{"version":"1.0.0","segments":[{"speaker":"Average Joe Finances","startTime":0.202,"endTime":1.282,"body":"Hey,"},{"speaker":"Average Joe Finances","startTime":0.202,"endTime":1.282,"body":"how's it going everybody?"},{"speaker":"Average Joe Finances","startTime":1.282,"endTime":5.692,"body":"So today's guest is Chris Mamula"},{"speaker":"Average Joe Finances","startTime":1.282,"endTime":5.692,"body":"and Chris has used principles of"},{"speaker":"Average Joe Finances","startTime":5.692,"endTime":8.632,"body":"traditional retirement planning,"},{"speaker":"Average Joe Finances","startTime":5.692,"endTime":8.632,"body":"combined with a creative lifestyle,"},{"speaker":"Average Joe Finances","startTime":8.632,"endTime":13.372,"body":"designed to retire from a career as a"},{"speaker":"Average Joe Finances","startTime":8.632,"endTime":13.372,"body":"physical therapist at the age of 41."},{"speaker":"Average Joe Finances","startTime":14.001,"endTime":16.762,"body":"After poor experiences with the"},{"speaker":"Average Joe Finances","startTime":14.001,"endTime":16.762,"body":"financial industry early in his"},{"speaker":"Average Joe Finances","startTime":16.762,"endTime":20.542,"body":"professional life, he educated"},{"speaker":"Average Joe Finances","startTime":16.762,"endTime":20.542,"body":"himself on investing and tax planning."},{"speaker":"Average Joe Finances","startTime":21.062,"endTime":25.832,"body":"Now he draws on his experience to write"},{"speaker":"Average Joe Finances","startTime":21.062,"endTime":25.832,"body":"about wealth building, DIY investing,"},{"speaker":"Average Joe Finances","startTime":26.042,"endTime":31.082,"body":"financial planning, early retirement and"},{"speaker":"Average Joe Finances","startTime":26.042,"endTime":31.082,"body":"lifestyle design at can I retire yet?"},{"speaker":"Average Joe Finances","startTime":32.392,"endTime":35.902,"body":"Chris has been featured on market"},{"speaker":"Average Joe Finances","startTime":32.392,"endTime":35.902,"body":"watch Morningstar, us news and"},{"speaker":"Average Joe Finances","startTime":35.902,"endTime":38.172,"body":"world report and business insider."},{"speaker":"Average Joe Finances","startTime":38.452,"endTime":40.461,"body":"He's also the primary author of the book."},{"speaker":"Average Joe Finances","startTime":40.492,"endTime":43.852,"body":"Choose fi your blueprint"},{"speaker":"Average Joe Finances","startTime":40.492,"endTime":43.852,"body":"to financial independence."},{"speaker":"Average Joe Finances","startTime":44.092,"endTime":48.122,"body":"The other two co-authors of the book"},{"speaker":"Average Joe Finances","startTime":44.092,"endTime":48.122,"body":"are Brad Barrett and Jonathan Mendanza."},{"speaker":"Average Joe Finances","startTime":48.431,"endTime":50.901,"body":"So Chris you have an awesome background."},{"speaker":"Average Joe Finances","startTime":51.121,"endTime":54.071,"body":"I've been following the choose"},{"speaker":"Average Joe Finances","startTime":51.121,"endTime":54.071,"body":"fi group for a while now."},{"speaker":"Average Joe Finances","startTime":54.071,"endTime":55.361,"body":"It's awesome to have you on the show."},{"speaker":"Average Joe Finances","startTime":55.361,"endTime":56.131,"body":"Thanks for joining me."},{"speaker":"Chris Mamula","startTime":56.711,"endTime":57.371,"body":"It's a pleasure to be here."},{"speaker":"Chris Mamula","startTime":57.371,"endTime":58.331,"body":"I'm excited to talk to you."},{"speaker":"Average Joe Finances","startTime":58.751,"endTime":58.961,"body":"All right."},{"speaker":"Average Joe Finances","startTime":58.991,"endTime":59.651,"body":"Fantastic."},{"speaker":"Average Joe Finances","startTime":59.651,"endTime":63.345,"body":"So the way I like to start these off"},{"speaker":"Average Joe Finances","startTime":59.651,"endTime":63.345,"body":"with every episode with every guest"},{"speaker":"Average Joe Finances","startTime":63.735,"endTime":67.115,"body":"is I talked a little bit about your"},{"speaker":"Average Joe Finances","startTime":63.735,"endTime":67.115,"body":"background when, when I introduced you."},{"speaker":"Average Joe Finances","startTime":67.365,"endTime":71.145,"body":"But I think, myself and my guests would"},{"speaker":"Average Joe Finances","startTime":67.365,"endTime":71.145,"body":"like to know a little bit more about you."},{"speaker":"Average Joe Finances","startTime":71.145,"endTime":74.385,"body":"So can you dive a little bit"},{"speaker":"Average Joe Finances","startTime":71.145,"endTime":74.385,"body":"deeper into your background?"},{"speaker":"Average Joe Finances","startTime":74.385,"endTime":76.335,"body":"Tell us about yourself"},{"speaker":"Average Joe Finances","startTime":74.385,"endTime":76.335,"body":"and share your story."},{"speaker":"Average Joe Finances","startTime":76.335,"endTime":77.835,"body":"Like, how did this all"},{"speaker":"Average Joe Finances","startTime":76.335,"endTime":77.835,"body":"get started for you?"},{"speaker":"Chris Mamula","startTime":78.655,"endTime":78.825,"body":"Yeah."},{"speaker":"Chris Mamula","startTime":78.825,"endTime":83.085,"body":"So I'm from Western Pennsylvania,"},{"speaker":"Chris Mamula","startTime":78.825,"endTime":83.085,"body":"near Pittsburgh and Pittsburgh,"},{"speaker":"Chris Mamula","startTime":83.085,"endTime":86.765,"body":"Pennsylvania, and a depressed"},{"speaker":"Chris Mamula","startTime":83.085,"endTime":86.765,"body":"steel town, I guess you would say."},{"speaker":"Chris Mamula","startTime":87.215,"endTime":92.955,"body":"And so grew up a very average, middle,"},{"speaker":"Chris Mamula","startTime":87.215,"endTime":92.955,"body":"lower middle class, and my parents"},{"speaker":"Chris Mamula","startTime":92.955,"endTime":95.835,"body":"were both just high school graduates,"},{"speaker":"Chris Mamula","startTime":92.955,"endTime":95.835,"body":"but they were very devoted to."},{"speaker":"Chris Mamula","startTime":96.365,"endTime":98.435,"body":"My brother and I, and"},{"speaker":"Chris Mamula","startTime":96.365,"endTime":98.435,"body":"giving us a better future."},{"speaker":"Chris Mamula","startTime":98.795,"endTime":102.155,"body":"And it was always pounded into us that"},{"speaker":"Chris Mamula","startTime":98.795,"endTime":102.155,"body":"we were going to go to college and"},{"speaker":"Chris Mamula","startTime":102.155,"endTime":105.035,"body":"have a better lifestyle and better"},{"speaker":"Chris Mamula","startTime":102.155,"endTime":105.035,"body":"careers and everything than they had."},{"speaker":"Chris Mamula","startTime":105.395,"endTime":110.045,"body":"And so I was always went down that path"},{"speaker":"Chris Mamula","startTime":105.395,"endTime":110.045,"body":"and I became a physical therapist in 2001."},{"speaker":"Chris Mamula","startTime":110.565,"endTime":114.075,"body":"And I was an athlete in high school"},{"speaker":"Chris Mamula","startTime":110.565,"endTime":114.075,"body":"and had some injuries and just"},{"speaker":"Chris Mamula","startTime":114.075,"endTime":116.265,"body":"thought that would be a really"},{"speaker":"Chris Mamula","startTime":114.075,"endTime":116.265,"body":"rewarding career and something I'd"},{"speaker":"Chris Mamula","startTime":116.265,"endTime":117.735,"body":"want to do for the rest of my life."},{"speaker":"Chris Mamula","startTime":117.795,"endTime":121.305,"body":"And after about, I don't know, two"},{"speaker":"Chris Mamula","startTime":117.795,"endTime":121.305,"body":"or three years of working in the us"},{"speaker":"Chris Mamula","startTime":121.305,"endTime":124.455,"body":"healthcare system, I realized I did not"},{"speaker":"Chris Mamula","startTime":121.305,"endTime":124.455,"body":"want to do that for the rest of my life."},{"speaker":"Chris Mamula","startTime":124.795,"endTime":128.275,"body":"But I never thought the whole"},{"speaker":"Chris Mamula","startTime":124.795,"endTime":128.275,"body":"idea of early retirement."},{"speaker":"Chris Mamula","startTime":128.345,"endTime":130.925,"body":"At least not like I thought"},{"speaker":"Chris Mamula","startTime":128.345,"endTime":130.925,"body":"early retirement was maybe 60."},{"speaker":"Chris Mamula","startTime":131.107,"endTime":134.577,"body":"I was just spinning my wheels"},{"speaker":"Chris Mamula","startTime":131.107,"endTime":134.577,"body":"and didn't know what to do."},{"speaker":"Chris Mamula","startTime":134.817,"endTime":138.087,"body":"And it took about 10 years and I"},{"speaker":"Chris Mamula","startTime":134.817,"endTime":138.087,"body":"stumbled into what's now a pretty"},{"speaker":"Chris Mamula","startTime":138.087,"endTime":140.906,"body":"well known as FIRE, financial"},{"speaker":"Chris Mamula","startTime":138.087,"endTime":140.906,"body":"independence, retire early community."},{"speaker":"Chris Mamula","startTime":141.147,"endTime":144.507,"body":"And I started reading these blogs"},{"speaker":"Chris Mamula","startTime":141.147,"endTime":144.507,"body":"and I just saw other people that"},{"speaker":"Chris Mamula","startTime":144.507,"endTime":145.947,"body":"had similar stories to my own."},{"speaker":"Chris Mamula","startTime":146.216,"endTime":147.417,"body":"And I was a natural saver."},{"speaker":"Chris Mamula","startTime":147.417,"endTime":151.437,"body":"So I was already saving, but I had no"},{"speaker":"Chris Mamula","startTime":147.417,"endTime":151.437,"body":"idea what to do with investing or planning"},{"speaker":"Chris Mamula","startTime":151.437,"endTime":153.177,"body":"or thinking that I could retire early."},{"speaker":"Chris Mamula","startTime":153.507,"endTime":157.032,"body":"And once I went down that"},{"speaker":"Chris Mamula","startTime":153.507,"endTime":157.032,"body":"rabbit I got really serious and"},{"speaker":"Chris Mamula","startTime":157.032,"endTime":158.142,"body":"started writing my own blog."},{"speaker":"Chris Mamula","startTime":158.352,"endTime":162.432,"body":"And I ended up retiring at the"},{"speaker":"Chris Mamula","startTime":158.352,"endTime":162.432,"body":"age of 41 in 2017 and my wife and"},{"speaker":"Chris Mamula","startTime":162.432,"endTime":164.082,"body":"I, and our then young daughter."},{"speaker":"Chris Mamula","startTime":164.562,"endTime":167.592,"body":"She was five at the time we moved"},{"speaker":"Chris Mamula","startTime":164.562,"endTime":167.592,"body":"across the country to Utah to live in"},{"speaker":"Chris Mamula","startTime":167.592,"endTime":170.832,"body":"the mountains and be ski bums and live"},{"speaker":"Chris Mamula","startTime":167.592,"endTime":170.832,"body":"the lifestyle that we wanted to live."},{"speaker":"Chris Mamula","startTime":171.102,"endTime":172.182,"body":"And that's what we're doing now."},{"speaker":"Average Joe Finances","startTime":172.609,"endTime":172.819,"body":"Wow."},{"speaker":"Average Joe Finances","startTime":172.899,"endTime":173.719,"body":"That's phenomenal."},{"speaker":"Average Joe Finances","startTime":173.719,"endTime":174.919,"body":"That, that is super cool."},{"speaker":"Average Joe Finances","startTime":174.919,"endTime":178.999,"body":"Retired, just what four years"},{"speaker":"Average Joe Finances","startTime":174.919,"endTime":178.999,"body":"ago now, right at the age of 41."},{"speaker":"Average Joe Finances","startTime":179.289,"endTime":182.309,"body":"That's a pretty young age to retire,"},{"speaker":"Average Joe Finances","startTime":179.289,"endTime":182.309,"body":"especially given the standard of"},{"speaker":"Average Joe Finances","startTime":182.309,"endTime":183.989,"body":"what everybody thinks of retirement."},{"speaker":"Average Joe Finances","startTime":183.989,"endTime":185.069,"body":"You think thinking like 65."},{"speaker":"Average Joe Finances","startTime":185.804,"endTime":186.404,"body":"Or older."},{"speaker":"Average Joe Finances","startTime":186.404,"endTime":187.784,"body":"So yeah, definitely."},{"speaker":"Average Joe Finances","startTime":187.784,"endTime":191.164,"body":"You you hit all four of those letters"},{"speaker":"Average Joe Finances","startTime":187.784,"endTime":191.164,"body":"on the financial independence retire"},{"speaker":"Average Joe Finances","startTime":191.194,"endTime":193.464,"body":"early in that FIRE trademark there."},{"speaker":"Average Joe Finances","startTime":193.484,"endTime":197.714,"body":"I focus more on the whole financial"},{"speaker":"Average Joe Finances","startTime":193.484,"endTime":197.714,"body":"independence aspect versus"},{"speaker":"Average Joe Finances","startTime":198.254,"endTime":201.854,"body":"retirement, because I don't want"},{"speaker":"Average Joe Finances","startTime":198.254,"endTime":201.854,"body":"to tell myself that I'm retired."},{"speaker":"Average Joe Finances","startTime":202.104,"endTime":204.994,"body":"Like when I hit that area, when"},{"speaker":"Average Joe Finances","startTime":202.104,"endTime":204.994,"body":"I hit fi I don't want to say."},{"speaker":"Average Joe Finances","startTime":205.469,"endTime":209.329,"body":"I'm retired now because I feel like"},{"speaker":"Average Joe Finances","startTime":205.469,"endTime":209.329,"body":"it makes me feel old, but you add"},{"speaker":"Average Joe Finances","startTime":209.329,"endTime":213.169,"body":"that last letter on there early,"},{"speaker":"Average Joe Finances","startTime":209.329,"endTime":213.169,"body":"and then you realize, Hey, okay."},{"speaker":"Average Joe Finances","startTime":213.349,"endTime":214.129,"body":"I retired early."},{"speaker":"Average Joe Finances","startTime":214.129,"endTime":214.879,"body":"That's pretty awesome."},{"speaker":"Average Joe Finances","startTime":215.329,"endTime":215.659,"body":"All right."},{"speaker":"Average Joe Finances","startTime":215.689,"endTime":219.169,"body":"So I'd like to talk about  your"},{"speaker":"Average Joe Finances","startTime":215.689,"endTime":219.169,"body":"actual journey to getting there."},{"speaker":"Average Joe Finances","startTime":219.169,"endTime":221.949,"body":"So you started off as a"},{"speaker":"Average Joe Finances","startTime":219.169,"endTime":221.949,"body":"physical therapist, right?"},{"speaker":"Average Joe Finances","startTime":221.949,"endTime":226.659,"body":"So you graduated college in 2001, you"},{"speaker":"Average Joe Finances","startTime":221.949,"endTime":226.659,"body":"said, and you moved on into this career,"},{"speaker":"Average Joe Finances","startTime":226.969,"endTime":230.969,"body":"because you were following the typical,"},{"speaker":"Average Joe Finances","startTime":226.969,"endTime":230.969,"body":"our generation and the generation"},{"speaker":"Average Joe Finances","startTime":230.969,"endTime":234.279,"body":"before, too, like the typical, Hey, if"},{"speaker":"Average Joe Finances","startTime":230.969,"endTime":234.279,"body":"you go to college, you can get a better."},{"speaker":"Average Joe Finances","startTime":235.174,"endTime":236.884,"body":"Make more money and live a better life."},{"speaker":"Average Joe Finances","startTime":236.914,"endTime":241.744,"body":"So you were following that typical path"},{"speaker":"Average Joe Finances","startTime":236.914,"endTime":241.744,"body":"now you said it took what two years"},{"speaker":"Average Joe Finances","startTime":241.744,"endTime":244.744,"body":"and you will like, okay, I'm ready"},{"speaker":"Average Joe Finances","startTime":241.744,"endTime":244.744,"body":"to start looking at something else."},{"speaker":"Average Joe Finances","startTime":245.054,"endTime":247.634,"body":"The good thing is, like you"},{"speaker":"Average Joe Finances","startTime":245.054,"endTime":247.634,"body":"said, you already a natural"},{"speaker":"Average Joe Finances","startTime":247.634,"endTime":249.884,"body":"saver, so that's fantastic."},{"speaker":"Average Joe Finances","startTime":249.884,"endTime":253.504,"body":"There's a lot of people that are in"},{"speaker":"Average Joe Finances","startTime":249.884,"endTime":253.504,"body":"your shoes that go into these career"},{"speaker":"Average Joe Finances","startTime":253.504,"endTime":257.644,"body":"fields after college and savings is not"},{"speaker":"Average Joe Finances","startTime":253.504,"endTime":257.644,"body":"the first thing that's on their mind."},{"speaker":"Average Joe Finances","startTime":258.034,"endTime":262.114,"body":"What is it that you think that you"},{"speaker":"Average Joe Finances","startTime":258.034,"endTime":262.114,"body":"did differently after you graduated"},{"speaker":"Average Joe Finances","startTime":262.114,"endTime":266.464,"body":"college and started your career"},{"speaker":"Average Joe Finances","startTime":262.114,"endTime":266.464,"body":"than the typical, college graduate?"},{"speaker":"Chris Mamula","startTime":266.694,"endTime":269.184,"body":"I think a lot of"},{"speaker":"Chris Mamula","startTime":266.694,"endTime":269.184,"body":"it is honestly just kind of luck."},{"speaker":"Chris Mamula","startTime":269.39,"endTime":272.87,"body":"Like I mentioned, my parents didn't"},{"speaker":"Chris Mamula","startTime":269.39,"endTime":272.87,"body":"have a ton of money, but what"},{"speaker":"Chris Mamula","startTime":272.87,"endTime":276.05,"body":"they had, my mom in particular was"},{"speaker":"Chris Mamula","startTime":272.87,"endTime":276.05,"body":"really good at stretching a dollar."},{"speaker":"Chris Mamula","startTime":276.47,"endTime":280.49,"body":"And it was just always pounded"},{"speaker":"Chris Mamula","startTime":276.47,"endTime":280.49,"body":"into me that, just, you do not"},{"speaker":"Chris Mamula","startTime":280.49,"endTime":283.69,"body":"go into debt and like debt was"},{"speaker":"Chris Mamula","startTime":280.49,"endTime":283.69,"body":"a four-letter word in our house."},{"speaker":"Chris Mamula","startTime":284.1,"endTime":286.83,"body":"And then as I was going to"},{"speaker":"Chris Mamula","startTime":284.1,"endTime":286.83,"body":"get married, so my wife had."},{"speaker":"Chris Mamula","startTime":287.45,"endTime":290.87,"body":"Probably a similar upbringing, a similar"},{"speaker":"Chris Mamula","startTime":287.45,"endTime":290.87,"body":"household income in her childhood."},{"speaker":"Chris Mamula","startTime":291.09,"endTime":294.24,"body":"But her parents didn't have"},{"speaker":"Chris Mamula","startTime":291.09,"endTime":294.24,"body":"that savviness with money."},{"speaker":"Chris Mamula","startTime":294.63,"endTime":296.61,"body":"And so she put herself through school."},{"speaker":"Chris Mamula","startTime":296.61,"endTime":300.77,"body":"She worked full time while going to"},{"speaker":"Chris Mamula","startTime":296.61,"endTime":300.77,"body":"school full time and just extremely"},{"speaker":"Chris Mamula","startTime":300.77,"endTime":302.3,"body":"hard worker, extremely disciplined."},{"speaker":"Chris Mamula","startTime":302.3,"endTime":305.09,"body":"And I saw that and I respected"},{"speaker":"Chris Mamula","startTime":302.3,"endTime":305.09,"body":"that, but she wasn't able to put"},{"speaker":"Chris Mamula","startTime":305.09,"endTime":306.41,"body":"herself through school without debt."},{"speaker":"Chris Mamula","startTime":306.41,"endTime":309.68,"body":"And so as I was coming out debt-free and"},{"speaker":"Chris Mamula","startTime":306.41,"endTime":309.68,"body":"she had debt and we were getting married."},{"speaker":"Chris Mamula","startTime":310.139,"endTime":311.529,"body":"I guess I knew she was responsible."},{"speaker":"Chris Mamula","startTime":311.529,"endTime":314.199,"body":"I knew it wasn't like she was racking"},{"speaker":"Chris Mamula","startTime":311.529,"endTime":314.199,"body":"up credit cards or shopping sprees,"},{"speaker":"Chris Mamula","startTime":314.229,"endTime":315.429,"body":"but it's still freaked me out."},{"speaker":"Chris Mamula","startTime":315.759,"endTime":318.489,"body":"And so I just approached her and I talked"},{"speaker":"Chris Mamula","startTime":315.759,"endTime":318.489,"body":"to her and I said, I really would like"},{"speaker":"Chris Mamula","startTime":318.489,"endTime":320.049,"body":"us to be, debt-free getting married."},{"speaker":"Chris Mamula","startTime":320.049,"endTime":323.659,"body":"And we established a plan where"},{"speaker":"Chris Mamula","startTime":320.049,"endTime":323.659,"body":"she graduated a year ahead of me."},{"speaker":"Chris Mamula","startTime":323.719,"endTime":326.329,"body":"And so we started just"},{"speaker":"Chris Mamula","startTime":323.719,"endTime":326.329,"body":"living off of her salary."},{"speaker":"Chris Mamula","startTime":326.779,"endTime":330.319,"body":"And as I was finishing PT school,"},{"speaker":"Chris Mamula","startTime":326.779,"endTime":330.319,"body":"I was working part-time and so"},{"speaker":"Chris Mamula","startTime":330.349,"endTime":333.199,"body":"everything I was making extra,"},{"speaker":"Chris Mamula","startTime":330.349,"endTime":333.199,"body":"I was just throwing at her debt."},{"speaker":"Chris Mamula","startTime":333.679,"endTime":337.119,"body":"And then my first real paycheck or two"},{"speaker":"Chris Mamula","startTime":333.679,"endTime":337.119,"body":"as a physical therapist, we were able"},{"speaker":"Chris Mamula","startTime":337.119,"endTime":340.809,"body":"to become debt-free a few months before"},{"speaker":"Chris Mamula","startTime":337.119,"endTime":340.809,"body":"we were married and we realized, we"},{"speaker":"Chris Mamula","startTime":340.829,"endTime":342.449,"body":"were still into that college lifestyle."},{"speaker":"Chris Mamula","startTime":343.249,"endTime":344.029,"body":"We were pretty happy."},{"speaker":"Chris Mamula","startTime":344.089,"endTime":347.749,"body":"And so instead of inflating our spending,"},{"speaker":"Chris Mamula","startTime":344.089,"endTime":347.749,"body":"like most people do, we just kept"},{"speaker":"Chris Mamula","startTime":347.749,"endTime":349.849,"body":"living off of her salary from day one."},{"speaker":"Chris Mamula","startTime":350.269,"endTime":352.339,"body":"And we'd banked my salary"},{"speaker":"Chris Mamula","startTime":350.269,"endTime":352.339,"body":"basically from day one."},{"speaker":"Chris Mamula","startTime":352.339,"endTime":354.859,"body":"Like at first after we got out of"},{"speaker":"Chris Mamula","startTime":352.339,"endTime":354.859,"body":"debt, we just started throwing it into"},{"speaker":"Chris Mamula","startTime":354.859,"endTime":356.449,"body":"savings for a down payment on a house."},{"speaker":"Chris Mamula","startTime":356.869,"endTime":359.629,"body":"And then once we bought our house,"},{"speaker":"Chris Mamula","startTime":356.869,"endTime":359.629,"body":"we were just basically blindly."},{"speaker":"Chris Mamula","startTime":359.629,"endTime":360.289,"body":"We didn't know what we were doing."},{"speaker":"Chris Mamula","startTime":360.289,"endTime":363.559,"body":"We were putting one paycheck extra"},{"speaker":"Chris Mamula","startTime":360.289,"endTime":363.559,"body":"towards our mortgage and the other, we"},{"speaker":"Chris Mamula","startTime":363.559,"endTime":365.369,"body":"were investing with a financial advisor."},{"speaker":"Chris Mamula","startTime":365.549,"endTime":366.779,"body":"So we didn't really"},{"speaker":"Chris Mamula","startTime":365.549,"endTime":366.779,"body":"know what we were doing."},{"speaker":"Chris Mamula","startTime":366.779,"endTime":370.439,"body":"We didn't have a plan, but the"},{"speaker":"Chris Mamula","startTime":366.779,"endTime":370.439,"body":"whole time every time, I got paid."},{"speaker":"Chris Mamula","startTime":370.439,"endTime":372.689,"body":"It was going towards appreciating"},{"speaker":"Chris Mamula","startTime":370.439,"endTime":372.689,"body":"assets either towards our"},{"speaker":"Chris Mamula","startTime":372.689,"endTime":373.859,"body":"house or towards investments."},{"speaker":"Chris Mamula","startTime":374.099,"endTime":378.039,"body":"And so even though we certainly were far"},{"speaker":"Chris Mamula","startTime":374.099,"endTime":378.039,"body":"from optimized we were making progress."},{"speaker":"Chris Mamula","startTime":378.039,"endTime":381.219,"body":"So we like, when I discovered this"},{"speaker":"Chris Mamula","startTime":378.039,"endTime":381.219,"body":"FIRE movement, we already were"},{"speaker":"Chris Mamula","startTime":381.279,"endTime":382.359,"body":"close to paying off our house."},{"speaker":"Chris Mamula","startTime":382.359,"endTime":384.459,"body":"We had a substantial investment account."},{"speaker":"Chris Mamula","startTime":384.669,"endTime":388.749,"body":"And so we had a head start and we"},{"speaker":"Chris Mamula","startTime":384.669,"endTime":388.749,"body":"were ready to just really just for"},{"speaker":"Chris Mamula","startTime":388.749,"endTime":391.709,"body":"a bad pun, but throw gas on the fire"},{"speaker":"Chris Mamula","startTime":388.749,"endTime":391.709,"body":"and speed up the process towards"},{"speaker":"Chris Mamula","startTime":391.709,"endTime":392.789,"body":"hitting financial independence."},{"speaker":"Average Joe Finances","startTime":393.014,"endTime":394.064,"body":"Nothing wrong with that pun."},{"speaker":"Average Joe Finances","startTime":394.064,"endTime":394.544,"body":"I like it."},{"speaker":"Average Joe Finances","startTime":395.294,"endTime":397.064,"body":"Throw it, throw as much"},{"speaker":"Average Joe Finances","startTime":395.294,"endTime":397.064,"body":"gas on it as you can."},{"speaker":"Average Joe Finances","startTime":397.364,"endTime":401.504,"body":"So it's awesome that you were able to put"},{"speaker":"Average Joe Finances","startTime":397.364,"endTime":401.504,"body":"that extra paycheck towards your mortgage"},{"speaker":"Average Joe Finances","startTime":401.504,"endTime":405.324,"body":"and stuff and not even realize  how many"},{"speaker":"Average Joe Finances","startTime":401.504,"endTime":405.324,"body":"years you were shaving off of your house"},{"speaker":"Average Joe Finances","startTime":405.324,"endTime":409.244,"body":"payments and, on your mortgage by doing"},{"speaker":"Average Joe Finances","startTime":405.324,"endTime":409.244,"body":"so I want to point out, so you said you"},{"speaker":"Average Joe Finances","startTime":409.244,"endTime":411.434,"body":"were able to graduate college debt free."},{"speaker":"Average Joe Finances","startTime":411.434,"endTime":415.784,"body":"So did you do that because while you"},{"speaker":"Average Joe Finances","startTime":411.434,"endTime":415.784,"body":"were working part-time while going"},{"speaker":"Average Joe Finances","startTime":415.784,"endTime":419.954,"body":"to school and you were paying for it"},{"speaker":"Average Joe Finances","startTime":415.784,"endTime":419.954,"body":"that way, or did you have any type of"},{"speaker":"Average Joe Finances","startTime":420.444,"endTime":422.224,"body":"grants or scholarships or anything?"},{"speaker":"Chris Mamula","startTime":422.764,"endTime":424.061,"body":"Yeah, I'd"},{"speaker":"Chris Mamula","startTime":422.764,"endTime":424.061,"body":"say all of the above."},{"speaker":"Chris Mamula","startTime":424.061,"endTime":427.631,"body":"So I'm a big key to our success"},{"speaker":"Chris Mamula","startTime":424.061,"endTime":427.631,"body":"to my wife and I, between us."},{"speaker":"Chris Mamula","startTime":427.631,"endTime":431.861,"body":"We have six college degrees and the"},{"speaker":"Chris Mamula","startTime":427.631,"endTime":431.861,"body":"only debt we had was on her bachelor's."},{"speaker":"Chris Mamula","startTime":431.891,"endTime":432.791,"body":"And how that worked."},{"speaker":"Chris Mamula","startTime":432.821,"endTime":435.081,"body":"So we both worked through"},{"speaker":"Chris Mamula","startTime":432.821,"endTime":435.081,"body":"school for myself."},{"speaker":"Chris Mamula","startTime":435.111,"endTime":438.321,"body":"My parents helped me a fair amount"},{"speaker":"Chris Mamula","startTime":435.111,"endTime":438.321,"body":"with my undergrad, but I was"},{"speaker":"Chris Mamula","startTime":438.321,"endTime":441.531,"body":"still working basically what my"},{"speaker":"Chris Mamula","startTime":438.321,"endTime":441.531,"body":"parents just had a sum of money."},{"speaker":"Chris Mamula","startTime":441.531,"endTime":442.791,"body":"They saved as much as they could."},{"speaker":"Chris Mamula","startTime":443.181,"endTime":445.321,"body":"And they just said, this"},{"speaker":"Chris Mamula","startTime":443.181,"endTime":445.321,"body":"is your pot of money."},{"speaker":"Chris Mamula","startTime":445.351,"endTime":448.841,"body":"And if you use it responsibly if there's"},{"speaker":"Chris Mamula","startTime":445.351,"endTime":448.841,"body":"anything left over, you would keep it."},{"speaker":"Chris Mamula","startTime":448.901,"endTime":452.531,"body":"And if not, you're going to have to take"},{"speaker":"Chris Mamula","startTime":448.901,"endTime":452.531,"body":"out debt in your name and it's yours."},{"speaker":"Chris Mamula","startTime":452.861,"endTime":456.211,"body":"And so I was a good put skin in the"},{"speaker":"Chris Mamula","startTime":452.861,"endTime":456.211,"body":"game for me, and who motivated me."},{"speaker":"Chris Mamula","startTime":456.601,"endTime":459.121,"body":"And so I was able to get through"},{"speaker":"Chris Mamula","startTime":456.601,"endTime":459.121,"body":"my undergrad with a little"},{"speaker":"Chris Mamula","startTime":459.121,"endTime":460.231,"body":"bit of a positive net worth."},{"speaker":"Chris Mamula","startTime":460.321,"endTime":462.751,"body":"And then my grad school, I was"},{"speaker":"Chris Mamula","startTime":460.321,"endTime":462.751,"body":"just searching and hunting and"},{"speaker":"Chris Mamula","startTime":462.751,"endTime":464.941,"body":"I ended up getting a scholarship"},{"speaker":"Chris Mamula","startTime":462.751,"endTime":464.941,"body":"that paid most of them."},{"speaker":"Chris Mamula","startTime":465.491,"endTime":466.541,"body":"My master's degree."},{"speaker":"Chris Mamula","startTime":467.051,"endTime":469.151,"body":"And then I was also"},{"speaker":"Chris Mamula","startTime":467.051,"endTime":469.151,"body":"working through PT school."},{"speaker":"Chris Mamula","startTime":469.151,"endTime":471.761,"body":"So again, I graduated, I was"},{"speaker":"Chris Mamula","startTime":469.151,"endTime":471.761,"body":"actually at a, starting at zero."},{"speaker":"Chris Mamula","startTime":471.761,"endTime":474.461,"body":"I may have had a little bit of a"},{"speaker":"Chris Mamula","startTime":471.761,"endTime":474.461,"body":"positive net worth, but not very"},{"speaker":"Chris Mamula","startTime":474.461,"endTime":475.911,"body":"much, but it's a heck of a lot."},{"speaker":"Chris Mamula","startTime":475.911,"endTime":478.671,"body":"Most, a lot of physical therapists"},{"speaker":"Chris Mamula","startTime":475.911,"endTime":478.671,"body":"are graduating 60, 80, a hundred"},{"speaker":"Chris Mamula","startTime":478.671,"endTime":479.661,"body":"thousand dollars in debt."},{"speaker":"Chris Mamula","startTime":479.661,"endTime":482.061,"body":"So yeah, it was a huge headstart for me."},{"speaker":"Chris Mamula","startTime":482.311,"endTime":486.741,"body":"Just because I think like a lot"},{"speaker":"Chris Mamula","startTime":482.311,"endTime":486.741,"body":"of people, like just debt is so"},{"speaker":"Chris Mamula","startTime":486.741,"endTime":488.181,"body":"prevalent and it's just everywhere."},{"speaker":"Chris Mamula","startTime":488.901,"endTime":490.221,"body":"So people just accept that."},{"speaker":"Chris Mamula","startTime":490.221,"endTime":492.411,"body":"And with my mom and my dad"},{"speaker":"Chris Mamula","startTime":490.221,"endTime":492.411,"body":"just hammering that into me."},{"speaker":"Chris Mamula","startTime":492.411,"endTime":495.071,"body":"Like I was always looking for a"},{"speaker":"Chris Mamula","startTime":492.411,"endTime":495.071,"body":"different way to do things and"},{"speaker":"Chris Mamula","startTime":495.171,"endTime":496.191,"body":"trying to get through without debt."},{"speaker":"Chris Mamula","startTime":496.191,"endTime":496.971,"body":"And I was able to do that."},{"speaker":"Average Joe Finances","startTime":497.046,"endTime":497.766,"body":"That's phenomenal."},{"speaker":"Average Joe Finances","startTime":497.766,"endTime":501.532,"body":"You had in your set in your mind"},{"speaker":"Average Joe Finances","startTime":497.766,"endTime":501.532,"body":"the entire time that, you wanted"},{"speaker":"Average Joe Finances","startTime":501.552,"endTime":504.132,"body":"to be debt-free even when when"},{"speaker":"Average Joe Finances","startTime":501.552,"endTime":504.132,"body":"you met your wife and you guys"},{"speaker":"Average Joe Finances","startTime":504.132,"endTime":505.362,"body":"decided, Hey, we're gonna do this."},{"speaker":"Average Joe Finances","startTime":505.362,"endTime":505.842,"body":"We're gonna get married."},{"speaker":"Average Joe Finances","startTime":506.487,"endTime":507.447,"body":"And you will like, hang on."},{"speaker":"Average Joe Finances","startTime":507.957,"endTime":511.137,"body":"We need to make sure that we remain"},{"speaker":"Average Joe Finances","startTime":507.957,"endTime":511.137,"body":"debt free when we do this and"},{"speaker":"Average Joe Finances","startTime":511.137,"endTime":512.247,"body":"you came up with a plan, right?"},{"speaker":"Average Joe Finances","startTime":512.247,"endTime":513.927,"body":"It wasn't like you just winged it."},{"speaker":"Average Joe Finances","startTime":513.967,"endTime":517.987,"body":"You guys sat down, came up with a"},{"speaker":"Average Joe Finances","startTime":513.967,"endTime":517.987,"body":"plan on how to do it and you executed."},{"speaker":"Average Joe Finances","startTime":518.064,"endTime":519.084,"body":"So that's fantastic."},{"speaker":"Average Joe Finances","startTime":519.084,"endTime":521.184,"body":"And then you were able to live"},{"speaker":"Average Joe Finances","startTime":519.084,"endTime":521.184,"body":"there, there was something that"},{"speaker":"Average Joe Finances","startTime":521.184,"endTime":523.021,"body":"you said about your parents."},{"speaker":"Average Joe Finances","startTime":523.021,"endTime":525.571,"body":"You said that they didn't have a lot"},{"speaker":"Average Joe Finances","startTime":523.021,"endTime":525.571,"body":"of money, but you said your mother"},{"speaker":"Average Joe Finances","startTime":525.571,"endTime":527.491,"body":"was able to really stretch a dollar."},{"speaker":"Average Joe Finances","startTime":527.821,"endTime":531.661,"body":"So I want to point out, I really feel"},{"speaker":"Average Joe Finances","startTime":527.821,"endTime":531.661,"body":"what it's like to live a frugal lifestyle"},{"speaker":"Average Joe Finances","startTime":531.661,"endTime":536.251,"body":"as well, because being able to stretch a"},{"speaker":"Average Joe Finances","startTime":531.661,"endTime":536.251,"body":"dollar like that, also means you can save"},{"speaker":"Average Joe Finances","startTime":536.251,"endTime":539.961,"body":"a lot more and put a lot more, towards,"},{"speaker":"Average Joe Finances","startTime":536.251,"endTime":539.961,"body":"paying down your mortgage early or"},{"speaker":"Average Joe Finances","startTime":539.961,"endTime":542.091,"body":"towards investments and things like that."},{"speaker":"Average Joe Finances","startTime":542.101,"endTime":546.451,"body":"Now you said you would take one"},{"speaker":"Average Joe Finances","startTime":542.101,"endTime":546.451,"body":"paycheck and put it towards, an"},{"speaker":"Average Joe Finances","startTime":546.451,"endTime":550.801,"body":"extra mortgage payment, and then"},{"speaker":"Average Joe Finances","startTime":546.451,"endTime":550.801,"body":"you would also take one paycheck and"},{"speaker":"Average Joe Finances","startTime":550.801,"endTime":552.211,"body":"give it to your financial advisor."},{"speaker":"Average Joe Finances","startTime":552.211,"endTime":556.448,"body":"So what kind of investments were you"},{"speaker":"Average Joe Finances","startTime":552.211,"endTime":556.448,"body":"involved in, with your financial advisor?"},{"speaker":"Chris Mamula","startTime":556.953,"endTime":559.743,"body":"Like I said, we certainly"},{"speaker":"Chris Mamula","startTime":556.953,"endTime":559.743,"body":"weren't optimizing things and this is"},{"speaker":"Chris Mamula","startTime":559.743,"endTime":561.273,"body":"where our mistakes started coming in."},{"speaker":"Chris Mamula","startTime":561.273,"endTime":563.973,"body":"Like my parents, they never"},{"speaker":"Chris Mamula","startTime":561.273,"endTime":563.973,"body":"made a whole lot of money, but I"},{"speaker":"Chris Mamula","startTime":563.973,"endTime":566.913,"body":"knew that they were really good"},{"speaker":"Chris Mamula","startTime":563.973,"endTime":566.913,"body":"savers and they were doing okay."},{"speaker":"Chris Mamula","startTime":566.913,"endTime":570.153,"body":"And they were able to help my brother and"},{"speaker":"Chris Mamula","startTime":566.913,"endTime":570.153,"body":"I through school on really much smaller"},{"speaker":"Chris Mamula","startTime":570.153,"endTime":571.413,"body":"salaries and my wife and I were making."},{"speaker":"Chris Mamula","startTime":571.863,"endTime":576.173,"body":"And so basically I just assumed you"},{"speaker":"Chris Mamula","startTime":571.863,"endTime":576.173,"body":"see everywhere that like finance is"},{"speaker":"Chris Mamula","startTime":576.173,"endTime":577.643,"body":"so hard and investing is so hard."},{"speaker":"Chris Mamula","startTime":577.643,"endTime":581.963,"body":"So I went to my parents and I just said,"},{"speaker":"Chris Mamula","startTime":577.643,"endTime":581.963,"body":"You guys seem like you're doing well."},{"speaker":"Chris Mamula","startTime":581.993,"endTime":584.693,"body":"Would you mind like telling me"},{"speaker":"Chris Mamula","startTime":581.993,"endTime":584.693,"body":"how you do your investments?"},{"speaker":"Chris Mamula","startTime":584.693,"endTime":586.933,"body":"And they said we just have"},{"speaker":"Chris Mamula","startTime":584.693,"endTime":586.933,"body":"this investment advisor."},{"speaker":"Chris Mamula","startTime":587.728,"endTime":589.348,"body":"He seems to be doing well for us."},{"speaker":"Chris Mamula","startTime":589.408,"endTime":593.658,"body":"And so I said, they referred me to him and"},{"speaker":"Chris Mamula","startTime":589.408,"endTime":593.658,"body":"that was the extent of my due diligence."},{"speaker":"Chris Mamula","startTime":593.658,"endTime":595.278,"body":"Like I asked zero questions."},{"speaker":"Chris Mamula","startTime":595.728,"endTime":599.748,"body":"So what I found out later, as I"},{"speaker":"Chris Mamula","startTime":595.728,"endTime":599.748,"body":"started getting into like the finding,"},{"speaker":"Chris Mamula","startTime":599.778,"endTime":602.028,"body":"like getting into the technical"},{"speaker":"Chris Mamula","startTime":599.778,"endTime":602.028,"body":"side of investing in the whole of"},{"speaker":"Chris Mamula","startTime":602.028,"endTime":605.288,"body":"FIRE and the financial planning and"},{"speaker":"Chris Mamula","startTime":602.028,"endTime":605.288,"body":"retirement planning he was basically,"},{"speaker":"Chris Mamula","startTime":605.288,"endTime":606.728,"body":"he was a commissioned salesman."},{"speaker":"Chris Mamula","startTime":607.088,"endTime":610.568,"body":"So we were buying front-loaded mutual"},{"speaker":"Chris Mamula","startTime":607.088,"endTime":610.568,"body":"funds, who we're paying five and a half"},{"speaker":"Chris Mamula","startTime":610.568,"endTime":612.908,"body":"percent on every purchase that we made."},{"speaker":"Chris Mamula","startTime":613.188,"endTime":616.313,"body":"And then he was advising"},{"speaker":"Chris Mamula","startTime":613.188,"endTime":616.313,"body":"us to bypass on our 401k."},{"speaker":"Chris Mamula","startTime":616.313,"endTime":619.253,"body":"So we were giving up all those tax"},{"speaker":"Chris Mamula","startTime":616.313,"endTime":619.253,"body":"advantages that we would have had when"},{"speaker":"Chris Mamula","startTime":619.253,"endTime":622.133,"body":"we were in our higher earning years,"},{"speaker":"Chris Mamula","startTime":619.253,"endTime":622.133,"body":"never taking advantage of those."},{"speaker":"Chris Mamula","startTime":622.373,"endTime":624.683,"body":"Then we were buying expensive"},{"speaker":"Chris Mamula","startTime":622.373,"endTime":624.683,"body":"funds, which were giving him"},{"speaker":"Chris Mamula","startTime":624.713,"endTime":626.153,"body":"kickbacks back to the advisor."},{"speaker":"Chris Mamula","startTime":626.483,"endTime":628.373,"body":"And then, because these are"},{"speaker":"Chris Mamula","startTime":626.483,"endTime":628.373,"body":"all in taxable accounts and"},{"speaker":"Chris Mamula","startTime":628.373,"endTime":629.863,"body":"because we had a relatively high."},{"speaker":"Chris Mamula","startTime":630.568,"endTime":634.588,"body":"Now we're starting to churn off a lot"},{"speaker":"Chris Mamula","startTime":630.568,"endTime":634.588,"body":"of taxes, a taxable income off of our"},{"speaker":"Chris Mamula","startTime":634.588,"endTime":636.238,"body":"investments that are in taxable accounts."},{"speaker":"Chris Mamula","startTime":636.568,"endTime":637.848,"body":"And it was, it's amazing."},{"speaker":"Chris Mamula","startTime":637.878,"endTime":640.548,"body":"It's almost sounds like this"},{"speaker":"Chris Mamula","startTime":637.878,"endTime":640.548,"body":"couldn't be true on two people on"},{"speaker":"Chris Mamula","startTime":640.548,"endTime":643.638,"body":"average, professional salaries, but"},{"speaker":"Chris Mamula","startTime":640.548,"endTime":643.638,"body":"I tallied it up in my last year."},{"speaker":"Chris Mamula","startTime":643.878,"endTime":648.498,"body":"We paid over $20,000 in unnecessary"},{"speaker":"Chris Mamula","startTime":643.878,"endTime":648.498,"body":"taxes and fees to the advisor"},{"speaker":"Chris Mamula","startTime":648.678,"endTime":649.968,"body":"to just to follow this advice."},{"speaker":"Chris Mamula","startTime":650.388,"endTime":653.943,"body":"And once I took over my own"},{"speaker":"Chris Mamula","startTime":650.388,"endTime":653.943,"body":"investments , Yeah, I like, we"},{"speaker":"Chris Mamula","startTime":653.943,"endTime":654.903,"body":"were able to shave that off."},{"speaker":"Chris Mamula","startTime":654.903,"endTime":657.753,"body":"Again, talking about throwing the gasoline"},{"speaker":"Chris Mamula","startTime":654.903,"endTime":657.753,"body":"on the fire, but that's how we did that."},{"speaker":"Chris Mamula","startTime":657.783,"endTime":660.123,"body":"So we already had the foundation"},{"speaker":"Chris Mamula","startTime":657.783,"endTime":660.123,"body":"with the savings rate."},{"speaker":"Chris Mamula","startTime":660.433,"endTime":662.773,"body":"But yeah, and then we figured out"},{"speaker":"Chris Mamula","startTime":660.433,"endTime":662.773,"body":"the investment in the tax planning"},{"speaker":"Chris Mamula","startTime":662.773,"endTime":665.983,"body":"side and it saved us literally 20"},{"speaker":"Chris Mamula","startTime":662.773,"endTime":665.983,"body":"plus thousand dollars every year."},{"speaker":"Average Joe Finances","startTime":666.033,"endTime":666.983,"body":"That is significant."},{"speaker":"Average Joe Finances","startTime":667.083,"endTime":669.933,"body":"$20,000 a year is nothing to"},{"speaker":"Average Joe Finances","startTime":667.083,"endTime":669.933,"body":"sneeze at, especially if you're"},{"speaker":"Average Joe Finances","startTime":669.933,"endTime":671.926,"body":"investing it and growing that money."},{"speaker":"Average Joe Finances","startTime":671.926,"endTime":672.916,"body":"Jeez, exactly."},{"speaker":"Average Joe Finances","startTime":673.076,"endTime":673.856,"body":"Okay, awesome."},{"speaker":"Average Joe Finances","startTime":674.156,"endTime":679.292,"body":"So I know  you were able to get yourself"},{"speaker":"Average Joe Finances","startTime":674.156,"endTime":679.292,"body":"set up to retire early at the age of 41."},{"speaker":"Average Joe Finances","startTime":679.292,"endTime":679.982,"body":"It's awesome."},{"speaker":"Average Joe Finances","startTime":680.342,"endTime":684.782,"body":"And then, the other part about it that I"},{"speaker":"Average Joe Finances","startTime":680.342,"endTime":684.782,"body":"really like about what you're doing is."},{"speaker":"Average Joe Finances","startTime":685.562,"endTime":690.352,"body":"You did not hesitate to share"},{"speaker":"Average Joe Finances","startTime":685.562,"endTime":690.352,"body":"your story with other people."},{"speaker":"Average Joe Finances","startTime":690.682,"endTime":694.112,"body":"And people that are, that are"},{"speaker":"Average Joe Finances","startTime":690.682,"endTime":694.112,"body":"really successful themselves and"},{"speaker":"Average Joe Finances","startTime":694.112,"endTime":697.172,"body":"they give back to the community"},{"speaker":"Average Joe Finances","startTime":694.112,"endTime":697.172,"body":"is just absolutely amazing."},{"speaker":"Average Joe Finances","startTime":697.502,"endTime":699.452,"body":"So you started a blog, right?"},{"speaker":"Average Joe Finances","startTime":699.752,"endTime":701.072,"body":"We talked about that a little bit."},{"speaker":"Average Joe Finances","startTime":701.072,"endTime":703.622,"body":"What made you decide to start a blog?"},{"speaker":"Chris Mamula","startTime":703.802,"endTime":706.892,"body":"I started at the time"},{"speaker":"Chris Mamula","startTime":703.802,"endTime":706.892,"body":"when I started reading, like FIRE blogs"},{"speaker":"Chris Mamula","startTime":706.892,"endTime":707.882,"body":"were starting to become prevalent."},{"speaker":"Chris Mamula","startTime":707.882,"endTime":710.852,"body":"So if anybody's familiar"},{"speaker":"Chris Mamula","startTime":707.882,"endTime":710.852,"body":"with this FIRE term, like Mr."},{"speaker":"Chris Mamula","startTime":710.852,"endTime":715.852,"body":"Money, mustache the mad FIentist a guy"},{"speaker":"Chris Mamula","startTime":710.852,"endTime":715.852,"body":"named JL Collins these were like the"},{"speaker":"Chris Mamula","startTime":715.882,"endTime":717.352,"body":"early FIRE bloggers that I was finding."},{"speaker":"Chris Mamula","startTime":717.352,"endTime":720.172,"body":"I go Curry cracker, and I'm reading"},{"speaker":"Chris Mamula","startTime":717.352,"endTime":720.172,"body":"these blogs and they're all using"},{"speaker":"Chris Mamula","startTime":720.172,"endTime":721.732,"body":"these anonymous synonym names."},{"speaker":"Chris Mamula","startTime":722.392,"endTime":723.442,"body":"And I'm skeptical."},{"speaker":"Chris Mamula","startTime":723.442,"endTime":725.212,"body":"Like I never even heard of a"},{"speaker":"Chris Mamula","startTime":723.442,"endTime":725.212,"body":"blog and I started reading."},{"speaker":"Chris Mamula","startTime":725.242,"endTime":728.002,"body":"I somehow stumbled upon, I think"},{"speaker":"Chris Mamula","startTime":725.242,"endTime":728.002,"body":"I, my original one I found was"},{"speaker":"Chris Mamula","startTime":728.002,"endTime":729.442,"body":"called early retirement extreme."},{"speaker":"Chris Mamula","startTime":729.892,"endTime":731.512,"body":"And it's this guy named Jacob."},{"speaker":"Chris Mamula","startTime":731.512,"endTime":735.082,"body":"And he talked about living, like"},{"speaker":"Chris Mamula","startTime":731.512,"endTime":735.082,"body":"living in the San Francisco area on"},{"speaker":"Chris Mamula","startTime":735.082,"endTime":737.692,"body":"$9,000 a year or something ridiculous."},{"speaker":"Chris Mamula","startTime":737.992,"endTime":740.632,"body":"And like, when I first read it,"},{"speaker":"Chris Mamula","startTime":737.992,"endTime":740.632,"body":"it almost sounded too good to be"},{"speaker":"Chris Mamula","startTime":740.632,"endTime":743.402,"body":"true, but I just there was something"},{"speaker":"Chris Mamula","startTime":740.632,"endTime":743.402,"body":"in, it just resonated with me."},{"speaker":"Chris Mamula","startTime":743.732,"endTime":746.142,"body":"And so I started reading and I"},{"speaker":"Chris Mamula","startTime":743.732,"endTime":746.142,"body":"re I still remember we have a"},{"speaker":"Chris Mamula","startTime":746.142,"endTime":747.882,"body":"friend who's an accountant and."},{"speaker":"Chris Mamula","startTime":748.992,"endTime":751.152,"body":"My wife said, if we're gonna start"},{"speaker":"Chris Mamula","startTime":748.992,"endTime":751.152,"body":"going down this path, I think we"},{"speaker":"Chris Mamula","startTime":751.152,"endTime":753.042,"body":"need to like talk to somebody."},{"speaker":"Chris Mamula","startTime":753.042,"endTime":755.952,"body":"So we talked to her and we just said,"},{"speaker":"Chris Mamula","startTime":753.042,"endTime":755.952,"body":"this is what we're thinking about."},{"speaker":"Chris Mamula","startTime":755.952,"endTime":758.362,"body":"Doing to do some tax planning"},{"speaker":"Chris Mamula","startTime":755.952,"endTime":758.362,"body":"and we're reading this stuff."},{"speaker":"Chris Mamula","startTime":758.392,"endTime":759.442,"body":"And what do you think about this?"},{"speaker":"Chris Mamula","startTime":759.442,"endTime":760.522,"body":"And she just looked at us."},{"speaker":"Chris Mamula","startTime":761.302,"endTime":762.172,"body":"Where are you getting this?"},{"speaker":"Chris Mamula","startTime":762.682,"endTime":765.952,"body":"I said, I was reading the mad"},{"speaker":"Chris Mamula","startTime":762.682,"endTime":765.952,"body":"FIentist and she's like the what?"},{"speaker":"Chris Mamula","startTime":766.252,"endTime":767.842,"body":"And I said, is this like"},{"speaker":"Chris Mamula","startTime":766.252,"endTime":767.842,"body":"something not legit?"},{"speaker":"Chris Mamula","startTime":767.842,"endTime":768.992,"body":"She's no, it's brilliant."},{"speaker":"Chris Mamula","startTime":768.992,"endTime":771.532,"body":"But even as an accountant, she never"},{"speaker":"Chris Mamula","startTime":768.992,"endTime":771.532,"body":"really thought of things this way."},{"speaker":"Chris Mamula","startTime":771.532,"endTime":774.532,"body":"And it's just so simple, but so what"},{"speaker":"Chris Mamula","startTime":771.532,"endTime":774.532,"body":"this whole FIRE community is just"},{"speaker":"Chris Mamula","startTime":774.532,"endTime":778.752,"body":"taking really simple principles and just"},{"speaker":"Chris Mamula","startTime":774.532,"endTime":778.752,"body":"basically learning the rules, learning"},{"speaker":"Chris Mamula","startTime":778.952,"endTime":781.832,"body":"how to minimize your investment fees,"},{"speaker":"Chris Mamula","startTime":778.952,"endTime":781.832,"body":"learning how to minimize your taxes"},{"speaker":"Chris Mamula","startTime":781.832,"endTime":783.482,"body":"and totally legal and legitimate ways."},{"speaker":"Chris Mamula","startTime":783.752,"endTime":786.662,"body":"And then putting it all together with"},{"speaker":"Chris Mamula","startTime":783.752,"endTime":786.662,"body":"a high savings rate and the math works."},{"speaker":"Chris Mamula","startTime":786.972,"endTime":787.702,"body":"And so it."},{"speaker":"Chris Mamula","startTime":788.707,"endTime":789.487,"body":"Changed my life."},{"speaker":"Chris Mamula","startTime":789.517,"endTime":792.447,"body":"It I was feeling hopeless, like not"},{"speaker":"Chris Mamula","startTime":789.517,"endTime":792.447,"body":"knowing how to get out of this career."},{"speaker":"Chris Mamula","startTime":792.447,"endTime":795.467,"body":"I didn't like, and we found out around"},{"speaker":"Chris Mamula","startTime":792.447,"endTime":795.467,"body":"that time, what really motivated me"},{"speaker":"Chris Mamula","startTime":795.467,"endTime":799.157,"body":"to get serious was found out we were"},{"speaker":"Chris Mamula","startTime":795.467,"endTime":799.157,"body":"going to have a daughter and it just"},{"speaker":"Chris Mamula","startTime":799.157,"endTime":801.857,"body":"gave me hope like, oh my goodness, I"},{"speaker":"Chris Mamula","startTime":799.157,"endTime":801.857,"body":"can design the life I really wanted."},{"speaker":"Chris Mamula","startTime":802.157,"endTime":804.547,"body":"And yeah, that's what kind of I"},{"speaker":"Chris Mamula","startTime":802.157,"endTime":804.547,"body":"guess I didn't really know how to"},{"speaker":"Chris Mamula","startTime":804.547,"endTime":806.257,"body":"pay these anonymous bloggers back."},{"speaker":"Chris Mamula","startTime":806.257,"endTime":806.857,"body":"That changed my life."},{"speaker":"Chris Mamula","startTime":806.857,"endTime":809.437,"body":"So I was like, I become one"},{"speaker":"Chris Mamula","startTime":806.857,"endTime":809.437,"body":"myself and pay it forward to other"},{"speaker":"Chris Mamula","startTime":809.437,"endTime":810.427,"body":"people and hopefully help them."},{"speaker":"Average Joe Finances","startTime":811.152,"endTime":811.812,"body":"That's awesome."},{"speaker":"Average Joe Finances","startTime":811.842,"endTime":815.482,"body":"Yeah, that's what a great story,"},{"speaker":"Average Joe Finances","startTime":811.842,"endTime":815.482,"body":"man, and it's amazing that what"},{"speaker":"Average Joe Finances","startTime":815.482,"endTime":820.722,"body":"having a child can do to change your"},{"speaker":"Average Joe Finances","startTime":815.482,"endTime":820.722,"body":"motivation and change, the timeline"},{"speaker":"Average Joe Finances","startTime":820.722,"endTime":822.312,"body":"of what you're trying to accomplish."},{"speaker":"Average Joe Finances","startTime":822.392,"endTime":823.902,"body":"It's amazing what that can do."},{"speaker":"Average Joe Finances","startTime":824.332,"endTime":827.032,"body":"I'm doing everything I'm doing right"},{"speaker":"Average Joe Finances","startTime":824.332,"endTime":827.032,"body":"now because I've spent a career in"},{"speaker":"Average Joe Finances","startTime":827.032,"endTime":830.032,"body":"the military, away from my family,"},{"speaker":"Average Joe Finances","startTime":827.032,"endTime":830.032,"body":"and I'm at the point where as I'm"},{"speaker":"Average Joe Finances","startTime":830.032,"endTime":833.447,"body":"getting ready to transition out, I"},{"speaker":"Average Joe Finances","startTime":830.032,"endTime":833.447,"body":"want to be able to focus and have that"},{"speaker":"Average Joe Finances","startTime":833.447,"endTime":837.537,"body":"time to give back, and give back to"},{"speaker":"Average Joe Finances","startTime":833.447,"endTime":837.537,"body":"my family because they deserve that."},{"speaker":"Average Joe Finances","startTime":837.617,"endTime":838.907,"body":"Yeah, just phenomenal, man."},{"speaker":"Average Joe Finances","startTime":838.907,"endTime":845.04,"body":"So how'd you go from, starting a blog and"},{"speaker":"Average Joe Finances","startTime":838.907,"endTime":845.04,"body":"writing for a blog to publishing a book?"},{"speaker":"Average Joe Finances","startTime":845.07,"endTime":848.88,"body":"Not just any book, but a fantastic"},{"speaker":"Average Joe Finances","startTime":845.07,"endTime":848.88,"body":"book about financial independence."},{"speaker":"Average Joe Finances","startTime":849.07,"endTime":852.92,"body":"How did you link up with Brad and"},{"speaker":"Average Joe Finances","startTime":849.07,"endTime":852.92,"body":"Jonathan to put this together?"},{"speaker":"Chris Mamula","startTime":853.62,"endTime":853.68,"body":"Yeah."},{"speaker":"Chris Mamula","startTime":853.75,"endTime":857.05,"body":"I think what I've realized from"},{"speaker":"Chris Mamula","startTime":853.75,"endTime":857.05,"body":"my like almost 10 years now of"},{"speaker":"Chris Mamula","startTime":857.05,"endTime":862.24,"body":"writing is I think if I have one"},{"speaker":"Chris Mamula","startTime":857.05,"endTime":862.24,"body":"special talent is I find people way"},{"speaker":"Chris Mamula","startTime":862.24,"endTime":864.01,"body":"smarter and more talented than me."},{"speaker":"Chris Mamula","startTime":864.19,"endTime":865.6,"body":"And I find a way to latch on to them."},{"speaker":"Chris Mamula","startTime":865.6,"endTime":868.96,"body":"And it's definitely a strategy that it"},{"speaker":"Chris Mamula","startTime":865.6,"endTime":868.96,"body":"can work because it's worked for me."},{"speaker":"Chris Mamula","startTime":868.96,"endTime":872.41,"body":"But so my original blog, it was"},{"speaker":"Chris Mamula","startTime":868.96,"endTime":872.41,"body":"called eat the financial elephant."},{"speaker":"Chris Mamula","startTime":872.83,"endTime":875.59,"body":"And I just started a lot of it"},{"speaker":"Chris Mamula","startTime":872.83,"endTime":875.59,"body":"was to keep myself accountable."},{"speaker":"Chris Mamula","startTime":875.62,"endTime":877.99,"body":"And then, like I said, I just"},{"speaker":"Chris Mamula","startTime":875.62,"endTime":877.99,"body":"was hoping to build an audience"},{"speaker":"Chris Mamula","startTime":878.02,"endTime":879.765,"body":"and pay it forward a little bit."},{"speaker":"Chris Mamula","startTime":880.075,"endTime":882.135,"body":"And I wrote that for probably four years."},{"speaker":"Chris Mamula","startTime":882.195,"endTime":886.395,"body":"I had a very small audience and I just"},{"speaker":"Chris Mamula","startTime":882.195,"endTime":886.395,"body":"didn't put any time into promoting it."},{"speaker":"Chris Mamula","startTime":886.445,"endTime":888.755,"body":"Cause I was still working full-time"},{"speaker":"Chris Mamula","startTime":886.445,"endTime":888.755,"body":"and at this time we had a young"},{"speaker":"Chris Mamula","startTime":888.755,"endTime":893.125,"body":"daughter and so I was getting close"},{"speaker":"Chris Mamula","startTime":888.755,"endTime":893.125,"body":"to the point of retiring and I guess"},{"speaker":"Chris Mamula","startTime":893.125,"endTime":896.425,"body":"my first partnership actually was the"},{"speaker":"Chris Mamula","startTime":893.125,"endTime":896.425,"body":"blog now I write on, can I retire yet?"},{"speaker":"Chris Mamula","startTime":896.425,"endTime":897.595,"body":"And I was reading this blog."},{"speaker":"Chris Mamula","startTime":898.115,"endTime":901.135,"body":"And the guy who started at Darrell"},{"speaker":"Chris Mamula","startTime":898.115,"endTime":901.135,"body":"Kirkpatrick I was reading one"},{"speaker":"Chris Mamula","startTime":901.135,"endTime":903.215,"body":"of his blog posts and I just"},{"speaker":"Chris Mamula","startTime":901.135,"endTime":903.215,"body":"sensed that he was burning out"},{"speaker":"Chris Mamula","startTime":903.215,"endTime":904.385,"body":"and he had a pretty big audience."},{"speaker":"Chris Mamula","startTime":904.385,"endTime":908.465,"body":"And so I just reached out to him and I"},{"speaker":"Chris Mamula","startTime":904.385,"endTime":908.465,"body":"said, like I've been writing, I would"},{"speaker":"Chris Mamula","startTime":908.495,"endTime":910.955,"body":"be interested in reaching more people."},{"speaker":"Chris Mamula","startTime":910.955,"endTime":912.405,"body":"Would you be interested in a partner?"},{"speaker":"Chris Mamula","startTime":912.405,"endTime":913.215,"body":"And he said, yes."},{"speaker":"Chris Mamula","startTime":913.575,"endTime":918.04,"body":"And before I ever quit my job, I"},{"speaker":"Chris Mamula","startTime":913.575,"endTime":918.04,"body":"was had my first my first retirement"},{"speaker":"Chris Mamula","startTime":918.04,"endTime":919.78,"body":"job, I wind up writing on the blog."},{"speaker":"Chris Mamula","startTime":920.29,"endTime":923.98,"body":"And then I was listening to that at"},{"speaker":"Chris Mamula","startTime":920.29,"endTime":923.98,"body":"the time it was a brand new podcast."},{"speaker":"Chris Mamula","startTime":923.98,"endTime":927.13,"body":"My thought was I wanted to start"},{"speaker":"Chris Mamula","startTime":923.98,"endTime":927.13,"body":"interviewing all these people that"},{"speaker":"Chris Mamula","startTime":927.13,"endTime":931.63,"body":"influenced me and then turn that into a"},{"speaker":"Chris Mamula","startTime":927.13,"endTime":931.63,"body":"book like condensing, all the principles"},{"speaker":"Chris Mamula","startTime":931.63,"endTime":935.05,"body":"of financial independence and Brad and"},{"speaker":"Chris Mamula","startTime":931.63,"endTime":935.05,"body":"Jonathan started this choose FI podcast."},{"speaker":"Chris Mamula","startTime":935.05,"endTime":936.98,"body":"And I started listening to it"},{"speaker":"Chris Mamula","startTime":935.05,"endTime":936.98,"body":"and I was like, they're doing"},{"speaker":"Chris Mamula","startTime":936.98,"endTime":937.97,"body":"exactly what I wanted to do."},{"speaker":"Chris Mamula","startTime":937.97,"endTime":938.81,"body":"So same thing."},{"speaker":"Chris Mamula","startTime":938.81,"endTime":940.93,"body":"I just reached out to them and I"},{"speaker":"Chris Mamula","startTime":938.81,"endTime":940.93,"body":"said, I like what you're doing with"},{"speaker":"Chris Mamula","startTime":940.93,"endTime":943.63,"body":"the podcast, but what do you think"},{"speaker":"Chris Mamula","startTime":940.93,"endTime":943.63,"body":"about turning this into a book?"},{"speaker":"Chris Mamula","startTime":944.34,"endTime":946.59,"body":"And they responded again"},{"speaker":"Chris Mamula","startTime":944.34,"endTime":946.59,"body":"almost immediately."},{"speaker":"Chris Mamula","startTime":946.59,"endTime":949.37,"body":"And they said, your timing's kind of"},{"speaker":"Chris Mamula","startTime":946.59,"endTime":949.37,"body":"impeccable, but we were just talking about"},{"speaker":"Chris Mamula","startTime":949.37,"endTime":953.27,"body":"that and we would love to have a book,"},{"speaker":"Chris Mamula","startTime":949.37,"endTime":953.27,"body":"but neither of us really are writers."},{"speaker":"Chris Mamula","startTime":953.27,"endTime":954.8,"body":"And so why don't we talk?"},{"speaker":"Chris Mamula","startTime":954.8,"endTime":958.49,"body":"And so we talked and so I had my second"},{"speaker":"Chris Mamula","startTime":954.8,"endTime":958.49,"body":"job lined up before I ever was done"},{"speaker":"Chris Mamula","startTime":958.49,"endTime":960.05,"body":"with my career as a physical therapist."},{"speaker":"Chris Mamula","startTime":960.05,"endTime":961.85,"body":"So I had two writing gigs lined up."},{"speaker":"Chris Mamula","startTime":961.85,"endTime":964.61,"body":"And that's how they came about"},{"speaker":"Chris Mamula","startTime":961.85,"endTime":964.61,"body":"was just, I was a fan of both and"},{"speaker":"Chris Mamula","startTime":964.61,"endTime":967.56,"body":"just reached out organically and"},{"speaker":"Chris Mamula","startTime":964.61,"endTime":967.56,"body":"and it worked out well on both."},{"speaker":"Average Joe Finances","startTime":967.66,"endTime":969.08,"body":"Yeah,"},{"speaker":"Average Joe Finances","startTime":967.66,"endTime":969.08,"body":"that is super cool, man."},{"speaker":"Average Joe Finances","startTime":969.08,"endTime":970.13,"body":"That is super cool."},{"speaker":"Average Joe Finances","startTime":970.13,"endTime":974.88,"body":"Definitely right place, right"},{"speaker":"Average Joe Finances","startTime":970.13,"endTime":974.88,"body":"time and right attitude to have."},{"speaker":"Average Joe Finances","startTime":974.88,"endTime":979.0,"body":"It's funny because, you're describing"},{"speaker":"Average Joe Finances","startTime":974.88,"endTime":979.0,"body":"how you find people smarter"},{"speaker":"Average Joe Finances","startTime":979.0,"endTime":980.2,"body":"than you and latch onto them."},{"speaker":"Average Joe Finances","startTime":980.23,"endTime":983.62,"body":"I do the same exact thing, and"},{"speaker":"Average Joe Finances","startTime":980.23,"endTime":983.62,"body":"that is like the whole point."},{"speaker":"Average Joe Finances","startTime":984.19,"endTime":988.14,"body":"Of this podcast that I have"},{"speaker":"Average Joe Finances","startTime":984.19,"endTime":988.14,"body":"here is because, your typical"},{"speaker":"Average Joe Finances","startTime":988.14,"endTime":989.85,"body":"everyday average Joe, right?"},{"speaker":"Average Joe Finances","startTime":989.88,"endTime":994.44,"body":"Doesn't that doesn't know this stuff"},{"speaker":"Average Joe Finances","startTime":989.88,"endTime":994.44,"body":"that doesn't know where to get started"},{"speaker":"Average Joe Finances","startTime":994.44,"endTime":996.12,"body":"or how to start getting out of debt."},{"speaker":"Average Joe Finances","startTime":996.34,"endTime":1000.0,"body":"This is one of those resources"},{"speaker":"Average Joe Finances","startTime":996.34,"endTime":1000.0,"body":"that I'm trying to create for them."},{"speaker":"Average Joe Finances","startTime":1000.3,"endTime":1004.38,"body":"And I'm trying to bring on experts"},{"speaker":"Average Joe Finances","startTime":1000.3,"endTime":1004.38,"body":"like you, people that have done this or"},{"speaker":"Average Joe Finances","startTime":1004.38,"endTime":1007.86,"body":"people that are in the process of doing"},{"speaker":"Average Joe Finances","startTime":1004.38,"endTime":1007.86,"body":"this, and this is what works for them."},{"speaker":"Average Joe Finances","startTime":1008.46,"endTime":1010.08,"body":"Everyone has a different strategy."},{"speaker":"Average Joe Finances","startTime":1010.08,"endTime":1012.12,"body":"Everybody has a different way"},{"speaker":"Average Joe Finances","startTime":1010.08,"endTime":1012.12,"body":"of going about doing this."},{"speaker":"Average Joe Finances","startTime":1012.645,"endTime":1016.095,"body":"But being able to, put all of"},{"speaker":"Average Joe Finances","startTime":1012.645,"endTime":1016.095,"body":"this together and my listeners"},{"speaker":"Average Joe Finances","startTime":1016.095,"endTime":1017.235,"body":"can sit here and make a choice."},{"speaker":"Average Joe Finances","startTime":1017.265,"endTime":1018.595,"body":"Hey, I really liked this guy's story."},{"speaker":"Average Joe Finances","startTime":1018.775,"endTime":1021.855,"body":"I want to check out more about him,"},{"speaker":"Average Joe Finances","startTime":1018.775,"endTime":1021.855,"body":"learn about him, let me go read that"},{"speaker":"Average Joe Finances","startTime":1021.855,"endTime":1023.175,"body":"book that he wrote, things like."},{"speaker":"Average Joe Finances","startTime":1024.13,"endTime":1025.99,"body":"It's the whole reason"},{"speaker":"Average Joe Finances","startTime":1024.13,"endTime":1025.99,"body":"why I'm doing this, man."},{"speaker":"Average Joe Finances","startTime":1025.99,"endTime":1026.71,"body":"This is awesome."},{"speaker":"Chris Mamula","startTime":1027.1,"endTime":1027.31,"body":"Yeah."},{"speaker":"Chris Mamula","startTime":1027.31,"endTime":1029.57,"body":"And if I could just interject"},{"speaker":"Chris Mamula","startTime":1027.31,"endTime":1029.57,"body":"something, but we that was actually"},{"speaker":"Chris Mamula","startTime":1029.57,"endTime":1030.89,"body":"something we talked about in the book."},{"speaker":"Chris Mamula","startTime":1030.89,"endTime":1034.67,"body":"We talk about building a network"},{"speaker":"Chris Mamula","startTime":1030.89,"endTime":1034.67,"body":"and I joke about like latching on to"},{"speaker":"Chris Mamula","startTime":1034.67,"endTime":1035.87,"body":"people when I joke about being lucky."},{"speaker":"Chris Mamula","startTime":1035.87,"endTime":1038.21,"body":"And there, there definitely"},{"speaker":"Chris Mamula","startTime":1035.87,"endTime":1038.21,"body":"was an element of luck with the"},{"speaker":"Chris Mamula","startTime":1038.21,"endTime":1039.44,"body":"timing with both of those things."},{"speaker":"Chris Mamula","startTime":1039.86,"endTime":1043.91,"body":"But I think there is a, like a principle"},{"speaker":"Chris Mamula","startTime":1039.86,"endTime":1043.91,"body":"again, like we talk about in the book,"},{"speaker":"Chris Mamula","startTime":1043.91,"endTime":1047.12,"body":"like we look at these principles and the"},{"speaker":"Chris Mamula","startTime":1043.91,"endTime":1047.12,"body":"thing is with both of those scenarios,"},{"speaker":"Chris Mamula","startTime":1047.12,"endTime":1050.825,"body":"I looked at not  why don't you do me a"},{"speaker":"Chris Mamula","startTime":1047.12,"endTime":1050.825,"body":"favor and let me write a book with you,"},{"speaker":"Chris Mamula","startTime":1050.825,"endTime":1052.265,"body":"or why don't you give me your blog?"},{"speaker":"Chris Mamula","startTime":1052.295,"endTime":1055.655,"body":"But like I reached out and said,"},{"speaker":"Chris Mamula","startTime":1052.295,"endTime":1055.655,"body":"I sense that you're burning out."},{"speaker":"Chris Mamula","startTime":1055.685,"endTime":1056.585,"body":"Would you like a voice?"},{"speaker":"Chris Mamula","startTime":1056.585,"endTime":1058.055,"body":"Can I help you create new content?"},{"speaker":"Chris Mamula","startTime":1058.055,"endTime":1059.475,"body":"Could I help you keep this fresh."},{"speaker":"Chris Mamula","startTime":1059.495,"endTime":1060.275,"body":"Same thing with the book."},{"speaker":"Chris Mamula","startTime":1061.05,"endTime":1063.27,"body":"They had this podcast, they"},{"speaker":"Chris Mamula","startTime":1061.05,"endTime":1063.27,"body":"were growing their audience."},{"speaker":"Chris Mamula","startTime":1063.27,"endTime":1064.44,"body":"Neither of them were writers."},{"speaker":"Chris Mamula","startTime":1064.65,"endTime":1066.27,"body":"So I said, how can I add value to you?"},{"speaker":"Chris Mamula","startTime":1066.27,"endTime":1068.94,"body":"So now they have this podcast and"},{"speaker":"Chris Mamula","startTime":1066.27,"endTime":1068.94,"body":"they did have some advertising things,"},{"speaker":"Chris Mamula","startTime":1068.94,"endTime":1072.72,"body":"but how do they do anything to create"},{"speaker":"Chris Mamula","startTime":1068.94,"endTime":1072.72,"body":"something that's lasting and to monetize?"},{"speaker":"Chris Mamula","startTime":1072.96,"endTime":1076.95,"body":"And so now they have a book with their"},{"speaker":"Chris Mamula","startTime":1072.96,"endTime":1076.95,"body":"names on it, but I wrote the 90% of"},{"speaker":"Chris Mamula","startTime":1076.95,"endTime":1080.1,"body":"the book and we consulted and they"},{"speaker":"Chris Mamula","startTime":1076.95,"endTime":1080.1,"body":"gave me access to all their interviews."},{"speaker":"Chris Mamula","startTime":1080.1,"endTime":1082.38,"body":"So it was a collaboration, but"},{"speaker":"Chris Mamula","startTime":1080.1,"endTime":1082.38,"body":"they didn't actually have to"},{"speaker":"Chris Mamula","startTime":1082.38,"endTime":1083.55,"body":"sit down and write the book."},{"speaker":"Chris Mamula","startTime":1083.55,"endTime":1086.85,"body":"And so in both of those cases, I'm"},{"speaker":"Chris Mamula","startTime":1083.55,"endTime":1086.85,"body":"looking for, how can I add value?"},{"speaker":"Chris Mamula","startTime":1086.85,"endTime":1089.91,"body":"And I think that's a principle that"},{"speaker":"Chris Mamula","startTime":1086.85,"endTime":1089.91,"body":"other people, If you're looking for,"},{"speaker":"Chris Mamula","startTime":1089.91,"endTime":1092.13,"body":"how can somebody help me then you're"},{"speaker":"Chris Mamula","startTime":1089.91,"endTime":1092.13,"body":"going to probably get a whole lot of"},{"speaker":"Chris Mamula","startTime":1092.13,"endTime":1095.79,"body":"nos, but you might be surprised what"},{"speaker":"Chris Mamula","startTime":1092.13,"endTime":1095.79,"body":"yes's you get when you're looking at it"},{"speaker":"Chris Mamula","startTime":1095.79,"endTime":1097.17,"body":"and presenting it as, how can I help?"},{"speaker":"Average Joe Finances","startTime":1097.96,"endTime":1099.92,"body":"You're showing that"},{"speaker":"Average Joe Finances","startTime":1097.96,"endTime":1099.92,"body":"you're bringing something to the table."},{"speaker":"Average Joe Finances","startTime":1100.2,"endTime":1101.52,"body":"You got skin in the game here."},{"speaker":"Average Joe Finances","startTime":1101.52,"endTime":1103.5,"body":"It's not just a, all about me."},{"speaker":"Average Joe Finances","startTime":1103.5,"endTime":1104.67,"body":"It's what can I do for you?"},{"speaker":"Average Joe Finances","startTime":1105.24,"endTime":1107.88,"body":"I had this conversation with"},{"speaker":"Average Joe Finances","startTime":1105.24,"endTime":1107.88,"body":"one of my guests on how he"},{"speaker":"Average Joe Finances","startTime":1107.88,"endTime":1109.44,"body":"built his real estate team."},{"speaker":"Average Joe Finances","startTime":1109.89,"endTime":1113.44,"body":"And he was telling me the story"},{"speaker":"Average Joe Finances","startTime":1109.89,"endTime":1113.44,"body":"about how one guy just approached"},{"speaker":"Average Joe Finances","startTime":1113.44,"endTime":1117.28,"body":"him at a baseball game and said,"},{"speaker":"Average Joe Finances","startTime":1113.44,"endTime":1117.28,"body":"Hey, I'm interested in real estate."},{"speaker":"Average Joe Finances","startTime":1117.28,"endTime":1121.14,"body":"And I can do this and that, what can"},{"speaker":"Average Joe Finances","startTime":1117.28,"endTime":1121.14,"body":"I do to help you, grow your business."},{"speaker":"Average Joe Finances","startTime":1121.5,"endTime":1124.08,"body":"And just by him asking that"},{"speaker":"Average Joe Finances","startTime":1121.5,"endTime":1124.08,"body":"question, he's like, wow."},{"speaker":"Average Joe Finances","startTime":1124.11,"endTime":1127.42,"body":"So you just, you want to come over here"},{"speaker":"Average Joe Finances","startTime":1124.11,"endTime":1127.42,"body":"and help me, that's pretty awesome."},{"speaker":"Average Joe Finances","startTime":1127.42,"endTime":1127.69,"body":"Sure."},{"speaker":"Average Joe Finances","startTime":1127.69,"endTime":1128.41,"body":"Let's do this."},{"speaker":"Average Joe Finances","startTime":1128.8,"endTime":1133.48,"body":"Having that type of attitude of"},{"speaker":"Average Joe Finances","startTime":1128.8,"endTime":1133.48,"body":"wanting to, I guess give more than"},{"speaker":"Average Joe Finances","startTime":1133.48,"endTime":1138.08,"body":"you receive, you'll receive so much"},{"speaker":"Average Joe Finances","startTime":1133.48,"endTime":1138.08,"body":"more in abundance because, people"},{"speaker":"Average Joe Finances","startTime":1138.08,"endTime":1140.57,"body":"usually don't turn your way if you're"},{"speaker":"Average Joe Finances","startTime":1138.08,"endTime":1140.57,"body":"saying that you're here to help."},{"speaker":"Average Joe Finances","startTime":1141.02,"endTime":1141.35,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1141.4,"endTime":1143.14,"body":"Great attitude and"},{"speaker":"Average Joe Finances","startTime":1141.4,"endTime":1143.14,"body":"great mentality to have."},{"speaker":"Average Joe Finances","startTime":1143.19,"endTime":1143.46,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":1143.46,"endTime":1147.529,"body":"So speaking of approaching somebody"},{"speaker":"Average Joe Finances","startTime":1143.46,"endTime":1147.529,"body":"that needs help and things like that."},{"speaker":"Average Joe Finances","startTime":1147.959,"endTime":1152.799,"body":"Throughout your time, building what"},{"speaker":"Average Joe Finances","startTime":1147.959,"endTime":1152.799,"body":"you've built right now with, from"},{"speaker":"Average Joe Finances","startTime":1152.889,"endTime":1157.749,"body":"reaching financial independence and"},{"speaker":"Average Joe Finances","startTime":1152.889,"endTime":1157.749,"body":"retiring to, writing the book, to"},{"speaker":"Average Joe Finances","startTime":1157.749,"endTime":1161.319,"body":"writing on the blog, to just everything"},{"speaker":"Average Joe Finances","startTime":1157.749,"endTime":1161.319,"body":"that you've been doing, what would"},{"speaker":"Average Joe Finances","startTime":1161.319,"endTime":1167.007,"body":"you say that you enjoy the most, or"},{"speaker":"Average Joe Finances","startTime":1161.319,"endTime":1167.007,"body":"have enjoyed the most on your journey."},{"speaker":"Chris Mamula","startTime":1167.017,"endTime":1168.577,"body":"I think I've"},{"speaker":"Chris Mamula","startTime":1167.017,"endTime":1168.577,"body":"really enjoyed the whole journey."},{"speaker":"Chris Mamula","startTime":1168.607,"endTime":1172.477,"body":"And like I said so for my wife and I we"},{"speaker":"Chris Mamula","startTime":1168.607,"endTime":1172.477,"body":"had no idea what we were doing early on."},{"speaker":"Chris Mamula","startTime":1172.687,"endTime":1174.307,"body":"And in some ways that was a curse."},{"speaker":"Chris Mamula","startTime":1174.307,"endTime":1177.487,"body":"Cause we talked about like that"},{"speaker":"Chris Mamula","startTime":1174.307,"endTime":1177.487,"body":"$20,000 a year mistakes we were making."},{"speaker":"Chris Mamula","startTime":1177.827,"endTime":1181.234,"body":"But on the other hand, I think it was a"},{"speaker":"Chris Mamula","startTime":1177.827,"endTime":1181.234,"body":"blessing in that I think some people now,"},{"speaker":"Chris Mamula","startTime":1181.234,"endTime":1185.324,"body":"because fire is this thing, that's it gets"},{"speaker":"Chris Mamula","startTime":1181.234,"endTime":1185.324,"body":"some exposure and there's a lot of these"},{"speaker":"Chris Mamula","startTime":1185.324,"endTime":1187.364,"body":"bigger bloggers and podcasts out there."},{"speaker":"Chris Mamula","startTime":1187.544,"endTime":1188.644,"body":"And so people are finding it early."},{"speaker":"Chris Mamula","startTime":1189.314,"endTime":1191.234,"body":"But I think people do get fixated on this."},{"speaker":"Chris Mamula","startTime":1191.264,"endTime":1192.644,"body":"It's all about this destination."},{"speaker":"Chris Mamula","startTime":1192.644,"endTime":1194.054,"body":"I need to get to financial independence."},{"speaker":"Chris Mamula","startTime":1194.054,"endTime":1197.324,"body":"I need to get to early retirement"},{"speaker":"Chris Mamula","startTime":1194.054,"endTime":1197.324,"body":"and then I'll be happy because we"},{"speaker":"Chris Mamula","startTime":1197.324,"endTime":1198.644,"body":"didn't really think that was possible."},{"speaker":"Chris Mamula","startTime":1198.644,"endTime":1200.384,"body":"We were really enjoying"},{"speaker":"Chris Mamula","startTime":1198.644,"endTime":1200.384,"body":"our life the whole way."},{"speaker":"Chris Mamula","startTime":1200.384,"endTime":1204.584,"body":"So we basically, we built a lifestyle that"},{"speaker":"Chris Mamula","startTime":1200.384,"endTime":1204.584,"body":"we could afford off of my wife's income."},{"speaker":"Chris Mamula","startTime":1204.584,"endTime":1206.834,"body":"So we bought way less"},{"speaker":"Chris Mamula","startTime":1204.584,"endTime":1206.834,"body":"house than we could afford."},{"speaker":"Chris Mamula","startTime":1207.044,"endTime":1209.474,"body":"We bought way less cars than we"},{"speaker":"Chris Mamula","startTime":1207.044,"endTime":1209.474,"body":"can again, quote, unquote, afford"},{"speaker":"Chris Mamula","startTime":1209.474,"endTime":1210.494,"body":"like most people do it through."},{"speaker":"Chris Mamula","startTime":1210.979,"endTime":1213.649,"body":"Finance taking the biggest mortgages"},{"speaker":"Chris Mamula","startTime":1210.979,"endTime":1213.649,"body":"they can taking car payments."},{"speaker":"Chris Mamula","startTime":1213.649,"endTime":1214.999,"body":"And we never did either of those things."},{"speaker":"Chris Mamula","startTime":1215.209,"endTime":1218.739,"body":"So we just basically got the big"},{"speaker":"Chris Mamula","startTime":1215.209,"endTime":1218.739,"body":"things, and then I say, we save 50%."},{"speaker":"Chris Mamula","startTime":1218.739,"endTime":1222.259,"body":"We lived off one salary and we"},{"speaker":"Chris Mamula","startTime":1218.739,"endTime":1222.259,"body":"spent the other, but that's probably"},{"speaker":"Chris Mamula","startTime":1222.259,"endTime":1224.079,"body":"not really true really true."},{"speaker":"Chris Mamula","startTime":1224.079,"endTime":1227.139,"body":"Like some years we actually saved"},{"speaker":"Chris Mamula","startTime":1224.079,"endTime":1227.139,"body":"a substantial portion of mine."},{"speaker":"Chris Mamula","startTime":1227.139,"endTime":1231.119,"body":"Cause we got into backpacking and"},{"speaker":"Chris Mamula","startTime":1227.139,"endTime":1231.119,"body":"hiking and camping and rock climbing."},{"speaker":"Chris Mamula","startTime":1231.329,"endTime":1233.069,"body":"And so we didn't have"},{"speaker":"Chris Mamula","startTime":1231.329,"endTime":1233.069,"body":"super expensive hobbies."},{"speaker":"Chris Mamula","startTime":1233.069,"endTime":1235.709,"body":"So some years we just did local"},{"speaker":"Chris Mamula","startTime":1233.069,"endTime":1235.709,"body":"things and we saved even more."},{"speaker":"Chris Mamula","startTime":1235.979,"endTime":1239.399,"body":"And yet other years, like we've been"},{"speaker":"Chris Mamula","startTime":1235.979,"endTime":1239.399,"body":"to Africa, we climb Mount Kilimanjaro."},{"speaker":"Chris Mamula","startTime":1239.399,"endTime":1241.709,"body":"We've been to Australia and"},{"speaker":"Chris Mamula","startTime":1239.399,"endTime":1241.709,"body":"we dove the barrier reef."},{"speaker":"Chris Mamula","startTime":1241.709,"endTime":1243.449,"body":"Like we're very"},{"speaker":"Chris Mamula","startTime":1241.709,"endTime":1243.449,"body":"adventuresome we've traveled."},{"speaker":"Chris Mamula","startTime":1243.749,"endTime":1245.459,"body":"And so the things that were"},{"speaker":"Chris Mamula","startTime":1243.749,"endTime":1245.459,"body":"really important, we've"},{"speaker":"Chris Mamula","startTime":1245.459,"endTime":1246.419,"body":"been doing the whole time."},{"speaker":"Chris Mamula","startTime":1246.419,"endTime":1247.379,"body":"So it was never."},{"speaker":"Chris Mamula","startTime":1247.994,"endTime":1249.674,"body":"And again, I think part"},{"speaker":"Chris Mamula","startTime":1247.994,"endTime":1249.674,"body":"of that is just luck."},{"speaker":"Chris Mamula","startTime":1249.704,"endTime":1253.334,"body":"Like we didn't have a goal, so we"},{"speaker":"Chris Mamula","startTime":1249.704,"endTime":1253.334,"body":"weren't like set on we need to save as"},{"speaker":"Chris Mamula","startTime":1253.334,"endTime":1254.714,"body":"much as we can to get to this point."},{"speaker":"Chris Mamula","startTime":1254.714,"endTime":1258.314,"body":"We were just living our lives and because"},{"speaker":"Chris Mamula","startTime":1254.714,"endTime":1258.314,"body":"we got the structural, basic things,"},{"speaker":"Chris Mamula","startTime":1258.314,"endTime":1259.484,"body":"we were enjoying it the whole time."},{"speaker":"Chris Mamula","startTime":1259.484,"endTime":1261.224,"body":"So yeah, I would say we"},{"speaker":"Chris Mamula","startTime":1259.484,"endTime":1261.224,"body":"enjoyed the whole journey."},{"speaker":"Average Joe Finances","startTime":1261.554,"endTime":1262.514,"body":"Yeah, that's awesome."},{"speaker":"Average Joe Finances","startTime":1262.564,"endTime":1264.934,"body":"So it's not even like"},{"speaker":"Average Joe Finances","startTime":1262.564,"endTime":1264.934,"body":"one particular thing."},{"speaker":"Average Joe Finances","startTime":1264.934,"endTime":1268.744,"body":"Just being able to live the life"},{"speaker":"Average Joe Finances","startTime":1264.934,"endTime":1268.744,"body":"that you've lived is just the entire"},{"speaker":"Average Joe Finances","startTime":1268.744,"endTime":1270.064,"body":"thing, which has been super enjoyable."},{"speaker":"Average Joe Finances","startTime":1270.064,"endTime":1271.254,"body":"So that's fantastic."},{"speaker":"Average Joe Finances","startTime":1271.314,"endTime":1271.764,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":1272.094,"endTime":1277.554,"body":"How can someone with a regular nine"},{"speaker":"Average Joe Finances","startTime":1272.094,"endTime":1277.554,"body":"to five job build wealth quickly"},{"speaker":"Average Joe Finances","startTime":1277.554,"endTime":1279.684,"body":"to achieve financial independence?"},{"speaker":"Average Joe Finances","startTime":1279.804,"endTime":1281.394,"body":"Let's say in the next 10 to 20 years."},{"speaker":"Chris Mamula","startTime":1281.82,"endTime":1282.0,"body":"Yeah."},{"speaker":"Chris Mamula","startTime":1282.0,"endTime":1285.48,"body":"I think the first step that I"},{"speaker":"Chris Mamula","startTime":1282.0,"endTime":1285.48,"body":"tell everybody to do is you have"},{"speaker":"Chris Mamula","startTime":1285.48,"endTime":1286.98,"body":"to know where your money's going."},{"speaker":"Chris Mamula","startTime":1287.37,"endTime":1291.29,"body":"And it's really, it's so in our society"},{"speaker":"Chris Mamula","startTime":1287.37,"endTime":1291.29,"body":"we have most people don't save anything."},{"speaker":"Chris Mamula","startTime":1291.68,"endTime":1293.6,"body":"And I think a lot of people are unhealthy."},{"speaker":"Chris Mamula","startTime":1293.6,"endTime":1296.15,"body":"They are overweight and both"},{"speaker":"Chris Mamula","startTime":1293.6,"endTime":1296.15,"body":"of those are very similar."},{"speaker":"Chris Mamula","startTime":1296.15,"endTime":1297.92,"body":"It's the very first step is hard."},{"speaker":"Chris Mamula","startTime":1297.92,"endTime":1299.65,"body":"It's hard to step on the scale"},{"speaker":"Chris Mamula","startTime":1297.92,"endTime":1299.65,"body":"and see how much you weigh."},{"speaker":"Chris Mamula","startTime":1299.65,"endTime":1303.46,"body":"It's hard to break down and look at"},{"speaker":"Chris Mamula","startTime":1299.65,"endTime":1303.46,"body":"where your money's going how much debt"},{"speaker":"Chris Mamula","startTime":1303.51,"endTime":1304.93,"body":"you have or how much assets do you have?"},{"speaker":"Chris Mamula","startTime":1304.93,"endTime":1305.65,"body":"Like where are you?"},{"speaker":"Chris Mamula","startTime":1305.86,"endTime":1309.64,"body":"So I think you need to be honest with"},{"speaker":"Chris Mamula","startTime":1305.86,"endTime":1309.64,"body":"yourself and don't judge yourself."},{"speaker":"Chris Mamula","startTime":1309.64,"endTime":1311.42,"body":"It's not this, isn't the"},{"speaker":"Chris Mamula","startTime":1309.64,"endTime":1311.42,"body":"sign of, who you are."},{"speaker":"Chris Mamula","startTime":1311.42,"endTime":1312.5,"body":"It's just, it's where you are."},{"speaker":"Chris Mamula","startTime":1312.74,"endTime":1315.08,"body":"And it's hard to make"},{"speaker":"Chris Mamula","startTime":1312.74,"endTime":1315.08,"body":"progress if you're not honest."},{"speaker":"Chris Mamula","startTime":1315.08,"endTime":1316.4,"body":"And if you don't know"},{"speaker":"Chris Mamula","startTime":1315.08,"endTime":1316.4,"body":"where you're starting."},{"speaker":"Chris Mamula","startTime":1316.73,"endTime":1321.105,"body":"So I think that's the first step is just"},{"speaker":"Chris Mamula","startTime":1316.73,"endTime":1321.105,"body":"breaking everything down, whether you"},{"speaker":"Chris Mamula","startTime":1321.105,"endTime":1325.725,"body":"use like a mint or some kind of budgeting"},{"speaker":"Chris Mamula","startTime":1321.105,"endTime":1325.725,"body":"thing, or you just use a pencil and paper"},{"speaker":"Chris Mamula","startTime":1325.725,"endTime":1327.165,"body":"or a spreadsheet, whatever works for you."},{"speaker":"Chris Mamula","startTime":1327.465,"endTime":1328.785,"body":"But I think you have to start there."},{"speaker":"Chris Mamula","startTime":1328.785,"endTime":1330.165,"body":"I think that's the first step."},{"speaker":"Chris Mamula","startTime":1330.645,"endTime":1333.555,"body":"And then once you do that, and you"},{"speaker":"Chris Mamula","startTime":1330.645,"endTime":1333.555,"body":"can be honest with yourself, then it's"},{"speaker":"Chris Mamula","startTime":1333.555,"endTime":1335.025,"body":"just a matter of developing a strategy."},{"speaker":"Chris Mamula","startTime":1335.025,"endTime":1338.775,"body":"So we talked about for my wife and I, it"},{"speaker":"Chris Mamula","startTime":1335.025,"endTime":1338.775,"body":"was relatively easy to save because we"},{"speaker":"Chris Mamula","startTime":1338.775,"endTime":1342.165,"body":"were used to, we grew up not having like"},{"speaker":"Chris Mamula","startTime":1338.775,"endTime":1342.165,"body":"super fancy vacations and fancy cars."},{"speaker":"Chris Mamula","startTime":1342.68,"endTime":1345.35,"body":"So when we had two professional"},{"speaker":"Chris Mamula","startTime":1342.68,"endTime":1345.35,"body":"incomes, we just saved one and"},{"speaker":"Chris Mamula","startTime":1345.35,"endTime":1348.2,"body":"we still lived as well or better"},{"speaker":"Chris Mamula","startTime":1345.35,"endTime":1348.2,"body":"than we did as kids growing up."},{"speaker":"Chris Mamula","startTime":1348.65,"endTime":1351.02,"body":"And so it was easy for us, but"},{"speaker":"Chris Mamula","startTime":1348.65,"endTime":1351.02,"body":"for a lot of people it's not easy."},{"speaker":"Chris Mamula","startTime":1351.02,"endTime":1353.48,"body":"Maybe you live in a high"},{"speaker":"Chris Mamula","startTime":1351.02,"endTime":1353.48,"body":"cost of living area."},{"speaker":"Chris Mamula","startTime":1353.48,"endTime":1355.34,"body":"Maybe you do have big student debts."},{"speaker":"Chris Mamula","startTime":1355.37,"endTime":1357.17,"body":"Maybe you have a bigger family, whatever."},{"speaker":"Chris Mamula","startTime":1357.56,"endTime":1360.77,"body":"And so when we break down in the"},{"speaker":"Chris Mamula","startTime":1357.56,"endTime":1360.77,"body":"book is, yeah, so this works fine."},{"speaker":"Chris Mamula","startTime":1360.77,"endTime":1364.18,"body":"If you can save a big percentage of"},{"speaker":"Chris Mamula","startTime":1360.77,"endTime":1364.18,"body":"your income, you do what we call the"},{"speaker":"Chris Mamula","startTime":1364.18,"endTime":1366.97,"body":"simple path where you're just investing"},{"speaker":"Chris Mamula","startTime":1364.18,"endTime":1366.97,"body":"in index funds and it's really easy,"},{"speaker":"Chris Mamula","startTime":1367.27,"endTime":1368.56,"body":"but for some people they can't do that."},{"speaker":"Chris Mamula","startTime":1368.56,"endTime":1371.89,"body":"So if that doesn't work, that's"},{"speaker":"Chris Mamula","startTime":1368.56,"endTime":1371.89,"body":"not going to get you to your goals."},{"speaker":"Chris Mamula","startTime":1372.16,"endTime":1374.29,"body":"Then there's other investing"},{"speaker":"Chris Mamula","startTime":1372.16,"endTime":1374.29,"body":"paths that you have to consider."},{"speaker":"Chris Mamula","startTime":1374.29,"endTime":1376.13,"body":"Again, like we call it, we"},{"speaker":"Chris Mamula","startTime":1374.29,"endTime":1376.13,"body":"break it down into three."},{"speaker":"Chris Mamula","startTime":1376.13,"endTime":1378.71,"body":"We call it the simple path,"},{"speaker":"Chris Mamula","startTime":1376.13,"endTime":1378.71,"body":"meaning just investing in index"},{"speaker":"Chris Mamula","startTime":1378.71,"endTime":1380.09,"body":"funds with a high savings rate."},{"speaker":"Chris Mamula","startTime":1380.49,"endTime":1382.29,"body":"The second path is the active path."},{"speaker":"Chris Mamula","startTime":1382.29,"endTime":1385.06,"body":"Meaning basically you're starting"},{"speaker":"Chris Mamula","startTime":1382.29,"endTime":1385.06,"body":"your own business and you maybe it's"},{"speaker":"Chris Mamula","startTime":1385.06,"endTime":1388.57,"body":"a whole heck of a lot of work to begin"},{"speaker":"Chris Mamula","startTime":1385.06,"endTime":1388.57,"body":"with, but then you start hiring things"},{"speaker":"Chris Mamula","startTime":1388.57,"endTime":1392.29,"body":"out and scaling that down and it lets"},{"speaker":"Chris Mamula","startTime":1388.57,"endTime":1392.29,"body":"you have a greater rate of return."},{"speaker":"Chris Mamula","startTime":1392.6,"endTime":1394.32,"body":"And then you're scaling that up that way."},{"speaker":"Chris Mamula","startTime":1394.5,"endTime":1396.3,"body":"And then the third is the hybrid"},{"speaker":"Chris Mamula","startTime":1394.5,"endTime":1396.3,"body":"path, which is what I know you'd"},{"speaker":"Chris Mamula","startTime":1396.3,"endTime":1397.71,"body":"like to talk about is real estate."},{"speaker":"Chris Mamula","startTime":1398.01,"endTime":1399.15,"body":"And it has elements of."},{"speaker":"Chris Mamula","startTime":1399.8,"endTime":1403.42,"body":"The the simple path where you have"},{"speaker":"Chris Mamula","startTime":1399.8,"endTime":1403.42,"body":"reliable, whether it's rent, income"},{"speaker":"Chris Mamula","startTime":1403.87,"endTime":1406.72,"body":"and appreciation, and you have"},{"speaker":"Chris Mamula","startTime":1403.87,"endTime":1406.72,"body":"those things that are reliable, but"},{"speaker":"Chris Mamula","startTime":1406.72,"endTime":1409.54,"body":"then you also have that active path"},{"speaker":"Chris Mamula","startTime":1406.72,"endTime":1409.54,"body":"where you can find a good deal."},{"speaker":"Chris Mamula","startTime":1409.54,"endTime":1412.33,"body":"You can put sweat equity into"},{"speaker":"Chris Mamula","startTime":1409.54,"endTime":1412.33,"body":"improving a property, things like that."},{"speaker":"Chris Mamula","startTime":1412.6,"endTime":1413.56,"body":"And so it's that hybrid path."},{"speaker":"Chris Mamula","startTime":1413.56,"endTime":1417.28,"body":"And so I don't think there's one"},{"speaker":"Chris Mamula","startTime":1413.56,"endTime":1417.28,"body":"size fits all approach for everybody."},{"speaker":"Chris Mamula","startTime":1417.28,"endTime":1420.59,"body":"So it's just matching up your"},{"speaker":"Chris Mamula","startTime":1417.28,"endTime":1420.59,"body":"goals, interests with your"},{"speaker":"Chris Mamula","startTime":1420.59,"endTime":1421.85,"body":"means and your abilities."},{"speaker":"Average Joe Finances","startTime":1422.173,"endTime":1422.863,"body":"Yeah, absolutely."},{"speaker":"Average Joe Finances","startTime":1422.863,"endTime":1423.283,"body":"I agree."},{"speaker":"Average Joe Finances","startTime":1423.283,"endTime":1426.223,"body":"That, that is like the, what we"},{"speaker":"Average Joe Finances","startTime":1423.283,"endTime":1426.223,"body":"were talking about earlier, how"},{"speaker":"Average Joe Finances","startTime":1426.223,"endTime":1430.243,"body":"everyone has different strategies and"},{"speaker":"Average Joe Finances","startTime":1426.223,"endTime":1430.243,"body":"different ways to go about doing this."},{"speaker":"Average Joe Finances","startTime":1430.523,"endTime":1434.603,"body":"And I liked that those three paths,"},{"speaker":"Average Joe Finances","startTime":1430.523,"endTime":1434.603,"body":"simple path, active path and hybrid path."},{"speaker":"Average Joe Finances","startTime":1434.603,"endTime":1435.563,"body":"I wrote all that down."},{"speaker":"Average Joe Finances","startTime":1435.563,"endTime":1437.213,"body":"I think that's fantastic information."},{"speaker":"Average Joe Finances","startTime":1437.603,"endTime":1439.563,"body":"And I like to think of myself."},{"speaker":"Average Joe Finances","startTime":1439.563,"endTime":1442.443,"body":"I'm probably in that third"},{"speaker":"Average Joe Finances","startTime":1439.563,"endTime":1442.443,"body":"category doing the hybrid path."},{"speaker":"Average Joe Finances","startTime":1443.158,"endTime":1445.358,"body":"Cause I invest in index funds as well."},{"speaker":"Average Joe Finances","startTime":1445.358,"endTime":1448.758,"body":"And I've got a lot of dividend paying"},{"speaker":"Average Joe Finances","startTime":1445.358,"endTime":1448.758,"body":"accounts and REITs and stuff that I"},{"speaker":"Average Joe Finances","startTime":1448.758,"endTime":1450.528,"body":"really liked, but I also like real estate."},{"speaker":"Average Joe Finances","startTime":1450.838,"endTime":1452.241,"body":"I also like my business."},{"speaker":"Average Joe Finances","startTime":1452.241,"endTime":1456.501,"body":"I treat my podcast as a business and I"},{"speaker":"Average Joe Finances","startTime":1452.241,"endTime":1456.501,"body":"also have a podcast editing service and"},{"speaker":"Average Joe Finances","startTime":1456.831,"endTime":1458.841,"body":"all those things it's just super fun."},{"speaker":"Average Joe Finances","startTime":1459.121,"endTime":1461.161,"body":"And I enjoy doing those things."},{"speaker":"Average Joe Finances","startTime":1461.161,"endTime":1463.141,"body":"So I think that's another"},{"speaker":"Average Joe Finances","startTime":1461.161,"endTime":1463.141,"body":"thing that's important to you."},{"speaker":"Average Joe Finances","startTime":1463.901,"endTime":1466.066,"body":"Cause if your going to involve"},{"speaker":"Average Joe Finances","startTime":1463.901,"endTime":1466.066,"body":"yourself into a business."},{"speaker":"Average Joe Finances","startTime":1466.066,"endTime":1471.766,"body":"If you're doing like the hybrid route or"},{"speaker":"Average Joe Finances","startTime":1466.066,"endTime":1471.766,"body":"the active route, you should really enjoy"},{"speaker":"Average Joe Finances","startTime":1471.796,"endTime":1475.246,"body":"what you're doing and not make it so it's"},{"speaker":"Average Joe Finances","startTime":1471.796,"endTime":1475.246,"body":"so taxing on yourself because if you're"},{"speaker":"Average Joe Finances","startTime":1475.246,"endTime":1478.426,"body":"not enjoying it and you putting in all"},{"speaker":"Average Joe Finances","startTime":1475.246,"endTime":1478.426,"body":"this work, then it really feels like work."},{"speaker":"Average Joe Finances","startTime":1478.426,"endTime":1481.246,"body":"But if it's something you enjoy doing,"},{"speaker":"Average Joe Finances","startTime":1478.426,"endTime":1481.246,"body":"it doesn't even feel like we're, it's"},{"speaker":"Average Joe Finances","startTime":1481.246,"endTime":1482.716,"body":"going to feel more passive that way."},{"speaker":"Chris Mamula","startTime":1483.256,"endTime":1483.766,"body":"Yeah, for sure."},{"speaker":"Chris Mamula","startTime":1483.766,"endTime":1486.286,"body":"And one other thing I would"},{"speaker":"Chris Mamula","startTime":1483.766,"endTime":1486.286,"body":"emphasize, like those three paths,"},{"speaker":"Chris Mamula","startTime":1486.326,"endTime":1487.846,"body":"they're not mutually exclusive."},{"speaker":"Chris Mamula","startTime":1487.846,"endTime":1491.476,"body":"So like for my wife and I, when we were"},{"speaker":"Chris Mamula","startTime":1487.846,"endTime":1491.476,"body":"working full time, we had careers, we"},{"speaker":"Chris Mamula","startTime":1491.476,"endTime":1496.096,"body":"were able to focus on just index funds"},{"speaker":"Chris Mamula","startTime":1491.476,"endTime":1496.096,"body":"and simple things that are going to grow."},{"speaker":"Chris Mamula","startTime":1496.306,"endTime":1498.436,"body":"But as we got to that point"},{"speaker":"Chris Mamula","startTime":1496.306,"endTime":1498.436,"body":"where now we can't save any more,"},{"speaker":"Chris Mamula","startTime":1498.436,"endTime":1499.846,"body":"but we're natural savers and."},{"speaker":"Chris Mamula","startTime":1500.881,"endTime":1504.631,"body":"When you're saving 50% and then people"},{"speaker":"Chris Mamula","startTime":1500.881,"endTime":1504.631,"body":"think it's like, you can just flip the"},{"speaker":"Chris Mamula","startTime":1504.641,"endTime":1507.421,"body":"switch where you're like, you're going"},{"speaker":"Chris Mamula","startTime":1504.641,"endTime":1507.421,"body":"90 miles an hour on the road, then"},{"speaker":"Chris Mamula","startTime":1507.421,"endTime":1508.981,"body":"you just stop and slam it in reverse."},{"speaker":"Chris Mamula","startTime":1509.251,"endTime":1511.991,"body":"And like now you're spending down"},{"speaker":"Chris Mamula","startTime":1509.251,"endTime":1511.991,"body":"your assets and it's terrifying"},{"speaker":"Chris Mamula","startTime":1511.991,"endTime":1513.161,"body":"for your unnatural saver."},{"speaker":"Chris Mamula","startTime":1513.491,"endTime":1514.301,"body":"And it was for us."},{"speaker":"Chris Mamula","startTime":1514.301,"endTime":1516.161,"body":"And it's a lot of my"},{"speaker":"Chris Mamula","startTime":1514.301,"endTime":1516.161,"body":"readers who I talked to."},{"speaker":"Chris Mamula","startTime":1516.161,"endTime":1517.151,"body":"They have the same problem."},{"speaker":"Chris Mamula","startTime":1517.151,"endTime":1520.961,"body":"So now, like we're able to, so"},{"speaker":"Chris Mamula","startTime":1517.151,"endTime":1520.961,"body":"I'm using my writing as a kind"},{"speaker":"Chris Mamula","startTime":1520.961,"endTime":1522.191,"body":"of taken that more active path."},{"speaker":"Chris Mamula","startTime":1522.611,"endTime":1525.951,"body":"And so we're creating another income"},{"speaker":"Chris Mamula","startTime":1522.611,"endTime":1525.951,"body":"stream off of that in retirement."},{"speaker":"Chris Mamula","startTime":1525.951,"endTime":1527.031,"body":"And the beautiful thing is."},{"speaker":"Chris Mamula","startTime":1527.601,"endTime":1528.021,"body":"You don't."},{"speaker":"Chris Mamula","startTime":1528.071,"endTime":1531.131,"body":"If so we have a paid off house,"},{"speaker":"Chris Mamula","startTime":1528.071,"endTime":1531.131,"body":"we don't, we have paid off cars."},{"speaker":"Chris Mamula","startTime":1531.281,"endTime":1532.091,"body":"We live in the area."},{"speaker":"Chris Mamula","startTime":1532.091,"endTime":1534.641,"body":"We want, we don't have to spend a"},{"speaker":"Chris Mamula","startTime":1532.091,"endTime":1534.641,"body":"lot of money to do fancy vacations."},{"speaker":"Chris Mamula","startTime":1534.641,"endTime":1536.531,"body":"Cause we ski 50, 60 days a year."},{"speaker":"Chris Mamula","startTime":1536.531,"endTime":1537.971,"body":"Cause we live in the mountains of Utah."},{"speaker":"Chris Mamula","startTime":1538.271,"endTime":1540.551,"body":"Like we have hiking and biking"},{"speaker":"Chris Mamula","startTime":1538.271,"endTime":1540.551,"body":"trails right behind our house."},{"speaker":"Chris Mamula","startTime":1540.551,"endTime":1542.261,"body":"It just, our lifestyle"},{"speaker":"Chris Mamula","startTime":1540.551,"endTime":1542.261,"body":"just doesn't cost a lot."},{"speaker":"Chris Mamula","startTime":1542.261,"endTime":1544.971,"body":"So even if you can make, just a couple"},{"speaker":"Chris Mamula","startTime":1542.261,"endTime":1544.971,"body":"thousand dollars a month, it takes"},{"speaker":"Chris Mamula","startTime":1544.971,"endTime":1546.531,"body":"a lot of stress off your portfolio."},{"speaker":"Chris Mamula","startTime":1546.921,"endTime":1549.391,"body":"And so that's we're branching"},{"speaker":"Chris Mamula","startTime":1546.921,"endTime":1549.391,"body":"out in that way and we've kicked"},{"speaker":"Chris Mamula","startTime":1549.391,"endTime":1550.591,"body":"around real estate, but it just."},{"speaker":"Chris Mamula","startTime":1550.866,"endTime":1554.016,"body":"It's easy to go down 50 pounds and"},{"speaker":"Chris Mamula","startTime":1550.866,"endTime":1554.016,"body":"you don't have to do everything."},{"speaker":"Chris Mamula","startTime":1554.236,"endTime":1555.466,"body":"But you can certainly do more than one."},{"speaker":"Chris Mamula","startTime":1555.466,"endTime":1557.716,"body":"Just finding again what fits"},{"speaker":"Chris Mamula","startTime":1555.466,"endTime":1557.716,"body":"for what you need and what you"},{"speaker":"Chris Mamula","startTime":1557.716,"endTime":1558.616,"body":"want to do and what you like."},{"speaker":"Average Joe Finances","startTime":1559.336,"endTime":1559.906,"body":"Absolutely."},{"speaker":"Average Joe Finances","startTime":1559.936,"endTime":1560.146,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1560.146,"endTime":1560.656,"body":"I love that."},{"speaker":"Average Joe Finances","startTime":1560.656,"endTime":1561.556,"body":"That's fantastic."},{"speaker":"Average Joe Finances","startTime":1561.886,"endTime":1562.216,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":1562.216,"endTime":1565.196,"body":"I want to talk about as you've"},{"speaker":"Average Joe Finances","startTime":1562.216,"endTime":1565.196,"body":"gone along in this no matter where"},{"speaker":"Average Joe Finances","startTime":1565.196,"endTime":1568.436,"body":"you invest or what path you take,"},{"speaker":"Average Joe Finances","startTime":1565.196,"endTime":1568.436,"body":"there's always risk involved."},{"speaker":"Average Joe Finances","startTime":1568.466,"endTime":1570.656,"body":"So I want to talk about that a little bit."},{"speaker":"Average Joe Finances","startTime":1570.656,"endTime":1574.826,"body":"So how did you and your wife like"},{"speaker":"Average Joe Finances","startTime":1570.656,"endTime":1574.826,"body":"manage risk, especially as you"},{"speaker":"Average Joe Finances","startTime":1574.826,"endTime":1576.416,"body":"were getting closer to retirement?"},{"speaker":"Average Joe Finances","startTime":1576.416,"endTime":1578.066,"body":"This is, that's what"},{"speaker":"Average Joe Finances","startTime":1576.416,"endTime":1578.066,"body":"I really want to know."},{"speaker":"Average Joe Finances","startTime":1578.066,"endTime":1581.166,"body":"Cause now that you're living in this,"},{"speaker":"Average Joe Finances","startTime":1578.066,"endTime":1581.166,"body":"you're financially independent right now."},{"speaker":"Average Joe Finances","startTime":1581.166,"endTime":1583.746,"body":"And like you said you're living"},{"speaker":"Average Joe Finances","startTime":1581.166,"endTime":1583.746,"body":"off of your assets that are"},{"speaker":"Average Joe Finances","startTime":1583.926,"endTime":1585.486,"body":"slowly getting paid down."},{"speaker":"Average Joe Finances","startTime":1585.536,"endTime":1588.716,"body":"How do you manage risks to"},{"speaker":"Average Joe Finances","startTime":1585.536,"endTime":1588.716,"body":"know that you're going to have"},{"speaker":"Average Joe Finances","startTime":1588.716,"endTime":1590.456,"body":"enough money until the end?"},{"speaker":"Chris Mamula","startTime":1591.416,"endTime":1591.656,"body":"Yeah."},{"speaker":"Chris Mamula","startTime":1591.656,"endTime":1593.216,"body":"So I love talking about risk."},{"speaker":"Chris Mamula","startTime":1593.216,"endTime":1594.356,"body":"It's one of my favorite topics."},{"speaker":"Chris Mamula","startTime":1594.386,"endTime":1596.962,"body":"So because we like doing, like"},{"speaker":"Chris Mamula","startTime":1594.386,"endTime":1596.962,"body":"I said, we like doing these"},{"speaker":"Chris Mamula","startTime":1596.992,"endTime":1598.822,"body":"outdoor, like we're we rock climb."},{"speaker":"Chris Mamula","startTime":1598.822,"endTime":1599.122,"body":"We've done."},{"speaker":"Chris Mamula","startTime":1599.122,"endTime":1600.052,"body":"High-altitude mountaineering."},{"speaker":"Chris Mamula","startTime":1600.052,"endTime":1605.522,"body":"We ski, I back country ski I think people"},{"speaker":"Chris Mamula","startTime":1600.052,"endTime":1605.522,"body":"look at things as it's safe or it's risky."},{"speaker":"Chris Mamula","startTime":1605.852,"endTime":1607.952,"body":"And I think that's really the"},{"speaker":"Chris Mamula","startTime":1605.852,"endTime":1607.952,"body":"wrong way to look at things."},{"speaker":"Chris Mamula","startTime":1608.302,"endTime":1611.552,"body":"I think you have to look every"},{"speaker":"Chris Mamula","startTime":1608.302,"endTime":1611.552,"body":"choice you make it comes with"},{"speaker":"Chris Mamula","startTime":1611.582,"endTime":1613.352,"body":"unique, a unique set of risks."},{"speaker":"Chris Mamula","startTime":1613.712,"endTime":1615.782,"body":"And so how do you manage risks?"},{"speaker":"Chris Mamula","startTime":1615.832,"endTime":1618.472,"body":"So that, you're not going to put yourself"},{"speaker":"Chris Mamula","startTime":1615.832,"endTime":1618.472,"body":"in a position where you're going to get"},{"speaker":"Chris Mamula","startTime":1618.472,"endTime":1621.472,"body":"wiped out, whether that means losing all"},{"speaker":"Chris Mamula","startTime":1618.472,"endTime":1621.472,"body":"your money on an investment or whether"},{"speaker":"Chris Mamula","startTime":1621.472,"endTime":1624.992,"body":"it's literally wiped out, falling off"},{"speaker":"Chris Mamula","startTime":1621.472,"endTime":1624.992,"body":"the side of a mountain, getting stuck"},{"speaker":"Chris Mamula","startTime":1624.992,"endTime":1626.522,"body":"in an avalanche and tumbled down a hill."},{"speaker":"Chris Mamula","startTime":1626.602,"endTime":1628.072,"body":"So you have to make good decisions."},{"speaker":"Chris Mamula","startTime":1628.322,"endTime":1631.802,"body":"Cause if you don't take any risks,"},{"speaker":"Chris Mamula","startTime":1628.322,"endTime":1631.802,"body":"yeah, you're never going to get hurt or"},{"speaker":"Chris Mamula","startTime":1631.802,"endTime":1634.202,"body":"killed in the mountains, but you're also"},{"speaker":"Chris Mamula","startTime":1631.802,"endTime":1634.202,"body":"never going to get in to the mountains."},{"speaker":"Chris Mamula","startTime":1634.202,"endTime":1635.072,"body":"If you don't take any risks."},{"speaker":"Chris Mamula","startTime":1635.282,"endTime":1638.702,"body":"And it's the same with this, if you don't"},{"speaker":"Chris Mamula","startTime":1635.282,"endTime":1638.702,"body":"put any money at risk, you'll never lose"},{"speaker":"Chris Mamula","startTime":1638.702,"endTime":1640.922,"body":"anything, but you're also going to be"},{"speaker":"Chris Mamula","startTime":1638.702,"endTime":1640.922,"body":"sitting in a savings account where your"},{"speaker":"Chris Mamula","startTime":1640.922,"endTime":1644.102,"body":"money is always losing value to inflation."},{"speaker":"Chris Mamula","startTime":1644.102,"endTime":1646.352,"body":"So I think it's just"},{"speaker":"Chris Mamula","startTime":1644.102,"endTime":1646.352,"body":"finding that right balance."},{"speaker":"Chris Mamula","startTime":1646.682,"endTime":1650.362,"body":"And so like for us as we, when we"},{"speaker":"Chris Mamula","startTime":1646.682,"endTime":1650.362,"body":"had a high savings, There really"},{"speaker":"Chris Mamula","startTime":1650.362,"endTime":1652.612,"body":"wasn't a whole we could be very"},{"speaker":"Chris Mamula","startTime":1650.362,"endTime":1652.612,"body":"aggressive with our investments"},{"speaker":"Chris Mamula","startTime":1652.642,"endTime":1656.362,"body":"because if the investments went down,"},{"speaker":"Chris Mamula","startTime":1652.642,"endTime":1656.362,"body":"we were just buying more every month."},{"speaker":"Chris Mamula","startTime":1656.752,"endTime":1659.422,"body":"And because we could be"},{"speaker":"Chris Mamula","startTime":1656.752,"endTime":1659.422,"body":"aggressive most of the time, your"},{"speaker":"Chris Mamula","startTime":1659.422,"endTime":1660.532,"body":"investments are going to go up."},{"speaker":"Chris Mamula","startTime":1660.952,"endTime":1663.532,"body":"And so that's the approach we took"},{"speaker":"Chris Mamula","startTime":1660.952,"endTime":1663.532,"body":"throughout our accumulation phase."},{"speaker":"Chris Mamula","startTime":1663.842,"endTime":1667.012,"body":"Now that we're in this phase where,"},{"speaker":"Chris Mamula","startTime":1663.842,"endTime":1667.012,"body":"Really spending down too much, we"},{"speaker":"Chris Mamula","startTime":1667.012,"endTime":1670.042,"body":"can still be somewhat aggressive, but"},{"speaker":"Chris Mamula","startTime":1667.012,"endTime":1670.042,"body":"we're also not really saving very much."},{"speaker":"Chris Mamula","startTime":1670.252,"endTime":1671.812,"body":"So we have to dial that back a little bit."},{"speaker":"Chris Mamula","startTime":1671.812,"endTime":1674.422,"body":"So we added more bonds store"},{"speaker":"Chris Mamula","startTime":1671.812,"endTime":1674.422,"body":"portfolio, a little more cash."},{"speaker":"Chris Mamula","startTime":1674.422,"endTime":1676.462,"body":"We actually added a little"},{"speaker":"Chris Mamula","startTime":1674.422,"endTime":1676.462,"body":"bit of gold to our portfolio."},{"speaker":"Chris Mamula","startTime":1676.672,"endTime":1679.402,"body":"Just some things that are"},{"speaker":"Chris Mamula","startTime":1676.672,"endTime":1679.402,"body":"going to not move in unison."},{"speaker":"Chris Mamula","startTime":1680.002,"endTime":1683.632,"body":"And then what I love about the business"},{"speaker":"Chris Mamula","startTime":1680.002,"endTime":1683.632,"body":"is, again, we don't need a whole lot"},{"speaker":"Chris Mamula","startTime":1683.632,"endTime":1685.642,"body":"of income and what I was able to do."},{"speaker":"Chris Mamula","startTime":1685.642,"endTime":1689.322,"body":"So with both of my writing projects,"},{"speaker":"Chris Mamula","startTime":1685.642,"endTime":1689.322,"body":"it was basically all sweat equity."},{"speaker":"Chris Mamula","startTime":1689.322,"endTime":1691.512,"body":"So I didn't put any money at"},{"speaker":"Chris Mamula","startTime":1689.322,"endTime":1691.512,"body":"risk, so there's really nothing"},{"speaker":"Chris Mamula","startTime":1691.512,"endTime":1693.462,"body":"to lose and it's all upside."},{"speaker":"Chris Mamula","startTime":1694.027,"endTime":1697.617,"body":"And now that I do have, in some things"},{"speaker":"Chris Mamula","startTime":1694.027,"endTime":1697.617,"body":"like right now, I just invested in"},{"speaker":"Chris Mamula","startTime":1697.617,"endTime":1700.707,"body":"some things with SEO search engine"},{"speaker":"Chris Mamula","startTime":1697.617,"endTime":1700.707,"body":"optimization to try to get more traffic"},{"speaker":"Chris Mamula","startTime":1700.707,"endTime":1705.267,"body":"to my site, but it's a finite, like I"},{"speaker":"Chris Mamula","startTime":1700.707,"endTime":1705.267,"body":"know I'm spending seven to spend $2,000"},{"speaker":"Chris Mamula","startTime":1705.567,"endTime":1706.827,"body":"and I can break that down very easy."},{"speaker":"Chris Mamula","startTime":1706.827,"endTime":1708.507,"body":"If I get X number of page views."},{"speaker":"Chris Mamula","startTime":1709.317,"endTime":1712.647,"body":"Re advertising revenue of say"},{"speaker":"Chris Mamula","startTime":1709.317,"endTime":1712.647,"body":"$40 for every thousand views."},{"speaker":"Chris Mamula","startTime":1712.857,"endTime":1717.057,"body":"I can quickly see that I have a ton of"},{"speaker":"Chris Mamula","startTime":1712.857,"endTime":1717.057,"body":"upside on that, but there's unlimited my"},{"speaker":"Chris Mamula","startTime":1717.057,"endTime":1719.157,"body":"downside's capped at $2,000 or whatever."},{"speaker":"Chris Mamula","startTime":1719.157,"endTime":1720.627,"body":"I'm going to pay this person to do that."},{"speaker":"Chris Mamula","startTime":1720.897,"endTime":1723.627,"body":"And when you're investing in different"},{"speaker":"Chris Mamula","startTime":1720.897,"endTime":1723.627,"body":"things like an active business or"},{"speaker":"Chris Mamula","startTime":1723.627,"endTime":1726.177,"body":"real estate, you just have to look"},{"speaker":"Chris Mamula","startTime":1723.627,"endTime":1726.177,"body":"at what are the upsides, what are the"},{"speaker":"Chris Mamula","startTime":1726.177,"endTime":1727.377,"body":"downsides and how do I manage that?"},{"speaker":"Chris Mamula","startTime":1728.367,"endTime":1731.397,"body":"And then because a private business is"},{"speaker":"Chris Mamula","startTime":1728.367,"endTime":1731.397,"body":"totally different than the stock market."},{"speaker":"Chris Mamula","startTime":1731.617,"endTime":1733.147,"body":"Now I'm having another asset class."},{"speaker":"Chris Mamula","startTime":1733.147,"endTime":1734.377,"body":"That's totally uncorrelated."},{"speaker":"Chris Mamula","startTime":1734.377,"endTime":1736.057,"body":"So again, that's another"},{"speaker":"Chris Mamula","startTime":1734.377,"endTime":1736.057,"body":"way of managing risks."},{"speaker":"Chris Mamula","startTime":1736.057,"endTime":1740.477,"body":"So yeah it's a dynamic process and I"},{"speaker":"Chris Mamula","startTime":1736.057,"endTime":1740.477,"body":"know I threw a bunch of word vomited"},{"speaker":"Chris Mamula","startTime":1740.477,"endTime":1742.907,"body":"a bunch out there, so feel free to"},{"speaker":"Chris Mamula","startTime":1740.477,"endTime":1742.907,"body":"follow up with anything, but that's"},{"speaker":"Chris Mamula","startTime":1742.907,"endTime":1745.457,"body":"how I look at it is you always have to"},{"speaker":"Chris Mamula","startTime":1742.907,"endTime":1745.457,"body":"be looking at how all the pieces are"},{"speaker":"Chris Mamula","startTime":1745.457,"endTime":1748.357,"body":"moving together and what enables you"},{"speaker":"Chris Mamula","startTime":1745.457,"endTime":1748.357,"body":"to get out there and do some things."},{"speaker":"Average Joe Finances","startTime":1748.357,"endTime":1751.384,"body":"Yeah, I think one of"},{"speaker":"Average Joe Finances","startTime":1748.357,"endTime":1751.384,"body":"the key things here that, and you started"},{"speaker":"Average Joe Finances","startTime":1751.384,"endTime":1755.134,"body":"off with, this is how you actually,"},{"speaker":"Average Joe Finances","startTime":1751.384,"endTime":1755.134,"body":"you love to manage risk right there."},{"speaker":"Average Joe Finances","startTime":1755.134,"endTime":1758.794,"body":"There's a, whether it's in your personal"},{"speaker":"Average Joe Finances","startTime":1755.134,"endTime":1758.794,"body":"life, going out and climbing a mountain"},{"speaker":"Average Joe Finances","startTime":1758.794,"endTime":1760.144,"body":"or skiing down the mountain side."},{"speaker":"Average Joe Finances","startTime":1760.954,"endTime":1764.354,"body":"We're in your financial journey,"},{"speaker":"Average Joe Finances","startTime":1760.954,"endTime":1764.354,"body":"it's, it's about managing risk."},{"speaker":"Average Joe Finances","startTime":1764.594,"endTime":1767.174,"body":"And I would also say it's probably"},{"speaker":"Average Joe Finances","startTime":1764.594,"endTime":1767.174,"body":"about managing expectations too."},{"speaker":"Average Joe Finances","startTime":1767.174,"endTime":1770.894,"body":"Cause you, you have a certain expectation"},{"speaker":"Average Joe Finances","startTime":1767.174,"endTime":1770.894,"body":"cause you have a goal in mind, right?"},{"speaker":"Average Joe Finances","startTime":1770.894,"endTime":1772.774,"body":"You have this end goal in sight."},{"speaker":"Average Joe Finances","startTime":1773.164,"endTime":1776.014,"body":"And the only way to get there"},{"speaker":"Average Joe Finances","startTime":1773.164,"endTime":1776.014,"body":"is to take certain risks."},{"speaker":"Average Joe Finances","startTime":1776.064,"endTime":1779.854,"body":"And being able to manage that and"},{"speaker":"Average Joe Finances","startTime":1776.064,"endTime":1779.854,"body":"manage your expectations be able"},{"speaker":"Average Joe Finances","startTime":1779.854,"endTime":1783.394,"body":"to flex when things don't go the"},{"speaker":"Average Joe Finances","startTime":1779.854,"endTime":1783.394,"body":"way you want them to go, one of"},{"speaker":"Average Joe Finances","startTime":1783.394,"endTime":1784.804,"body":"the things that's super important."},{"speaker":"Average Joe Finances","startTime":1784.804,"endTime":1787.114,"body":"And I think that really helped you"},{"speaker":"Average Joe Finances","startTime":1784.804,"endTime":1787.114,"body":"out a lot, as you said, you were"},{"speaker":"Average Joe Finances","startTime":1787.114,"endTime":1791.294,"body":"able to, live off of 50% or sometimes"},{"speaker":"Average Joe Finances","startTime":1787.114,"endTime":1791.294,"body":"less than that, of your income."},{"speaker":"Average Joe Finances","startTime":1791.754,"endTime":1796.951,"body":"You had a lot of flex, a lot"},{"speaker":"Average Joe Finances","startTime":1791.754,"endTime":1796.951,"body":"of wiggle room that if  market"},{"speaker":"Average Joe Finances","startTime":1796.951,"endTime":1798.421,"body":"goes down, that's fine."},{"speaker":"Average Joe Finances","startTime":1798.421,"endTime":1800.491,"body":"You're sitting here, you're still"},{"speaker":"Average Joe Finances","startTime":1798.421,"endTime":1800.491,"body":"investing the same amount of money."},{"speaker":"Average Joe Finances","startTime":1800.501,"endTime":1801.841,"body":"Now you're buying stuff at a discount."},{"speaker":"Average Joe Finances","startTime":1801.891,"endTime":1805.911,"body":"And I think one of the things that"},{"speaker":"Average Joe Finances","startTime":1801.891,"endTime":1805.911,"body":"just changing, like your mindset of"},{"speaker":"Average Joe Finances","startTime":1805.911,"endTime":1809.556,"body":"how you look at your investments and"},{"speaker":"Average Joe Finances","startTime":1805.911,"endTime":1809.556,"body":"how you're putting money into it."},{"speaker":"Average Joe Finances","startTime":1809.556,"endTime":1813.126,"body":"Because, I can't stand when I hear"},{"speaker":"Average Joe Finances","startTime":1809.556,"endTime":1813.126,"body":"people say, oh man, you know the"},{"speaker":"Average Joe Finances","startTime":1813.126,"endTime":1815.666,"body":"market dipped I lost $9,000 today."},{"speaker":"Average Joe Finances","startTime":1815.666,"endTime":1820.816,"body":"I'm like, you didn't lose $9,000, man,"},{"speaker":"Average Joe Finances","startTime":1815.666,"endTime":1820.816,"body":"your assets went down in value, $9,000."},{"speaker":"Average Joe Finances","startTime":1821.116,"endTime":1824.476,"body":"It will come back, just, stay"},{"speaker":"Average Joe Finances","startTime":1821.116,"endTime":1824.476,"body":"on course and stay focused."},{"speaker":"Average Joe Finances","startTime":1824.526,"endTime":1827.466,"body":"So a lot of times, when you start telling"},{"speaker":"Average Joe Finances","startTime":1824.526,"endTime":1827.466,"body":"yourself you're losing money, you're"},{"speaker":"Average Joe Finances","startTime":1827.466,"endTime":1828.816,"body":"losing money, you're losing money."},{"speaker":"Average Joe Finances","startTime":1829.116,"endTime":1833.596,"body":"You're going to wind up, pulling out and"},{"speaker":"Average Joe Finances","startTime":1829.116,"endTime":1833.596,"body":"miss out on that gain when it happens."},{"speaker":"Average Joe Finances","startTime":1833.596,"endTime":1836.496,"body":"So it's, I think that's one of the things,"},{"speaker":"Average Joe Finances","startTime":1833.596,"endTime":1836.496,"body":"especially for somebody that's trying to"},{"speaker":"Average Joe Finances","startTime":1836.696,"endTime":1840.216,"body":"do, like the whole slow and steady thing,"},{"speaker":"Average Joe Finances","startTime":1836.696,"endTime":1840.216,"body":"and it's not really slow and steady."},{"speaker":"Average Joe Finances","startTime":1840.216,"endTime":1844.996,"body":"If you're consistent, you're going to"},{"speaker":"Average Joe Finances","startTime":1840.216,"endTime":1844.996,"body":"see your wealth grow pretty quickly."},{"speaker":"Average Joe Finances","startTime":1845.272,"endTime":1848.212,"body":"And get yourself to a point where"},{"speaker":"Average Joe Finances","startTime":1845.272,"endTime":1848.212,"body":"you can possibly retire in 10, 20"},{"speaker":"Average Joe Finances","startTime":1848.212,"endTime":1849.562,"body":"years, like we're talking about."},{"speaker":"Average Joe Finances","startTime":1849.962,"endTime":1850.192,"body":"That's."},{"speaker":"Average Joe Finances","startTime":1850.192,"endTime":1850.862,"body":"That's awesome."},{"speaker":"Average Joe Finances","startTime":1851.172,"endTime":1855.537,"body":"So with managing risk"},{"speaker":"Average Joe Finances","startTime":1851.172,"endTime":1855.537,"body":"comes different challenges."},{"speaker":"Average Joe Finances","startTime":1855.537,"endTime":1859.587,"body":"So I'm sure that throughout the entire"},{"speaker":"Average Joe Finances","startTime":1855.537,"endTime":1859.587,"body":"time that you've been doing this,"},{"speaker":"Average Joe Finances","startTime":1859.767,"endTime":1862.077,"body":"you've encountered multiple challenges."},{"speaker":"Average Joe Finances","startTime":1862.077,"endTime":1865.947,"body":"So what would you say are some"},{"speaker":"Average Joe Finances","startTime":1862.077,"endTime":1865.947,"body":"of the biggest challenges that"},{"speaker":"Average Joe Finances","startTime":1865.947,"endTime":1869.877,"body":"you and your wife have ever faced"},{"speaker":"Average Joe Finances","startTime":1865.947,"endTime":1869.877,"body":"while on this journey together?"},{"speaker":"Chris Mamula","startTime":1870.742,"endTime":1870.982,"body":"Yeah."},{"speaker":"Chris Mamula","startTime":1870.982,"endTime":1874.182,"body":"So this kind of gets back in the very"},{"speaker":"Chris Mamula","startTime":1870.982,"endTime":1874.182,"body":"beginning, you've talked about you're"},{"speaker":"Chris Mamula","startTime":1874.182,"endTime":1875.922,"body":"not very interested in the retire thing."},{"speaker":"Chris Mamula","startTime":1876.342,"endTime":1878.212,"body":"And originally I was right."},{"speaker":"Chris Mamula","startTime":1878.212,"endTime":1880.942,"body":"So the blog I write at now"},{"speaker":"Chris Mamula","startTime":1878.212,"endTime":1880.942,"body":"is called, can I retire yet?"},{"speaker":"Chris Mamula","startTime":1880.942,"endTime":1884.372,"body":"And as I told you, the story of how I got"},{"speaker":"Chris Mamula","startTime":1880.942,"endTime":1884.372,"body":"involved, but I found that blog because"},{"speaker":"Chris Mamula","startTime":1884.372,"endTime":1887.252,"body":"I was literally asking that question,"},{"speaker":"Chris Mamula","startTime":1884.372,"endTime":1887.252,"body":"just like I found that the original"},{"speaker":"Chris Mamula","startTime":1887.252,"endTime":1888.572,"body":"blog was early retirement extreme."},{"speaker":"Chris Mamula","startTime":1888.572,"endTime":1890.432,"body":"I typed in like extreme, early retirement."},{"speaker":"Chris Mamula","startTime":1890.432,"endTime":1893.127,"body":"I found that, I'm sure one day I typed"},{"speaker":"Chris Mamula","startTime":1890.432,"endTime":1893.127,"body":"in something like, can I retire yet?"},{"speaker":"Chris Mamula","startTime":1893.127,"endTime":1894.297,"body":"And that's how I found this blog."},{"speaker":"Chris Mamula","startTime":1894.537,"endTime":1897.747,"body":"And I was literally asking that question"},{"speaker":"Chris Mamula","startTime":1894.537,"endTime":1897.747,"body":"cause like I just wanted to escape."},{"speaker":"Chris Mamula","startTime":1897.747,"endTime":1899.997,"body":"I wanted out of my career, I"},{"speaker":"Chris Mamula","startTime":1897.747,"endTime":1899.997,"body":"wanted to do something different."},{"speaker":"Chris Mamula","startTime":1900.307,"endTime":1903.987,"body":"But as we got closer to it again, like"},{"speaker":"Chris Mamula","startTime":1900.307,"endTime":1903.987,"body":"I touched on this a little bit before,"},{"speaker":"Chris Mamula","startTime":1903.987,"endTime":1906.757,"body":"but you don't really save 50% because."},{"speaker":"Chris Mamula","startTime":1907.387,"endTime":1908.887,"body":"Like you're some freak of nature."},{"speaker":"Chris Mamula","startTime":1908.887,"endTime":1910.297,"body":"Just like you don't, you can, yeah."},{"speaker":"Chris Mamula","startTime":1910.297,"endTime":1913.357,"body":"You can crash diet and do that for"},{"speaker":"Chris Mamula","startTime":1910.297,"endTime":1913.357,"body":"a week or a month or maybe a year,"},{"speaker":"Chris Mamula","startTime":1913.627,"endTime":1914.857,"body":"but you can't sustain that forever."},{"speaker":"Chris Mamula","startTime":1914.857,"endTime":1917.737,"body":"And it's the same if like you're"},{"speaker":"Chris Mamula","startTime":1914.857,"endTime":1917.737,"body":"suffering and sacrificing to save."},{"speaker":"Chris Mamula","startTime":1918.127,"endTime":1919.057,"body":"You're not going to stay on that."},{"speaker":"Chris Mamula","startTime":1919.057,"endTime":1922.947,"body":"So we saved because it felt for"},{"speaker":"Chris Mamula","startTime":1919.057,"endTime":1922.947,"body":"my wife, I mentioned like she had"},{"speaker":"Chris Mamula","startTime":1922.947,"endTime":1926.557,"body":"upbringing and it gave her security"},{"speaker":"Chris Mamula","startTime":1922.947,"endTime":1926.557,"body":"and imagined for me I was always"},{"speaker":"Chris Mamula","startTime":1926.557,"endTime":1928.027,"body":"taught that, you don't go into debt."},{"speaker":"Chris Mamula","startTime":1928.027,"endTime":1930.307,"body":"And as we started having more"},{"speaker":"Chris Mamula","startTime":1928.027,"endTime":1930.307,"body":"security, it felt good for me."},{"speaker":"Chris Mamula","startTime":1930.307,"endTime":1931.867,"body":"And we were doing these"},{"speaker":"Chris Mamula","startTime":1930.307,"endTime":1931.867,"body":"adventures and things."},{"speaker":"Chris Mamula","startTime":1931.867,"endTime":1934.777,"body":"I was never able to do growing up in a"},{"speaker":"Chris Mamula","startTime":1931.867,"endTime":1934.777,"body":"family that didn't have a lot of money."},{"speaker":"Chris Mamula","startTime":1935.167,"endTime":1936.427,"body":"And so it felt good."},{"speaker":"Chris Mamula","startTime":1936.757,"endTime":1939.997,"body":"And so when you retire, you go"},{"speaker":"Chris Mamula","startTime":1936.757,"endTime":1939.997,"body":"from to get to the point where you"},{"speaker":"Chris Mamula","startTime":1939.997,"endTime":1941.137,"body":"can retire at 40, especially the."},{"speaker":"Chris Mamula","startTime":1941.792,"endTime":1943.502,"body":"Can we took of taking that simple path."},{"speaker":"Chris Mamula","startTime":1943.792,"endTime":1946.382,"body":"You're saving 50% of your"},{"speaker":"Chris Mamula","startTime":1943.792,"endTime":1946.382,"body":"income because it feels good."},{"speaker":"Chris Mamula","startTime":1946.382,"endTime":1946.832,"body":"It feels safe."},{"speaker":"Chris Mamula","startTime":1946.832,"endTime":1947.522,"body":"It feels secure."},{"speaker":"Chris Mamula","startTime":1947.762,"endTime":1949.652,"body":"And now you're saying, okay,"},{"speaker":"Chris Mamula","startTime":1947.762,"endTime":1949.652,"body":"we're going to hit this time."},{"speaker":"Chris Mamula","startTime":1949.652,"endTime":1951.932,"body":"We're just going to suddenly"},{"speaker":"Chris Mamula","startTime":1949.652,"endTime":1951.932,"body":"stop and start spending it down."},{"speaker":"Chris Mamula","startTime":1952.352,"endTime":1954.742,"body":"And it was for myself, it"},{"speaker":"Chris Mamula","startTime":1952.352,"endTime":1954.742,"body":"was uncomfortable for sure."},{"speaker":"Chris Mamula","startTime":1954.742,"endTime":1956.512,"body":"And for my wife, it was"},{"speaker":"Chris Mamula","startTime":1954.742,"endTime":1956.512,"body":"flat out terrifying."},{"speaker":"Chris Mamula","startTime":1956.782,"endTime":1960.082,"body":"And so like we started in college"},{"speaker":"Chris Mamula","startTime":1956.782,"endTime":1960.082,"body":"where we didn't have two nickels to rub"},{"speaker":"Chris Mamula","startTime":1960.082,"endTime":1961.612,"body":"together and we were perfectly happy."},{"speaker":"Chris Mamula","startTime":1961.612,"endTime":1964.852,"body":"We never fought about money because we"},{"speaker":"Chris Mamula","startTime":1961.612,"endTime":1964.852,"body":"had this plan and we were working towards"},{"speaker":"Chris Mamula","startTime":1964.852,"endTime":1966.232,"body":"the same goals as we were accumulating."},{"speaker":"Chris Mamula","startTime":1966.232,"endTime":1967.222,"body":"We never fought about money."},{"speaker":"Chris Mamula","startTime":1967.552,"endTime":1971.087,"body":"And now we're getting to the point"},{"speaker":"Chris Mamula","startTime":1967.552,"endTime":1971.087,"body":"where we have a paid off house maybe"},{"speaker":"Chris Mamula","startTime":1971.087,"endTime":1974.207,"body":"enough to last forever, certainly"},{"speaker":"Chris Mamula","startTime":1971.087,"endTime":1974.207,"body":"enough to last 20, 30 years."},{"speaker":"Chris Mamula","startTime":1974.537,"endTime":1976.577,"body":"And we're fighting about"},{"speaker":"Chris Mamula","startTime":1974.537,"endTime":1976.577,"body":"money all of a sudden."},{"speaker":"Chris Mamula","startTime":1976.577,"endTime":1979.547,"body":"And so we had to dig into"},{"speaker":"Chris Mamula","startTime":1976.577,"endTime":1979.547,"body":"what is the psychology behind"},{"speaker":"Chris Mamula","startTime":1979.547,"endTime":1981.077,"body":"this, what is driving us?"},{"speaker":"Chris Mamula","startTime":1981.077,"endTime":1982.187,"body":"What is going to make us happy?"},{"speaker":"Chris Mamula","startTime":1982.547,"endTime":1984.437,"body":"And so that's how we"},{"speaker":"Chris Mamula","startTime":1982.547,"endTime":1984.437,"body":"got to where we are now."},{"speaker":"Chris Mamula","startTime":1984.437,"endTime":1988.262,"body":"So even though on paper, we can"},{"speaker":"Chris Mamula","startTime":1984.437,"endTime":1988.262,"body":"probably retire early in good state"},{"speaker":"Chris Mamula","startTime":1988.262,"endTime":1989.112,"body":"we're financially independent."},{"speaker":"Chris Mamula","startTime":1989.622,"endTime":1991.782,"body":"We've found work that"},{"speaker":"Chris Mamula","startTime":1989.622,"endTime":1991.782,"body":"we like and fulfills us."},{"speaker":"Chris Mamula","startTime":1992.052,"endTime":1994.692,"body":"And my wife works part-time for a company."},{"speaker":"Chris Mamula","startTime":1994.692,"endTime":1996.522,"body":"She works out of Washington,"},{"speaker":"Chris Mamula","startTime":1994.692,"endTime":1996.522,"body":"DC, but we live in Utah."},{"speaker":"Chris Mamula","startTime":1996.522,"endTime":1998.772,"body":"So it's totally remote,"},{"speaker":"Chris Mamula","startTime":1996.522,"endTime":1998.772,"body":"no travel, no commute."},{"speaker":"Chris Mamula","startTime":1999.112,"endTime":2000.072,"body":"She works part time."},{"speaker":"Chris Mamula","startTime":2000.312,"endTime":2003.312,"body":"I'm doing the writing, just this PA"},{"speaker":"Chris Mamula","startTime":2000.312,"endTime":2003.312,"body":"like we talked about how I got into"},{"speaker":"Chris Mamula","startTime":2003.312,"endTime":2004.452,"body":"it, something I'm passionate about."},{"speaker":"Chris Mamula","startTime":2004.722,"endTime":2007.692,"body":"And so we're basically making enough"},{"speaker":"Chris Mamula","startTime":2004.722,"endTime":2007.692,"body":"to more or less cover our expenses."},{"speaker":"Chris Mamula","startTime":2007.692,"endTime":2010.722,"body":"So we don't even have to spend down"},{"speaker":"Chris Mamula","startTime":2007.692,"endTime":2010.722,"body":"anyway, but yet we're having this freedom."},{"speaker":"Chris Mamula","startTime":2010.722,"endTime":2012.912,"body":"Like I said, we ski"},{"speaker":"Chris Mamula","startTime":2010.722,"endTime":2012.912,"body":"probably 50, 60 days a year."},{"speaker":"Chris Mamula","startTime":2012.912,"endTime":2014.922,"body":"We have a young daughter we're"},{"speaker":"Chris Mamula","startTime":2012.912,"endTime":2014.922,"body":"very involved in her life."},{"speaker":"Chris Mamula","startTime":2015.412,"endTime":2016.762,"body":"We're always getting out, doing things."},{"speaker":"Chris Mamula","startTime":2016.762,"endTime":2019.872,"body":"And so just building that, but it"},{"speaker":"Chris Mamula","startTime":2016.762,"endTime":2019.872,"body":"wasn't something that we figured out"},{"speaker":"Chris Mamula","startTime":2019.872,"endTime":2022.332,"body":"overnight and I'd still, I wouldn't"},{"speaker":"Chris Mamula","startTime":2019.872,"endTime":2022.332,"body":"say we've totally figured it out."},{"speaker":"Chris Mamula","startTime":2022.332,"endTime":2024.192,"body":"We're still, it's something"},{"speaker":"Chris Mamula","startTime":2022.332,"endTime":2024.192,"body":"we talk about and work on and"},{"speaker":"Chris Mamula","startTime":2024.222,"endTime":2026.022,"body":"where it's constantly evolving."},{"speaker":"Average Joe Finances","startTime":2026.059,"endTime":2028.024,"body":"So it"},{"speaker":"Average Joe Finances","startTime":2026.059,"endTime":2028.024,"body":"sounds like the biggest challenge"},{"speaker":"Average Joe Finances","startTime":2028.024,"endTime":2031.474,"body":"that you're talking about here"},{"speaker":"Average Joe Finances","startTime":2028.024,"endTime":2031.474,"body":"was just the fear of retirement."},{"speaker":"Average Joe Finances","startTime":2031.474,"endTime":2035.024,"body":"Like the fear of, okay, now we're"},{"speaker":"Average Joe Finances","startTime":2031.474,"endTime":2035.024,"body":"actually tapping into this that we've"},{"speaker":"Average Joe Finances","startTime":2035.024,"endTime":2037.364,"body":"worked so hard to save up for now."},{"speaker":"Average Joe Finances","startTime":2037.364,"endTime":2040.384,"body":"We're tapping into it and watching"},{"speaker":"Average Joe Finances","startTime":2037.364,"endTime":2040.384,"body":"these numbers start to go down that,"},{"speaker":"Average Joe Finances","startTime":2040.414,"endTime":2042.064,"body":"yeah, that definitely can be terrifying."},{"speaker":"Average Joe Finances","startTime":2042.064,"endTime":2045.784,"body":"But you've found other ways to, start"},{"speaker":"Average Joe Finances","startTime":2042.064,"endTime":2045.784,"body":"covering your expenses, doing something"},{"speaker":"Average Joe Finances","startTime":2045.784,"endTime":2048.174,"body":"that you enjoy doing, you enjoy writing."},{"speaker":"Average Joe Finances","startTime":2048.404,"endTime":2050.654,"body":"And this is something that's still"},{"speaker":"Average Joe Finances","startTime":2048.404,"endTime":2050.654,"body":"giving you all the free time."},{"speaker":"Average Joe Finances","startTime":2050.654,"endTime":2053.384,"body":"You need to be independent,"},{"speaker":"Average Joe Finances","startTime":2050.654,"endTime":2053.384,"body":"be free, right."},{"speaker":"Average Joe Finances","startTime":2053.384,"endTime":2054.884,"body":"So you're still financially independent."},{"speaker":"Average Joe Finances","startTime":2055.184,"endTime":2058.484,"body":"You're only doing this because"},{"speaker":"Average Joe Finances","startTime":2055.184,"endTime":2058.484,"body":"you want to, you don't have to."},{"speaker":"Average Joe Finances","startTime":2058.814,"endTime":2060.214,"body":"I think that's the key thing."},{"speaker":"Chris Mamula","startTime":2060.294,"endTime":2060.354,"body":"Yeah."},{"speaker":"Chris Mamula","startTime":2060.834,"endTime":2064.564,"body":"And you touched on the word fear"},{"speaker":"Chris Mamula","startTime":2060.834,"endTime":2064.564,"body":"and it goes back to, it ties into"},{"speaker":"Chris Mamula","startTime":2064.564,"endTime":2065.614,"body":"what we talked about with risk."},{"speaker":"Chris Mamula","startTime":2065.614,"endTime":2068.944,"body":"So I think if you look at me on"},{"speaker":"Chris Mamula","startTime":2065.614,"endTime":2068.944,"body":"paper oh, he's a rock climber."},{"speaker":"Chris Mamula","startTime":2068.944,"endTime":2070.474,"body":"He skis he's on"},{"speaker":"Chris Mamula","startTime":2068.944,"endTime":2070.474,"body":"high-altitude mountaineering."},{"speaker":"Chris Mamula","startTime":2070.474,"endTime":2072.664,"body":"He quit his job at 40,"},{"speaker":"Chris Mamula","startTime":2070.474,"endTime":2072.664,"body":"with a five-year-old kid."},{"speaker":"Chris Mamula","startTime":2072.964,"endTime":2075.507,"body":"Like you might think like I'm"},{"speaker":"Chris Mamula","startTime":2072.964,"endTime":2075.507,"body":"careless and reckless even."},{"speaker":"Chris Mamula","startTime":2075.721,"endTime":2080.401,"body":"But I would say I'm extremely conservative"},{"speaker":"Chris Mamula","startTime":2075.721,"endTime":2080.401,"body":"again, like we like saving a lot and"},{"speaker":"Chris Mamula","startTime":2080.401,"endTime":2083.041,"body":"like when we're out in the mountains,"},{"speaker":"Chris Mamula","startTime":2080.401,"endTime":2083.041,"body":"we're like, I'm constantly learning."},{"speaker":"Chris Mamula","startTime":2083.496,"endTime":2084.966,"body":"Going with people smarter than me."},{"speaker":"Chris Mamula","startTime":2084.966,"endTime":2087.936,"body":"And that doesn't mean I take it"},{"speaker":"Chris Mamula","startTime":2084.966,"endTime":2087.936,"body":"lightly and I don't realize like"},{"speaker":"Chris Mamula","startTime":2087.936,"endTime":2089.886,"body":"the things we're doing and the"},{"speaker":"Chris Mamula","startTime":2087.936,"endTime":2089.886,"body":"consequences they could have, but"},{"speaker":"Chris Mamula","startTime":2090.096,"endTime":2091.566,"body":"that's why we take it so seriously."},{"speaker":"Chris Mamula","startTime":2091.926,"endTime":2094.446,"body":"And that's why, I've been doing"},{"speaker":"Chris Mamula","startTime":2091.926,"endTime":2094.446,"body":"this stuff for 15 years and never"},{"speaker":"Chris Mamula","startTime":2094.446,"endTime":2096.966,"body":"really had an, a, the worst injury"},{"speaker":"Chris Mamula","startTime":2094.446,"endTime":2096.966,"body":"I ever had with broke my thumb."},{"speaker":"Chris Mamula","startTime":2097.066,"endTime":2099.106,"body":"And I've never really"},{"speaker":"Chris Mamula","startTime":2097.066,"endTime":2099.106,"body":"had any financial stress."},{"speaker":"Chris Mamula","startTime":2099.106,"endTime":2103.036,"body":"And again, because we are so careful and"},{"speaker":"Chris Mamula","startTime":2099.106,"endTime":2103.036,"body":"so conservative, so we're not risk-takers."},{"speaker":"Chris Mamula","startTime":2103.086,"endTime":2103.416,"body":"And we're."},{"speaker":"Chris Mamula","startTime":2104.296,"endTime":2107.686,"body":"Not fearless people by any means or we're"},{"speaker":"Chris Mamula","startTime":2104.296,"endTime":2107.686,"body":"subject to fear just like everybody else."},{"speaker":"Chris Mamula","startTime":2107.686,"endTime":2110.806,"body":"But I think the key is just finding"},{"speaker":"Chris Mamula","startTime":2107.686,"endTime":2110.806,"body":"ways to take little steps, finding"},{"speaker":"Chris Mamula","startTime":2110.806,"endTime":2114.446,"body":"workarounds to do the things that"},{"speaker":"Chris Mamula","startTime":2110.806,"endTime":2114.446,"body":"you really want to do without putting"},{"speaker":"Chris Mamula","startTime":2114.446,"endTime":2117.306,"body":"yourself at risk of getting wiped out."},{"speaker":"Average Joe Finances","startTime":2117.321,"endTime":2120.041,"body":"So it sounds"},{"speaker":"Average Joe Finances","startTime":2117.321,"endTime":2120.041,"body":"you're not risk adverse, but you're,"},{"speaker":"Average Joe Finances","startTime":2120.101,"endTime":2124.381,"body":"you don't get complacent, both with"},{"speaker":"Average Joe Finances","startTime":2120.101,"endTime":2124.381,"body":"your finances or with, going out on"},{"speaker":"Average Joe Finances","startTime":2124.381,"endTime":2126.721,"body":"adventures like you do when you go"},{"speaker":"Average Joe Finances","startTime":2124.381,"endTime":2126.721,"body":"out camping out in the mountains."},{"speaker":"Average Joe Finances","startTime":2126.771,"endTime":2128.541,"body":"So the thing is don't be risk averse."},{"speaker":"Average Joe Finances","startTime":2128.541,"endTime":2131.811,"body":"You have to take risks, but don't"},{"speaker":"Average Joe Finances","startTime":2128.541,"endTime":2131.811,"body":"get your, don't get complacent."},{"speaker":"Average Joe Finances","startTime":2131.811,"endTime":2133.701,"body":"Don't get yourself to the point"},{"speaker":"Average Joe Finances","startTime":2131.811,"endTime":2133.701,"body":"where you're so comfortable."},{"speaker":"Average Joe Finances","startTime":2134.166,"endTime":2137.296,"body":"That you start to forget doing the"},{"speaker":"Average Joe Finances","startTime":2134.166,"endTime":2137.296,"body":"little things like I'm not sure you"},{"speaker":"Average Joe Finances","startTime":2137.296,"endTime":2139.996,"body":"probably because of how conservative you"},{"speaker":"Average Joe Finances","startTime":2137.296,"endTime":2139.996,"body":"are with this stuff, you probably have"},{"speaker":"Average Joe Finances","startTime":2139.996,"endTime":2142.126,"body":"a checklist when you're getting ready"},{"speaker":"Average Joe Finances","startTime":2139.996,"endTime":2142.126,"body":"to go out camping of different things."},{"speaker":"Average Joe Finances","startTime":2142.126,"endTime":2145.186,"body":"You need to make sure that you have, when"},{"speaker":"Average Joe Finances","startTime":2142.126,"endTime":2145.186,"body":"that complacency starts to set and you're"},{"speaker":"Average Joe Finances","startTime":2145.186,"endTime":2147.106,"body":"like, oh, I've done this 15 times already."},{"speaker":"Average Joe Finances","startTime":2147.106,"endTime":2147.916,"body":"I don't need to look at that."},{"speaker":"Average Joe Finances","startTime":2147.916,"endTime":2148.486,"body":"I know what I need."},{"speaker":"Average Joe Finances","startTime":2148.486,"endTime":2151.186,"body":"And you pack all your stuff and you"},{"speaker":"Average Joe Finances","startTime":2148.486,"endTime":2151.186,"body":"get out there and you're like, wow."},{"speaker":"Average Joe Finances","startTime":2151.906,"endTime":2152.986,"body":"Bring my sleeping bag."},{"speaker":"Average Joe Finances","startTime":2153.046,"endTime":2153.946,"body":"This kind of sucks."},{"speaker":"Average Joe Finances","startTime":2153.946,"endTime":2157.366,"body":"It's cold out tonight, and it's little"},{"speaker":"Average Joe Finances","startTime":2153.946,"endTime":2157.366,"body":"things like that, that you run the risk"},{"speaker":"Average Joe Finances","startTime":2157.366,"endTime":2158.716,"body":"of when you start getting complacent."},{"speaker":"Average Joe Finances","startTime":2158.716,"endTime":2160.626,"body":"So I think that's that's huge for sure."},{"speaker":"Average Joe Finances","startTime":2160.676,"endTime":2160.916,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":2160.916,"endTime":2161.906,"body":"That's awesome stuff, man."},{"speaker":"Average Joe Finances","startTime":2161.986,"endTime":2162.376,"body":"All right."},{"speaker":"Average Joe Finances","startTime":2162.521,"endTime":2166.171,"body":"I want to ask you for the people that"},{"speaker":"Average Joe Finances","startTime":2162.521,"endTime":2166.171,"body":"are listening right now, for somebody"},{"speaker":"Average Joe Finances","startTime":2166.171,"endTime":2170.761,"body":"that wants to get started, they want"},{"speaker":"Average Joe Finances","startTime":2166.171,"endTime":2170.761,"body":"to, they're ready to take risks."},{"speaker":"Average Joe Finances","startTime":2170.761,"endTime":2174.211,"body":"They paid down their debt and they're"},{"speaker":"Average Joe Finances","startTime":2170.761,"endTime":2174.211,"body":"ready to start saving and they want to"},{"speaker":"Average Joe Finances","startTime":2174.211,"endTime":2176.991,"body":"start putting 20, 30, even up to 50% of."},{"speaker":"Average Joe Finances","startTime":2177.771,"endTime":2180.801,"body":"Their income away to start, get"},{"speaker":"Average Joe Finances","startTime":2177.771,"endTime":2180.801,"body":"themselves to the point where they"},{"speaker":"Average Joe Finances","startTime":2180.801,"endTime":2181.911,"body":"can be financially independent."},{"speaker":"Average Joe Finances","startTime":2182.361,"endTime":2184.581,"body":"Do you have any tips or tricks"},{"speaker":"Average Joe Finances","startTime":2182.361,"endTime":2184.581,"body":"that you would recommend for"},{"speaker":"Average Joe Finances","startTime":2184.581,"endTime":2186.591,"body":"somebody that wants to start today?"},{"speaker":"Chris Mamula","startTime":2187.491,"endTime":2187.641,"body":"Yes."},{"speaker":"Chris Mamula","startTime":2187.651,"endTime":2191.231,"body":"I think if you're ready to invest"},{"speaker":"Chris Mamula","startTime":2187.651,"endTime":2191.231,"body":"I don't think that's something that"},{"speaker":"Chris Mamula","startTime":2191.231,"endTime":2192.761,"body":"you need to hire a professional."},{"speaker":"Chris Mamula","startTime":2193.061,"endTime":2195.121,"body":"And I also don't think that"},{"speaker":"Chris Mamula","startTime":2193.061,"endTime":2195.121,"body":"it's something that should take."},{"speaker":"Chris Mamula","startTime":2195.661,"endTime":2198.631,"body":"Two or three years, but I do think"},{"speaker":"Chris Mamula","startTime":2195.661,"endTime":2198.631,"body":"it's something that before you"},{"speaker":"Chris Mamula","startTime":2198.631,"endTime":2201.181,"body":"start putting your money at risk,"},{"speaker":"Chris Mamula","startTime":2198.631,"endTime":2201.181,"body":"that you should sit down and read"},{"speaker":"Chris Mamula","startTime":2201.181,"endTime":2202.711,"body":"a couple of foundational books."},{"speaker":"Chris Mamula","startTime":2203.081,"endTime":2206.961,"body":"And so I, I reviewed a couple that"},{"speaker":"Chris Mamula","startTime":2203.081,"endTime":2206.961,"body":"really helped me and I can I'll"},{"speaker":"Chris Mamula","startTime":2206.961,"endTime":2210.421,"body":"list them off, but there's two that"},{"speaker":"Chris Mamula","startTime":2206.961,"endTime":2210.421,"body":"I think just to get started one is"},{"speaker":"Chris Mamula","startTime":2210.421,"endTime":2211.851,"body":"called the simple path to wealth."},{"speaker":"Chris Mamula","startTime":2211.861,"endTime":2214.621,"body":"It's by another blog, a"},{"speaker":"Chris Mamula","startTime":2211.861,"endTime":2214.621,"body":"FIRE blogger JL Collins."},{"speaker":"Chris Mamula","startTime":2214.621,"endTime":2216.861,"body":"I mentioned his blog, I read"},{"speaker":"Chris Mamula","startTime":2214.621,"endTime":2216.861,"body":"and he turned that into a."},{"speaker":"Chris Mamula","startTime":2217.481,"endTime":2220.891,"body":"And it's just great to just give you"},{"speaker":"Chris Mamula","startTime":2217.481,"endTime":2220.891,"body":"the nuts and bolts of what you need."},{"speaker":"Chris Mamula","startTime":2221.281,"endTime":2224.851,"body":"And he talks a lot about index investing"},{"speaker":"Chris Mamula","startTime":2221.281,"endTime":2224.851,"body":"and he talked to me, he talked a lot about"},{"speaker":"Chris Mamula","startTime":2224.931,"endTime":2226.761,"body":"a Vanguard and a guy named John Bogle."},{"speaker":"Chris Mamula","startTime":2227.091,"endTime":2229.311,"body":"And so again, like I found these"},{"speaker":"Chris Mamula","startTime":2227.091,"endTime":2229.311,"body":"fire bloggers and I was like anybody"},{"speaker":"Chris Mamula","startTime":2229.311,"endTime":2230.151,"body":"can write anything on the internet."},{"speaker":"Chris Mamula","startTime":2230.151,"endTime":2233.031,"body":"So I, as I started hearing this name"},{"speaker":"Chris Mamula","startTime":2230.151,"endTime":2233.031,"body":"come up, I found John Bogle's books"},{"speaker":"Chris Mamula","startTime":2233.421,"endTime":2236.781,"body":"and he has a book called the little"},{"speaker":"Chris Mamula","startTime":2233.421,"endTime":2236.781,"body":"book of common sense investing and."},{"speaker":"Chris Mamula","startTime":2237.531,"endTime":2238.521,"body":"It just hits you hard."},{"speaker":"Chris Mamula","startTime":2238.521,"endTime":2240.471,"body":"Like everything in there is just gold."},{"speaker":"Chris Mamula","startTime":2240.771,"endTime":2243.591,"body":"And so those two books I think"},{"speaker":"Chris Mamula","startTime":2240.771,"endTime":2243.591,"body":"are just great to start with."},{"speaker":"Chris Mamula","startTime":2244.131,"endTime":2246.861,"body":"And then there's two other books"},{"speaker":"Chris Mamula","startTime":2244.131,"endTime":2246.861,"body":"that kind of just branch out"},{"speaker":"Chris Mamula","startTime":2246.861,"endTime":2249.981,"body":"off of those and teach you about"},{"speaker":"Chris Mamula","startTime":2246.861,"endTime":2249.981,"body":"diversification and more risk management."},{"speaker":"Chris Mamula","startTime":2250.311,"endTime":2254.001,"body":"And that's our Rick fairies"},{"speaker":"Chris Mamula","startTime":2250.311,"endTime":2254.001,"body":"all about asset allocation and."},{"speaker":"Chris Mamula","startTime":2254.214,"endTime":2256.554,"body":"William Bernstein's now I'm gonna"},{"speaker":"Chris Mamula","startTime":2254.214,"endTime":2256.554,"body":"blank on, I think it's called now."},{"speaker":"Chris Mamula","startTime":2256.554,"endTime":2259.354,"body":"It's right on my tail for the"},{"speaker":"Chris Mamula","startTime":2256.554,"endTime":2259.354,"body":"intelligent asset allocator."},{"speaker":"Chris Mamula","startTime":2259.404,"endTime":2262.584,"body":"So those four books are really the"},{"speaker":"Chris Mamula","startTime":2259.404,"endTime":2262.584,"body":"four that I recommend starting with."},{"speaker":"Chris Mamula","startTime":2262.584,"endTime":2263.484,"body":"And there's nothing magical."},{"speaker":"Chris Mamula","startTime":2263.484,"endTime":2266.244,"body":"It's not like there's not other good"},{"speaker":"Chris Mamula","startTime":2263.484,"endTime":2266.244,"body":"books, but I would start there before"},{"speaker":"Chris Mamula","startTime":2266.244,"endTime":2267.414,"body":"you start putting your money at risk."},{"speaker":"Chris Mamula","startTime":2267.684,"endTime":2270.534,"body":"And again, like if you're taking"},{"speaker":"Chris Mamula","startTime":2267.684,"endTime":2270.534,"body":"two or three months, that's"},{"speaker":"Chris Mamula","startTime":2270.534,"endTime":2271.944,"body":"probably prudent and wise."},{"speaker":"Chris Mamula","startTime":2272.124,"endTime":2274.794,"body":"If you're taking two or three years,"},{"speaker":"Chris Mamula","startTime":2272.124,"endTime":2274.794,"body":"then maybe you do need to get help"},{"speaker":"Chris Mamula","startTime":2274.794,"endTime":2276.594,"body":"because it's, there's nothing magical."},{"speaker":"Chris Mamula","startTime":2276.594,"endTime":2279.114,"body":"And at some point, if you're stuck"},{"speaker":"Chris Mamula","startTime":2276.594,"endTime":2279.114,"body":"in paralysis by analysis, you need"},{"speaker":"Chris Mamula","startTime":2279.114,"endTime":2280.517,"body":"to just start investing in your mind"},{"speaker":"Average Joe Finances","startTime":2280.657,"endTime":2280.747,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":2280.907,"endTime":2283.624,"body":"And that is definitely something"},{"speaker":"Average Joe Finances","startTime":2280.907,"endTime":2283.624,"body":"that is a term that you hear"},{"speaker":"Average Joe Finances","startTime":2283.684,"endTime":2288.064,"body":"often, especially for real estate"},{"speaker":"Average Joe Finances","startTime":2283.684,"endTime":2288.064,"body":"investors, that analysis paralysis."},{"speaker":"Average Joe Finances","startTime":2288.064,"endTime":2291.984,"body":"So again that's the whole thing"},{"speaker":"Average Joe Finances","startTime":2288.064,"endTime":2291.984,"body":"about being risk adverse, right?"},{"speaker":"Average Joe Finances","startTime":2291.984,"endTime":2293.334,"body":"You don't, you shouldn't be risk adverse."},{"speaker":"Average Joe Finances","startTime":2293.334,"endTime":2294.744,"body":"There's always going to be risk involved."},{"speaker":"Average Joe Finances","startTime":2295.134,"endTime":2296.964,"body":"If you're a very risk adverse person."},{"speaker":"Average Joe Finances","startTime":2297.474,"endTime":2301.554,"body":"You might want to start to rethink how"},{"speaker":"Average Joe Finances","startTime":2297.474,"endTime":2301.554,"body":"you're looking at your investments and"},{"speaker":"Average Joe Finances","startTime":2301.554,"endTime":2306.084,"body":"maybe look at them as less of a risk"},{"speaker":"Average Joe Finances","startTime":2301.554,"endTime":2306.084,"body":"and more of a benefactor to you in the"},{"speaker":"Average Joe Finances","startTime":2306.084,"endTime":2309.954,"body":"future for financial independence, but"},{"speaker":"Average Joe Finances","startTime":2306.084,"endTime":2309.954,"body":"just know that no matter what, there's"},{"speaker":"Average Joe Finances","startTime":2309.954,"endTime":2311.034,"body":"always a risk, no matter what you do."},{"speaker":"Average Joe Finances","startTime":2311.034,"endTime":2313.787,"body":"I mean you could wake up"},{"speaker":"Average Joe Finances","startTime":2311.034,"endTime":2313.787,"body":"one morning and go outside."},{"speaker":"Average Joe Finances","startTime":2313.787,"endTime":2315.047,"body":"You're risking your life every day."},{"speaker":"Average Joe Finances","startTime":2315.047,"endTime":2315.677,"body":"You go to work."},{"speaker":"Average Joe Finances","startTime":2315.677,"endTime":2316.427,"body":"It's, you never know."},{"speaker":"Average Joe Finances","startTime":2316.427,"endTime":2319.527,"body":"You can get into a car accident and die"},{"speaker":"Average Joe Finances","startTime":2316.427,"endTime":2319.527,"body":"tomorrow and just knock on wood that"},{"speaker":"Average Joe Finances","startTime":2319.967,"endTime":2322.367,"body":"nobody here listening has that happen,"},{"speaker":"Average Joe Finances","startTime":2319.967,"endTime":2322.367,"body":"especially if you're listening in your"},{"speaker":"Average Joe Finances","startTime":2322.367,"endTime":2324.047,"body":"car right now, don't write anything down."},{"speaker":"Average Joe Finances","startTime":2324.617,"endTime":2328.727,"body":"Relisten  to this another time when you're"},{"speaker":"Average Joe Finances","startTime":2324.617,"endTime":2328.727,"body":"not driving and then write stuff down."},{"speaker":"Average Joe Finances","startTime":2328.971,"endTime":2329.947,"body":"But anyway, Okay."},{"speaker":"Average Joe Finances","startTime":2329.947,"endTime":2332.507,"body":"Yeah that's fantastic advice,"},{"speaker":"Average Joe Finances","startTime":2329.947,"endTime":2332.507,"body":"especially to close this off."},{"speaker":"Average Joe Finances","startTime":2332.787,"endTime":2337.437,"body":"But now I have to ask you the most"},{"speaker":"Average Joe Finances","startTime":2332.787,"endTime":2337.437,"body":"important question of all, because this"},{"speaker":"Average Joe Finances","startTime":2337.437,"endTime":2338.907,"body":"has been such an awesome interview."},{"speaker":"Average Joe Finances","startTime":2338.957,"endTime":2343.697,"body":"Just the information that you're given"},{"speaker":"Average Joe Finances","startTime":2338.957,"endTime":2343.697,"body":"out here is just fantastic and I'm"},{"speaker":"Average Joe Finances","startTime":2343.697,"endTime":2345.317,"body":"really enjoying this conversation."},{"speaker":"Average Joe Finances","startTime":2345.317,"endTime":2349.627,"body":"So people are going to want to"},{"speaker":"Average Joe Finances","startTime":2345.317,"endTime":2349.627,"body":"know more about you and I'd like to"},{"speaker":"Average Joe Finances","startTime":2349.767,"endTime":2352.387,"body":"point them in the right direction"},{"speaker":"Average Joe Finances","startTime":2349.767,"endTime":2352.387,"body":"to show them how to get there."},{"speaker":"Average Joe Finances","startTime":2352.387,"endTime":2356.947,"body":"So if you could share with us, your"},{"speaker":"Average Joe Finances","startTime":2352.387,"endTime":2356.947,"body":"website or any social media profiles"},{"speaker":"Average Joe Finances","startTime":2356.947,"endTime":2359.797,"body":"that, that people can follow and"},{"speaker":"Average Joe Finances","startTime":2356.947,"endTime":2359.797,"body":"check out to learn more about Chris."},{"speaker":"Chris Mamula","startTime":2360.397,"endTime":2360.547,"body":"Yeah."},{"speaker":"Chris Mamula","startTime":2360.547,"endTime":2363.427,"body":"So I think I really writes"},{"speaker":"Chris Mamula","startTime":2360.547,"endTime":2363.427,"body":"to two different audiences."},{"speaker":"Chris Mamula","startTime":2363.457,"endTime":2366.457,"body":"So for the people that are in the,"},{"speaker":"Chris Mamula","startTime":2363.457,"endTime":2366.457,"body":"that are listening to this and it"},{"speaker":"Chris Mamula","startTime":2366.457,"endTime":2369.007,"body":"maybe got your interest, but you're"},{"speaker":"Chris Mamula","startTime":2366.457,"endTime":2369.007,"body":"just getting started and you're"},{"speaker":"Chris Mamula","startTime":2369.007,"endTime":2370.147,"body":"not quite sure where to start."},{"speaker":"Chris Mamula","startTime":2370.397,"endTime":2373.667,"body":"My book is called Choose F I Your"},{"speaker":"Chris Mamula","startTime":2370.397,"endTime":2373.667,"body":"Blueprint to Financial Independence."},{"speaker":"Chris Mamula","startTime":2373.997,"endTime":2375.137,"body":"And again, that's a partnership."},{"speaker":"Chris Mamula","startTime":2375.137,"endTime":2376.687,"body":"There's a podcast called Choose FI."},{"speaker":"Chris Mamula","startTime":2376.687,"endTime":2379.637,"body":"And so what they do is interview"},{"speaker":"Chris Mamula","startTime":2376.687,"endTime":2379.637,"body":"a bunch of different people."},{"speaker":"Chris Mamula","startTime":2379.847,"endTime":2383.147,"body":"Who've taken all kinds of different paths"},{"speaker":"Chris Mamula","startTime":2379.847,"endTime":2383.147,"body":"to achieve financial independence quickly."},{"speaker":"Chris Mamula","startTime":2383.507,"endTime":2385.847,"body":"And what we did with the book"},{"speaker":"Chris Mamula","startTime":2383.507,"endTime":2385.847,"body":"is we just broke those down into"},{"speaker":"Chris Mamula","startTime":2385.847,"endTime":2387.287,"body":"principles that can be applied."},{"speaker":"Chris Mamula","startTime":2387.287,"endTime":2388.667,"body":"So you can pick and choose."},{"speaker":"Chris Mamula","startTime":2388.667,"endTime":2391.007,"body":"We call it like a, choose your own"},{"speaker":"Chris Mamula","startTime":2388.667,"endTime":2391.007,"body":"adventure, where you take the things"},{"speaker":"Chris Mamula","startTime":2391.007,"endTime":2394.607,"body":"that you like and apply them to your own"},{"speaker":"Chris Mamula","startTime":2391.007,"endTime":2394.607,"body":"scenario and you just throw the rest away."},{"speaker":"Chris Mamula","startTime":2394.927,"endTime":2397.957,"body":"And so that's probably the best"},{"speaker":"Chris Mamula","startTime":2394.927,"endTime":2397.957,"body":"place if you're early in your journey"},{"speaker":"Chris Mamula","startTime":2398.287,"endTime":2401.587,"body":"and then my regular home on the"},{"speaker":"Chris Mamula","startTime":2398.287,"endTime":2401.587,"body":"internet it's at, can I retire yet?"},{"speaker":"Chris Mamula","startTime":2401.717,"endTime":2405.787,"body":"And there, I kind of . It's a lot about"},{"speaker":"Chris Mamula","startTime":2401.717,"endTime":2405.787,"body":"my personal journey and where I am now."},{"speaker":"Chris Mamula","startTime":2405.787,"endTime":2409.427,"body":"So the struggles we talked about as"},{"speaker":"Chris Mamula","startTime":2405.787,"endTime":2409.427,"body":"we transition from that point of being"},{"speaker":"Chris Mamula","startTime":2409.427,"endTime":2413.537,"body":"savers, to drawing down our investments"},{"speaker":"Chris Mamula","startTime":2409.427,"endTime":2413.537,"body":"and just determining when do you have"},{"speaker":"Chris Mamula","startTime":2413.537,"endTime":2417.767,"body":"enough and what do you do with this next"},{"speaker":"Chris Mamula","startTime":2413.537,"endTime":2417.767,"body":"phase of life when you don't have to work?"},{"speaker":"Chris Mamula","startTime":2417.767,"endTime":2419.357,"body":"What are you going to"},{"speaker":"Chris Mamula","startTime":2417.767,"endTime":2419.357,"body":"get purpose and meaning?"},{"speaker":"Chris Mamula","startTime":2419.597,"endTime":2421.267,"body":"And we dive into a lot"},{"speaker":"Chris Mamula","startTime":2419.597,"endTime":2421.267,"body":"of those topics there."},{"speaker":"Chris Mamula","startTime":2421.267,"endTime":2424.327,"body":"So that's at, canIretireyet.com"},{"speaker":"Chris Mamula","startTime":2421.267,"endTime":2424.327,"body":"and if you want to reach me,"},{"speaker":"Chris Mamula","startTime":2424.327,"endTime":2425.597,"body":"that's where I'm very responsive."},{"speaker":"Average Joe Finances","startTime":2426.057,"endTime":2426.777,"body":"Fantastic."},{"speaker":"Average Joe Finances","startTime":2426.777,"endTime":2429.007,"body":"So I'll definitely make"},{"speaker":"Average Joe Finances","startTime":2426.777,"endTime":2429.007,"body":"sure we have links to that."},{"speaker":"Average Joe Finances","startTime":2429.317,"endTime":2430.427,"body":"And a link to the book."},{"speaker":"Average Joe Finances","startTime":2430.497,"endTime":2432.177,"body":"Is it on Amazon or it's on"},{"speaker":"Chris Mamula","startTime":2432.177,"endTime":2433.857,"body":"Amazon or"},{"speaker":"Chris Mamula","startTime":2432.177,"endTime":2433.857,"body":"anywhere you buy books?"},{"speaker":"Chris Mamula","startTime":2433.857,"endTime":2434.037,"body":"Yep."},{"speaker":"Average Joe Finances","startTime":2434.127,"endTime":2434.457,"body":"Awesome."},{"speaker":"Average Joe Finances","startTime":2434.457,"endTime":2437.757,"body":"Yeah, we'll definitely have a link to"},{"speaker":"Average Joe Finances","startTime":2434.457,"endTime":2437.757,"body":"you to your websites and also to to the"},{"speaker":"Average Joe Finances","startTime":2437.757,"endTime":2442.227,"body":"book, because that's just phenomenal"},{"speaker":"Average Joe Finances","startTime":2437.757,"endTime":2442.227,"body":"outstanding resources also to the"},{"speaker":"Average Joe Finances","startTime":2442.227,"endTime":2445.257,"body":"books that you mentioned in here as"},{"speaker":"Average Joe Finances","startTime":2442.227,"endTime":2445.257,"body":"foundational books I'll make sure that"},{"speaker":"Average Joe Finances","startTime":2445.617,"endTime":2449.847,"body":"those get a note, a spot in the notes as"},{"speaker":"Average Joe Finances","startTime":2445.617,"endTime":2449.847,"body":"well, because it's important to build a"},{"speaker":"Average Joe Finances","startTime":2449.847,"endTime":2452.967,"body":"foundation, a strong foundation before"},{"speaker":"Average Joe Finances","startTime":2449.847,"endTime":2452.967,"body":"you get started in anything like this."},{"speaker":"Average Joe Finances","startTime":2452.967,"endTime":2456.297,"body":"And like you said, to take that two to"},{"speaker":"Average Joe Finances","startTime":2452.967,"endTime":2456.297,"body":"three month period and really educate"},{"speaker":"Average Joe Finances","startTime":2456.297,"endTime":2460.347,"body":"yourself first, before you get started"},{"speaker":"Average Joe Finances","startTime":2456.297,"endTime":2460.347,"body":"is super important because if you just"},{"speaker":"Average Joe Finances","startTime":2460.347,"endTime":2463.267,"body":"jump in and you don't know what you're"},{"speaker":"Average Joe Finances","startTime":2460.347,"endTime":2463.267,"body":"doing, that whole thing that we talked"},{"speaker":"Average Joe Finances","startTime":2463.267,"endTime":2466.547,"body":"about with risk while you're being even"},{"speaker":"Average Joe Finances","startTime":2463.267,"endTime":2466.547,"body":"more risky at that point, definitely"},{"speaker":"Average Joe Finances","startTime":2466.547,"endTime":2468.187,"body":"educate yourself before you get started."},{"speaker":"Average Joe Finances","startTime":2468.697,"endTime":2469.627,"body":"Fantastic advice."},{"speaker":"Average Joe Finances","startTime":2469.627,"endTime":2471.127,"body":"Fantastic interview, Chris."},{"speaker":"Average Joe Finances","startTime":2471.327,"endTime":2472.867,"body":"This has been an absolute pleasure."},{"speaker":"Average Joe Finances","startTime":2473.207,"endTime":2477.547,"body":"I sincerely appreciate you taking the"},{"speaker":"Average Joe Finances","startTime":2473.207,"endTime":2477.547,"body":"time to talk with me today and all the"},{"speaker":"Average Joe Finances","startTime":2477.547,"endTime":2479.257,"body":"way from Utah and I'm out here in Hawaii."},{"speaker":"Average Joe Finances","startTime":2479.257,"endTime":2479.907,"body":"It's amazing."},{"speaker":"Average Joe Finances","startTime":2479.907,"endTime":2481.317,"body":"The technology we have today."},{"speaker":"Chris Mamula","startTime":2481.554,"endTime":2483.864,"body":"Yes, it's been fun and"},{"speaker":"Chris Mamula","startTime":2481.554,"endTime":2483.864,"body":"maybe I'll have to come see you person."},{"speaker":"Chris Mamula","startTime":2483.884,"endTime":2484.544,"body":"That's on my list."},{"speaker":"Chris Mamula","startTime":2484.544,"endTime":2485.354,"body":"I've not been Hawaii."},{"speaker":"Average Joe Finances","startTime":2486.474,"endTime":2488.304,"body":"When you come"},{"speaker":"Average Joe Finances","startTime":2486.474,"endTime":2488.304,"body":"out here, definitely hit me up."},{"speaker":"Average Joe Finances","startTime":2488.334,"endTime":2489.054,"body":"We'll get together."},{"speaker":"Chris Mamula","startTime":2490.074,"endTime":2490.764,"body":"We'll do that."},{"speaker":"Average Joe Finances","startTime":2490.974,"endTime":2491.334,"body":"All right."},{"speaker":"Average Joe Finances","startTime":2491.334,"endTime":2491.814,"body":"Aloha."}]}