{"version":"1.0.0","segments":[{"speaker":"Average Joe Finances","startTime":0.213,"endTime":1.263,"body":"Hey,"},{"speaker":"Average Joe Finances","startTime":0.213,"endTime":1.263,"body":"how's it going everybody."},{"speaker":"Average Joe Finances","startTime":1.293,"endTime":5.203,"body":"So today's guests are Craig"},{"speaker":"Average Joe Finances","startTime":1.293,"endTime":5.203,"body":"Clickner, and Carrie Bollig."},{"speaker":"Average Joe Finances","startTime":5.224,"endTime":6.814,"body":"I'm really excited to have them."},{"speaker":"Average Joe Finances","startTime":6.843,"endTime":8.494,"body":"Hey guys, thank you for joining me today."},{"speaker":"Craig Clickner","startTime":9.484,"endTime":10.774,"body":"Hey, thanks"},{"speaker":"Craig Clickner","startTime":9.484,"endTime":10.774,"body":"for having us on man."},{"speaker":"Craig Clickner","startTime":10.774,"endTime":12.124,"body":"Anything finances?"},{"speaker":"Craig Clickner","startTime":12.124,"endTime":13.324,"body":"We love to talk about it."},{"speaker":"Craig Clickner","startTime":13.324,"endTime":18.034,"body":"So especially Craig gets overly"},{"speaker":"Craig Clickner","startTime":13.324,"endTime":18.034,"body":"excited, so yeah, I'm already to"},{"speaker":"Craig Clickner","startTime":18.034,"endTime":19.564,"body":"dork out, man, whatever we gotta do."},{"speaker":"Average Joe Finances","startTime":20.073,"endTime":20.374,"body":"Awesome."},{"speaker":"Average Joe Finances","startTime":20.374,"endTime":22.324,"body":"Hey, so I want to talk a little"},{"speaker":"Average Joe Finances","startTime":20.374,"endTime":22.324,"body":"bit about your background, right?"},{"speaker":"Average Joe Finances","startTime":22.324,"endTime":25.464,"body":"The two of them met a singles while"},{"speaker":"Average Joe Finances","startTime":22.324,"endTime":25.464,"body":"building their own businesses."},{"speaker":"Average Joe Finances","startTime":25.522,"endTime":28.402,"body":"But their paths to entrepreneurship"},{"speaker":"Average Joe Finances","startTime":25.522,"endTime":28.402,"body":"were very different."},{"speaker":"Average Joe Finances","startTime":28.942,"endTime":32.032,"body":"Craig first began to consider"},{"speaker":"Average Joe Finances","startTime":28.942,"endTime":32.032,"body":"creating his own business while"},{"speaker":"Average Joe Finances","startTime":32.032,"endTime":37.252,"body":"working as a banking risk analyst"},{"speaker":"Average Joe Finances","startTime":32.032,"endTime":37.252,"body":"in 2003, Carrie began her business"},{"speaker":"Average Joe Finances","startTime":37.252,"endTime":39.322,"body":"while studying sociology and women's."},{"speaker":"Average Joe Finances","startTime":40.477,"endTime":45.187,"body":"At the university of Wisconsin, living"},{"speaker":"Average Joe Finances","startTime":40.477,"endTime":45.187,"body":"a modest student lifestyle, she was"},{"speaker":"Average Joe Finances","startTime":45.187,"endTime":49.087,"body":"open to hearing about any opportunity"},{"speaker":"Average Joe Finances","startTime":45.187,"endTime":49.087,"body":"that could earn her extra income."},{"speaker":"Average Joe Finances","startTime":49.687,"endTime":51.367,"body":"They met a few years later, right?"},{"speaker":"Average Joe Finances","startTime":51.397,"endTime":53.977,"body":"And Craig and Carrie appreciate"},{"speaker":"Average Joe Finances","startTime":51.397,"endTime":53.977,"body":"the flexibility that their"},{"speaker":"Average Joe Finances","startTime":53.977,"endTime":55.087,"body":"business affords them."},{"speaker":"Average Joe Finances","startTime":55.387,"endTime":59.047,"body":"It's also allowed them to focus"},{"speaker":"Average Joe Finances","startTime":55.387,"endTime":59.047,"body":"on philanthropy as parents."},{"speaker":"Average Joe Finances","startTime":59.047,"endTime":62.497,"body":"They appreciate creating something"},{"speaker":"Average Joe Finances","startTime":59.047,"endTime":62.497,"body":"meaningful that will outlive them while"},{"speaker":"Average Joe Finances","startTime":62.497,"endTime":64.587,"body":"inspiring and empowering people around."},{"speaker":"Average Joe Finances","startTime":65.907,"endTime":67.943,"body":"I absolutely love your background guys."},{"speaker":"Average Joe Finances","startTime":67.943,"endTime":72.019,"body":"The fact that just in that alone,"},{"speaker":"Average Joe Finances","startTime":67.943,"endTime":72.019,"body":"the, it just shows how much you"},{"speaker":"Average Joe Finances","startTime":72.019,"endTime":74.779,"body":"want to give back, and I'm really"},{"speaker":"Average Joe Finances","startTime":72.019,"endTime":74.779,"body":"excited to share your story."},{"speaker":"Average Joe Finances","startTime":76.194,"endTime":78.114,"body":"And I think thanks a lot"},{"speaker":"Average Joe Finances","startTime":76.194,"endTime":78.114,"body":"for having us on man."},{"speaker":"Average Joe Finances","startTime":78.174,"endTime":79.194,"body":"Yeah, absolutely."},{"speaker":"Average Joe Finances","startTime":79.303,"endTime":82.537,"body":"I gave a little bit about your background"},{"speaker":"Average Joe Finances","startTime":79.303,"endTime":82.537,"body":"and, the way I like to typically start"},{"speaker":"Average Joe Finances","startTime":82.537,"endTime":84.32,"body":"things off is to know a little bit more."},{"speaker":"Average Joe Finances","startTime":84.335,"endTime":88.512,"body":"So yeah, if you could share us share"},{"speaker":"Average Joe Finances","startTime":84.335,"endTime":88.512,"body":"with us a little bit about yourself,"},{"speaker":"Average Joe Finances","startTime":88.812,"endTime":90.192,"body":"your story, how did you guys get."},{"speaker":"Craig Clickner","startTime":91.707,"endTime":92.637,"body":"Yeah, absolutely."},{"speaker":"Craig Clickner","startTime":92.652,"endTime":96.312,"body":"My background was finance and econ"},{"speaker":"Craig Clickner","startTime":92.652,"endTime":96.312,"body":"got the big, hot shot banking job"},{"speaker":"Craig Clickner","startTime":96.312,"endTime":99.702,"body":"and worked in Deutsche bank and then"},{"speaker":"Craig Clickner","startTime":96.312,"endTime":99.702,"body":"commercial finance for GE capital."},{"speaker":"Craig Clickner","startTime":99.702,"endTime":104.412,"body":"I was doing well getting some raises,"},{"speaker":"Craig Clickner","startTime":99.702,"endTime":104.412,"body":"but realized I just didn't want"},{"speaker":"Craig Clickner","startTime":104.412,"endTime":105.702,"body":"to work for someone else forever."},{"speaker":"Craig Clickner","startTime":105.751,"endTime":107.761,"body":"That just came with a set of limitations."},{"speaker":"Craig Clickner","startTime":107.761,"endTime":111.211,"body":"And we talk about this a lot, but most"},{"speaker":"Craig Clickner","startTime":107.761,"endTime":111.211,"body":"of us are more dynamic than our jobs."},{"speaker":"Craig Clickner","startTime":111.246,"endTime":112.596,"body":"So stop trying to get a job."},{"speaker":"Craig Clickner","startTime":112.626,"endTime":114.829,"body":"That's going to complete you"},{"speaker":"Craig Clickner","startTime":112.626,"endTime":114.829,"body":"cause it's not going to happen."},{"speaker":"Craig Clickner","startTime":114.873,"endTime":116.913,"body":"It's like having a spouse that"},{"speaker":"Craig Clickner","startTime":114.873,"endTime":116.913,"body":"tries to fulfill our role."},{"speaker":"Craig Clickner","startTime":116.923,"endTime":118.473,"body":"So here I was frustrated."},{"speaker":"Craig Clickner","startTime":118.473,"endTime":119.442,"body":"I'm like what am I going to do?"},{"speaker":"Craig Clickner","startTime":119.442,"endTime":123.552,"body":"So I did what everyone did in 2000,"},{"speaker":"Craig Clickner","startTime":119.442,"endTime":123.552,"body":"the early 2000 mid two thousands."},{"speaker":"Craig Clickner","startTime":123.882,"endTime":125.592,"body":"I bought my first piece of real estate."},{"speaker":"Craig Clickner","startTime":125.862,"endTime":127.422,"body":"I started investing in the stock room."},{"speaker":"Craig Clickner","startTime":128.142,"endTime":130.338,"body":"And I went to MBA school, right?"},{"speaker":"Craig Clickner","startTime":130.34,"endTime":131.344,"body":"Those what else do you do?"},{"speaker":"Craig Clickner","startTime":131.344,"endTime":132.934,"body":"You work hard and you do those things."},{"speaker":"Craig Clickner","startTime":132.934,"endTime":133.617,"body":"So here I am."},{"speaker":"Craig Clickner","startTime":133.917,"endTime":137.367,"body":"But the challenge was with real"},{"speaker":"Craig Clickner","startTime":133.917,"endTime":137.367,"body":"estate, is it wasn't scalable"},{"speaker":"Craig Clickner","startTime":137.487,"endTime":139.147,"body":"without a lot of capital or risk."},{"speaker":"Craig Clickner","startTime":139.209,"endTime":140.889,"body":"And then same with investing."},{"speaker":"Craig Clickner","startTime":141.099,"endTime":142.239,"body":"And then MBA school was."},{"speaker":"Craig Clickner","startTime":142.289,"endTime":142.979,"body":"A waste of time."},{"speaker":"Craig Clickner","startTime":142.979,"endTime":145.589,"body":"For me, at least it was just more"},{"speaker":"Craig Clickner","startTime":142.979,"endTime":145.589,"body":"of the same and how to climb up"},{"speaker":"Craig Clickner","startTime":145.589,"endTime":147.929,"body":"in the corporate ladder, which I"},{"speaker":"Craig Clickner","startTime":145.589,"endTime":147.929,"body":"knew I didn't really want to do."},{"speaker":"Craig Clickner","startTime":147.929,"endTime":152.276,"body":"So I was in a space of just feeling"},{"speaker":"Craig Clickner","startTime":147.929,"endTime":152.276,"body":"a little frustrated and, trying to"},{"speaker":"Craig Clickner","startTime":152.276,"endTime":155.756,"body":"run all these plays and then ended up"},{"speaker":"Craig Clickner","startTime":152.276,"endTime":155.756,"body":"meeting some people who'd built and"},{"speaker":"Craig Clickner","startTime":155.966,"endTime":157.376,"body":"leveraged building online committee."},{"speaker":"Craig Clickner","startTime":158.506,"endTime":159.856,"body":"I'm driving revenue that way."},{"speaker":"Craig Clickner","startTime":160.066,"endTime":163.586,"body":"And they used a direct sales system"},{"speaker":"Craig Clickner","startTime":160.066,"endTime":163.586,"body":"and then some affiliate marketing"},{"speaker":"Craig Clickner","startTime":163.589,"endTime":167.037,"body":"in a way that, I was like, okay this"},{"speaker":"Craig Clickner","startTime":163.589,"endTime":167.037,"body":"is something that I can get into at"},{"speaker":"Craig Clickner","startTime":167.037,"endTime":171.237,"body":"a low cost at 24 years old and like"},{"speaker":"Craig Clickner","startTime":167.037,"endTime":171.237,"body":"scale and at least learn some things."},{"speaker":"Craig Clickner","startTime":171.597,"endTime":174.807,"body":"And so I started to engage with that"},{"speaker":"Craig Clickner","startTime":171.597,"endTime":174.807,"body":"and started to create a little progress."},{"speaker":"Craig Clickner","startTime":174.807,"endTime":176.427,"body":"And then through that, I actually met."},{"speaker":"Craig Clickner","startTime":177.072,"endTime":180.792,"body":"The woman sitting here to my"},{"speaker":"Craig Clickner","startTime":177.072,"endTime":180.792,"body":"left and fell deeply in love."},{"speaker":"Craig Clickner","startTime":180.792,"endTime":183.492,"body":"And that's where a side hustle"},{"speaker":"Craig Clickner","startTime":180.792,"endTime":183.492,"body":"story turns, love story."},{"speaker":"Craig Clickner","startTime":183.492,"endTime":186.882,"body":"But as we tell people on a podcast"},{"speaker":"Craig Clickner","startTime":183.492,"endTime":186.882,"body":"like this, we'll save the love"},{"speaker":"Craig Clickner","startTime":186.882,"endTime":188.982,"body":"story for a different podcast."},{"speaker":"Craig Clickner","startTime":189.012,"endTime":189.732,"body":"We'll spare you."},{"speaker":"Craig Clickner","startTime":190.332,"endTime":192.194,"body":"So let me kick it over to carry"},{"speaker":"Craig Clickner","startTime":190.332,"endTime":192.194,"body":"it, and then she can talk."},{"speaker":"Craig Clickner","startTime":192.194,"endTime":195.224,"body":"And then we'll just talk a little bit"},{"speaker":"Craig Clickner","startTime":192.194,"endTime":195.224,"body":"about Joe, if this is helpful, maybe what"},{"speaker":"Craig Clickner","startTime":195.244,"endTime":199.124,"body":"or sorry, like what we do now, and then"},{"speaker":"Craig Clickner","startTime":195.244,"endTime":199.124,"body":"that'll allow us to have a conversation"},{"speaker":"Craig Clickner","startTime":199.124,"endTime":200.204,"body":"about wherever you want to take it."},{"speaker":"Craig Clickner","startTime":200.534,"endTime":200.864,"body":"Sure."},{"speaker":"Carrie Bohlig","startTime":201.884,"endTime":202.424,"body":"Yeah."},{"speaker":"Carrie Bohlig","startTime":202.424,"endTime":204.704,"body":"And so my background is pretty"},{"speaker":"Carrie Bohlig","startTime":202.424,"endTime":204.704,"body":"different as you mentioned, my."},{"speaker":"Carrie Bohlig","startTime":205.439,"endTime":207.119,"body":"Very liberal studies background."},{"speaker":"Carrie Bohlig","startTime":207.179,"endTime":211.109,"body":"I really hardly even at a resume when"},{"speaker":"Carrie Bohlig","startTime":207.179,"endTime":211.109,"body":"I asserted to start side hustling."},{"speaker":"Carrie Bohlig","startTime":211.109,"endTime":212.879,"body":"And for me, it was just this idea of."},{"speaker":"Carrie Bohlig","startTime":212.888,"endTime":216.668,"body":"The claustrophobic claustrophobia"},{"speaker":"Carrie Bohlig","startTime":212.888,"endTime":216.668,"body":"of going into the job world"},{"speaker":"Carrie Bohlig","startTime":216.668,"endTime":219.878,"body":"and knowing like I can't travel"},{"speaker":"Carrie Bohlig","startTime":216.668,"endTime":219.878,"body":"more than a week or two a year."},{"speaker":"Carrie Bohlig","startTime":219.908,"endTime":223.868,"body":"And just the limitations of my"},{"speaker":"Carrie Bohlig","startTime":219.908,"endTime":223.868,"body":"lifestyle, having a teacher salary,"},{"speaker":"Carrie Bohlig","startTime":223.868,"endTime":225.768,"body":"that was the field I went into."},{"speaker":"Carrie Bohlig","startTime":225.768,"endTime":229.792,"body":"So just being pretty candid about"},{"speaker":"Carrie Bohlig","startTime":225.768,"endTime":229.792,"body":"what my options were, which were not"},{"speaker":"Carrie Bohlig","startTime":229.792,"endTime":233.752,"body":"a lot, because I didn't really have"},{"speaker":"Carrie Bohlig","startTime":229.792,"endTime":233.752,"body":"capital, I didn't have experience."},{"speaker":"Carrie Bohlig","startTime":233.812,"endTime":237.292,"body":"I didn't really have a lot of professional"},{"speaker":"Carrie Bohlig","startTime":233.812,"endTime":237.292,"body":"skillsets coming from my background."},{"speaker":"Carrie Bohlig","startTime":237.292,"endTime":239.572,"body":"So it was again, how do I access?"},{"speaker":"Carrie Bohlig","startTime":239.572,"endTime":239.902,"body":"People's."},{"speaker":"Carrie Bohlig","startTime":240.637,"endTime":243.337,"body":"Who can support me and help me,"},{"speaker":"Carrie Bohlig","startTime":240.637,"endTime":243.337,"body":"people that maybe had more of the"},{"speaker":"Carrie Bohlig","startTime":243.337,"endTime":246.547,"body":"lifestyle that I wanted to create"},{"speaker":"Carrie Bohlig","startTime":243.337,"endTime":246.547,"body":"and just get in their back pocket"},{"speaker":"Carrie Bohlig","startTime":246.547,"endTime":249.997,"body":"and fight really hard to be in their"},{"speaker":"Carrie Bohlig","startTime":246.547,"endTime":249.997,"body":"inner circle and in their association."},{"speaker":"Carrie Bohlig","startTime":250.007,"endTime":252.017,"body":"So I could learn by association."},{"speaker":"Carrie Bohlig","startTime":252.041,"endTime":254.378,"body":"I also have a very athletic"},{"speaker":"Carrie Bohlig","startTime":252.041,"endTime":254.378,"body":"background growing up."},{"speaker":"Carrie Bohlig","startTime":254.378,"endTime":258.038,"body":"So there's this piece of my"},{"speaker":"Carrie Bohlig","startTime":254.378,"endTime":258.038,"body":"experience, getting into a job where"},{"speaker":"Carrie Bohlig","startTime":258.038,"endTime":262.251,"body":"it's man, if I show up earlier, I"},{"speaker":"Carrie Bohlig","startTime":258.038,"endTime":262.251,"body":"love my kids that I'm teaching more."},{"speaker":"Carrie Bohlig","startTime":262.251,"endTime":263.031,"body":"I work harder."},{"speaker":"Carrie Bohlig","startTime":263.108,"endTime":264.998,"body":"There's no position."},{"speaker":"Carrie Bohlig","startTime":265.208,"endTime":266.648,"body":"It there's no performance based."},{"speaker":"Carrie Bohlig","startTime":266.649,"endTime":267.59,"body":"Compensation."},{"speaker":"Carrie Bohlig","startTime":267.59,"endTime":271.28,"body":"And so I think for me, once I discovered"},{"speaker":"Carrie Bohlig","startTime":267.59,"endTime":271.28,"body":"entrepreneurship, especially more of"},{"speaker":"Carrie Bohlig","startTime":271.28,"endTime":274.91,"body":"a moderate way of approaching it, like"},{"speaker":"Carrie Bohlig","startTime":271.28,"endTime":274.91,"body":"we say, there's more of a spectrum."},{"speaker":"Carrie Bohlig","startTime":274.91,"endTime":278.27,"body":"Like most people are not the mark"},{"speaker":"Carrie Bohlig","startTime":274.91,"endTime":278.27,"body":"Zuckerbergs or the Elon Musks."},{"speaker":"Carrie Bohlig","startTime":278.66,"endTime":282.23,"body":"Most people, especially in this"},{"speaker":"Carrie Bohlig","startTime":278.66,"endTime":282.23,"body":"day and age also, aren't looking"},{"speaker":"Carrie Bohlig","startTime":282.23,"endTime":284.66,"body":"to work for someone else into"},{"speaker":"Carrie Bohlig","startTime":282.23,"endTime":284.66,"body":"their sixties or seventies."},{"speaker":"Carrie Bohlig","startTime":284.66,"endTime":288.77,"body":"It's like this Craig calls that the"},{"speaker":"Carrie Bohlig","startTime":284.66,"endTime":288.77,"body":"ambiverts of entrepreneurship, most"},{"speaker":"Carrie Bohlig","startTime":288.77,"endTime":290.312,"body":"people have that moderate approach."},{"speaker":"Carrie Bohlig","startTime":290.312,"endTime":292.727,"body":"And so for me leveraging"},{"speaker":"Carrie Bohlig","startTime":290.312,"endTime":292.727,"body":"that competitive nature."},{"speaker":"Carrie Bohlig","startTime":292.727,"endTime":296.297,"body":"It was a neat option to just take some"},{"speaker":"Carrie Bohlig","startTime":292.727,"endTime":296.297,"body":"evenings and weekends, and really slowly"},{"speaker":"Carrie Bohlig","startTime":296.297,"endTime":297.887,"body":"incrementally built something out."},{"speaker":"Carrie Bohlig","startTime":297.887,"endTime":301.382,"body":"And by the time I was in my mid"},{"speaker":"Carrie Bohlig","startTime":297.887,"endTime":301.382,"body":"twenties we'd scaled our first"},{"speaker":"Carrie Bohlig","startTime":301.382,"endTime":303.092,"body":"business to about a million in revenue."},{"speaker":"Carrie Bohlig","startTime":303.662,"endTime":305.882,"body":"So that actually helped"},{"speaker":"Carrie Bohlig","startTime":303.662,"endTime":305.882,"body":"me make the transition."},{"speaker":"Carrie Bohlig","startTime":305.902,"endTime":307.822,"body":"Several years later, a number of."},{"speaker":"Carrie Bohlig","startTime":307.86,"endTime":310.308,"body":"And then we started to add an"},{"speaker":"Carrie Bohlig","startTime":307.86,"endTime":310.308,"body":"educational company, started to"},{"speaker":"Carrie Bohlig","startTime":310.308,"endTime":311.808,"body":"dabble with more affiliate marketing."},{"speaker":"Carrie Bohlig","startTime":312.018,"endTime":314.658,"body":"But at that point we were able"},{"speaker":"Carrie Bohlig","startTime":312.018,"endTime":314.658,"body":"to then help Craig scale out of"},{"speaker":"Carrie Bohlig","startTime":314.658,"endTime":316.248,"body":"his commercial banking career."},{"speaker":"Carrie Bohlig","startTime":316.248,"endTime":319.848,"body":"And for a number of years, we actually"},{"speaker":"Carrie Bohlig","startTime":316.248,"endTime":319.848,"body":"just banked all our business income."},{"speaker":"Carrie Bohlig","startTime":320.478,"endTime":323.268,"body":"And we're able to say 110% of our income."},{"speaker":"Carrie Bohlig","startTime":323.268,"endTime":323.988,"body":"We banked, which."},{"speaker":"Carrie Bohlig","startTime":325.628,"endTime":326.348,"body":"Finance guy."},{"speaker":"Craig Clickner","startTime":326.348,"endTime":329.468,"body":"So 110% of"},{"speaker":"Craig Clickner","startTime":326.348,"endTime":329.468,"body":"my job income, we banked."},{"speaker":"Craig Clickner","startTime":329.468,"endTime":329.888,"body":"Yes."},{"speaker":"Craig Clickner","startTime":330.128,"endTime":334.598,"body":"So the whole idea was how do we build"},{"speaker":"Craig Clickner","startTime":330.128,"endTime":334.598,"body":"something up substantial cashflow"},{"speaker":"Craig Clickner","startTime":334.598,"endTime":337.568,"body":"and not have this like binary,"},{"speaker":"Craig Clickner","startTime":334.598,"endTime":337.568,"body":"like I'm all in or I'm all out."},{"speaker":"Craig Clickner","startTime":337.568,"endTime":339.428,"body":"Like I'm going to be a"},{"speaker":"Craig Clickner","startTime":337.568,"endTime":339.428,"body":"business owner or nothing."},{"speaker":"Craig Clickner","startTime":339.428,"endTime":342.908,"body":"And it was like, for us, no, let's"},{"speaker":"Craig Clickner","startTime":339.428,"endTime":342.908,"body":"create like another source of revenue."},{"speaker":"Craig Clickner","startTime":342.908,"endTime":344.318,"body":"And here's maybe our biggest theme."},{"speaker":"Craig Clickner","startTime":344.318,"endTime":346.358,"body":"We can give people today because"},{"speaker":"Craig Clickner","startTime":344.318,"endTime":346.358,"body":"if you're into real estate"},{"speaker":"Craig Clickner","startTime":346.358,"endTime":347.528,"body":"or investing, that's great."},{"speaker":"Craig Clickner","startTime":347.858,"endTime":350.971,"body":"But you can only do so much if you make"},{"speaker":"Craig Clickner","startTime":347.858,"endTime":350.971,"body":"60, 70, 80, a hundred grand a year."},{"speaker":"Craig Clickner","startTime":351.008,"endTime":352.868,"body":"You got to have more than"},{"speaker":"Craig Clickner","startTime":351.008,"endTime":352.868,"body":"one way to make money."},{"speaker":"Craig Clickner","startTime":352.988,"endTime":356.378,"body":"Like it's the 21st century"},{"speaker":"Craig Clickner","startTime":352.988,"endTime":356.378,"body":"stop thinking, like in a like"},{"speaker":"Craig Clickner","startTime":356.408,"endTime":357.968,"body":"very tunnel vision type way."},{"speaker":"Craig Clickner","startTime":358.118,"endTime":359.798,"body":"So now the question just becomes what?"},{"speaker":"Craig Clickner","startTime":359.798,"endTime":363.535,"body":"So in our case, we built in those"},{"speaker":"Craig Clickner","startTime":359.798,"endTime":363.535,"body":"industries scaled, some businesses started"},{"speaker":"Craig Clickner","startTime":363.535,"endTime":365.195,"body":"educating, started public speaking."},{"speaker":"Craig Clickner","startTime":365.195,"endTime":367.917,"body":"That led way to some more investing"},{"speaker":"Craig Clickner","startTime":365.195,"endTime":367.917,"body":"where we got into the real estate."},{"speaker":"Craig Clickner","startTime":367.92,"endTime":370.886,"body":"Some, a little Airbnb we have"},{"speaker":"Craig Clickner","startTime":367.92,"endTime":370.886,"body":"now like a lake house and then"},{"speaker":"Craig Clickner","startTime":370.886,"endTime":372.176,"body":"some commercial real estate."},{"speaker":"Craig Clickner","startTime":372.446,"endTime":375.416,"body":"And then we do a fair amount of"},{"speaker":"Craig Clickner","startTime":372.446,"endTime":375.416,"body":"affiliate marketing because we have"},{"speaker":"Craig Clickner","startTime":375.416,"endTime":377.267,"body":"great relationships with other folks."},{"speaker":"Craig Clickner","startTime":377.597,"endTime":381.107,"body":"And then now we have a podcast and the"},{"speaker":"Craig Clickner","startTime":377.597,"endTime":381.107,"body":"chance to chase our passion projects,"},{"speaker":"Craig Clickner","startTime":381.107,"endTime":382.037,"body":"like writing the book, we just."},{"speaker":"Craig Clickner","startTime":382.532,"endTime":385.712,"body":"Wrote, which we're lucky McGraw-Hill"},{"speaker":"Craig Clickner","startTime":382.532,"endTime":385.712,"body":"was willing to take a chance on us."},{"speaker":"Craig Clickner","startTime":386.042,"endTime":389.147,"body":"And that the non-profit, which is"},{"speaker":"Craig Clickner","startTime":386.042,"endTime":389.147,"body":"a tandem giving, which supports"},{"speaker":"Craig Clickner","startTime":389.177,"endTime":390.707,"body":"kids in needs, but kids in need."},{"speaker":"Craig Clickner","startTime":390.897,"endTime":393.917,"body":"But our main thought process was"},{"speaker":"Craig Clickner","startTime":390.897,"endTime":393.917,"body":"like, how do we customize and"},{"speaker":"Craig Clickner","startTime":393.917,"endTime":395.207,"body":"create the life that we want?"},{"speaker":"Craig Clickner","startTime":395.567,"endTime":397.787,"body":"How do we use entrepreneurship as a tool?"},{"speaker":"Craig Clickner","startTime":398.562,"endTime":399.852,"body":"I like build a great life."},{"speaker":"Craig Clickner","startTime":400.302,"endTime":404.178,"body":"And I think that's where a lot of people"},{"speaker":"Craig Clickner","startTime":400.302,"endTime":404.178,"body":"get mixed up and, or they invest over"},{"speaker":"Craig Clickner","startTime":404.178,"endTime":407.538,"body":"invest when they have no experience in"},{"speaker":"Craig Clickner","startTime":404.178,"endTime":407.538,"body":"business ownership and a lot of different"},{"speaker":"Craig Clickner","startTime":407.538,"endTime":411.018,"body":"problematic areas we can start to dive"},{"speaker":"Craig Clickner","startTime":407.538,"endTime":411.018,"body":"into wherever you think will be most"},{"speaker":"Craig Clickner","startTime":411.018,"endTime":412.308,"body":"helpful for you and your audience."},{"speaker":"Average Joe Finances","startTime":413.658,"endTime":414.498,"body":"Yeah, absolutely."},{"speaker":"Average Joe Finances","startTime":414.501,"endTime":418.275,"body":"So I want rewind back because"},{"speaker":"Average Joe Finances","startTime":414.501,"endTime":418.275,"body":"he was said at the beginning of."},{"speaker":"Average Joe Finances","startTime":419.085,"endTime":421.669,"body":"How, you can't have a"},{"speaker":"Average Joe Finances","startTime":419.085,"endTime":421.669,"body":"job that completes you."},{"speaker":"Average Joe Finances","startTime":421.759,"endTime":425.426,"body":"And that kind of just really spoke to"},{"speaker":"Average Joe Finances","startTime":421.759,"endTime":425.426,"body":"me a bit because, a lot of people feel"},{"speaker":"Average Joe Finances","startTime":425.426,"endTime":428.899,"body":"like they're going to get this job"},{"speaker":"Average Joe Finances","startTime":425.426,"endTime":428.899,"body":"satisfaction or this gratification out"},{"speaker":"Average Joe Finances","startTime":428.899,"endTime":430.489,"body":"of going into a certain career field."},{"speaker":"Average Joe Finances","startTime":430.909,"endTime":435.244,"body":"And then they get into it and realize,"},{"speaker":"Average Joe Finances","startTime":430.909,"endTime":435.244,"body":"man, this is not what I expected it to be."},{"speaker":"Average Joe Finances","startTime":435.315,"endTime":439.06,"body":"It's either a little more difficult"},{"speaker":"Average Joe Finances","startTime":435.315,"endTime":439.06,"body":"or I'm not getting the monetary"},{"speaker":"Average Joe Finances","startTime":439.06,"endTime":441.491,"body":"return that I thought I was going"},{"speaker":"Average Joe Finances","startTime":439.06,"endTime":441.491,"body":"to get, in different things like."},{"speaker":"Average Joe Finances","startTime":442.266,"endTime":445.04,"body":"Whereas your, if you're building"},{"speaker":"Average Joe Finances","startTime":442.266,"endTime":445.04,"body":"something yourself from the ground"},{"speaker":"Average Joe Finances","startTime":445.04,"endTime":448.39,"body":"up, you have that pride that,"},{"speaker":"Average Joe Finances","startTime":445.04,"endTime":448.39,"body":"that pride of ownership, exactly."},{"speaker":"Average Joe Finances","startTime":448.69,"endTime":451.925,"body":"So I want to touch on the fact"},{"speaker":"Average Joe Finances","startTime":448.69,"endTime":451.925,"body":"that, so you guys both started"},{"speaker":"Average Joe Finances","startTime":451.925,"endTime":454.055,"body":"this off as side hustles, right?"},{"speaker":"Average Joe Finances","startTime":454.055,"endTime":457.865,"body":"So you still remained in your"},{"speaker":"Average Joe Finances","startTime":454.055,"endTime":457.865,"body":"nine to five corporate job"},{"speaker":"Average Joe Finances","startTime":457.865,"endTime":458.885,"body":"and your teaching job, right?"},{"speaker":"Average Joe Finances","startTime":458.885,"endTime":460.527,"body":"Carrie and you guys did that."},{"speaker":"Average Joe Finances","startTime":461.147,"endTime":462.437,"body":"Building this up, right?"},{"speaker":"Average Joe Finances","startTime":462.437,"endTime":467.032,"body":"So you started doing affiliate marketing"},{"speaker":"Average Joe Finances","startTime":462.437,"endTime":467.032,"body":"and teaching even up to public speaking."},{"speaker":"Average Joe Finances","startTime":467.032,"endTime":468.852,"body":"And being able to build"},{"speaker":"Average Joe Finances","startTime":467.032,"endTime":468.852,"body":"your network that way."},{"speaker":"Average Joe Finances","startTime":469.272,"endTime":472.722,"body":"So by doing this while you were"},{"speaker":"Average Joe Finances","startTime":469.272,"endTime":472.722,"body":"still working your nine to five,"},{"speaker":"Average Joe Finances","startTime":472.722,"endTime":478.501,"body":"you weren't putting yourselves in a"},{"speaker":"Average Joe Finances","startTime":472.722,"endTime":478.501,"body":"spot where, your finances would be"},{"speaker":"Average Joe Finances","startTime":479.461,"endTime":483.422,"body":"affected, you were still going to"},{"speaker":"Average Joe Finances","startTime":479.461,"endTime":483.422,"body":"live the lifestyle for the most part."},{"speaker":"Average Joe Finances","startTime":483.424,"endTime":486.791,"body":"Because you were taking now a lot of your"},{"speaker":"Average Joe Finances","startTime":483.424,"endTime":486.791,"body":"free time and putting that into your side."},{"speaker":"Average Joe Finances","startTime":486.791,"endTime":486.851,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":487.976,"endTime":491.036,"body":"Which is something similar to"},{"speaker":"Average Joe Finances","startTime":487.976,"endTime":491.036,"body":"what I'm doing right now, as I'm"},{"speaker":"Average Joe Finances","startTime":491.036,"endTime":492.579,"body":"finishing up my career in the Navy."},{"speaker":"Average Joe Finances","startTime":492.617,"endTime":496.517,"body":"I do a lot of this stuff on the side, my"},{"speaker":"Average Joe Finances","startTime":492.617,"endTime":496.517,"body":"podcast, I'm also a real estate agent."},{"speaker":"Average Joe Finances","startTime":496.867,"endTime":499.953,"body":"I do that on the side and, I"},{"speaker":"Average Joe Finances","startTime":496.867,"endTime":499.953,"body":"take a lot of my free time."},{"speaker":"Average Joe Finances","startTime":499.953,"endTime":501.633,"body":"I don't have that much"},{"speaker":"Average Joe Finances","startTime":499.953,"endTime":501.633,"body":"free time right now."},{"speaker":"Average Joe Finances","startTime":501.703,"endTime":505.123,"body":"But the way I look at it is I'll"},{"speaker":"Average Joe Finances","startTime":501.703,"endTime":505.123,"body":"soon retire from the Navy and"},{"speaker":"Average Joe Finances","startTime":505.123,"endTime":506.593,"body":"be a full-time entrepreneur."},{"speaker":"Average Joe Finances","startTime":506.593,"endTime":510.763,"body":"And the stuff that I've built"},{"speaker":"Average Joe Finances","startTime":506.593,"endTime":510.763,"body":"leading up to that is going to give"},{"speaker":"Average Joe Finances","startTime":510.763,"endTime":512.353,"body":"me that head start that I need."},{"speaker":"Average Joe Finances","startTime":513.718,"endTime":517.198,"body":"I just wanted to touch on that, the"},{"speaker":"Average Joe Finances","startTime":513.718,"endTime":517.198,"body":"fact that you guys continue to do,"},{"speaker":"Average Joe Finances","startTime":517.265,"endTime":521.466,"body":"your everyday job and started these"},{"speaker":"Average Joe Finances","startTime":517.265,"endTime":521.466,"body":"side hustles and not a lot of people"},{"speaker":"Average Joe Finances","startTime":521.466,"endTime":523.356,"body":"have that drive or that motivation."},{"speaker":"Average Joe Finances","startTime":523.536,"endTime":526.656,"body":"So I just want to say congratulations"},{"speaker":"Average Joe Finances","startTime":523.536,"endTime":526.656,"body":"for what you guys have done."},{"speaker":"Average Joe Finances","startTime":526.656,"endTime":527.736,"body":"That's absolutely amazing."},{"speaker":"Average Joe Finances","startTime":528.246,"endTime":532.096,"body":"So I'd like to talk a little"},{"speaker":"Average Joe Finances","startTime":528.246,"endTime":532.096,"body":"bit about, what you guys do"},{"speaker":"Average Joe Finances","startTime":532.126,"endTime":533.446,"body":"with affiliate marketing, right?"},{"speaker":"Average Joe Finances","startTime":533.465,"endTime":534.813,"body":"And you just recently"},{"speaker":"Average Joe Finances","startTime":533.465,"endTime":534.813,"body":"wrote a book, you said."},{"speaker":"Average Joe Finances","startTime":535.578,"endTime":535.968,"body":"Yep."},{"speaker":"Average Joe Finances","startTime":536.568,"endTime":537.018,"body":"Awesome."},{"speaker":"Average Joe Finances","startTime":537.048,"endTime":537.858,"body":"Congratulations."},{"speaker":"Average Joe Finances","startTime":537.858,"endTime":538.488,"body":"That's amazing."},{"speaker":"Average Joe Finances","startTime":538.758,"endTime":542.928,"body":"So can we talk about that because I do a"},{"speaker":"Average Joe Finances","startTime":538.758,"endTime":542.928,"body":"little bit of a affiliate marketing, but"},{"speaker":"Average Joe Finances","startTime":542.928,"endTime":545.838,"body":"probably not to the level that you all do."},{"speaker":"Average Joe Finances","startTime":545.849,"endTime":550.001,"body":"Can you maybe talk about like how"},{"speaker":"Average Joe Finances","startTime":545.849,"endTime":550.001,"body":"you got started or what drove you to"},{"speaker":"Average Joe Finances","startTime":550.001,"endTime":553.678,"body":"do a specific I guess a specific way"},{"speaker":"Average Joe Finances","startTime":550.001,"endTime":553.678,"body":"of doing your affiliate marketing?"},{"speaker":"Average Joe Finances","startTime":553.678,"endTime":557.158,"body":"Was there a specific niche"},{"speaker":"Average Joe Finances","startTime":553.678,"endTime":557.158,"body":"that you guys targeted and LOC."},{"speaker":"Average Joe Finances","startTime":558.718,"endTime":559.228,"body":"Yeah."},{"speaker":"Craig Clickner","startTime":559.228,"endTime":562.348,"body":"So let's, we"},{"speaker":"Craig Clickner","startTime":559.228,"endTime":562.348,"body":"probably do it a different way"},{"speaker":"Craig Clickner","startTime":562.348,"endTime":564.118,"body":"than a lot of the classic might."},{"speaker":"Craig Clickner","startTime":564.118,"endTime":567.568,"body":"You might say online type"},{"speaker":"Craig Clickner","startTime":564.118,"endTime":567.568,"body":"stuff that's being done on."},{"speaker":"Craig Clickner","startTime":567.598,"endTime":571.048,"body":"So our thing was that over time"},{"speaker":"Craig Clickner","startTime":567.598,"endTime":571.048,"body":"we created good relationships"},{"speaker":"Craig Clickner","startTime":571.048,"endTime":572.128,"body":"with other business owners."},{"speaker":"Craig Clickner","startTime":573.283,"endTime":576.883,"body":"And we started to be get"},{"speaker":"Craig Clickner","startTime":573.283,"endTime":576.883,"body":"good at referring people."},{"speaker":"Craig Clickner","startTime":576.883,"endTime":579.673,"body":"And I remember I was bad at referring"},{"speaker":"Craig Clickner","startTime":576.883,"endTime":579.673,"body":"people initially, cause I would"},{"speaker":"Craig Clickner","startTime":579.673,"endTime":581.646,"body":"just be like, oh, needs a job."},{"speaker":"Craig Clickner","startTime":581.677,"endTime":585.171,"body":"And this person is hiring, go talk"},{"speaker":"Craig Clickner","startTime":581.677,"endTime":585.171,"body":"to them, and then six months later,"},{"speaker":"Craig Clickner","startTime":585.211,"endTime":586.461,"body":"something there would be some issue."},{"speaker":"Craig Clickner","startTime":586.791,"endTime":592.038,"body":"And so we started to become very I"},{"speaker":"Craig Clickner","startTime":586.791,"endTime":592.038,"body":"guess particular and vet our referrals"},{"speaker":"Craig Clickner","startTime":592.068,"endTime":596.028,"body":"so that when we do refer someone to"},{"speaker":"Craig Clickner","startTime":592.068,"endTime":596.028,"body":"another organization or someone else's"},{"speaker":"Craig Clickner","startTime":596.028,"endTime":600.078,"body":"business or say, even a podcast,"},{"speaker":"Craig Clickner","startTime":596.028,"endTime":600.078,"body":"there is a lot of gravity behind it."},{"speaker":"Craig Clickner","startTime":600.078,"endTime":602.688,"body":"And people know that those folks"},{"speaker":"Craig Clickner","startTime":600.078,"endTime":602.688,"body":"are going to be a good fit."},{"speaker":"Craig Clickner","startTime":603.048,"endTime":606.438,"body":"And so what we actually have is a"},{"speaker":"Craig Clickner","startTime":603.048,"endTime":606.438,"body":"lot of ad hoc relationships with"},{"speaker":"Craig Clickner","startTime":606.438,"endTime":609.738,"body":"different business owners that will"},{"speaker":"Craig Clickner","startTime":606.438,"endTime":609.738,"body":"pay us to refer people to them."},{"speaker":"Craig Clickner","startTime":610.253,"endTime":612.863,"body":"But we're only referring if we"},{"speaker":"Craig Clickner","startTime":610.253,"endTime":612.863,"body":"actually think like they're going"},{"speaker":"Craig Clickner","startTime":612.863,"endTime":615.753,"body":"to get the value and it's going"},{"speaker":"Craig Clickner","startTime":612.863,"endTime":615.753,"body":"to be a good win for both parties."},{"speaker":"Carrie Bohlig","startTime":615.753,"endTime":617.371,"body":"And we've"},{"speaker":"Carrie Bohlig","startTime":615.753,"endTime":617.371,"body":"used the service or product."},{"speaker":"Carrie Bohlig","startTime":617.431,"endTime":617.761,"body":"Yeah."},{"speaker":"Craig Clickner","startTime":617.761,"endTime":619.111,"body":"We've used"},{"speaker":"Craig Clickner","startTime":617.761,"endTime":619.111,"body":"the service or product."},{"speaker":"Craig Clickner","startTime":619.141,"endTime":619.411,"body":"Yeah."},{"speaker":"Craig Clickner","startTime":619.421,"endTime":620.491,"body":"We have a relationship."},{"speaker":"Craig Clickner","startTime":620.521,"endTime":623.851,"body":"And so there's a lot of different"},{"speaker":"Craig Clickner","startTime":620.521,"endTime":623.851,"body":"examples you can give of that."},{"speaker":"Craig Clickner","startTime":623.851,"endTime":625.639,"body":"But like podcasting is an example, right?"},{"speaker":"Craig Clickner","startTime":625.639,"endTime":628.81,"body":"If someone's on your show and you say,"},{"speaker":"Craig Clickner","startTime":625.639,"endTime":628.81,"body":"somehow you'd monetize your podcast"},{"speaker":"Craig Clickner","startTime":628.81,"endTime":631.18,"body":"in a big way, you can say, yeah,"},{"speaker":"Craig Clickner","startTime":628.81,"endTime":631.18,"body":"I'll give you a referral or affiliate"},{"speaker":"Craig Clickner","startTime":631.18,"endTime":632.47,"body":"marketing, being an affiliate for us."},{"speaker":"Craig Clickner","startTime":632.555,"endTime":635.209,"body":"So there's a lot of different things"},{"speaker":"Craig Clickner","startTime":632.555,"endTime":635.209,"body":"that you can do, in terms of the"},{"speaker":"Craig Clickner","startTime":635.209,"endTime":638.771,"body":"online stuff we've set it up a little"},{"speaker":"Craig Clickner","startTime":635.209,"endTime":638.771,"body":"bit different where we've actually"},{"speaker":"Craig Clickner","startTime":638.794,"endTime":642.874,"body":"synergized with like direct sales"},{"speaker":"Craig Clickner","startTime":638.794,"endTime":642.874,"body":"and or network marketing, where they"},{"speaker":"Craig Clickner","startTime":642.874,"endTime":644.494,"body":"actually have affiliate relationships."},{"speaker":"Craig Clickner","startTime":644.494,"endTime":646.774,"body":"So we can drive traffic"},{"speaker":"Craig Clickner","startTime":644.494,"endTime":646.774,"body":"online and get paid that way."},{"speaker":"Craig Clickner","startTime":646.774,"endTime":648.064,"body":"But it's very low touch."},{"speaker":"Craig Clickner","startTime":648.754,"endTime":652.504,"body":"Like extremely low touch, low"},{"speaker":"Craig Clickner","startTime":648.754,"endTime":652.504,"body":"margin, but low touch, but then we've"},{"speaker":"Craig Clickner","startTime":652.504,"endTime":654.112,"body":"created a lot of revenue that way."},{"speaker":"Craig Clickner","startTime":654.141,"endTime":657.141,"body":"Going into the technical aspects might"},{"speaker":"Craig Clickner","startTime":654.141,"endTime":657.141,"body":"not be as helpful for people unless"},{"speaker":"Craig Clickner","startTime":657.141,"endTime":658.717,"body":"they really want to go that direction."},{"speaker":"Craig Clickner","startTime":658.717,"endTime":660.412,"body":"But those are just some"},{"speaker":"Craig Clickner","startTime":658.717,"endTime":660.412,"body":"ways that we've done it."},{"speaker":"Craig Clickner","startTime":660.412,"endTime":663.532,"body":"And I think most people know other"},{"speaker":"Craig Clickner","startTime":660.412,"endTime":663.532,"body":"small business owners and most small"},{"speaker":"Craig Clickner","startTime":663.532,"endTime":665.482,"body":"business owners love good referrals."},{"speaker":"Craig Clickner","startTime":665.872,"endTime":666.472,"body":"And I would say."},{"speaker":"Craig Clickner","startTime":667.202,"endTime":672.212,"body":"A small business owner now consider"},{"speaker":"Craig Clickner","startTime":667.202,"endTime":672.212,"body":"giving people affiliate type programs."},{"speaker":"Craig Clickner","startTime":672.212,"endTime":674.672,"body":"So we're, co-founding a"},{"speaker":"Craig Clickner","startTime":672.212,"endTime":674.672,"body":"tech company right now."},{"speaker":"Craig Clickner","startTime":674.942,"endTime":677.897,"body":"And we have it set up that if we"},{"speaker":"Craig Clickner","startTime":674.942,"endTime":677.897,"body":"have a group of affiliates, if they"},{"speaker":"Craig Clickner","startTime":677.897,"endTime":681.347,"body":"refer people in, we'll give them"},{"speaker":"Craig Clickner","startTime":677.897,"endTime":681.347,"body":"ongoing revenue for that referral."},{"speaker":"Craig Clickner","startTime":681.527,"endTime":682.697,"body":"But they're just a contractor."},{"speaker":"Craig Clickner","startTime":682.697,"endTime":684.557,"body":"They don't have to have this big business."},{"speaker":"Craig Clickner","startTime":684.557,"endTime":685.937,"body":"Now it's a side hustle for them."},{"speaker":"Craig Clickner","startTime":685.937,"endTime":688.157,"body":"One more way to make"},{"speaker":"Craig Clickner","startTime":685.937,"endTime":688.157,"body":"income to their streams."},{"speaker":"Craig Clickner","startTime":688.337,"endTime":690.503,"body":"And everybody wins and we"},{"speaker":"Craig Clickner","startTime":688.337,"endTime":690.503,"body":"don't pay them anything."},{"speaker":"Craig Clickner","startTime":690.993,"endTime":693.603,"body":"Unless the referral actually"},{"speaker":"Craig Clickner","startTime":690.993,"endTime":693.603,"body":"comes and a client pays."},{"speaker":"Craig Clickner","startTime":693.903,"endTime":698.025,"body":"So it, I, there was a little section in"},{"speaker":"Craig Clickner","startTime":693.903,"endTime":698.025,"body":"our book, like one little part and I'm"},{"speaker":"Craig Clickner","startTime":698.025,"endTime":701.085,"body":"like, we could probably write an entire"},{"speaker":"Craig Clickner","startTime":698.025,"endTime":701.085,"body":"book just on affiliate marketing from that"},{"speaker":"Craig Clickner","startTime":701.085,"endTime":704.055,"body":"perspective, but that might be a little"},{"speaker":"Craig Clickner","startTime":701.085,"endTime":704.055,"body":"different than maybe the, some of the"},{"speaker":"Craig Clickner","startTime":704.055,"endTime":705.659,"body":"classic stuff that's happening online."},{"speaker":"Average Joe Finances","startTime":705.661,"endTime":706.261,"body":"Yeah, for sure."},{"speaker":"Average Joe Finances","startTime":706.317,"endTime":710.147,"body":"Just so you know, like I also do that"},{"speaker":"Average Joe Finances","startTime":706.317,"endTime":710.147,"body":"to myself, so I have So the podcast"},{"speaker":"Average Joe Finances","startTime":710.147,"endTime":713.807,"body":"editing team that I hired, they've"},{"speaker":"Average Joe Finances","startTime":710.147,"endTime":713.807,"body":"been absolutely phenomenal and I"},{"speaker":"Average Joe Finances","startTime":713.807,"endTime":718.127,"body":"fully onboarded them and now offer"},{"speaker":"Average Joe Finances","startTime":713.807,"endTime":718.127,"body":"that service to other podcasters."},{"speaker":"Average Joe Finances","startTime":718.127,"endTime":722.595,"body":"And I actually have an affiliation"},{"speaker":"Average Joe Finances","startTime":718.127,"endTime":722.595,"body":"link that I send out that for folks"},{"speaker":"Average Joe Finances","startTime":722.595,"endTime":726.015,"body":"that in, that liked the service and"},{"speaker":"Average Joe Finances","startTime":722.595,"endTime":726.015,"body":"want to bring other people in, they"},{"speaker":"Average Joe Finances","startTime":726.015,"endTime":728.895,"body":"can get an affiliate link and then"},{"speaker":"Average Joe Finances","startTime":726.015,"endTime":728.895,"body":"they can get paid a commission for each"},{"speaker":"Average Joe Finances","startTime":728.895,"endTime":732.885,"body":"person that they bring in that use of"},{"speaker":"Average Joe Finances","startTime":728.895,"endTime":732.885,"body":"the service, which is pretty awesome."},{"speaker":"Average Joe Finances","startTime":732.885,"endTime":733.365,"body":"So far."},{"speaker":"Average Joe Finances","startTime":733.432,"endTime":737.095,"body":"Yeah, that's definitely something that"},{"speaker":"Average Joe Finances","startTime":733.432,"endTime":737.095,"body":"works, especially as you build your"},{"speaker":"Average Joe Finances","startTime":737.095,"endTime":739.825,"body":"network, which is one of the things"},{"speaker":"Average Joe Finances","startTime":737.095,"endTime":739.825,"body":"that, that the two of you have been"},{"speaker":"Average Joe Finances","startTime":739.825,"endTime":742.296,"body":"doing, building these relationships,"},{"speaker":"Average Joe Finances","startTime":739.825,"endTime":742.296,"body":"like you said, you built these"},{"speaker":"Average Joe Finances","startTime":742.296,"endTime":744.786,"body":"relationships with these businesses and."},{"speaker":"Average Joe Finances","startTime":746.286,"endTime":749.406,"body":"That's one of the things that I've"},{"speaker":"Average Joe Finances","startTime":746.286,"endTime":749.406,"body":"loved so much about what I'm doing with"},{"speaker":"Average Joe Finances","startTime":749.406,"endTime":754.176,"body":"this podcast right now is that I get to"},{"speaker":"Average Joe Finances","startTime":749.406,"endTime":754.176,"body":"talk to amazing guests like yourselves."},{"speaker":"Average Joe Finances","startTime":754.247,"endTime":756.887,"body":"And I stay in touch with all"},{"speaker":"Average Joe Finances","startTime":754.247,"endTime":756.887,"body":"my guests after the show."},{"speaker":"Average Joe Finances","startTime":756.917,"endTime":760.757,"body":"Like after we stopped recording, I"},{"speaker":"Average Joe Finances","startTime":756.917,"endTime":760.757,"body":"stay in touch because I genuinely"},{"speaker":"Average Joe Finances","startTime":760.757,"endTime":762.767,"body":"enjoy the conversations that we have."},{"speaker":"Average Joe Finances","startTime":763.037,"endTime":765.717,"body":"It's not just a ploy to get"},{"speaker":"Average Joe Finances","startTime":763.037,"endTime":765.717,"body":"people, to listen to the show."},{"speaker":"Average Joe Finances","startTime":765.738,"endTime":766.788,"body":"I absolutely love."},{"speaker":"Average Joe Finances","startTime":767.408,"endTime":771.204,"body":"Having these conversations and it's"},{"speaker":"Average Joe Finances","startTime":767.408,"endTime":771.204,"body":"been, you can see I've been taking"},{"speaker":"Average Joe Finances","startTime":771.204,"endTime":774.704,"body":"notes while you're talking to me, this"},{"speaker":"Average Joe Finances","startTime":771.204,"endTime":774.704,"body":"is my little black book of knowledge."},{"speaker":"Average Joe Finances","startTime":775.034,"endTime":780.524,"body":"So each guest that comes on, I get these"},{"speaker":"Average Joe Finances","startTime":775.034,"endTime":780.524,"body":"little tidbits of fantastic information."},{"speaker":"Average Joe Finances","startTime":780.764,"endTime":784.244,"body":"And I've already got almost a whole"},{"speaker":"Average Joe Finances","startTime":780.764,"endTime":784.244,"body":"page from what the two of you have said."},{"speaker":"Average Joe Finances","startTime":784.544,"endTime":786.884,"body":"So yeah, I'm writing some notes about"},{"speaker":"Average Joe Finances","startTime":784.544,"endTime":786.884,"body":"what you're saying, but I'm also writing"},{"speaker":"Average Joe Finances","startTime":786.884,"endTime":790.753,"body":"notes on like different things that you're"},{"speaker":"Average Joe Finances","startTime":786.884,"endTime":790.753,"body":"saying, Hey, this is good and everything."},{"speaker":"Average Joe Finances","startTime":790.791,"endTime":791.301,"body":"Absolutely."},{"speaker":"Average Joe Finances","startTime":791.301,"endTime":791.691,"body":"Awesome."},{"speaker":"Average Joe Finances","startTime":791.691,"endTime":796.41,"body":"So you guys are, building your business"},{"speaker":"Average Joe Finances","startTime":791.691,"endTime":796.41,"body":"around building your network and"},{"speaker":"Average Joe Finances","startTime":796.41,"endTime":798.27,"body":"building relationships, which is huge."},{"speaker":"Average Joe Finances","startTime":798.54,"endTime":801.328,"body":"But on top of that, you're also"},{"speaker":"Average Joe Finances","startTime":798.54,"endTime":801.328,"body":"giving back, we talked a little bit"},{"speaker":"Average Joe Finances","startTime":801.358,"endTime":803.808,"body":"about in your background about the"},{"speaker":"Average Joe Finances","startTime":801.358,"endTime":803.808,"body":"philanthropy, and you had mentioned"},{"speaker":"Average Joe Finances","startTime":803.808,"endTime":808.608,"body":"that you guys give back, was it, you"},{"speaker":"Average Joe Finances","startTime":803.808,"endTime":808.608,"body":"said it was a children's something."},{"speaker":"Carrie Bohlig","startTime":810.198,"endTime":813.798,"body":"Yeah, so we have our"},{"speaker":"Carrie Bohlig","startTime":810.198,"endTime":813.798,"body":"nonprofit tandem giving and we've got"},{"speaker":"Carrie Bohlig","startTime":814.458,"endTime":817.968,"body":"one of the arms of that actually helps"},{"speaker":"Carrie Bohlig","startTime":814.458,"endTime":817.968,"body":"older children in the adaption process."},{"speaker":"Carrie Bohlig","startTime":817.983,"endTime":821.713,"body":"And actually on an international"},{"speaker":"Carrie Bohlig","startTime":817.983,"endTime":821.713,"body":"level and Columbia and Eastern Europe"},{"speaker":"Carrie Bohlig","startTime":821.725,"endTime":826.55,"body":"most people, if they're looking to"},{"speaker":"Carrie Bohlig","startTime":821.725,"endTime":826.55,"body":"adapt, tend to adapt younger infants,"},{"speaker":"Carrie Bohlig","startTime":826.61,"endTime":830.93,"body":"toddlers, so older children have"},{"speaker":"Carrie Bohlig","startTime":826.61,"endTime":830.93,"body":"about a 1% chance of getting adopted."},{"speaker":"Carrie Bohlig","startTime":830.93,"endTime":835.503,"body":"And once they age out of the system,"},{"speaker":"Carrie Bohlig","startTime":830.93,"endTime":835.503,"body":"they're honestly just out on the streets"},{"speaker":"Carrie Bohlig","startTime":835.503,"endTime":839.648,"body":"and very susceptible to the sex traffic"},{"speaker":"Carrie Bohlig","startTime":835.503,"endTime":839.648,"body":"industry, drug trade, all of that."},{"speaker":"Carrie Bohlig","startTime":839.648,"endTime":842.738,"body":"So with some of the grants and"},{"speaker":"Carrie Bohlig","startTime":839.648,"endTime":842.738,"body":"monies that we're able to help"},{"speaker":"Carrie Bohlig","startTime":842.918,"endTime":844.688,"body":"support families who are looking to."},{"speaker":"Carrie Bohlig","startTime":845.453,"endTime":845.993,"body":"Adapt."},{"speaker":"Carrie Bohlig","startTime":845.993,"endTime":850.463,"body":"It actually increases the chances of"},{"speaker":"Carrie Bohlig","startTime":845.993,"endTime":850.463,"body":"about 70% for some of these children."},{"speaker":"Carrie Bohlig","startTime":850.463,"endTime":853.733,"body":"So it's been a really neat"},{"speaker":"Carrie Bohlig","startTime":850.463,"endTime":853.733,"body":"organization to feed into."},{"speaker":"Carrie Bohlig","startTime":854.033,"endTime":858.803,"body":"And our goal is as we build up the funds"},{"speaker":"Carrie Bohlig","startTime":854.033,"endTime":858.803,"body":"to be able to have some of that actually"},{"speaker":"Carrie Bohlig","startTime":858.803,"endTime":862.523,"body":"go towards more of an endowment fund"},{"speaker":"Carrie Bohlig","startTime":858.803,"endTime":862.523,"body":"where the interest on the money will"},{"speaker":"Carrie Bohlig","startTime":862.523,"endTime":864.173,"body":"actually create more perpetual giving."},{"speaker":"Carrie Bohlig","startTime":864.173,"endTime":867.653,"body":"So we like to talk about ongoing"},{"speaker":"Carrie Bohlig","startTime":864.173,"endTime":867.653,"body":"income, but perpetual giving ongoing"},{"speaker":"Carrie Bohlig","startTime":867.653,"endTime":868.973,"body":"giving is also really the vision."},{"speaker":"Average Joe Finances","startTime":870.563,"endTime":870.743,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":870.743,"endTime":873.953,"body":"So it's almost like a compound"},{"speaker":"Average Joe Finances","startTime":870.743,"endTime":873.953,"body":"interest effect on what"},{"speaker":"Average Joe Finances","startTime":873.953,"endTime":875.644,"body":"you're giving back to do them."},{"speaker":"Average Joe Finances","startTime":875.662,"endTime":876.172,"body":"So that's awesome."},{"speaker":"Average Joe Finances","startTime":876.202,"endTime":876.962,"body":"So it's called tandem."},{"speaker":"Average Joe Finances","startTime":876.983,"endTime":880.386,"body":"I definitely want to have a tidbit"},{"speaker":"Average Joe Finances","startTime":876.983,"endTime":880.386,"body":"of that in my show notes for anybody"},{"speaker":"Average Joe Finances","startTime":880.386,"endTime":883.71,"body":"that wants to check it out and maybe"},{"speaker":"Average Joe Finances","startTime":880.386,"endTime":883.71,"body":"help give a little bit to that."},{"speaker":"Average Joe Finances","startTime":883.71,"endTime":886.441,"body":"Cause that's amazing because, and I"},{"speaker":"Average Joe Finances","startTime":883.71,"endTime":886.441,"body":"know this is like off topic a bit,"},{"speaker":"Average Joe Finances","startTime":886.508,"endTime":889.5,"body":"when it comes to, children's so"},{"speaker":"Average Joe Finances","startTime":886.508,"endTime":889.5,"body":"I have two daughters right there."},{"speaker":"Average Joe Finances","startTime":889.53,"endTime":891.69,"body":"They mean the world to me and."},{"speaker":"Average Joe Finances","startTime":891.796,"endTime":894.487,"body":"When it comes to I think about the age"},{"speaker":"Average Joe Finances","startTime":891.796,"endTime":894.487,"body":"that they're at right now, they're a"},{"speaker":"Average Joe Finances","startTime":894.487,"endTime":898.326,"body":"little bit older now and it's, if they"},{"speaker":"Average Joe Finances","startTime":894.487,"endTime":898.326,"body":"were in a situation like that and,"},{"speaker":"Average Joe Finances","startTime":898.326,"endTime":901.111,"body":"having to be stuck in foster homes or,"},{"speaker":"Average Joe Finances","startTime":898.326,"endTime":901.111,"body":"and, different things where they're"},{"speaker":"Average Joe Finances","startTime":901.111,"endTime":904.925,"body":"not getting the opportunity to have a"},{"speaker":"Average Joe Finances","startTime":901.111,"endTime":904.925,"body":"loving family, there's so many children"},{"speaker":"Average Joe Finances","startTime":904.925,"endTime":909.095,"body":"that are in their pre-teens early"},{"speaker":"Average Joe Finances","startTime":904.925,"endTime":909.095,"body":"teens that don't get that opportunity."},{"speaker":"Average Joe Finances","startTime":909.095,"endTime":910.215,"body":"And that really is a shame."},{"speaker":"Average Joe Finances","startTime":910.215,"endTime":912.058,"body":"Programs like that kind"},{"speaker":"Average Joe Finances","startTime":910.215,"endTime":912.058,"body":"of speak to my heart."},{"speaker":"Average Joe Finances","startTime":912.058,"endTime":913.707,"body":"So I just want to say that's amazing guys."},{"speaker":"Average Joe Finances","startTime":913.707,"endTime":915.177,"body":"Thank you for doing what you do with that."},{"speaker":"Average Joe Finances","startTime":915.717,"endTime":916.167,"body":"Yeah."},{"speaker":"Carrie Bohlig","startTime":916.249,"endTime":917.389,"body":"We're"},{"speaker":"Carrie Bohlig","startTime":916.249,"endTime":917.389,"body":"just getting warmed up."},{"speaker":"Carrie Bohlig","startTime":917.419,"endTime":919.67,"body":"The vision is pretty big"},{"speaker":"Carrie Bohlig","startTime":917.419,"endTime":919.67,"body":"and like you talked about."},{"speaker":"Carrie Bohlig","startTime":920.45,"endTime":921.92,"body":"Association for children."},{"speaker":"Carrie Bohlig","startTime":921.92,"endTime":926.5,"body":"If people don't have a family association,"},{"speaker":"Carrie Bohlig","startTime":921.92,"endTime":926.5,"body":"so much of our success is a function of"},{"speaker":"Carrie Bohlig","startTime":926.5,"endTime":928.21,"body":"the people that we've associated with."},{"speaker":"Carrie Bohlig","startTime":928.21,"endTime":931.748,"body":"So when children don't even have"},{"speaker":"Carrie Bohlig","startTime":928.21,"endTime":931.748,"body":"like families that have a healthy"},{"speaker":"Carrie Bohlig","startTime":931.748,"endTime":935.168,"body":"base, it's just, it's an important"},{"speaker":"Carrie Bohlig","startTime":931.748,"endTime":935.168,"body":"thing to address and try to work"},{"speaker":"Carrie Bohlig","startTime":935.168,"endTime":936.458,"body":"towards change and progress."},{"speaker":"Average Joe Finances","startTime":938.153,"endTime":939.293,"body":"Yeah, absolutely."},{"speaker":"Average Joe Finances","startTime":939.345,"endTime":942.705,"body":"Okay, so I'm going to try to drive"},{"speaker":"Average Joe Finances","startTime":939.345,"endTime":942.705,"body":"it back on top of a little bit."},{"speaker":"Average Joe Finances","startTime":942.769,"endTime":945.075,"body":"But yeah, that is definitely that's"},{"speaker":"Average Joe Finances","startTime":942.769,"endTime":945.075,"body":"something that we could probably have"},{"speaker":"Average Joe Finances","startTime":945.075,"endTime":948.915,"body":"a whole other podcast episode about not"},{"speaker":"Average Joe Finances","startTime":945.075,"endTime":948.915,"body":"necessarily on this podcast, but you guys"},{"speaker":"Average Joe Finances","startTime":948.915,"endTime":950.325,"body":"got a lot of things you could talk about."},{"speaker":"Average Joe Finances","startTime":950.363,"endTime":953.843,"body":"There's probably a couple of moments"},{"speaker":"Average Joe Finances","startTime":950.363,"endTime":953.843,"body":"podcasts you can go on and all that"},{"speaker":"Average Joe Finances","startTime":954.383,"endTime":955.973,"body":"we were talking about that yesterday."},{"speaker":"Average Joe Finances","startTime":956.903,"endTime":956.976,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":957.047,"endTime":958.097,"body":"I want to bring it back a little bit."},{"speaker":"Average Joe Finances","startTime":958.097,"endTime":962.207,"body":"So what, how did you guys get"},{"speaker":"Average Joe Finances","startTime":958.097,"endTime":962.207,"body":"started into public speaking?"},{"speaker":"Average Joe Finances","startTime":962.207,"endTime":964.116,"body":"Like what was like your first engagement?"},{"speaker":"Average Joe Finances","startTime":964.18,"endTime":964.965,"body":"And how did that go?"},{"speaker":"Craig Clickner","startTime":966.75,"endTime":966.99,"body":"Yeah."},{"speaker":"Craig Clickner","startTime":966.99,"endTime":971.439,"body":"So I think what's nice about, direct"},{"speaker":"Craig Clickner","startTime":966.99,"endTime":971.439,"body":"sales or the network marketing industry"},{"speaker":"Craig Clickner","startTime":971.439,"endTime":974.379,"body":"is you have to slowly build up and"},{"speaker":"Craig Clickner","startTime":971.439,"endTime":974.379,"body":"you have to start to work on your"},{"speaker":"Craig Clickner","startTime":974.379,"endTime":978.459,"body":"communication skills and be able to"},{"speaker":"Craig Clickner","startTime":974.379,"endTime":978.459,"body":"communicate effectively and answer"},{"speaker":"Craig Clickner","startTime":978.459,"endTime":980.396,"body":"questions and in a one-on-one setting."},{"speaker":"Craig Clickner","startTime":980.396,"endTime":984.138,"body":"And so many people are very afraid"},{"speaker":"Craig Clickner","startTime":980.396,"endTime":984.138,"body":"of public speaking, myself included."},{"speaker":"Craig Clickner","startTime":984.158,"endTime":986.768,"body":"I had a professor come up to me in"},{"speaker":"Craig Clickner","startTime":984.158,"endTime":986.768,"body":"college after I freaked out during"},{"speaker":"Craig Clickner","startTime":986.768,"endTime":988.778,"body":"a college speech and literally"},{"speaker":"Craig Clickner","startTime":986.768,"endTime":988.778,"body":"said, Hey, don't worry about it."},{"speaker":"Craig Clickner","startTime":988.778,"endTime":989.888,"body":"Public speaking is not your thing."},{"speaker":"Craig Clickner","startTime":990.448,"endTime":994.052,"body":"And now here we are like 15 years"},{"speaker":"Craig Clickner","startTime":990.448,"endTime":994.052,"body":"later, we speak to 20,000 people a"},{"speaker":"Craig Clickner","startTime":994.052,"endTime":995.942,"body":"year, in non COVID times, obviously."},{"speaker":"Craig Clickner","startTime":996.212,"endTime":996.992,"body":"And it's like fun."},{"speaker":"Craig Clickner","startTime":996.992,"endTime":997.697,"body":"It's no big deal."},{"speaker":"Craig Clickner","startTime":997.697,"endTime":998.357,"body":"It's a strength."},{"speaker":"Craig Clickner","startTime":998.717,"endTime":1002.863,"body":"But the challenge for most people is"},{"speaker":"Craig Clickner","startTime":998.717,"endTime":1002.863,"body":"they never get into an environment"},{"speaker":"Craig Clickner","startTime":1002.863,"endTime":1004.123,"body":"where they have to do it regularly."},{"speaker":"Craig Clickner","startTime":1004.198,"endTime":1006.148,"body":"And so then they never"},{"speaker":"Craig Clickner","startTime":1004.198,"endTime":1006.148,"body":"developed the confidence."},{"speaker":"Craig Clickner","startTime":1006.148,"endTime":1009.878,"body":"It's if you only had to drive once"},{"speaker":"Craig Clickner","startTime":1006.148,"endTime":1009.878,"body":"a year, like all day, the whole"},{"speaker":"Craig Clickner","startTime":1009.878,"endTime":1012.158,"body":"week before you're going like, oh"},{"speaker":"Craig Clickner","startTime":1009.878,"endTime":1012.158,"body":"my gosh, I got to drive tomorrow."},{"speaker":"Craig Clickner","startTime":1012.158,"endTime":1014.708,"body":"But when you drive daily, it"},{"speaker":"Craig Clickner","startTime":1012.158,"endTime":1014.708,"body":"just becomes like this habit."},{"speaker":"Craig Clickner","startTime":1014.774,"endTime":1018.534,"body":"And so I think a big part of public"},{"speaker":"Craig Clickner","startTime":1014.774,"endTime":1018.534,"body":"speaking is getting into an environment."},{"speaker":"Craig Clickner","startTime":1018.549,"endTime":1021.782,"body":"And there's a lot of different small"},{"speaker":"Craig Clickner","startTime":1018.549,"endTime":1021.782,"body":"groups or networking groups, everything"},{"speaker":"Craig Clickner","startTime":1021.782,"endTime":1025.252,"body":"from be an, I don't know if they have"},{"speaker":"Craig Clickner","startTime":1021.782,"endTime":1025.252,"body":"that in Hawaii to like something less"},{"speaker":"Craig Clickner","startTime":1025.252,"endTime":1030.022,"body":"formalized to Toastmasters, to other"},{"speaker":"Craig Clickner","startTime":1025.252,"endTime":1030.022,"body":"types of organizations that you can be a"},{"speaker":"Craig Clickner","startTime":1030.022,"endTime":1031.972,"body":"part of where you just get a feel for it."},{"speaker":"Craig Clickner","startTime":1031.972,"endTime":1035.632,"body":"And there's maybe not this high risk"},{"speaker":"Craig Clickner","startTime":1031.972,"endTime":1035.632,"body":"performance, like in a job where now"},{"speaker":"Craig Clickner","startTime":1035.632,"endTime":1037.102,"body":"you have to do this big presentation."},{"speaker":"Craig Clickner","startTime":1037.102,"endTime":1037.642,"body":"You're nervous."},{"speaker":"Craig Clickner","startTime":1037.642,"endTime":1041.33,"body":"It's very corporate and there's all these"},{"speaker":"Craig Clickner","startTime":1037.642,"endTime":1041.33,"body":"PowerPoints and You can't really relax."},{"speaker":"Craig Clickner","startTime":1041.361,"endTime":1045.395,"body":"I think that's really where we got to go"},{"speaker":"Craig Clickner","startTime":1041.361,"endTime":1045.395,"body":"and then doing it over and over and over"},{"speaker":"Craig Clickner","startTime":1045.395,"endTime":1047.015,"body":"again, starts to work out the nerves."},{"speaker":"Craig Clickner","startTime":1047.015,"endTime":1050.705,"body":"Cause most people are so freaked out"},{"speaker":"Craig Clickner","startTime":1047.015,"endTime":1050.705,"body":"that they can't actually be themselves."},{"speaker":"Craig Clickner","startTime":1050.795,"endTime":1051.545,"body":"So you have to do it enough."},{"speaker":"Craig Clickner","startTime":1051.545,"endTime":1055.295,"body":"You get through the nerves, then you can"},{"speaker":"Craig Clickner","startTime":1051.545,"endTime":1055.295,"body":"focus on content and not only covering."},{"speaker":"Craig Clickner","startTime":1055.925,"endTime":1060.305,"body":"But how you deliver a message, especially"},{"speaker":"Craig Clickner","startTime":1055.925,"endTime":1060.305,"body":"in the public speaking game is just"},{"speaker":"Craig Clickner","startTime":1060.305,"endTime":1062.165,"body":"as important as the content itself."},{"speaker":"Craig Clickner","startTime":1062.555,"endTime":1065.438,"body":"Because if you can't hold people's"},{"speaker":"Craig Clickner","startTime":1062.555,"endTime":1065.438,"body":"attention then you lose folks."},{"speaker":"Craig Clickner","startTime":1065.438,"endTime":1069.488,"body":"So we tried to dial in, I think, pretty"},{"speaker":"Craig Clickner","startTime":1065.438,"endTime":1069.488,"body":"early on in people who were good at"},{"speaker":"Craig Clickner","startTime":1069.488,"endTime":1074.961,"body":"it and people who sucked at it and"},{"speaker":"Craig Clickner","startTime":1069.488,"endTime":1074.961,"body":"wow, Like, why do I zone out what some"},{"speaker":"Craig Clickner","startTime":1074.961,"endTime":1079.281,"body":"professors or whoever, like you can't"},{"speaker":"Craig Clickner","startTime":1074.961,"endTime":1079.281,"body":"follow them for five minutes, like why?"},{"speaker":"Craig Clickner","startTime":1079.521,"endTime":1082.521,"body":"And then other people they start"},{"speaker":"Craig Clickner","startTime":1079.521,"endTime":1082.521,"body":"talking and you're just dialed in."},{"speaker":"Craig Clickner","startTime":1082.56,"endTime":1084.09,"body":"You could hear every word for an hour."},{"speaker":"Craig Clickner","startTime":1084.09,"endTime":1087.36,"body":"It's like why, when you can answer"},{"speaker":"Craig Clickner","startTime":1084.09,"endTime":1087.36,"body":"those questions and start to replicate"},{"speaker":"Craig Clickner","startTime":1087.36,"endTime":1091.23,"body":"it through practice, I think a lot"},{"speaker":"Craig Clickner","startTime":1087.36,"endTime":1091.23,"body":"more people could be brilliant public"},{"speaker":"Craig Clickner","startTime":1091.23,"endTime":1095.01,"body":"speakers and oratories if they have"},{"speaker":"Craig Clickner","startTime":1091.23,"endTime":1095.01,"body":"again, if they have the environment right."},{"speaker":"Craig Clickner","startTime":1095.01,"endTime":1095.97,"body":"And good examples"},{"speaker":"Carrie Bohlig","startTime":1096.03,"endTime":1097.29,"body":"and willing"},{"speaker":"Carrie Bohlig","startTime":1096.03,"endTime":1097.29,"body":"to put the work in."},{"speaker":"Carrie Bohlig","startTime":1097.337,"endTime":1100.278,"body":"And one thing that's been really"},{"speaker":"Carrie Bohlig","startTime":1097.337,"endTime":1100.278,"body":"cool is We haven't really leveraged"},{"speaker":"Carrie Bohlig","startTime":1100.278,"endTime":1102.108,"body":"social media to build our businesses."},{"speaker":"Carrie Bohlig","startTime":1102.108,"endTime":1107.028,"body":"The first decade, it was all hand to hand"},{"speaker":"Carrie Bohlig","startTime":1102.108,"endTime":1107.028,"body":"networking and kind of old school style"},{"speaker":"Carrie Bohlig","startTime":1107.031,"endTime":1109.493,"body":"grassroots, but the last two and a half."},{"speaker":"Carrie Bohlig","startTime":1109.493,"endTime":1114.677,"body":"We've gotten on social media and just"},{"speaker":"Carrie Bohlig","startTime":1109.493,"endTime":1114.677,"body":"done a lot of video content creation."},{"speaker":"Carrie Bohlig","startTime":1114.737,"endTime":1118.625,"body":"And I can say that even though I'd been"},{"speaker":"Carrie Bohlig","startTime":1114.737,"endTime":1118.625,"body":"speaking for many years prior to that,"},{"speaker":"Carrie Bohlig","startTime":1118.625,"endTime":1122.915,"body":"just like one minute clips on social media"},{"speaker":"Carrie Bohlig","startTime":1118.625,"endTime":1122.915,"body":"have actually helped me elevate my public"},{"speaker":"Carrie Bohlig","startTime":1122.915,"endTime":1125.915,"body":"speaking game in a very fun, exciting way."},{"speaker":"Carrie Bohlig","startTime":1126.615,"endTime":1131.145,"body":"Maybe somebody doesn't live in a city"},{"speaker":"Carrie Bohlig","startTime":1126.615,"endTime":1131.145,"body":"with a speaker's bureau or like a good"},{"speaker":"Carrie Bohlig","startTime":1131.145,"endTime":1134.775,"body":"networking group to help them with"},{"speaker":"Carrie Bohlig","startTime":1131.145,"endTime":1134.775,"body":"those skills, jump on social media and"},{"speaker":"Carrie Bohlig","startTime":1134.775,"endTime":1139.185,"body":"start to consistently put some content"},{"speaker":"Carrie Bohlig","startTime":1134.775,"endTime":1139.185,"body":"out because that in itself is a really"},{"speaker":"Carrie Bohlig","startTime":1139.185,"endTime":1143.925,"body":"good feedback loop to just see a video"},{"speaker":"Carrie Bohlig","startTime":1139.185,"endTime":1143.925,"body":"clip of yourself and home the scale."},{"speaker":"Carrie Bohlig","startTime":1144.015,"endTime":1145.875,"body":"And as you do that, then you can scale up."},{"speaker":"Carrie Bohlig","startTime":1145.905,"endTime":1148.605,"body":"Maybe you work to do"},{"speaker":"Carrie Bohlig","startTime":1145.905,"endTime":1148.605,"body":"some free speaking gigs."},{"speaker":"Carrie Bohlig","startTime":1148.635,"endTime":1150.855,"body":"Maybe then over time,"},{"speaker":"Carrie Bohlig","startTime":1148.635,"endTime":1150.855,"body":"you start to charge more."},{"speaker":"Carrie Bohlig","startTime":1151.155,"endTime":1154.425,"body":"And for Craig and I, we were actually"},{"speaker":"Carrie Bohlig","startTime":1151.155,"endTime":1154.425,"body":"one of our most fun speaking trips was"},{"speaker":"Carrie Bohlig","startTime":1154.425,"endTime":1155.865,"body":"actually an invitation to Australia."},{"speaker":"Carrie Bohlig","startTime":1155.906,"endTime":1159.581,"body":"Where we spoke to probably a couple"},{"speaker":"Carrie Bohlig","startTime":1155.906,"endTime":1159.581,"body":"thousand entrepreneurs for a weekend."},{"speaker":"Carrie Bohlig","startTime":1159.611,"endTime":1163.871,"body":"But what was neat is that we were halfway"},{"speaker":"Carrie Bohlig","startTime":1159.611,"endTime":1163.871,"body":"across the world, really across the world."},{"speaker":"Carrie Bohlig","startTime":1164.021,"endTime":1167.561,"body":"We brought our kids, all our"},{"speaker":"Carrie Bohlig","startTime":1164.021,"endTime":1167.561,"body":"siblings, both sets of our parents,"},{"speaker":"Carrie Bohlig","startTime":1167.561,"endTime":1169.331,"body":"and we don't have traditional jobs."},{"speaker":"Carrie Bohlig","startTime":1169.331,"endTime":1171.101,"body":"So we said, let's take"},{"speaker":"Carrie Bohlig","startTime":1169.331,"endTime":1171.101,"body":"the rest of the month."},{"speaker":"Carrie Bohlig","startTime":1171.131,"endTime":1171.791,"body":"It was February."},{"speaker":"Carrie Bohlig","startTime":1172.441,"endTime":1174.721,"body":"Winter and Wisconsin said,"},{"speaker":"Carrie Bohlig","startTime":1172.441,"endTime":1174.721,"body":"let's just travel around"},{"speaker":"Carrie Bohlig","startTime":1174.721,"endTime":1176.401,"body":"Australia, do up New Zealand."},{"speaker":"Carrie Bohlig","startTime":1176.401,"endTime":1181.34,"body":"And for me as a teacher, that was like"},{"speaker":"Carrie Bohlig","startTime":1176.401,"endTime":1181.34,"body":"the ultimate lifestyle I envisioned"},{"speaker":"Carrie Bohlig","startTime":1181.35,"endTime":1184.98,"body":"like at 22, when I was missing"},{"speaker":"Carrie Bohlig","startTime":1181.35,"endTime":1184.98,"body":"happy hours, I wasn't going on every"},{"speaker":"Carrie Bohlig","startTime":1184.98,"endTime":1186.72,"body":"camping trip weekend with my buddies."},{"speaker":"Carrie Bohlig","startTime":1186.72,"endTime":1191.314,"body":"It's I want to work so hard in my"},{"speaker":"Carrie Bohlig","startTime":1186.72,"endTime":1191.314,"body":"twenties and build something so strong"},{"speaker":"Carrie Bohlig","startTime":1191.314,"endTime":1195.633,"body":"and build me but I can monetize what"},{"speaker":"Carrie Bohlig","startTime":1191.314,"endTime":1195.633,"body":"I know and get paid to go live out my"},{"speaker":"Carrie Bohlig","startTime":1195.633,"endTime":1199.138,"body":"dream and travel with my family and"},{"speaker":"Carrie Bohlig","startTime":1195.633,"endTime":1199.138,"body":"see beautiful places around the world."},{"speaker":"Carrie Bohlig","startTime":1199.138,"endTime":1202.337,"body":"And a lot of people are thinking"},{"speaker":"Carrie Bohlig","startTime":1199.138,"endTime":1202.337,"body":"like widgets and products, but think"},{"speaker":"Carrie Bohlig","startTime":1202.337,"endTime":1204.047,"body":"about growing yourself as a product."},{"speaker":"Carrie Bohlig","startTime":1204.047,"endTime":1206.597,"body":"So you can productize"},{"speaker":"Carrie Bohlig","startTime":1204.047,"endTime":1206.597,"body":"your knowledge over time."},{"speaker":"Average Joe Finances","startTime":1207.437,"endTime":1208.037,"body":"I like that."},{"speaker":"Average Joe Finances","startTime":1208.097,"endTime":1208.487,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1209.027,"endTime":1212.081,"body":"You think of yourself as a product,"},{"speaker":"Average Joe Finances","startTime":1209.027,"endTime":1212.081,"body":"and monetize your skillset."},{"speaker":"Average Joe Finances","startTime":1212.081,"endTime":1212.658,"body":"That's phenomenal."},{"speaker":"Average Joe Finances","startTime":1212.658,"endTime":1216.174,"body":"Going back to what you were talking"},{"speaker":"Average Joe Finances","startTime":1212.658,"endTime":1216.174,"body":"about to Craig, watching, good"},{"speaker":"Average Joe Finances","startTime":1216.174,"endTime":1220.734,"body":"public speakers and some not so"},{"speaker":"Average Joe Finances","startTime":1216.174,"endTime":1220.734,"body":"good ones, you realize that you can"},{"speaker":"Average Joe Finances","startTime":1220.734,"endTime":1223.234,"body":"learn something from both of them."},{"speaker":"Average Joe Finances","startTime":1223.234,"endTime":1226.398,"body":"You learn what not to do from"},{"speaker":"Average Joe Finances","startTime":1223.234,"endTime":1226.398,"body":"the ones that suck at it."},{"speaker":"Average Joe Finances","startTime":1226.417,"endTime":1227.197,"body":"It's the same thing."},{"speaker":"Average Joe Finances","startTime":1227.29,"endTime":1228.603,"body":"I go through this at work as well."},{"speaker":"Average Joe Finances","startTime":1228.632,"endTime":1231.565,"body":"So being in the military, excuse"},{"speaker":"Average Joe Finances","startTime":1228.632,"endTime":1231.565,"body":"me, being in the military, I"},{"speaker":"Average Joe Finances","startTime":1231.565,"endTime":1233.112,"body":"often am, dealing with some."},{"speaker":"Average Joe Finances","startTime":1233.862,"endTime":1234.642,"body":"Fantastic."},{"speaker":"Average Joe Finances","startTime":1234.642,"endTime":1237.432,"body":"Phenomenal leaders and"},{"speaker":"Average Joe Finances","startTime":1234.642,"endTime":1237.432,"body":"someones that are not so great."},{"speaker":"Average Joe Finances","startTime":1237.852,"endTime":1241.422,"body":"And I found that I've learned more"},{"speaker":"Average Joe Finances","startTime":1237.852,"endTime":1241.422,"body":"and was able to hone my leadership"},{"speaker":"Average Joe Finances","startTime":1241.422,"endTime":1245.303,"body":"style based off of the, not so"},{"speaker":"Average Joe Finances","startTime":1241.422,"endTime":1245.303,"body":"good ones than the good ones."},{"speaker":"Average Joe Finances","startTime":1245.357,"endTime":1249.887,"body":"It's easy to pick apart and take"},{"speaker":"Average Joe Finances","startTime":1245.357,"endTime":1249.887,"body":"successful skillsets and try to"},{"speaker":"Average Joe Finances","startTime":1249.887,"endTime":1251.458,"body":"attain them as your own and use it."},{"speaker":"Average Joe Finances","startTime":1251.458,"endTime":1256.24,"body":"It's not as easy to look at what people"},{"speaker":"Average Joe Finances","startTime":1251.458,"endTime":1256.24,"body":"are doing wrong and say, okay, I'm going"},{"speaker":"Average Joe Finances","startTime":1256.24,"endTime":1259.22,"body":"to force myself to not be that or not."},{"speaker":"Average Joe Finances","startTime":1260.125,"endTime":1260.875,"body":"I still have trouble."},{"speaker":"Average Joe Finances","startTime":1260.875,"endTime":1266.004,"body":"Like when I'm speaking of not having these"},{"speaker":"Average Joe Finances","startTime":1260.875,"endTime":1266.004,"body":"auditory pauses in there, like with my ums"},{"speaker":"Average Joe Finances","startTime":1266.004,"endTime":1270.745,"body":"and AHS, and saying and and things like"},{"speaker":"Average Joe Finances","startTime":1266.004,"endTime":1270.745,"body":"that, I try to be mindful of it, but I try"},{"speaker":"Average Joe Finances","startTime":1270.745,"endTime":1274.5,"body":"not to let it get in the back of my mind,"},{"speaker":"Average Joe Finances","startTime":1270.745,"endTime":1274.5,"body":"because if I think about it too much it'll"},{"speaker":"Average Joe Finances","startTime":1274.5,"endTime":1276.42,"body":"pause me up and I'll, it'll mess me up."},{"speaker":"Average Joe Finances","startTime":1276.423,"endTime":1279.225,"body":"Going into all that, communication"},{"speaker":"Average Joe Finances","startTime":1276.423,"endTime":1279.225,"body":"skills, like you said, it's"},{"speaker":"Average Joe Finances","startTime":1279.225,"endTime":1280.395,"body":"super important, right?"},{"speaker":"Average Joe Finances","startTime":1280.425,"endTime":1281.025,"body":"No, no matter what."},{"speaker":"Average Joe Finances","startTime":1281.91,"endTime":1284.55,"body":"No matter what field you're going"},{"speaker":"Average Joe Finances","startTime":1281.91,"endTime":1284.55,"body":"into, what you're trying to do."},{"speaker":"Average Joe Finances","startTime":1284.79,"endTime":1286.98,"body":"You need to be able to communicate"},{"speaker":"Average Joe Finances","startTime":1284.79,"endTime":1286.98,"body":"whether you're gonna public speak or"},{"speaker":"Average Joe Finances","startTime":1286.98,"endTime":1290.1,"body":"not, whatever you're going to do as an"},{"speaker":"Average Joe Finances","startTime":1286.98,"endTime":1290.1,"body":"entrepreneur, you need to be able to"},{"speaker":"Average Joe Finances","startTime":1290.1,"endTime":1292.629,"body":"speak and I guess sell yourself right."},{"speaker":"Carrie Bohlig","startTime":1292.658,"endTime":1295.153,"body":"And even if you're"},{"speaker":"Carrie Bohlig","startTime":1292.658,"endTime":1295.153,"body":"like an engineer and you know how"},{"speaker":"Carrie Bohlig","startTime":1295.153,"endTime":1299.137,"body":"to public speak, man yourself,"},{"speaker":"Carrie Bohlig","startTime":1295.153,"endTime":1299.137,"body":"Increased or you're an accountant"},{"speaker":"Carrie Bohlig","startTime":1299.167,"endTime":1300.907,"body":"who also knows how to public speak."},{"speaker":"Carrie Bohlig","startTime":1301.237,"endTime":1304.417,"body":"You can then develop into"},{"speaker":"Carrie Bohlig","startTime":1301.237,"endTime":1304.417,"body":"different roles that pay more."},{"speaker":"Carrie Bohlig","startTime":1304.476,"endTime":1305.886,"body":"You just become so much more dynamic."},{"speaker":"Carrie Bohlig","startTime":1306.486,"endTime":1306.666,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1306.666,"endTime":1308.616,"body":"You're going to"},{"speaker":"Average Joe Finances","startTime":1306.666,"endTime":1308.616,"body":"be the person that they go to that,"},{"speaker":"Average Joe Finances","startTime":1308.616,"endTime":1311.656,"body":"that they say, Hey, we have an event"},{"speaker":"Average Joe Finances","startTime":1308.616,"endTime":1311.656,"body":"coming up and we need somebody that can"},{"speaker":"Average Joe Finances","startTime":1311.656,"endTime":1314.186,"body":"speak spark smartly on, on this topic."},{"speaker":"Average Joe Finances","startTime":1314.191,"endTime":1315.001,"body":"Can you help us out?"},{"speaker":"Average Joe Finances","startTime":1315.039,"endTime":1317.536,"body":"And it's just another opportunity"},{"speaker":"Average Joe Finances","startTime":1315.039,"endTime":1317.536,"body":"for you to showcase your."},{"speaker":"Average Joe Finances","startTime":1317.571,"endTime":1321.093,"body":"And like you said, like you guys"},{"speaker":"Average Joe Finances","startTime":1317.571,"endTime":1321.093,"body":"started this off as a side gig"},{"speaker":"Average Joe Finances","startTime":1321.393,"endTime":1324.553,"body":"before it became your full time job."},{"speaker":"Average Joe Finances","startTime":1324.624,"endTime":1327.182,"body":"And this is just one of the"},{"speaker":"Average Joe Finances","startTime":1324.624,"endTime":1327.182,"body":"things that you guys are doing."},{"speaker":"Average Joe Finances","startTime":1327.21,"endTime":1329.22,"body":"And being able to go"},{"speaker":"Average Joe Finances","startTime":1327.21,"endTime":1329.22,"body":"out and speak publicly."},{"speaker":"Average Joe Finances","startTime":1330.495,"endTime":1333.315,"body":"It's one of the things I enjoy about"},{"speaker":"Average Joe Finances","startTime":1330.495,"endTime":1333.315,"body":"this podcast as well, is being able"},{"speaker":"Average Joe Finances","startTime":1333.315,"endTime":1336.746,"body":"to talk to this audience, and be able"},{"speaker":"Average Joe Finances","startTime":1333.315,"endTime":1336.746,"body":"to get the message out there and be"},{"speaker":"Average Joe Finances","startTime":1336.746,"endTime":1338.276,"body":"able to share a message like yours."},{"speaker":"Average Joe Finances","startTime":1338.316,"endTime":1340.756,"body":"This is another opportunity, like"},{"speaker":"Average Joe Finances","startTime":1338.316,"endTime":1340.756,"body":"you said, you do those little"},{"speaker":"Average Joe Finances","startTime":1340.756,"endTime":1343.846,"body":"clips online and you watch yourself"},{"speaker":"Average Joe Finances","startTime":1340.756,"endTime":1343.846,"body":"and you can critique yourself."},{"speaker":"Average Joe Finances","startTime":1344.206,"endTime":1347.714,"body":"I listen to all my podcasts episodes"},{"speaker":"Average Joe Finances","startTime":1344.206,"endTime":1347.714,"body":"after they're recorded, even after my"},{"speaker":"Average Joe Finances","startTime":1347.744,"endTime":1350.924,"body":"editing team has edited it and sent it"},{"speaker":"Average Joe Finances","startTime":1347.744,"endTime":1350.924,"body":"back to me, I'll sit there and listen to"},{"speaker":"Average Joe Finances","startTime":1350.924,"endTime":1354.579,"body":"it and say, this is probably something"},{"speaker":"Average Joe Finances","startTime":1350.924,"endTime":1354.579,"body":"I could do better next time or, I do,"},{"speaker":"Average Joe Finances","startTime":1354.579,"endTime":1359.739,"body":"I criticize myself and I take notes on"},{"speaker":"Average Joe Finances","startTime":1354.579,"endTime":1359.739,"body":"myself as well, because the goal is to"},{"speaker":"Average Joe Finances","startTime":1359.739,"endTime":1363.189,"body":"always get yourself a little bit better"},{"speaker":"Average Joe Finances","startTime":1359.739,"endTime":1363.189,"body":"every day, because if you're doing"},{"speaker":"Average Joe Finances","startTime":1363.189,"endTime":1365.079,"body":"that, you're going to be unstoppable."},{"speaker":"Average Joe Finances","startTime":1365.086,"endTime":1365.465,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":1365.488,"endTime":1366.778,"body":"This is fantastic stuff."},{"speaker":"Average Joe Finances","startTime":1366.79,"endTime":1369.756,"body":"You guys, and, There's so many"},{"speaker":"Average Joe Finances","startTime":1366.79,"endTime":1369.756,"body":"things I want to ask you based"},{"speaker":"Average Joe Finances","startTime":1369.756,"endTime":1370.956,"body":"off of what we just talked about."},{"speaker":"Average Joe Finances","startTime":1370.978,"endTime":1373.525,"body":"Creating relationships, so I want"},{"speaker":"Average Joe Finances","startTime":1370.978,"endTime":1373.525,"body":"to talk about that a little bit."},{"speaker":"Average Joe Finances","startTime":1373.525,"endTime":1376.684,"body":"So you got into public speaking, when"},{"speaker":"Average Joe Finances","startTime":1373.525,"endTime":1376.684,"body":"you're talking about the network that you"},{"speaker":"Average Joe Finances","startTime":1376.684,"endTime":1380.074,"body":"built, you created these relationships"},{"speaker":"Average Joe Finances","startTime":1376.684,"endTime":1380.074,"body":"with these different business partners."},{"speaker":"Average Joe Finances","startTime":1380.884,"endTime":1386.014,"body":"What was it, or what drove you to be"},{"speaker":"Average Joe Finances","startTime":1380.884,"endTime":1386.014,"body":"able to reach out to somebody and say,"},{"speaker":"Average Joe Finances","startTime":1386.494,"endTime":1387.934,"body":"Hey, I want to work with your business."},{"speaker":"Average Joe Finances","startTime":1387.964,"endTime":1389.352,"body":"Or, I'd like to."},{"speaker":"Average Joe Finances","startTime":1389.355,"endTime":1393.012,"body":"Market your business for you and or"},{"speaker":"Average Joe Finances","startTime":1389.355,"endTime":1393.012,"body":"whatever way it is that you guys do it."},{"speaker":"Average Joe Finances","startTime":1393.312,"endTime":1395.652,"body":"What is it that drove you"},{"speaker":"Average Joe Finances","startTime":1393.312,"endTime":1395.652,"body":"to reach out to these folks?"},{"speaker":"Average Joe Finances","startTime":1395.652,"endTime":1399.552,"body":"Because you don't just wake up one"},{"speaker":"Average Joe Finances","startTime":1395.652,"endTime":1399.552,"body":"morning and say, Hey, I want to"},{"speaker":"Average Joe Finances","startTime":1399.552,"endTime":1402.047,"body":"try to do some affiliate marketing"},{"speaker":"Average Joe Finances","startTime":1399.552,"endTime":1402.047,"body":"and, do this with the business."},{"speaker":"Average Joe Finances","startTime":1402.047,"endTime":1404.747,"body":"There had to be some type of"},{"speaker":"Average Joe Finances","startTime":1402.047,"endTime":1404.747,"body":"plan or TAC plan going into it."},{"speaker":"Average Joe Finances","startTime":1404.927,"endTime":1405.887,"body":"So what was that for you?"},{"speaker":"Craig Clickner","startTime":1407.477,"endTime":1407.747,"body":"Yeah."},{"speaker":"Craig Clickner","startTime":1407.757,"endTime":1410.417,"body":"So this is a pretty easy one to answer."},{"speaker":"Craig Clickner","startTime":1410.417,"endTime":1413.267,"body":"And again, it wasn't like a, Hey,"},{"speaker":"Craig Clickner","startTime":1410.417,"endTime":1413.267,"body":"we want to do affiliate marketing."},{"speaker":"Craig Clickner","startTime":1413.267,"endTime":1414.587,"body":"So let's go reach out to these people."},{"speaker":"Craig Clickner","startTime":1414.587,"endTime":1417.047,"body":"What we've done is used people's services."},{"speaker":"Craig Clickner","startTime":1417.137,"endTime":1420.827,"body":"And if the services are good, we"},{"speaker":"Craig Clickner","startTime":1417.137,"endTime":1420.827,"body":"promote the services because that's"},{"speaker":"Craig Clickner","startTime":1420.827,"endTime":1422.297,"body":"what you do when you like something."},{"speaker":"Craig Clickner","startTime":1422.687,"endTime":1426.227,"body":"I don't care if it's a movie or a"},{"speaker":"Craig Clickner","startTime":1422.687,"endTime":1426.227,"body":"restaurant or anything, you promote it."},{"speaker":"Craig Clickner","startTime":1426.882,"endTime":1430.168,"body":"And then when you believe in something"},{"speaker":"Craig Clickner","startTime":1426.882,"endTime":1430.168,"body":"enough, I I've gone to people."},{"speaker":"Craig Clickner","startTime":1430.238,"endTime":1433.266,"body":"I have people who we help and it's I"},{"speaker":"Craig Clickner","startTime":1430.238,"endTime":1433.266,"body":"can sell you better than you can sell"},{"speaker":"Craig Clickner","startTime":1433.266,"endTime":1435.171,"body":"you because I love your services."},{"speaker":"Craig Clickner","startTime":1435.171,"endTime":1438.111,"body":"And I know how to communicate"},{"speaker":"Craig Clickner","startTime":1435.171,"endTime":1438.111,"body":"because we've harnessed these other"},{"speaker":"Craig Clickner","startTime":1438.111,"endTime":1441.471,"body":"skills on the other end, we've been"},{"speaker":"Craig Clickner","startTime":1438.111,"endTime":1441.471,"body":"on the customer as the consumer."},{"speaker":"Craig Clickner","startTime":1441.471,"endTime":1444.351,"body":"And we like have had practice"},{"speaker":"Craig Clickner","startTime":1441.471,"endTime":1444.351,"body":"communicating or business"},{"speaker":"Craig Clickner","startTime":1444.351,"endTime":1445.341,"body":"development or sales or whatever."},{"speaker":"Craig Clickner","startTime":1446.421,"endTime":1449.797,"body":"Man, if I kick you whatever,"},{"speaker":"Craig Clickner","startTime":1446.421,"endTime":1449.797,"body":"can you share in the revenues?"},{"speaker":"Craig Clickner","startTime":1449.797,"endTime":1451.93,"body":"And we normally, we"},{"speaker":"Craig Clickner","startTime":1449.797,"endTime":1451.93,"body":"don't even approach them."},{"speaker":"Craig Clickner","startTime":1451.981,"endTime":1455.151,"body":"They'll a lot of times approach us about"},{"speaker":"Craig Clickner","startTime":1451.981,"endTime":1455.151,"body":"it because they know we have influence"},{"speaker":"Craig Clickner","startTime":1455.151,"endTime":1456.461,"body":"and they know we're only gonna kick over."},{"speaker":"Craig Clickner","startTime":1457.266,"endTime":1461.109,"body":"That are going to be qualified and vetted"},{"speaker":"Craig Clickner","startTime":1457.266,"endTime":1461.109,"body":"and are going to be easy for them to close"},{"speaker":"Craig Clickner","startTime":1461.109,"endTime":1464.499,"body":"and good people that they're going to"},{"speaker":"Craig Clickner","startTime":1461.109,"endTime":1464.499,"body":"be excited to work with and vice versa."},{"speaker":"Craig Clickner","startTime":1464.919,"endTime":1468.159,"body":"But if you're just like the affiliate"},{"speaker":"Craig Clickner","startTime":1464.919,"endTime":1468.159,"body":"marketing person, who's like always"},{"speaker":"Craig Clickner","startTime":1468.159,"endTime":1472.719,"body":"sending random people, then now all of a"},{"speaker":"Craig Clickner","startTime":1468.159,"endTime":1472.719,"body":"sudden your brand drops your credibility."},{"speaker":"Craig Clickner","startTime":1472.719,"endTime":1473.439,"body":"Isn't the same."},{"speaker":"Craig Clickner","startTime":1473.679,"endTime":1477.519,"body":"So if I refer someone to somebody"},{"speaker":"Craig Clickner","startTime":1473.679,"endTime":1477.519,"body":"that usually there's some gravity"},{"speaker":"Craig Clickner","startTime":1477.519,"endTime":1480.67,"body":"to it in a sense that I know that"},{"speaker":"Craig Clickner","startTime":1477.519,"endTime":1480.67,"body":"person is going to follow through 80"},{"speaker":"Craig Clickner","startTime":1480.67,"endTime":1482.08,"body":"to 90% of the time it's going to be."},{"speaker":"Average Joe Finances","startTime":1482.965,"endTime":1484.255,"body":"Yeah, I wrote that down."},{"speaker":"Average Joe Finances","startTime":1484.255,"endTime":1485.125,"body":"That's definitely important."},{"speaker":"Average Joe Finances","startTime":1485.125,"endTime":1487.1,"body":"Is your credibility, and"},{"speaker":"Average Joe Finances","startTime":1485.125,"endTime":1487.1,"body":"something that you just said"},{"speaker":"Average Joe Finances","startTime":1487.1,"endTime":1488.992,"body":"to Carrie was diluted, right?"},{"speaker":"Average Joe Finances","startTime":1488.992,"endTime":1493.102,"body":"You don't want to dilute yourself"},{"speaker":"Average Joe Finances","startTime":1488.992,"endTime":1493.102,"body":"by just over-saturating somebody"},{"speaker":"Average Joe Finances","startTime":1493.102,"endTime":1495.812,"body":"with a whole bunch of leads that"},{"speaker":"Average Joe Finances","startTime":1493.102,"endTime":1495.812,"body":"are going to amount to nothing."},{"speaker":"Average Joe Finances","startTime":1495.829,"endTime":1497.618,"body":"See the same thing in"},{"speaker":"Average Joe Finances","startTime":1495.829,"endTime":1497.618,"body":"the real estate world."},{"speaker":"Average Joe Finances","startTime":1497.647,"endTime":1501.902,"body":"So for when you give referrals to"},{"speaker":"Average Joe Finances","startTime":1497.647,"endTime":1501.902,"body":"other agents and nothing happens with"},{"speaker":"Average Joe Finances","startTime":1501.902,"endTime":1505.202,"body":"it and you keep sending them referrals"},{"speaker":"Average Joe Finances","startTime":1501.902,"endTime":1505.202,"body":"and then the person's not serious and"},{"speaker":"Average Joe Finances","startTime":1505.202,"endTime":1506.231,"body":"they don't want to buy the, the next."},{"speaker":"Average Joe Finances","startTime":1507.206,"endTime":1510.025,"body":"You send a referral, that agent they're"},{"speaker":"Average Joe Finances","startTime":1507.206,"endTime":1510.025,"body":"going to be like I'll pass this time,"},{"speaker":"Average Joe Finances","startTime":1510.125,"endTime":1512.525,"body":"and who knows, it could be like the boy"},{"speaker":"Average Joe Finances","startTime":1510.125,"endTime":1512.525,"body":"who cried Wolf, like that was going to"},{"speaker":"Average Joe Finances","startTime":1512.525,"endTime":1516.03,"body":"be the one, you keep sending like these"},{"speaker":"Average Joe Finances","startTime":1512.525,"endTime":1516.03,"body":"duds and that's what's going to happen."},{"speaker":"Average Joe Finances","startTime":1516.45,"endTime":1516.9,"body":"So"},{"speaker":"Craig Clickner","startTime":1517.5,"endTime":1519.63,"body":"the speed, you just"},{"speaker":"Craig Clickner","startTime":1517.5,"endTime":1519.63,"body":"be one thing I think we've gotten good"},{"speaker":"Craig Clickner","startTime":1519.63,"endTime":1521.19,"body":"at is just being really transparent."},{"speaker":"Craig Clickner","startTime":1521.19,"endTime":1523.44,"body":"So I can say, Hey, here's where"},{"speaker":"Craig Clickner","startTime":1521.19,"endTime":1523.44,"body":"they're at in their journey."},{"speaker":"Craig Clickner","startTime":1523.77,"endTime":1526.836,"body":"Like buying homes is a great"},{"speaker":"Craig Clickner","startTime":1523.77,"endTime":1526.836,"body":"example because we know someone"},{"speaker":"Craig Clickner","startTime":1526.839,"endTime":1528.309,"body":"who has a good real estate agency."},{"speaker":"Craig Clickner","startTime":1528.309,"endTime":1529.479,"body":"We've given Marotta referrals."},{"speaker":"Craig Clickner","startTime":1529.479,"endTime":1530.439,"body":"It's here's where they're at."},{"speaker":"Craig Clickner","startTime":1530.469,"endTime":1531.159,"body":"Here's their prices."},{"speaker":"Craig Clickner","startTime":1531.894,"endTime":1533.364,"body":"Here's like what you're"},{"speaker":"Craig Clickner","startTime":1531.894,"endTime":1533.364,"body":"probably working with."},{"speaker":"Craig Clickner","startTime":1533.364,"endTime":1536.784,"body":"Here's some challenges and here's"},{"speaker":"Craig Clickner","startTime":1533.364,"endTime":1536.784,"body":"why they could be a good fit or not."},{"speaker":"Craig Clickner","startTime":1536.784,"endTime":1539.961,"body":"You decide, or it's dude, this person's"},{"speaker":"Craig Clickner","startTime":1536.784,"endTime":1539.961,"body":"looking for the million dollar home."},{"speaker":"Craig Clickner","startTime":1539.991,"endTime":1542.226,"body":"They've got the cash,"},{"speaker":"Craig Clickner","startTime":1539.991,"endTime":1542.226,"body":"like here's the setup."},{"speaker":"Craig Clickner","startTime":1542.23,"endTime":1544.65,"body":"I think qualifying it, or"},{"speaker":"Craig Clickner","startTime":1542.23,"endTime":1544.65,"body":"being clear as is helpful to"},{"speaker":"Average Joe Finances","startTime":1545.37,"endTime":1545.43,"body":"you."},{"speaker":"Average Joe Finances","startTime":1545.67,"endTime":1546.0,"body":"Awesome."},{"speaker":"Average Joe Finances","startTime":1546.006,"endTime":1546.26,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":1546.26,"endTime":1549.634,"body":"I want to cause we kinda"},{"speaker":"Average Joe Finances","startTime":1546.26,"endTime":1549.634,"body":"beaten up on that a bit."},{"speaker":"Average Joe Finances","startTime":1549.634,"endTime":1553.166,"body":"I want to actually ask you"},{"speaker":"Average Joe Finances","startTime":1549.634,"endTime":1553.166,"body":"guys about, when you started."},{"speaker":"Average Joe Finances","startTime":1553.184,"endTime":1554.211,"body":"Your side hustle, right?"},{"speaker":"Average Joe Finances","startTime":1554.271,"endTime":1558.171,"body":"To when you got to the point where you"},{"speaker":"Average Joe Finances","startTime":1554.271,"endTime":1558.171,"body":"knew you were bringing enough income in"},{"speaker":"Average Joe Finances","startTime":1558.411,"endTime":1559.881,"body":"that you can leave your nine to five."},{"speaker":"Average Joe Finances","startTime":1559.881,"endTime":1560.871,"body":"So when was that for you?"},{"speaker":"Average Joe Finances","startTime":1560.871,"endTime":1564.604,"body":"So I know you started in banking"},{"speaker":"Average Joe Finances","startTime":1560.871,"endTime":1564.604,"body":"back in 2003 and Carrie, when"},{"speaker":"Average Joe Finances","startTime":1564.604,"endTime":1566.284,"body":"did you start as a, as a."},{"speaker":"Average Joe Finances","startTime":1568.054,"endTime":1569.284,"body":"2006."},{"speaker":"Average Joe Finances","startTime":1569.554,"endTime":1571.114,"body":"So in 2006, how long"},{"speaker":"Carrie Bohlig","startTime":1571.114,"endTime":1572.104,"body":"did it take you guys?"},{"speaker":"Carrie Bohlig","startTime":1572.104,"endTime":1572.494,"body":"Seven."},{"speaker":"Carrie Bohlig","startTime":1572.494,"endTime":1575.884,"body":"I traveled around, I did a little"},{"speaker":"Carrie Bohlig","startTime":1572.494,"endTime":1575.884,"body":"traveling before I officially"},{"speaker":"Carrie Bohlig","startTime":1576.694,"endTime":1578.044,"body":"settled down into the job."},{"speaker":"Carrie Bohlig","startTime":1578.074,"endTime":1578.494,"body":"You got"},{"speaker":"Average Joe Finances","startTime":1578.494,"endTime":1580.275,"body":"to get a"},{"speaker":"Average Joe Finances","startTime":1578.494,"endTime":1580.275,"body":"good taste for what you wanted"},{"speaker":"Average Joe Finances","startTime":1580.275,"endTime":1581.595,"body":"your future to be like anyway."},{"speaker":"Average Joe Finances","startTime":1584.055,"endTime":1587.985,"body":"So what, so during that time,"},{"speaker":"Average Joe Finances","startTime":1584.055,"endTime":1587.985,"body":"period, how long did it take you to"},{"speaker":"Average Joe Finances","startTime":1587.985,"endTime":1591.465,"body":"get to where you're at now to where"},{"speaker":"Average Joe Finances","startTime":1587.985,"endTime":1591.465,"body":"you were able to leave your nine"},{"speaker":"Average Joe Finances","startTime":1591.465,"endTime":1593.494,"body":"to five and be full-time entrepre?"},{"speaker":"Carrie Bohlig","startTime":1593.494,"endTime":1596.495,"body":"For me, it took a handful"},{"speaker":"Carrie Bohlig","startTime":1593.494,"endTime":1596.495,"body":"of years and really Craig just had his"},{"speaker":"Carrie Bohlig","startTime":1596.495,"endTime":1598.985,"body":"five-year anniversary, not working."},{"speaker":"Carrie Bohlig","startTime":1599.015,"endTime":1600.425,"body":"I'm not working July 1st."},{"speaker":"Carrie Bohlig","startTime":1600.425,"endTime":1601.595,"body":"So that was pretty exciting."},{"speaker":"Carrie Bohlig","startTime":1601.595,"endTime":1604.505,"body":"And our son happened to be born"},{"speaker":"Carrie Bohlig","startTime":1601.595,"endTime":1604.505,"body":"the next year on the same day."},{"speaker":"Carrie Bohlig","startTime":1604.505,"endTime":1607.595,"body":"So unfortunately his retirement"},{"speaker":"Carrie Bohlig","startTime":1604.505,"endTime":1607.595,"body":"date gets overshadowed by the"},{"speaker":"Carrie Bohlig","startTime":1607.685,"endTime":1609.005,"body":"star wars, birthday parties."},{"speaker":"Carrie Bohlig","startTime":1609.005,"endTime":1609.245,"body":"But."},{"speaker":"Carrie Bohlig","startTime":1610.15,"endTime":1610.39,"body":"Yeah."},{"speaker":"Carrie Bohlig","startTime":1610.39,"endTime":1613.63,"body":"It's been five years since I saw that."},{"speaker":"Carrie Bohlig","startTime":1613.63,"endTime":1616.21,"body":"And we had a lot of Yoda"},{"speaker":"Carrie Bohlig","startTime":1613.63,"endTime":1616.21,"body":"stuff at my house on Friday."},{"speaker":"Carrie Bohlig","startTime":1616.279,"endTime":1620.032,"body":"Yeah, it's been five years and our son"},{"speaker":"Carrie Bohlig","startTime":1616.279,"endTime":1620.032,"body":"has never seen Craig go to a traditional"},{"speaker":"Carrie Bohlig","startTime":1620.032,"endTime":1622.012,"body":"job, which is pretty remarkable."},{"speaker":"Carrie Bohlig","startTime":1622.012,"endTime":1624.712,"body":"So we've been what we call"},{"speaker":"Carrie Bohlig","startTime":1622.012,"endTime":1624.712,"body":"like a free family in a sense."},{"speaker":"Carrie Bohlig","startTime":1624.712,"endTime":1627.068,"body":"And it's not like we don't"},{"speaker":"Carrie Bohlig","startTime":1624.712,"endTime":1627.068,"body":"sit around and do anything."},{"speaker":"Carrie Bohlig","startTime":1627.068,"endTime":1629.768,"body":"Now we get to really pick and"},{"speaker":"Carrie Bohlig","startTime":1627.068,"endTime":1629.768,"body":"choose like what passion projects"},{"speaker":"Carrie Bohlig","startTime":1629.768,"endTime":1631.118,"body":"are most important to us."},{"speaker":"Carrie Bohlig","startTime":1631.252,"endTime":1633.892,"body":"When Craig transitioned,"},{"speaker":"Carrie Bohlig","startTime":1631.252,"endTime":1633.892,"body":"what was interesting is he"},{"speaker":"Carrie Bohlig","startTime":1633.892,"endTime":1634.672,"body":"could have done it sooner."},{"speaker":"Carrie Bohlig","startTime":1635.392,"endTime":1638.269,"body":"But for us, he is more of"},{"speaker":"Carrie Bohlig","startTime":1635.392,"endTime":1638.269,"body":"a conservative banker type."},{"speaker":"Carrie Bohlig","startTime":1638.324,"endTime":1640.874,"body":"Didn't want to do anything"},{"speaker":"Carrie Bohlig","startTime":1638.324,"endTime":1640.874,"body":"crazy, risky, but we wanted to"},{"speaker":"Carrie Bohlig","startTime":1640.874,"endTime":1642.598,"body":"not have to dip our lifestyle."},{"speaker":"Carrie Bohlig","startTime":1642.598,"endTime":1645.238,"body":"And I think there's people who"},{"speaker":"Carrie Bohlig","startTime":1642.598,"endTime":1645.238,"body":"are maybe further along on the"},{"speaker":"Carrie Bohlig","startTime":1645.238,"endTime":1648.448,"body":"entrepreneurial spectrum that would"},{"speaker":"Carrie Bohlig","startTime":1645.238,"endTime":1648.448,"body":"have jumped ship from the job earlier."},{"speaker":"Carrie Bohlig","startTime":1648.448,"endTime":1649.168,"body":"And that's awesome."},{"speaker":"Carrie Bohlig","startTime":1649.168,"endTime":1649.978,"body":"I commend that."},{"speaker":"Carrie Bohlig","startTime":1649.978,"endTime":1653.638,"body":"I think that's super cool, but it"},{"speaker":"Carrie Bohlig","startTime":1649.978,"endTime":1653.638,"body":"doesn't have to be immediate either."},{"speaker":"Carrie Bohlig","startTime":1653.638,"endTime":1656.483,"body":"If you want to build up the"},{"speaker":"Carrie Bohlig","startTime":1653.638,"endTime":1656.483,"body":"security a little bit, strengthen"},{"speaker":"Carrie Bohlig","startTime":1656.483,"endTime":1659.153,"body":"your business or your income"},{"speaker":"Carrie Bohlig","startTime":1656.483,"endTime":1659.153,"body":"stream so that when you do pay."},{"speaker":"Carrie Bohlig","startTime":1659.873,"endTime":1662.976,"body":"Or make that transition your"},{"speaker":"Carrie Bohlig","startTime":1659.873,"endTime":1662.976,"body":"lifestyle can actually increase with"},{"speaker":"Carrie Bohlig","startTime":1662.976,"endTime":1664.386,"body":"it, which is what happened to us."},{"speaker":"Carrie Bohlig","startTime":1664.386,"endTime":1668.733,"body":"So he actually walked out of his"},{"speaker":"Carrie Bohlig","startTime":1664.386,"endTime":1668.733,"body":"six-figure banking career the same day."},{"speaker":"Carrie Bohlig","startTime":1668.733,"endTime":1670.904,"body":"We actually closed on our dream home."},{"speaker":"Carrie Bohlig","startTime":1670.904,"endTime":1674.204,"body":"So it was a pretty epic 24 hour window."},{"speaker":"Average Joe Finances","startTime":1674.984,"endTime":1675.734,"body":"Yeah, that sounds"},{"speaker":"Craig Clickner","startTime":1677.114,"endTime":1677.564,"body":"amazing."},{"speaker":"Craig Clickner","startTime":1678.259,"endTime":1680.511,"body":"Yeah, we closed on the house"},{"speaker":"Craig Clickner","startTime":1678.259,"endTime":1680.511,"body":"and in there, the bankers man,"},{"speaker":"Craig Clickner","startTime":1680.511,"endTime":1681.591,"body":"I hope you don't lose your job."},{"speaker":"Craig Clickner","startTime":1681.621,"endTime":1683.391,"body":"This is a pretty, pretty good sized house."},{"speaker":"Craig Clickner","startTime":1684.021,"endTime":1685.701,"body":"And we're like, both didn't even look up."},{"speaker":"Craig Clickner","startTime":1685.701,"endTime":1686.991,"body":"Cause I was like leaving my job"},{"speaker":"Average Joe Finances","startTime":1687.021,"endTime":1687.651,"body":"the next day."},{"speaker":"Average Joe Finances","startTime":1687.697,"endTime":1690.071,"body":"Yeah, a bit close on the house"},{"speaker":"Average Joe Finances","startTime":1687.697,"endTime":1690.071,"body":"first, then leave your job."},{"speaker":"Average Joe Finances","startTime":1690.101,"endTime":1691.112,"body":"Don't yeah, we"},{"speaker":"Craig Clickner","startTime":1691.112,"endTime":1692.776,"body":"took the we"},{"speaker":"Craig Clickner","startTime":1691.112,"endTime":1692.776,"body":"took the credibility of the"},{"speaker":"Craig Clickner","startTime":1692.776,"endTime":1694.186,"body":"salary for the loan, of course."},{"speaker":"Craig Clickner","startTime":1694.216,"endTime":1695.416,"body":"But yeah, no, it was all, it was."},{"speaker":"Craig Clickner","startTime":1695.47,"endTime":1698.17,"body":"So I think that there's a lot, we"},{"speaker":"Craig Clickner","startTime":1695.47,"endTime":1698.17,"body":"could unpack there, especially with the"},{"speaker":"Craig Clickner","startTime":1698.17,"endTime":1699.927,"body":"finances call and, having a background."},{"speaker":"Craig Clickner","startTime":1699.956,"endTime":1703.486,"body":"I studied concentration, financial"},{"speaker":"Craig Clickner","startTime":1699.956,"endTime":1703.486,"body":"planning, did several internships in it."},{"speaker":"Craig Clickner","startTime":1703.486,"endTime":1705.736,"body":"Like I know that space really well."},{"speaker":"Craig Clickner","startTime":1705.736,"endTime":1709.205,"body":"And we wrote a book and we call it"},{"speaker":"Craig Clickner","startTime":1705.736,"endTime":1709.205,"body":"life set or a chapter in the book."},{"speaker":"Craig Clickner","startTime":1709.235,"endTime":1714.605,"body":"And it's about if mindset is your way of"},{"speaker":"Craig Clickner","startTime":1709.235,"endTime":1714.605,"body":"thinking and your opinions than life set"},{"speaker":"Craig Clickner","startTime":1714.605,"endTime":1716.705,"body":"is your way of living and your choices."},{"speaker":"Craig Clickner","startTime":1717.44,"endTime":1720.8,"body":"And so a lot of people can listen to a"},{"speaker":"Craig Clickner","startTime":1717.44,"endTime":1720.8,"body":"great podcast like this, but then they"},{"speaker":"Craig Clickner","startTime":1720.8,"endTime":1724.5,"body":"don't, what gets lost in translation"},{"speaker":"Craig Clickner","startTime":1720.8,"endTime":1724.5,"body":"is how do I apply these things?"},{"speaker":"Craig Clickner","startTime":1724.515,"endTime":1726.015,"body":"Because I'm like, okay,"},{"speaker":"Craig Clickner","startTime":1724.515,"endTime":1726.015,"body":"I need a side hustle."},{"speaker":"Craig Clickner","startTime":1726.015,"endTime":1729.045,"body":"And then they start a lemonade stand,"},{"speaker":"Craig Clickner","startTime":1726.015,"endTime":1729.045,"body":"but it's not scalable or whatever."},{"speaker":"Craig Clickner","startTime":1729.108,"endTime":1731.058,"body":"Or they go take out a second"},{"speaker":"Craig Clickner","startTime":1729.108,"endTime":1731.058,"body":"mortgage on their home."},{"speaker":"Craig Clickner","startTime":1731.058,"endTime":1733.278,"body":"Cause I'm like, I'm going to be an"},{"speaker":"Craig Clickner","startTime":1731.058,"endTime":1733.278,"body":"entrepreneur and quit their job."},{"speaker":"Craig Clickner","startTime":1733.278,"endTime":1734.974,"body":"And it's dude, can you have a sale first?"},{"speaker":"Craig Clickner","startTime":1735.013,"endTime":1738.152,"body":"So it's, sometimes it's hard to take"},{"speaker":"Craig Clickner","startTime":1735.013,"endTime":1738.152,"body":"the Gary Vaynerchuks of the world and"},{"speaker":"Craig Clickner","startTime":1738.152,"endTime":1741.992,"body":"then convert it to your lifestyle,"},{"speaker":"Craig Clickner","startTime":1738.152,"endTime":1741.992,"body":"which is one reason we say the right"},{"speaker":"Craig Clickner","startTime":1741.992,"endTime":1743.702,"body":"who and a mentor is so valuable."},{"speaker":"Craig Clickner","startTime":1744.167,"endTime":1747.167,"body":"But in terms of life set, there's"},{"speaker":"Craig Clickner","startTime":1744.167,"endTime":1747.167,"body":"so many things you can do to set"},{"speaker":"Craig Clickner","startTime":1747.167,"endTime":1749.267,"body":"yourself up well, to succeed outside."},{"speaker":"Craig Clickner","startTime":1749.267,"endTime":1751.779,"body":"Like in your case, you have the"},{"speaker":"Craig Clickner","startTime":1749.267,"endTime":1751.779,"body":"regular day job, you're going"},{"speaker":"Craig Clickner","startTime":1751.779,"endTime":1753.099,"body":"to probably stop at the 20 year."},{"speaker":"Craig Clickner","startTime":1753.099,"endTime":1753.369,"body":"Mark."},{"speaker":"Craig Clickner","startTime":1753.369,"endTime":1755.559,"body":"Is that kind of the"},{"speaker":"Craig Clickner","startTime":1753.369,"endTime":1755.559,"body":"plan with the military?"},{"speaker":"Average Joe Finances","startTime":1755.697,"endTime":1759.057,"body":"I'm actually"},{"speaker":"Average Joe Finances","startTime":1755.697,"endTime":1759.057,"body":"at 19 now and I am transferring to"},{"speaker":"Average Joe Finances","startTime":1759.057,"endTime":1761.397,"body":"my final duty station next month."},{"speaker":"Average Joe Finances","startTime":1761.427,"endTime":1761.877,"body":"Yes."},{"speaker":"Average Joe Finances","startTime":1761.937,"endTime":1764.967,"body":"Now I'm either going to go there"},{"speaker":"Average Joe Finances","startTime":1761.937,"endTime":1764.967,"body":"for a year and punch out or I'm"},{"speaker":"Average Joe Finances","startTime":1764.967,"endTime":1767.457,"body":"going to do the full three years"},{"speaker":"Average Joe Finances","startTime":1764.967,"endTime":1767.457,"body":"cause I'm up for promotion."},{"speaker":"Average Joe Finances","startTime":1767.457,"endTime":1769.194,"body":"So it just, it depends."},{"speaker":"Average Joe Finances","startTime":1769.223,"endTime":1771.323,"body":"On the inside, I want to retire next year."},{"speaker":"Average Joe Finances","startTime":1771.67,"endTime":1775.33,"body":"I just don't know if I'll be allowed"},{"speaker":"Average Joe Finances","startTime":1771.67,"endTime":1775.33,"body":"to, if I only, maybe if I decline my"},{"speaker":"Average Joe Finances","startTime":1775.33,"endTime":1779.89,"body":"promotion, I can, but the fact that I"},{"speaker":"Average Joe Finances","startTime":1775.33,"endTime":1779.89,"body":"accepted these three-year orders, I might"},{"speaker":"Average Joe Finances","startTime":1779.89,"endTime":1784.064,"body":"be forced to stay because it can deny"},{"speaker":"Average Joe Finances","startTime":1779.89,"endTime":1784.064,"body":"me and say, Nope, you accepted orders."},{"speaker":"Average Joe Finances","startTime":1784.064,"endTime":1785.654,"body":"You got to fulfill your obligation."},{"speaker":"Average Joe Finances","startTime":1785.689,"endTime":1787.873,"body":"So right now I say one to three."},{"speaker":"Craig Clickner","startTime":1789.073,"endTime":1789.553,"body":"Perfect."},{"speaker":"Craig Clickner","startTime":1790.493,"endTime":1792.043,"body":"So you have a plan though, right?"},{"speaker":"Craig Clickner","startTime":1792.043,"endTime":1796.003,"body":"And in doing that, you're"},{"speaker":"Craig Clickner","startTime":1792.043,"endTime":1796.003,"body":"also have your side hustles,"},{"speaker":"Craig Clickner","startTime":1796.003,"endTime":1797.753,"body":"plural that you're building up."},{"speaker":"Craig Clickner","startTime":1797.758,"endTime":1800.398,"body":"And hopefully you have some people"},{"speaker":"Craig Clickner","startTime":1797.758,"endTime":1800.398,"body":"that are guiding you on that."},{"speaker":"Craig Clickner","startTime":1800.415,"endTime":1803.648,"body":"If not, that would be one of our"},{"speaker":"Craig Clickner","startTime":1800.415,"endTime":1803.648,"body":"first recommendations, but the"},{"speaker":"Craig Clickner","startTime":1803.658,"endTime":1806.718,"body":"idea then is that you can start"},{"speaker":"Craig Clickner","startTime":1803.658,"endTime":1806.718,"body":"to build up these revenue streams."},{"speaker":"Craig Clickner","startTime":1806.758,"endTime":1811.245,"body":"If you make smart financial decisions,"},{"speaker":"Craig Clickner","startTime":1806.758,"endTime":1811.245,"body":"do the 401k, do the Roth, but then"},{"speaker":"Craig Clickner","startTime":1811.245,"endTime":1813.705,"body":"stop spending money on stupid shit."},{"speaker":"Craig Clickner","startTime":1813.705,"endTime":1815.595,"body":"If it's okay that I dropped"},{"speaker":"Craig Clickner","startTime":1813.705,"endTime":1815.595,"body":"the S H word, right?"},{"speaker":"Craig Clickner","startTime":1816.185,"endTime":1820.445,"body":"Is that stop spending money on stupid"},{"speaker":"Craig Clickner","startTime":1816.185,"endTime":1820.445,"body":"stuff or shirt, as they say in some funny"},{"speaker":"Craig Clickner","startTime":1820.445,"endTime":1823.131,"body":"shows now and don't spend money on cable."},{"speaker":"Craig Clickner","startTime":1823.174,"endTime":1827.044,"body":"Don't buy the big screen TV, like"},{"speaker":"Craig Clickner","startTime":1823.174,"endTime":1827.044,"body":"stopped going to the big sports games."},{"speaker":"Craig Clickner","startTime":1827.194,"endTime":1830.674,"body":"Don't have fancy vacations, put"},{"speaker":"Craig Clickner","startTime":1827.194,"endTime":1830.674,"body":"that money into running a business"},{"speaker":"Craig Clickner","startTime":1830.674,"endTime":1832.444,"body":"or real estate or whatever else."},{"speaker":"Craig Clickner","startTime":1832.654,"endTime":1835.564,"body":"And then over time after 3,"},{"speaker":"Craig Clickner","startTime":1832.654,"endTime":1835.564,"body":"4, 5, 6, 7, 8, 9, 10 years."},{"speaker":"Craig Clickner","startTime":1836.109,"endTime":1837.759,"body":"Something beautiful and nice."},{"speaker":"Craig Clickner","startTime":1837.759,"endTime":1839.619,"body":"That gives you that much more security."},{"speaker":"Craig Clickner","startTime":1839.979,"endTime":1843.669,"body":"And so we talk about making really"},{"speaker":"Craig Clickner","startTime":1839.979,"endTime":1843.669,"body":"smart financial decisions, and"},{"speaker":"Craig Clickner","startTime":1843.669,"endTime":1847.719,"body":"we can go into that at nauseum"},{"speaker":"Craig Clickner","startTime":1843.669,"endTime":1847.719,"body":"in detail, but over detail."},{"speaker":"Craig Clickner","startTime":1847.869,"endTime":1851.714,"body":"But one of the best things you can do"},{"speaker":"Craig Clickner","startTime":1847.869,"endTime":1851.714,"body":"is just keep your lifestyle modest,"},{"speaker":"Craig Clickner","startTime":1851.744,"endTime":1855.014,"body":"because if you keep it modest,"},{"speaker":"Craig Clickner","startTime":1851.744,"endTime":1855.014,"body":"it's easier to replace your income"},{"speaker":"Craig Clickner","startTime":1855.014,"endTime":1856.874,"body":"and have financial peace of mind."},{"speaker":"Craig Clickner","startTime":1857.084,"endTime":1857.924,"body":"Not just more."},{"speaker":"Craig Clickner","startTime":1858.859,"endTime":1862.459,"body":"And I think a lot of people miss the"},{"speaker":"Craig Clickner","startTime":1858.859,"endTime":1862.459,"body":"boat on that and they buy the big house"},{"speaker":"Craig Clickner","startTime":1862.459,"endTime":1864.343,"body":"and especially cars are very dangerous."},{"speaker":"Craig Clickner","startTime":1864.344,"endTime":1867.038,"body":"And we were fortunate, Booklist did"},{"speaker":"Craig Clickner","startTime":1864.344,"endTime":1867.038,"body":"a review of our book and they said"},{"speaker":"Craig Clickner","startTime":1867.038,"endTime":1870.578,"body":"that our chapter about life set and"},{"speaker":"Craig Clickner","startTime":1867.038,"endTime":1870.578,"body":"savings and buying cars should be"},{"speaker":"Craig Clickner","startTime":1870.578,"endTime":1873.758,"body":"in every high school curriculum,"},{"speaker":"Craig Clickner","startTime":1870.578,"endTime":1873.758,"body":"because we're just huge proponents"},{"speaker":"Craig Clickner","startTime":1873.758,"endTime":1875.318,"body":"of not over spending in those areas."},{"speaker":"Average Joe Finances","startTime":1875.318,"endTime":1877.005,"body":"There's a"},{"speaker":"Average Joe Finances","startTime":1875.318,"endTime":1877.005,"body":"lot that should be part of a high"},{"speaker":"Average Joe Finances","startTime":1877.005,"endTime":1879.585,"body":"school curriculum, especially when"},{"speaker":"Average Joe Finances","startTime":1877.005,"endTime":1879.585,"body":"it comes to personal finances."},{"speaker":"Average Joe Finances","startTime":1880.065,"endTime":1884.715,"body":"It's actually mind boggling that you can"},{"speaker":"Average Joe Finances","startTime":1880.065,"endTime":1884.715,"body":"graduate high school and you're considered"},{"speaker":"Average Joe Finances","startTime":1884.715,"endTime":1886.365,"body":"to be an adult and go out and live life."},{"speaker":"Average Joe Finances","startTime":1886.365,"endTime":1889.555,"body":"When they haven't taught"},{"speaker":"Average Joe Finances","startTime":1886.365,"endTime":1889.555,"body":"you any basic life skills."},{"speaker":"Average Joe Finances","startTime":1889.945,"endTime":1891.665,"body":"You don't even know how to write"},{"speaker":"Average Joe Finances","startTime":1889.945,"endTime":1891.665,"body":"a check out of high school."},{"speaker":"Average Joe Finances","startTime":1891.665,"endTime":1892.865,"body":"It's absolutely insane."},{"speaker":"Average Joe Finances","startTime":1893.002,"endTime":1896.09,"body":"So there's a lot to unpack there, the"},{"speaker":"Average Joe Finances","startTime":1893.002,"endTime":1896.09,"body":"first thing I want to talk about is,"},{"speaker":"Average Joe Finances","startTime":1896.09,"endTime":1899.561,"body":"it's very important to have a mentor,"},{"speaker":"Average Joe Finances","startTime":1896.09,"endTime":1899.561,"body":"like you said, I have several mentors"},{"speaker":"Average Joe Finances","startTime":1899.561,"endTime":1901.377,"body":"that I use coaches that I've used."},{"speaker":"Average Joe Finances","startTime":1901.377,"endTime":1904.756,"body":"It's super important because it's"},{"speaker":"Average Joe Finances","startTime":1901.377,"endTime":1904.756,"body":"people that help you write your"},{"speaker":"Average Joe Finances","startTime":1904.756,"endTime":1908.115,"body":"path or you're on the track and"},{"speaker":"Average Joe Finances","startTime":1904.756,"endTime":1908.115,"body":"they help you stay on that track."},{"speaker":"Average Joe Finances","startTime":1908.146,"endTime":1911.416,"body":"And going into it, when it comes to light,"},{"speaker":"Average Joe Finances","startTime":1908.146,"endTime":1911.416,"body":"like you said, I do, I have multiple"},{"speaker":"Average Joe Finances","startTime":1911.416,"endTime":1915.406,"body":"side hustles and it's all for good reason"},{"speaker":"Average Joe Finances","startTime":1911.416,"endTime":1915.406,"body":"because I want to have multiple streams"},{"speaker":"Average Joe Finances","startTime":1915.406,"endTime":1918.466,"body":"of income that if something fails that"},{"speaker":"Average Joe Finances","startTime":1915.406,"endTime":1918.466,"body":"there's still something else there."},{"speaker":"Average Joe Finances","startTime":1918.484,"endTime":1922.384,"body":"So I've gotten myself to a point where"},{"speaker":"Average Joe Finances","startTime":1918.484,"endTime":1922.384,"body":"my podcast is self-sustainable I'm not"},{"speaker":"Average Joe Finances","startTime":1922.414,"endTime":1924.064,"body":"paying for anything out of pocket anymore."},{"speaker":"Average Joe Finances","startTime":1924.153,"endTime":1928.133,"body":"The thing with like businesses is"},{"speaker":"Average Joe Finances","startTime":1924.153,"endTime":1928.133,"body":"yes, I have my investment accounts,"},{"speaker":"Average Joe Finances","startTime":1928.178,"endTime":1930.968,"body":"I have my set amount of money that"},{"speaker":"Average Joe Finances","startTime":1928.178,"endTime":1930.968,"body":"I put into my investment accounts."},{"speaker":"Average Joe Finances","startTime":1930.968,"endTime":1931.418,"body":"Every month."},{"speaker":"Average Joe Finances","startTime":1931.688,"endTime":1934.208,"body":"I have my set amount of money that I put"},{"speaker":"Average Joe Finances","startTime":1931.688,"endTime":1934.208,"body":"to the side for real estate every month."},{"speaker":"Average Joe Finances","startTime":1934.448,"endTime":1937.538,"body":"But I also have a set amount of"},{"speaker":"Average Joe Finances","startTime":1934.448,"endTime":1937.538,"body":"money that I invest into my own"},{"speaker":"Average Joe Finances","startTime":1937.538,"endTime":1939.435,"body":"personal businesses as well."},{"speaker":"Average Joe Finances","startTime":1939.478,"endTime":1941.907,"body":"And it's gotten to the point where"},{"speaker":"Average Joe Finances","startTime":1939.478,"endTime":1941.907,"body":"that's, it's, self-sustaining"},{"speaker":"Average Joe Finances","startTime":1941.907,"endTime":1943.317,"body":"now where I'm not taking money."},{"speaker":"Average Joe Finances","startTime":1943.977,"endTime":1947.127,"body":"From my W2 job and putting"},{"speaker":"Average Joe Finances","startTime":1943.977,"endTime":1947.127,"body":"it into the business anymore."},{"speaker":"Average Joe Finances","startTime":1947.18,"endTime":1951.574,"body":"That's it's a pretty exciting transition"},{"speaker":"Average Joe Finances","startTime":1947.18,"endTime":1951.574,"body":"time for me right now, because now I know"},{"speaker":"Average Joe Finances","startTime":1951.574,"endTime":1955.534,"body":"that it's going to be self-sustainable"},{"speaker":"Average Joe Finances","startTime":1951.574,"endTime":1955.534,"body":"when I get out of the Navy and it's"},{"speaker":"Average Joe Finances","startTime":1955.534,"endTime":1957.394,"body":"something that will be there that it's."},{"speaker":"Average Joe Finances","startTime":1957.477,"endTime":1960.027,"body":"almost a hundred percent passive"},{"speaker":"Average Joe Finances","startTime":1957.477,"endTime":1960.027,"body":"at this point where I could"},{"speaker":"Average Joe Finances","startTime":1960.027,"endTime":1961.107,"body":"just set it and forget it."},{"speaker":"Average Joe Finances","startTime":1961.245,"endTime":1962.463,"body":"And it makes me money in my sleep."},{"speaker":"Average Joe Finances","startTime":1962.463,"endTime":1963.603,"body":"And that's what I like about it."},{"speaker":"Average Joe Finances","startTime":1963.626,"endTime":1964.604,"body":"But it took work."},{"speaker":"Average Joe Finances","startTime":1964.604,"endTime":1965.324,"body":"It took effort."},{"speaker":"Average Joe Finances","startTime":1965.324,"endTime":1969.852,"body":"It wasn't just something that, I was able"},{"speaker":"Average Joe Finances","startTime":1965.324,"endTime":1969.852,"body":"to put together and call it, call it done."},{"speaker":"Average Joe Finances","startTime":1970.212,"endTime":1973.191,"body":"It was, this past year of me"},{"speaker":"Average Joe Finances","startTime":1970.212,"endTime":1973.191,"body":"just grinding and grinding."},{"speaker":"Average Joe Finances","startTime":1973.191,"endTime":1977.723,"body":"To get it to where it's at and a lot"},{"speaker":"Average Joe Finances","startTime":1973.191,"endTime":1977.723,"body":"of sweat equity was put into this."},{"speaker":"Average Joe Finances","startTime":1977.993,"endTime":1982.46,"body":"And I think people don't appreciate, what"},{"speaker":"Average Joe Finances","startTime":1977.993,"endTime":1982.46,"body":"we call sweat equity as much, because it's"},{"speaker":"Average Joe Finances","startTime":1982.46,"endTime":1983.87,"body":"about the effort that you put into it."},{"speaker":"Average Joe Finances","startTime":1983.87,"endTime":1984.11,"body":"Sure."},{"speaker":"Average Joe Finances","startTime":1984.191,"endTime":1986.771,"body":"You're gonna have to put some"},{"speaker":"Average Joe Finances","startTime":1984.191,"endTime":1986.771,"body":"money into it, but if you don't put"},{"speaker":"Average Joe Finances","startTime":1986.771,"endTime":1989.681,"body":"the effort, it doesn't matter how"},{"speaker":"Average Joe Finances","startTime":1986.771,"endTime":1989.681,"body":"much money you put into something."},{"speaker":"Average Joe Finances","startTime":1989.681,"endTime":1993.251,"body":"It's not, it's never going to happen"},{"speaker":"Average Joe Finances","startTime":1989.681,"endTime":1993.251,"body":"if you don't put your effort and"},{"speaker":"Average Joe Finances","startTime":1993.251,"endTime":1995.081,"body":"have the right mindset behind it."},{"speaker":"Average Joe Finances","startTime":1995.123,"endTime":1997.193,"body":"I want to get your book and I"},{"speaker":"Average Joe Finances","startTime":1995.123,"endTime":1997.193,"body":"definitely wanna read it because"},{"speaker":"Average Joe Finances","startTime":1997.193,"endTime":1998.753,"body":"that chapter about life set."},{"speaker":"Average Joe Finances","startTime":1999.578,"endTime":2002.865,"body":"Probably something that is"},{"speaker":"Average Joe Finances","startTime":1999.578,"endTime":2002.865,"body":"going to be life-changing for"},{"speaker":"Average Joe Finances","startTime":2002.865,"endTime":2004.605,"body":"a lot of people because sure."},{"speaker":"Average Joe Finances","startTime":2004.605,"endTime":2009.464,"body":"Having great mindset's one thing, how"},{"speaker":"Average Joe Finances","startTime":2004.605,"endTime":2009.464,"body":"you apply, that is a whole other thing."},{"speaker":"Average Joe Finances","startTime":2009.49,"endTime":2011.28,"body":"And you know what you're talking"},{"speaker":"Average Joe Finances","startTime":2009.49,"endTime":2011.28,"body":"about with your life set?"},{"speaker":"Average Joe Finances","startTime":2011.28,"endTime":2012.18,"body":"I really liked that."},{"speaker":"Average Joe Finances","startTime":2012.232,"endTime":2012.982,"body":"I wrote that down."},{"speaker":"Average Joe Finances","startTime":2012.982,"endTime":2016.367,"body":"That's one of the things that's gonna be"},{"speaker":"Average Joe Finances","startTime":2012.982,"endTime":2016.367,"body":"highlighted in my notes here as something"},{"speaker":"Average Joe Finances","startTime":2016.367,"endTime":2017.973,"body":"that's super important to come back to."},{"speaker":"Average Joe Finances","startTime":2017.977,"endTime":2019.52,"body":"So yeah absolutely phenomenal."},{"speaker":"Average Joe Finances","startTime":2019.52,"endTime":2022.52,"body":"And the other thing, like you said too,"},{"speaker":"Average Joe Finances","startTime":2019.52,"endTime":2022.52,"body":"is you want to build your security."},{"speaker":"Average Joe Finances","startTime":2023.19,"endTime":2024.896,"body":"And that's what I'm doing right"},{"speaker":"Average Joe Finances","startTime":2023.19,"endTime":2024.896,"body":"now with my businesses too."},{"speaker":"Average Joe Finances","startTime":2024.917,"endTime":2028.934,"body":"I'm building this security, the safety"},{"speaker":"Average Joe Finances","startTime":2024.917,"endTime":2028.934,"body":"net that I'm going to have, no matter"},{"speaker":"Average Joe Finances","startTime":2028.934,"endTime":2032.444,"body":"what happens in the future, I've got"},{"speaker":"Average Joe Finances","startTime":2028.934,"endTime":2032.444,"body":"this other safety net going on for me."},{"speaker":"Average Joe Finances","startTime":2032.954,"endTime":2036.284,"body":"And A lot of people, they'll just"},{"speaker":"Average Joe Finances","startTime":2032.954,"endTime":2036.284,"body":"say, okay, I started a business."},{"speaker":"Average Joe Finances","startTime":2036.284,"endTime":2039.481,"body":"It's generating me some income"},{"speaker":"Average Joe Finances","startTime":2036.284,"endTime":2039.481,"body":"and they'll leave it at that."},{"speaker":"Average Joe Finances","startTime":2039.751,"endTime":2043.891,"body":"Right now, I take all the income from"},{"speaker":"Average Joe Finances","startTime":2039.751,"endTime":2043.891,"body":"my businesses and I reinvest it into the"},{"speaker":"Average Joe Finances","startTime":2043.891,"endTime":2045.941,"body":"business to scale it higher and higher."},{"speaker":"Average Joe Finances","startTime":2046.211,"endTime":2048.331,"body":"I don't take any profits from"},{"speaker":"Average Joe Finances","startTime":2046.211,"endTime":2048.331,"body":"any of my business right now."},{"speaker":"Average Joe Finances","startTime":2048.371,"endTime":2051.011,"body":"Try to live off of my"},{"speaker":"Average Joe Finances","startTime":2048.371,"endTime":2051.011,"body":"income from the military."},{"speaker":"Average Joe Finances","startTime":2051.446,"endTime":2053.156,"body":"Plus whatever I'm putting to the side."},{"speaker":"Average Joe Finances","startTime":2053.336,"endTime":2058.441,"body":"So I try to live off of, like 60% of my"},{"speaker":"Average Joe Finances","startTime":2053.336,"endTime":2058.441,"body":"income and, it's super important to, be"},{"speaker":"Average Joe Finances","startTime":2058.441,"endTime":2061.921,"body":"able to do that because now I'm going"},{"speaker":"Average Joe Finances","startTime":2058.441,"endTime":2061.921,"body":"to be at a point where, you know, sure."},{"speaker":"Average Joe Finances","startTime":2061.921,"endTime":2065.131,"body":"I made some decent money while I"},{"speaker":"Average Joe Finances","startTime":2061.921,"endTime":2065.131,"body":"was in the military, but at the same"},{"speaker":"Average Joe Finances","startTime":2065.131,"endTime":2070.291,"body":"time, when I retire, I'll be making"},{"speaker":"Average Joe Finances","startTime":2065.131,"endTime":2070.291,"body":"more than I did while I was in."},{"speaker":"Average Joe Finances","startTime":2070.681,"endTime":2073.705,"body":"And that's just something that,"},{"speaker":"Average Joe Finances","startTime":2070.681,"endTime":2073.705,"body":"it'll be a whole lifestyle change."},{"speaker":"Average Joe Finances","startTime":2073.735,"endTime":2074.695,"body":"So I'm pretty excited about."},{"speaker":"Carrie Bohlig","startTime":2076.18,"endTime":2076.686,"body":"I love it."},{"speaker":"Carrie Bohlig","startTime":2076.686,"endTime":2077.108,"body":"Congrats."},{"speaker":"Carrie Bohlig","startTime":2077.168,"endTime":2077.978,"body":"Congrats on that."},{"speaker":"Carrie Bohlig","startTime":2077.978,"endTime":2079.418,"body":"And thanks for your service also."},{"speaker":"Average Joe Finances","startTime":2080.253,"endTime":2081.413,"body":"Yeah, thank you."},{"speaker":"Average Joe Finances","startTime":2081.413,"endTime":2082.433,"body":"I appreciate that."},{"speaker":"Average Joe Finances","startTime":2082.433,"endTime":2086.262,"body":"But, thank you for what you guys are doing"},{"speaker":"Average Joe Finances","startTime":2082.433,"endTime":2086.262,"body":"because you guys are on your own journey,"},{"speaker":"Average Joe Finances","startTime":2086.562,"endTime":2090.445,"body":"but on top of that you're giving back"},{"speaker":"Average Joe Finances","startTime":2086.562,"endTime":2090.445,"body":"and, I always love when I have a guest on"},{"speaker":"Average Joe Finances","startTime":2090.473,"endTime":2093.927,"body":"that isn't talking about just themselves"},{"speaker":"Average Joe Finances","startTime":2090.473,"endTime":2093.927,"body":"and they're talking about giving back."},{"speaker":"Average Joe Finances","startTime":2094.016,"endTime":2097.116,"body":"You guys going on different"},{"speaker":"Average Joe Finances","startTime":2094.016,"endTime":2097.116,"body":"podcasts and sharing your story."},{"speaker":"Average Joe Finances","startTime":2097.116,"endTime":2100.76,"body":"That's also giving back because you're"},{"speaker":"Average Joe Finances","startTime":2097.116,"endTime":2100.76,"body":"giving other people an opportunity to"},{"speaker":"Average Joe Finances","startTime":2100.76,"endTime":2104.2,"body":"check out what you're doing and learn"},{"speaker":"Average Joe Finances","startTime":2100.76,"endTime":2104.2,"body":"from you, so that they can maybe do"},{"speaker":"Average Joe Finances","startTime":2104.2,"endTime":2105.19,"body":"something that changes their life."},{"speaker":"Average Joe Finances","startTime":2105.559,"endTime":2107.265,"body":"that's one of the other"},{"speaker":"Average Joe Finances","startTime":2105.559,"endTime":2107.265,"body":"things that I'm all about."},{"speaker":"Average Joe Finances","startTime":2107.265,"endTime":2110.17,"body":"Like I'm in the lifestyle,"},{"speaker":"Average Joe Finances","startTime":2107.265,"endTime":2110.17,"body":"change your life business."},{"speaker":"Average Joe Finances","startTime":2110.2,"endTime":2113.711,"body":"And, that's the whole point of this"},{"speaker":"Average Joe Finances","startTime":2110.2,"endTime":2113.711,"body":"show and many other podcasts out"},{"speaker":"Average Joe Finances","startTime":2113.711,"endTime":2116.883,"body":"there similar to this that, they"},{"speaker":"Average Joe Finances","startTime":2113.711,"endTime":2116.883,"body":"bring awesome people on that can"},{"speaker":"Average Joe Finances","startTime":2116.883,"endTime":2119.493,"body":"help shape and change people's lives."},{"speaker":"Average Joe Finances","startTime":2119.733,"endTime":2120.873,"body":"And you guys are definitely doing."},{"speaker":"Average Joe Finances","startTime":2120.956,"endTime":2122.663,"body":"Again, we appreciate all that you do."},{"speaker":"Average Joe Finances","startTime":2122.72,"endTime":2126.352,"body":"But I want to ask you now, too, because"},{"speaker":"Average Joe Finances","startTime":2122.72,"endTime":2126.352,"body":"now we've got like the whole story"},{"speaker":"Average Joe Finances","startTime":2126.352,"endTime":2130.465,"body":"about how you got started, and how you"},{"speaker":"Average Joe Finances","startTime":2126.352,"endTime":2130.465,"body":"transitioned from your nine to five"},{"speaker":"Average Joe Finances","startTime":2130.465,"endTime":2132.325,"body":"jobs to being full-time entrepreneurs."},{"speaker":"Average Joe Finances","startTime":2132.368,"endTime":2135.638,"body":"What do you enjoy the"},{"speaker":"Average Joe Finances","startTime":2132.368,"endTime":2135.638,"body":"most about, about that?"},{"speaker":"Average Joe Finances","startTime":2135.689,"endTime":2138.899,"body":"That you don't have to go to a"},{"speaker":"Average Joe Finances","startTime":2135.689,"endTime":2138.899,"body":"nine to five anymore and that"},{"speaker":"Average Joe Finances","startTime":2138.899,"endTime":2140.276,"body":"you're, fully self-served."},{"speaker":"Average Joe Finances","startTime":2140.276,"endTime":2142.021,"body":"So like what is it that"},{"speaker":"Average Joe Finances","startTime":2140.276,"endTime":2142.021,"body":"you enjoy the most about."},{"speaker":"Carrie Bohlig","startTime":2142.671,"endTime":2146.361,"body":"I mean for me, I think"},{"speaker":"Carrie Bohlig","startTime":2142.671,"endTime":2146.361,"body":"just not getting that pit in my stomach"},{"speaker":"Carrie Bohlig","startTime":2146.361,"endTime":2150.897,"body":"Sunday nights, or, like every day is a"},{"speaker":"Carrie Bohlig","startTime":2146.361,"endTime":2150.897,"body":"Friday, basically every day's a Saturday."},{"speaker":"Carrie Bohlig","startTime":2150.897,"endTime":2151.827,"body":"I love Mondays."},{"speaker":"Carrie Bohlig","startTime":2151.887,"endTime":2152.757,"body":"And it's interesting."},{"speaker":"Carrie Bohlig","startTime":2152.757,"endTime":2156.447,"body":"So many people hate Mondays and"},{"speaker":"Carrie Bohlig","startTime":2152.757,"endTime":2156.447,"body":"that's like a seventh of your life."},{"speaker":"Carrie Bohlig","startTime":2156.521,"endTime":2157.331,"body":"That's a big time."},{"speaker":"Carrie Bohlig","startTime":2157.331,"endTime":2160.001,"body":"So just like being willing"},{"speaker":"Carrie Bohlig","startTime":2157.331,"endTime":2160.001,"body":"to create the life you want."},{"speaker":"Carrie Bohlig","startTime":2160.001,"endTime":2164.141,"body":"A lot of people have big frustrations"},{"speaker":"Carrie Bohlig","startTime":2160.001,"endTime":2164.141,"body":"while focus on big solutions and get busy"},{"speaker":"Carrie Bohlig","startTime":2164.141,"endTime":2168.171,"body":"and build sweat equity, put hard work"},{"speaker":"Carrie Bohlig","startTime":2164.141,"endTime":2168.171,"body":"and build your well before you need it."},{"speaker":"Carrie Bohlig","startTime":2168.185,"endTime":2171.587,"body":"Hearing your story, Mike it's like you"},{"speaker":"Carrie Bohlig","startTime":2168.185,"endTime":2171.587,"body":"had a sense of urgency, even though"},{"speaker":"Carrie Bohlig","startTime":2171.587,"endTime":2172.967,"body":"you make good money in the military."},{"speaker":"Carrie Bohlig","startTime":2173.957,"endTime":2175.337,"body":"You don't need the income yet."},{"speaker":"Carrie Bohlig","startTime":2175.367,"endTime":2180.647,"body":"Clearly your lifestyle is sufficient with"},{"speaker":"Carrie Bohlig","startTime":2175.367,"endTime":2180.647,"body":"what you make from your plan A but anyone"},{"speaker":"Carrie Bohlig","startTime":2180.652,"endTime":2184.284,"body":"on the listening end of this, have a sense"},{"speaker":"Carrie Bohlig","startTime":2180.652,"endTime":2184.284,"body":"of urgency and what we did in our twenties"},{"speaker":"Carrie Bohlig","startTime":2184.284,"endTime":2189.444,"body":"completely set up our thirties and our"},{"speaker":"Carrie Bohlig","startTime":2184.284,"endTime":2189.444,"body":"lifestyle, our whole life really well."},{"speaker":"Carrie Bohlig","startTime":2189.444,"endTime":2190.284,"body":"Let's set up our whole life."},{"speaker":"Carrie Bohlig","startTime":2190.284,"endTime":2192.354,"body":"I just haven't experienced"},{"speaker":"Carrie Bohlig","startTime":2190.284,"endTime":2192.354,"body":"my forties yet, but."},{"speaker":"Average Joe Finances","startTime":2192.979,"endTime":2195.079,"body":"Yeah, you got,"},{"speaker":"Average Joe Finances","startTime":2192.979,"endTime":2195.079,"body":"you guys definitely started much younger"},{"speaker":"Average Joe Finances","startTime":2195.079,"endTime":2197.934,"body":"than me and you're definitely in a good"},{"speaker":"Average Joe Finances","startTime":2195.079,"endTime":2197.934,"body":"spot, but one thing you just said that"},{"speaker":"Average Joe Finances","startTime":2197.934,"endTime":2201.864,"body":"I want to point out, which I thought was"},{"speaker":"Average Joe Finances","startTime":2197.934,"endTime":2201.864,"body":"huge, is focused on big solutions, right?"},{"speaker":"Average Joe Finances","startTime":2202.014,"endTime":2202.224,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":2202.235,"endTime":2202.938,"body":"Absolutely."},{"speaker":"Average Joe Finances","startTime":2202.998,"endTime":2206.09,"body":"Cause if if you're not planning"},{"speaker":"Average Joe Finances","startTime":2202.998,"endTime":2206.09,"body":"your life five to 10 years in"},{"speaker":"Average Joe Finances","startTime":2206.09,"endTime":2208.11,"body":"advance, then what are you doing?"},{"speaker":"Average Joe Finances","startTime":2208.118,"endTime":2210.248,"body":"Are you just waking up and living"},{"speaker":"Average Joe Finances","startTime":2208.118,"endTime":2210.248,"body":"every day and saying, okay,"},{"speaker":"Average Joe Finances","startTime":2210.248,"endTime":2211.478,"body":"we'll see what tomorrow brings."},{"speaker":"Average Joe Finances","startTime":2211.493,"endTime":2215.318,"body":"You need to plan, you need to have big"},{"speaker":"Average Joe Finances","startTime":2211.493,"endTime":2215.318,"body":"solutions or this picture of grander"},{"speaker":"Average Joe Finances","startTime":2215.355,"endTime":2219.235,"body":"that your future, like what your"},{"speaker":"Average Joe Finances","startTime":2215.355,"endTime":2219.235,"body":"life is going to be in the future."},{"speaker":"Average Joe Finances","startTime":2219.265,"endTime":2222.235,"body":"If you don't have some type of"},{"speaker":"Average Joe Finances","startTime":2219.265,"endTime":2222.235,"body":"foundation like that, you're not gonna,"},{"speaker":"Average Joe Finances","startTime":2222.235,"endTime":2223.315,"body":"you're not going to push yourself."},{"speaker":"Average Joe Finances","startTime":2223.349,"endTime":2224.249,"body":"You need to set dates."},{"speaker":"Carrie Bohlig","startTime":2224.399,"endTime":2225.299,"body":"Yeah, absolutely."},{"speaker":"Carrie Bohlig","startTime":2225.299,"endTime":2226.949,"body":"And then the other thing"},{"speaker":"Carrie Bohlig","startTime":2225.299,"endTime":2226.949,"body":"I would say is just having"},{"speaker":"Carrie Bohlig","startTime":2226.949,"endTime":2228.869,"body":"fluidity in terms of the roles."},{"speaker":"Carrie Bohlig","startTime":2228.897,"endTime":2232.063,"body":"There's a lot of stay-at-home parents,"},{"speaker":"Carrie Bohlig","startTime":2228.897,"endTime":2232.063,"body":"there's a lot of working parents."},{"speaker":"Carrie Bohlig","startTime":2232.363,"endTime":2233.809,"body":"There's like a great divide."},{"speaker":"Carrie Bohlig","startTime":2233.859,"endTime":2237.879,"body":"But I think it's neat to have fluidity of"},{"speaker":"Carrie Bohlig","startTime":2233.859,"endTime":2237.879,"body":"being able to be a full-time parent, but"},{"speaker":"Carrie Bohlig","startTime":2237.879,"endTime":2241.762,"body":"also be an entrepreneur, get on a zoom"},{"speaker":"Carrie Bohlig","startTime":2237.879,"endTime":2241.762,"body":"call and talk to a bunch of entrepreneurs"},{"speaker":"Carrie Bohlig","startTime":2241.762,"endTime":2245.067,"body":"and train them in and empower them and"},{"speaker":"Carrie Bohlig","startTime":2241.762,"endTime":2245.067,"body":"then go read books to my kids and put them"},{"speaker":"Carrie Bohlig","startTime":2245.067,"endTime":2249.425,"body":"to bed, or, just have that option every"},{"speaker":"Carrie Bohlig","startTime":2245.067,"endTime":2249.425,"body":"day on how I want to carve and create."},{"speaker":"Carrie Bohlig","startTime":2249.935,"endTime":2254.269,"body":"My role, I think is just a real blessing"},{"speaker":"Carrie Bohlig","startTime":2249.935,"endTime":2254.269,"body":"and an honor, and I'm grateful that"},{"speaker":"Carrie Bohlig","startTime":2254.269,"endTime":2256.969,"body":"I've been able to create that in my"},{"speaker":"Carrie Bohlig","startTime":2254.269,"endTime":2256.969,"body":"life because I think it's hard to be"},{"speaker":"Carrie Bohlig","startTime":2256.969,"endTime":2258.949,"body":"like very fixed in terms of our role."},{"speaker":"Craig Clickner","startTime":2260.364,"endTime":2260.574,"body":"Yeah."},{"speaker":"Craig Clickner","startTime":2260.633,"endTime":2262.063,"body":"The best way I can describe it."},{"speaker":"Craig Clickner","startTime":2262.063,"endTime":2265.061,"body":"It's if do you ever, when you were"},{"speaker":"Craig Clickner","startTime":2262.063,"endTime":2265.061,"body":"a kid, those of us in the Midwest or"},{"speaker":"Craig Clickner","startTime":2265.061,"endTime":2268.179,"body":"north Midwest would have this, but you"},{"speaker":"Craig Clickner","startTime":2265.061,"endTime":2268.179,"body":"can relate maybe on a holiday where"},{"speaker":"Craig Clickner","startTime":2268.179,"endTime":2271.239,"body":"you wake up and you get ready to go to"},{"speaker":"Craig Clickner","startTime":2268.179,"endTime":2271.239,"body":"work or you get ready to go to school."},{"speaker":"Craig Clickner","startTime":2271.239,"endTime":2273.969,"body":"And then you realize,"},{"speaker":"Craig Clickner","startTime":2271.239,"endTime":2273.969,"body":"oh man, it's labor day."},{"speaker":"Craig Clickner","startTime":2274.059,"endTime":2275.614,"body":"I don't have to go to school today."},{"speaker":"Craig Clickner","startTime":2275.64,"endTime":2279.191,"body":"And you're just like, or like we had"},{"speaker":"Craig Clickner","startTime":2275.64,"endTime":2279.191,"body":"snow days, it was like, you'd go to bed"},{"speaker":"Craig Clickner","startTime":2279.191,"endTime":2280.361,"body":"and be like, oh, I hope it's a snow day."},{"speaker":"Craig Clickner","startTime":2280.361,"endTime":2282.581,"body":"And then there'd just be, all this"},{"speaker":"Craig Clickner","startTime":2280.361,"endTime":2282.581,"body":"snow in school would be canceled."},{"speaker":"Craig Clickner","startTime":2282.581,"endTime":2285.981,"body":"It's like that feeling of man, I"},{"speaker":"Craig Clickner","startTime":2282.581,"endTime":2285.981,"body":"can do whatever I want with my day."},{"speaker":"Craig Clickner","startTime":2286.611,"endTime":2290.221,"body":"And I think that is the feeling"},{"speaker":"Craig Clickner","startTime":2286.611,"endTime":2290.221,"body":"that you can have every day."},{"speaker":"Craig Clickner","startTime":2290.221,"endTime":2293.924,"body":"If you've customized and built a life"},{"speaker":"Craig Clickner","startTime":2290.221,"endTime":2293.924,"body":"and set yourself up to, to be able"},{"speaker":"Craig Clickner","startTime":2293.924,"endTime":2295.634,"body":"to actually authentically create it."},{"speaker":"Craig Clickner","startTime":2295.634,"endTime":2300.464,"body":"And there's a lot of things worth"},{"speaker":"Craig Clickner","startTime":2295.634,"endTime":2300.464,"body":"fighting for, I think that buying back"},{"speaker":"Craig Clickner","startTime":2300.464,"endTime":2303.028,"body":"your life is a worthy and a noble cause."},{"speaker":"Craig Clickner","startTime":2303.028,"endTime":2304.708,"body":"And I think the world is a better place."},{"speaker":"Craig Clickner","startTime":2304.708,"endTime":2307.318,"body":"If more people wake up and get"},{"speaker":"Craig Clickner","startTime":2304.708,"endTime":2307.318,"body":"to do what they love doesn't"},{"speaker":"Craig Clickner","startTime":2307.318,"endTime":2308.728,"body":"mean you retire from life."},{"speaker":"Craig Clickner","startTime":2309.058,"endTime":2312.118,"body":"You just retire from having to work"},{"speaker":"Craig Clickner","startTime":2309.058,"endTime":2312.118,"body":"for someone else to need the money."},{"speaker":"Craig Clickner","startTime":2312.185,"endTime":2315.324,"body":"And we highly recommend"},{"speaker":"Craig Clickner","startTime":2312.185,"endTime":2315.324,"body":"pursuing that for most people."},{"speaker":"Craig Clickner","startTime":2315.324,"endTime":2318.779,"body":"And it's it's been such a great and"},{"speaker":"Craig Clickner","startTime":2315.324,"endTime":2318.779,"body":"rewarding experience for us, for sure."},{"speaker":"Average Joe Finances","startTime":2319.136,"endTime":2321.22,"body":"You're claiming"},{"speaker":"Average Joe Finances","startTime":2319.136,"endTime":2321.22,"body":"your time back, you're getting that"},{"speaker":"Average Joe Finances","startTime":2321.37,"endTime":2326.526,"body":"freedom and the way I look at it is I"},{"speaker":"Average Joe Finances","startTime":2321.37,"endTime":2326.526,"body":"don't plan to like, I'm going to retire"},{"speaker":"Average Joe Finances","startTime":2326.526,"endTime":2329.736,"body":"from the Navy, and even when I fully"},{"speaker":"Average Joe Finances","startTime":2326.526,"endTime":2329.736,"body":"retire, it's not that I'm going to,"},{"speaker":"Average Joe Finances","startTime":2329.976,"endTime":2331.056,"body":"I'm never going to consider myself."},{"speaker":"Average Joe Finances","startTime":2331.826,"endTime":2334.825,"body":"Retired, I'm going to consider"},{"speaker":"Average Joe Finances","startTime":2331.826,"endTime":2334.825,"body":"myself financially independent"},{"speaker":"Average Joe Finances","startTime":2334.825,"endTime":2337.075,"body":"and living how I want to live."},{"speaker":"Average Joe Finances","startTime":2337.116,"endTime":2339.786,"body":"I get to wake up and choose"},{"speaker":"Average Joe Finances","startTime":2337.116,"endTime":2339.786,"body":"what I want to do with my life."},{"speaker":"Average Joe Finances","startTime":2340.266,"endTime":2343.605,"body":"And that, that's the whole part"},{"speaker":"Average Joe Finances","startTime":2340.266,"endTime":2343.605,"body":"of financial freedom, right?"},{"speaker":"Average Joe Finances","startTime":2343.605,"endTime":2347.055,"body":"Is the actual freedom part, the freedom"},{"speaker":"Average Joe Finances","startTime":2343.605,"endTime":2347.055,"body":"to be able to do what you want to do."},{"speaker":"Average Joe Finances","startTime":2347.675,"endTime":2351.728,"body":"And, sometimes I'll take a couple,"},{"speaker":"Average Joe Finances","startTime":2347.675,"endTime":2351.728,"body":"days off work or I'll take a week"},{"speaker":"Average Joe Finances","startTime":2351.728,"endTime":2355.812,"body":"or two off work and I'll just live"},{"speaker":"Average Joe Finances","startTime":2351.728,"endTime":2355.812,"body":"the life that I know I'm going"},{"speaker":"Average Joe Finances","startTime":2355.812,"endTime":2357.372,"body":"to live outside of the military."},{"speaker":"Average Joe Finances","startTime":2357.792,"endTime":2358.842,"body":"And I'm like, okay."},{"speaker":"Average Joe Finances","startTime":2358.842,"endTime":2361.722,"body":"So I build out my plan for the week,"},{"speaker":"Average Joe Finances","startTime":2358.842,"endTime":2361.722,"body":"like what I'm going to do with my"},{"speaker":"Average Joe Finances","startTime":2361.722,"endTime":2364.152,"body":"business, with them and deal with"},{"speaker":"Average Joe Finances","startTime":2361.722,"endTime":2364.152,"body":"real estate who I'm going to call,"},{"speaker":"Average Joe Finances","startTime":2364.152,"endTime":2367.122,"body":"what follow-ups I need to do and just"},{"speaker":"Average Joe Finances","startTime":2364.152,"endTime":2367.122,"body":"picture what it's going to be like."},{"speaker":"Average Joe Finances","startTime":2367.122,"endTime":2369.442,"body":"And I'm like I didn't have"},{"speaker":"Average Joe Finances","startTime":2367.122,"endTime":2369.442,"body":"to get up at four 30 or five"},{"speaker":"Average Joe Finances","startTime":2369.442,"endTime":2370.582,"body":"o'clock in the morning today."},{"speaker":"Average Joe Finances","startTime":2370.612,"endTime":2371.812,"body":"I was able to get up a little bit later."},{"speaker":"Average Joe Finances","startTime":2372.472,"endTime":2375.622,"body":"I was able to get some coffee and go"},{"speaker":"Average Joe Finances","startTime":2372.472,"endTime":2375.622,"body":"work out before I even started my day."},{"speaker":"Average Joe Finances","startTime":2375.892,"endTime":2376.942,"body":"That is fantastic."},{"speaker":"Average Joe Finances","startTime":2376.972,"endTime":2378.532,"body":"I can't wait for this to be reality."},{"speaker":"Average Joe Finances","startTime":2378.892,"endTime":2383.738,"body":"So it's little things like that motivate"},{"speaker":"Average Joe Finances","startTime":2378.892,"endTime":2383.738,"body":"me and keep pushing me towards, this goal."},{"speaker":"Average Joe Finances","startTime":2383.748,"endTime":2388.085,"body":"And going back to what you said to Carrie"},{"speaker":"Average Joe Finances","startTime":2383.748,"endTime":2388.085,"body":"about fluidity, that's super important"},{"speaker":"Average Joe Finances","startTime":2388.085,"endTime":2390.119,"body":"because We homeschool our kids, right?"},{"speaker":"Average Joe Finances","startTime":2390.119,"endTime":2394.829,"body":"So we need to have fluidity because"},{"speaker":"Average Joe Finances","startTime":2390.119,"endTime":2394.829,"body":"things change on a dime like that."},{"speaker":"Average Joe Finances","startTime":2395.129,"endTime":2398.579,"body":"And the wonderful part about being"},{"speaker":"Average Joe Finances","startTime":2395.129,"endTime":2398.579,"body":"able to homeschool our kids, especially"},{"speaker":"Average Joe Finances","startTime":2398.579,"endTime":2400.334,"body":"with my current career in the military."},{"speaker":"Average Joe Finances","startTime":2400.334,"endTime":2403.767,"body":"That when I get the opportunity"},{"speaker":"Average Joe Finances","startTime":2400.334,"endTime":2403.767,"body":"to take time off, I don't have"},{"speaker":"Average Joe Finances","startTime":2403.767,"endTime":2406.047,"body":"to worry about whether or not"},{"speaker":"Average Joe Finances","startTime":2403.767,"endTime":2406.047,"body":"my kids can have off of school."},{"speaker":"Average Joe Finances","startTime":2406.107,"endTime":2406.557,"body":"Oh yeah."},{"speaker":"Average Joe Finances","startTime":2406.557,"endTime":2407.457,"body":"You can have off school."},{"speaker":"Average Joe Finances","startTime":2407.457,"endTime":2410.852,"body":"We're your teachers done, but"},{"speaker":"Average Joe Finances","startTime":2407.457,"endTime":2410.852,"body":"we do year round schooling."},{"speaker":"Average Joe Finances","startTime":2410.852,"endTime":2415.116,"body":"We, they don't get like a summer"},{"speaker":"Average Joe Finances","startTime":2410.852,"endTime":2415.116,"body":"vacation and it's easy to do in Hawaii"},{"speaker":"Average Joe Finances","startTime":2415.116,"endTime":2416.626,"body":"because we live in endless summer."},{"speaker":"Average Joe Finances","startTime":2417.236,"endTime":2419.716,"body":"Right now, going back to what you're"},{"speaker":"Average Joe Finances","startTime":2417.236,"endTime":2419.716,"body":"saying about being from the Midwest,"},{"speaker":"Average Joe Finances","startTime":2419.716,"endTime":2421.336,"body":"I grew up in long island, New York."},{"speaker":"Average Joe Finances","startTime":2421.636,"endTime":2424.936,"body":"So I know what it's like to have"},{"speaker":"Average Joe Finances","startTime":2421.636,"endTime":2424.936,"body":"that snow day and wake up and look"},{"speaker":"Average Joe Finances","startTime":2424.936,"endTime":2428.115,"body":"outside and be like, yes, until"},{"speaker":"Average Joe Finances","startTime":2424.936,"endTime":2428.115,"body":"you, watch the news at all, the"},{"speaker":"Average Joe Finances","startTime":2428.115,"endTime":2429.465,"body":"schools are closed except for yours."},{"speaker":"Average Joe Finances","startTime":2429.465,"endTime":2433.678,"body":"that was always a disappointment, but"},{"speaker":"Average Joe Finances","startTime":2429.465,"endTime":2433.678,"body":"there was days where did close and and"},{"speaker":"Average Joe Finances","startTime":2433.698,"endTime":2436.931,"body":"there was something very liberating about"},{"speaker":"Average Joe Finances","startTime":2433.698,"endTime":2436.931,"body":"that, that, even from your childhood that"},{"speaker":"Average Joe Finances","startTime":2436.931,"endTime":2440.861,"body":"you could bring into adulthood, if you set"},{"speaker":"Average Joe Finances","startTime":2436.931,"endTime":2440.861,"body":"yourself up correctly and you set these"},{"speaker":"Average Joe Finances","startTime":2440.861,"endTime":2444.641,"body":"goals and you have your goal oriented"},{"speaker":"Average Joe Finances","startTime":2440.861,"endTime":2444.641,"body":"and you have the right mindset, you can"},{"speaker":"Average Joe Finances","startTime":2444.641,"endTime":2448.891,"body":"set yourself up to where that freedom"},{"speaker":"Average Joe Finances","startTime":2444.641,"endTime":2448.891,"body":"becomes reality for the rest of your life."},{"speaker":"Average Joe Finances","startTime":2449.321,"endTime":2452.903,"body":"And, you don't need to look at the"},{"speaker":"Average Joe Finances","startTime":2449.321,"endTime":2452.903,"body":"traditional, I'm going to retire at 65"},{"speaker":"Average Joe Finances","startTime":2452.935,"endTime":2456.523,"body":"any more, it, you don't even have to"},{"speaker":"Average Joe Finances","startTime":2452.935,"endTime":2456.523,"body":"even worry about that word retirement."},{"speaker":"Average Joe Finances","startTime":2456.553,"endTime":2460.082,"body":"You should just focus on freedom"},{"speaker":"Average Joe Finances","startTime":2456.553,"endTime":2460.082,"body":"and being financially independent."},{"speaker":"Average Joe Finances","startTime":2460.127,"endTime":2462.86,"body":"That's the gist I'm getting out of"},{"speaker":"Average Joe Finances","startTime":2460.127,"endTime":2462.86,"body":"this conversation with you guys."},{"speaker":"Average Joe Finances","startTime":2462.86,"endTime":2464.42,"body":"And I absolutely love it."},{"speaker":"Average Joe Finances","startTime":2464.51,"endTime":2465.71,"body":"I love your mindset."},{"speaker":"Average Joe Finances","startTime":2465.71,"endTime":2468.408,"body":"I love where you guys are at and"},{"speaker":"Average Joe Finances","startTime":2465.71,"endTime":2468.408,"body":"everything that you're doing."},{"speaker":"Average Joe Finances","startTime":2468.42,"endTime":2469.34,"body":"So I want to ask you."},{"speaker":"Average Joe Finances","startTime":2469.95,"endTime":2471.69,"body":"One more important question."},{"speaker":"Average Joe Finances","startTime":2472.08,"endTime":2472.38,"body":"All right."},{"speaker":"Average Joe Finances","startTime":2472.38,"endTime":2474.15,"body":"So this is for the audience right now."},{"speaker":"Average Joe Finances","startTime":2474.15,"endTime":2479.487,"body":"This is for somebody who's listening and"},{"speaker":"Average Joe Finances","startTime":2474.15,"endTime":2479.487,"body":"they just got themselves out of debt and"},{"speaker":"Average Joe Finances","startTime":2479.487,"endTime":2482.337,"body":"they're working at a nine to five that"},{"speaker":"Average Joe Finances","startTime":2479.487,"endTime":2482.337,"body":"they don't really like, and they want"},{"speaker":"Average Joe Finances","startTime":2482.337,"endTime":2486.387,"body":"to start a side hustle and maybe start"},{"speaker":"Average Joe Finances","startTime":2482.337,"endTime":2486.387,"body":"building their business so that they could"},{"speaker":"Average Joe Finances","startTime":2486.387,"endTime":2488.517,"body":"eventually leave that nine to five job."},{"speaker":"Average Joe Finances","startTime":2489.027,"endTime":2492.867,"body":"Are there any tips or tricks that the"},{"speaker":"Average Joe Finances","startTime":2489.027,"endTime":2492.867,"body":"two of you would recommend,for them to"},{"speaker":"Average Joe Finances","startTime":2492.867,"endTime":2494.568,"body":"start looking at the very beginning."},{"speaker":"Craig Clickner","startTime":2494.934,"endTime":2495.624,"body":"Yes."},{"speaker":"Craig Clickner","startTime":2495.704,"endTime":2500.654,"body":"The first goal should be, what do you"},{"speaker":"Craig Clickner","startTime":2495.704,"endTime":2500.654,"body":"want your side hustle to accomplish?"},{"speaker":"Craig Clickner","startTime":2500.707,"endTime":2506.227,"body":"So we say there's an epidemic of people"},{"speaker":"Craig Clickner","startTime":2500.707,"endTime":2506.227,"body":"starting side hustles, but there's a"},{"speaker":"Craig Clickner","startTime":2506.287,"endTime":2508.207,"body":"epidemic of people not finishing them."},{"speaker":"Craig Clickner","startTime":2508.207,"endTime":2511.357,"body":"And we want to teach you, but how to"},{"speaker":"Craig Clickner","startTime":2508.207,"endTime":2511.357,"body":"finish, the only way you can finish is"},{"speaker":"Craig Clickner","startTime":2511.357,"endTime":2512.947,"body":"when you know what finishing looks like."},{"speaker":"Craig Clickner","startTime":2513.707,"endTime":2517.547,"body":"So does that mean you want to create"},{"speaker":"Craig Clickner","startTime":2513.707,"endTime":2517.547,"body":"$2,000 in extra income a month?"},{"speaker":"Craig Clickner","startTime":2517.907,"endTime":2521.837,"body":"You need $50,000 in passive income,"},{"speaker":"Craig Clickner","startTime":2517.907,"endTime":2521.837,"body":"or do you want to build something up?"},{"speaker":"Craig Clickner","startTime":2521.837,"endTime":2523.814,"body":"Like the tent company"},{"speaker":"Craig Clickner","startTime":2521.837,"endTime":2523.814,"body":"we're playing around with?"},{"speaker":"Craig Clickner","startTime":2523.834,"endTime":2527.369,"body":"I like to say like the goal is to"},{"speaker":"Craig Clickner","startTime":2523.834,"endTime":2527.369,"body":"build that to $50 million business"},{"speaker":"Craig Clickner","startTime":2527.369,"endTime":2528.989,"body":"and flip it in five or six years."},{"speaker":"Craig Clickner","startTime":2529.139,"endTime":2531.149,"body":"So those are like all different goals."},{"speaker":"Craig Clickner","startTime":2531.419,"endTime":2534.659,"body":"And so if you don't know what"},{"speaker":"Craig Clickner","startTime":2531.419,"endTime":2534.659,"body":"kind of life you want to live."},{"speaker":"Craig Clickner","startTime":2534.689,"endTime":2537.089,"body":"So this is an important question because"},{"speaker":"Craig Clickner","startTime":2534.689,"endTime":2537.089,"body":"a lot of people, so what do I do?"},{"speaker":"Craig Clickner","startTime":2537.089,"endTime":2537.599,"body":"What do I do?"},{"speaker":"Craig Clickner","startTime":2537.599,"endTime":2538.199,"body":"What do I do?"},{"speaker":"Craig Clickner","startTime":2538.261,"endTime":2538.371,"body":"No."},{"speaker":"Craig Clickner","startTime":2538.391,"endTime":2540.991,"body":"Take a step back and be"},{"speaker":"Craig Clickner","startTime":2538.391,"endTime":2540.991,"body":"like, how do I want to live?"},{"speaker":"Craig Clickner","startTime":2541.056,"endTime":2541.946,"body":"Who do I want to be?"},{"speaker":"Craig Clickner","startTime":2541.946,"endTime":2544.206,"body":"Be like, what kind of"},{"speaker":"Craig Clickner","startTime":2541.946,"endTime":2544.206,"body":"person do I want to be?"},{"speaker":"Craig Clickner","startTime":2544.476,"endTime":2545.706,"body":"Start to map that out."},{"speaker":"Craig Clickner","startTime":2545.706,"endTime":2548.316,"body":"We call it a life vision, and"},{"speaker":"Craig Clickner","startTime":2545.706,"endTime":2548.316,"body":"we have a downloadable of how to"},{"speaker":"Craig Clickner","startTime":2548.316,"endTime":2549.936,"body":"put that together on our website."},{"speaker":"Craig Clickner","startTime":2549.936,"endTime":2553.176,"body":"And then now take a step back"},{"speaker":"Craig Clickner","startTime":2549.936,"endTime":2553.176,"body":"and be like, okay, what, how does"},{"speaker":"Craig Clickner","startTime":2553.176,"endTime":2554.436,"body":"my side hustle fit into that?"},{"speaker":"Craig Clickner","startTime":2555.606,"endTime":2559.356,"body":"Then I can identify the right"},{"speaker":"Craig Clickner","startTime":2555.606,"endTime":2559.356,"body":"vehicle and the right side hustle"},{"speaker":"Craig Clickner","startTime":2559.566,"endTime":2563.074,"body":"and the right people who have the"},{"speaker":"Craig Clickner","startTime":2559.566,"endTime":2563.074,"body":"lifestyle that I want to manifest."},{"speaker":"Craig Clickner","startTime":2563.434,"endTime":2566.524,"body":"And so if you take a little bit more"},{"speaker":"Craig Clickner","startTime":2563.434,"endTime":2566.524,"body":"of a global perspective first and"},{"speaker":"Craig Clickner","startTime":2566.524,"endTime":2570.394,"body":"then drill down into what does the"},{"speaker":"Craig Clickner","startTime":2566.524,"endTime":2570.394,"body":"site us all need to do that allows you"},{"speaker":"Craig Clickner","startTime":2570.394,"endTime":2574.174,"body":"way more ability to actually succeed"},{"speaker":"Craig Clickner","startTime":2570.394,"endTime":2574.174,"body":"in, finish it, versus just start it."},{"speaker":"Craig Clickner","startTime":2574.474,"endTime":2578.661,"body":"And one of the things that we like to"},{"speaker":"Craig Clickner","startTime":2574.474,"endTime":2578.661,"body":"teach people how to do is how to evaluate"},{"speaker":"Craig Clickner","startTime":2578.661,"endTime":2583.158,"body":"businesses because most people are stuck"},{"speaker":"Craig Clickner","startTime":2578.661,"endTime":2583.158,"body":"being trained, how to evaluate them."},{"speaker":"Craig Clickner","startTime":2583.158,"endTime":2584.805,"body":"We've been trained how"},{"speaker":"Craig Clickner","startTime":2583.158,"endTime":2584.805,"body":"to evaluate products."},{"speaker":"Craig Clickner","startTime":2585.045,"endTime":2589.035,"body":"Very few people have been trained how to"},{"speaker":"Craig Clickner","startTime":2585.045,"endTime":2589.035,"body":"evaluate a business system or a model."},{"speaker":"Craig Clickner","startTime":2589.305,"endTime":2592.563,"body":"And again, we have in the book, like some"},{"speaker":"Craig Clickner","startTime":2589.305,"endTime":2592.563,"body":"spots where you can actually start to"},{"speaker":"Craig Clickner","startTime":2592.563,"endTime":2594.453,"body":"rack and stack different business options."},{"speaker":"Craig Clickner","startTime":2594.453,"endTime":2595.473,"body":"Do I want to be an agent?"},{"speaker":"Craig Clickner","startTime":2595.593,"endTime":2598.916,"body":"Do I want to do buy and hold or do"},{"speaker":"Craig Clickner","startTime":2595.593,"endTime":2598.916,"body":"I want to do commercial real estate?"},{"speaker":"Craig Clickner","startTime":2598.947,"endTime":2601.437,"body":"So these are like just within real"},{"speaker":"Craig Clickner","startTime":2598.947,"endTime":2601.437,"body":"estate, several different options."},{"speaker":"Craig Clickner","startTime":2601.437,"endTime":2604.167,"body":"So I think people need to start"},{"speaker":"Craig Clickner","startTime":2601.437,"endTime":2604.167,"body":"thinking about what capital do I have?"},{"speaker":"Craig Clickner","startTime":2604.167,"endTime":2604.887,"body":"Where do I want to go?"},{"speaker":"Craig Clickner","startTime":2604.887,"endTime":2605.757,"body":"What do I want to accomplish?"},{"speaker":"Craig Clickner","startTime":2605.811,"endTime":2606.831,"body":"What am I willing to risk?"},{"speaker":"Craig Clickner","startTime":2606.898,"endTime":2609.589,"body":"And then that starts to give you a"},{"speaker":"Craig Clickner","startTime":2606.898,"endTime":2609.589,"body":"little bit more parameters around that."},{"speaker":"Craig Clickner","startTime":2609.589,"endTime":2612.439,"body":"And then I don't know if you want"},{"speaker":"Craig Clickner","startTime":2609.589,"endTime":2612.439,"body":"to add anything of course, to your"},{"speaker":"Craig Clickner","startTime":2612.439,"endTime":2613.819,"body":"top recommendation for someone."},{"speaker":"Carrie Bohlig","startTime":2614.059,"endTime":2614.495,"body":"Yeah."},{"speaker":"Carrie Bohlig","startTime":2614.523,"endTime":2616.113,"body":"We talked about sweat equity, Mike."},{"speaker":"Carrie Bohlig","startTime":2616.143,"endTime":2619.143,"body":"I think it's also figuring out what"},{"speaker":"Carrie Bohlig","startTime":2616.143,"endTime":2619.143,"body":"is the right work and where should"},{"speaker":"Carrie Bohlig","startTime":2619.143,"endTime":2620.883,"body":"the bulk of your time be going?"},{"speaker":"Carrie Bohlig","startTime":2620.883,"endTime":2624.448,"body":"Because a lot of times, side hustlers,"},{"speaker":"Carrie Bohlig","startTime":2620.883,"endTime":2624.448,"body":"they're excited about the fun, easy"},{"speaker":"Carrie Bohlig","startTime":2624.448,"endTime":2626.878,"body":"stuff and stuff they like, right?"},{"speaker":"Carrie Bohlig","startTime":2626.878,"endTime":2627.178,"body":"Yeah."},{"speaker":"Carrie Bohlig","startTime":2627.178,"endTime":2629.638,"body":"There's stuff that comes"},{"speaker":"Carrie Bohlig","startTime":2627.178,"endTime":2629.638,"body":"naturally and that's easy."},{"speaker":"Carrie Bohlig","startTime":2629.638,"endTime":2630.748,"body":"It doesn't have a lot of resistance."},{"speaker":"Carrie Bohlig","startTime":2631.618,"endTime":2633.718,"body":"Mentally emotionally"},{"speaker":"Carrie Bohlig","startTime":2631.618,"endTime":2633.718,"body":"or physically for them."},{"speaker":"Carrie Bohlig","startTime":2633.928,"endTime":2637.348,"body":"So it's maybe like getting the business"},{"speaker":"Carrie Bohlig","startTime":2633.928,"endTime":2637.348,"body":"card set up or getting the website,"},{"speaker":"Carrie Bohlig","startTime":2637.348,"endTime":2640.488,"body":"things that kind of feed their self"},{"speaker":"Carrie Bohlig","startTime":2637.348,"endTime":2640.488,"body":"image and make them puff out their chest."},{"speaker":"Carrie Bohlig","startTime":2640.488,"endTime":2641.78,"body":"Yeah, I am legit."},{"speaker":"Carrie Bohlig","startTime":2641.78,"endTime":2644.951,"body":"I'm a business owner now, but what"},{"speaker":"Carrie Bohlig","startTime":2641.78,"endTime":2644.951,"body":"actually helps you is like getting your"},{"speaker":"Carrie Bohlig","startTime":2644.951,"endTime":2649.181,"body":"first sale, focusing on networking,"},{"speaker":"Carrie Bohlig","startTime":2644.951,"endTime":2649.181,"body":"learning the skills to network."},{"speaker":"Carrie Bohlig","startTime":2649.233,"endTime":2650.763,"body":"There's all these things"},{"speaker":"Carrie Bohlig","startTime":2649.233,"endTime":2650.763,"body":"that like might just."},{"speaker":"Carrie Bohlig","startTime":2651.353,"endTime":2654.893,"body":"Tougher climb for people, but really"},{"speaker":"Carrie Bohlig","startTime":2651.353,"endTime":2654.893,"body":"makes the biggest difference in creating"},{"speaker":"Carrie Bohlig","startTime":2654.893,"endTime":2657.173,"body":"revenue and over time net profit."},{"speaker":"Carrie Bohlig","startTime":2657.173,"endTime":2660.683,"body":"And so I urge people as we talk"},{"speaker":"Carrie Bohlig","startTime":2657.173,"endTime":2660.683,"body":"about coaching, like having someone"},{"speaker":"Carrie Bohlig","startTime":2660.683,"endTime":2663.923,"body":"who has a Bleacher seat on their"},{"speaker":"Carrie Bohlig","startTime":2660.683,"endTime":2663.923,"body":"life vision to Craig's point, as"},{"speaker":"Carrie Bohlig","startTime":2663.923,"endTime":2665.693,"body":"well as their current set of skills."},{"speaker":"Carrie Bohlig","startTime":2666.023,"endTime":2669.383,"body":"And what is the gap analysis on"},{"speaker":"Carrie Bohlig","startTime":2666.023,"endTime":2669.383,"body":"areas they're going to need to grow"},{"speaker":"Carrie Bohlig","startTime":2669.623,"endTime":2673.283,"body":"and really find point areas that are"},{"speaker":"Carrie Bohlig","startTime":2669.623,"endTime":2673.283,"body":"going to need the most amount of their"},{"speaker":"Carrie Bohlig","startTime":2673.283,"endTime":2675.412,"body":"investment to create, to yield the most."},{"speaker":"Carrie Bohlig","startTime":2675.44,"endTime":2677.57,"body":"And actually create the"},{"speaker":"Carrie Bohlig","startTime":2675.44,"endTime":2677.57,"body":"wins and the end game for."},{"speaker":"Carrie Bohlig","startTime":2677.591,"endTime":2681.551,"body":"And then just changing the mindset"},{"speaker":"Carrie Bohlig","startTime":2677.591,"endTime":2681.551,"body":"too often, people put way more"},{"speaker":"Carrie Bohlig","startTime":2681.551,"endTime":2682.871,"body":"emphasis on the short term."},{"speaker":"Carrie Bohlig","startTime":2682.871,"endTime":2687.491,"body":"I think social media exacerbates it"},{"speaker":"Carrie Bohlig","startTime":2682.871,"endTime":2687.491,"body":"because we see the sexy highlight reels."},{"speaker":"Carrie Bohlig","startTime":2687.52,"endTime":2691.515,"body":"Entrepreneurship is glorified, but"},{"speaker":"Carrie Bohlig","startTime":2687.52,"endTime":2691.515,"body":"the actual day-to-day of business"},{"speaker":"Carrie Bohlig","startTime":2691.515,"endTime":2692.865,"body":"ownership, isn't always easy."},{"speaker":"Carrie Bohlig","startTime":2692.865,"endTime":2694.665,"body":"It's a grind and so many ways."},{"speaker":"Carrie Bohlig","startTime":2694.665,"endTime":2699.045,"body":"So being willing to prime your mindset"},{"speaker":"Carrie Bohlig","startTime":2694.665,"endTime":2699.045,"body":"around doing work for long enough,"},{"speaker":"Carrie Bohlig","startTime":2700.11,"endTime":2703.77,"body":"And long enough, so you can actually"},{"speaker":"Carrie Bohlig","startTime":2700.11,"endTime":2703.77,"body":"reap the rewards of what you built."},{"speaker":"Carrie Bohlig","startTime":2703.92,"endTime":2707.34,"body":"A lot of people do enough work in the"},{"speaker":"Carrie Bohlig","startTime":2703.92,"endTime":2707.34,"body":"early stages, but they don't stay around"},{"speaker":"Carrie Bohlig","startTime":2707.34,"endTime":2710.79,"body":"long enough to capture the winds because"},{"speaker":"Carrie Bohlig","startTime":2707.34,"endTime":2710.79,"body":"they just go chase another business."},{"speaker":"Carrie Bohlig","startTime":2710.79,"endTime":2714.33,"body":"Cause it looks easier or shinier"},{"speaker":"Carrie Bohlig","startTime":2710.79,"endTime":2714.33,"body":"or greener on the other side."},{"speaker":"Carrie Bohlig","startTime":2714.75,"endTime":2717.364,"body":"So being willing to like"},{"speaker":"Carrie Bohlig","startTime":2714.75,"endTime":2717.364,"body":"anchor yourself in something."},{"speaker":"Carrie Bohlig","startTime":2717.364,"endTime":2721.894,"body":"And that's why I think as Craig was"},{"speaker":"Carrie Bohlig","startTime":2717.364,"endTime":2721.894,"body":"talking about that deeper upfront analysis"},{"speaker":"Carrie Bohlig","startTime":2721.894,"endTime":2726.424,"body":"of what is the right, what will help"},{"speaker":"Carrie Bohlig","startTime":2721.894,"endTime":2726.424,"body":"you make a good decision on choosing a"},{"speaker":"Carrie Bohlig","startTime":2726.424,"endTime":2730.751,"body":"business environment versus just dabbling"},{"speaker":"Carrie Bohlig","startTime":2726.424,"endTime":2730.751,"body":"in a bunch of things, but then chronically"},{"speaker":"Carrie Bohlig","startTime":2730.751,"endTime":2734.231,"body":"be happening from one business to the"},{"speaker":"Carrie Bohlig","startTime":2730.751,"endTime":2734.231,"body":"next and not actually being patient"},{"speaker":"Carrie Bohlig","startTime":2734.231,"endTime":2736.061,"body":"enough to do the work for long enough."},{"speaker":"Average Joe Finances","startTime":2736.103,"endTime":2736.733,"body":"Absolutely."},{"speaker":"Average Joe Finances","startTime":2736.933,"endTime":2741.711,"body":"That was like a fantastic last tidbit,"},{"speaker":"Average Joe Finances","startTime":2736.933,"endTime":2741.711,"body":"and I just, I want to touch on that"},{"speaker":"Average Joe Finances","startTime":2741.711,"endTime":2745.706,"body":"a little bit because, and I normally"},{"speaker":"Average Joe Finances","startTime":2741.711,"endTime":2745.706,"body":"don't elaborate on that last question,"},{"speaker":"Average Joe Finances","startTime":2745.706,"endTime":2748.454,"body":"but I want to for this, because There"},{"speaker":"Average Joe Finances","startTime":2745.706,"endTime":2748.454,"body":"was something you said carry too."},{"speaker":"Average Joe Finances","startTime":2748.454,"endTime":2749.414,"body":"It was about like the grass."},{"speaker":"Average Joe Finances","startTime":2749.414,"endTime":2750.297,"body":"Isn't always greener."},{"speaker":"Average Joe Finances","startTime":2750.297,"endTime":2752.714,"body":"And a lot of people think, okay,"},{"speaker":"Average Joe Finances","startTime":2750.297,"endTime":2752.714,"body":"I'm going to start my business."},{"speaker":"Average Joe Finances","startTime":2752.714,"endTime":2753.644,"body":"Everything's great."},{"speaker":"Average Joe Finances","startTime":2753.854,"endTime":2754.934,"body":"I got my website up."},{"speaker":"Average Joe Finances","startTime":2754.934,"endTime":2757.394,"body":"It's like all these little things"},{"speaker":"Average Joe Finances","startTime":2754.934,"endTime":2757.394,"body":"that kind of feed your ego and"},{"speaker":"Average Joe Finances","startTime":2757.394,"endTime":2758.654,"body":"you feel like things going great."},{"speaker":"Average Joe Finances","startTime":2758.984,"endTime":2760.724,"body":"And then you start looking"},{"speaker":"Average Joe Finances","startTime":2758.984,"endTime":2760.724,"body":"at your website, then you"},{"speaker":"Average Joe Finances","startTime":2760.724,"endTime":2761.504,"body":"start looking at the status."},{"speaker":"Average Joe Finances","startTime":2762.374,"endTime":2763.544,"body":"Why am I getting no traffic?"},{"speaker":"Average Joe Finances","startTime":2763.574,"endTime":2766.604,"body":"How come nobody, I have an awesome"},{"speaker":"Average Joe Finances","startTime":2763.574,"endTime":2766.604,"body":"product, or I have this and I have that."},{"speaker":"Average Joe Finances","startTime":2766.964,"endTime":2769.094,"body":"Why does nobody want any of this?"},{"speaker":"Average Joe Finances","startTime":2769.484,"endTime":2772.364,"body":"Because what are you doing"},{"speaker":"Average Joe Finances","startTime":2769.484,"endTime":2772.364,"body":"to attract people to you?"},{"speaker":"Average Joe Finances","startTime":2772.364,"endTime":2774.974,"body":"What kind of work and sweat"},{"speaker":"Average Joe Finances","startTime":2772.364,"endTime":2774.974,"body":"equity are you putting into it?"},{"speaker":"Average Joe Finances","startTime":2775.038,"endTime":2777.184,"body":"If you're just building it and"},{"speaker":"Average Joe Finances","startTime":2775.038,"endTime":2777.184,"body":"you think that this is like the"},{"speaker":"Average Joe Finances","startTime":2777.184,"endTime":2779.614,"body":"field of dreams where you could"},{"speaker":"Average Joe Finances","startTime":2777.184,"endTime":2779.614,"body":"build it and they will come, that's"},{"speaker":"Average Joe Finances","startTime":2779.614,"endTime":2780.904,"body":"not how it works in real life."},{"speaker":"Average Joe Finances","startTime":2780.971,"endTime":2783.556,"body":"So you have to put in that effort and."},{"speaker":"Average Joe Finances","startTime":2783.569,"endTime":2786.869,"body":"I that's why I really appreciate"},{"speaker":"Average Joe Finances","startTime":2783.569,"endTime":2786.869,"body":"how you guys really finish that off,"},{"speaker":"Average Joe Finances","startTime":2786.899,"endTime":2790.487,"body":"because that is super important that,"},{"speaker":"Average Joe Finances","startTime":2786.899,"endTime":2790.487,"body":"the grass is not always greener."},{"speaker":"Average Joe Finances","startTime":2790.487,"endTime":2794.016,"body":"And like you said, entrepreneurship"},{"speaker":"Average Joe Finances","startTime":2790.487,"endTime":2794.016,"body":"is very glorified and it's a"},{"speaker":"Average Joe Finances","startTime":2794.016,"endTime":2795.876,"body":"lot of times over-exaggerated."},{"speaker":"Average Joe Finances","startTime":2795.936,"endTime":2796.966,"body":"Cause I know."},{"speaker":"Average Joe Finances","startTime":2797.586,"endTime":2800.586,"body":"With my self on social media, when"},{"speaker":"Average Joe Finances","startTime":2797.586,"endTime":2800.586,"body":"I post certain things, like I will"},{"speaker":"Average Joe Finances","startTime":2800.586,"endTime":2803.82,"body":"over-exaggerate things, but, it's, to"},{"speaker":"Average Joe Finances","startTime":2800.586,"endTime":2803.82,"body":"me, it's important because it's building"},{"speaker":"Average Joe Finances","startTime":2803.82,"endTime":2805.02,"body":"that brand and building that image."},{"speaker":"Average Joe Finances","startTime":2805.05,"endTime":2808.553,"body":"But at the same time, I talk about"},{"speaker":"Average Joe Finances","startTime":2805.05,"endTime":2808.553,"body":"all the work that goes into it and"},{"speaker":"Average Joe Finances","startTime":2808.553,"endTime":2810.173,"body":"you see a lot of people don't do that."},{"speaker":"Average Joe Finances","startTime":2810.203,"endTime":2811.763,"body":"They'll just be like, oh"},{"speaker":"Average Joe Finances","startTime":2810.203,"endTime":2811.763,"body":"yeah, look, I did this."},{"speaker":"Average Joe Finances","startTime":2811.763,"endTime":2812.783,"body":"I've got this much in sales."},{"speaker":"Average Joe Finances","startTime":2812.783,"endTime":2813.593,"body":"I got this, I got that."},{"speaker":"Average Joe Finances","startTime":2813.659,"endTime":2817.259,"body":"But you don't see the behind the"},{"speaker":"Average Joe Finances","startTime":2813.659,"endTime":2817.259,"body":"scenes, you don't see all the effort"},{"speaker":"Average Joe Finances","startTime":2817.259,"endTime":2821.68,"body":"and all the sweat and, breaking back"},{"speaker":"Average Joe Finances","startTime":2817.259,"endTime":2821.68,"body":"that they're doing to get there."},{"speaker":"Average Joe Finances","startTime":2821.95,"endTime":2825.586,"body":"And that's super important that people"},{"speaker":"Average Joe Finances","startTime":2821.95,"endTime":2825.586,"body":"understand that you can't just, create"},{"speaker":"Average Joe Finances","startTime":2825.586,"endTime":2829.156,"body":"something overnight unless you create"},{"speaker":"Average Joe Finances","startTime":2825.586,"endTime":2829.156,"body":"some type of product that is amazing."},{"speaker":"Average Joe Finances","startTime":2829.156,"endTime":2829.906,"body":"And it goes viral."},{"speaker":"Average Joe Finances","startTime":2829.906,"endTime":2833.646,"body":"Hey, if you do awesome, congratulations,"},{"speaker":"Average Joe Finances","startTime":2829.906,"endTime":2833.646,"body":"but not everybody can do that."},{"speaker":"Average Joe Finances","startTime":2833.666,"endTime":2835.576,"body":"You have to build from the bottom."},{"speaker":"Average Joe Finances","startTime":2836.101,"endTime":2837.871,"body":"And take steps and take baby steps."},{"speaker":"Average Joe Finances","startTime":2837.871,"endTime":2840.451,"body":"And so you get to the point"},{"speaker":"Average Joe Finances","startTime":2837.871,"endTime":2840.451,"body":"where you're walking, you go from"},{"speaker":"Average Joe Finances","startTime":2840.451,"endTime":2843.871,"body":"crawling walking to running to"},{"speaker":"Average Joe Finances","startTime":2840.451,"endTime":2843.871,"body":"sprinting, to completing a marathon."},{"speaker":"Carrie Bohlig","startTime":2843.948,"endTime":2846.858,"body":"there are exceptions,"},{"speaker":"Carrie Bohlig","startTime":2843.948,"endTime":2846.858,"body":"but don't bank on being the exception."},{"speaker":"Average Joe Finances","startTime":2846.902,"endTime":2847.574,"body":"Absolutely."},{"speaker":"Average Joe Finances","startTime":2847.604,"endTime":2851.474,"body":"Because if you do, it'll never"},{"speaker":"Average Joe Finances","startTime":2847.604,"endTime":2851.474,"body":"happen for you now, it may happen."},{"speaker":"Average Joe Finances","startTime":2851.474,"endTime":2852.044,"body":"That's great."},{"speaker":"Average Joe Finances","startTime":2852.254,"endTime":2856.004,"body":"But if not, if you keep grinding"},{"speaker":"Average Joe Finances","startTime":2852.254,"endTime":2856.004,"body":"and you keep putting the effort,"},{"speaker":"Average Joe Finances","startTime":2856.004,"endTime":2857.427,"body":"eventually it's going to pay out."},{"speaker":"Average Joe Finances","startTime":2857.427,"endTime":2860.401,"body":"And if you realize that you're doing"},{"speaker":"Average Joe Finances","startTime":2857.427,"endTime":2860.401,"body":"something and you're putting in all"},{"speaker":"Average Joe Finances","startTime":2860.401,"endTime":2864.421,"body":"this effort and it's not paying out,"},{"speaker":"Average Joe Finances","startTime":2860.401,"endTime":2864.421,"body":"you need to reevaluate, see what you"},{"speaker":"Average Joe Finances","startTime":2864.421,"endTime":2867.481,"body":"need to change, or maybe you just"},{"speaker":"Average Joe Finances","startTime":2864.421,"endTime":2867.481,"body":"need to get out of that altogether."},{"speaker":"Average Joe Finances","startTime":2867.516,"endTime":2867.759,"body":"All right."},{"speaker":"Average Joe Finances","startTime":2867.759,"endTime":2870.203,"body":"Craig and Carrie, this has"},{"speaker":"Average Joe Finances","startTime":2867.759,"endTime":2870.203,"body":"been absolutely phenomenal."},{"speaker":"Average Joe Finances","startTime":2870.203,"endTime":2872.183,"body":"I really enjoyed this"},{"speaker":"Average Joe Finances","startTime":2870.203,"endTime":2872.183,"body":"conversation so much."},{"speaker":"Average Joe Finances","startTime":2872.183,"endTime":2875.723,"body":"Now there's going to be people that want"},{"speaker":"Average Joe Finances","startTime":2872.183,"endTime":2875.723,"body":"to know more about you guys and what"},{"speaker":"Average Joe Finances","startTime":2875.723,"endTime":2877.133,"body":"you're all about and what you're doing."},{"speaker":"Average Joe Finances","startTime":2877.133,"endTime":2880.133,"body":"So where can people find"},{"speaker":"Average Joe Finances","startTime":2877.133,"endTime":2880.133,"body":"more information about you?"},{"speaker":"Average Joe Finances","startTime":2880.133,"endTime":2882.263,"body":"Do you have a website you can"},{"speaker":"Average Joe Finances","startTime":2880.133,"endTime":2882.263,"body":"share with us social media."},{"speaker":"Average Joe Finances","startTime":2882.503,"endTime":2883.913,"body":"I know you guys have a podcast."},{"speaker":"Average Joe Finances","startTime":2883.913,"endTime":2885.066,"body":"I'd love to hear about that."},{"speaker":"Average Joe Finances","startTime":2885.066,"endTime":2887.214,"body":"Please share away with"},{"speaker":"Average Joe Finances","startTime":2885.066,"endTime":2887.214,"body":"everything that you've got."},{"speaker":"Carrie Bohlig","startTime":2887.374,"endTime":2888.304,"body":"Yeah, take it away."},{"speaker":"Carrie Bohlig","startTime":2888.514,"endTime":2888.724,"body":"Yeah."},{"speaker":"Carrie Bohlig","startTime":2888.754,"endTime":2891.814,"body":"Our website is tandemconsulting.co."},{"speaker":"Carrie Bohlig","startTime":2891.917,"endTime":2895.337,"body":"We've got a lot of those links and"},{"speaker":"Carrie Bohlig","startTime":2891.917,"endTime":2895.337,"body":"freebies like the evaluator or the"},{"speaker":"Carrie Bohlig","startTime":2895.337,"endTime":2898.411,"body":"life vision doc, if people want to"},{"speaker":"Carrie Bohlig","startTime":2895.337,"endTime":2898.411,"body":"leverage that in any way that also"},{"speaker":"Carrie Bohlig","startTime":2898.411,"endTime":2902.011,"body":"has links to our book on all the"},{"speaker":"Carrie Bohlig","startTime":2898.411,"endTime":2902.011,"body":"major platforms and feeds it's called."},{"speaker":"Carrie Bohlig","startTime":2902.011,"endTime":2903.541,"body":"So you want to start a side hustle?"},{"speaker":"Carrie Bohlig","startTime":2903.541,"endTime":2904.621,"body":"That's the title of the book?"},{"speaker":"Carrie Bohlig","startTime":2904.691,"endTime":2906.071,"body":"We're pretty active on LinkedIn."},{"speaker":"Carrie Bohlig","startTime":2906.071,"endTime":2908.321,"body":"I do a lot of weekly"},{"speaker":"Carrie Bohlig","startTime":2906.071,"endTime":2908.321,"body":"content Craig's on there."},{"speaker":"Carrie Bohlig","startTime":2908.377,"endTime":2912.036,"body":"Putting out a lot of good stuff and then"},{"speaker":"Carrie Bohlig","startTime":2908.377,"endTime":2912.036,"body":"we've got Instagram @tandem.consulting."},{"speaker":"Carrie Bohlig","startTime":2912.186,"endTime":2914.621,"body":"So we're around we're on"},{"speaker":"Carrie Bohlig","startTime":2912.186,"endTime":2914.621,"body":"all the major channels."},{"speaker":"Carrie Bohlig","startTime":2914.621,"endTime":2917.568,"body":"So if we can be of any support or"},{"speaker":"Carrie Bohlig","startTime":2914.621,"endTime":2917.568,"body":"help to people that's our vision"},{"speaker":"Carrie Bohlig","startTime":2917.568,"endTime":2921.775,"body":"and our overall goal and podcast"},{"speaker":"Carrie Bohlig","startTime":2917.568,"endTime":2921.775,"body":"is tandem talks and it's all about"},{"speaker":"Carrie Bohlig","startTime":2921.775,"endTime":2924.305,"body":"entrepreneurship and cool things."},{"speaker":"Carrie Bohlig","startTime":2924.325,"endTime":2927.385,"body":"Interesting ideas, important"},{"speaker":"Carrie Bohlig","startTime":2924.325,"endTime":2927.385,"body":"mindsets to help people, especially"},{"speaker":"Carrie Bohlig","startTime":2927.385,"endTime":2930.025,"body":"from people who have legitimately"},{"speaker":"Carrie Bohlig","startTime":2927.385,"endTime":2930.025,"body":"scaled, large businesses."},{"speaker":"Average Joe Finances","startTime":2930.326,"endTime":2930.686,"body":"Awesome."},{"speaker":"Average Joe Finances","startTime":2930.686,"endTime":2931.514,"body":"Hey Craig and Carrie."},{"speaker":"Average Joe Finances","startTime":2931.514,"endTime":2936.367,"body":"I just want to say thank you again so much"},{"speaker":"Average Joe Finances","startTime":2931.514,"endTime":2936.367,"body":"for taking time to chat with me today."},{"speaker":"Average Joe Finances","startTime":2936.577,"endTime":2938.887,"body":"I'm going to make sure I have all"},{"speaker":"Average Joe Finances","startTime":2936.577,"endTime":2938.887,"body":"those links in the show notes."},{"speaker":"Average Joe Finances","startTime":2938.887,"endTime":2942.757,"body":"So for everybody that's listening,"},{"speaker":"Average Joe Finances","startTime":2938.887,"endTime":2942.757,"body":"you can either click it, or if you're"},{"speaker":"Average Joe Finances","startTime":2942.757,"endTime":2946.057,"body":"driving, take the mental note of"},{"speaker":"Average Joe Finances","startTime":2942.757,"endTime":2946.057,"body":"what they just said of where to go"},{"speaker":"Average Joe Finances","startTime":2946.057,"endTime":2950.677,"body":"and how to check it out and maybe"},{"speaker":"Average Joe Finances","startTime":2946.057,"endTime":2950.677,"body":"pull it up later and go check it out."},{"speaker":"Average Joe Finances","startTime":2950.681,"endTime":2951.971,"body":"This has been phenomenal."},{"speaker":"Average Joe Finances","startTime":2952.047,"endTime":2956.007,"body":"You guys are both a wealth of"},{"speaker":"Average Joe Finances","startTime":2952.047,"endTime":2956.007,"body":"knowledge and I really genuinely"},{"speaker":"Average Joe Finances","startTime":2956.007,"endTime":2957.147,"body":"enjoyed this conversation."},{"speaker":"Craig Clickner","startTime":2958.797,"endTime":2959.457,"body":"Thanks, Mike."},{"speaker":"Craig Clickner","startTime":2959.457,"endTime":2959.837,"body":"Appreciate it."},{"speaker":"Craig Clickner","startTime":2959.837,"endTime":2961.977,"body":"And congrats on all your success"},{"speaker":"Craig Clickner","startTime":2959.837,"endTime":2961.977,"body":"and everything you've done."},{"speaker":"Craig Clickner","startTime":2961.977,"endTime":2964.257,"body":"And also from my side,"},{"speaker":"Craig Clickner","startTime":2961.977,"endTime":2964.257,"body":"appreciate the service."},{"speaker":"Craig Clickner","startTime":2964.257,"endTime":2965.228,"body":"So keep it rolling, man."},{"speaker":"Craig Clickner","startTime":2965.228,"endTime":2967.088,"body":"We're looking forward to"},{"speaker":"Craig Clickner","startTime":2965.228,"endTime":2967.088,"body":"seeing you do some big things."},{"speaker":"Average Joe Finances","startTime":2967.988,"endTime":2968.858,"body":"Thank you so much, guys."},{"speaker":"Average Joe Finances","startTime":2968.858,"endTime":2969.368,"body":"Aloha."}]}