{"version":"1.0.0","segments":[{"speaker":"Average Joe Finances","startTime":0.097,"endTime":1.117,"body":"Hey,"},{"speaker":"Average Joe Finances","startTime":0.097,"endTime":1.117,"body":"how's it going everybody?"},{"speaker":"Average Joe Finances","startTime":1.117,"endTime":5.677,"body":"So today's guest is Dan Sheeks and Dan"},{"speaker":"Average Joe Finances","startTime":1.117,"endTime":5.677,"body":"is a high school business marketing"},{"speaker":"Average Joe Finances","startTime":5.677,"endTime":9.697,"body":"teacher, a real estate investor,"},{"speaker":"Average Joe Finances","startTime":5.677,"endTime":9.697,"body":"and a personal finance advocate"},{"speaker":"Average Joe Finances","startTime":9.697,"endTime":11.258,"body":"based out of Denver, Colorado."},{"speaker":"Average Joe Finances","startTime":11.888,"endTime":16.808,"body":"In his 18 years of teaching high school,"},{"speaker":"Average Joe Finances","startTime":11.888,"endTime":16.808,"body":"he has taught a variety of business"},{"speaker":"Average Joe Finances","startTime":16.808,"endTime":18.368,"body":"subjects, including personal finance."},{"speaker":"Average Joe Finances","startTime":18.898,"endTime":23.008,"body":"Entrepreneurship and marketing Dan's"},{"speaker":"Average Joe Finances","startTime":18.898,"endTime":23.008,"body":"passions include working with teenagers,"},{"speaker":"Average Joe Finances","startTime":23.278,"endTime":27.268,"body":"advocating for personal finance"},{"speaker":"Average Joe Finances","startTime":23.278,"endTime":27.268,"body":"education, investing in real estate and"},{"speaker":"Average Joe Finances","startTime":27.268,"endTime":32.308,"body":"promoting the fire movement embedded"},{"speaker":"Average Joe Finances","startTime":27.268,"endTime":32.308,"body":"in his classes is the co-curricular"},{"speaker":"Average Joe Finances","startTime":32.338,"endTime":36.598,"body":"DECA club in which students travel,"},{"speaker":"Average Joe Finances","startTime":32.338,"endTime":36.598,"body":"compete, acquire leadership skills,"},{"speaker":"Average Joe Finances","startTime":36.988,"endTime":38.578,"body":"do community service and have fun."},{"speaker":"Average Joe Finances","startTime":39.183,"endTime":43.563,"body":"His students have completed the national"},{"speaker":"Average Joe Finances","startTime":39.183,"endTime":43.563,"body":"level in entrepreneurship, personal"},{"speaker":"Average Joe Finances","startTime":43.563,"endTime":48.783,"body":"finance, marketing, and hospitality"},{"speaker":"Average Joe Finances","startTime":43.563,"endTime":48.783,"body":"services with much success over the years."},{"speaker":"Average Joe Finances","startTime":48.816,"endTime":53.443,"body":"So Dan launched this thing"},{"speaker":"Average Joe Finances","startTime":48.816,"endTime":53.443,"body":"called Sheek freaks back in 2019,"},{"speaker":"Average Joe Finances","startTime":53.683,"endTime":57.043,"body":"it's an online community that's"},{"speaker":"Average Joe Finances","startTime":53.683,"endTime":57.043,"body":"dedicated to helping young people"},{"speaker":"Average Joe Finances","startTime":57.043,"endTime":59.113,"body":"learn money management skills."},{"speaker":"Average Joe Finances","startTime":59.838,"endTime":63.978,"body":"Start investing in real estate and"},{"speaker":"Average Joe Finances","startTime":59.838,"endTime":63.978,"body":"pursue early financial independence."},{"speaker":"Average Joe Finances","startTime":64.428,"endTime":68.448,"body":"The Sheek freaks community aims to help"},{"speaker":"Average Joe Finances","startTime":64.428,"endTime":68.448,"body":"teens use specific methods of saving,"},{"speaker":"Average Joe Finances","startTime":68.778,"endTime":72.198,"body":"earning extra income and investing"},{"speaker":"Average Joe Finances","startTime":68.778,"endTime":72.198,"body":"to set them on a track to purchase"},{"speaker":"Average Joe Finances","startTime":72.198,"endTime":75.858,"body":"real estate investment properties"},{"speaker":"Average Joe Finances","startTime":72.198,"endTime":75.858,"body":"in their early twenties and achieve"},{"speaker":"Average Joe Finances","startTime":75.858,"endTime":77.808,"body":"financial independence at a young age."},{"speaker":"Average Joe Finances","startTime":78.678,"endTime":81.348,"body":"So Dan and his wife have a variety"},{"speaker":"Average Joe Finances","startTime":78.678,"endTime":81.348,"body":"of real estate investments,"},{"speaker":"Average Joe Finances","startTime":81.348,"endTime":82.758,"body":"including multifamily, single family."},{"speaker":"Average Joe Finances","startTime":83.488,"endTime":85.558,"body":"Airbnb and out-of-state BRRRRs."},{"speaker":"Average Joe Finances","startTime":85.978,"endTime":89.188,"body":"They currently have 15 units"},{"speaker":"Average Joe Finances","startTime":85.978,"endTime":89.188,"body":"in Colorado and Michigan."},{"speaker":"Average Joe Finances","startTime":89.188,"endTime":91.228,"body":"So Dan, awesome background."},{"speaker":"Average Joe Finances","startTime":91.228,"endTime":93.058,"body":"I am super excited to"},{"speaker":"Average Joe Finances","startTime":91.228,"endTime":93.058,"body":"have you on the show."},{"speaker":"Average Joe Finances","startTime":93.058,"endTime":94.108,"body":"Thanks for joining me today."},{"speaker":"Dan Sheeks","startTime":95.398,"endTime":96.783,"body":"Yeah, Mike excited to be here."},{"speaker":"Dan Sheeks","startTime":96.783,"endTime":98.313,"body":"Thanks for having me and"},{"speaker":"Dan Sheeks","startTime":96.783,"endTime":98.313,"body":"looking forward to it."},{"speaker":"Average Joe Finances","startTime":98.883,"endTime":99.645,"body":"Yeah, absolutely."},{"speaker":"Average Joe Finances","startTime":99.645,"endTime":102.149,"body":"The first question I want to ask"},{"speaker":"Average Joe Finances","startTime":99.645,"endTime":102.149,"body":"you right out the doors, the same"},{"speaker":"Average Joe Finances","startTime":102.149,"endTime":103.739,"body":"thing I ask everybody, right?"},{"speaker":"Average Joe Finances","startTime":104.009,"endTime":107.193,"body":"And that's, if you could tell a little"},{"speaker":"Average Joe Finances","startTime":104.009,"endTime":107.193,"body":"bit more about your story, I kind of gave"},{"speaker":"Average Joe Finances","startTime":107.193,"endTime":111.363,"body":"like a wave top brief of your background,"},{"speaker":"Average Joe Finances","startTime":107.193,"endTime":111.363,"body":"but how did this all get started for you."},{"speaker":"Dan Sheeks","startTime":111.756,"endTime":114.379,"body":"Honestly, it's not"},{"speaker":"Dan Sheeks","startTime":111.756,"endTime":114.379,"body":"that interesting of a story."},{"speaker":"Dan Sheeks","startTime":114.379,"endTime":117.57,"body":"I I've been teaching high"},{"speaker":"Dan Sheeks","startTime":114.379,"endTime":117.57,"body":"school for 19 years now."},{"speaker":"Dan Sheeks","startTime":117.9,"endTime":121.29,"body":"I'm a business and marketing"},{"speaker":"Dan Sheeks","startTime":117.9,"endTime":121.29,"body":"teacher at a public high school"},{"speaker":"Dan Sheeks","startTime":121.29,"endTime":123.708,"body":"in the south Denver Metro area."},{"speaker":"Dan Sheeks","startTime":123.708,"endTime":125.391,"body":"So I've always been"},{"speaker":"Dan Sheeks","startTime":123.708,"endTime":125.391,"body":"interested in business."},{"speaker":"Dan Sheeks","startTime":125.528,"endTime":129.608,"body":"And more recently I'd say five,"},{"speaker":"Dan Sheeks","startTime":125.528,"endTime":129.608,"body":"six years ago really got into."},{"speaker":"Dan Sheeks","startTime":129.675,"endTime":133.464,"body":"Real estate investing the early"},{"speaker":"Dan Sheeks","startTime":129.675,"endTime":133.464,"body":"five movement or the fire movement."},{"speaker":"Dan Sheeks","startTime":133.474,"endTime":137.95,"body":"Some people call it and advocating for"},{"speaker":"Dan Sheeks","startTime":133.474,"endTime":137.95,"body":"personal finance education for our young"},{"speaker":"Dan Sheeks","startTime":137.95,"endTime":139.45,"body":"people, specifically high school kids."},{"speaker":"Dan Sheeks","startTime":139.45,"endTime":140.47,"body":"That's kinda my niche."},{"speaker":"Dan Sheeks","startTime":140.591,"endTime":144.224,"body":"And yeah, so you add all that together"},{"speaker":"Dan Sheeks","startTime":140.591,"endTime":144.224,"body":"and started the community that you"},{"speaker":"Dan Sheeks","startTime":144.224,"endTime":150.292,"body":"mentioned, have a book out now and just"},{"speaker":"Dan Sheeks","startTime":144.224,"endTime":150.292,"body":"have a mission to help as many young"},{"speaker":"Dan Sheeks","startTime":150.322,"endTime":152.272,"body":"people live their best life as it."},{"speaker":"Average Joe Finances","startTime":152.96,"endTime":153.973,"body":"Yeah that's fantastic."},{"speaker":"Average Joe Finances","startTime":154.003,"endTime":158.749,"body":"And what I really like about this is"},{"speaker":"Average Joe Finances","startTime":154.003,"endTime":158.749,"body":"it's very similar to what our mission is"},{"speaker":"Average Joe Finances","startTime":158.749,"endTime":160.609,"body":"here with average Joe finances, right?"},{"speaker":"Average Joe Finances","startTime":160.849,"endTime":164.853,"body":"And that's promoting this financial"},{"speaker":"Average Joe Finances","startTime":160.849,"endTime":164.853,"body":"education and showing people"},{"speaker":"Average Joe Finances","startTime":164.853,"endTime":168.144,"body":"that, Hey, anyone can do it,"},{"speaker":"Average Joe Finances","startTime":164.853,"endTime":168.144,"body":"especially like the average Joe."},{"speaker":"Average Joe Finances","startTime":168.474,"endTime":172.361,"body":"And I like how target the younger"},{"speaker":"Average Joe Finances","startTime":168.474,"endTime":172.361,"body":"generation, because, it's actually"},{"speaker":"Average Joe Finances","startTime":172.361,"endTime":175.481,"body":"really refreshing to hear of a high"},{"speaker":"Average Joe Finances","startTime":172.361,"endTime":175.481,"body":"school teacher that is teaching personal"},{"speaker":"Average Joe Finances","startTime":175.481,"endTime":178.689,"body":"finance and different things like that,"},{"speaker":"Average Joe Finances","startTime":175.481,"endTime":178.689,"body":"because it is not something you hear"},{"speaker":"Average Joe Finances","startTime":178.689,"endTime":180.332,"body":"about in the public education system."},{"speaker":"Average Joe Finances","startTime":180.332,"endTime":181.052,"body":"Like at all."},{"speaker":"Average Joe Finances","startTime":181.352,"endTime":183.002,"body":"It's not something that's"},{"speaker":"Average Joe Finances","startTime":181.352,"endTime":183.002,"body":"really taught in school."},{"speaker":"Average Joe Finances","startTime":183.063,"endTime":187.61,"body":"To know that you're out here impacting"},{"speaker":"Average Joe Finances","startTime":183.063,"endTime":187.61,"body":"these young lives can really set some"},{"speaker":"Average Joe Finances","startTime":187.61,"endTime":189.02,"body":"of these young people up for success."},{"speaker":"Average Joe Finances","startTime":189.414,"endTime":190.63,"body":"In the near future."},{"speaker":"Average Joe Finances","startTime":190.66,"endTime":193.54,"body":"And I'm talking, when I say near future,"},{"speaker":"Average Joe Finances","startTime":190.66,"endTime":193.54,"body":"I'm talking about post-graduation"},{"speaker":"Average Joe Finances","startTime":193.54,"endTime":198.448,"body":"from high school, they've got a good"},{"speaker":"Average Joe Finances","startTime":193.54,"endTime":198.448,"body":"foundation to go off of to start"},{"speaker":"Average Joe Finances","startTime":198.448,"endTime":200.498,"body":"building that dream life that they want."},{"speaker":"Average Joe Finances","startTime":200.534,"endTime":202.966,"body":"So I want to thank you for what"},{"speaker":"Average Joe Finances","startTime":200.534,"endTime":202.966,"body":"you're doing with that service."},{"speaker":"Average Joe Finances","startTime":202.966,"endTime":204.496,"body":"That's absolutely fantastic."},{"speaker":"Average Joe Finances","startTime":204.496,"endTime":207.238,"body":"And the community that you're"},{"speaker":"Average Joe Finances","startTime":204.496,"endTime":207.238,"body":"building I'm really excited to share"},{"speaker":"Average Joe Finances","startTime":207.238,"endTime":208.558,"body":"that and talk about that today."},{"speaker":"Average Joe Finances","startTime":208.627,"endTime":213.619,"body":"So you said you got into the FIRE movement"},{"speaker":"Average Joe Finances","startTime":208.627,"endTime":213.619,"body":"and just, personal finance and all"},{"speaker":"Average Joe Finances","startTime":213.619,"endTime":215.719,"body":"of that, about five to six years ago."},{"speaker":"Average Joe Finances","startTime":216.229,"endTime":220.127,"body":"And now, what is it that drew you to it?"},{"speaker":"Average Joe Finances","startTime":220.127,"endTime":223.95,"body":"What is it that that flipped the switch"},{"speaker":"Average Joe Finances","startTime":220.127,"endTime":223.95,"body":"and said, Hey this is something I really"},{"speaker":"Average Joe Finances","startTime":223.95,"endTime":228.923,"body":"want to get down with and look into to,"},{"speaker":"Average Joe Finances","startTime":223.95,"endTime":228.923,"body":"to better my life and better my situation."},{"speaker":"Average Joe Finances","startTime":229.021,"endTime":231.721,"body":"And what are you doing right"},{"speaker":"Average Joe Finances","startTime":229.021,"endTime":231.721,"body":"now on your own personal"},{"speaker":"Average Joe Finances","startTime":231.721,"endTime":233.611,"body":"journey into financial freedom?"},{"speaker":"Dan Sheeks","startTime":233.883,"endTime":234.136,"body":"Yeah."},{"speaker":"Dan Sheeks","startTime":234.136,"endTime":237.898,"body":"So at that time, five or six years"},{"speaker":"Dan Sheeks","startTime":234.136,"endTime":237.898,"body":"ago, a couple of things happened."},{"speaker":"Dan Sheeks","startTime":237.898,"endTime":241.076,"body":"One had one rental property and I"},{"speaker":"Dan Sheeks","startTime":237.898,"endTime":241.076,"body":"was always pretty good with my money."},{"speaker":"Dan Sheeks","startTime":241.146,"endTime":242.416,"body":"I didn't overspend."},{"speaker":"Dan Sheeks","startTime":242.487,"endTime":245.605,"body":"I did make a lot of"},{"speaker":"Dan Sheeks","startTime":242.487,"endTime":245.605,"body":"mistakes, but I wasn't awful."},{"speaker":"Dan Sheeks","startTime":245.623,"endTime":250.823,"body":"And at that time I met my wife,"},{"speaker":"Dan Sheeks","startTime":245.623,"endTime":250.823,"body":"my now wife and she had been"},{"speaker":"Dan Sheeks","startTime":250.823,"endTime":252.863,"body":"investing in real estate for a"},{"speaker":"Dan Sheeks","startTime":250.823,"endTime":252.863,"body":"couple of years at that point."},{"speaker":"Dan Sheeks","startTime":253.209,"endTime":257.154,"body":"So when we met she really reinforced"},{"speaker":"Dan Sheeks","startTime":253.209,"endTime":257.154,"body":"the idea of real estate being"},{"speaker":"Dan Sheeks","startTime":257.454,"endTime":260.184,"body":"the best wealth builder that"},{"speaker":"Dan Sheeks","startTime":257.454,"endTime":260.184,"body":"there is at least in our opinion."},{"speaker":"Dan Sheeks","startTime":260.184,"endTime":260.776,"body":"That's true."},{"speaker":"Dan Sheeks","startTime":260.776,"endTime":263.592,"body":"So when we met each other, it"},{"speaker":"Dan Sheeks","startTime":260.776,"endTime":263.592,"body":"was two plus two equals 10."},{"speaker":"Dan Sheeks","startTime":263.592,"endTime":267.98,"body":"Like we just took off and we've"},{"speaker":"Dan Sheeks","startTime":263.592,"endTime":267.98,"body":"been buying real estate ever since."},{"speaker":"Dan Sheeks","startTime":268.033,"endTime":270.921,"body":"So that was when it started and why"},{"speaker":"Dan Sheeks","startTime":268.033,"endTime":270.921,"body":"it started when we met each other,"},{"speaker":"Dan Sheeks","startTime":270.921,"endTime":275.256,"body":"we, the same time we found, or we did"},{"speaker":"Dan Sheeks","startTime":270.921,"endTime":275.256,"body":"find the bigger pockets community and"},{"speaker":"Dan Sheeks","startTime":275.256,"endTime":279.426,"body":"their blog and podcasts and all that"},{"speaker":"Dan Sheeks","startTime":275.256,"endTime":279.426,"body":"stuff became really big fans of bigger"},{"speaker":"Dan Sheeks","startTime":279.426,"endTime":284.012,"body":"pockets, quickly digested, a lot of"},{"speaker":"Dan Sheeks","startTime":279.426,"endTime":284.012,"body":"what they had the content that they put"},{"speaker":"Dan Sheeks","startTime":284.012,"endTime":285.896,"body":"out and have been ever since, honestly."},{"speaker":"Dan Sheeks","startTime":285.896,"endTime":288.582,"body":"And yeah, we just went all"},{"speaker":"Dan Sheeks","startTime":285.896,"endTime":288.582,"body":"in on real estate and that's"},{"speaker":"Dan Sheeks","startTime":288.582,"endTime":289.882,"body":"worked out really well for us."},{"speaker":"Dan Sheeks","startTime":289.882,"endTime":291.445,"body":"We have other investments,"},{"speaker":"Dan Sheeks","startTime":289.882,"endTime":291.445,"body":"but that's our main."},{"speaker":"Dan Sheeks","startTime":292.405,"endTime":296.523,"body":"Our main focus is real estate and"},{"speaker":"Dan Sheeks","startTime":292.405,"endTime":296.523,"body":"yeah, that's where it started."},{"speaker":"Average Joe Finances","startTime":296.827,"endTime":297.007,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":297.027,"endTime":298.409,"body":"That is absolutely amazing."},{"speaker":"Average Joe Finances","startTime":298.439,"endTime":301.247,"body":"And so you see me, I'm looking down"},{"speaker":"Average Joe Finances","startTime":298.439,"endTime":301.247,"body":"I'm actually sitting here taking"},{"speaker":"Average Joe Finances","startTime":301.247,"endTime":302.512,"body":"some notes while you're talking."},{"speaker":"Average Joe Finances","startTime":302.526,"endTime":304.776,"body":"And that whole two plus two"},{"speaker":"Average Joe Finances","startTime":302.526,"endTime":304.776,"body":"equals 10, that is some serious"},{"speaker":"Average Joe Finances","startTime":304.776,"endTime":305.916,"body":"compound interest right there."},{"speaker":"Average Joe Finances","startTime":305.916,"endTime":308.766,"body":"So the sparks must've been"},{"speaker":"Average Joe Finances","startTime":305.916,"endTime":308.766,"body":"flying between the two of you."},{"speaker":"Average Joe Finances","startTime":308.766,"endTime":309.636,"body":"That's fantastic."},{"speaker":"Average Joe Finances","startTime":309.693,"endTime":312.975,"body":"Especially when you meet somebody that"},{"speaker":"Average Joe Finances","startTime":309.693,"endTime":312.975,"body":"is on the same wavelength as you and"},{"speaker":"Average Joe Finances","startTime":312.991,"endTime":316.024,"body":"wants to complete the same, this is a"},{"speaker":"Average Joe Finances","startTime":312.991,"endTime":316.024,"body":"word I use often being in the military."},{"speaker":"Average Joe Finances","startTime":316.024,"endTime":318.37,"body":"But they want to complete the same"},{"speaker":"Average Joe Finances","startTime":316.024,"endTime":318.37,"body":"mission that you want to complete."},{"speaker":"Average Joe Finances","startTime":318.428,"endTime":320.528,"body":"And then talking about"},{"speaker":"Average Joe Finances","startTime":318.428,"endTime":320.528,"body":"bigger pockets, right?"},{"speaker":"Average Joe Finances","startTime":320.528,"endTime":323.771,"body":"So that's definitely a catalyst for a"},{"speaker":"Average Joe Finances","startTime":320.528,"endTime":323.771,"body":"lot of people where they get started."},{"speaker":"Average Joe Finances","startTime":323.771,"endTime":326.583,"body":"It's where, one of the places"},{"speaker":"Average Joe Finances","startTime":323.771,"endTime":326.583,"body":"where I got started too I've been"},{"speaker":"Average Joe Finances","startTime":326.583,"endTime":328.383,"body":"listening to podcasts for a while."},{"speaker":"Average Joe Finances","startTime":328.443,"endTime":332.287,"body":"And most of the stuff I listened to"},{"speaker":"Average Joe Finances","startTime":328.443,"endTime":332.287,"body":"was not personal finance related."},{"speaker":"Average Joe Finances","startTime":332.287,"endTime":333.284,"body":"It was just different things."},{"speaker":"Average Joe Finances","startTime":333.889,"endTime":337.939,"body":"And when I found bigger pockets after"},{"speaker":"Average Joe Finances","startTime":333.889,"endTime":337.939,"body":"I started really looking into getting"},{"speaker":"Average Joe Finances","startTime":337.939,"endTime":342.093,"body":"getting into real estate, it is the"},{"speaker":"Average Joe Finances","startTime":337.939,"endTime":342.093,"body":"first podcast that I listened to."},{"speaker":"Average Joe Finances","startTime":342.093,"endTime":345.843,"body":"Like religiously new episode"},{"speaker":"Average Joe Finances","startTime":342.093,"endTime":345.843,"body":"comes out like that morning it's"},{"speaker":"Average Joe Finances","startTime":345.903,"endTime":347.203,"body":"on during my commute to work."},{"speaker":"Average Joe Finances","startTime":347.203,"endTime":350.699,"body":"And then it's on the way home because"},{"speaker":"Average Joe Finances","startTime":347.203,"endTime":350.699,"body":"usually, I can finish an episode on"},{"speaker":"Average Joe Finances","startTime":350.699,"endTime":353.61,"body":"the way to work and on the way back"},{"speaker":"Average Joe Finances","startTime":350.699,"endTime":353.61,"body":"home Sometimes it's tough because"},{"speaker":"Average Joe Finances","startTime":353.61,"endTime":355.11,"body":"I'll show up, I'll get there."},{"speaker":"Average Joe Finances","startTime":355.38,"endTime":357.33,"body":"And I just want to sit in the"},{"speaker":"Average Joe Finances","startTime":355.38,"endTime":357.33,"body":"car and just finish the episode."},{"speaker":"Average Joe Finances","startTime":357.33,"endTime":358.619,"body":"I'm like, ah, I gotta go in though."},{"speaker":"Average Joe Finances","startTime":358.649,"endTime":359.309,"body":"I got to go in."},{"speaker":"Average Joe Finances","startTime":359.383,"endTime":361.722,"body":"But yeah, it's, that's definitely"},{"speaker":"Average Joe Finances","startTime":359.383,"endTime":361.722,"body":"something that's very refreshing"},{"speaker":"Average Joe Finances","startTime":361.722,"endTime":366.158,"body":"because if you weren't like at a"},{"speaker":"Average Joe Finances","startTime":361.722,"endTime":366.158,"body":"younger age when you discovered this."},{"speaker":"Average Joe Finances","startTime":366.167,"endTime":369.79,"body":"If this was five to six years ago, I don't"},{"speaker":"Average Joe Finances","startTime":366.167,"endTime":369.79,"body":"want to like, show your age here, but I"},{"speaker":"Average Joe Finances","startTime":369.79,"endTime":371.5,"body":"think you and I are pretty close in age."},{"speaker":"Average Joe Finances","startTime":371.5,"endTime":372.326,"body":"I'm 37."},{"speaker":"Average Joe Finances","startTime":372.326,"endTime":377.176,"body":"And, I started around this time too,"},{"speaker":"Average Joe Finances","startTime":372.326,"endTime":377.176,"body":"like a little bit later and I've gotten"},{"speaker":"Average Joe Finances","startTime":377.176,"endTime":382.097,"body":"to the point where, next year I will"},{"speaker":"Average Joe Finances","startTime":377.176,"endTime":382.097,"body":"be reaching, I'll be right at the"},{"speaker":"Average Joe Finances","startTime":382.097,"endTime":383.897,"body":"cusp of being financially independent."},{"speaker":"Average Joe Finances","startTime":383.964,"endTime":387.676,"body":"And I was able to do this over a couple"},{"speaker":"Average Joe Finances","startTime":383.964,"endTime":387.676,"body":"of years of just being serious about what"},{"speaker":"Average Joe Finances","startTime":387.676,"endTime":392.908,"body":"my goals are and, the fact that I'm seeing"},{"speaker":"Average Joe Finances","startTime":387.676,"endTime":392.908,"body":"somebody else do something very similar."},{"speaker":"Average Joe Finances","startTime":392.941,"endTime":397.868,"body":"It makes me realize that, this isn't"},{"speaker":"Average Joe Finances","startTime":392.941,"endTime":397.868,"body":"just for, somebody who is privileged or"},{"speaker":"Average Joe Finances","startTime":397.868,"endTime":399.668,"body":"anything like that, anybody can do this."},{"speaker":"Average Joe Finances","startTime":399.692,"endTime":403.161,"body":"And it's just a matter of, putting"},{"speaker":"Average Joe Finances","startTime":399.692,"endTime":403.161,"body":"your mind to it being disciplined and"},{"speaker":"Average Joe Finances","startTime":403.161,"endTime":405.021,"body":"setting goals and setting boundaries."},{"speaker":"Average Joe Finances","startTime":405.067,"endTime":407.157,"body":"I want to talk about that"},{"speaker":"Average Joe Finances","startTime":405.067,"endTime":407.157,"body":"a little bit as well."},{"speaker":"Average Joe Finances","startTime":407.157,"endTime":410.444,"body":"One of the things I have a whole list"},{"speaker":"Average Joe Finances","startTime":407.157,"endTime":410.444,"body":"of things I want to talk to you about."},{"speaker":"Average Joe Finances","startTime":410.446,"endTime":412.139,"body":"So I wanna, I want to"},{"speaker":"Average Joe Finances","startTime":410.446,"endTime":412.139,"body":"find the right thing."},{"speaker":"Average Joe Finances","startTime":412.188,"endTime":412.938,"body":"Now there is."},{"speaker":"Average Joe Finances","startTime":413.988,"endTime":415.53,"body":"There's a book that we're"},{"speaker":"Average Joe Finances","startTime":413.988,"endTime":415.53,"body":"going to talk about."},{"speaker":"Average Joe Finances","startTime":415.579,"endTime":416.779,"body":"You have a book coming out."},{"speaker":"Average Joe Finances","startTime":416.879,"endTime":418.581,"body":"It's called first to a million."},{"speaker":"Average Joe Finances","startTime":418.601,"endTime":421.961,"body":"One of the things you talk about in"},{"speaker":"Average Joe Finances","startTime":418.601,"endTime":421.961,"body":"there is, or I guess the introduction"},{"speaker":"Average Joe Finances","startTime":421.961,"endTime":423.927,"body":"is becoming a FI freak, right?"},{"speaker":"Average Joe Finances","startTime":423.927,"endTime":425.367,"body":"A financial independence freak."},{"speaker":"Average Joe Finances","startTime":425.877,"endTime":428.35,"body":"And one of the things you talked"},{"speaker":"Average Joe Finances","startTime":425.877,"endTime":428.35,"body":"about in the introduction of the"},{"speaker":"Average Joe Finances","startTime":428.35,"endTime":432.12,"body":"book, and I really liked this, and"},{"speaker":"Average Joe Finances","startTime":428.35,"endTime":432.12,"body":"I put this in my notes here is."},{"speaker":"Average Joe Finances","startTime":432.12,"endTime":437.684,"body":"Financial freak is someone who doesn't"},{"speaker":"Average Joe Finances","startTime":432.12,"endTime":437.684,"body":"just subscribe to the commonly accepted"},{"speaker":"Average Joe Finances","startTime":437.684,"endTime":439.645,"body":"life rules of what everybody thinks."},{"speaker":"Average Joe Finances","startTime":439.645,"endTime":441.085,"body":"The typical American dream is."},{"speaker":"Average Joe Finances","startTime":441.099,"endTime":442.069,"body":"That, you're here."},{"speaker":"Average Joe Finances","startTime":442.069,"endTime":444.089,"body":"You have to work, 40 years."},{"speaker":"Average Joe Finances","startTime":444.192,"endTime":446.592,"body":"You have to go to"},{"speaker":"Average Joe Finances","startTime":444.192,"endTime":446.592,"body":"college to be successful."},{"speaker":"Average Joe Finances","startTime":446.982,"endTime":449.902,"body":"You have to have a really"},{"speaker":"Average Joe Finances","startTime":446.982,"endTime":449.902,"body":"nice car and a big house."},{"speaker":"Average Joe Finances","startTime":449.902,"endTime":453.368,"body":"And that when you think about personal"},{"speaker":"Average Joe Finances","startTime":449.902,"endTime":453.368,"body":"finances it's too complicated."},{"speaker":"Average Joe Finances","startTime":453.426,"endTime":456.947,"body":"And that you have to look wealthy"},{"speaker":"Average Joe Finances","startTime":453.426,"endTime":456.947,"body":"to be wealthy and you should spend"},{"speaker":"Average Joe Finances","startTime":456.947,"endTime":458.411,"body":"all your money as you make it."},{"speaker":"Average Joe Finances","startTime":458.429,"endTime":462.239,"body":"That whole Yolo thing that, and that's"},{"speaker":"Average Joe Finances","startTime":458.429,"endTime":462.239,"body":"probably something that can relate to a"},{"speaker":"Average Joe Finances","startTime":462.239,"endTime":463.859,"body":"lot of the youth right now, too, is right."},{"speaker":"Average Joe Finances","startTime":463.859,"endTime":466.889,"body":"You, they want to have this"},{"speaker":"Average Joe Finances","startTime":463.859,"endTime":466.889,"body":"appearance, this image and social"},{"speaker":"Average Joe Finances","startTime":466.889,"endTime":470.609,"body":"media has not been the kindest"},{"speaker":"Average Joe Finances","startTime":466.889,"endTime":470.609,"body":"when it comes to that, because."},{"speaker":"Average Joe Finances","startTime":471.099,"endTime":472.929,"body":"People are very judgmental."},{"speaker":"Average Joe Finances","startTime":472.959,"endTime":476.199,"body":"And as much as we want to say"},{"speaker":"Average Joe Finances","startTime":472.959,"endTime":476.199,"body":"that we're not, we are right."},{"speaker":"Average Joe Finances","startTime":476.559,"endTime":481.358,"body":"And people will try to push this stuff out"},{"speaker":"Average Joe Finances","startTime":476.559,"endTime":481.358,"body":"on social media to try to show them living"},{"speaker":"Average Joe Finances","startTime":481.358,"endTime":483.128,"body":"this life that they're really not living."},{"speaker":"Average Joe Finances","startTime":483.848,"endTime":486.752,"body":"And one of the things I like that"},{"speaker":"Average Joe Finances","startTime":483.848,"endTime":486.752,"body":"you talk about is that, you don't"},{"speaker":"Average Joe Finances","startTime":486.752,"endTime":489.448,"body":"have to accept that is not the"},{"speaker":"Average Joe Finances","startTime":486.752,"endTime":489.448,"body":"life that you have to accept."},{"speaker":"Average Joe Finances","startTime":489.448,"endTime":490.438,"body":"Why is it that."},{"speaker":"Average Joe Finances","startTime":491.163,"endTime":495.513,"body":"Somebody who has this mentality of"},{"speaker":"Average Joe Finances","startTime":491.163,"endTime":495.513,"body":"reaching financial independence or"},{"speaker":"Average Joe Finances","startTime":495.513,"endTime":499.143,"body":"financial independence freak as you"},{"speaker":"Average Joe Finances","startTime":495.513,"endTime":499.143,"body":"call them the book, why don't they"},{"speaker":"Average Joe Finances","startTime":499.143,"endTime":503.755,"body":"subscribe to this normal every day"},{"speaker":"Average Joe Finances","startTime":499.143,"endTime":503.755,"body":"life that, that you see typical"},{"speaker":"Average Joe Finances","startTime":503.755,"endTime":505.645,"body":"Americans subscribing themselves to?"},{"speaker":"Dan Sheeks","startTime":505.975,"endTime":508.645,"body":"Yeah that typical life"},{"speaker":"Dan Sheeks","startTime":505.975,"endTime":508.645,"body":"that you mentioned, I refer to that"},{"speaker":"Dan Sheeks","startTime":508.645,"endTime":515.125,"body":"as the typical American dream pathway"},{"speaker":"Dan Sheeks","startTime":508.645,"endTime":515.125,"body":"that most people subscribe to or follow"},{"speaker":"Dan Sheeks","startTime":515.125,"endTime":519.405,"body":"and  really it's because that's the"},{"speaker":"Dan Sheeks","startTime":515.125,"endTime":519.405,"body":"only path that they think there is."},{"speaker":"Dan Sheeks","startTime":519.518,"endTime":523.538,"body":"And by the way, there's nothing wrong"},{"speaker":"Dan Sheeks","startTime":519.518,"endTime":523.538,"body":"with that typical American dream pathway."},{"speaker":"Dan Sheeks","startTime":523.538,"endTime":525.488,"body":"It is a proven method."},{"speaker":"Dan Sheeks","startTime":525.488,"endTime":527.138,"body":"It's worked for millions"},{"speaker":"Dan Sheeks","startTime":525.488,"endTime":527.138,"body":"and millions of people."},{"speaker":"Dan Sheeks","startTime":527.138,"endTime":528.558,"body":"It's a very noble way to live."},{"speaker":"Dan Sheeks","startTime":528.558,"endTime":530.323,"body":"And it can provide a lot of happiness."},{"speaker":"Dan Sheeks","startTime":530.323,"endTime":531.673,"body":"It's, there's nothing wrong with it."},{"speaker":"Dan Sheeks","startTime":531.673,"endTime":531.873,"body":"It's not."},{"speaker":"Dan Sheeks","startTime":531.919,"endTime":535.718,"body":"But I, the reason I have the community"},{"speaker":"Dan Sheeks","startTime":531.919,"endTime":535.718,"body":"and the book and I do what I do is so that"},{"speaker":"Dan Sheeks","startTime":535.718,"endTime":540.488,"body":"people know that there are other options"},{"speaker":"Dan Sheeks","startTime":535.718,"endTime":540.488,"body":"and it's always good to have options."},{"speaker":"Dan Sheeks","startTime":540.488,"endTime":542.048,"body":"So why not learn about the other ones?"},{"speaker":"Dan Sheeks","startTime":542.109,"endTime":543.819,"body":"And again, my focus is on young people."},{"speaker":"Dan Sheeks","startTime":543.819,"endTime":546.969,"body":"I like to say 15 to 25 years old."},{"speaker":"Dan Sheeks","startTime":546.969,"endTime":547.738,"body":"That's my niche."},{"speaker":"Dan Sheeks","startTime":547.773,"endTime":551.87,"body":"That's where my passion is working with"},{"speaker":"Dan Sheeks","startTime":547.773,"endTime":551.87,"body":"teenagers and, college age students."},{"speaker":"Dan Sheeks","startTime":552.62,"endTime":554.491,"body":"And I call them freaks."},{"speaker":"Dan Sheeks","startTime":554.611,"endTime":556.429,"body":"The book is has that theme, right?"},{"speaker":"Dan Sheeks","startTime":556.429,"endTime":558.139,"body":"It's all about becoming a freak."},{"speaker":"Dan Sheeks","startTime":558.243,"endTime":562.789,"body":"Because well, one, it, it rhymes with"},{"speaker":"Dan Sheeks","startTime":558.243,"endTime":562.789,"body":"my last name, so that was handy, but"},{"speaker":"Dan Sheeks","startTime":563.779,"endTime":568.3,"body":"two is, if you're a young person and"},{"speaker":"Dan Sheeks","startTime":563.779,"endTime":568.3,"body":"you actually think about your financial"},{"speaker":"Dan Sheeks","startTime":568.3,"endTime":572.65,"body":"future and you're taking steps to improve"},{"speaker":"Dan Sheeks","startTime":568.3,"endTime":572.65,"body":"your financial future, like listening to"},{"speaker":"Dan Sheeks","startTime":572.65,"endTime":576.388,"body":"a podcast or reading books or following"},{"speaker":"Dan Sheeks","startTime":572.65,"endTime":576.388,"body":"blogs, social media accounts that"},{"speaker":"Dan Sheeks","startTime":576.388,"endTime":577.858,"body":"have to do with this kind of content."},{"speaker":"Dan Sheeks","startTime":578.308,"endTime":582.868,"body":"Then you are a young person who is not"},{"speaker":"Dan Sheeks","startTime":578.308,"endTime":582.868,"body":"normal because most young people don't"},{"speaker":"Dan Sheeks","startTime":582.868,"endTime":584.098,"body":"ever think about this kind of stuff."},{"speaker":"Dan Sheeks","startTime":584.788,"endTime":587.277,"body":"And so you're different, you're"},{"speaker":"Dan Sheeks","startTime":584.788,"endTime":587.277,"body":"exceptional, you're unique."},{"speaker":"Dan Sheeks","startTime":587.337,"endTime":589.495,"body":"And so you're freakish, but in a good way."},{"speaker":"Dan Sheeks","startTime":589.513,"endTime":594.162,"body":"And so that's where the Sheeks freaks came"},{"speaker":"Dan Sheeks","startTime":589.513,"endTime":594.162,"body":"from the five freak financial independence"},{"speaker":"Dan Sheeks","startTime":594.162,"endTime":596.202,"body":"freak came from my book that I wrote."},{"speaker":"Dan Sheeks","startTime":597.857,"endTime":603.347,"body":"There's a lot of really good books out"},{"speaker":"Dan Sheeks","startTime":597.857,"endTime":603.347,"body":"there for young people and teenagers about"},{"speaker":"Dan Sheeks","startTime":603.347,"endTime":605.176,"body":"personal finance and that's a good thing."},{"speaker":"Dan Sheeks","startTime":605.176,"endTime":608.815,"body":"But my book, to my knowledge,"},{"speaker":"Dan Sheeks","startTime":605.176,"endTime":608.815,"body":"it's the only book for teams that"},{"speaker":"Dan Sheeks","startTime":608.815,"endTime":613.015,"body":"is specifically about achieving"},{"speaker":"Dan Sheeks","startTime":608.815,"endTime":613.015,"body":"early financial independence."},{"speaker":"Dan Sheeks","startTime":613.105,"endTime":617.185,"body":"How do you get out of that rat"},{"speaker":"Dan Sheeks","startTime":613.105,"endTime":617.185,"body":"race decades before turning 65?"},{"speaker":"Average Joe Finances","startTime":617.53,"endTime":617.8,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":617.84,"endTime":621.115,"body":"Again, that's something that's not"},{"speaker":"Average Joe Finances","startTime":617.84,"endTime":621.115,"body":"common that you don't see a lot of"},{"speaker":"Average Joe Finances","startTime":621.115,"endTime":625.124,"body":"young people talking about, it's"},{"speaker":"Average Joe Finances","startTime":621.115,"endTime":625.124,"body":"funny because I recently had someone"},{"speaker":"Average Joe Finances","startTime":625.124,"endTime":629.084,"body":"reach out to me on LinkedIn and I was"},{"speaker":"Average Joe Finances","startTime":625.124,"endTime":629.084,"body":"surprised because it was a 16 year old"},{"speaker":"Average Joe Finances","startTime":629.084,"endTime":632.174,"body":"kid reached out to me on LinkedIn and"},{"speaker":"Average Joe Finances","startTime":629.084,"endTime":632.174,"body":"said, Hey, I just want to let you know,"},{"speaker":"Average Joe Finances","startTime":632.174,"endTime":633.614,"body":"I've been listening to your podcast."},{"speaker":"Average Joe Finances","startTime":633.614,"endTime":634.784,"body":"And I think it's really awesome."},{"speaker":"Average Joe Finances","startTime":635.204,"endTime":639.103,"body":"And I'm immediately going to message"},{"speaker":"Average Joe Finances","startTime":635.204,"endTime":639.103,"body":"him and say, Hey, I got this episode"},{"speaker":"Average Joe Finances","startTime":639.103,"endTime":642.223,"body":"coming out that you're going to have"},{"speaker":"Average Joe Finances","startTime":639.103,"endTime":642.223,"body":"to listen to and oh, by the way, go"},{"speaker":"Average Joe Finances","startTime":642.223,"endTime":644.397,"body":"check out Sheeks freaks for sure."},{"speaker":"Average Joe Finances","startTime":645.027,"endTime":646.947,"body":"Because yeah, absolutely."},{"speaker":"Average Joe Finances","startTime":646.947,"endTime":650.204,"body":"Cause that is the type of, the community"},{"speaker":"Average Joe Finances","startTime":646.947,"endTime":650.204,"body":"that you're building,  is something that"},{"speaker":"Average Joe Finances","startTime":650.204,"endTime":652.364,"body":"will change lives like for the better."},{"speaker":"Average Joe Finances","startTime":652.364,"endTime":655.928,"body":"And like you said, there's nothing"},{"speaker":"Average Joe Finances","startTime":652.364,"endTime":655.928,"body":"wrong with the typical American dream."},{"speaker":"Average Joe Finances","startTime":655.928,"endTime":657.968,"body":"There's nothing wrong with"},{"speaker":"Average Joe Finances","startTime":655.928,"endTime":657.968,"body":"that typical lifestyle."},{"speaker":"Average Joe Finances","startTime":658.039,"endTime":662.059,"body":"People need to understand that there are"},{"speaker":"Average Joe Finances","startTime":658.039,"endTime":662.059,"body":"other options out there besides that.."},{"speaker":"Average Joe Finances","startTime":662.193,"endTime":666.724,"body":"And, if you want to, live your life"},{"speaker":"Average Joe Finances","startTime":662.193,"endTime":666.724,"body":"while you're a little younger and"},{"speaker":"Average Joe Finances","startTime":666.724,"endTime":669.064,"body":"not have to wait until you're in your"},{"speaker":"Average Joe Finances","startTime":666.724,"endTime":669.064,"body":"sixties, to where you really can't"},{"speaker":"Average Joe Finances","startTime":669.064,"endTime":672.424,"body":"enjoy it because you want to go out"},{"speaker":"Average Joe Finances","startTime":669.064,"endTime":672.424,"body":"jet skiing, but you can't because your"},{"speaker":"Average Joe Finances","startTime":672.424,"endTime":674.17,"body":"back hurts or something like that."},{"speaker":"Average Joe Finances","startTime":674.2,"endTime":677.32,"body":"There's opportunity to do that"},{"speaker":"Average Joe Finances","startTime":674.2,"endTime":677.32,"body":"while you're younger, but it's,"},{"speaker":"Average Joe Finances","startTime":677.35,"endTime":678.64,"body":"you have to change your mindset."},{"speaker":"Average Joe Finances","startTime":678.64,"endTime":679.78,"body":"You have to change your lifestyle."},{"speaker":"Average Joe Finances","startTime":679.983,"endTime":681.973,"body":"There was something that you"},{"speaker":"Average Joe Finances","startTime":679.983,"endTime":681.973,"body":"put in the introduction of"},{"speaker":"Average Joe Finances","startTime":681.973,"endTime":683.023,"body":"your book that I really liked."},{"speaker":"Average Joe Finances","startTime":683.023,"endTime":687.04,"body":"It's an analogy that you hear about often"},{"speaker":"Average Joe Finances","startTime":683.023,"endTime":687.04,"body":"where one of the employees is checking"},{"speaker":"Average Joe Finances","startTime":687.04,"endTime":689.512,"body":"out the boss's car, the Lamborghini."},{"speaker":"Average Joe Finances","startTime":689.842,"endTime":691.293,"body":"And he's oh man, that's super cool."},{"speaker":"Average Joe Finances","startTime":691.293,"endTime":692.858,"body":"And the boss walks up"},{"speaker":"Average Joe Finances","startTime":691.293,"endTime":692.858,"body":"to him and he's yeah."},{"speaker":"Average Joe Finances","startTime":692.858,"endTime":696.721,"body":"He's if you continue to work hard and"},{"speaker":"Average Joe Finances","startTime":692.858,"endTime":696.721,"body":"keep doing what you're doing, I'll be"},{"speaker":"Average Joe Finances","startTime":696.721,"endTime":698.191,"body":"able to afford another one next year."},{"speaker":"Average Joe Finances","startTime":698.581,"endTime":700.035,"body":"And it's so funny because."},{"speaker":"Average Joe Finances","startTime":700.233,"endTime":705.153,"body":"I think a younger person reading that"},{"speaker":"Average Joe Finances","startTime":700.233,"endTime":705.153,"body":"would understand it a little bit different"},{"speaker":"Average Joe Finances","startTime":705.153,"endTime":706.612,"body":"that they'll look at it like, wow."},{"speaker":"Average Joe Finances","startTime":706.972,"endTime":711.142,"body":"That might be the thing that flips the"},{"speaker":"Average Joe Finances","startTime":706.972,"endTime":711.142,"body":"switch because going into life after high"},{"speaker":"Average Joe Finances","startTime":711.142,"endTime":715.792,"body":"school or after college as an employee,"},{"speaker":"Average Joe Finances","startTime":711.142,"endTime":715.792,"body":"that's typically what you're doing."},{"speaker":"Average Joe Finances","startTime":716.032,"endTime":717.622,"body":"Not necessarily always the case."},{"speaker":"Average Joe Finances","startTime":718.312,"endTime":721.81,"body":"But when you're, in a nine to five"},{"speaker":"Average Joe Finances","startTime":718.312,"endTime":721.81,"body":"or you're you've got yourself in"},{"speaker":"Average Joe Finances","startTime":721.81,"endTime":724.36,"body":"the rat race, that's typically"},{"speaker":"Average Joe Finances","startTime":721.81,"endTime":724.36,"body":"the path that you're choosing."},{"speaker":"Average Joe Finances","startTime":724.41,"endTime":728.145,"body":"And then you talk about Jimmy and I"},{"speaker":"Average Joe Finances","startTime":724.41,"endTime":728.145,"body":"have to mention this because you say"},{"speaker":"Average Joe Finances","startTime":728.145,"endTime":730.185,"body":"that Jimmy is the typical average Joe."},{"speaker":"Average Joe Finances","startTime":730.226,"endTime":732.678,"body":"And how the reader like,"},{"speaker":"Average Joe Finances","startTime":730.226,"endTime":732.678,"body":"can relate to them."},{"speaker":"Average Joe Finances","startTime":732.756,"endTime":735.944,"body":"And how, Hey, this can"},{"speaker":"Average Joe Finances","startTime":732.756,"endTime":735.944,"body":"be you 10 years from now."},{"speaker":"Average Joe Finances","startTime":735.963,"endTime":740.065,"body":"And he's living the typical American"},{"speaker":"Average Joe Finances","startTime":735.963,"endTime":740.065,"body":"life that a majority of us do."},{"speaker":"Average Joe Finances","startTime":740.605,"endTime":741.075,"body":"And."},{"speaker":"Average Joe Finances","startTime":741.265,"endTime":742.525,"body":"What Jimmy is doing."},{"speaker":"Average Joe Finances","startTime":742.59,"endTime":747.42,"body":"What most people do is he's living this"},{"speaker":"Average Joe Finances","startTime":742.59,"endTime":747.42,"body":"lifestyle and making someone else wealthy."},{"speaker":"Average Joe Finances","startTime":748.23,"endTime":750.483,"body":"And there's not like we said"},{"speaker":"Average Joe Finances","startTime":748.23,"endTime":750.483,"body":"before, like there's nothing"},{"speaker":"Average Joe Finances","startTime":750.483,"endTime":751.343,"body":"wrong with being an employee."},{"speaker":"Average Joe Finances","startTime":751.394,"endTime":751.664,"body":"But."},{"speaker":"Average Joe Finances","startTime":752.924,"endTime":756.914,"body":"You can still be an employee and"},{"speaker":"Average Joe Finances","startTime":752.924,"endTime":756.914,"body":"work towards financial independence"},{"speaker":"Average Joe Finances","startTime":756.914,"endTime":760.217,"body":"and work towards financial"},{"speaker":"Average Joe Finances","startTime":756.914,"endTime":760.217,"body":"freedom and build your wealth."},{"speaker":"Average Joe Finances","startTime":760.277,"endTime":762.137,"body":"And there's definitely"},{"speaker":"Average Joe Finances","startTime":760.277,"endTime":762.137,"body":"different ways to do that."},{"speaker":"Average Joe Finances","startTime":762.195,"endTime":765.985,"body":"I know you're working a nine to five"},{"speaker":"Average Joe Finances","startTime":762.195,"endTime":765.985,"body":"job and you're doing it yourself."},{"speaker":"Average Joe Finances","startTime":765.985,"endTime":769.045,"body":"You're investing in real estate, I'm"},{"speaker":"Average Joe Finances","startTime":765.985,"endTime":769.045,"body":"working a nine to five job and investing"},{"speaker":"Average Joe Finances","startTime":769.045,"endTime":770.845,"body":"in real estate and other small businesses."},{"speaker":"Average Joe Finances","startTime":771.325,"endTime":773.942,"body":"And it's little things like that"},{"speaker":"Average Joe Finances","startTime":771.325,"endTime":773.942,"body":"you can build and build upon."},{"speaker":"Average Joe Finances","startTime":773.992,"endTime":777.659,"body":"Typically you'll see the everyday"},{"speaker":"Average Joe Finances","startTime":773.992,"endTime":777.659,"body":"person they'll live their life and"},{"speaker":"Average Joe Finances","startTime":777.678,"endTime":783.679,"body":"they'll put their contributions away"},{"speaker":"Average Joe Finances","startTime":777.678,"endTime":783.679,"body":"into their, IRA and 401k and then"},{"speaker":"Average Joe Finances","startTime":783.679,"endTime":785.786,"body":"that's it that, by the time they're 65."},{"speaker":"Average Joe Finances","startTime":785.786,"endTime":786.116,"body":"Sure."},{"speaker":"Average Joe Finances","startTime":786.172,"endTime":789.922,"body":"They're set off pretty"},{"speaker":"Average Joe Finances","startTime":786.172,"endTime":789.922,"body":"good, but you're 65 now."},{"speaker":"Average Joe Finances","startTime":790.042,"endTime":792.552,"body":"And you've lost a lot of the"},{"speaker":"Average Joe Finances","startTime":790.042,"endTime":792.552,"body":"younger years of your life."},{"speaker":"Average Joe Finances","startTime":792.576,"endTime":792.906,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":793.176,"endTime":793.579,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":793.579,"endTime":794.597,"body":"I want to get away from that."},{"speaker":"Average Joe Finances","startTime":794.597,"endTime":796.667,"body":"I can be long-winded when it"},{"speaker":"Average Joe Finances","startTime":794.597,"endTime":796.667,"body":"comes to this kind of stuff."},{"speaker":"Average Joe Finances","startTime":796.667,"endTime":801.119,"body":"I want to talk about, so with these jobs"},{"speaker":"Average Joe Finances","startTime":796.667,"endTime":801.119,"body":"with working in a nine to five, whatever"},{"speaker":"Average Joe Finances","startTime":801.119,"endTime":804.681,"body":"that may be there, there are some times,"},{"speaker":"Average Joe Finances","startTime":801.119,"endTime":804.681,"body":"and I'm pretty sure it's mentioned the"},{"speaker":"Average Joe Finances","startTime":804.681,"endTime":806.255,"body":"book too, that there's these traps, right?"},{"speaker":"Average Joe Finances","startTime":806.255,"endTime":807.365,"body":"These jobs traps."},{"speaker":"Average Joe Finances","startTime":807.635,"endTime":810.355,"body":"So what would you call like a job trap."},{"speaker":"Dan Sheeks","startTime":810.825,"endTime":811.165,"body":"Yeah."},{"speaker":"Dan Sheeks","startTime":811.165,"endTime":816.409,"body":"In the book I mentioned to two traps one"},{"speaker":"Dan Sheeks","startTime":811.165,"endTime":816.409,"body":"is the paycheck to paycheck trap, right?"},{"speaker":"Dan Sheeks","startTime":816.409,"endTime":819.072,"body":"Where someone just gets into a habit."},{"speaker":"Dan Sheeks","startTime":819.072,"endTime":821.461,"body":"And this is part of the"},{"speaker":"Dan Sheeks","startTime":819.072,"endTime":821.461,"body":"typical American dream."},{"speaker":"Dan Sheeks","startTime":821.461,"endTime":824.54,"body":"As you kinda mentioned, that they"},{"speaker":"Dan Sheeks","startTime":821.461,"endTime":824.54,"body":"spend everything they make or very"},{"speaker":"Dan Sheeks","startTime":824.54,"endTime":827.405,"body":"close and whatever they are saving,"},{"speaker":"Dan Sheeks","startTime":824.54,"endTime":827.405,"body":"they don't have access to it."},{"speaker":"Dan Sheeks","startTime":827.412,"endTime":829.752,"body":"Because it's going into a"},{"speaker":"Dan Sheeks","startTime":827.412,"endTime":829.752,"body":"401k or something like that."},{"speaker":"Dan Sheeks","startTime":829.782,"endTime":831.642,"body":"So if you're spending everything you make."},{"speaker":"Dan Sheeks","startTime":832.367,"endTime":833.927,"body":"You got to pay your bills every month."},{"speaker":"Dan Sheeks","startTime":834.377,"endTime":836.117,"body":"And so you need that paycheck every month."},{"speaker":"Dan Sheeks","startTime":836.117,"endTime":841.757,"body":"So to quit a job, to change"},{"speaker":"Dan Sheeks","startTime":836.117,"endTime":841.757,"body":"jobs or change careers, or start"},{"speaker":"Dan Sheeks","startTime":841.757,"endTime":842.687,"body":"at, start your own business."},{"speaker":"Dan Sheeks","startTime":842.717,"endTime":846.017,"body":"That's just not an option for a"},{"speaker":"Dan Sheeks","startTime":842.717,"endTime":846.017,"body":"lot of people because there's that"},{"speaker":"Dan Sheeks","startTime":846.017,"endTime":848.313,"body":"transition that's really risky."},{"speaker":"Dan Sheeks","startTime":848.553,"endTime":853.383,"body":"How am I going to pay my bills after I get"},{"speaker":"Dan Sheeks","startTime":848.553,"endTime":853.383,"body":"my last paycheck with the job I currently"},{"speaker":"Dan Sheeks","startTime":853.383,"endTime":858.813,"body":"have and switching to a job that I'm"},{"speaker":"Dan Sheeks","startTime":853.383,"endTime":858.813,"body":"going to get, or starting a new business,"},{"speaker":"Dan Sheeks","startTime":858.813,"endTime":859.923,"body":"and who knows when money comes in?"},{"speaker":"Dan Sheeks","startTime":860.868,"endTime":861.74,"body":"So that's a trap."},{"speaker":"Dan Sheeks","startTime":861.77,"endTime":866.166,"body":"One is that they just don't have"},{"speaker":"Dan Sheeks","startTime":861.77,"endTime":866.166,"body":"the ability to take that risk."},{"speaker":"Dan Sheeks","startTime":866.179,"endTime":872.521,"body":"And then the other one I write about is"},{"speaker":"Dan Sheeks","startTime":866.179,"endTime":872.521,"body":"the idea that once they're in a job, they,"},{"speaker":"Dan Sheeks","startTime":872.821,"endTime":875.191,"body":"a lot of us tend to stay there because."},{"speaker":"Dan Sheeks","startTime":876.166,"endTime":878.446,"body":"We don't want to have"},{"speaker":"Dan Sheeks","startTime":876.166,"endTime":878.446,"body":"to update our resume."},{"speaker":"Dan Sheeks","startTime":878.476,"endTime":881.176,"body":"We don't want to have to go"},{"speaker":"Dan Sheeks","startTime":878.476,"endTime":881.176,"body":"through the job interview process."},{"speaker":"Dan Sheeks","startTime":881.206,"endTime":886.976,"body":"We don't want to have to apply for 50"},{"speaker":"Dan Sheeks","startTime":881.206,"endTime":886.976,"body":"jobs to have 10 interviews to get two"},{"speaker":"Dan Sheeks","startTime":887.236,"endTime":889.606,"body":"second interviews and maybe one job offer."},{"speaker":"Dan Sheeks","startTime":889.666,"endTime":892.273,"body":"We don't want to run through that"},{"speaker":"Dan Sheeks","startTime":889.666,"endTime":892.273,"body":"gauntlet of different chores."},{"speaker":"Dan Sheeks","startTime":892.273,"endTime":893.113,"body":"That's not fun."},{"speaker":"Dan Sheeks","startTime":893.653,"endTime":895.138,"body":"And they just stay where they're at."},{"speaker":"Average Joe Finances","startTime":895.138,"endTime":896.218,"body":"Like being complacent."},{"speaker":"Average Joe Finances","startTime":896.274,"endTime":900.042,"body":"You're just, you're complacent with that"},{"speaker":"Average Joe Finances","startTime":896.274,"endTime":900.042,"body":"job and you don't want to change anything."},{"speaker":"Average Joe Finances","startTime":900.042,"endTime":902.689,"body":"And one of the things we say in the"},{"speaker":"Average Joe Finances","startTime":900.042,"endTime":902.689,"body":"military too, is complacency kills."},{"speaker":"Average Joe Finances","startTime":902.689,"endTime":904.972,"body":"You sit here and you get"},{"speaker":"Average Joe Finances","startTime":902.689,"endTime":904.972,"body":"complacent in something and"},{"speaker":"Average Joe Finances","startTime":905.002,"endTime":907.102,"body":"that's when everything goes wrong."},{"speaker":"Average Joe Finances","startTime":907.109,"endTime":907.331,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":907.821,"endTime":908.061,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":908.091,"endTime":908.301,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":908.351,"endTime":908.831,"body":"That's a."},{"speaker":"Dan Sheeks","startTime":909.471,"endTime":912.694,"body":"I would say complacency"},{"speaker":"Dan Sheeks","startTime":909.471,"endTime":912.694,"body":"kills creativity in the area"},{"speaker":"Dan Sheeks","startTime":912.694,"endTime":913.594,"body":"that we're talking about."},{"speaker":"Dan Sheeks","startTime":913.594,"endTime":917.524,"body":"When people can't go and do what they're"},{"speaker":"Dan Sheeks","startTime":913.594,"endTime":917.524,"body":"really passionate about or create"},{"speaker":"Dan Sheeks","startTime":917.524,"endTime":922.144,"body":"that business, they've always wanted"},{"speaker":"Dan Sheeks","startTime":917.524,"endTime":922.144,"body":"to cause they complacent in the job."},{"speaker":"Dan Sheeks","startTime":922.174,"endTime":924.424,"body":"It's paying the bills and that's"},{"speaker":"Dan Sheeks","startTime":922.174,"endTime":924.424,"body":"just the life I'm going to have for."},{"speaker":"Dan Sheeks","startTime":925.279,"endTime":927.349,"body":"40 plus years, which is a long time"},{"speaker":"Average Joe Finances","startTime":927.386,"endTime":929.066,"body":"That, yeah,"},{"speaker":"Average Joe Finances","startTime":927.386,"endTime":929.066,"body":".That could definitely be a long time."},{"speaker":"Average Joe Finances","startTime":929.066,"endTime":935.186,"body":"So I'm coming up on finishing my 20 years"},{"speaker":"Average Joe Finances","startTime":929.066,"endTime":935.186,"body":"in the Navy and then I'm done with that."},{"speaker":"Average Joe Finances","startTime":935.576,"endTime":936.986,"body":"So thank you."},{"speaker":"Average Joe Finances","startTime":936.986,"endTime":937.336,"body":"Thank you."},{"speaker":"Average Joe Finances","startTime":937.916,"endTime":938.726,"body":"Yeah, I appreciate it."},{"speaker":"Average Joe Finances","startTime":938.726,"endTime":941.838,"body":"And I know you're getting close"},{"speaker":"Average Joe Finances","startTime":938.726,"endTime":941.838,"body":"to to wrap it up your time as a,"},{"speaker":"Average Joe Finances","startTime":941.838,"endTime":945.711,"body":"as an educator and a teacher For"},{"speaker":"Average Joe Finances","startTime":941.838,"endTime":945.711,"body":"the career field not in general."},{"speaker":"Average Joe Finances","startTime":945.711,"endTime":948.681,"body":"Cause I can see with what you're doing"},{"speaker":"Average Joe Finances","startTime":945.711,"endTime":948.681,"body":"right now, especially with this book and"},{"speaker":"Average Joe Finances","startTime":948.681,"endTime":952.581,"body":"the community that you're building, you're"},{"speaker":"Average Joe Finances","startTime":948.681,"endTime":952.581,"body":"going to be teaching for a long time."},{"speaker":"Average Joe Finances","startTime":952.623,"endTime":956.03,"body":"And the beautiful part about it is"},{"speaker":"Average Joe Finances","startTime":952.623,"endTime":956.03,"body":"because of, how much you enjoy doing it."},{"speaker":"Average Joe Finances","startTime":956.06,"endTime":957.86,"body":"I could definitely tell that"},{"speaker":"Average Joe Finances","startTime":956.06,"endTime":957.86,"body":"you're passionate about this."},{"speaker":"Average Joe Finances","startTime":957.884,"endTime":960.614,"body":"When you're doing something that"},{"speaker":"Average Joe Finances","startTime":957.884,"endTime":960.614,"body":"you really love doing, can you"},{"speaker":"Average Joe Finances","startTime":960.824,"endTime":962.324,"body":"even really consider that work?"},{"speaker":"Average Joe Finances","startTime":962.41,"endTime":963.876,"body":"So it's definitely something that's cool."},{"speaker":"Average Joe Finances","startTime":963.93,"endTime":964.35,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":964.53,"endTime":966.84,"body":"So talking about the FIRE movement, right?"},{"speaker":"Average Joe Finances","startTime":966.84,"endTime":968.55,"body":"Financial independence retire early."},{"speaker":"Average Joe Finances","startTime":968.55,"endTime":971.67,"body":"So who is the fire movement for?"},{"speaker":"Dan Sheeks","startTime":971.846,"endTime":973.496,"body":"It's a select group, actually."},{"speaker":"Dan Sheeks","startTime":973.526,"endTime":974.936,"body":"I don't think it's for everybody."},{"speaker":"Dan Sheeks","startTime":975.039,"endTime":978.469,"body":"Early financial independence is"},{"speaker":"Dan Sheeks","startTime":975.039,"endTime":978.469,"body":"not something that's easy to get."},{"speaker":"Dan Sheeks","startTime":978.469,"endTime":983.235,"body":"It does require making some choices that"},{"speaker":"Dan Sheeks","startTime":978.469,"endTime":983.235,"body":"are not there that are freakish, honestly."},{"speaker":"Dan Sheeks","startTime":983.235,"endTime":985.359,"body":"Just like entrepreneurship"},{"speaker":"Dan Sheeks","startTime":983.235,"endTime":985.359,"body":"is not for everybody."},{"speaker":"Dan Sheeks","startTime":985.359,"endTime":988.294,"body":"Being in the Navy is not for everybody"},{"speaker":"Dan Sheeks","startTime":985.359,"endTime":988.294,"body":"being a teacher is not for everybody."},{"speaker":"Dan Sheeks","startTime":988.294,"endTime":992.32,"body":"So the FIRE movement is for people"},{"speaker":"Dan Sheeks","startTime":988.294,"endTime":992.32,"body":"who have the mindset where they're"},{"speaker":"Dan Sheeks","startTime":992.32,"endTime":994.18,"body":"willing to make those different choices."},{"speaker":"Dan Sheeks","startTime":994.36,"endTime":999.19,"body":"And I don't like to use the word sacrifice"},{"speaker":"Dan Sheeks","startTime":994.36,"endTime":999.19,"body":"because that's not part of the journey."},{"speaker":"Dan Sheeks","startTime":999.253,"endTime":1001.823,"body":"But you're also not going to be able"},{"speaker":"Dan Sheeks","startTime":999.253,"endTime":1001.823,"body":"to spend everything you make and"},{"speaker":"Dan Sheeks","startTime":1001.863,"endTime":1003.273,"body":"achieve really financial independence."},{"speaker":"Dan Sheeks","startTime":1003.273,"endTime":1004.902,"body":"So you're going to have"},{"speaker":"Dan Sheeks","startTime":1003.273,"endTime":1004.902,"body":"some element of frugality."},{"speaker":"Dan Sheeks","startTime":1004.921,"endTime":1009.456,"body":"And so it's for those people who, if you"},{"speaker":"Dan Sheeks","startTime":1004.921,"endTime":1009.456,"body":"want up to anybody and said, would you"},{"speaker":"Dan Sheeks","startTime":1009.456,"endTime":1015.163,"body":"like to have the ability to retire or"},{"speaker":"Dan Sheeks","startTime":1009.456,"endTime":1015.163,"body":"do whatever you want, earlier in life."},{"speaker":"Dan Sheeks","startTime":1015.553,"endTime":1018.343,"body":"I think everyone would say yes,"},{"speaker":"Dan Sheeks","startTime":1015.553,"endTime":1018.343,"body":"but then the followup is well,"},{"speaker":"Dan Sheeks","startTime":1018.853,"endTime":1022.604,"body":"that's possible to proven journey"},{"speaker":"Dan Sheeks","startTime":1018.853,"endTime":1022.604,"body":"many people have done it already."},{"speaker":"Dan Sheeks","startTime":1022.964,"endTime":1024.914,"body":"So here's the list of"},{"speaker":"Dan Sheeks","startTime":1022.964,"endTime":1024.914,"body":"things you need to do."},{"speaker":"Dan Sheeks","startTime":1025.934,"endTime":1027.914,"body":"Not everybody's on onboard for that."},{"speaker":"Dan Sheeks","startTime":1027.914,"endTime":1028.514,"body":"And that's fine."},{"speaker":"Dan Sheeks","startTime":1028.615,"endTime":1031.105,"body":"Yeah, I think the FIRE movement is for"},{"speaker":"Dan Sheeks","startTime":1028.615,"endTime":1031.105,"body":"those people who were actually willing"},{"speaker":"Dan Sheeks","startTime":1031.105,"endTime":1035.503,"body":"to pull the trigger and make some of"},{"speaker":"Dan Sheeks","startTime":1031.105,"endTime":1035.503,"body":"these adjustments in their life and earn"},{"speaker":"Dan Sheeks","startTime":1035.503,"endTime":1037.693,"body":"more and save less and invest wisely."},{"speaker":"Dan Sheeks","startTime":1037.693,"endTime":1041.953,"body":"It's kinda what it comes down to so"},{"speaker":"Dan Sheeks","startTime":1037.693,"endTime":1041.953,"body":"that they can reach that milestone"},{"speaker":"Dan Sheeks","startTime":1042.523,"endTime":1046.813,"body":"decades before 65 and then have"},{"speaker":"Dan Sheeks","startTime":1042.523,"endTime":1046.813,"body":"many more options in their life."},{"speaker":"Average Joe Finances","startTime":1047.123,"endTime":1048.203,"body":"Yeah, absolutely."},{"speaker":"Average Joe Finances","startTime":1048.242,"endTime":1051.182,"body":"So I'm sitting here taking"},{"speaker":"Average Joe Finances","startTime":1048.242,"endTime":1051.182,"body":"notes as you're talking again."},{"speaker":"Average Joe Finances","startTime":1051.182,"endTime":1055.89,"body":"And when you say how FIRE is not for"},{"speaker":"Average Joe Finances","startTime":1051.182,"endTime":1055.89,"body":"everybody, the idea of FIRE is something"},{"speaker":"Average Joe Finances","startTime":1055.89,"endTime":1057.57,"body":"that everybody loves right now."},{"speaker":"Average Joe Finances","startTime":1058.26,"endTime":1058.95,"body":"You had mentioned that."},{"speaker":"Average Joe Finances","startTime":1060.24,"endTime":1063.93,"body":"Any random person said, Hey, if you"},{"speaker":"Average Joe Finances","startTime":1060.24,"endTime":1063.93,"body":"could retire early and just go live"},{"speaker":"Average Joe Finances","startTime":1063.93,"endTime":1065.17,"body":"the life you want, would you do it."},{"speaker":"Average Joe Finances","startTime":1065.19,"endTime":1066.42,"body":"Of course, they're going to say yes."},{"speaker":"Average Joe Finances","startTime":1066.432,"endTime":1069.953,"body":"And then the thing is what are you"},{"speaker":"Average Joe Finances","startTime":1066.432,"endTime":1069.953,"body":"willing to give up to make that happen?"},{"speaker":"Average Joe Finances","startTime":1069.953,"endTime":1071.163,"body":"What are you willing to do?"},{"speaker":"Average Joe Finances","startTime":1071.189,"endTime":1073.672,"body":"And I like how you said"},{"speaker":"Average Joe Finances","startTime":1071.189,"endTime":1073.672,"body":"it's not a sacrifice."},{"speaker":"Average Joe Finances","startTime":1073.697,"endTime":1077.672,"body":"And typically, when we talk about"},{"speaker":"Average Joe Finances","startTime":1073.697,"endTime":1077.672,"body":"this topic, we talk about the"},{"speaker":"Average Joe Finances","startTime":1077.672,"endTime":1079.172,"body":"different sacrifices you have to make."},{"speaker":"Average Joe Finances","startTime":1079.922,"endTime":1083.342,"body":"And I like how you say it's not"},{"speaker":"Average Joe Finances","startTime":1079.922,"endTime":1083.342,"body":"a sacrifice because I've always"},{"speaker":"Average Joe Finances","startTime":1083.342,"endTime":1084.272,"body":"called it a sacrifice too."},{"speaker":"Average Joe Finances","startTime":1084.272,"endTime":1087.182,"body":"I always said, oh, I'm"},{"speaker":"Average Joe Finances","startTime":1084.272,"endTime":1087.182,"body":"sacrificing this to, to gain this."},{"speaker":"Average Joe Finances","startTime":1087.222,"endTime":1088.842,"body":"But realistically, it's not a sacrifice."},{"speaker":"Average Joe Finances","startTime":1088.842,"endTime":1089.742,"body":"It's a choice."},{"speaker":"Average Joe Finances","startTime":1089.892,"endTime":1094.722,"body":"It's a choice that I made"},{"speaker":"Average Joe Finances","startTime":1089.892,"endTime":1094.722,"body":"to not do something to have"},{"speaker":"Average Joe Finances","startTime":1094.722,"endTime":1096.082,"body":"a better result elsewhere."},{"speaker":"Average Joe Finances","startTime":1096.082,"endTime":1097.387,"body":"Because life's full of choices."},{"speaker":"Average Joe Finances","startTime":1097.441,"endTime":1099.301,"body":"I think that's a key thing."},{"speaker":"Average Joe Finances","startTime":1099.301,"endTime":1100.711,"body":"And that's why I wanted to write it down."},{"speaker":"Average Joe Finances","startTime":1100.711,"endTime":1104.041,"body":"That it's not a sacrifice because"},{"speaker":"Average Joe Finances","startTime":1100.711,"endTime":1104.041,"body":"I think I have to get that out of"},{"speaker":"Average Joe Finances","startTime":1104.041,"endTime":1106.111,"body":"my vocabulary, myself personally."},{"speaker":"Average Joe Finances","startTime":1106.321,"endTime":1109.467,"body":"So this is like a personal growth"},{"speaker":"Average Joe Finances","startTime":1106.321,"endTime":1109.467,"body":"thing for me to realize that,"},{"speaker":"Average Joe Finances","startTime":1109.467,"endTime":1110.997,"body":"Hey, I'm not making sacrifices."},{"speaker":"Average Joe Finances","startTime":1110.997,"endTime":1115.347,"body":"I'm making personal choices"},{"speaker":"Average Joe Finances","startTime":1110.997,"endTime":1115.347,"body":"that affect a better lifestyle."},{"speaker":"Average Joe Finances","startTime":1115.356,"endTime":1116.27,"body":"A couple of years from now."},{"speaker":"Average Joe Finances","startTime":1116.288,"endTime":1118.227,"body":"And you said that there has"},{"speaker":"Average Joe Finances","startTime":1116.288,"endTime":1118.227,"body":"to be an element of frugality."},{"speaker":"Average Joe Finances","startTime":1118.227,"endTime":1123.147,"body":"Now, a lot of people look at the"},{"speaker":"Average Joe Finances","startTime":1118.227,"endTime":1123.147,"body":"fire movement and they say, oh"},{"speaker":"Average Joe Finances","startTime":1123.147,"endTime":1126.219,"body":"yeah those guys, they just, they"},{"speaker":"Average Joe Finances","startTime":1123.147,"endTime":1126.219,"body":"don't spend on anything and they're"},{"speaker":"Average Joe Finances","startTime":1126.219,"endTime":1128.199,"body":"coupon cutters and this and that."},{"speaker":"Average Joe Finances","startTime":1128.275,"endTime":1129.835,"body":"Cheap and blah, blah, blah."},{"speaker":"Average Joe Finances","startTime":1130.105,"endTime":1134.049,"body":"So it's not necessarily that there's"},{"speaker":"Average Joe Finances","startTime":1130.105,"endTime":1134.049,"body":"some people that are really extreme"},{"speaker":"Average Joe Finances","startTime":1134.409,"endTime":1138.0,"body":"and it's if they spend more than like"},{"speaker":"Average Joe Finances","startTime":1134.409,"endTime":1138.0,"body":"a dollar 50 per meal, they're upset."},{"speaker":"Average Joe Finances","startTime":1138.084,"endTime":1141.339,"body":"What do you do to, to the"},{"speaker":"Average Joe Finances","startTime":1138.084,"endTime":1141.339,"body":"people that, that lump everybody"},{"speaker":"Average Joe Finances","startTime":1141.339,"endTime":1142.875,"body":"into that one category?"},{"speaker":"Average Joe Finances","startTime":1142.888,"endTime":1146.193,"body":"I guess you can call them like these"},{"speaker":"Average Joe Finances","startTime":1142.888,"endTime":1146.193,"body":"fire haters, or fire extinguishers."},{"speaker":"Average Joe Finances","startTime":1146.193,"endTime":1146.943,"body":"That's what I'm going to call them."},{"speaker":"Average Joe Finances","startTime":1146.943,"endTime":1148.365,"body":"You have these FIRE extinguishers."},{"speaker":"Average Joe Finances","startTime":1148.725,"endTime":1150.077,"body":"What do you say to somebody like that?"},{"speaker":"Average Joe Finances","startTime":1150.147,"endTime":1153.52,"body":"That just puts you in this category and"},{"speaker":"Average Joe Finances","startTime":1150.147,"endTime":1153.52,"body":"thinks that you're nothing, somebody"},{"speaker":"Average Joe Finances","startTime":1153.548,"endTime":1158.793,"body":"who's a frugal and not like overly"},{"speaker":"Average Joe Finances","startTime":1153.548,"endTime":1158.793,"body":"frugal, like extreme, and that's what"},{"speaker":"Average Joe Finances","startTime":1158.793,"endTime":1161.512,"body":"they think everybody is like, how do"},{"speaker":"Average Joe Finances","startTime":1158.793,"endTime":1161.512,"body":"you respond to something like that?"},{"speaker":"Dan Sheeks","startTime":1161.782,"endTime":1163.402,"body":"First, I love that term."},{"speaker":"Dan Sheeks","startTime":1163.402,"endTime":1167.499,"body":"I don't know if you just made that up, but"},{"speaker":"Dan Sheeks","startTime":1163.402,"endTime":1167.499,"body":"the FIRE extinguishers, that is amazing."},{"speaker":"Dan Sheeks","startTime":1167.522,"endTime":1169.412,"body":"The people who are anti FIRE movements."},{"speaker":"Dan Sheeks","startTime":1169.442,"endTime":1169.622,"body":"Yeah."},{"speaker":"Dan Sheeks","startTime":1169.622,"endTime":1170.792,"body":"They're FIRE extinguishers."},{"speaker":"Dan Sheeks","startTime":1170.859,"endTime":1173.681,"body":"And they're out there, I think"},{"speaker":"Dan Sheeks","startTime":1170.859,"endTime":1173.681,"body":"every movement has always had people"},{"speaker":"Dan Sheeks","startTime":1173.681,"endTime":1178.948,"body":"who think that it's not doable"},{"speaker":"Dan Sheeks","startTime":1173.681,"endTime":1178.948,"body":"or it's not a reasonable pathway."},{"speaker":"Dan Sheeks","startTime":1179.003,"endTime":1179.279,"body":"Yeah."},{"speaker":"Dan Sheeks","startTime":1179.348,"endTime":1184.443,"body":"I don't say anything to them because if"},{"speaker":"Dan Sheeks","startTime":1179.348,"endTime":1184.443,"body":"someone's mind's made up that the fire,"},{"speaker":"Dan Sheeks","startTime":1184.443,"endTime":1185.943,"body":"movement's not for them, then that's fine."},{"speaker":"Dan Sheeks","startTime":1186.01,"endTime":1189.31,"body":"But for someone who's contemplating the"},{"speaker":"Dan Sheeks","startTime":1186.01,"endTime":1189.31,"body":"FIRE movement, if they had a question and"},{"speaker":"Dan Sheeks","startTime":1189.31,"endTime":1191.263,"body":"they said, I don't want to live cheap."},{"speaker":"Dan Sheeks","startTime":1191.293,"endTime":1194.893,"body":"I don't want to sacrifice the"},{"speaker":"Dan Sheeks","startTime":1191.293,"endTime":1194.893,"body":"things that I really care about."},{"speaker":"Dan Sheeks","startTime":1194.893,"endTime":1195.924,"body":"I would say that's fine."},{"speaker":"Dan Sheeks","startTime":1195.924,"endTime":1197.542,"body":"Cause that's not what"},{"speaker":"Dan Sheeks","startTime":1195.924,"endTime":1197.542,"body":"the five minutes about."},{"speaker":"Dan Sheeks","startTime":1197.564,"endTime":1201.434,"body":"There's a difference between"},{"speaker":"Dan Sheeks","startTime":1197.564,"endTime":1201.434,"body":"being cheap and being frugal."},{"speaker":"Dan Sheeks","startTime":1201.434,"endTime":1206.549,"body":"Cheap is I don't spend any money or"},{"speaker":"Dan Sheeks","startTime":1201.434,"endTime":1206.549,"body":"I spend as little money as possible."},{"speaker":"Dan Sheeks","startTime":1206.549,"endTime":1210.759,"body":"That's cheap frugal is I only"},{"speaker":"Dan Sheeks","startTime":1206.549,"endTime":1210.759,"body":"spend money on things I value."},{"speaker":"Dan Sheeks","startTime":1210.759,"endTime":1211.9,"body":"And there's a big difference there."},{"speaker":"Dan Sheeks","startTime":1211.97,"endTime":1216.29,"body":"I always say if you're living frugally,"},{"speaker":"Dan Sheeks","startTime":1211.97,"endTime":1216.29,"body":"you are absolutely spending money."},{"speaker":"Dan Sheeks","startTime":1216.29,"endTime":1219.08,"body":"Sometimes the lavishly spending"},{"speaker":"Dan Sheeks","startTime":1216.29,"endTime":1219.08,"body":"money on the things that you've done."},{"speaker":"Dan Sheeks","startTime":1220.25,"endTime":1226.22,"body":"As you should, the path to fi to get to"},{"speaker":"Dan Sheeks","startTime":1220.25,"endTime":1226.22,"body":"that point, shouldn't be a path where"},{"speaker":"Dan Sheeks","startTime":1226.22,"endTime":1227.93,"body":"you're sacrificing your happiness."},{"speaker":"Dan Sheeks","startTime":1227.93,"endTime":1232.91,"body":"You should still have an abundant"},{"speaker":"Dan Sheeks","startTime":1227.93,"endTime":1232.91,"body":"amount of happiness during the"},{"speaker":"Dan Sheeks","startTime":1232.91,"endTime":1234.83,"body":"journey, and then afterwards as well."},{"speaker":"Dan Sheeks","startTime":1235.31,"endTime":1238.04,"body":"So you do still spend money"},{"speaker":"Dan Sheeks","startTime":1235.31,"endTime":1238.04,"body":"on the things that you value."},{"speaker":"Dan Sheeks","startTime":1238.04,"endTime":1240.59,"body":"You just stop spending money"},{"speaker":"Dan Sheeks","startTime":1238.04,"endTime":1240.59,"body":"on the things you don't."},{"speaker":"Dan Sheeks","startTime":1240.607,"endTime":1243.854,"body":"And when people actually start to"},{"speaker":"Dan Sheeks","startTime":1240.607,"endTime":1243.854,"body":"analyze their spending tracking"},{"speaker":"Dan Sheeks","startTime":1243.854,"endTime":1245.094,"body":"their expenses is a great way to do."},{"speaker":"Dan Sheeks","startTime":1245.879,"endTime":1249.875,"body":"They start realizing I do spend a lot"},{"speaker":"Dan Sheeks","startTime":1245.879,"endTime":1249.875,"body":"of money on things that don't value."},{"speaker":"Dan Sheeks","startTime":1249.91,"endTime":1254.602,"body":"If someone isn't really that, if they're"},{"speaker":"Dan Sheeks","startTime":1249.91,"endTime":1254.602,"body":"not that into food, they're not a"},{"speaker":"Dan Sheeks","startTime":1254.602,"endTime":1258.823,"body":"foodie, but they see they're spending"},{"speaker":"Dan Sheeks","startTime":1254.602,"endTime":1258.823,"body":"hundreds of dollars every week eating"},{"speaker":"Dan Sheeks","startTime":1258.823,"endTime":1266.033,"body":"out or getting door dash or Uber eats"},{"speaker":"Dan Sheeks","startTime":1258.823,"endTime":1266.033,"body":"or carry out or the grocery store."},{"speaker":"Dan Sheeks","startTime":1266.043,"endTime":1268.413,"body":"They're just not planning their meals"},{"speaker":"Dan Sheeks","startTime":1266.043,"endTime":1268.413,"body":"well, and they're throwing away a few."},{"speaker":"Dan Sheeks","startTime":1268.427,"endTime":1272.429,"body":"There's a lot of money that you could save"},{"speaker":"Dan Sheeks","startTime":1268.427,"endTime":1272.429,"body":"there and not sacrifice any happiness."},{"speaker":"Dan Sheeks","startTime":1272.565,"endTime":1276.441,"body":"Without really, too much of effort and"},{"speaker":"Dan Sheeks","startTime":1272.565,"endTime":1276.441,"body":"there's so many examples, but there are a"},{"speaker":"Dan Sheeks","startTime":1276.441,"endTime":1280.941,"body":"lot of things because when you're of that"},{"speaker":"Dan Sheeks","startTime":1276.441,"endTime":1280.941,"body":"mindset, the traditional American dream"},{"speaker":"Dan Sheeks","startTime":1280.941,"endTime":1285.861,"body":"pathway that I get to spend everything"},{"speaker":"Dan Sheeks","startTime":1280.941,"endTime":1285.861,"body":"I make, then we just start spending"},{"speaker":"Dan Sheeks","startTime":1286.161,"endTime":1288.201,"body":"without really any intentionality."},{"speaker":"Dan Sheeks","startTime":1288.201,"endTime":1292.476,"body":"We start wasting money on things"},{"speaker":"Dan Sheeks","startTime":1288.201,"endTime":1292.476,"body":"that are nice, but we really don't"},{"speaker":"Dan Sheeks","startTime":1292.836,"endTime":1294.396,"body":"value them or want them at all."},{"speaker":"Average Joe Finances","startTime":1295.981,"endTime":1296.701,"body":"I liked that."},{"speaker":"Average Joe Finances","startTime":1296.701,"endTime":1299.371,"body":"I like what you just said, like"},{"speaker":"Average Joe Finances","startTime":1296.701,"endTime":1299.371,"body":"spending without intentionality, right?"},{"speaker":"Average Joe Finances","startTime":1299.371,"endTime":1301.051,"body":"So you with without intention."},{"speaker":"Average Joe Finances","startTime":1301.121,"endTime":1305.404,"body":"It's almost like spending money just to"},{"speaker":"Average Joe Finances","startTime":1301.121,"endTime":1305.404,"body":"spend and, I've had a guest on and we in"},{"speaker":"Average Joe Finances","startTime":1305.434,"endTime":1308.344,"body":"the past, and one of the things we talked"},{"speaker":"Average Joe Finances","startTime":1305.434,"endTime":1308.344,"body":"about is like the two different types"},{"speaker":"Average Joe Finances","startTime":1308.374,"endTime":1309.928,"body":"of people when it comes to money, right?"},{"speaker":"Average Joe Finances","startTime":1309.928,"endTime":1311.038,"body":"You have spenders and you have saver."},{"speaker":"Average Joe Finances","startTime":1311.838,"endTime":1315.487,"body":"And a lot of people think that if you're"},{"speaker":"Average Joe Finances","startTime":1311.838,"endTime":1315.487,"body":"a spender you can't, you can never save."},{"speaker":"Average Joe Finances","startTime":1315.487,"endTime":1318.959,"body":"You can never, invest in anything"},{"speaker":"Average Joe Finances","startTime":1315.487,"endTime":1318.959,"body":"you can't because you always want to"},{"speaker":"Average Joe Finances","startTime":1318.97,"endTime":1321.933,"body":"spend I could tell you like my wife"},{"speaker":"Average Joe Finances","startTime":1318.97,"endTime":1321.933,"body":"and I are polar opposites, right?"},{"speaker":"Average Joe Finances","startTime":1321.993,"endTime":1323.523,"body":"I'm a spender, she's a saver."},{"speaker":"Average Joe Finances","startTime":1323.553,"endTime":1324.813,"body":"And it's funny because here I am."},{"speaker":"Average Joe Finances","startTime":1324.893,"endTime":1326.772,"body":"I'm the average Joe finances guy."},{"speaker":"Average Joe Finances","startTime":1326.802,"endTime":1328.392,"body":"And here I am calling myself a spender."},{"speaker":"Average Joe Finances","startTime":1328.459,"endTime":1330.441,"body":"The thing is, what I did"},{"speaker":"Average Joe Finances","startTime":1328.459,"endTime":1330.441,"body":"is I changed my mindset."},{"speaker":"Average Joe Finances","startTime":1330.441,"endTime":1333.621,"body":"I changed how I looked"},{"speaker":"Average Joe Finances","startTime":1330.441,"endTime":1333.621,"body":"at how I spend my money."},{"speaker":"Average Joe Finances","startTime":1333.662,"endTime":1334.712,"body":"And I pay myself."},{"speaker":"Average Joe Finances","startTime":1334.712,"endTime":1338.199,"body":"Now I pay myself first and by paying"},{"speaker":"Average Joe Finances","startTime":1334.712,"endTime":1338.199,"body":"myself, I pay into my investments."},{"speaker":"Average Joe Finances","startTime":1338.199,"endTime":1339.909,"body":"I spend my money there first."},{"speaker":"Average Joe Finances","startTime":1340.209,"endTime":1341.409,"body":"Then I pay my bills."},{"speaker":"Average Joe Finances","startTime":1341.45,"endTime":1342.83,"body":"And then whatever's left over."},{"speaker":"Average Joe Finances","startTime":1342.92,"endTime":1345.213,"body":"That can be, for whatever right."},{"speaker":"Average Joe Finances","startTime":1345.247,"endTime":1349.147,"body":"Or reinvested, but I just"},{"speaker":"Average Joe Finances","startTime":1345.247,"endTime":1349.147,"body":"changed what I'm looking."},{"speaker":"Average Joe Finances","startTime":1349.697,"endTime":1353.717,"body":"How I spend my money and what I'm"},{"speaker":"Average Joe Finances","startTime":1349.697,"endTime":1353.717,"body":"spending it on, and I'm spending"},{"speaker":"Average Joe Finances","startTime":1353.717,"endTime":1356.567,"body":"it on myself and I'm spending on my"},{"speaker":"Average Joe Finances","startTime":1353.717,"endTime":1356.567,"body":"wife and I'm spending it on my kids."},{"speaker":"Average Joe Finances","startTime":1356.567,"endTime":1357.857,"body":"I'm spending it on our future."},{"speaker":"Average Joe Finances","startTime":1357.924,"endTime":1362.299,"body":"So I, I think that's really important"},{"speaker":"Average Joe Finances","startTime":1357.924,"endTime":1362.299,"body":"because I guess what really changed for me"},{"speaker":"Average Joe Finances","startTime":1362.299,"endTime":1364.501,"body":"in that point is like what you mentioned."},{"speaker":"Average Joe Finances","startTime":1364.501,"endTime":1365.681,"body":"It was my intention."},{"speaker":"Average Joe Finances","startTime":1365.714,"endTime":1369.164,"body":"My intention changed when it came to"},{"speaker":"Average Joe Finances","startTime":1365.714,"endTime":1369.164,"body":"what I was doing with my finances."},{"speaker":"Average Joe Finances","startTime":1369.194,"endTime":1370.394,"body":"So it's funny."},{"speaker":"Average Joe Finances","startTime":1370.394,"endTime":1373.447,"body":"Cause the thing that was in the back"},{"speaker":"Average Joe Finances","startTime":1370.394,"endTime":1373.447,"body":"of my head, when I was asking you that"},{"speaker":"Average Joe Finances","startTime":1373.447,"endTime":1376.949,"body":"question about, the people that are"},{"speaker":"Average Joe Finances","startTime":1373.447,"endTime":1376.949,"body":"haters of the fire movement, right?"},{"speaker":"Average Joe Finances","startTime":1376.949,"endTime":1379.721,"body":"The FIRE extinguishers the thing that I"},{"speaker":"Average Joe Finances","startTime":1376.949,"endTime":1379.721,"body":"had in the back of my head, was it you"},{"speaker":"Average Joe Finances","startTime":1379.721,"endTime":1381.761,"body":"ever seen that show extreme cheapskates?"},{"speaker":"Average Joe Finances","startTime":1381.948,"endTime":1385.518,"body":"I think it's on HGTV or"},{"speaker":"Average Joe Finances","startTime":1381.948,"endTime":1385.518,"body":"TLC or Bravo, one of those?"},{"speaker":"Dan Sheeks","startTime":1385.548,"endTime":1386.718,"body":"No, I don't think so."},{"speaker":"Average Joe Finances","startTime":1387.018,"endTime":1387.408,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":1387.408,"endTime":1392.621,"body":"So my, my wife loves this show"},{"speaker":"Average Joe Finances","startTime":1387.408,"endTime":1392.621,"body":"and I pop in and look every now"},{"speaker":"Average Joe Finances","startTime":1392.621,"endTime":1393.641,"body":"and then when she has it on."},{"speaker":"Average Joe Finances","startTime":1393.705,"endTime":1396.489,"body":"And sometimes it scares me cause I'm"},{"speaker":"Average Joe Finances","startTime":1393.705,"endTime":1396.489,"body":"like, don't be getting any ideas from"},{"speaker":"Average Joe Finances","startTime":1396.489,"endTime":1400.479,"body":"what they're doing, but it basically"},{"speaker":"Average Joe Finances","startTime":1396.489,"endTime":1400.479,"body":"talks about like the people that are"},{"speaker":"Average Joe Finances","startTime":1400.479,"endTime":1405.188,"body":"extremely frugal, like to the point"},{"speaker":"Average Joe Finances","startTime":1400.479,"endTime":1405.188,"body":"where it's almost unhealthy and It's"},{"speaker":"Average Joe Finances","startTime":1405.478,"endTime":1408.968,"body":"and there was extreme cheapskates and"},{"speaker":"Average Joe Finances","startTime":1405.478,"endTime":1408.968,"body":"there's another one with time, like"},{"speaker":"Average Joe Finances","startTime":1408.968,"endTime":1410.978,"body":"with how people save time in their life."},{"speaker":"Average Joe Finances","startTime":1411.008,"endTime":1412.238,"body":"And it is absolutely."},{"speaker":"Average Joe Finances","startTime":1412.565,"endTime":1413.34,"body":"Over the top."},{"speaker":"Average Joe Finances","startTime":1413.34,"endTime":1415.002,"body":"And that's one of the things that"},{"speaker":"Average Joe Finances","startTime":1413.34,"endTime":1415.002,"body":"I'm talking about, like in the back"},{"speaker":"Average Joe Finances","startTime":1415.002,"endTime":1418.733,"body":"of my head that people lump us into"},{"speaker":"Average Joe Finances","startTime":1415.002,"endTime":1418.733,"body":"that, and it doesn't help that there's"},{"speaker":"Average Joe Finances","startTime":1419.063,"endTime":1423.269,"body":"shows that are, advocating that or"},{"speaker":"Average Joe Finances","startTime":1419.063,"endTime":1423.269,"body":"like really putting a spotlight on"},{"speaker":"Average Joe Finances","startTime":1423.269,"endTime":1426.192,"body":"that lifestyle because that is not"},{"speaker":"Average Joe Finances","startTime":1423.269,"endTime":1426.192,"body":"everybody that's in the FIRE movement."},{"speaker":"Average Joe Finances","startTime":1426.289,"endTime":1429.861,"body":"People get scared when you talk about this"},{"speaker":"Average Joe Finances","startTime":1426.289,"endTime":1429.861,"body":"stuff, people want to run away or they"},{"speaker":"Average Joe Finances","startTime":1429.861,"endTime":1432.772,"body":"think you're trying to sell them something"},{"speaker":"Average Joe Finances","startTime":1429.861,"endTime":1432.772,"body":"when really just Hey man you can do this."},{"speaker":"Average Joe Finances","startTime":1432.772,"endTime":1434.402,"body":"And here's how here's how I'm doing it."},{"speaker":"Average Joe Finances","startTime":1434.582,"endTime":1435.842,"body":"You don't have to do"},{"speaker":"Average Joe Finances","startTime":1434.582,"endTime":1435.842,"body":"it the same way as me."},{"speaker":"Average Joe Finances","startTime":1436.172,"endTime":1438.809,"body":"You don't have to do it the same way"},{"speaker":"Average Joe Finances","startTime":1436.172,"endTime":1438.809,"body":"as Dan, but there is a way you just."},{"speaker":"Average Joe Finances","startTime":1438.889,"endTime":1442.409,"body":"Focus, build goals and work"},{"speaker":"Average Joe Finances","startTime":1438.889,"endTime":1442.409,"body":"towards achieving them."},{"speaker":"Average Joe Finances","startTime":1442.423,"endTime":1444.733,"body":"Not everyone's going to do it"},{"speaker":"Average Joe Finances","startTime":1442.423,"endTime":1444.733,"body":"the same way and not everyone's"},{"speaker":"Average Joe Finances","startTime":1444.733,"endTime":1446.323,"body":"method works for everybody."},{"speaker":"Average Joe Finances","startTime":1446.623,"endTime":1448.753,"body":"And I think that's something that"},{"speaker":"Average Joe Finances","startTime":1446.623,"endTime":1448.753,"body":"you had mentioned earlier, right?"},{"speaker":"Average Joe Finances","startTime":1448.755,"endTime":1450.162,"body":"There's different ways to do it."},{"speaker":"Average Joe Finances","startTime":1450.162,"endTime":1453.012,"body":"Like you said, like the Navy is not"},{"speaker":"Average Joe Finances","startTime":1450.162,"endTime":1453.012,"body":"for everybody being a, teacher's"},{"speaker":"Average Joe Finances","startTime":1453.012,"endTime":1456.845,"body":"not for everybody being an engineer"},{"speaker":"Average Joe Finances","startTime":1453.012,"endTime":1456.845,"body":"or a, doctor's not for everybody,"},{"speaker":"Average Joe Finances","startTime":1456.845,"endTime":1458.105,"body":"but those are high paying jobs."},{"speaker":"Average Joe Finances","startTime":1458.168,"endTime":1461.93,"body":"But it comes with a lot of sacrifice"},{"speaker":"Average Joe Finances","startTime":1458.168,"endTime":1461.93,"body":"too, with the debt and the student loans"},{"speaker":"Average Joe Finances","startTime":1461.93,"endTime":1463.07,"body":"and all that stuff that comes with it."},{"speaker":"Average Joe Finances","startTime":1463.46,"endTime":1465.993,"body":"So there's always choices"},{"speaker":"Average Joe Finances","startTime":1463.46,"endTime":1465.993,"body":"that we make in our life."},{"speaker":"Average Joe Finances","startTime":1465.993,"endTime":1469.535,"body":"And the, I guess the ultimate thing"},{"speaker":"Average Joe Finances","startTime":1465.993,"endTime":1469.535,"body":"is just making sure that, you choose"},{"speaker":"Average Joe Finances","startTime":1469.535,"endTime":1471.875,"body":"a path that makes you happy, right?"},{"speaker":"Average Joe Finances","startTime":1471.876,"endTime":1473.606,"body":"Because there was something"},{"speaker":"Average Joe Finances","startTime":1471.876,"endTime":1473.606,"body":"else that you mentioned."},{"speaker":"Average Joe Finances","startTime":1473.636,"endTime":1476.266,"body":"I wrote this down too, an"},{"speaker":"Average Joe Finances","startTime":1473.636,"endTime":1476.266,"body":"abundance of happiness, right?"},{"speaker":"Average Joe Finances","startTime":1476.566,"endTime":1479.806,"body":"You can still live this life"},{"speaker":"Average Joe Finances","startTime":1476.566,"endTime":1479.806,"body":"while you're building up your"},{"speaker":"Average Joe Finances","startTime":1479.806,"endTime":1481.546,"body":"financial independence and be happy."},{"speaker":"Average Joe Finances","startTime":1481.546,"endTime":1483.316,"body":"You can have that abundance of happiness."},{"speaker":"Average Joe Finances","startTime":1483.349,"endTime":1484.939,"body":"And then it's going to flow even more."},{"speaker":"Average Joe Finances","startTime":1484.939,"endTime":1487.219,"body":"Once you reach that financial"},{"speaker":"Average Joe Finances","startTime":1484.939,"endTime":1487.219,"body":"independence journey."},{"speaker":"Average Joe Finances","startTime":1487.699,"endTime":1491.329,"body":"And I think a lot of people are mistaken"},{"speaker":"Average Joe Finances","startTime":1487.699,"endTime":1491.329,"body":"with the, when it comes to FIRE because"},{"speaker":"Average Joe Finances","startTime":1491.569,"endTime":1496.772,"body":"they focus a lot on the R E portion of"},{"speaker":"Average Joe Finances","startTime":1491.569,"endTime":1496.772,"body":"that, the retire early and not so much"},{"speaker":"Average Joe Finances","startTime":1496.772,"endTime":1499.142,"body":"the F I, the financial independence."},{"speaker":"Average Joe Finances","startTime":1499.502,"endTime":1501.392,"body":"And I know this is something"},{"speaker":"Average Joe Finances","startTime":1499.502,"endTime":1501.392,"body":"that was always in the back of my"},{"speaker":"Average Joe Finances","startTime":1501.392,"endTime":1503.473,"body":"head was like Hey, I like FIRE."},{"speaker":"Average Joe Finances","startTime":1503.503,"endTime":1507.741,"body":"I like the whole movement, but I"},{"speaker":"Average Joe Finances","startTime":1503.503,"endTime":1507.741,"body":"don't know about retiring, in my late"},{"speaker":"Average Joe Finances","startTime":1507.741,"endTime":1510.349,"body":"thirties and early forties I want"},{"speaker":"Average Joe Finances","startTime":1507.741,"endTime":1510.349,"body":"to continue doing what I'm doing."},{"speaker":"Average Joe Finances","startTime":1510.349,"endTime":1511.309,"body":"Like I have a mission."},{"speaker":"Average Joe Finances","startTime":1511.309,"endTime":1515.247,"body":"I have, I really enjoy what I'm doing"},{"speaker":"Average Joe Finances","startTime":1511.309,"endTime":1515.247,"body":"with this podcast in real estate."},{"speaker":"Average Joe Finances","startTime":1515.3,"endTime":1516.35,"body":"I don't want to stop that."},{"speaker":"Average Joe Finances","startTime":1516.35,"endTime":1517.176,"body":"I want to keep going."},{"speaker":"Average Joe Finances","startTime":1517.176,"endTime":1520.635,"body":"And even when I hit that financial"},{"speaker":"Average Joe Finances","startTime":1517.176,"endTime":1520.635,"body":"independence number, which I'm very"},{"speaker":"Average Joe Finances","startTime":1520.635,"endTime":1524.548,"body":"close to where all my expenses are"},{"speaker":"Average Joe Finances","startTime":1520.635,"endTime":1524.548,"body":"covered by my passive income, it"},{"speaker":"Average Joe Finances","startTime":1524.548,"endTime":1526.078,"body":"doesn't mean that I'm going to stop."},{"speaker":"Average Joe Finances","startTime":1526.116,"endTime":1529.159,"body":"And there's something that that"},{"speaker":"Average Joe Finances","startTime":1526.116,"endTime":1529.159,"body":"was also in the book that was"},{"speaker":"Average Joe Finances","startTime":1529.187,"endTime":1530.58,"body":"talking about, when do you stop?"},{"speaker":"Average Joe Finances","startTime":1530.58,"endTime":1532.47,"body":"It was like the, I think it"},{"speaker":"Average Joe Finances","startTime":1530.58,"endTime":1532.47,"body":"was called the happiness curve."},{"speaker":"Average Joe Finances","startTime":1532.53,"endTime":1535.713,"body":"And it shows when you get to"},{"speaker":"Average Joe Finances","startTime":1532.53,"endTime":1535.713,"body":"that peak point and then when"},{"speaker":"Average Joe Finances","startTime":1535.713,"endTime":1536.772,"body":"it starts coming back down."},{"speaker":"Average Joe Finances","startTime":1536.789,"endTime":1539.909,"body":"If you could, can you share a"},{"speaker":"Average Joe Finances","startTime":1536.789,"endTime":1539.909,"body":"little bit about what that is and"},{"speaker":"Average Joe Finances","startTime":1539.909,"endTime":1543.819,"body":"how that affects, somebody in their"},{"speaker":"Average Joe Finances","startTime":1539.909,"endTime":1543.819,"body":"financial independence journey?."},{"speaker":"Dan Sheeks","startTime":1544.123,"endTime":1544.373,"body":"Yeah."},{"speaker":"Dan Sheeks","startTime":1544.373,"endTime":1547.634,"body":"So the happiness curve that's"},{"speaker":"Dan Sheeks","startTime":1544.373,"endTime":1547.634,"body":"in my book is borrowed."},{"speaker":"Dan Sheeks","startTime":1547.674,"endTime":1550.272,"body":"I won't say I won't say it's"},{"speaker":"Dan Sheeks","startTime":1547.674,"endTime":1550.272,"body":"stolen, but teachers are"},{"speaker":"Dan Sheeks","startTime":1550.272,"endTime":1551.262,"body":"really good at borrowing stuff."},{"speaker":"Dan Sheeks","startTime":1551.262,"endTime":1551.862,"body":"That's what we do."},{"speaker":"Dan Sheeks","startTime":1551.973,"endTime":1554.643,"body":"Your money or your life by"},{"speaker":"Dan Sheeks","startTime":1551.973,"endTime":1554.643,"body":"Vicki, Robin and Joe Dominguez."},{"speaker":"Dan Sheeks","startTime":1554.673,"endTime":1555.033,"body":"Awesome."},{"speaker":"Dan Sheeks","startTime":1555.033,"endTime":1555.663,"body":"Awesome book."},{"speaker":"Dan Sheeks","startTime":1555.993,"endTime":1559.263,"body":"If you haven't read it, you should,"},{"speaker":"Dan Sheeks","startTime":1555.993,"endTime":1559.263,"body":"they have the same thing and they"},{"speaker":"Dan Sheeks","startTime":1559.263,"endTime":1560.493,"body":"call it the fulfillment curve."},{"speaker":"Dan Sheeks","startTime":1560.558,"endTime":1562.07,"body":"I like to call it the happiness curve."},{"speaker":"Dan Sheeks","startTime":1562.07,"endTime":1563.34,"body":"So it's borrowed from them."},{"speaker":"Dan Sheeks","startTime":1563.34,"endTime":1566.659,"body":"And it basically it's wrapped"},{"speaker":"Dan Sheeks","startTime":1563.34,"endTime":1566.659,"body":"around the idea of enough"},{"speaker":"Dan Sheeks","startTime":1566.959,"endTime":1568.999,"body":"having enough plus a little bit."},{"speaker":"Dan Sheeks","startTime":1569.509,"endTime":1573.257,"body":"And the happiness curve says"},{"speaker":"Dan Sheeks","startTime":1569.509,"endTime":1573.257,"body":"that your maximum happiness"},{"speaker":"Dan Sheeks","startTime":1573.257,"endTime":1575.687,"body":"will peak when you have enough."},{"speaker":"Dan Sheeks","startTime":1575.717,"endTime":1578.747,"body":"Plus a little enough means you"},{"speaker":"Dan Sheeks","startTime":1575.717,"endTime":1578.747,"body":"have everything you need to"},{"speaker":"Dan Sheeks","startTime":1578.747,"endTime":1582.047,"body":"live a safe, healthy lifestyle."},{"speaker":"Dan Sheeks","startTime":1582.077,"endTime":1585.408,"body":"Like you have shelter, you have"},{"speaker":"Dan Sheeks","startTime":1582.077,"endTime":1585.408,"body":"food, you have security And you have,"},{"speaker":"Dan Sheeks","startTime":1585.476,"endTime":1589.989,"body":"basic clothing, basic food that's"},{"speaker":"Dan Sheeks","startTime":1585.476,"endTime":1589.989,"body":"enough, but a little extra is good."},{"speaker":"Dan Sheeks","startTime":1589.996,"endTime":1595.576,"body":"We deserve to treat ourselves to a nice"},{"speaker":"Dan Sheeks","startTime":1589.996,"endTime":1595.576,"body":"vacation or other things that we value."},{"speaker":"Dan Sheeks","startTime":1595.576,"endTime":1597.818,"body":"Like maybe you do really love cars."},{"speaker":"Dan Sheeks","startTime":1597.818,"endTime":1599.498,"body":"So to have a nice luxury car."},{"speaker":"Dan Sheeks","startTime":1599.948,"endTime":1600.398,"body":"Sure."},{"speaker":"Dan Sheeks","startTime":1600.428,"endTime":1604.08,"body":"That's enough plus a little but not"},{"speaker":"Dan Sheeks","startTime":1600.428,"endTime":1604.08,"body":"to be spending things on luxuries"},{"speaker":"Dan Sheeks","startTime":1604.08,"endTime":1605.52,"body":"that we don't really value that."},{"speaker":"Dan Sheeks","startTime":1606.27,"endTime":1607.41,"body":"That's enough plus a lot."},{"speaker":"Dan Sheeks","startTime":1607.441,"endTime":1610.934,"body":"So the happiness curve starts to"},{"speaker":"Dan Sheeks","startTime":1607.441,"endTime":1610.934,"body":"go back down, meaning that our"},{"speaker":"Dan Sheeks","startTime":1610.934,"endTime":1615.914,"body":"happiness is decreasing as we start"},{"speaker":"Dan Sheeks","startTime":1610.934,"endTime":1615.914,"body":"to pile on more and more stuff."},{"speaker":"Dan Sheeks","startTime":1616.274,"endTime":1620.294,"body":"The more things we have, generally,"},{"speaker":"Dan Sheeks","startTime":1616.274,"endTime":1620.294,"body":"the more stress we have, the more"},{"speaker":"Dan Sheeks","startTime":1620.294,"endTime":1624.861,"body":"problems we have, the more we have"},{"speaker":"Dan Sheeks","startTime":1620.294,"endTime":1624.861,"body":"to think about And so get to that"},{"speaker":"Dan Sheeks","startTime":1624.861,"endTime":1626.533,"body":"enough, plus a little and then stop."},{"speaker":"Dan Sheeks","startTime":1626.533,"endTime":1630.137,"body":"And, you don't need to have tons"},{"speaker":"Dan Sheeks","startTime":1626.533,"endTime":1630.137,"body":"and tons of money and tons of you"},{"speaker":"Dan Sheeks","startTime":1630.137,"endTime":1634.516,"body":"don't need to have four houses in"},{"speaker":"Dan Sheeks","startTime":1630.137,"endTime":1634.516,"body":"10 cars and, clothes in your closet"},{"speaker":"Dan Sheeks","startTime":1634.516,"endTime":1635.926,"body":"that you never ever touch or wear."},{"speaker":"Dan Sheeks","startTime":1635.926,"endTime":1637.864,"body":"But it's nice to know they're"},{"speaker":"Dan Sheeks","startTime":1635.926,"endTime":1637.864,"body":"in there, I don't know."},{"speaker":"Dan Sheeks","startTime":1638.134,"endTime":1639.879,"body":"So that's the concept of it."},{"speaker":"Dan Sheeks","startTime":1639.879,"endTime":1644.983,"body":"It's powerful because it ties in"},{"speaker":"Dan Sheeks","startTime":1639.879,"endTime":1644.983,"body":"also to frugality, meaning that once"},{"speaker":"Dan Sheeks","startTime":1644.983,"endTime":1648.313,"body":"you have enough stuff, Just stop."},{"speaker":"Dan Sheeks","startTime":1648.433,"endTime":1649.993,"body":"You don't need to buy any more stuff."},{"speaker":"Average Joe Finances","startTime":1650.363,"endTime":1652.785,"body":"I don't know about"},{"speaker":"Average Joe Finances","startTime":1650.363,"endTime":1652.785,"body":"the whole, you shouldn't have four houses"},{"speaker":"Average Joe Finances","startTime":1652.785,"endTime":1656.38,"body":"and 10 cars unless it's, making your"},{"speaker":"Average Joe Finances","startTime":1652.785,"endTime":1656.38,"body":"money, if you have four houses and you're"},{"speaker":"Average Joe Finances","startTime":1656.38,"endTime":1659.5,"body":"renting out three of them and you live in"},{"speaker":"Average Joe Finances","startTime":1656.38,"endTime":1659.5,"body":"one maybe you're running a Turo business"},{"speaker":"Average Joe Finances","startTime":1659.5,"endTime":1661.247,"body":"man, you got to 10 lambos out there."},{"speaker":"Dan Sheeks","startTime":1661.637,"endTime":1663.844,"body":"If they are, I"},{"speaker":"Dan Sheeks","startTime":1661.637,"endTime":1663.844,"body":"know what you're missing money."},{"speaker":"Dan Sheeks","startTime":1663.844,"endTime":1664.924,"body":"Then keep them all day long."},{"speaker":"Average Joe Finances","startTime":1665.269,"endTime":1666.099,"body":"No"},{"speaker":"Average Joe Finances","startTime":1665.269,"endTime":1666.099,"body":"I know what you meant."},{"speaker":"Average Joe Finances","startTime":1666.099,"endTime":1667.279,"body":"I was just, I was joking there."},{"speaker":"Average Joe Finances","startTime":1667.279,"endTime":1667.532,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":1667.532,"endTime":1670.089,"body":"So actually that's a good segue"},{"speaker":"Average Joe Finances","startTime":1667.532,"endTime":1670.089,"body":"into the next thing I'm going"},{"speaker":"Average Joe Finances","startTime":1670.089,"endTime":1671.949,"body":"to talk about is assets, right?"},{"speaker":"Average Joe Finances","startTime":1672.369,"endTime":1677.024,"body":"And the difference between a real asset"},{"speaker":"Average Joe Finances","startTime":1672.369,"endTime":1677.024,"body":"and a false asset, and you talk about"},{"speaker":"Average Joe Finances","startTime":1677.024,"endTime":1680.705,"body":"this in the book too, and the way you"},{"speaker":"Average Joe Finances","startTime":1677.024,"endTime":1680.705,"body":"break it down is easily digestible."},{"speaker":"Average Joe Finances","startTime":1680.705,"endTime":1683.298,"body":"So if you could, can you just share"},{"speaker":"Average Joe Finances","startTime":1680.705,"endTime":1683.298,"body":"with us a little bit, like what the"},{"speaker":"Average Joe Finances","startTime":1683.298,"endTime":1685.568,"body":"difference is between a good asset?"},{"speaker":"Average Joe Finances","startTime":1685.608,"endTime":1687.978,"body":"I'm sorry, a real asset and a false asset."},{"speaker":"Dan Sheeks","startTime":1689.238,"endTime":1689.903,"body":"Yeah, you bet."},{"speaker":"Dan Sheeks","startTime":1689.903,"endTime":1692.499,"body":"And you can call it a good"},{"speaker":"Dan Sheeks","startTime":1689.903,"endTime":1692.499,"body":"asset or a real asset."},{"speaker":"Dan Sheeks","startTime":1692.499,"endTime":1694.309,"body":"So that's also borrowed from."},{"speaker":"Dan Sheeks","startTime":1694.359,"endTime":1697.449,"body":"Rich dad, poor dad by Robert"},{"speaker":"Dan Sheeks","startTime":1694.359,"endTime":1697.449,"body":"Kiyosaki, another favorite"},{"speaker":"Dan Sheeks","startTime":1697.449,"endTime":1698.589,"body":"book in the FIRE movement."},{"speaker":"Dan Sheeks","startTime":1698.666,"endTime":1701.266,"body":"And I don't know if he came up"},{"speaker":"Dan Sheeks","startTime":1698.666,"endTime":1701.266,"body":"with the concept originally."},{"speaker":"Dan Sheeks","startTime":1701.266,"endTime":1704.956,"body":"Probably not, but he definitely"},{"speaker":"Dan Sheeks","startTime":1701.266,"endTime":1704.956,"body":"made it well-known in his book."},{"speaker":"Dan Sheeks","startTime":1704.986,"endTime":1707.296,"body":"And so a real asset is something you own."},{"speaker":"Dan Sheeks","startTime":1708.191,"endTime":1709.601,"body":"Puts money into your pocket."},{"speaker":"Dan Sheeks","startTime":1709.601,"endTime":1710.831,"body":"That's basically the bottom line."},{"speaker":"Dan Sheeks","startTime":1710.878,"endTime":1713.295,"body":"It's building your wealth"},{"speaker":"Dan Sheeks","startTime":1710.878,"endTime":1713.295,"body":"in one way or another."},{"speaker":"Dan Sheeks","startTime":1713.346,"endTime":1716.402,"body":"I have a book it's going to be"},{"speaker":"Dan Sheeks","startTime":1713.346,"endTime":1716.402,"body":"released any day now, and that"},{"speaker":"Dan Sheeks","startTime":1716.402,"endTime":1717.872,"body":"is going to be passive income."},{"speaker":"Dan Sheeks","startTime":1717.872,"endTime":1721.807,"body":"That's going to be a real asset re rental"},{"speaker":"Dan Sheeks","startTime":1717.872,"endTime":1721.807,"body":"properties, a real asset, a vending"},{"speaker":"Dan Sheeks","startTime":1721.827,"endTime":1723.657,"body":"machine, a carwash, something like this."},{"speaker":"Dan Sheeks","startTime":1723.657,"endTime":1727.752,"body":"That's producing either cashflow"},{"speaker":"Dan Sheeks","startTime":1723.657,"endTime":1727.752,"body":"or building your wealth through"},{"speaker":"Dan Sheeks","startTime":1727.752,"endTime":1729.192,"body":"appreciation, something like that."},{"speaker":"Dan Sheeks","startTime":1730.002,"endTime":1735.102,"body":"A false asset is an asset that"},{"speaker":"Dan Sheeks","startTime":1730.002,"endTime":1735.102,"body":"most people think is real."},{"speaker":"Dan Sheeks","startTime":1735.115,"endTime":1736.495,"body":"I love to use a car."},{"speaker":"Dan Sheeks","startTime":1736.495,"endTime":1738.055,"body":"That's like the best example."},{"speaker":"Dan Sheeks","startTime":1738.085,"endTime":1741.068,"body":"Most people think, oh, my car is an asset."},{"speaker":"Dan Sheeks","startTime":1741.091,"endTime":1744.571,"body":"It is, it's a false asset, meaning that"},{"speaker":"Dan Sheeks","startTime":1741.091,"endTime":1744.571,"body":"it's not putting money into your pocket"},{"speaker":"Dan Sheeks","startTime":1744.571,"endTime":1748.351,"body":"is taking money out of your pocket with"},{"speaker":"Dan Sheeks","startTime":1744.571,"endTime":1748.351,"body":"all the expenses involved with the car"},{"speaker":"Dan Sheeks","startTime":1748.951,"endTime":1751.111,"body":"and it depreciate depreciates over time."},{"speaker":"Dan Sheeks","startTime":1751.683,"endTime":1753.573,"body":"It's taking money out of your net worth."},{"speaker":"Dan Sheeks","startTime":1753.573,"endTime":1755.733,"body":"It's decreasing your net worth every day."},{"speaker":"Dan Sheeks","startTime":1755.733,"endTime":1756.543,"body":"You own that car."},{"speaker":"Dan Sheeks","startTime":1756.873,"endTime":1760.533,"body":"I'm not saying you shouldn't own a car,"},{"speaker":"Dan Sheeks","startTime":1756.873,"endTime":1760.533,"body":"but you should be a little bit more"},{"speaker":"Dan Sheeks","startTime":1760.533,"endTime":1764.733,"body":"strategic about the type of car and"},{"speaker":"Dan Sheeks","startTime":1760.533,"endTime":1764.733,"body":"whether you buy a new one or use one,"},{"speaker":"Dan Sheeks","startTime":1764.733,"endTime":1767.673,"body":"or maybe you don't need to have a car,"},{"speaker":"Dan Sheeks","startTime":1764.733,"endTime":1767.673,"body":"maybe you can get by without a car."},{"speaker":"Average Joe Finances","startTime":1767.943,"endTime":1768.093,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1768.122,"endTime":1771.999,"body":"It's important to be aware"},{"speaker":"Average Joe Finances","startTime":1768.122,"endTime":1771.999,"body":"of, what that car is to you."},{"speaker":"Average Joe Finances","startTime":1772.029,"endTime":1773.259,"body":"And what it actually does."},{"speaker":"Dan Sheeks","startTime":1773.475,"endTime":1773.655,"body":"Yeah."},{"speaker":"Dan Sheeks","startTime":1773.685,"endTime":1774.945,"body":"If you actually understand."},{"speaker":"Dan Sheeks","startTime":1775.98,"endTime":1780.54,"body":"How it is taking money out of your pocket"},{"speaker":"Dan Sheeks","startTime":1775.98,"endTime":1780.54,"body":"and how it is decreasing your net worth."},{"speaker":"Dan Sheeks","startTime":1781.05,"endTime":1784.339,"body":"And you still decide that car is"},{"speaker":"Dan Sheeks","startTime":1781.05,"endTime":1784.339,"body":"valuable to you, then keep it."},{"speaker":"Dan Sheeks","startTime":1784.789,"endTime":1787.249,"body":"But most people don't really"},{"speaker":"Dan Sheeks","startTime":1784.789,"endTime":1787.249,"body":"understand the numbers behind"},{"speaker":"Dan Sheeks","startTime":1787.272,"endTime":1789.192,"body":"any false asset, like a car."},{"speaker":"Average Joe Finances","startTime":1789.428,"endTime":1789.638,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1789.668,"endTime":1795.839,"body":"Right now you've get a L you got a lot of"},{"speaker":"Average Joe Finances","startTime":1789.668,"endTime":1795.839,"body":"I guess maybe it's more of a false asset."},{"speaker":"Average Joe Finances","startTime":1796.043,"endTime":1799.908,"body":"Point of view because I don't maybe,"},{"speaker":"Average Joe Finances","startTime":1796.043,"endTime":1799.908,"body":"I don't know the right words to"},{"speaker":"Average Joe Finances","startTime":1799.908,"endTime":1804.558,"body":"say this, but when you, so a lot of"},{"speaker":"Average Joe Finances","startTime":1799.908,"endTime":1804.558,"body":"people right now will justify buying"},{"speaker":"Average Joe Finances","startTime":1804.618,"endTime":1808.608,"body":"specific cars because of the way"},{"speaker":"Average Joe Finances","startTime":1804.618,"endTime":1808.608,"body":"the rental car market is right now."},{"speaker":"Average Joe Finances","startTime":1808.608,"endTime":1811.578,"body":"And they're taking advantage of"},{"speaker":"Average Joe Finances","startTime":1808.608,"endTime":1811.578,"body":"apps like Turo and things like that."},{"speaker":"Average Joe Finances","startTime":1811.578,"endTime":1813.168,"body":"And then they'll say,"},{"speaker":"Average Joe Finances","startTime":1811.578,"endTime":1813.168,"body":"oh, my car is an asset."},{"speaker":"Average Joe Finances","startTime":1813.289,"endTime":1814.329,"body":"Yes and no."},{"speaker":"Average Joe Finances","startTime":1814.329,"endTime":1814.599,"body":"Sure."},{"speaker":"Average Joe Finances","startTime":1814.599,"endTime":1818.229,"body":"It's making you money, but what"},{"speaker":"Average Joe Finances","startTime":1814.599,"endTime":1818.229,"body":"happens when the rental car"},{"speaker":"Average Joe Finances","startTime":1818.229,"endTime":1821.697,"body":"market comes back and which we're"},{"speaker":"Average Joe Finances","startTime":1818.229,"endTime":1821.697,"body":"starting to see out here in Hawaii?"},{"speaker":"Average Joe Finances","startTime":1821.717,"endTime":1824.176,"body":"We had for a while,"},{"speaker":"Average Joe Finances","startTime":1821.717,"endTime":1824.176,"body":"like it was a huge boom."},{"speaker":"Average Joe Finances","startTime":1824.176,"endTime":1828.204,"body":"And if you had a car on Turo, you were"},{"speaker":"Average Joe Finances","startTime":1824.176,"endTime":1828.204,"body":"making a killing, but now the rental cars,"},{"speaker":"Average Joe Finances","startTime":1828.234,"endTime":1831.714,"body":"the rental fleets are building back up"},{"speaker":"Average Joe Finances","startTime":1828.234,"endTime":1831.714,"body":"and they're lowering their prices again."},{"speaker":"Average Joe Finances","startTime":1832.714,"endTime":1836.374,"body":"And it's making the competition for"},{"speaker":"Average Joe Finances","startTime":1832.714,"endTime":1836.374,"body":"people that are doing like this private"},{"speaker":"Average Joe Finances","startTime":1836.374,"endTime":1838.654,"body":"car rental, a lot more difficult."},{"speaker":"Average Joe Finances","startTime":1838.654,"endTime":1841.684,"body":"So now they're not making as much"},{"speaker":"Average Joe Finances","startTime":1838.654,"endTime":1841.684,"body":"as they were, three months ago."},{"speaker":"Average Joe Finances","startTime":1841.78,"endTime":1845.138,"body":"Some sometimes you get like this,"},{"speaker":"Average Joe Finances","startTime":1841.78,"endTime":1845.138,"body":"a false pretension thinking that"},{"speaker":"Average Joe Finances","startTime":1845.185,"endTime":1846.922,"body":"this, that this vehicle is an asset."},{"speaker":"Average Joe Finances","startTime":1846.943,"endTime":1847.333,"body":"But it's not."},{"speaker":"Average Joe Finances","startTime":1847.913,"endTime":1851.093,"body":"Passive at that point, because you"},{"speaker":"Average Joe Finances","startTime":1847.913,"endTime":1851.093,"body":"are actively engaged with getting"},{"speaker":"Average Joe Finances","startTime":1851.093,"endTime":1853.673,"body":"it out, getting it rented, cleaning"},{"speaker":"Average Joe Finances","startTime":1851.093,"endTime":1853.673,"body":"it and all that stuff and all"},{"speaker":"Average Joe Finances","startTime":1853.673,"endTime":1854.783,"body":"the expenses that come with it."},{"speaker":"Average Joe Finances","startTime":1854.783,"endTime":1858.281,"body":"I think it's, something is, it's funny"},{"speaker":"Average Joe Finances","startTime":1854.783,"endTime":1858.281,"body":"cause we, a couple of years ago we"},{"speaker":"Average Joe Finances","startTime":1858.281,"endTime":1861.641,"body":"wouldn't even be having that kind of"},{"speaker":"Average Joe Finances","startTime":1858.281,"endTime":1861.641,"body":"conversation about whether or not a"},{"speaker":"Average Joe Finances","startTime":1861.641,"endTime":1863.996,"body":"vehicle could be a false or a real asset."},{"speaker":"Average Joe Finances","startTime":1863.996,"endTime":1866.49,"body":"But times change how we look at things."},{"speaker":"Average Joe Finances","startTime":1866.49,"endTime":1870.824,"body":"So I dunno, like it's kinda like in the"},{"speaker":"Average Joe Finances","startTime":1866.49,"endTime":1870.824,"body":"middle for me, I think it's like a vehicle"},{"speaker":"Average Joe Finances","startTime":1870.824,"endTime":1873.339,"body":"can be like, Right there in the middle."},{"speaker":"Average Joe Finances","startTime":1873.425,"endTime":1876.365,"body":"It could lean one way or the other,"},{"speaker":"Average Joe Finances","startTime":1873.425,"endTime":1876.365,"body":"depending on how you're using it."},{"speaker":"Dan Sheeks","startTime":1876.377,"endTime":1880.761,"body":"Yeah I've heard that people"},{"speaker":"Dan Sheeks","startTime":1876.377,"endTime":1880.761,"body":"and what a great, I think this is a"},{"speaker":"Dan Sheeks","startTime":1880.761,"endTime":1884.815,"body":"great business idea because you can make"},{"speaker":"Dan Sheeks","startTime":1880.761,"endTime":1884.815,"body":"money off apps like Turo, people buying"},{"speaker":"Dan Sheeks","startTime":1884.82,"endTime":1889.86,"body":"many cars and just, I don't know if this"},{"speaker":"Dan Sheeks","startTime":1884.82,"endTime":1889.86,"body":"is a word, but Turro-ing them  out on"},{"speaker":"Dan Sheeks","startTime":1889.86,"endTime":1892.14,"body":"a full-time basis and they have staff."},{"speaker":"Dan Sheeks","startTime":1892.995,"endTime":1896.805,"body":"Move the cars where they need to be and"},{"speaker":"Dan Sheeks","startTime":1892.995,"endTime":1896.805,"body":"pick up the people, the clients, the"},{"speaker":"Dan Sheeks","startTime":1896.835,"endTime":1899.145,"body":"renters at the airport and all that."},{"speaker":"Average Joe Finances","startTime":1899.715,"endTime":1902.025,"body":"I got"},{"speaker":"Average Joe Finances","startTime":1899.715,"endTime":1902.025,"body":"a buddy of mine and they're"},{"speaker":"Average Joe Finances","startTime":1902.025,"endTime":1903.795,"body":"actually killing it right now."},{"speaker":"Dan Sheeks","startTime":1904.425,"endTime":1905.605,"body":"I think that's a great idea."},{"speaker":"Dan Sheeks","startTime":1905.634,"endTime":1907.064,"body":"I sure go for it."},{"speaker":"Dan Sheeks","startTime":1907.749,"endTime":1908.559,"body":"That's a business."},{"speaker":"Dan Sheeks","startTime":1908.672,"endTime":1910.195,"body":"And it's somewhat passive."},{"speaker":"Dan Sheeks","startTime":1910.195,"endTime":1915.345,"body":"It's not, truly passive, but not"},{"speaker":"Dan Sheeks","startTime":1910.195,"endTime":1915.345,"body":"many passive income streams are truly"},{"speaker":"Dan Sheeks","startTime":1915.345,"endTime":1917.455,"body":"passive, real estate being one of them."},{"speaker":"Dan Sheeks","startTime":1917.455,"endTime":1921.505,"body":"So I'm all in if that's what you want"},{"speaker":"Dan Sheeks","startTime":1917.455,"endTime":1921.505,"body":"to try to do, it's a lot less expensive"},{"speaker":"Dan Sheeks","startTime":1921.505,"endTime":1923.995,"body":"to buy 10 cars than it is to buy 1,000."},{"speaker":"Dan Sheeks","startTime":1924.715,"endTime":1927.841,"body":"So maybe that's where you"},{"speaker":"Dan Sheeks","startTime":1924.715,"endTime":1927.841,"body":"want to get started right now."},{"speaker":"Average Joe Finances","startTime":1927.879,"endTime":1930.184,"body":"But the"},{"speaker":"Average Joe Finances","startTime":1927.879,"endTime":1930.184,"body":"difference is, when you look at real"},{"speaker":"Average Joe Finances","startTime":1930.184,"endTime":1936.124,"body":"estate versus vehicles, a vehicle will"},{"speaker":"Average Joe Finances","startTime":1930.184,"endTime":1936.124,"body":"constantly depreciate in value, right?"},{"speaker":"Average Joe Finances","startTime":1936.124,"endTime":1938.104,"body":"Where real estate is the"},{"speaker":"Average Joe Finances","startTime":1936.124,"endTime":1938.104,"body":"opposite real estate."},{"speaker":"Average Joe Finances","startTime":1938.839,"endTime":1941.599,"body":"Generally always"},{"speaker":"Average Joe Finances","startTime":1938.839,"endTime":1941.599,"body":"appreciates in value, right?"},{"speaker":"Average Joe Finances","startTime":1941.599,"endTime":1946.669,"body":"So the longer you hold onto it, the"},{"speaker":"Average Joe Finances","startTime":1941.599,"endTime":1946.669,"body":"more it's worth where vehicle, the"},{"speaker":"Average Joe Finances","startTime":1946.669,"endTime":1950.029,"body":"longer you hold onto it, the more"},{"speaker":"Average Joe Finances","startTime":1946.669,"endTime":1950.029,"body":"it just depreciates until it becomes"},{"speaker":"Average Joe Finances","startTime":1950.029,"endTime":1951.739,"body":"like a classic car, 40 years from now."},{"speaker":"Average Joe Finances","startTime":1951.739,"endTime":1954.362,"body":"And then maybe somebody will,"},{"speaker":"Average Joe Finances","startTime":1951.739,"endTime":1954.362,"body":"at the Jackson auto show pay a"},{"speaker":"Average Joe Finances","startTime":1954.372,"endTime":1955.442,"body":"hundred thousand dollars for it."},{"speaker":"Dan Sheeks","startTime":1955.455,"endTime":1958.459,"body":"As a business, if you're"},{"speaker":"Dan Sheeks","startTime":1955.455,"endTime":1958.459,"body":"building in that depreciation expense"},{"speaker":"Dan Sheeks","startTime":1958.549,"endTime":1961.399,"body":"into your overall cost structure,"},{"speaker":"Dan Sheeks","startTime":1958.549,"endTime":1961.399,"body":"as you analyze that business."},{"speaker":"Dan Sheeks","startTime":1962.254,"endTime":1967.024,"body":"Then it's a business that cash flows"},{"speaker":"Dan Sheeks","startTime":1962.254,"endTime":1967.024,"body":"and you can take that cash flow and"},{"speaker":"Dan Sheeks","startTime":1967.024,"endTime":1969.754,"body":"buy real assets like real estate."},{"speaker":"Dan Sheeks","startTime":1969.964,"endTime":1971.554,"body":"So I think it's a great, absolutely."},{"speaker":"Dan Sheeks","startTime":1971.854,"endTime":1974.914,"body":"If it's a profitable business,"},{"speaker":"Dan Sheeks","startTime":1971.854,"endTime":1974.914,"body":"it sounds like a great one."},{"speaker":"Dan Sheeks","startTime":1974.944,"endTime":1976.204,"body":"I would like to own one of those."},{"speaker":"Dan Sheeks","startTime":1976.234,"endTime":1977.764,"body":"I just don't have the time to do it."},{"speaker":"Dan Sheeks","startTime":1977.921,"endTime":1981.824,"body":"If prices are starting to even out"},{"speaker":"Dan Sheeks","startTime":1977.921,"endTime":1981.824,"body":"and people are making less money on"},{"speaker":"Dan Sheeks","startTime":1981.824,"endTime":1986.363,"body":"Turo, then That then maybe that's"},{"speaker":"Dan Sheeks","startTime":1981.824,"endTime":1986.363,"body":"not a long-term business solution for"},{"speaker":"Dan Sheeks","startTime":1986.363,"endTime":1988.373,"body":"cashflow, but it sounds good to me."},{"speaker":"Average Joe Finances","startTime":1988.703,"endTime":1989.073,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1989.073,"endTime":1991.53,"body":"So that's why I said like putting"},{"speaker":"Average Joe Finances","startTime":1989.073,"endTime":1991.53,"body":"in the middle of where they can fall"},{"speaker":"Average Joe Finances","startTime":1991.53,"endTime":1992.899,"body":"either way, to the left or to the right."},{"speaker":"Average Joe Finances","startTime":1992.899,"endTime":1997.235,"body":"Whether it's a real asset or a false"},{"speaker":"Average Joe Finances","startTime":1992.899,"endTime":1997.235,"body":"asset, but speaking of assets and,"},{"speaker":"Average Joe Finances","startTime":1997.285,"endTime":2002.764,"body":"because with that comes debt, when we talk"},{"speaker":"Average Joe Finances","startTime":1997.285,"endTime":2002.764,"body":"about acquiring these different assets,"},{"speaker":"Average Joe Finances","startTime":2002.764,"endTime":2007.289,"body":"whether or not it is a real asset or a"},{"speaker":"Average Joe Finances","startTime":2002.764,"endTime":2007.289,"body":"false asset, it comes with debt, right?"},{"speaker":"Average Joe Finances","startTime":2007.466,"endTime":2011.636,"body":"So I want to talk about the difference"},{"speaker":"Average Joe Finances","startTime":2007.466,"endTime":2011.636,"body":"between what is considered good debt"},{"speaker":"Average Joe Finances","startTime":2012.116,"endTime":2013.796,"body":"and what is considered bad debt."},{"speaker":"Average Joe Finances","startTime":2013.796,"endTime":2016.526,"body":"And this is something that we"},{"speaker":"Average Joe Finances","startTime":2013.796,"endTime":2016.526,"body":"talk about on this show often."},{"speaker":"Average Joe Finances","startTime":2016.886,"endTime":2019.461,"body":"So I'd like to get your"},{"speaker":"Average Joe Finances","startTime":2016.886,"endTime":2019.461,"body":"description of what you would"},{"speaker":"Average Joe Finances","startTime":2019.461,"endTime":2021.381,"body":"call good debt and bad debt."},{"speaker":"Dan Sheeks","startTime":2021.851,"endTime":2022.301,"body":"Sure."},{"speaker":"Dan Sheeks","startTime":2022.323,"endTime":2026.619,"body":"It's related to real assets and"},{"speaker":"Dan Sheeks","startTime":2022.323,"endTime":2026.619,"body":"false assets and that good debt."},{"speaker":"Dan Sheeks","startTime":2026.974,"endTime":2030.633,"body":"Is that's making you money and"},{"speaker":"Dan Sheeks","startTime":2026.974,"endTime":2030.633,"body":"bad debt is debt that's not."},{"speaker":"Dan Sheeks","startTime":2030.633,"endTime":2034.953,"body":"So great examples would be"},{"speaker":"Dan Sheeks","startTime":2030.633,"endTime":2034.953,"body":"bad debt is credit card debt."},{"speaker":"Dan Sheeks","startTime":2034.983,"endTime":2036.328,"body":"That's the worst kind of debt."},{"speaker":"Dan Sheeks","startTime":2036.328,"endTime":2040.817,"body":"Especially if you're paying high interest"},{"speaker":"Dan Sheeks","startTime":2036.328,"endTime":2040.817,"body":"rates on those credit card balances."},{"speaker":"Dan Sheeks","startTime":2040.893,"endTime":2042.063,"body":"Student loans are bad debt."},{"speaker":"Dan Sheeks","startTime":2042.273,"endTime":2042.974,"body":"Absolutely."},{"speaker":"Dan Sheeks","startTime":2042.974,"endTime":2047.841,"body":"They bought you an asset of an education,"},{"speaker":"Dan Sheeks","startTime":2042.974,"endTime":2047.841,"body":"but after, after you've graduated and"},{"speaker":"Dan Sheeks","startTime":2047.841,"endTime":2050.51,"body":"you're working your job, they're just"},{"speaker":"Dan Sheeks","startTime":2047.841,"endTime":2050.51,"body":"sucking money out of you and those"},{"speaker":"Dan Sheeks","startTime":2050.51,"endTime":2053.72,"body":"payments are crushing your ability"},{"speaker":"Dan Sheeks","startTime":2050.51,"endTime":2053.72,"body":"to build wealth in the meantime."},{"speaker":"Dan Sheeks","startTime":2053.747,"endTime":2057.93,"body":"Good debt on the other hand, if you stick"},{"speaker":"Dan Sheeks","startTime":2053.747,"endTime":2057.93,"body":"with that Turo business idea, if you had"},{"speaker":"Dan Sheeks","startTime":2058.23,"endTime":2062.82,"body":"two or three car loans that allow you to"},{"speaker":"Dan Sheeks","startTime":2058.23,"endTime":2062.82,"body":"have the cars, which allow you to have"},{"speaker":"Dan Sheeks","startTime":2062.82,"endTime":2068.22,"body":"the business, which allows you to make"},{"speaker":"Dan Sheeks","startTime":2062.82,"endTime":2068.22,"body":"cashflow, which more than covers the car"},{"speaker":"Dan Sheeks","startTime":2068.22,"endTime":2072.48,"body":"loan payments, including the interest,"},{"speaker":"Dan Sheeks","startTime":2068.22,"endTime":2072.48,"body":"that's a good, that's a good debt."},{"speaker":"Dan Sheeks","startTime":2072.54,"endTime":2075.21,"body":"A mortgage on a rental"},{"speaker":"Dan Sheeks","startTime":2072.54,"endTime":2075.21,"body":"property is good debt."},{"speaker":"Dan Sheeks","startTime":2075.21,"endTime":2075.81,"body":"I will take good."},{"speaker":"Dan Sheeks","startTime":2076.62,"endTime":2079.684,"body":"All day long every day because"},{"speaker":"Dan Sheeks","startTime":2076.62,"endTime":2079.684,"body":"it is in the end, it's putting"},{"speaker":"Dan Sheeks","startTime":2079.684,"endTime":2080.554,"body":"money into your pocket."},{"speaker":"Dan Sheeks","startTime":2080.554,"endTime":2081.364,"body":"It's building your wealth."},{"speaker":"Average Joe Finances","startTime":2081.568,"endTime":2083.242,"body":"That is"},{"speaker":"Average Joe Finances","startTime":2081.568,"endTime":2083.242,"body":"a great way to describe it."},{"speaker":"Average Joe Finances","startTime":2083.242,"endTime":2086.128,"body":"It's the perfect way to describe"},{"speaker":"Average Joe Finances","startTime":2083.242,"endTime":2086.128,"body":"it because good debt is going to be"},{"speaker":"Average Joe Finances","startTime":2086.128,"endTime":2089.098,"body":"putting money in your pocket, bad debt's"},{"speaker":"Average Joe Finances","startTime":2086.128,"endTime":2089.098,"body":"only going to be taking money away."},{"speaker":"Average Joe Finances","startTime":2089.139,"endTime":2090.273,"body":"It's just that simple."},{"speaker":"Average Joe Finances","startTime":2090.299,"endTime":2090.539,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":2090.539,"endTime":2094.529,"body":"So this is all fantastic information"},{"speaker":"Average Joe Finances","startTime":2090.539,"endTime":2094.529,"body":"that Dan has in this book."},{"speaker":"Average Joe Finances","startTime":2094.859,"endTime":2097.919,"body":"And then some, like this is only"},{"speaker":"Average Joe Finances","startTime":2094.859,"endTime":2097.919,"body":"like tip of the iceberg stuff."},{"speaker":"Average Joe Finances","startTime":2098.249,"endTime":2101.039,"body":"And again, this book targets young"},{"speaker":"Average Joe Finances","startTime":2098.249,"endTime":2101.039,"body":"people, but I can tell you right"},{"speaker":"Average Joe Finances","startTime":2101.039,"endTime":2104.736,"body":"now I got an advanced copy of it"},{"speaker":"Average Joe Finances","startTime":2101.039,"endTime":2104.736,"body":"and I got to take a look at it and,"},{"speaker":"Average Joe Finances","startTime":2104.783,"endTime":2108.793,"body":"there's lessons in here for people"},{"speaker":"Average Joe Finances","startTime":2104.783,"endTime":2108.793,"body":"that are a little bit older as well."},{"speaker":"Average Joe Finances","startTime":2108.793,"endTime":2111.073,"body":"If this is something that you"},{"speaker":"Average Joe Finances","startTime":2108.793,"endTime":2111.073,"body":"haven't really ever gotten yourself"},{"speaker":"Average Joe Finances","startTime":2111.073,"endTime":2115.783,"body":"into, you might not want to do the"},{"speaker":"Average Joe Finances","startTime":2111.073,"endTime":2115.783,"body":"selfie weeks or anything like that."},{"speaker":"Average Joe Finances","startTime":2115.798,"endTime":2117.843,"body":"But it's cool because there's"},{"speaker":"Average Joe Finances","startTime":2115.798,"endTime":2117.843,"body":"different things in there."},{"speaker":"Average Joe Finances","startTime":2117.843,"endTime":2120.303,"body":"There's spots to take notes"},{"speaker":"Average Joe Finances","startTime":2117.843,"endTime":2120.303,"body":"to write down your goals."},{"speaker":"Average Joe Finances","startTime":2120.349,"endTime":2123.642,"body":"It's almost like a workbook too,"},{"speaker":"Average Joe Finances","startTime":2120.349,"endTime":2123.642,"body":"so it's a, it's pretty good."},{"speaker":"Average Joe Finances","startTime":2123.674,"endTime":2126.454,"body":"So Dan, I actually, I would like"},{"speaker":"Average Joe Finances","startTime":2123.674,"endTime":2126.454,"body":"to talk about that real quick and"},{"speaker":"Average Joe Finances","startTime":2126.494,"endTime":2129.521,"body":"give you a chance to plug this"},{"speaker":"Average Joe Finances","startTime":2126.494,"endTime":2129.521,"body":"book that you have coming out."},{"speaker":"Average Joe Finances","startTime":2129.761,"endTime":2133.693,"body":"So it's called a first to a million,"},{"speaker":"Average Joe Finances","startTime":2129.761,"endTime":2133.693,"body":"and it's, again, it's targeting younger"},{"speaker":"Average Joe Finances","startTime":2133.693,"endTime":2138.823,"body":"people, but the information that's in"},{"speaker":"Average Joe Finances","startTime":2133.693,"endTime":2138.823,"body":"this book is absolutely invaluable, right?"},{"speaker":"Average Joe Finances","startTime":2138.92,"endTime":2143.429,"body":"To anybody that's trying to get themselves"},{"speaker":"Average Joe Finances","startTime":2138.92,"endTime":2143.429,"body":"in a good spot where you're, the only"},{"speaker":"Average Joe Finances","startTime":2143.429,"endTime":2145.439,"body":"debt you have is essentially good debt."},{"speaker":"Average Joe Finances","startTime":2145.439,"endTime":2149.006,"body":"And your building passive"},{"speaker":"Average Joe Finances","startTime":2145.439,"endTime":2149.006,"body":"income and building your wealth,"},{"speaker":"Average Joe Finances","startTime":2149.036,"endTime":2150.326,"body":"which is what our focus is."},{"speaker":"Average Joe Finances","startTime":2150.716,"endTime":2153.904,"body":"So if you could, where can people"},{"speaker":"Average Joe Finances","startTime":2150.716,"endTime":2153.904,"body":"find out more information about"},{"speaker":"Average Joe Finances","startTime":2153.904,"endTime":2156.634,"body":"you, the book and all that stuff?"},{"speaker":"Average Joe Finances","startTime":2156.664,"endTime":2158.014,"body":"Cause we want to know more about you."},{"speaker":"Average Joe Finances","startTime":2158.024,"endTime":2160.835,"body":"I know there's people that are listening"},{"speaker":"Average Joe Finances","startTime":2158.024,"endTime":2160.835,"body":"right now saying, man, this is good stuff."},{"speaker":"Average Joe Finances","startTime":2160.865,"endTime":2162.245,"body":"And we want to know about Dan."},{"speaker":"Average Joe Finances","startTime":2162.455,"endTime":2165.275,"body":"So where can people find you"},{"speaker":"Average Joe Finances","startTime":2162.455,"endTime":2165.275,"body":"and tell us about the book?"},{"speaker":"Dan Sheeks","startTime":2166.235,"endTime":2166.445,"body":"Yeah."},{"speaker":"Dan Sheeks","startTime":2166.445,"endTime":2170.591,"body":"And before I get to that, Mike, I'll"},{"speaker":"Dan Sheeks","startTime":2166.445,"endTime":2170.591,"body":"just say yeah the subtitle of the book."},{"speaker":"Dan Sheeks","startTime":2171.446,"endTime":2174.296,"body":"A teenager's guide to achieving"},{"speaker":"Dan Sheeks","startTime":2171.446,"endTime":2174.296,"body":"early financial freedom."},{"speaker":"Dan Sheeks","startTime":2174.296,"endTime":2178.916,"body":"But like you said, the book is"},{"speaker":"Dan Sheeks","startTime":2174.296,"endTime":2178.916,"body":"not just for teenagers, anybody."},{"speaker":"Dan Sheeks","startTime":2178.916,"endTime":2180.026,"body":"I don't care what age you are."},{"speaker":"Dan Sheeks","startTime":2180.026,"endTime":2184.586,"body":"Thirties, forties, fifties, anybody"},{"speaker":"Dan Sheeks","startTime":2180.026,"endTime":2184.586,"body":"who's new to the FIRE movement, to"},{"speaker":"Dan Sheeks","startTime":2184.586,"endTime":2188.396,"body":"the early financial independence,"},{"speaker":"Dan Sheeks","startTime":2184.586,"endTime":2188.396,"body":"strategies and concepts, this book"},{"speaker":"Dan Sheeks","startTime":2188.396,"endTime":2189.596,"body":"would be super, super helpful."},{"speaker":"Dan Sheeks","startTime":2189.624,"endTime":2192.848,"body":"There's pieces of it that wouldn't"},{"speaker":"Dan Sheeks","startTime":2189.624,"endTime":2192.848,"body":"be relevant to you, but I'd"},{"speaker":"Dan Sheeks","startTime":2192.848,"endTime":2195.998,"body":"say 75% would be very valuable."},{"speaker":"Dan Sheeks","startTime":2196.038,"endTime":2198.828,"body":"And it's funny, you mentioned a"},{"speaker":"Dan Sheeks","startTime":2196.038,"endTime":2198.828,"body":"workbook because I wrote the book first"},{"speaker":"Dan Sheeks","startTime":2198.828,"endTime":2202.608,"body":"to a million, and then I also wrote"},{"speaker":"Dan Sheeks","startTime":2198.828,"endTime":2202.608,"body":"a workbook that goes along with it."},{"speaker":"Dan Sheeks","startTime":2202.668,"endTime":2207.648,"body":"And the workbook is, in my opinion,"},{"speaker":"Dan Sheeks","startTime":2202.668,"endTime":2207.648,"body":"honestly, probably more valuable"},{"speaker":"Dan Sheeks","startTime":2207.648,"endTime":2209.458,"body":"than the book because the workbook."},{"speaker":"Dan Sheeks","startTime":2209.908,"endTime":2215.933,"body":"Walks that teen or reader through"},{"speaker":"Dan Sheeks","startTime":2209.908,"endTime":2215.933,"body":"about a five-year period of their life."},{"speaker":"Dan Sheeks","startTime":2215.963,"endTime":2218.349,"body":"And it's broken into"},{"speaker":"Dan Sheeks","startTime":2215.963,"endTime":2218.349,"body":"four month increments."},{"speaker":"Dan Sheeks","startTime":2218.379,"endTime":2220.029,"body":"We call them freak phases."},{"speaker":"Dan Sheeks","startTime":2220.689,"endTime":2223.269,"body":"And in every freak phase, it"},{"speaker":"Dan Sheeks","startTime":2220.689,"endTime":2223.269,"body":"gives you a, it gives them a"},{"speaker":"Dan Sheeks","startTime":2223.269,"endTime":2225.039,"body":"list of things to accomplish."},{"speaker":"Dan Sheeks","startTime":2225.053,"endTime":2229.253,"body":"Usually there's another book that"},{"speaker":"Dan Sheeks","startTime":2225.053,"endTime":2229.253,"body":"they should read and some things about"},{"speaker":"Dan Sheeks","startTime":2229.253,"endTime":2233.093,"body":"frugality and side hustles and passive"},{"speaker":"Dan Sheeks","startTime":2229.253,"endTime":2233.093,"body":"income, like specifically the workbook"},{"speaker":"Dan Sheeks","startTime":2233.843,"endTime":2236.663,"body":"it tells them what to do when to do,"},{"speaker":"Dan Sheeks","startTime":2233.843,"endTime":2236.663,"body":"how to do it and why they're doing it."},{"speaker":"Dan Sheeks","startTime":2236.813,"endTime":2237.483,"body":"It walks in."},{"speaker":"Dan Sheeks","startTime":2237.483,"endTime":2243.503,"body":"And so it's, it makes it as easy as I"},{"speaker":"Dan Sheeks","startTime":2237.483,"endTime":2243.503,"body":"could to go from a high school student"},{"speaker":"Dan Sheeks","startTime":2243.593,"endTime":2247.607,"body":"to financially independent or are"},{"speaker":"Dan Sheeks","startTime":2243.593,"endTime":2247.607,"body":"very well on their way to financial"},{"speaker":"Dan Sheeks","startTime":2247.607,"endTime":2249.407,"body":"independence over that five-year period."},{"speaker":"Dan Sheeks","startTime":2249.451,"endTime":2249.69,"body":"Yeah."},{"speaker":"Dan Sheeks","startTime":2249.707,"endTime":2254.741,"body":"If your listeners are teens or young"},{"speaker":"Dan Sheeks","startTime":2249.707,"endTime":2254.741,"body":"people, or if they know teens or"},{"speaker":"Dan Sheeks","startTime":2254.741,"endTime":2259.887,"body":"young people the book and the workbook"},{"speaker":"Dan Sheeks","startTime":2254.741,"endTime":2259.887,"body":"are available December 6th, 2021."},{"speaker":"Dan Sheeks","startTime":2259.887,"endTime":2264.077,"body":"So right about now I think on the bigger"},{"speaker":"Dan Sheeks","startTime":2259.887,"endTime":2264.077,"body":"pockets website, it's a great stocking"},{"speaker":"Dan Sheeks","startTime":2264.077,"endTime":2265.655,"body":"stuffer holiday gift, by the way."},{"speaker":"Dan Sheeks","startTime":2265.655,"endTime":2267.434,"body":"The timing is perfect for that."},{"speaker":"Dan Sheeks","startTime":2267.47,"endTime":2269.9,"body":"If they go to biggerpockets.com/teen."},{"speaker":"Dan Sheeks","startTime":2270.55,"endTime":2274.19,"body":"T E E N they'll find the"},{"speaker":"Dan Sheeks","startTime":2270.55,"endTime":2274.19,"body":"book and the workbook."},{"speaker":"Dan Sheeks","startTime":2274.49,"endTime":2277.02,"body":"If they buy them together, they'll"},{"speaker":"Dan Sheeks","startTime":2274.49,"endTime":2277.02,"body":"actually get a nice discount."},{"speaker":"Dan Sheeks","startTime":2277.036,"endTime":2279.936,"body":"And if they buy them from"},{"speaker":"Dan Sheeks","startTime":2277.036,"endTime":2279.936,"body":"biggerpockets.com, they"},{"speaker":"Dan Sheeks","startTime":2279.936,"endTime":2281.076,"body":"will get bonus content."},{"speaker":"Dan Sheeks","startTime":2281.076,"endTime":2284.915,"body":"They'll get some extra"},{"speaker":"Dan Sheeks","startTime":2281.076,"endTime":2284.915,"body":"featured free case studies."},{"speaker":"Dan Sheeks","startTime":2284.915,"endTime":2288.455,"body":"There's six in the book, but there's"},{"speaker":"Dan Sheeks","startTime":2284.915,"endTime":2288.455,"body":"many more in the bonus content."},{"speaker":"Dan Sheeks","startTime":2288.485,"endTime":2293.495,"body":"They can get some downloadable financial"},{"speaker":"Dan Sheeks","startTime":2288.485,"endTime":2293.495,"body":"charts specifically for young people."},{"speaker":"Dan Sheeks","startTime":2293.825,"endTime":2296.945,"body":"And they'll get some, if they"},{"speaker":"Dan Sheeks","startTime":2293.825,"endTime":2296.945,"body":"buy the book, they'll get bonus"},{"speaker":"Dan Sheeks","startTime":2296.945,"endTime":2300.53,"body":"content, which has some downloadable"},{"speaker":"Dan Sheeks","startTime":2296.945,"endTime":2300.53,"body":"pages from the workbook as well."},{"speaker":"Dan Sheeks","startTime":2301.01,"endTime":2304.58,"body":"In addition, if they are interested"},{"speaker":"Dan Sheeks","startTime":2301.01,"endTime":2304.58,"body":"in joining my online community,"},{"speaker":"Dan Sheeks","startTime":2304.58,"endTime":2308.856,"body":"which has got many young people from"},{"speaker":"Dan Sheeks","startTime":2304.58,"endTime":2308.856,"body":"around the country, just crushing it."},{"speaker":"Dan Sheeks","startTime":2308.856,"endTime":2314.49,"body":"These are those freaks that are between 15"},{"speaker":"Dan Sheeks","startTime":2308.856,"endTime":2314.49,"body":"and 25 who want to be around other freaks"},{"speaker":"Dan Sheeks","startTime":2314.49,"endTime":2316.38,"body":"that are doing all these types of things."},{"speaker":"Dan Sheeks","startTime":2316.429,"endTime":2320.735,"body":"They can go to my website sheeksfreaks.com"},{"speaker":"Dan Sheeks","startTime":2316.429,"endTime":2320.735,"body":"and they'll see right, there is"},{"speaker":"Dan Sheeks","startTime":2320.735,"endTime":2321.915,"body":"a button to join the community."},{"speaker":"Dan Sheeks","startTime":2322.234,"endTime":2323.824,"body":"There's a free version of the community."},{"speaker":"Dan Sheeks","startTime":2323.824,"endTime":2327.931,"body":"There always will be that has great"},{"speaker":"Dan Sheeks","startTime":2323.824,"endTime":2327.931,"body":"value for just being a free member."},{"speaker":"Dan Sheeks","startTime":2327.931,"endTime":2332.305,"body":"But then there's also a premium membership"},{"speaker":"Dan Sheeks","startTime":2327.931,"endTime":2332.305,"body":"which has more features obviously."},{"speaker":"Dan Sheeks","startTime":2332.335,"endTime":2335.002,"body":"And so they can look around"},{"speaker":"Dan Sheeks","startTime":2332.335,"endTime":2335.002,"body":"and see which one they want."},{"speaker":"Dan Sheeks","startTime":2335.302,"endTime":2340.462,"body":"If the young person decides they"},{"speaker":"Dan Sheeks","startTime":2335.302,"endTime":2340.462,"body":"want to get the paid membership"},{"speaker":"Dan Sheeks","startTime":2340.492,"endTime":2342.101,"body":"into the Sheeks freaks community."},{"speaker":"Dan Sheeks","startTime":2342.11,"endTime":2346.345,"body":"If they on the checkout page,"},{"speaker":"Dan Sheeks","startTime":2342.11,"endTime":2346.345,"body":"there's a place for a discount code."},{"speaker":"Dan Sheeks","startTime":2346.345,"endTime":2352.195,"body":"They can put it average joe, all one"},{"speaker":"Dan Sheeks","startTime":2346.345,"endTime":2352.195,"body":"word, all lower case a and they'll get"},{"speaker":"Dan Sheeks","startTime":2352.195,"endTime":2353.836,"body":"a nice discount on the paid membership."},{"speaker":"Dan Sheeks","startTime":2353.836,"endTime":2357.568,"body":"There's a seven day free trial, so"},{"speaker":"Dan Sheeks","startTime":2353.836,"endTime":2357.568,"body":"it's pretty risk-free to jump in any"},{"speaker":"Dan Sheeks","startTime":2357.568,"endTime":2359.287,"body":"way and just see what it's all about."},{"speaker":"Dan Sheeks","startTime":2359.647,"endTime":2362.609,"body":"But if they go past that seven day"},{"speaker":"Dan Sheeks","startTime":2359.647,"endTime":2362.609,"body":"free trial, they'll get a nice discount"},{"speaker":"Dan Sheeks","startTime":2362.609,"endTime":2365.543,"body":"with the discount code average joe."},{"speaker":"Average Joe Finances","startTime":2365.821,"endTime":2366.031,"body":"All right."},{"speaker":"Average Joe Finances","startTime":2366.031,"endTime":2366.931,"body":"That's fantastic."},{"speaker":"Average Joe Finances","startTime":2366.931,"endTime":2369.46,"body":"And also we'll have a"},{"speaker":"Average Joe Finances","startTime":2366.931,"endTime":2369.46,"body":"link to that as well."},{"speaker":"Average Joe Finances","startTime":2369.46,"endTime":2370.9,"body":"That will take you directly to that."},{"speaker":"Average Joe Finances","startTime":2370.95,"endTime":2374.75,"body":"It'll be"},{"speaker":"Average Joe Finances","startTime":2370.95,"endTime":2374.75,"body":"averagejoefinances.com/sheeksfreaks."},{"speaker":"Average Joe Finances","startTime":2374.857,"endTime":2378.424,"body":"Because this is something that,"},{"speaker":"Average Joe Finances","startTime":2374.857,"endTime":2378.424,"body":"I myself personally believe in."},{"speaker":"Average Joe Finances","startTime":2378.476,"endTime":2381.674,"body":"I think the community that Dan is"},{"speaker":"Average Joe Finances","startTime":2378.476,"endTime":2381.674,"body":"building is absolutely amazing."},{"speaker":"Average Joe Finances","startTime":2382.174,"endTime":2385.012,"body":"And now Dan there's one more"},{"speaker":"Average Joe Finances","startTime":2382.174,"endTime":2385.012,"body":"thing I need from you is where"},{"speaker":"Average Joe Finances","startTime":2385.012,"endTime":2386.807,"body":"can we find out more about you?"},{"speaker":"Average Joe Finances","startTime":2386.807,"endTime":2389.518,"body":"We've got the book we know your"},{"speaker":"Average Joe Finances","startTime":2386.807,"endTime":2389.518,"body":"website, but are you on social"},{"speaker":"Average Joe Finances","startTime":2389.518,"endTime":2390.568,"body":"media or anything like that?"},{"speaker":"Dan Sheeks","startTime":2391.858,"endTime":2393.92,"body":"Yeah, I have I"},{"speaker":"Dan Sheeks","startTime":2391.858,"endTime":2393.92,"body":"have two Instagram pages."},{"speaker":"Dan Sheeks","startTime":2393.92,"endTime":2394.76,"body":"One is Sheeks freaks."},{"speaker":"Dan Sheeks","startTime":2394.76,"endTime":2398.4,"body":"One is my personal, so they can"},{"speaker":"Dan Sheeks","startTime":2394.76,"endTime":2398.4,"body":"find me on Instagram D Sheeks."},{"speaker":"Dan Sheeks","startTime":2398.75,"endTime":2404.501,"body":"I'm also on LinkedIn and anybody can"},{"speaker":"Dan Sheeks","startTime":2398.75,"endTime":2404.501,"body":"shoot me an email at dan@sheeksfreaks.com."},{"speaker":"Average Joe Finances","startTime":2404.689,"endTime":2404.929,"body":"All right."},{"speaker":"Average Joe Finances","startTime":2404.957,"endTime":2405.859,"body":"That's fantastic."},{"speaker":"Average Joe Finances","startTime":2405.859,"endTime":2409.039,"body":"So I want to make sure we get that"},{"speaker":"Average Joe Finances","startTime":2405.859,"endTime":2409.039,"body":"out there because we talked about some"},{"speaker":"Average Joe Finances","startTime":2409.039,"endTime":2412.515,"body":"super important stuff and I'm pretty"},{"speaker":"Average Joe Finances","startTime":2409.039,"endTime":2412.515,"body":"sure that's gonna be people that want"},{"speaker":"Average Joe Finances","startTime":2412.515,"endTime":2413.921,"body":"to know more about what you're doing."},{"speaker":"Average Joe Finances","startTime":2413.921,"endTime":2417.893,"body":"It has been an absolute privilege and"},{"speaker":"Average Joe Finances","startTime":2413.921,"endTime":2417.893,"body":"honor to have you on the show today."},{"speaker":"Average Joe Finances","startTime":2417.893,"endTime":2422.183,"body":"I really thank you for taking the time"},{"speaker":"Average Joe Finances","startTime":2417.893,"endTime":2422.183,"body":"to talk with me and our listeners and"},{"speaker":"Average Joe Finances","startTime":2422.183,"endTime":2426.721,"body":"share not only your story, but sharing"},{"speaker":"Average Joe Finances","startTime":2422.183,"endTime":2426.721,"body":"this path for other people that they"},{"speaker":"Average Joe Finances","startTime":2426.721,"endTime":2429.121,"body":"can follow and giving them that choice."},{"speaker":"Average Joe Finances","startTime":2429.14,"endTime":2433.493,"body":"Because it is a choice if you want to go"},{"speaker":"Average Joe Finances","startTime":2429.14,"endTime":2433.493,"body":"this route so again, thank you so much."},{"speaker":"Dan Sheeks","startTime":2433.94,"endTime":2435.05,"body":"And Mike,"},{"speaker":"Dan Sheeks","startTime":2433.94,"endTime":2435.05,"body":"thanks for having me."},{"speaker":"Dan Sheeks","startTime":2435.05,"endTime":2437.03,"body":"And by the way, keep"},{"speaker":"Dan Sheeks","startTime":2435.05,"endTime":2437.03,"body":"doing what you're doing."},{"speaker":"Dan Sheeks","startTime":2437.03,"endTime":2439.49,"body":"We're both fighting the good"},{"speaker":"Dan Sheeks","startTime":2437.03,"endTime":2439.49,"body":"fight, trying to get all this"},{"speaker":"Dan Sheeks","startTime":2439.49,"endTime":2440.51,"body":"great information out there."},{"speaker":"Dan Sheeks","startTime":2441.365,"endTime":2441.995,"body":"Keep crushing."},{"speaker":"Dan Sheeks","startTime":2441.995,"endTime":2444.065,"body":"It love what you're doing"},{"speaker":"Dan Sheeks","startTime":2441.995,"endTime":2444.065,"body":"and thanks for having me."},{"speaker":"Average Joe Finances","startTime":2444.425,"endTime":2445.685,"body":"Absolutely and Aloha."}]}