to bring your early,"},{"speaker":"Tristan Pelloux","startTime":2467.2,"endTime":2472.99,"body":"early adopters on Yeah. And that"},{"speaker":"Tristan Pelloux","startTime":2467.2,"endTime":2472.99,"body":"skin in the game, like early"},{"speaker":"Tristan Pelloux","startTime":2472.99,"endTime":2477.07,"body":"investors in some great"},{"speaker":"Tristan Pelloux","startTime":2472.99,"endTime":2477.07,"body":"startups, and they become become"},{"speaker":"Tristan Pelloux","startTime":2477.07,"endTime":2479.92,"body":"the best advocates of your"},{"speaker":"Tristan Pelloux","startTime":2477.07,"endTime":2479.92,"body":"products other Yeah, because"},{"speaker":"Tristan Pelloux","startTime":2479.92,"endTime":2483.01,"body":"they invest in this company, I"},{"speaker":"Tristan Pelloux","startTime":2479.92,"endTime":2483.01,"body":"have so much money now. So I'm"},{"speaker":"Tristan Pelloux","startTime":2483.01,"endTime":2486.22,"body":"using their product. So I do"},{"speaker":"Average Joe Finances","startTime":2486.669,"endTime":2489.039,"body":"your beta"},{"speaker":"Average Joe Finances","startTime":2486.669,"endTime":2489.039,"body":"testing group to you know, so,"},{"speaker":"Average Joe Finances","startTime":2489.549,"endTime":2494.199,"body":"yeah, hey, you know, whichever"},{"speaker":"Average Joe Finances","startTime":2489.549,"endTime":2494.199,"body":"route you go, the whole thing's"},{"speaker":"Average Joe Finances","startTime":2494.199,"endTime":2496.839,"body":"pretty exciting. Especially when"},{"speaker":"Average Joe Finances","startTime":2494.199,"endTime":2496.839,"body":"you're you're building something"},{"speaker":"Average Joe Finances","startTime":2497.559,"endTime":2502.299,"body":"that that can be so massive,"},{"speaker":"Average Joe Finances","startTime":2497.559,"endTime":2502.299,"body":"right? So I really wish you luck"},{"speaker":"Average Joe Finances","startTime":2502.299,"endTime":2505.419,"body":"with that, I really hope that"},{"speaker":"Average Joe Finances","startTime":2502.299,"endTime":2505.419,"body":"you guys build something really"},{"speaker":"Average Joe Finances","startTime":2505.419,"endTime":2509.409,"body":"awesome, that's gonna, you know,"},{"speaker":"Average Joe Finances","startTime":2505.419,"endTime":2509.409,"body":"be able to combine all the"},{"speaker":"Average Joe Finances","startTime":2509.409,"endTime":2513.099,"body":"things that we talked about"},{"speaker":"Average Joe Finances","startTime":2509.409,"endTime":2513.099,"body":"today. That'd be really fun. So"},{"speaker":"Average Joe Finances","startTime":2513.159,"endTime":2517.749,"body":"hey, so I just want to ask you a"},{"speaker":"Average Joe Finances","startTime":2513.159,"endTime":2517.749,"body":"little bit more about what you"},{"speaker":"Average Joe Finances","startTime":2517.749,"endTime":2521.679,"body":"yourself are doing right so were"},{"speaker":"Average Joe Finances","startTime":2517.749,"endTime":2521.679,"body":"you interested in like what what"},{"speaker":"Average Joe Finances","startTime":2522.039,"endTime":2526.149,"body":"other asset classes are or what"},{"speaker":"Average Joe Finances","startTime":2522.039,"endTime":2526.149,"body":"asset classes in general Do you"},{"speaker":"Average Joe Finances","startTime":2526.149,"endTime":2528.999,"body":"personally invest in yourself?"},{"speaker":"Tristan Pelloux","startTime":2529.15,"endTime":2535.15,"body":"So I'm quite"},{"speaker":"Tristan Pelloux","startTime":2529.15,"endTime":2535.15,"body":"diversified. So I've, I put my"},{"speaker":"Tristan Pelloux","startTime":2535.15,"endTime":2538.42,"body":"money where my mouth is so over"},{"speaker":"Tristan Pelloux","startTime":2535.15,"endTime":2538.42,"body":"the years, what I've done is"},{"speaker":"Tristan Pelloux","startTime":2538.42,"endTime":2541.57,"body":"that I I tried to build a"},{"speaker":"Tristan Pelloux","startTime":2538.42,"endTime":2541.57,"body":"portfolio that is quite"},{"speaker":"Tristan Pelloux","startTime":2541.57,"endTime":2547.99,"body":"balanced. And the way the way I"},{"speaker":"Tristan Pelloux","startTime":2541.57,"endTime":2547.99,"body":"look at investments I look at"},{"speaker":"Tristan Pelloux","startTime":2547.99,"endTime":2553.24,"body":"time or time horizon, so the"},{"speaker":"Tristan Pelloux","startTime":2547.99,"endTime":2553.24,"body":"things I don't need, the things"},{"speaker":"Tristan Pelloux","startTime":2553.24,"endTime":2557.8,"body":"I'm investing for 2030 years,"},{"speaker":"Tristan Pelloux","startTime":2553.24,"endTime":2557.8,"body":"it's gonna go real estate's"},{"speaker":"Tristan Pelloux","startTime":2557.8,"endTime":2561.76,"body":"equity and liabilities. This is"},{"speaker":"Tristan Pelloux","startTime":2557.8,"endTime":2561.76,"body":"for the long term and real"},{"speaker":"Tristan Pelloux","startTime":2561.76,"endTime":2565.48,"body":"estate because it's stable and"},{"speaker":"Tristan Pelloux","startTime":2561.76,"endTime":2565.48,"body":"it kind of goes up slightly a"},{"speaker":"Tristan Pelloux","startTime":2565.48,"endTime":2569.71,"body":"bit. And equity because it can"},{"speaker":"Tristan Pelloux","startTime":2565.48,"endTime":2569.71,"body":"fluctuate, so I'm like, I don't"},{"speaker":"Tristan Pelloux","startTime":2569.71,"endTime":2574.72,"body":"mind. I don't mind if it if it"},{"speaker":"Tristan Pelloux","startTime":2569.71,"endTime":2574.72,"body":"dies, and and we'll, we'll see"},{"speaker":"Tristan Pelloux","startTime":2574.72,"endTime":2579.82,"body":"how it goes. So so so I've"},{"speaker":"Tristan Pelloux","startTime":2574.72,"endTime":2579.82,"body":"invested in in real estate, I've"},{"speaker":"Tristan Pelloux","startTime":2579.82,"endTime":2584.44,"body":"invested like, like real one,"},{"speaker":"Tristan Pelloux","startTime":2579.82,"endTime":2584.44,"body":"not through like funds, but I've"},{"speaker":"Tristan Pelloux","startTime":2584.53,"endTime":2589.75,"body":"bought real estate investing to"},{"speaker":"Tristan Pelloux","startTime":2584.53,"endTime":2589.75,"body":"into equity and equity. I'm also"},{"speaker":"Tristan Pelloux","startTime":2589.93,"endTime":2593.44,"body":"tried to diversify a bit of"},{"speaker":"Tristan Pelloux","startTime":2589.93,"endTime":2593.44,"body":"Asia, a bit of us a bit of"},{"speaker":"Tristan Pelloux","startTime":2593.44,"endTime":2598.57,"body":"Europe. And I tried the way I"},{"speaker":"Tristan Pelloux","startTime":2593.44,"endTime":2598.57,"body":"look at it. So I'm looking at"},{"speaker":"Tristan Pelloux","startTime":2598.57,"endTime":2605.83,"body":"ETFs and stuff like s\u0026p 500"},{"speaker":"Tristan Pelloux","startTime":2598.57,"endTime":2605.83,"body":"footsie 100. And I'm trying to"},{"speaker":"Tristan Pelloux","startTime":2605.83,"endTime":2610.93,"body":"match the global economists and"},{"speaker":"Tristan Pelloux","startTime":2605.83,"endTime":2610.93,"body":"look at the ways they're"},{"speaker":"Tristan Pelloux","startTime":2610.93,"endTime":2614.5,"body":"growing. And I'm like, Okay, so"},{"speaker":"Tristan Pelloux","startTime":2610.93,"endTime":2614.5,"body":"I'm doing like a macro play. Am"},{"speaker":"Tristan Pelloux","startTime":2614.5,"endTime":2619.0,"body":"I gay, like the US is, is that"},{"speaker":"Tristan Pelloux","startTime":2614.5,"endTime":2619.0,"body":"big right now it's growing that"},{"speaker":"Tristan Pelloux","startTime":2619.0,"endTime":2624.46,"body":"much. So I'm putting this and"},{"speaker":"Tristan Pelloux","startTime":2619.0,"endTime":2624.46,"body":"then I look at China and that's"},{"speaker":"Tristan Pelloux","startTime":2624.46,"endTime":2629.98,"body":"how I invest in equity. And then"},{"speaker":"Tristan Pelloux","startTime":2624.46,"endTime":2629.98,"body":"I've sort of also diversified in"},{"speaker":"Tristan Pelloux","startTime":2629.98,"endTime":2633.58,"body":"other stuffs are investing a bit"},{"speaker":"Tristan Pelloux","startTime":2629.98,"endTime":2633.58,"body":"in startups through"},{"speaker":"Tristan Pelloux","startTime":2633.58,"endTime":2637.39,"body":"crowdfunding, it's a good tool"},{"speaker":"Tristan Pelloux","startTime":2633.58,"endTime":2637.39,"body":"you can invest in, you can make"},{"speaker":"Tristan Pelloux","startTime":2637.39,"endTime":2642.79,"body":"lots of bets, without having to"},{"speaker":"Tristan Pelloux","startTime":2637.39,"endTime":2642.79,"body":"go like 5000 10,000 to like a"},{"speaker":"Tristan Pelloux","startTime":2642.79,"endTime":2647.14,"body":"private company, you can you can"},{"speaker":"Tristan Pelloux","startTime":2642.79,"endTime":2647.14,"body":"say, I'll put 250 500 or"},{"speaker":"Tristan Pelloux","startTime":2647.14,"endTime":2651.13,"body":"whatever. And yeah, I have a bit"},{"speaker":"Tristan Pelloux","startTime":2647.14,"endTime":2651.13,"body":"of crypto and so I like you"},{"speaker":"Tristan Pelloux","startTime":2651.13,"endTime":2655.45,"body":"sometimes I take approach and"},{"speaker":"Tristan Pelloux","startTime":2651.13,"endTime":2655.45,"body":"seek approaches is that I last"},{"speaker":"Tristan Pelloux","startTime":2655.45,"endTime":2659.53,"body":"year, I bought some more when"},{"speaker":"Tristan Pelloux","startTime":2655.45,"endTime":2659.53,"body":"you know what, when he went to"},{"speaker":"Tristan Pelloux","startTime":2659.56,"endTime":2663.19,"body":"negative territory, or I"},{"speaker":"Tristan Pelloux","startTime":2659.56,"endTime":2663.19,"body":"actually I bought like around"},{"speaker":"Tristan Pelloux","startTime":2663.28,"endTime":2669.1,"body":"$20 and I was like it's not it"},{"speaker":"Tristan Pelloux","startTime":2663.28,"endTime":2669.1,"body":"can't I was looking at it was"},{"speaker":"Tristan Pelloux","startTime":2669.1,"endTime":2671.98,"body":"like constantly like this"},{"speaker":"Tristan Pelloux","startTime":2669.1,"endTime":2671.98,"body":"because everybody's losing"},{"speaker":"Tristan Pelloux","startTime":2671.98,"endTime":2677.14,"body":"money. I bought in and I went"},{"speaker":"Tristan Pelloux","startTime":2671.98,"endTime":2677.14,"body":"up, I made a loss. And I did the"},{"speaker":"Tristan Pelloux","startTime":2677.14,"endTime":2683.44,"body":"same the same trading since 16."},{"speaker":"Tristan Pelloux","startTime":2677.14,"endTime":2683.44,"body":"So I also like to have a bit of"},{"speaker":"Tristan Pelloux","startTime":2683.5,"endTime":2689.23,"body":"money to play around. Yeah, I"},{"speaker":"Tristan Pelloux","startTime":2683.5,"endTime":2689.23,"body":"mean, I literally try to"},{"speaker":"Tristan Pelloux","startTime":2689.23,"endTime":2696.55,"body":"diversify as much as possible."},{"speaker":"Tristan Pelloux","startTime":2689.23,"endTime":2696.55,"body":"And, and, and also, I'm careful"},{"speaker":"Tristan Pelloux","startTime":2696.55,"endTime":2701.23,"body":"about the allocation. So I will"},{"speaker":"Tristan Pelloux","startTime":2696.55,"endTime":2701.23,"body":"rebalance. If I see I'm too"},{"speaker":"Tristan Pelloux","startTime":2701.26,"endTime":2705.82,"body":"young to mature on some saying"},{"speaker":"Tristan Pelloux","startTime":2701.26,"endTime":2705.82,"body":"that it's it's evolving too"},{"speaker":"Tristan Pelloux","startTime":2705.82,"endTime":2710.59,"body":"much. And I tried to rebalance"},{"speaker":"Tristan Pelloux","startTime":2705.82,"endTime":2710.59,"body":"and diversify as my investment"},{"speaker":"Tristan Pelloux","startTime":2710.59,"endTime":2710.98,"body":"strategy."},{"speaker":"Average Joe Finances","startTime":2711.25,"endTime":2712.6,"body":"Yeah,"},{"speaker":"Average Joe Finances","startTime":2711.25,"endTime":2712.6,"body":"that's, that's great, you're"},{"speaker":"Average Joe Finances","startTime":2712.6,"endTime":2715.6,"body":"probably one of the more well"},{"speaker":"Average Joe Finances","startTime":2712.6,"endTime":2715.6,"body":"diversified people that I've"},{"speaker":"Average Joe Finances","startTime":2715.6,"endTime":2718.69,"body":"talked to on the show, when"},{"speaker":"Average Joe Finances","startTime":2715.6,"endTime":2718.69,"body":"you're talking about all the"},{"speaker":"Average Joe Finances","startTime":2718.69,"endTime":2721.54,"body":"different areas you're investing"},{"speaker":"Average Joe Finances","startTime":2718.69,"endTime":2721.54,"body":"in. That's, that's awesome. And"},{"speaker":"Average Joe Finances","startTime":2721.54,"endTime":2724.12,"body":"the fact that you stay on top of"},{"speaker":"Average Joe Finances","startTime":2721.54,"endTime":2724.12,"body":"it, that if you see you're"},{"speaker":"Average Joe Finances","startTime":2724.12,"endTime":2727.72,"body":"you're kinda, if the powers that"},{"speaker":"Average Joe Finances","startTime":2724.12,"endTime":2727.72,"body":"be are starting to have an"},{"speaker":"Average Joe Finances","startTime":2727.72,"endTime":2733.81,"body":"imbalance, you, you adjust and"},{"speaker":"Average Joe Finances","startTime":2727.72,"endTime":2733.81,"body":"you and you rebalance your"},{"speaker":"Average Joe Finances","startTime":2733.81,"endTime":2738.16,"body":"portfolio. So that's right on"},{"speaker":"Average Joe Finances","startTime":2733.81,"endTime":2738.16,"body":"your sounds like you're very"},{"speaker":"Average Joe Finances","startTime":2738.16,"endTime":2741.22,"body":"disciplined with, with where you"},{"speaker":"Average Joe Finances","startTime":2738.16,"endTime":2741.22,"body":"keep your portfolio at. So"},{"speaker":"Average Joe Finances","startTime":2741.22,"endTime":2745.66,"body":"that's, that's definitely"},{"speaker":"Average Joe Finances","startTime":2741.22,"endTime":2745.66,"body":"awesome. Alright, so a lot of"},{"speaker":"Average Joe Finances","startTime":2745.66,"endTime":2749.23,"body":"the folks that listen to my show"},{"speaker":"Average Joe Finances","startTime":2745.66,"endTime":2749.23,"body":"are, you know, they're, they're"},{"speaker":"Average Joe Finances","startTime":2749.23,"endTime":2752.71,"body":"just starting out, they, they"},{"speaker":"Average Joe Finances","startTime":2749.23,"endTime":2752.71,"body":"just got themselves out of debt,"},{"speaker":"Average Joe Finances","startTime":2752.74,"endTime":2757.18,"body":"they want to start investing, do"},{"speaker":"Average Joe Finances","startTime":2752.74,"endTime":2757.18,"body":"you have any tips or tricks that"},{"speaker":"Average Joe Finances","startTime":2757.18,"endTime":2760.3,"body":"you would recommend for somebody"},{"speaker":"Average Joe Finances","startTime":2757.18,"endTime":2760.3,"body":"who's just getting ready to get"},{"speaker":"Average Joe Finances","startTime":2760.3,"endTime":2762.49,"body":"out there and get started today?"},{"speaker":"Tristan Pelloux","startTime":2762.55,"endTime":2764.86,"body":"Yeah, I mean,"},{"speaker":"Tristan Pelloux","startTime":2762.55,"endTime":2764.86,"body":"you know, what I was saying is"},{"speaker":"Tristan Pelloux","startTime":2764.86,"endTime":2768.67,"body":"that these days, you have lots"},{"speaker":"Tristan Pelloux","startTime":2764.86,"endTime":2768.67,"body":"of cheap options to invest, I"},{"speaker":"Tristan Pelloux","startTime":2768.67,"endTime":2773.68,"body":"would look at the horizon, as an"},{"speaker":"Tristan Pelloux","startTime":2768.67,"endTime":2773.68,"body":"instance, do you need the money"},{"speaker":"Tristan Pelloux","startTime":2773.77,"endTime":2778.69,"body":"next year, next two years, five"},{"speaker":"Tristan Pelloux","startTime":2773.77,"endTime":2778.69,"body":"years, 10 years, and try to see"},{"speaker":"Tristan Pelloux","startTime":2778.69,"endTime":2782.53,"body":"like, some asset classes are"},{"speaker":"Tristan Pelloux","startTime":2778.69,"endTime":2782.53,"body":"more or less liquid. So you buy"},{"speaker":"Tristan Pelloux","startTime":2782.53,"endTime":2788.32,"body":"if you buy a house, you know, or"},{"speaker":"Tristan Pelloux","startTime":2782.53,"endTime":2788.32,"body":"you, you, you know, some assets"},{"speaker":"Tristan Pelloux","startTime":2788.32,"endTime":2791.83,"body":"are less liquid, and some are"},{"speaker":"Tristan Pelloux","startTime":2788.32,"endTime":2791.83,"body":"more, you need to take a very"},{"speaker":"Tristan Pelloux","startTime":2791.83,"endTime":2796.24,"body":"long term view. So I would look"},{"speaker":"Tristan Pelloux","startTime":2791.83,"endTime":2796.24,"body":"at the others when they need the"},{"speaker":"Tristan Pelloux","startTime":2796.51,"endTime":2798.85,"body":"I mean, it's that simple. When"},{"speaker":"Tristan Pelloux","startTime":2796.51,"endTime":2798.85,"body":"do you need the cash? Do you"},{"speaker":"Tristan Pelloux","startTime":2798.85,"endTime":2803.65,"body":"need the cash in the next year"},{"speaker":"Tristan Pelloux","startTime":2798.85,"endTime":2803.65,"body":"or not? So if you have built as"},{"speaker":"Tristan Pelloux","startTime":2803.65,"endTime":2808.03,"body":"well, you're you're kind of"},{"speaker":"Tristan Pelloux","startTime":2803.65,"endTime":2808.03,"body":"emergency fund. And then you go"},{"speaker":"Tristan Pelloux","startTime":2808.03,"endTime":2812.05,"body":"and invest if it's money that"},{"speaker":"Tristan Pelloux","startTime":2808.03,"endTime":2812.05,"body":"you don't need right now. And"},{"speaker":"Tristan Pelloux","startTime":2812.05,"endTime":2818.32,"body":"it's for retirement buy like s\u0026p"},{"speaker":"Tristan Pelloux","startTime":2812.05,"endTime":2818.32,"body":"500 ETF and stuff like this, and"},{"speaker":"Tristan Pelloux","startTime":2818.44,"endTime":2823.33,"body":"it's your, it's your play on the"},{"speaker":"Tristan Pelloux","startTime":2818.44,"endTime":2823.33,"body":"on the US economy, and it's"},{"speaker":"Tristan Pelloux","startTime":2823.33,"endTime":2827.53,"body":"gonna fluctuate a bit, but it's,"},{"speaker":"Tristan Pelloux","startTime":2823.33,"endTime":2827.53,"body":"it's a good long term bet. So I"},{"speaker":"Tristan Pelloux","startTime":2827.53,"endTime":2831.94,"body":"would start like this first, and"},{"speaker":"Tristan Pelloux","startTime":2827.53,"endTime":2831.94,"body":"then and then slowly start, you"},{"speaker":"Tristan Pelloux","startTime":2831.94,"endTime":2835.15,"body":"start building up and"},{"speaker":"Tristan Pelloux","startTime":2831.94,"endTime":2835.15,"body":"diversifying to, to have"},{"speaker":"Tristan Pelloux","startTime":2835.15,"endTime":2839.35,"body":"exposure to other stuff, like"},{"speaker":"Tristan Pelloux","startTime":2835.15,"endTime":2839.35,"body":"emerging countries. And so and"},{"speaker":"Tristan Pelloux","startTime":2839.35,"endTime":2844.72,"body":"then you can start by like a bit"},{"speaker":"Tristan Pelloux","startTime":2839.35,"endTime":2844.72,"body":"of real estate like through you"},{"speaker":"Tristan Pelloux","startTime":2844.72,"endTime":2850.39,"body":"can also do it through real"},{"speaker":"Tristan Pelloux","startTime":2844.72,"endTime":2850.39,"body":"estate trusts. And you can"},{"speaker":"Tristan Pelloux","startTime":2850.39,"endTime":2854.5,"body":"invest in the thing is, for"},{"speaker":"Tristan Pelloux","startTime":2850.39,"endTime":2854.5,"body":"instance, crowdfunding should be"},{"speaker":"Tristan Pelloux","startTime":2854.5,"endTime":2858.73,"body":"like around 5% of your portfolio"},{"speaker":"Tristan Pelloux","startTime":2854.5,"endTime":2858.73,"body":"with venture capital, right? So"},{"speaker":"Tristan Pelloux","startTime":2858.91,"endTime":2862.0,"body":"at that point, when when you"},{"speaker":"Tristan Pelloux","startTime":2858.91,"endTime":2862.0,"body":"your portfolio is big enough,"},{"speaker":"Tristan Pelloux","startTime":2862.0,"endTime":2866.53,"body":"she can start diversifying in"},{"speaker":"Tristan Pelloux","startTime":2862.0,"endTime":2866.53,"body":"noiser asset classes, a bit of"},{"speaker":"Tristan Pelloux","startTime":2866.53,"endTime":2869.83,"body":"crypto here and there if you"},{"speaker":"Tristan Pelloux","startTime":2866.53,"endTime":2869.83,"body":"want, like, despise your"},{"speaker":"Tristan Pelloux","startTime":2869.89,"endTime":2874.99,"body":"portfolio. But But yes, the"},{"speaker":"Tristan Pelloux","startTime":2869.89,"endTime":2874.99,"body":"basics for me are, for the long"},{"speaker":"Tristan Pelloux","startTime":2874.99,"endTime":2878.65,"body":"term, the basic is equity. And"},{"speaker":"Tristan Pelloux","startTime":2874.99,"endTime":2878.65,"body":"it can take different forms, but"},{"speaker":"Tristan Pelloux","startTime":2878.74,"endTime":2883.66,"body":"I would say like going to like"},{"speaker":"Tristan Pelloux","startTime":2878.74,"endTime":2883.66,"body":"funds or ETFs, because if you're"},{"speaker":"Tristan Pelloux","startTime":2883.66,"endTime":2886.9,"body":"just getting started doing like"},{"speaker":"Tristan Pelloux","startTime":2883.66,"endTime":2886.9,"body":"a bit of stock picking, like the"},{"speaker":"Tristan Pelloux","startTime":2886.9,"endTime":2891.34,"body":"risk are a bit higher ish, you"},{"speaker":"Tristan Pelloux","startTime":2886.9,"endTime":2891.34,"body":"just want to build a portfolio"},{"speaker":"Tristan Pelloux","startTime":2891.34,"endTime":2896.26,"body":"of like stocks, I will you know,"},{"speaker":"Tristan Pelloux","startTime":2891.34,"endTime":2896.26,"body":"that's why SMP 500 is great. 500"},{"speaker":"Tristan Pelloux","startTime":2896.26,"endTime":2899.08,"body":"companies are building"},{"speaker":"Tristan Pelloux","startTime":2896.26,"endTime":2899.08,"body":"everything well, obviously take"},{"speaker":"Tristan Pelloux","startTime":2899.08,"endTime":2906.58,"body":"our strong Wait, but it's a good"},{"speaker":"Tristan Pelloux","startTime":2899.08,"endTime":2906.58,"body":"diversification education play"},{"speaker":"Tristan Pelloux","startTime":2906.79,"endTime":2911.41,"body":"at first is that you put $100 in"},{"speaker":"Tristan Pelloux","startTime":2906.79,"endTime":2911.41,"body":"in s\u0026p 500, you diversify that"},{"speaker":"Tristan Pelloux","startTime":2911.41,"endTime":2911.65,"body":"risk."},{"speaker":"Average Joe Finances","startTime":2912.1,"endTime":2913.63,"body":"Right on."},{"speaker":"Average Joe Finances","startTime":2912.1,"endTime":2913.63,"body":"Yeah, that's, that's all"},{"speaker":"Average Joe Finances","startTime":2913.63,"endTime":2918.16,"body":"fantastic advice. Really"},{"speaker":"Average Joe Finances","startTime":2913.63,"endTime":2918.16,"body":"awesome. And, you know, this,"},{"speaker":"Average Joe Finances","startTime":2918.16,"endTime":2921.76,"body":"this has been a fun"},{"speaker":"Average Joe Finances","startTime":2918.16,"endTime":2921.76,"body":"conversation, because I learned"},{"speaker":"Average Joe Finances","startTime":2921.76,"endTime":2926.62,"body":"a little bit more, I guess,"},{"speaker":"Average Joe Finances","startTime":2921.76,"endTime":2926.62,"body":"it's, it's okay to, to be wary"},{"speaker":"Average Joe Finances","startTime":2926.68,"endTime":2930.25,"body":"of cryptocurrencies and things"},{"speaker":"Average Joe Finances","startTime":2926.68,"endTime":2930.25,"body":"that you don't know too much"},{"speaker":"Average Joe Finances","startTime":2930.25,"endTime":2936.7,"body":"about. But at the same time, you"},{"speaker":"Average Joe Finances","startTime":2930.25,"endTime":2936.7,"body":"know, not be 100% afraid of"},{"speaker":"Average Joe Finances","startTime":2936.73,"endTime":2940.24,"body":"getting involved in it, right,"},{"speaker":"Average Joe Finances","startTime":2936.73,"endTime":2940.24,"body":"because, you know, like, like we"},{"speaker":"Average Joe Finances","startTime":2940.24,"endTime":2943.84,"body":"were talking about earlier,"},{"speaker":"Average Joe Finances","startTime":2940.24,"endTime":2943.84,"body":"every, every investment carries"},{"speaker":"Average Joe Finances","startTime":2943.84,"endTime":2948.16,"body":"with it some type of risk,"},{"speaker":"Average Joe Finances","startTime":2943.84,"endTime":2948.16,"body":"right. But if you don't take any"},{"speaker":"Average Joe Finances","startTime":2948.16,"endTime":2953.86,"body":"risk at all, then you don't reap"},{"speaker":"Average Joe Finances","startTime":2948.16,"endTime":2953.86,"body":"any rewards. So I'm not telling"},{"speaker":"Average Joe Finances","startTime":2953.86,"endTime":2957.04,"body":"everybody go out and go buy a"},{"speaker":"Average Joe Finances","startTime":2953.86,"endTime":2957.04,"body":"bunch of cryptocurrencies or"},{"speaker":"Average Joe Finances","startTime":2957.04,"endTime":2960.4,"body":"anything like that, you know,"},{"speaker":"Average Joe Finances","startTime":2957.04,"endTime":2960.4,"body":"just do your research and make"},{"speaker":"Average Joe Finances","startTime":2960.4,"endTime":2962.59,"body":"sure that it's something that"},{"speaker":"Average Joe Finances","startTime":2960.4,"endTime":2962.59,"body":"it's, it's something that you"},{"speaker":"Average Joe Finances","startTime":2962.59,"endTime":2967.18,"body":"want to add to your portfolio. I"},{"speaker":"Average Joe Finances","startTime":2962.59,"endTime":2967.18,"body":"think one of the things that"},{"speaker":"Average Joe Finances","startTime":2967.18,"endTime":2971.86,"body":"Tristan really pointed out a lot"},{"speaker":"Average Joe Finances","startTime":2967.18,"endTime":2971.86,"body":"is the diversification of where"},{"speaker":"Average Joe Finances","startTime":2971.86,"endTime":2975.46,"body":"you're, you know, allocating"},{"speaker":"Average Joe Finances","startTime":2971.86,"endTime":2975.46,"body":"your assets, right? It's"},{"speaker":"Average Joe Finances","startTime":2975.46,"endTime":2980.65,"body":"important to have such a strong"},{"speaker":"Average Joe Finances","startTime":2975.46,"endTime":2980.65,"body":"diversification. And, you know,"},{"speaker":"Average Joe Finances","startTime":2980.83,"endTime":2984.94,"body":"just I was very surprised at the"},{"speaker":"Average Joe Finances","startTime":2980.83,"endTime":2984.94,"body":"fact that you also invest in"},{"speaker":"Average Joe Finances","startTime":2984.94,"endTime":2987.34,"body":"real estate because when I"},{"speaker":"Average Joe Finances","startTime":2984.94,"endTime":2987.34,"body":"looked at your background and"},{"speaker":"Average Joe Finances","startTime":2987.34,"endTime":2990.01,"body":"looked at what we were going to"},{"speaker":"Average Joe Finances","startTime":2987.34,"endTime":2990.01,"body":"talk about today, I was like,"},{"speaker":"Average Joe Finances","startTime":2990.01,"endTime":2993.34,"body":"Alright, man, he's gonna come on"},{"speaker":"Average Joe Finances","startTime":2990.01,"endTime":2993.34,"body":"here and be like, I'm 80% crypto"},{"speaker":"Average Joe Finances","startTime":2993.34,"endTime":2997.9,"body":"or 100% in crypto. So I'm really"},{"speaker":"Average Joe Finances","startTime":2993.34,"endTime":2997.9,"body":"excited to know that you're"},{"speaker":"Average Joe Finances","startTime":2997.9,"endTime":3003.96,"body":"you're so well diversified. Not"},{"speaker":"Average Joe Finances","startTime":2997.9,"endTime":3003.96,"body":"only in, in, in like specific,"},{"speaker":"Average Joe Finances","startTime":3004.11,"endTime":3006.54,"body":"you know, asset classes, right,"},{"speaker":"Average Joe Finances","startTime":3004.11,"endTime":3006.54,"body":"you're, you're in all of them,"},{"speaker":"Average Joe Finances","startTime":3006.54,"endTime":3010.26,"body":"you've got real estate, you've"},{"speaker":"Average Joe Finances","startTime":3006.54,"endTime":3010.26,"body":"got paper assets, but you're"},{"speaker":"Average Joe Finances","startTime":3010.26,"endTime":3013.59,"body":"also looking at the different"},{"speaker":"Average Joe Finances","startTime":3010.26,"endTime":3013.59,"body":"economies of different"},{"speaker":"Average Joe Finances","startTime":3013.59,"endTime":3016.74,"body":"countries, when you when you"},{"speaker":"Average Joe Finances","startTime":3013.59,"endTime":3016.74,"body":"take into consideration what"},{"speaker":"Average Joe Finances","startTime":3016.74,"endTime":3019.62,"body":"you're going to get yourself"},{"speaker":"Average Joe Finances","startTime":3016.74,"endTime":3019.62,"body":"involved in. And that's really"},{"speaker":"Average Joe Finances","startTime":3019.62,"endTime":3024.36,"body":"exciting. I don't really invest"},{"speaker":"Average Joe Finances","startTime":3019.62,"endTime":3024.36,"body":"outside of the United States. So"},{"speaker":"Average Joe Finances","startTime":3024.36,"endTime":3027.6,"body":"it's kind of, you know, looking"},{"speaker":"Average Joe Finances","startTime":3024.36,"endTime":3027.6,"body":"at it from that point of view"},{"speaker":"Average Joe Finances","startTime":3027.6,"endTime":3030.93,"body":"is, was kind of eye opening for"},{"speaker":"Average Joe Finances","startTime":3027.6,"endTime":3030.93,"body":"me, you know, you're definitely"},{"speaker":"Average Joe Finances","startTime":3030.93,"endTime":3034.92,"body":"taking a more holistic approach."},{"speaker":"Average Joe Finances","startTime":3030.93,"endTime":3034.92,"body":"And like you said, at a much"},{"speaker":"Average Joe Finances","startTime":3034.92,"endTime":3036.51,"body":"higher level, right, you're,"},{"speaker":"Average Joe Finances","startTime":3034.92,"endTime":3036.51,"body":"you're sitting here at the"},{"speaker":"Average Joe Finances","startTime":3036.51,"endTime":3040.8,"body":"100,000 foot level, looking down"},{"speaker":"Average Joe Finances","startTime":3036.51,"endTime":3040.8,"body":"at Earth, and saying, okay, us"},{"speaker":"Average Joe Finances","startTime":3040.8,"endTime":3043.29,"body":"is doing this right here. It's"},{"speaker":"Average Joe Finances","startTime":3040.8,"endTime":3043.29,"body":"going up, China's doing this."},{"speaker":"Average Joe Finances","startTime":3043.29,"endTime":3045.75,"body":"Okay, I'm gonna get a little"},{"speaker":"Average Joe Finances","startTime":3043.29,"endTime":3045.75,"body":"here a little there. I mean,"},{"speaker":"Average Joe Finances","startTime":3045.75,"endTime":3048.3,"body":"that's, that's some true"},{"speaker":"Average Joe Finances","startTime":3045.75,"endTime":3048.3,"body":"diversification right there,"},{"speaker":"Average Joe Finances","startTime":3048.3,"endTime":3049.11,"body":"man. That's awesome."},{"speaker":"Tristan Pelloux","startTime":3049.26,"endTime":3051.3,"body":"Yeah. And I"},{"speaker":"Tristan Pelloux","startTime":3049.26,"endTime":3051.3,"body":"mean, to be honest, also is that"},{"speaker":"Tristan Pelloux","startTime":3051.3,"endTime":3056.49,"body":"you don't need millions as well"},{"speaker":"Tristan Pelloux","startTime":3051.3,"endTime":3056.49,"body":"to diversify that. So for"},{"speaker":"Tristan Pelloux","startTime":3056.49,"endTime":3061.35,"body":"instance, I mean, when I say, so"},{"speaker":"Tristan Pelloux","startTime":3056.49,"endTime":3061.35,"body":"I bought real estate, in, in"},{"speaker":"Tristan Pelloux","startTime":3061.35,"endTime":3064.71,"body":"Moscow in South of France,"},{"speaker":"Tristan Pelloux","startTime":3061.35,"endTime":3064.71,"body":"because I was living in London,"},{"speaker":"Tristan Pelloux","startTime":3065.19,"endTime":3068.73,"body":"is quite expensive city. And I"},{"speaker":"Tristan Pelloux","startTime":3065.19,"endTime":3068.73,"body":"was like, Well, okay, you know,"},{"speaker":"Tristan Pelloux","startTime":3068.73,"endTime":3072.36,"body":"what, the market is bit too"},{"speaker":"Tristan Pelloux","startTime":3068.73,"endTime":3072.36,"body":"expensive here. But I want to"},{"speaker":"Tristan Pelloux","startTime":3072.36,"endTime":3076.8,"body":"buy real estate to diversified."},{"speaker":"Tristan Pelloux","startTime":3072.36,"endTime":3076.8,"body":"So I bought in marsay, like, you"},{"speaker":"Tristan Pelloux","startTime":3076.8,"endTime":3079.71,"body":"know, a fraction of what I would"},{"speaker":"Tristan Pelloux","startTime":3076.8,"endTime":3079.71,"body":"have bought it in London,"},{"speaker":"Tristan Pelloux","startTime":3079.83,"endTime":3083.97,"body":"diversifying doesn't mean you"},{"speaker":"Tristan Pelloux","startTime":3079.83,"endTime":3083.97,"body":"need, you need a lot of money"},{"speaker":"Tristan Pelloux","startTime":3083.97,"endTime":3089.79,"body":"to, to have money everywhere,"},{"speaker":"Tristan Pelloux","startTime":3083.97,"endTime":3089.79,"body":"it's actually these days, it's"},{"speaker":"Tristan Pelloux","startTime":3089.79,"endTime":3096.09,"body":"quite cheap to to, to have money"},{"speaker":"Tristan Pelloux","startTime":3089.79,"endTime":3096.09,"body":"a bit everywhere. So yeah,"},{"speaker":"Tristan Pelloux","startTime":3096.09,"endTime":3099.75,"body":"buying real estate, maybe it's"},{"speaker":"Tristan Pelloux","startTime":3096.09,"endTime":3099.75,"body":"not exactly where you are, you"},{"speaker":"Tristan Pelloux","startTime":3099.75,"endTime":3105.42,"body":"find a city, those mid size a"},{"speaker":"Tristan Pelloux","startTime":3099.75,"endTime":3105.42,"body":"bit cheaper, and you buy there,"},{"speaker":"Tristan Pelloux","startTime":3105.78,"endTime":3109.56,"body":"and this is how we start"},{"speaker":"Tristan Pelloux","startTime":3105.78,"endTime":3109.56,"body":"investing. So there are various"},{"speaker":"Tristan Pelloux","startTime":3109.56,"endTime":3116.7,"body":"ways to various ways to do that."},{"speaker":"Tristan Pelloux","startTime":3109.56,"endTime":3116.7,"body":"And, yeah, and I think a lot of"},{"speaker":"Tristan Pelloux","startTime":3116.7,"endTime":3120.84,"body":"people seeing you need a lot of"},{"speaker":"Tristan Pelloux","startTime":3116.7,"endTime":3120.84,"body":"money to, to plan your wealth"},{"speaker":"Tristan Pelloux","startTime":3120.84,"endTime":3123.93,"body":"and to invest in stuff. And I"},{"speaker":"Tristan Pelloux","startTime":3120.84,"endTime":3123.93,"body":"think that's, that's just not"},{"speaker":"Tristan Pelloux","startTime":3123.93,"endTime":3124.23,"body":"true."},{"speaker":"Average Joe Finances","startTime":3124.65,"endTime":3125.91,"body":"Not at"},{"speaker":"Average Joe Finances","startTime":3124.65,"endTime":3125.91,"body":"all, you can get started with"},{"speaker":"Average Joe Finances","startTime":3125.94,"endTime":3130.44,"body":"$100. Right? You know, you know,"},{"speaker":"Average Joe Finances","startTime":3125.94,"endTime":3130.44,"body":"what's exciting is, I bring a"},{"speaker":"Average Joe Finances","startTime":3130.44,"endTime":3133.92,"body":"lot of people on the show, that"},{"speaker":"Average Joe Finances","startTime":3130.44,"endTime":3133.92,"body":"are real estate investors. And,"},{"speaker":"Average Joe Finances","startTime":3134.67,"endTime":3137.73,"body":"you know, it's a very common"},{"speaker":"Average Joe Finances","startTime":3134.67,"endTime":3137.73,"body":"thing that people invest out of"},{"speaker":"Average Joe Finances","startTime":3137.73,"endTime":3140.46,"body":"state, like, you know, so I live"},{"speaker":"Average Joe Finances","startTime":3137.73,"endTime":3140.46,"body":"in Hawaii. So it's really"},{"speaker":"Average Joe Finances","startTime":3140.46,"endTime":3146.04,"body":"expensive to buy more property"},{"speaker":"Average Joe Finances","startTime":3140.46,"endTime":3146.04,"body":"out here in Hawaii. So I like"},{"speaker":"Average Joe Finances","startTime":3146.04,"endTime":3148.8,"body":"many others that live here in"},{"speaker":"Average Joe Finances","startTime":3146.04,"endTime":3148.8,"body":"Hawaii, we invest out of state,"},{"speaker":"Average Joe Finances","startTime":3148.8,"endTime":3153.75,"body":"right, but, you know, you're not"},{"speaker":"Average Joe Finances","startTime":3148.8,"endTime":3153.75,"body":"only invest with where you're at"},{"speaker":"Average Joe Finances","startTime":3153.75,"endTime":3156.78,"body":"right now you're investing out"},{"speaker":"Average Joe Finances","startTime":3153.75,"endTime":3156.78,"body":"of country, right? Which is,"},{"speaker":"Average Joe Finances","startTime":3156.78,"endTime":3159.42,"body":"which is really awesome. And"},{"speaker":"Average Joe Finances","startTime":3156.78,"endTime":3159.42,"body":"you're not afraid to get"},{"speaker":"Average Joe Finances","startTime":3159.42,"endTime":3163.2,"body":"yourself out there. And I mean,"},{"speaker":"Average Joe Finances","startTime":3159.42,"endTime":3163.2,"body":"this, this has just been really"},{"speaker":"Average Joe Finances","startTime":3163.2,"endTime":3168.45,"body":"cool, man, I think, you know,"},{"speaker":"Average Joe Finances","startTime":3163.2,"endTime":3168.45,"body":"when we talk about FinTech and"},{"speaker":"Average Joe Finances","startTime":3168.45,"endTime":3172.05,"body":"just you know, where finance is"},{"speaker":"Average Joe Finances","startTime":3168.45,"endTime":3172.05,"body":"head is heading to in the"},{"speaker":"Average Joe Finances","startTime":3172.05,"endTime":3175.26,"body":"future. It's just very exciting."},{"speaker":"Average Joe Finances","startTime":3172.05,"endTime":3175.26,"body":"Like there's a very bright"},{"speaker":"Average Joe Finances","startTime":3175.26,"endTime":3179.1,"body":"future, for the different things"},{"speaker":"Average Joe Finances","startTime":3175.26,"endTime":3179.1,"body":"that are coming out right now"},{"speaker":"Average Joe Finances","startTime":3179.1,"endTime":3183.42,"body":"that, you know, that we as"},{"speaker":"Average Joe Finances","startTime":3179.1,"endTime":3183.42,"body":"investors, and just individuals"},{"speaker":"Average Joe Finances","startTime":3183.42,"endTime":3186.93,"body":"that want to retire in the"},{"speaker":"Average Joe Finances","startTime":3183.42,"endTime":3186.93,"body":"future need to be mindful of"},{"speaker":"Average Joe Finances","startTime":3186.93,"endTime":3189.9,"body":"right. You know, that whole"},{"speaker":"Average Joe Finances","startTime":3186.93,"endTime":3189.9,"body":"thing that you were talking"},{"speaker":"Average Joe Finances","startTime":3189.9,"endTime":3192.36,"body":"about that technology, but the"},{"speaker":"Average Joe Finances","startTime":3189.9,"endTime":3192.36,"body":"point of sale technology is"},{"speaker":"Average Joe Finances","startTime":3192.36,"endTime":3197.4,"body":"really awesome. I don't really I"},{"speaker":"Average Joe Finances","startTime":3192.36,"endTime":3197.4,"body":"don't think we even have that"},{"speaker":"Average Joe Finances","startTime":3197.73,"endTime":3202.89,"body":"live anywhere in the United"},{"speaker":"Average Joe Finances","startTime":3197.73,"endTime":3202.89,"body":"States yet. So I'll keep an eye"},{"speaker":"Average Joe Finances","startTime":3202.89,"endTime":3207.21,"body":"out for for when, you know,"},{"speaker":"Average Joe Finances","startTime":3202.89,"endTime":3207.21,"body":"there's their their stores or,"},{"speaker":"Average Joe Finances","startTime":3207.48,"endTime":3210.21,"body":"or companies that will allow for"},{"speaker":"Average Joe Finances","startTime":3207.48,"endTime":3210.21,"body":"transactions like that maybe you"},{"speaker":"Average Joe Finances","startTime":3210.21,"endTime":3213.03,"body":"can do it online, if you're"},{"speaker":"Average Joe Finances","startTime":3210.21,"endTime":3213.03,"body":"buying in another country, but I"},{"speaker":"Average Joe Finances","startTime":3213.03,"endTime":3216.18,"body":"don't think there's any us"},{"speaker":"Average Joe Finances","startTime":3213.03,"endTime":3216.18,"body":"vendors doing that right now. So"},{"speaker":"Average Joe Finances","startTime":3216.21,"endTime":3218.67,"body":"that's pretty exciting. Just"},{"speaker":"Average Joe Finances","startTime":3216.21,"endTime":3218.67,"body":"things that are, you know, to"},{"speaker":"Average Joe Finances","startTime":3218.67,"endTime":3219.9,"body":"come in the future."},{"speaker":"Tristan Pelloux","startTime":3220.32,"endTime":3222.84,"body":"Yeah, I mean,"},{"speaker":"Tristan Pelloux","startTime":3220.32,"endTime":3222.84,"body":"obviously, I'm a student, as"},{"speaker":"Tristan Pelloux","startTime":3222.84,"endTime":3226.44,"body":"you, you will have noticed and"},{"speaker":"Tristan Pelloux","startTime":3222.84,"endTime":3226.44,"body":"excited but everything is coming"},{"speaker":"Tristan Pelloux","startTime":3226.44,"endTime":3230.19,"body":"up, I think, last 10 years. It's"},{"speaker":"Tristan Pelloux","startTime":3226.44,"endTime":3230.19,"body":"been, it's been amazing. But"},{"speaker":"Tristan Pelloux","startTime":3230.28,"endTime":3232.32,"body":"there's a lot more to do."},{"speaker":"Average Joe Finances","startTime":3233.29,"endTime":3235.06,"body":"The next"},{"speaker":"Average Joe Finances","startTime":3233.29,"endTime":3235.06,"body":"10 years will be even better,"},{"speaker":"Tristan Pelloux","startTime":3235.39,"endTime":3238.93,"body":"yeah, and"},{"speaker":"Tristan Pelloux","startTime":3235.39,"endTime":3238.93,"body":"there's no way to stop it. And"},{"speaker":"Tristan Pelloux","startTime":3238.96,"endTime":3242.71,"body":"it will be interesting to see"},{"speaker":"Tristan Pelloux","startTime":3238.96,"endTime":3242.71,"body":"also the overall dynamics in"},{"speaker":"Tristan Pelloux","startTime":3242.71,"endTime":3246.49,"body":"terms of companies that stay"},{"speaker":"Tristan Pelloux","startTime":3242.71,"endTime":3246.49,"body":"around because the money is"},{"speaker":"Tristan Pelloux","startTime":3246.49,"endTime":3250.87,"body":"going into startups, and not all"},{"speaker":"Tristan Pelloux","startTime":3246.49,"endTime":3250.87,"body":"of them are going to survive."},{"speaker":"Tristan Pelloux","startTime":3251.5,"endTime":3256.51,"body":"Whatever the big banks are the"},{"speaker":"Tristan Pelloux","startTime":3251.5,"endTime":3256.51,"body":"organism Why? I don't know. But"},{"speaker":"Tristan Pelloux","startTime":3256.51,"endTime":3259.75,"body":"so it's going to be an"},{"speaker":"Tristan Pelloux","startTime":3256.51,"endTime":3259.75,"body":"interesting, an interesting"},{"speaker":"Tristan Pelloux","startTime":3259.75,"endTime":3264.73,"body":"dynamic in terms of the actual"},{"speaker":"Tristan Pelloux","startTime":3259.75,"endTime":3264.73,"body":"businesses that win because you"},{"speaker":"Tristan Pelloux","startTime":3264.73,"endTime":3268.63,"body":"can't have so many. If you look"},{"speaker":"Tristan Pelloux","startTime":3264.73,"endTime":3268.63,"body":"at business ready, you can have"},{"speaker":"Tristan Pelloux","startTime":3268.63,"endTime":3273.76,"body":"so many companies after the same"},{"speaker":"Tristan Pelloux","startTime":3268.63,"endTime":3273.76,"body":"market, over the long run only a"},{"speaker":"Tristan Pelloux","startTime":3273.76,"endTime":3279.1,"body":"few a few survive. And then"},{"speaker":"Tristan Pelloux","startTime":3273.76,"endTime":3279.1,"body":"smaller players are busy but you"},{"speaker":"Tristan Pelloux","startTime":3279.1,"endTime":3283.06,"body":"can't have like, you know, on"},{"speaker":"Tristan Pelloux","startTime":3279.1,"endTime":3283.06,"body":"the massive, massive companies"},{"speaker":"Tristan Pelloux","startTime":3283.06,"endTime":3287.05,"body":"that go after just the same pie."},{"speaker":"Tristan Pelloux","startTime":3283.06,"endTime":3287.05,"body":"If you look at Google, Amazon,"},{"speaker":"Tristan Pelloux","startTime":3287.08,"endTime":3291.7,"body":"like they're good examples of"},{"speaker":"Tristan Pelloux","startTime":3287.08,"endTime":3291.7,"body":"the go after market doubles as"},{"speaker":"Tristan Pelloux","startTime":3291.7,"endTime":3295.27,"body":"your competitors, then"},{"speaker":"Tristan Pelloux","startTime":3291.7,"endTime":3295.27,"body":"ultimately only you know"},{"speaker":"Tristan Pelloux","startTime":3295.27,"endTime":3299.35,"body":"Highlander, only one one wins"},{"speaker":"Tristan Pelloux","startTime":3295.27,"endTime":3299.35,"body":"and the one survives."},{"speaker":"Average Joe Finances","startTime":3299.56,"endTime":3302.11,"body":"I like"},{"speaker":"Average Joe Finances","startTime":3299.56,"endTime":3302.11,"body":"Like the reference as long as"},{"speaker":"Average Joe Finances","startTime":3302.11,"endTime":3305.26,"body":"like Jeff Bezos and Elon Musk"},{"speaker":"Average Joe Finances","startTime":3302.11,"endTime":3305.26,"body":"and all that don't try to like"},{"speaker":"Average Joe Finances","startTime":3305.26,"endTime":3308.44,"body":"behead each other I think I"},{"speaker":"Average Joe Finances","startTime":3305.26,"endTime":3308.44,"body":"think we'll be okay. Awesome."},{"speaker":"Average Joe Finances","startTime":3308.44,"endTime":3313.54,"body":"And hey, this this was a"},{"speaker":"Average Joe Finances","startTime":3308.44,"endTime":3313.54,"body":"exciting conversation again, I"},{"speaker":"Average Joe Finances","startTime":3313.54,"endTime":3318.01,"body":"learned a lot. I took a lot of"},{"speaker":"Average Joe Finances","startTime":3313.54,"endTime":3318.01,"body":"notes down. I really appreciate"},{"speaker":"Average Joe Finances","startTime":3318.01,"endTime":3321.16,"body":"you taking some time to talk to"},{"speaker":"Average Joe Finances","startTime":3318.01,"endTime":3321.16,"body":"me. I know it's, it's about nine"},{"speaker":"Average Joe Finances","startTime":3321.16,"endTime":3323.77,"body":"o'clock in the morning there"},{"speaker":"Average Joe Finances","startTime":3321.16,"endTime":3323.77,"body":"it's nine o'clock at night here."},{"speaker":"Average Joe Finances","startTime":3323.77,"endTime":3326.86,"body":"So as I'm getting ready to wind"},{"speaker":"Average Joe Finances","startTime":3323.77,"endTime":3326.86,"body":"down and end my day, you're,"},{"speaker":"Average Joe Finances","startTime":3327.07,"endTime":3331.3,"body":"you're just getting started. But"},{"speaker":"Average Joe Finances","startTime":3327.07,"endTime":3331.3,"body":"I definitely appreciate you you"},{"speaker":"Average Joe Finances","startTime":3331.3,"endTime":3333.28,"body":"know, taking this time to talk"},{"speaker":"Average Joe Finances","startTime":3331.3,"endTime":3333.28,"body":"with me today, Tristan."},{"speaker":"Tristan Pelloux","startTime":3333.49,"endTime":3335.68,"body":"Yes, thanks for"},{"speaker":"Tristan Pelloux","startTime":3333.49,"endTime":3335.68,"body":"having me. Mike. Was was a"},{"speaker":"Tristan Pelloux","startTime":3335.68,"endTime":3337.99,"body":"great, great chat. And I forgot"},{"speaker":"Average Joe Finances","startTime":3337.99,"endTime":3340.18,"body":"there's"},{"speaker":"Average Joe Finances","startTime":3337.99,"endTime":3340.18,"body":"there's one more thing because I"},{"speaker":"Average Joe Finances","startTime":3340.18,"endTime":3342.28,"body":"can't sign off without this."},{"speaker":"Average Joe Finances","startTime":3340.18,"endTime":3342.28,"body":"This The most important thing I"},{"speaker":"Average Joe Finances","startTime":3342.28,"endTime":3344.95,"body":"gotta ask you, right? Because"},{"speaker":"Average Joe Finances","startTime":3342.28,"endTime":3344.95,"body":"with all the stuff that we"},{"speaker":"Average Joe Finances","startTime":3344.95,"endTime":3347.14,"body":"talked about today, I'm sure"},{"speaker":"Average Joe Finances","startTime":3344.95,"endTime":3347.14,"body":"there's gonna be a lot of"},{"speaker":"Average Joe Finances","startTime":3347.14,"endTime":3349.6,"body":"people, my audience that are"},{"speaker":"Average Joe Finances","startTime":3347.14,"endTime":3349.6,"body":"going to be very interested in"},{"speaker":"Average Joe Finances","startTime":3349.6,"endTime":3352.3,"body":"what it is that you're doing,"},{"speaker":"Average Joe Finances","startTime":3349.6,"endTime":3352.3,"body":"especially when we talked about"},{"speaker":"Average Joe Finances","startTime":3352.84,"endTime":3357.88,"body":"the FinTech review, right? So"},{"speaker":"Average Joe Finances","startTime":3352.84,"endTime":3357.88,"body":"where can people find out more"},{"speaker":"Average Joe Finances","startTime":3357.88,"endTime":3360.67,"body":"about that? You know, some more"},{"speaker":"Average Joe Finances","startTime":3357.88,"endTime":3360.67,"body":"information on you. Do you have"},{"speaker":"Average Joe Finances","startTime":3361.15,"endTime":3363.73,"body":"a website you could share with"},{"speaker":"Average Joe Finances","startTime":3361.15,"endTime":3363.73,"body":"us in social media? We"},{"speaker":"Average Joe Finances","startTime":3363.73,"endTime":3365.83,"body":"definitely can't leave without"},{"speaker":"Average Joe Finances","startTime":3363.73,"endTime":3365.83,"body":"getting this information."},{"speaker":"Tristan Pelloux","startTime":3366.07,"endTime":3368.65,"body":"Yeah, sure. So"},{"speaker":"Tristan Pelloux","startTime":3366.07,"endTime":3368.65,"body":"I mean, to be honest, I'm, I'm"},{"speaker":"Tristan Pelloux","startTime":3368.65,"endTime":3374.5,"body":"on all over. I'm all over so you"},{"speaker":"Tristan Pelloux","startTime":3368.65,"endTime":3374.5,"body":"can find me on Twitter, FinTech."},{"speaker":"Tristan Pelloux","startTime":3374.8,"endTime":3378.22,"body":"And just for review, you can"},{"speaker":"Tristan Pelloux","startTime":3374.8,"endTime":3378.22,"body":"find me on Instagram FinTech"},{"speaker":"Tristan Pelloux","startTime":3378.22,"endTime":3385.3,"body":"review, and find me on Facebook"},{"speaker":"Tristan Pelloux","startTime":3378.22,"endTime":3385.3,"body":"FinTech region. net. You can"},{"speaker":"Tristan Pelloux","startTime":3385.3,"endTime":3390.04,"body":"find me on LinkedIn. You can"},{"speaker":"Tristan Pelloux","startTime":3385.3,"endTime":3390.04,"body":"follow me connect with me. I"},{"speaker":"Tristan Pelloux","startTime":3390.04,"endTime":3395.98,"body":"just enjoy talking to people."},{"speaker":"Tristan Pelloux","startTime":3390.04,"endTime":3395.98,"body":"Yeah, and so basically just just"},{"speaker":"Tristan Pelloux","startTime":3395.98,"endTime":3400.81,"body":"getting in touch to you can also"},{"speaker":"Tristan Pelloux","startTime":3395.98,"endTime":3400.81,"body":"go on FinTechcredit.net drop me"},{"speaker":"Tristan Pelloux","startTime":3400.81,"endTime":3405.1,"body":"an email at"},{"speaker":"Tristan Pelloux","startTime":3400.81,"endTime":3405.1,"body":"Hello@FinTechreview.net. Just"},{"speaker":"Tristan Pelloux","startTime":3405.1,"endTime":3405.94,"body":"get in touch."},{"speaker":"Average Joe Finances","startTime":3406.45,"endTime":3408.28,"body":"Awesome."},{"speaker":"Average Joe Finances","startTime":3406.45,"endTime":3408.28,"body":"Alright, so I'll make sure I"},{"speaker":"Average Joe Finances","startTime":3408.28,"endTime":3411.79,"body":"have all of that in the show"},{"speaker":"Average Joe Finances","startTime":3408.28,"endTime":3411.79,"body":"notes for everybody. So if, if"},{"speaker":"Average Joe Finances","startTime":3411.79,"endTime":3414.25,"body":"you didn't just listen to that"},{"speaker":"Average Joe Finances","startTime":3411.79,"endTime":3414.25,"body":"and write it down, you can"},{"speaker":"Average Joe Finances","startTime":3414.25,"endTime":3416.68,"body":"certainly go into the show"},{"speaker":"Average Joe Finances","startTime":3414.25,"endTime":3416.68,"body":"notes, copy and paste that and"},{"speaker":"Average Joe Finances","startTime":3416.68,"endTime":3420.31,"body":"go check out Tristan and"},{"speaker":"Average Joe Finances","startTime":3416.68,"endTime":3420.31,"body":"everything that he's doing. I"},{"speaker":"Average Joe Finances","startTime":3420.31,"endTime":3422.47,"body":"mean, I think some of the stuff"},{"speaker":"Average Joe Finances","startTime":3420.31,"endTime":3422.47,"body":"that we talked about today is"},{"speaker":"Average Joe Finances","startTime":3422.47,"endTime":3425.83,"body":"just kind of tip of the iceberg."},{"speaker":"Average Joe Finances","startTime":3422.47,"endTime":3425.83,"body":"There's so much more that you"},{"speaker":"Average Joe Finances","startTime":3425.83,"endTime":3429.1,"body":"can get and you get that"},{"speaker":"Average Joe Finances","startTime":3425.83,"endTime":3429.1,"body":"information by checking out his"},{"speaker":"Average Joe Finances","startTime":3429.1,"endTime":3431.71,"body":"website. So make sure you get"},{"speaker":"Average Joe Finances","startTime":3429.1,"endTime":3431.71,"body":"out there and check it out."},{"speaker":"Average Joe Finances","startTime":3431.71,"endTime":3435.34,"body":"Follow him on social media."},{"speaker":"Average Joe Finances","startTime":3431.71,"endTime":3435.34,"body":"Definitely putting out some good"},{"speaker":"Average Joe Finances","startTime":3435.34,"endTime":3439.84,"body":"info. I enjoyed the flow of this"},{"speaker":"Average Joe Finances","startTime":3435.34,"endTime":3439.84,"body":"conversation. I definitely think"},{"speaker":"Average Joe Finances","startTime":3439.84,"endTime":3442.48,"body":"you you know you're you're going"},{"speaker":"Average Joe Finances","startTime":3439.84,"endTime":3442.48,"body":"to be moving on into the future"},{"speaker":"Average Joe Finances","startTime":3442.48,"endTime":3445.39,"body":"as you do more of these reviews"},{"speaker":"Average Joe Finances","startTime":3442.48,"endTime":3445.39,"body":"and more interviews with these"},{"speaker":"Average Joe Finances","startTime":3445.39,"endTime":3447.55,"body":"companies. It's gonna be really"},{"speaker":"Average Joe Finances","startTime":3445.39,"endTime":3447.55,"body":"exciting to follow what you're"},{"speaker":"Average Joe Finances","startTime":3447.55,"endTime":3451.06,"body":"doing. So again, hey, thanks man"},{"speaker":"Average Joe Finances","startTime":3447.55,"endTime":3451.06,"body":"so much for for chatting with me"},{"speaker":"Average Joe Finances","startTime":3451.06,"endTime":3451.45,"body":"today."},{"speaker":"Tristan Pelloux","startTime":3451.9,"endTime":3454.18,"body":"Thanks, Mike."},{"speaker":"Tristan Pelloux","startTime":3451.9,"endTime":3454.18,"body":"It was it was really great."},{"speaker":"Average Joe Finances","startTime":3454.75,"endTime":3455.65,"body":"All right,"},{"speaker":"Average Joe Finances","startTime":3454.75,"endTime":3455.65,"body":"Aloha."},{"speaker":"Average Joe Finances","startTime":3457.39,"endTime":3460.87,"body":"Thanks for listening to the"},{"speaker":"Average Joe Finances","startTime":3457.39,"endTime":3460.87,"body":"Average Joe Finances podcast."},{"speaker":"Average Joe Finances","startTime":3461.08,"endTime":3465.7,"body":"Your source for beating debt,"},{"speaker":"Average Joe Finances","startTime":3461.08,"endTime":3465.7,"body":"saving money and investing Learn"},{"speaker":"Average Joe Finances","startTime":3465.7,"endTime":3471.82,"body":"more at AverageJoef"},{"speaker":"Average Joe Finances","startTime":3465.7,"endTime":3471.82,"body":"nances.com. The Average Joe F"},{"speaker":"Average Joe Finances","startTime":3471.82,"endTime":3475.36,"body":"nances podcast is for i"},{"speaker":"Average Joe Finances","startTime":3471.82,"endTime":3475.36,"body":"formational and entertainment p"},{"speaker":"Average Joe Finances","startTime":3475.36,"endTime":3479.83,"body":"rposes only. Do not use this f"},{"speaker":"Average Joe Finances","startTime":3475.36,"endTime":3479.83,"body":"r any real estate or i"},{"speaker":"Average Joe Finances","startTime":3479.83,"endTime":3481.54,"body":"vestment making decision."}]}