{"version":"1.0.0","segments":[{"speaker":"Evon","startTime":4.44,"endTime":4.56,"body":"Hey,"},{"speaker":"Evon","startTime":4.56,"endTime":4.89,"body":"everybody."},{"speaker":"Evon","startTime":4.89,"endTime":5.22,"body":"Welcome"},{"speaker":"Evon","startTime":5.22,"endTime":5.55,"body":"back"},{"speaker":"Evon","startTime":5.55,"endTime":5.64,"body":"to"},{"speaker":"Evon","startTime":5.64,"endTime":5.76,"body":"The"},{"speaker":"Evon","startTime":5.76,"endTime":6.27,"body":"Optometry"},{"speaker":"Evon","startTime":6.27,"endTime":6.48,"body":"Money"},{"speaker":"Evon","startTime":6.48,"endTime":7.11,"body":"Podcast,"},{"speaker":"Evon","startTime":7.11,"endTime":7.2,"body":"where"},{"speaker":"Evon","startTime":7.2,"endTime":7.35,"body":"we're"},{"speaker":"Evon","startTime":7.38,"endTime":7.65,"body":"helping"},{"speaker":"Evon","startTime":7.65,"endTime":8.1,"body":"ODs"},{"speaker":"Evon","startTime":8.13,"endTime":8.4,"body":"all"},{"speaker":"Evon","startTime":8.4,"endTime":8.58,"body":"over"},{"speaker":"Evon","startTime":8.58,"endTime":8.7,"body":"the"},{"speaker":"Evon","startTime":8.7,"endTime":9.18,"body":"country"},{"speaker":"Evon","startTime":9.21,"endTime":9.48,"body":"make"},{"speaker":"Evon","startTime":9.51,"endTime":9.87,"body":"better"},{"speaker":"Evon","startTime":9.87,"endTime":10.02,"body":"and"},{"speaker":"Evon","startTime":10.02,"endTime":10.29,"body":"better"},{"speaker":"Evon","startTime":10.29,"endTime":10.86,"body":"decisions"},{"speaker":"Evon","startTime":10.86,"endTime":11.13,"body":"around"},{"speaker":"Evon","startTime":11.13,"endTime":11.37,"body":"their"},{"speaker":"Evon","startTime":11.37,"endTime":11.76,"body":"money,"},{"speaker":"Evon","startTime":12.06,"endTime":12.39,"body":"their"},{"speaker":"Evon","startTime":12.39,"endTime":13.05,"body":"careers,"},{"speaker":"Evon","startTime":13.29,"endTime":13.53,"body":"and"},{"speaker":"Evon","startTime":13.53,"endTime":13.62,"body":"their"},{"speaker":"Evon","startTime":13.62,"endTime":14.46,"body":"practices."},{"speaker":"Evon","startTime":14.82,"endTime":15.0,"body":"I"},{"speaker":"Evon","startTime":15.0,"endTime":15.09,"body":"am"},{"speaker":"Evon","startTime":15.09,"endTime":15.21,"body":"your"},{"speaker":"Evon","startTime":15.21,"endTime":15.6,"body":"host,"},{"speaker":"Evon","startTime":15.6,"endTime":15.97,"body":"Evon"},{"speaker":"Evon","startTime":15.99,"endTime":16.44,"body":"Mendrin,"},{"speaker":"Evon","startTime":16.49,"endTime":17.05,"body":"Certified"},{"speaker":"Evon","startTime":17.05,"endTime":17.48,"body":"Financial"},{"speaker":"Evon","startTime":17.48,"endTime":17.83,"body":"Planner(TM)"},{"speaker":"Evon","startTime":17.85,"endTime":18.54,"body":"practitioner"},{"speaker":"Evon","startTime":18.57,"endTime":18.81,"body":"and"},{"speaker":"Evon","startTime":18.84,"endTime":19.2,"body":"owner"},{"speaker":"Evon","startTime":19.23,"endTime":19.59,"body":"of"},{"speaker":"Evon","startTime":19.83,"endTime":20.64,"body":"Optometry"},{"speaker":"Evon","startTime":20.7,"endTime":21.0,"body":"Wealth"},{"speaker":"Evon","startTime":21.0,"endTime":21.69,"body":"Advisors"},{"speaker":"Evon","startTime":21.69,"endTime":21.87,"body":"an"},{"speaker":"Evon","startTime":21.87,"endTime":22.41,"body":"independent"},{"speaker":"Evon","startTime":22.41,"endTime":22.83,"body":"financial"},{"speaker":"Evon","startTime":22.83,"endTime":23.16,"body":"planning"},{"speaker":"Evon","startTime":23.16,"endTime":23.43,"body":"firms"},{"speaker":"Evon","startTime":23.43,"endTime":23.76,"body":"serving"},{"speaker":"Evon","startTime":23.79,"endTime":24.72,"body":"optometrists"},{"speaker":"Evon","startTime":24.81,"endTime":25.02,"body":"all"},{"speaker":"Evon","startTime":25.02,"endTime":25.17,"body":"over"},{"speaker":"Evon","startTime":25.17,"endTime":25.26,"body":"the"},{"speaker":"Evon","startTime":25.26,"endTime":25.71,"body":"country."},{"speaker":"Evon","startTime":25.71,"endTime":25.86,"body":"And"},{"speaker":"Evon","startTime":25.86,"endTime":26.04,"body":"thank"},{"speaker":"Evon","startTime":26.07,"endTime":26.16,"body":"you"},{"speaker":"Evon","startTime":26.16,"endTime":26.31,"body":"so"},{"speaker":"Evon","startTime":26.31,"endTime":26.52,"body":"much"},{"speaker":"Evon","startTime":26.52,"endTime":26.64,"body":"for"},{"speaker":"Evon","startTime":26.64,"endTime":27.03,"body":"listening."},{"speaker":"Evon","startTime":27.03,"endTime":27.3,"body":"Really"},{"speaker":"Evon","startTime":27.3,"endTime":27.75,"body":"appreciate"},{"speaker":"Evon","startTime":27.75,"endTime":27.84,"body":"your"},{"speaker":"Evon","startTime":27.84,"endTime":28.11,"body":"time"},{"speaker":"Evon","startTime":28.11,"endTime":28.56,"body":"today."},{"speaker":"Evon","startTime":28.77,"endTime":29.01,"body":"On"},{"speaker":"Evon","startTime":29.01,"endTime":29.31,"body":"today's"},{"speaker":"Evon","startTime":29.31,"endTime":29.73,"body":"episode,"},{"speaker":"Evon","startTime":29.73,"endTime":29.82,"body":"we're"},{"speaker":"Evon","startTime":29.82,"endTime":29.94,"body":"going"},{"speaker":"Evon","startTime":29.94,"endTime":29.97,"body":"to"},{"speaker":"Evon","startTime":29.97,"endTime":30.18,"body":"talk"},{"speaker":"Evon","startTime":30.24,"endTime":30.51,"body":"all"},{"speaker":"Evon","startTime":30.51,"endTime":30.93,"body":"about"},{"speaker":"Evon","startTime":30.93,"endTime":31.41,"body":"retirement"},{"speaker":"Evon","startTime":31.41,"endTime":31.77,"body":"plans"},{"speaker":"Evon","startTime":31.8,"endTime":31.92,"body":"in"},{"speaker":"Evon","startTime":31.92,"endTime":31.98,"body":"the"},{"speaker":"Evon","startTime":31.98,"endTime":32.52,"body":"practice."},{"speaker":"Evon","startTime":32.55,"endTime":32.85,"body":"And"},{"speaker":"Evon","startTime":33.01,"endTime":33.19,"body":"I"},{"speaker":"Evon","startTime":33.19,"endTime":33.58,"body":"welcome"},{"speaker":"Evon","startTime":33.58,"endTime":33.88,"body":"back"},{"speaker":"Evon","startTime":33.88,"endTime":34.0,"body":"to"},{"speaker":"Evon","startTime":34.0,"endTime":34.12,"body":"the"},{"speaker":"Evon","startTime":34.12,"endTime":34.81,"body":"podcast,"},{"speaker":"Evon","startTime":34.84,"endTime":35.14,"body":"Matt"},{"speaker":"Evon","startTime":35.23,"endTime":35.92,"body":"ruttenberg"},{"speaker":"Evon","startTime":35.98,"endTime":36.22,"body":"of"},{"speaker":"Evon","startTime":36.22,"endTime":36.55,"body":"Life"},{"speaker":"Evon","startTime":36.58,"endTime":36.82,"body":"Inc."},{"speaker":"Evon","startTime":36.82,"endTime":37.3,"body":"Retirement"},{"speaker":"Evon","startTime":37.33,"endTime":37.9,"body":"Services,"},{"speaker":"Evon","startTime":37.93,"endTime":38.05,"body":"a"},{"speaker":"Evon","startTime":38.05,"endTime":38.65,"body":"true"},{"speaker":"Evon","startTime":38.95,"endTime":39.73,"body":"retirement"},{"speaker":"Evon","startTime":39.73,"endTime":40.09,"body":"plan"},{"speaker":"Evon","startTime":40.09,"endTime":40.66,"body":"expert,"},{"speaker":"Evon","startTime":40.99,"endTime":41.17,"body":"and"},{"speaker":"Evon","startTime":41.17,"endTime":41.32,"body":"we"},{"speaker":"Evon","startTime":41.32,"endTime":41.65,"body":"dive"},{"speaker":"Evon","startTime":41.65,"endTime":42.04,"body":"into"},{"speaker":"Evon","startTime":42.04,"endTime":42.73,"body":"important"},{"speaker":"Evon","startTime":42.73,"endTime":43.36,"body":"changes."},{"speaker":"Evon","startTime":43.36,"endTime":43.66,"body":"Some"},{"speaker":"Evon","startTime":43.66,"endTime":43.75,"body":"of"},{"speaker":"Evon","startTime":43.75,"endTime":43.81,"body":"the"},{"speaker":"Evon","startTime":43.81,"endTime":44.26,"body":"most"},{"speaker":"Evon","startTime":44.26,"endTime":44.68,"body":"important"},{"speaker":"Evon","startTime":44.68,"endTime":45.07,"body":"changes"},{"speaker":"Evon","startTime":45.07,"endTime":45.25,"body":"that"},{"speaker":"Evon","startTime":45.25,"endTime":45.34,"body":"you"},{"speaker":"Evon","startTime":45.34,"endTime":45.52,"body":"need"},{"speaker":"Evon","startTime":45.52,"endTime":45.58,"body":"to"},{"speaker":"Evon","startTime":45.58,"endTime":45.82,"body":"keep"},{"speaker":"Evon","startTime":45.82,"endTime":45.91,"body":"in"},{"speaker":"Evon","startTime":45.91,"endTime":46.39,"body":"mind"},{"speaker":"Evon","startTime":46.614,"endTime":46.854,"body":"for"},{"speaker":"Evon","startTime":46.854,"endTime":47.964,"body":"2024"},{"speaker":"Evon","startTime":47.964,"endTime":48.204,"body":"and"},{"speaker":"Evon","startTime":48.204,"endTime":49.224,"body":"2025,"},{"speaker":"Evon","startTime":49.224,"endTime":49.344,"body":"when"},{"speaker":"Evon","startTime":49.344,"endTime":49.404,"body":"it"},{"speaker":"Evon","startTime":49.404,"endTime":49.614,"body":"comes"},{"speaker":"Evon","startTime":49.614,"endTime":49.764,"body":"to"},{"speaker":"Evon","startTime":49.764,"endTime":49.854,"body":"the"},{"speaker":"Evon","startTime":49.854,"endTime":50.364,"body":"retirement"},{"speaker":"Evon","startTime":50.364,"endTime":50.544,"body":"plan"},{"speaker":"Evon","startTime":50.544,"endTime":50.664,"body":"in"},{"speaker":"Evon","startTime":50.664,"endTime":50.724,"body":"the"},{"speaker":"Evon","startTime":50.724,"endTime":51.354,"body":"practice."},{"speaker":"Evon","startTime":51.754,"endTime":51.904,"body":"But"},{"speaker":"Evon","startTime":51.934,"endTime":52.054,"body":"we"},{"speaker":"Evon","startTime":52.054,"endTime":52.354,"body":"also"},{"speaker":"Evon","startTime":52.354,"endTime":52.684,"body":"dive"},{"speaker":"Evon","startTime":52.684,"endTime":53.014,"body":"into"},{"speaker":"Evon","startTime":53.014,"endTime":53.614,"body":"important"},{"speaker":"Evon","startTime":53.614,"endTime":54.064,"body":"deadlines"},{"speaker":"Evon","startTime":54.064,"endTime":54.214,"body":"that"},{"speaker":"Evon","startTime":54.214,"endTime":54.334,"body":"you"},{"speaker":"Evon","startTime":54.334,"endTime":54.514,"body":"need"},{"speaker":"Evon","startTime":54.514,"endTime":54.604,"body":"to"},{"speaker":"Evon","startTime":54.604,"endTime":54.874,"body":"know."},{"speaker":"Evon","startTime":55.354,"endTime":56.014,"body":"Especially,"},{"speaker":"Evon","startTime":56.014,"endTime":56.104,"body":"if"},{"speaker":"Evon","startTime":56.104,"endTime":56.194,"body":"you"},{"speaker":"Evon","startTime":56.194,"endTime":56.284,"body":"are"},{"speaker":"Evon","startTime":56.284,"endTime":56.584,"body":"planning"},{"speaker":"Evon","startTime":56.614,"endTime":56.794,"body":"to"},{"speaker":"Evon","startTime":56.794,"endTime":57.124,"body":"start"},{"speaker":"Evon","startTime":57.124,"endTime":57.274,"body":"a"},{"speaker":"Evon","startTime":57.304,"endTime":57.844,"body":"new,"},{"speaker":"Evon","startTime":58.084,"endTime":58.534,"body":"safe"},{"speaker":"Evon","startTime":58.534,"endTime":58.864,"body":"Harbor"},{"speaker":"Evon","startTime":58.864,"endTime":59.464,"body":"401k"},{"speaker":"Evon","startTime":59.464,"endTime":59.764,"body":"plan"},{"speaker":"Evon","startTime":59.764,"endTime":59.914,"body":"for"},{"speaker":"Evon","startTime":59.914,"endTime":60.064,"body":"this"},{"speaker":"Evon","startTime":60.064,"endTime":60.424,"body":"calendar"},{"speaker":"Evon","startTime":60.424,"endTime":60.784,"body":"year,"},{"speaker":"Evon","startTime":61.024,"endTime":61.264,"body":"as"},{"speaker":"Evon","startTime":61.264,"endTime":61.354,"body":"well"},{"speaker":"Evon","startTime":61.354,"endTime":61.474,"body":"as"},{"speaker":"Evon","startTime":61.474,"endTime":61.924,"body":"profit"},{"speaker":"Evon","startTime":61.924,"endTime":62.194,"body":"sharing"},{"speaker":"Evon","startTime":62.194,"endTime":62.914,"body":"contribution"},{"speaker":"Evon","startTime":62.914,"endTime":63.664,"body":"deadlines"},{"speaker":"Evon","startTime":63.844,"endTime":64.144,"body":"and"},{"speaker":"Evon","startTime":64.144,"endTime":64.444,"body":"more."},{"speaker":"Evon","startTime":64.954,"endTime":65.344,"body":"Hopefully,"},{"speaker":"Evon","startTime":65.344,"endTime":65.494,"body":"this"},{"speaker":"Evon","startTime":65.494,"endTime":65.584,"body":"is"},{"speaker":"Evon","startTime":65.584,"endTime":65.884,"body":"helpful"},{"speaker":"Evon","startTime":65.884,"endTime":66.064,"body":"for"},{"speaker":"Evon","startTime":66.064,"endTime":66.274,"body":"you,"},{"speaker":"Evon","startTime":66.274,"endTime":66.514,"body":"as"},{"speaker":"Evon","startTime":66.514,"endTime":66.604,"body":"you"},{"speaker":"Evon","startTime":66.604,"endTime":66.724,"body":"were"},{"speaker":"Evon","startTime":66.724,"endTime":66.994,"body":"thinking"},{"speaker":"Evon","startTime":66.994,"endTime":67.384,"body":"about"},{"speaker":"Evon","startTime":67.574,"endTime":67.814,"body":"next"},{"speaker":"Evon","startTime":67.814,"endTime":68.234,"body":"steps"},{"speaker":"Evon","startTime":68.234,"endTime":68.504,"body":"either"},{"speaker":"Evon","startTime":68.504,"endTime":68.594,"body":"in"},{"speaker":"Evon","startTime":68.594,"endTime":69.134,"body":"starting"},{"speaker":"Evon","startTime":69.164,"endTime":69.374,"body":"or"},{"speaker":"Evon","startTime":69.374,"endTime":69.764,"body":"mending"},{"speaker":"Evon","startTime":69.764,"endTime":69.914,"body":"your"},{"speaker":"Evon","startTime":69.914,"endTime":70.424,"body":"retirement"},{"speaker":"Evon","startTime":70.424,"endTime":70.784,"body":"plan."},{"speaker":"Evon","startTime":70.834,"endTime":70.984,"body":"If"},{"speaker":"Evon","startTime":70.984,"endTime":71.074,"body":"you"},{"speaker":"Evon","startTime":71.074,"endTime":71.164,"body":"have"},{"speaker":"Evon","startTime":71.164,"endTime":71.284,"body":"any"},{"speaker":"Evon","startTime":71.284,"endTime":71.764,"body":"questions"},{"speaker":"Evon","startTime":71.764,"endTime":71.854,"body":"you"},{"speaker":"Evon","startTime":71.854,"endTime":71.974,"body":"can"},{"speaker":"Evon","startTime":71.974,"endTime":72.214,"body":"reach"},{"speaker":"Evon","startTime":72.214,"endTime":72.364,"body":"out"},{"speaker":"Evon","startTime":72.364,"endTime":72.484,"body":"to"},{"speaker":"Evon","startTime":72.484,"endTime":72.874,"body":"Matt"},{"speaker":"Evon","startTime":72.874,"endTime":72.994,"body":"or"},{"speaker":"Evon","startTime":72.994,"endTime":73.054,"body":"you"},{"speaker":"Evon","startTime":73.084,"endTime":73.234,"body":"can"},{"speaker":"Evon","startTime":73.264,"endTime":73.624,"body":"email"},{"speaker":"Evon","startTime":73.624,"endTime":73.864,"body":"me"},{"speaker":"Evon","startTime":73.864,"endTime":74.194,"body":"at"},{"speaker":"Evon","startTime":74.194,"endTime":77.844,"body":"podcast@optometrywealth.Com."},{"speaker":"Evon","startTime":78.234,"endTime":78.384,"body":"If"},{"speaker":"Evon","startTime":78.384,"endTime":78.474,"body":"you"},{"speaker":"Evon","startTime":78.474,"endTime":78.654,"body":"just"},{"speaker":"Evon","startTime":78.654,"endTime":78.774,"body":"want"},{"speaker":"Evon","startTime":78.774,"endTime":78.834,"body":"to"},{"speaker":"Evon","startTime":78.834,"endTime":78.984,"body":"say"},{"speaker":"Evon","startTime":78.984,"endTime":79.074,"body":"a"},{"speaker":"Evon","startTime":79.074,"endTime":79.614,"body":"one-way"},{"speaker":"Evon","startTime":79.614,"endTime":80.064,"body":"message,"},{"speaker":"Evon","startTime":80.064,"endTime":80.124,"body":"you"},{"speaker":"Evon","startTime":80.124,"endTime":80.244,"body":"can"},{"speaker":"Evon","startTime":80.244,"endTime":80.904,"body":"actually"},{"speaker":"Evon","startTime":81.024,"endTime":81.294,"body":"click"},{"speaker":"Evon","startTime":81.294,"endTime":81.414,"body":"on"},{"speaker":"Evon","startTime":81.414,"endTime":81.474,"body":"the"},{"speaker":"Evon","startTime":81.474,"endTime":81.714,"body":"link"},{"speaker":"Evon","startTime":81.714,"endTime":81.774,"body":"in"},{"speaker":"Evon","startTime":81.774,"endTime":81.834,"body":"the"},{"speaker":"Evon","startTime":81.864,"endTime":82.074,"body":"show"},{"speaker":"Evon","startTime":82.074,"endTime":82.374,"body":"notes"},{"speaker":"Evon","startTime":82.374,"endTime":82.494,"body":"and"},{"speaker":"Evon","startTime":82.494,"endTime":82.584,"body":"you"},{"speaker":"Evon","startTime":82.584,"endTime":82.734,"body":"can"},{"speaker":"Evon","startTime":82.734,"endTime":82.974,"body":"send"},{"speaker":"Evon","startTime":82.974,"endTime":83.124,"body":"a"},{"speaker":"Evon","startTime":83.154,"endTime":83.694,"body":"text"},{"speaker":"Evon","startTime":83.724,"endTime":83.934,"body":"to"},{"speaker":"Evon","startTime":83.934,"endTime":84.084,"body":"our"},{"speaker":"Evon","startTime":84.084,"endTime":84.384,"body":"show"},{"speaker":"Evon","startTime":84.384,"endTime":84.684,"body":"here."},{"speaker":"Evon","startTime":84.684,"endTime":84.864,"body":"So"},{"speaker":"Evon","startTime":84.864,"endTime":84.954,"body":"if"},{"speaker":"Evon","startTime":84.954,"endTime":85.044,"body":"you"},{"speaker":"Evon","startTime":85.044,"endTime":85.194,"body":"have"},{"speaker":"Evon","startTime":85.194,"endTime":85.404,"body":"any"},{"speaker":"Evon","startTime":85.404,"endTime":85.914,"body":"questions"},{"speaker":"Evon","startTime":85.914,"endTime":86.004,"body":"or"},{"speaker":"Evon","startTime":86.004,"endTime":86.334,"body":"thoughts"},{"speaker":"Evon","startTime":86.334,"endTime":86.754,"body":"about"},{"speaker":"Evon","startTime":86.784,"endTime":87.114,"body":"future"},{"speaker":"Evon","startTime":87.114,"endTime":87.804,"body":"episodes"},{"speaker":"Evon","startTime":87.804,"endTime":87.864,"body":"or"},{"speaker":"Evon","startTime":87.864,"endTime":88.074,"body":"just"},{"speaker":"Evon","startTime":88.104,"endTime":88.674,"body":"feedback,"},{"speaker":"Evon","startTime":88.674,"endTime":88.764,"body":"you"},{"speaker":"Evon","startTime":88.764,"endTime":88.914,"body":"can"},{"speaker":"Evon","startTime":88.914,"endTime":88.974,"body":"go"},{"speaker":"Evon","startTime":88.974,"endTime":89.154,"body":"ahead"},{"speaker":"Evon","startTime":89.154,"endTime":89.244,"body":"and"},{"speaker":"Evon","startTime":89.244,"endTime":89.604,"body":"send"},{"speaker":"Evon","startTime":89.604,"endTime":89.664,"body":"a"},{"speaker":"Evon","startTime":89.664,"endTime":89.904,"body":"one"},{"speaker":"Evon","startTime":89.904,"endTime":90.024,"body":"way"},{"speaker":"Evon","startTime":90.024,"endTime":90.474,"body":"message"},{"speaker":"Evon","startTime":90.474,"endTime":90.594,"body":"to"},{"speaker":"Evon","startTime":90.594,"endTime":90.744,"body":"me"},{"speaker":"Evon","startTime":90.744,"endTime":90.894,"body":"as"},{"speaker":"Evon","startTime":90.894,"endTime":91.314,"body":"well."},{"speaker":"Evon","startTime":91.918,"endTime":92.128,"body":"I'm"},{"speaker":"Evon","startTime":92.128,"endTime":92.398,"body":"also"},{"speaker":"Evon","startTime":92.398,"endTime":92.548,"body":"going"},{"speaker":"Evon","startTime":92.548,"endTime":92.608,"body":"to"},{"speaker":"Evon","startTime":92.608,"endTime":92.908,"body":"add"},{"speaker":"Evon","startTime":92.908,"endTime":93.418,"body":"in"},{"speaker":"Evon","startTime":93.448,"endTime":93.928,"body":"past"},{"speaker":"Evon","startTime":93.928,"endTime":94.468,"body":"episodes."},{"speaker":"Evon","startTime":94.468,"endTime":94.678,"body":"I'd"},{"speaker":"Evon","startTime":94.678,"endTime":94.828,"body":"done"},{"speaker":"Evon","startTime":94.858,"endTime":94.978,"body":"with"},{"speaker":"Evon","startTime":95.008,"endTime":95.368,"body":"Matt"},{"speaker":"Evon","startTime":95.368,"endTime":95.518,"body":"as"},{"speaker":"Evon","startTime":95.518,"endTime":95.638,"body":"well"},{"speaker":"Evon","startTime":95.638,"endTime":95.758,"body":"as"},{"speaker":"Evon","startTime":95.758,"endTime":96.298,"body":"episodes"},{"speaker":"Evon","startTime":96.358,"endTime":96.628,"body":"I've"},{"speaker":"Evon","startTime":96.628,"endTime":96.928,"body":"done"},{"speaker":"Evon","startTime":96.928,"endTime":97.078,"body":"on"},{"speaker":"Evon","startTime":97.078,"endTime":97.168,"body":"the"},{"speaker":"Evon","startTime":97.168,"endTime":97.588,"body":"SECURE"},{"speaker":"Evon","startTime":97.588,"endTime":97.918,"body":"Act"},{"speaker":"Evon","startTime":97.948,"endTime":98.548,"body":"2.0"},{"speaker":"Evon","startTime":98.548,"endTime":98.938,"body":"law."},{"speaker":"Evon","startTime":99.298,"endTime":99.628,"body":"Because"},{"speaker":"Evon","startTime":99.628,"endTime":99.778,"body":"there's"},{"speaker":"Evon","startTime":99.778,"endTime":99.868,"body":"a"},{"speaker":"Evon","startTime":99.868,"endTime":100.228,"body":"lot"},{"speaker":"Evon","startTime":100.228,"endTime":100.498,"body":"more"},{"speaker":"Evon","startTime":100.498,"endTime":100.618,"body":"to"},{"speaker":"Evon","startTime":100.618,"endTime":100.858,"body":"dive"},{"speaker":"Evon","startTime":100.858,"endTime":101.128,"body":"into"},{"speaker":"Evon","startTime":101.128,"endTime":101.518,"body":"related"},{"speaker":"Evon","startTime":101.518,"endTime":101.668,"body":"to"},{"speaker":"Evon","startTime":101.668,"endTime":102.238,"body":"retirement"},{"speaker":"Evon","startTime":102.238,"endTime":102.688,"body":"plans"},{"speaker":"Evon","startTime":102.748,"endTime":102.988,"body":"and"},{"speaker":"Evon","startTime":102.988,"endTime":103.348,"body":"recent"},{"speaker":"Evon","startTime":103.348,"endTime":103.948,"body":"changes."},{"speaker":"Evon","startTime":104.128,"endTime":104.308,"body":"So"},{"speaker":"Evon","startTime":104.308,"endTime":104.668,"body":"hopefully"},{"speaker":"Evon","startTime":104.668,"endTime":104.908,"body":"those"},{"speaker":"Evon","startTime":104.908,"endTime":105.448,"body":"episodes"},{"speaker":"Evon","startTime":105.448,"endTime":105.628,"body":"are"},{"speaker":"Evon","startTime":105.628,"endTime":106.018,"body":"helpful"},{"speaker":"Evon","startTime":106.018,"endTime":106.198,"body":"to"},{"speaker":"Evon","startTime":106.198,"endTime":106.288,"body":"you."},{"speaker":"Evon","startTime":106.288,"endTime":106.378,"body":"I"},{"speaker":"Evon","startTime":106.378,"endTime":106.498,"body":"mean,"},{"speaker":"Evon","startTime":106.498,"endTime":106.648,"body":"there's"},{"speaker":"Evon","startTime":106.648,"endTime":106.888,"body":"even"},{"speaker":"Evon","startTime":106.888,"endTime":107.098,"body":"some"},{"speaker":"Evon","startTime":107.098,"endTime":107.548,"body":"changes"},{"speaker":"Evon","startTime":107.548,"endTime":107.668,"body":"we"},{"speaker":"Evon","startTime":107.668,"endTime":107.908,"body":"didn't"},{"speaker":"Evon","startTime":107.908,"endTime":108.088,"body":"get"},{"speaker":"Evon","startTime":108.088,"endTime":108.448,"body":"into,"},{"speaker":"Evon","startTime":108.448,"endTime":108.628,"body":"for"},{"speaker":"Evon","startTime":108.628,"endTime":109.198,"body":"example,"},{"speaker":"Evon","startTime":109.478,"endTime":109.568,"body":"if"},{"speaker":"Evon","startTime":109.568,"endTime":109.658,"body":"you"},{"speaker":"Evon","startTime":109.658,"endTime":109.898,"body":"have"},{"speaker":"Evon","startTime":109.898,"endTime":109.958,"body":"a"},{"speaker":"Evon","startTime":109.958,"endTime":110.318,"body":"SIMPLE"},{"speaker":"Evon","startTime":110.318,"endTime":110.618,"body":"IRA"},{"speaker":"Evon","startTime":110.618,"endTime":110.798,"body":"plan"},{"speaker":"Evon","startTime":110.828,"endTime":110.888,"body":"of"},{"speaker":"Evon","startTime":110.888,"endTime":110.948,"body":"the"},{"speaker":"Evon","startTime":110.978,"endTime":111.548,"body":"practice,"},{"speaker":"Evon","startTime":111.578,"endTime":111.938,"body":"there's"},{"speaker":"Evon","startTime":111.938,"endTime":112.568,"body":"potentially"},{"speaker":"Evon","startTime":112.568,"endTime":112.808,"body":"an"},{"speaker":"Evon","startTime":112.838,"endTime":113.408,"body":"additional"},{"speaker":"Evon","startTime":113.408,"endTime":114.098,"body":"10%"},{"speaker":"Evon","startTime":114.098,"endTime":114.368,"body":"bump"},{"speaker":"Evon","startTime":114.368,"endTime":114.488,"body":"in"},{"speaker":"Evon","startTime":114.488,"endTime":114.848,"body":"your"},{"speaker":"Evon","startTime":115.058,"endTime":115.538,"body":"employee"},{"speaker":"Evon","startTime":115.538,"endTime":116.228,"body":"contributions,"},{"speaker":"Evon","startTime":116.258,"endTime":116.648,"body":"depending"},{"speaker":"Evon","startTime":116.648,"endTime":116.738,"body":"on"},{"speaker":"Evon","startTime":116.748,"endTime":116.778,"body":"the"},{"speaker":"Evon","startTime":116.778,"endTime":117.048,"body":"size"},{"speaker":"Evon","startTime":117.078,"endTime":117.138,"body":"of"},{"speaker":"Evon","startTime":117.138,"endTime":117.228,"body":"the"},{"speaker":"Evon","startTime":117.228,"endTime":117.738,"body":"business"},{"speaker":"Evon","startTime":118.158,"endTime":118.308,"body":"uh,"},{"speaker":"Evon","startTime":118.368,"endTime":118.518,"body":"in"},{"speaker":"Evon","startTime":118.518,"endTime":119.128,"body":"2024"},{"speaker":"Evon","startTime":119.148,"endTime":119.238,"body":"and"},{"speaker":"Evon","startTime":119.238,"endTime":119.538,"body":"beyond."},{"speaker":"Evon","startTime":119.588,"endTime":119.768,"body":"So"},{"speaker":"Evon","startTime":119.768,"endTime":120.008,"body":"check"},{"speaker":"Evon","startTime":120.008,"endTime":120.128,"body":"out"},{"speaker":"Evon","startTime":120.128,"endTime":120.278,"body":"those"},{"speaker":"Evon","startTime":120.278,"endTime":120.728,"body":"episodes"},{"speaker":"Evon","startTime":120.728,"endTime":120.878,"body":"as"},{"speaker":"Evon","startTime":120.878,"endTime":121.058,"body":"well."},{"speaker":"Evon","startTime":121.088,"endTime":121.178,"body":"You"},{"speaker":"Evon","startTime":121.208,"endTime":121.358,"body":"can"},{"speaker":"Evon","startTime":121.358,"endTime":121.688,"body":"find"},{"speaker":"Evon","startTime":121.688,"endTime":121.808,"body":"them"},{"speaker":"Evon","startTime":121.808,"endTime":122.018,"body":"at"},{"speaker":"Evon","startTime":122.018,"endTime":122.198,"body":"the"},{"speaker":"Evon","startTime":122.198,"endTime":122.888,"body":"education"},{"speaker":"Evon","startTime":122.888,"endTime":123.098,"body":"hub"},{"speaker":"Evon","startTime":123.128,"endTime":123.248,"body":"on"},{"speaker":"Evon","startTime":123.248,"endTime":123.368,"body":"my"},{"speaker":"Evon","startTime":123.368,"endTime":123.908,"body":"website,"},{"speaker":"Evon","startTime":123.978,"endTime":126.738,"body":"www.optometrywealth.Com."},{"speaker":"Evon","startTime":127.358,"endTime":127.628,"body":"And"},{"speaker":"Evon","startTime":127.628,"endTime":127.778,"body":"while"},{"speaker":"Evon","startTime":127.778,"endTime":127.928,"body":"you're"},{"speaker":"Evon","startTime":127.928,"endTime":128.288,"body":"there,"},{"speaker":"Evon","startTime":128.318,"endTime":128.588,"body":"check"},{"speaker":"Evon","startTime":128.588,"endTime":128.738,"body":"out"},{"speaker":"Evon","startTime":128.738,"endTime":128.948,"body":"all"},{"speaker":"Evon","startTime":128.948,"endTime":129.068,"body":"the"},{"speaker":"Evon","startTime":129.068,"endTime":129.278,"body":"other"},{"speaker":"Evon","startTime":129.278,"endTime":129.908,"body":"episodes"},{"speaker":"Evon","startTime":129.908,"endTime":130.118,"body":"and"},{"speaker":"Evon","startTime":130.118,"endTime":130.688,"body":"other"},{"speaker":"Evon","startTime":130.748,"endTime":131.048,"body":"blog"},{"speaker":"Evon","startTime":131.078,"endTime":131.408,"body":"posts,"},{"speaker":"Evon","startTime":131.408,"endTime":131.858,"body":"articles"},{"speaker":"Evon","startTime":131.888,"endTime":132.068,"body":"we've"},{"speaker":"Evon","startTime":132.068,"endTime":132.458,"body":"done."},{"speaker":"Evon","startTime":132.768,"endTime":132.918,"body":"And"},{"speaker":"Evon","startTime":132.918,"endTime":133.038,"body":"if"},{"speaker":"Evon","startTime":133.038,"endTime":133.128,"body":"you're"},{"speaker":"Evon","startTime":133.128,"endTime":133.518,"body":"curious"},{"speaker":"Evon","startTime":133.518,"endTime":133.728,"body":"about"},{"speaker":"Evon","startTime":133.728,"endTime":133.998,"body":"working"},{"speaker":"Evon","startTime":133.998,"endTime":134.148,"body":"with"},{"speaker":"Evon","startTime":134.148,"endTime":134.298,"body":"my"},{"speaker":"Evon","startTime":134.298,"endTime":134.608,"body":"firm"},{"speaker":"Evon","startTime":134.628,"endTime":135.078,"body":"Optometry"},{"speaker":"Evon","startTime":135.078,"endTime":135.288,"body":"Wealth"},{"speaker":"Evon","startTime":135.288,"endTime":135.738,"body":"Advisors"},{"speaker":"Evon","startTime":135.738,"endTime":135.858,"body":"to"},{"speaker":"Evon","startTime":135.858,"endTime":136.248,"body":"serve"},{"speaker":"Evon","startTime":136.278,"endTime":136.518,"body":"you"},{"speaker":"Evon","startTime":136.518,"endTime":136.638,"body":"and"},{"speaker":"Evon","startTime":136.638,"endTime":136.758,"body":"your"},{"speaker":"Evon","startTime":136.758,"endTime":137.238,"body":"family,"},{"speaker":"Evon","startTime":137.478,"endTime":137.628,"body":"you"},{"speaker":"Evon","startTime":137.628,"endTime":137.748,"body":"can"},{"speaker":"Evon","startTime":137.748,"endTime":137.958,"body":"also"},{"speaker":"Evon","startTime":137.958,"endTime":138.378,"body":"schedule"},{"speaker":"Evon","startTime":138.378,"endTime":138.498,"body":"a"},{"speaker":"Evon","startTime":138.498,"endTime":138.828,"body":"no"},{"speaker":"Evon","startTime":138.828,"endTime":139.308,"body":"commitment,"},{"speaker":"Evon","startTime":139.338,"endTime":139.878,"body":"introductory"},{"speaker":"Evon","startTime":139.908,"endTime":140.268,"body":"call."},{"speaker":"Evon","startTime":140.568,"endTime":140.718,"body":"We"},{"speaker":"Evon","startTime":140.718,"endTime":140.838,"body":"can"},{"speaker":"Evon","startTime":140.838,"endTime":141.048,"body":"talk"},{"speaker":"Evon","startTime":141.048,"endTime":141.258,"body":"about"},{"speaker":"Evon","startTime":141.258,"endTime":141.708,"body":"whatever's"},{"speaker":"Evon","startTime":141.708,"endTime":141.888,"body":"on"},{"speaker":"Evon","startTime":141.888,"endTime":142.038,"body":"your"},{"speaker":"Evon","startTime":142.038,"endTime":142.278,"body":"mind"},{"speaker":"Evon","startTime":142.278,"endTime":142.848,"body":"financially."},{"speaker":"Evon","startTime":142.878,"endTime":143.028,"body":"And"},{"speaker":"Evon","startTime":143.028,"endTime":143.118,"body":"I"},{"speaker":"Evon","startTime":143.118,"endTime":143.238,"body":"can"},{"speaker":"Evon","startTime":143.238,"endTime":143.508,"body":"share"},{"speaker":"Evon","startTime":143.508,"endTime":143.838,"body":"how"},{"speaker":"Evon","startTime":143.838,"endTime":143.958,"body":"I"},{"speaker":"Evon","startTime":143.958,"endTime":144.258,"body":"serve"},{"speaker":"Evon","startTime":144.258,"endTime":145.278,"body":"optometrists,"},{"speaker":"Evon","startTime":145.368,"endTime":145.938,"body":"navigate"},{"speaker":"Evon","startTime":145.938,"endTime":146.148,"body":"those"},{"speaker":"Evon","startTime":146.148,"endTime":146.478,"body":"same"},{"speaker":"Evon","startTime":146.478,"endTime":147.108,"body":"decisions"},{"speaker":"Evon","startTime":147.108,"endTime":147.288,"body":"and"},{"speaker":"Evon","startTime":147.318,"endTime":147.528,"body":"some"},{"speaker":"Evon","startTime":147.528,"endTime":147.618,"body":"of"},{"speaker":"Evon","startTime":147.618,"endTime":147.828,"body":"these"},{"speaker":"Evon","startTime":147.828,"endTime":148.128,"body":"fun"},{"speaker":"Evon","startTime":148.128,"endTime":148.608,"body":"financial"},{"speaker":"Evon","startTime":148.638,"endTime":148.968,"body":"planning"},{"speaker":"Evon","startTime":148.968,"endTime":149.658,"body":"decisions"},{"speaker":"Evon","startTime":149.928,"endTime":150.738,"body":"nationwide."},{"speaker":"Evon","startTime":151.348,"endTime":151.558,"body":"And"},{"speaker":"Evon","startTime":151.558,"endTime":151.798,"body":"without"},{"speaker":"Evon","startTime":151.798,"endTime":152.128,"body":"further"},{"speaker":"Evon","startTime":152.128,"endTime":152.488,"body":"ado"},{"speaker":"Evon","startTime":152.518,"endTime":152.758,"body":"here"},{"speaker":"Evon","startTime":152.758,"endTime":152.938,"body":"is"},{"speaker":"Evon","startTime":152.938,"endTime":153.148,"body":"my"},{"speaker":"Evon","startTime":153.148,"endTime":153.808,"body":"conversation"},{"speaker":"Evon","startTime":153.808,"endTime":154.168,"body":"with"},{"speaker":"Evon","startTime":154.288,"endTime":154.708,"body":"Matt"},{"speaker":"Evon","startTime":154.708,"endTime":155.278,"body":"Ruttenberg."},{"speaker":"Evon","startTime":161.473,"endTime":161.923,"body":"Welcome"},{"speaker":"Evon","startTime":161.923,"endTime":162.253,"body":"back"},{"speaker":"Evon","startTime":162.253,"endTime":162.373,"body":"to"},{"speaker":"Evon","startTime":162.373,"endTime":162.523,"body":"the"},{"speaker":"Evon","startTime":162.528,"endTime":163.003,"body":"Optometry"},{"speaker":"Evon","startTime":163.003,"endTime":163.213,"body":"Money"},{"speaker":"Evon","startTime":163.213,"endTime":163.963,"body":"Podcast."},{"speaker":"Evon","startTime":163.963,"endTime":164.143,"body":"I"},{"speaker":"Evon","startTime":164.143,"endTime":164.233,"body":"am"},{"speaker":"Evon","startTime":164.238,"endTime":164.353,"body":"your"},{"speaker":"Evon","startTime":164.353,"endTime":164.713,"body":"host"},{"speaker":"Evon","startTime":164.713,"endTime":165.113,"body":"Evon"},{"speaker":"Evon","startTime":165.113,"endTime":165.533,"body":"Mendrin,"},{"speaker":"Evon","startTime":165.553,"endTime":165.823,"body":"and"},{"speaker":"Evon","startTime":165.823,"endTime":166.063,"body":"on"},{"speaker":"Evon","startTime":166.063,"endTime":166.483,"body":"today's"},{"speaker":"Evon","startTime":166.483,"endTime":167.143,"body":"episode,"},{"speaker":"Evon","startTime":167.443,"endTime":167.713,"body":"I'm"},{"speaker":"Evon","startTime":167.713,"endTime":168.163,"body":"excited"},{"speaker":"Evon","startTime":168.168,"endTime":168.283,"body":"to"},{"speaker":"Evon","startTime":168.283,"endTime":168.703,"body":"have"},{"speaker":"Evon","startTime":168.703,"endTime":169.093,"body":"back"},{"speaker":"Evon","startTime":169.098,"endTime":169.423,"body":"onto"},{"speaker":"Evon","startTime":169.423,"endTime":169.573,"body":"the"},{"speaker":"Evon","startTime":169.573,"endTime":170.143,"body":"podcast"},{"speaker":"Evon","startTime":170.143,"endTime":170.383,"body":"once"},{"speaker":"Evon","startTime":170.383,"endTime":170.833,"body":"again,"},{"speaker":"Evon","startTime":171.013,"endTime":171.403,"body":"Matt"},{"speaker":"Evon","startTime":171.403,"endTime":171.973,"body":"Ruttenberg"},{"speaker":"Evon","startTime":171.973,"endTime":172.303,"body":"with"},{"speaker":"Evon","startTime":172.333,"endTime":172.753,"body":"Life"},{"speaker":"Evon","startTime":172.753,"endTime":173.113,"body":"Inc."},{"speaker":"Evon","startTime":173.173,"endTime":173.713,"body":"Retirement"},{"speaker":"Evon","startTime":173.713,"endTime":174.133,"body":"Services."},{"speaker":"Evon","startTime":174.133,"endTime":174.343,"body":"Matt,"},{"speaker":"Evon","startTime":174.343,"endTime":174.553,"body":"thank"},{"speaker":"Evon","startTime":174.553,"endTime":174.643,"body":"you"},{"speaker":"Evon","startTime":174.648,"endTime":174.768,"body":"so"},{"speaker":"Evon","startTime":174.768,"endTime":174.848,"body":"much"},{"speaker":"Evon","startTime":174.848,"endTime":175.048,"body":"for"},{"speaker":"Evon","startTime":175.048,"endTime":175.208,"body":"coming"},{"speaker":"Evon","startTime":175.208,"endTime":175.328,"body":"back"},{"speaker":"Evon","startTime":175.328,"endTime":175.448,"body":"on."},{"speaker":"Matt","startTime":176.568,"endTime":176.918,"body":"Yeah."},{"speaker":"Matt","startTime":176.918,"endTime":177.168,"body":"Thanks"},{"speaker":"Matt","startTime":177.168,"endTime":177.438,"body":"again"},{"speaker":"Matt","startTime":177.438,"endTime":177.648,"body":"for"},{"speaker":"Matt","startTime":177.648,"endTime":178.058,"body":"having"},{"speaker":"Matt","startTime":178.058,"endTime":178.498,"body":"me."},{"speaker":"Matt","startTime":178.528,"endTime":178.668,"body":"what"},{"speaker":"Matt","startTime":178.668,"endTime":178.698,"body":"are"},{"speaker":"Matt","startTime":178.698,"endTime":178.788,"body":"we"},{"speaker":"Matt","startTime":178.788,"endTime":179.018,"body":"on"},{"speaker":"Matt","startTime":179.158,"endTime":179.418,"body":"two"},{"speaker":"Matt","startTime":179.418,"endTime":179.518,"body":"or"},{"speaker":"Matt","startTime":179.518,"endTime":179.758,"body":"three"},{"speaker":"Evon","startTime":180.058,"endTime":180.288,"body":"This"},{"speaker":"Evon","startTime":180.288,"endTime":180.488,"body":"is,"},{"speaker":"Evon","startTime":180.518,"endTime":180.748,"body":"this"},{"speaker":"Evon","startTime":180.768,"endTime":180.928,"body":"is"},{"speaker":"Evon","startTime":180.928,"endTime":181.238,"body":"episode,"},{"speaker":"Evon","startTime":181.328,"endTime":181.518,"body":"this"},{"speaker":"Evon","startTime":181.518,"endTime":181.648,"body":"is"},{"speaker":"Evon","startTime":181.648,"endTime":181.888,"body":"number"},{"speaker":"Evon","startTime":181.888,"endTime":182.318,"body":"three."},{"speaker":"Evon","startTime":182.338,"endTime":182.738,"body":"Yeah."},{"speaker":"Matt","startTime":183.018,"endTime":183.188,"body":"All"},{"speaker":"Matt","startTime":183.188,"endTime":183.518,"body":"right."},{"speaker":"Matt","startTime":183.528,"endTime":183.648,"body":"All"},{"speaker":"Matt","startTime":183.648,"endTime":183.928,"body":"right."},{"speaker":"Matt","startTime":183.958,"endTime":184.188,"body":"Yeah."},{"speaker":"Matt","startTime":184.188,"endTime":184.418,"body":"Thank"},{"speaker":"Matt","startTime":184.418,"endTime":184.608,"body":"you"},{"speaker":"Matt","startTime":184.608,"endTime":184.898,"body":"for"},{"speaker":"Matt","startTime":184.898,"endTime":185.278,"body":"inviting"},{"speaker":"Matt","startTime":185.278,"endTime":185.388,"body":"me"},{"speaker":"Matt","startTime":185.398,"endTime":185.718,"body":"back."},{"speaker":"Matt","startTime":185.718,"endTime":185.728,"body":"I"},{"speaker":"Matt","startTime":185.728,"endTime":186.198,"body":"appreciate"},{"speaker":"Evon","startTime":186.348,"endTime":186.658,"body":"When"},{"speaker":"Evon","startTime":186.658,"endTime":186.768,"body":"we"},{"speaker":"Evon","startTime":186.768,"endTime":187.018,"body":"start"},{"speaker":"Evon","startTime":187.038,"endTime":187.158,"body":"to"},{"speaker":"Evon","startTime":187.158,"endTime":187.338,"body":"get"},{"speaker":"Evon","startTime":187.338,"endTime":187.468,"body":"to"},{"speaker":"Evon","startTime":187.468,"endTime":187.998,"body":"episodes"},{"speaker":"Evon","startTime":187.998,"endTime":188.388,"body":"four"},{"speaker":"Evon","startTime":188.388,"endTime":188.558,"body":"and"},{"speaker":"Evon","startTime":188.558,"endTime":188.908,"body":"five"},{"speaker":"Evon","startTime":188.908,"endTime":188.998,"body":"of"},{"speaker":"Evon","startTime":189.008,"endTime":189.158,"body":"you"},{"speaker":"Evon","startTime":189.158,"endTime":189.388,"body":"coming"},{"speaker":"Evon","startTime":189.388,"endTime":189.688,"body":"back,"},{"speaker":"Evon","startTime":189.688,"endTime":189.818,"body":"then"},{"speaker":"Evon","startTime":189.818,"endTime":189.958,"body":"we"},{"speaker":"Evon","startTime":189.958,"endTime":190.178,"body":"head"},{"speaker":"Evon","startTime":190.178,"endTime":190.438,"body":"into"},{"speaker":"Evon","startTime":190.438,"endTime":190.658,"body":"like"},{"speaker":"Evon","startTime":190.658,"endTime":190.868,"body":"co"},{"speaker":"Evon","startTime":190.868,"endTime":191.138,"body":"host"},{"speaker":"Evon","startTime":191.138,"endTime":191.678,"body":"territory."},{"speaker":"Evon","startTime":191.678,"endTime":191.758,"body":"So."},{"speaker":"Evon","startTime":191.778,"endTime":192.008,"body":"We're,"},{"speaker":"Evon","startTime":192.018,"endTime":192.298,"body":"we're,"},{"speaker":"Evon","startTime":192.318,"endTime":192.508,"body":"we're"},{"speaker":"Evon","startTime":192.508,"endTime":192.728,"body":"getting"},{"speaker":"Evon","startTime":192.728,"endTime":193.058,"body":"there."},{"speaker":"Matt","startTime":193.255,"endTime":193.435,"body":"And"},{"speaker":"Matt","startTime":193.435,"endTime":193.515,"body":"you"},{"speaker":"Matt","startTime":193.515,"endTime":193.845,"body":"mentioned"},{"speaker":"Matt","startTime":193.855,"endTime":193.985,"body":"you"},{"speaker":"Matt","startTime":193.985,"endTime":194.315,"body":"pass"},{"speaker":"Matt","startTime":194.315,"endTime":194.515,"body":"out"},{"speaker":"Matt","startTime":194.515,"endTime":194.695,"body":"like"},{"speaker":"Matt","startTime":194.695,"endTime":195.175,"body":"jackets"},{"speaker":"Matt","startTime":195.565,"endTime":195.905,"body":"for"},{"speaker":"Matt","startTime":195.915,"endTime":196.405,"body":"those."},{"speaker":"Matt","startTime":196.565,"endTime":196.665,"body":"I"},{"speaker":"Matt","startTime":196.665,"endTime":196.915,"body":"think"},{"speaker":"Evon","startTime":196.925,"endTime":197.465,"body":"That's"},{"speaker":"Evon","startTime":197.645,"endTime":197.865,"body":"right."},{"speaker":"Evon","startTime":197.875,"endTime":198.155,"body":"That's"},{"speaker":"Evon","startTime":198.155,"endTime":198.335,"body":"right."},{"speaker":"Evon","startTime":198.345,"endTime":198.595,"body":"That's"},{"speaker":"Evon","startTime":198.715,"endTime":198.895,"body":"right."},{"speaker":"Evon","startTime":200.445,"endTime":200.765,"body":"well,"},{"speaker":"Evon","startTime":200.765,"endTime":201.065,"body":"I,"},{"speaker":"Evon","startTime":201.115,"endTime":201.345,"body":"I'm"},{"speaker":"Evon","startTime":201.345,"endTime":201.725,"body":"excited"},{"speaker":"Evon","startTime":201.725,"endTime":202.035,"body":"because"},{"speaker":"Evon","startTime":202.035,"endTime":202.405,"body":"it's,"},{"speaker":"Evon","startTime":202.405,"endTime":202.685,"body":"we're"},{"speaker":"Evon","startTime":202.715,"endTime":203.135,"body":"about"},{"speaker":"Evon","startTime":203.145,"endTime":203.405,"body":"mid"},{"speaker":"Evon","startTime":203.435,"endTime":203.635,"body":"year"},{"speaker":"Evon","startTime":203.635,"endTime":204.055,"body":"now"},{"speaker":"Evon","startTime":204.165,"endTime":204.395,"body":"as"},{"speaker":"Evon","startTime":204.395,"endTime":204.525,"body":"of"},{"speaker":"Evon","startTime":204.525,"endTime":205.085,"body":"recording,"},{"speaker":"Evon","startTime":205.085,"endTime":205.415,"body":"and"},{"speaker":"Evon","startTime":205.435,"endTime":205.755,"body":"as"},{"speaker":"Evon","startTime":205.755,"endTime":205.995,"body":"this"},{"speaker":"Evon","startTime":206.155,"endTime":206.655,"body":"episode"},{"speaker":"Evon","startTime":206.655,"endTime":206.735,"body":"will"},{"speaker":"Evon","startTime":206.745,"endTime":206.895,"body":"be"},{"speaker":"Evon","startTime":206.895,"endTime":207.315,"body":"released,"},{"speaker":"Evon","startTime":207.315,"endTime":207.415,"body":"we're"},{"speaker":"Evon","startTime":207.415,"endTime":207.565,"body":"at"},{"speaker":"Evon","startTime":207.565,"endTime":207.785,"body":"mid"},{"speaker":"Evon","startTime":207.795,"endTime":208.035,"body":"year"},{"speaker":"Evon","startTime":208.035,"endTime":208.265,"body":"now,"},{"speaker":"Evon","startTime":208.265,"endTime":208.335,"body":"or"},{"speaker":"Evon","startTime":208.335,"endTime":208.555,"body":"just"},{"speaker":"Evon","startTime":208.565,"endTime":208.945,"body":"past"},{"speaker":"Evon","startTime":208.945,"endTime":209.115,"body":"mid"},{"speaker":"Evon","startTime":209.115,"endTime":209.465,"body":"year."},{"speaker":"Evon","startTime":209.805,"endTime":210.365,"body":"And"},{"speaker":"Evon","startTime":210.645,"endTime":211.035,"body":"now"},{"speaker":"Evon","startTime":211.035,"endTime":211.205,"body":"we"},{"speaker":"Evon","startTime":211.205,"endTime":211.415,"body":"can"},{"speaker":"Evon","startTime":211.415,"endTime":211.725,"body":"really"},{"speaker":"Evon","startTime":211.725,"endTime":212.085,"body":"start"},{"speaker":"Evon","startTime":212.085,"endTime":212.195,"body":"to"},{"speaker":"Evon","startTime":212.195,"endTime":212.425,"body":"think"},{"speaker":"Evon","startTime":212.435,"endTime":212.855,"body":"about"},{"speaker":"Evon","startTime":212.855,"endTime":212.995,"body":"in"},{"speaker":"Evon","startTime":212.995,"endTime":213.335,"body":"terms"},{"speaker":"Evon","startTime":213.355,"endTime":213.815,"body":"of,"},{"speaker":"Evon","startTime":214.2,"endTime":214.75,"body":"Qualified"},{"speaker":"Evon","startTime":214.75,"endTime":215.22,"body":"Retirement"},{"speaker":"Evon","startTime":215.22,"endTime":215.66,"body":"Plans"},{"speaker":"Evon","startTime":215.67,"endTime":215.91,"body":"in"},{"speaker":"Evon","startTime":215.92,"endTime":216.43,"body":"Optometry"},{"speaker":"Evon","startTime":216.43,"endTime":217.24,"body":"Practices."},{"speaker":"Evon","startTime":217.5,"endTime":217.82,"body":"What"},{"speaker":"Evon","startTime":217.82,"endTime":218.28,"body":"are"},{"speaker":"Evon","startTime":218.41,"endTime":219.46,"body":"2024"},{"speaker":"Evon","startTime":219.5,"endTime":220.04,"body":"updates"},{"speaker":"Evon","startTime":220.04,"endTime":220.23,"body":"that"},{"speaker":"Evon","startTime":220.23,"endTime":220.41,"body":"we"},{"speaker":"Evon","startTime":220.41,"endTime":220.7,"body":"should"},{"speaker":"Evon","startTime":220.7,"endTime":221.03,"body":"already"},{"speaker":"Evon","startTime":221.03,"endTime":221.13,"body":"be"},{"speaker":"Evon","startTime":221.13,"endTime":221.43,"body":"knowing"},{"speaker":"Evon","startTime":221.43,"endTime":221.77,"body":"about?"},{"speaker":"Evon","startTime":222.24,"endTime":222.74,"body":"And"},{"speaker":"Evon","startTime":222.92,"endTime":223.57,"body":"importantly,"},{"speaker":"Evon","startTime":223.57,"endTime":223.74,"body":"what"},{"speaker":"Evon","startTime":223.74,"endTime":223.79,"body":"are"},{"speaker":"Evon","startTime":223.79,"endTime":224.03,"body":"some"},{"speaker":"Evon","startTime":224.03,"endTime":224.82,"body":"deadlines"},{"speaker":"Evon","startTime":224.92,"endTime":225.08,"body":"that"},{"speaker":"Evon","startTime":225.08,"endTime":225.16,"body":"we"},{"speaker":"Evon","startTime":225.16,"endTime":225.32,"body":"need"},{"speaker":"Evon","startTime":225.32,"endTime":225.42,"body":"to"},{"speaker":"Evon","startTime":225.42,"endTime":225.59,"body":"keep"},{"speaker":"Evon","startTime":225.59,"endTime":225.71,"body":"in"},{"speaker":"Evon","startTime":225.71,"endTime":226.1,"body":"mind"},{"speaker":"Evon","startTime":226.55,"endTime":226.95,"body":"as"},{"speaker":"Evon","startTime":226.95,"endTime":227.2,"body":"we"},{"speaker":"Evon","startTime":227.21,"endTime":227.47,"body":"go"},{"speaker":"Evon","startTime":227.47,"endTime":228.37,"body":"towards"},{"speaker":"Evon","startTime":228.695,"endTime":228.985,"body":"quarter"},{"speaker":"Evon","startTime":228.985,"endTime":229.525,"body":"four"},{"speaker":"Evon","startTime":229.525,"endTime":229.785,"body":"and"},{"speaker":"Evon","startTime":229.785,"endTime":230.135,"body":"towards"},{"speaker":"Evon","startTime":230.135,"endTime":230.275,"body":"the"},{"speaker":"Evon","startTime":230.275,"endTime":230.425,"body":"end"},{"speaker":"Evon","startTime":230.425,"endTime":230.495,"body":"of"},{"speaker":"Evon","startTime":230.495,"endTime":230.555,"body":"the"},{"speaker":"Evon","startTime":230.555,"endTime":230.775,"body":"year."},{"speaker":"Evon","startTime":230.775,"endTime":230.985,"body":"So"},{"speaker":"Evon","startTime":230.995,"endTime":231.245,"body":"I'm"},{"speaker":"Evon","startTime":231.245,"endTime":231.655,"body":"excited"},{"speaker":"Evon","startTime":231.665,"endTime":231.775,"body":"to"},{"speaker":"Evon","startTime":231.775,"endTime":232.015,"body":"dive"},{"speaker":"Evon","startTime":232.015,"endTime":232.205,"body":"into"},{"speaker":"Evon","startTime":232.205,"endTime":232.505,"body":"that"},{"speaker":"Evon","startTime":232.785,"endTime":233.235,"body":"and"},{"speaker":"Evon","startTime":233.245,"endTime":233.495,"body":"thought"},{"speaker":"Evon","startTime":233.495,"endTime":233.655,"body":"of"},{"speaker":"Evon","startTime":233.655,"endTime":233.775,"body":"no"},{"speaker":"Evon","startTime":233.775,"endTime":233.995,"body":"one"},{"speaker":"Evon","startTime":233.995,"endTime":234.265,"body":"better"},{"speaker":"Evon","startTime":234.615,"endTime":234.705,"body":"to"},{"speaker":"Evon","startTime":234.705,"endTime":234.915,"body":"talk"},{"speaker":"Evon","startTime":234.925,"endTime":235.165,"body":"about"},{"speaker":"Evon","startTime":235.165,"endTime":235.385,"body":"that"},{"speaker":"Evon","startTime":235.385,"endTime":235.565,"body":"with"},{"speaker":"Evon","startTime":235.565,"endTime":235.875,"body":"you."},{"speaker":"Evon","startTime":236.155,"endTime":236.435,"body":"So"},{"speaker":"Evon","startTime":236.455,"endTime":236.715,"body":"let's"},{"speaker":"Evon","startTime":236.715,"endTime":236.985,"body":"dive"},{"speaker":"Evon","startTime":236.985,"endTime":237.255,"body":"into"},{"speaker":"Evon","startTime":237.255,"endTime":238.385,"body":"2024"},{"speaker":"Evon","startTime":238.435,"endTime":239.005,"body":"updates"},{"speaker":"Evon","startTime":239.005,"endTime":239.435,"body":"to"},{"speaker":"Evon","startTime":239.505,"endTime":240.155,"body":"401k"},{"speaker":"Evon","startTime":240.155,"endTime":240.695,"body":"plans,"},{"speaker":"Evon","startTime":240.695,"endTime":240.945,"body":"cash"},{"speaker":"Evon","startTime":240.945,"endTime":241.195,"body":"balance"},{"speaker":"Evon","startTime":241.205,"endTime":241.565,"body":"plans,"},{"speaker":"Evon","startTime":241.565,"endTime":241.885,"body":"whatever"},{"speaker":"Evon","startTime":241.885,"endTime":241.995,"body":"it"},{"speaker":"Evon","startTime":241.995,"endTime":242.255,"body":"is"},{"speaker":"Evon","startTime":242.265,"endTime":242.405,"body":"for"},{"speaker":"Evon","startTime":242.405,"endTime":242.855,"body":"retirement"},{"speaker":"Evon","startTime":242.855,"endTime":243.105,"body":"plans"},{"speaker":"Evon","startTime":243.105,"endTime":243.175,"body":"in"},{"speaker":"Evon","startTime":243.175,"endTime":243.265,"body":"the"},{"speaker":"Evon","startTime":243.265,"endTime":243.935,"body":"practice"},{"speaker":"Evon","startTime":244.245,"endTime":244.615,"body":"that"},{"speaker":"Evon","startTime":244.645,"endTime":245.295,"body":"optometrists"},{"speaker":"Evon","startTime":245.325,"endTime":245.455,"body":"need"},{"speaker":"Evon","startTime":245.455,"endTime":245.515,"body":"to"},{"speaker":"Evon","startTime":245.515,"endTime":245.675,"body":"know"},{"speaker":"Evon","startTime":245.675,"endTime":245.905,"body":"about."},{"speaker":"Evon","startTime":245.915,"endTime":246.205,"body":"Matt,"},{"speaker":"Evon","startTime":246.535,"endTime":246.805,"body":"what"},{"speaker":"Evon","startTime":246.805,"endTime":246.855,"body":"do"},{"speaker":"Evon","startTime":246.855,"endTime":246.945,"body":"we"},{"speaker":"Evon","startTime":246.945,"endTime":247.095,"body":"need"},{"speaker":"Evon","startTime":247.105,"endTime":247.165,"body":"to"},{"speaker":"Evon","startTime":247.165,"endTime":247.285,"body":"know"},{"speaker":"Evon","startTime":247.285,"endTime":247.515,"body":"about"},{"speaker":"Evon","startTime":247.515,"endTime":247.645,"body":"for"},{"speaker":"Evon","startTime":247.645,"endTime":248.015,"body":"2024?"},{"speaker":"Matt","startTime":248.732,"endTime":249.142,"body":"Yeah."},{"speaker":"Matt","startTime":249.142,"endTime":249.452,"body":"So"},{"speaker":"Matt","startTime":250.392,"endTime":250.652,"body":"we"},{"speaker":"Matt","startTime":250.652,"endTime":250.942,"body":"spoke"},{"speaker":"Matt","startTime":250.992,"endTime":251.282,"body":"about"},{"speaker":"Matt","startTime":251.282,"endTime":251.412,"body":"this"},{"speaker":"Matt","startTime":251.412,"endTime":251.872,"body":"before"},{"speaker":"Matt","startTime":251.872,"endTime":252.292,"body":"SECURE"},{"speaker":"Matt","startTime":252.292,"endTime":253.022,"body":"2.0"},{"speaker":"Matt","startTime":253.042,"endTime":253.892,"body":"was"},{"speaker":"Matt","startTime":254.562,"endTime":255.242,"body":"basically"},{"speaker":"Matt","startTime":255.242,"endTime":255.582,"body":"the"},{"speaker":"Matt","startTime":255.732,"endTime":256.602,"body":"largest"},{"speaker":"Matt","startTime":256.612,"endTime":257.072,"body":"change"},{"speaker":"Matt","startTime":257.072,"endTime":257.132,"body":"to"},{"speaker":"Matt","startTime":257.132,"endTime":257.232,"body":"the"},{"speaker":"Matt","startTime":257.232,"endTime":257.642,"body":"401(k)"},{"speaker":"Matt","startTime":257.662,"endTime":258.202,"body":"industry"},{"speaker":"Matt","startTime":258.482,"endTime":258.692,"body":"that"},{"speaker":"Matt","startTime":258.692,"endTime":259.042,"body":"passed"},{"speaker":"Matt","startTime":259.042,"endTime":259.102,"body":"in"},{"speaker":"Matt","startTime":259.102,"endTime":259.232,"body":"the"},{"speaker":"Matt","startTime":259.232,"endTime":259.592,"body":"11th"},{"speaker":"Matt","startTime":259.592,"endTime":259.802,"body":"hour"},{"speaker":"Matt","startTime":259.802,"endTime":259.902,"body":"of"},{"speaker":"Matt","startTime":259.902,"endTime":260.832,"body":"2023."},{"speaker":"Matt","startTime":261.172,"endTime":261.402,"body":"There's"},{"speaker":"Matt","startTime":261.402,"endTime":261.712,"body":"some."},{"speaker":"Matt","startTime":262.247,"endTime":262.477,"body":"There's"},{"speaker":"Matt","startTime":262.477,"endTime":262.687,"body":"some"},{"speaker":"Matt","startTime":262.747,"endTime":263.227,"body":"updates"},{"speaker":"Matt","startTime":263.247,"endTime":263.407,"body":"that"},{"speaker":"Matt","startTime":263.407,"endTime":263.497,"body":"are"},{"speaker":"Matt","startTime":263.497,"endTime":263.997,"body":"now"},{"speaker":"Matt","startTime":264.027,"endTime":264.477,"body":"coming"},{"speaker":"Matt","startTime":264.517,"endTime":265.167,"body":"through"},{"speaker":"Matt","startTime":265.177,"endTime":265.357,"body":"that"},{"speaker":"Matt","startTime":265.357,"endTime":265.497,"body":"were"},{"speaker":"Matt","startTime":265.497,"endTime":265.617,"body":"on"},{"speaker":"Matt","startTime":265.617,"endTime":265.737,"body":"the"},{"speaker":"Matt","startTime":265.737,"endTime":266.397,"body":"agenda"},{"speaker":"Matt","startTime":266.437,"endTime":266.617,"body":"that"},{"speaker":"Matt","startTime":266.617,"endTime":266.847,"body":"came"},{"speaker":"Matt","startTime":266.847,"endTime":267.117,"body":"through"},{"speaker":"Matt","startTime":267.117,"endTime":267.207,"body":"on"},{"speaker":"Matt","startTime":267.207,"endTime":267.537,"body":"that,"},{"speaker":"Matt","startTime":267.817,"endTime":268.287,"body":"and"},{"speaker":"Matt","startTime":268.297,"endTime":268.527,"body":"they're"},{"speaker":"Matt","startTime":268.527,"endTime":268.987,"body":"starting"},{"speaker":"Matt","startTime":268.987,"endTime":269.527,"body":"to"},{"speaker":"Matt","startTime":270.987,"endTime":271.557,"body":"approach"},{"speaker":"Matt","startTime":271.557,"endTime":271.707,"body":"in"},{"speaker":"Matt","startTime":271.707,"endTime":273.047,"body":"2025,"},{"speaker":"Matt","startTime":273.297,"endTime":273.517,"body":"and"},{"speaker":"Matt","startTime":273.517,"endTime":273.637,"body":"then"},{"speaker":"Matt","startTime":273.637,"endTime":273.697,"body":"a"},{"speaker":"Matt","startTime":273.697,"endTime":273.927,"body":"few"},{"speaker":"Matt","startTime":273.947,"endTime":274.147,"body":"things"},{"speaker":"Matt","startTime":274.147,"endTime":274.277,"body":"that"},{"speaker":"Matt","startTime":274.277,"endTime":274.387,"body":"are"},{"speaker":"Matt","startTime":274.417,"endTime":274.867,"body":"already"},{"speaker":"Matt","startTime":274.877,"endTime":275.377,"body":"here"},{"speaker":"Matt","startTime":275.557,"endTime":275.777,"body":"that"},{"speaker":"Matt","startTime":275.787,"endTime":276.177,"body":"started"},{"speaker":"Matt","startTime":276.177,"endTime":276.317,"body":"in"},{"speaker":"Matt","startTime":276.317,"endTime":277.437,"body":"2024."},{"speaker":"Matt","startTime":277.767,"endTime":278.307,"body":"most"},{"speaker":"Matt","startTime":278.307,"endTime":279.307,"body":"importantly,"},{"speaker":"Matt","startTime":279.327,"endTime":279.527,"body":"in"},{"speaker":"Matt","startTime":279.527,"endTime":279.797,"body":"my"},{"speaker":"Matt","startTime":279.797,"endTime":280.337,"body":"opinion,"},{"speaker":"Matt","startTime":280.337,"endTime":280.487,"body":"is"},{"speaker":"Matt","startTime":280.487,"endTime":280.627,"body":"the"},{"speaker":"Matt","startTime":280.637,"endTime":280.877,"body":"auto"},{"speaker":"Matt","startTime":280.877,"endTime":281.317,"body":"enrollment."},{"speaker":"Matt","startTime":282.247,"endTime":282.497,"body":"piece"},{"speaker":"Matt","startTime":282.497,"endTime":282.647,"body":"of"},{"speaker":"Matt","startTime":282.647,"endTime":282.887,"body":"it,"},{"speaker":"Matt","startTime":283.257,"endTime":283.817,"body":"that"},{"speaker":"Matt","startTime":283.847,"endTime":284.187,"body":"is"},{"speaker":"Matt","startTime":284.187,"endTime":284.477,"body":"going"},{"speaker":"Matt","startTime":284.477,"endTime":284.637,"body":"to"},{"speaker":"Matt","startTime":284.637,"endTime":284.897,"body":"be"},{"speaker":"Matt","startTime":284.907,"endTime":285.997,"body":"mandatory"},{"speaker":"Matt","startTime":286.187,"endTime":286.387,"body":"in"},{"speaker":"Matt","startTime":286.707,"endTime":287.317,"body":"2025."},{"speaker":"Matt","startTime":287.797,"endTime":288.157,"body":"So"},{"speaker":"Matt","startTime":288.157,"endTime":288.337,"body":"for"},{"speaker":"Matt","startTime":288.367,"endTime":288.727,"body":"any"},{"speaker":"Matt","startTime":288.737,"endTime":289.057,"body":"new"},{"speaker":"Matt","startTime":289.077,"endTime":289.677,"body":"plans"},{"speaker":"Matt","startTime":289.707,"endTime":289.907,"body":"that"},{"speaker":"Matt","startTime":289.927,"endTime":290.557,"body":"started"},{"speaker":"Matt","startTime":290.857,"endTime":291.227,"body":"on"},{"speaker":"Matt","startTime":291.747,"endTime":292.347,"body":"basically"},{"speaker":"Matt","startTime":292.417,"endTime":292.847,"body":"from"},{"speaker":"Matt","startTime":292.857,"endTime":293.377,"body":"January"},{"speaker":"Matt","startTime":293.387,"endTime":294.477,"body":"1st,"},{"speaker":"Matt","startTime":294.537,"endTime":294.957,"body":"2023"},{"speaker":"Matt","startTime":294.997,"endTime":295.187,"body":"and"},{"speaker":"Matt","startTime":295.187,"endTime":295.707,"body":"beyond,"},{"speaker":"Matt","startTime":296.297,"endTime":296.607,"body":"those"},{"speaker":"Matt","startTime":296.607,"endTime":296.707,"body":"are"},{"speaker":"Matt","startTime":296.707,"endTime":296.987,"body":"all"},{"speaker":"Matt","startTime":296.987,"endTime":297.267,"body":"now"},{"speaker":"Matt","startTime":297.277,"endTime":297.997,"body":"mandatory"},{"speaker":"Matt","startTime":298.037,"endTime":298.327,"body":"auto"},{"speaker":"Matt","startTime":298.327,"endTime":298.717,"body":"enrollment."},{"speaker":"Matt","startTime":298.727,"endTime":298.897,"body":"What"},{"speaker":"Matt","startTime":298.897,"endTime":299.007,"body":"do"},{"speaker":"Matt","startTime":299.007,"endTime":299.057,"body":"I"},{"speaker":"Matt","startTime":299.107,"endTime":299.257,"body":"mean"},{"speaker":"Matt","startTime":299.257,"endTime":299.397,"body":"by"},{"speaker":"Matt","startTime":299.397,"endTime":299.687,"body":"that?"},{"speaker":"Matt","startTime":299.697,"endTime":299.957,"body":"That"},{"speaker":"Matt","startTime":299.977,"endTime":300.287,"body":"is"},{"speaker":"Matt","startTime":300.287,"endTime":300.847,"body":"basically"},{"speaker":"Matt","startTime":300.847,"endTime":301.057,"body":"you"},{"speaker":"Matt","startTime":301.057,"endTime":301.347,"body":"have"},{"speaker":"Matt","startTime":301.347,"endTime":301.447,"body":"to"},{"speaker":"Matt","startTime":301.447,"endTime":301.987,"body":"create"},{"speaker":"Matt","startTime":302.247,"endTime":302.457,"body":"an"},{"speaker":"Matt","startTime":302.497,"endTime":302.857,"body":"opt"},{"speaker":"Matt","startTime":302.977,"endTime":303.267,"body":"out"},{"speaker":"Matt","startTime":303.327,"endTime":303.817,"body":"plan"},{"speaker":"Matt","startTime":303.907,"endTime":304.237,"body":"instead"},{"speaker":"Matt","startTime":304.237,"endTime":304.337,"body":"of"},{"speaker":"Matt","startTime":304.337,"endTime":304.477,"body":"an"},{"speaker":"Matt","startTime":304.507,"endTime":304.857,"body":"opt"},{"speaker":"Matt","startTime":304.957,"endTime":305.257,"body":"in"},{"speaker":"Matt","startTime":305.267,"endTime":305.677,"body":"plan."},{"speaker":"Matt","startTime":305.947,"endTime":306.367,"body":"So"},{"speaker":"Matt","startTime":306.377,"endTime":306.537,"body":"your"},{"speaker":"Matt","startTime":306.537,"endTime":307.227,"body":"employees,"},{"speaker":"Matt","startTime":307.507,"endTime":307.637,"body":"they"},{"speaker":"Matt","startTime":307.637,"endTime":307.937,"body":"log"},{"speaker":"Matt","startTime":307.937,"endTime":308.327,"body":"in,"},{"speaker":"Matt","startTime":308.587,"endTime":308.767,"body":"they"},{"speaker":"Matt","startTime":308.767,"endTime":309.017,"body":"say,"},{"speaker":"Matt","startTime":309.067,"endTime":309.257,"body":"I"},{"speaker":"Matt","startTime":309.257,"endTime":309.657,"body":"want."},{"speaker":"Matt","startTime":309.872,"endTime":310.542,"body":"4%,"},{"speaker":"Matt","startTime":310.572,"endTime":310.662,"body":"I"},{"speaker":"Matt","startTime":310.662,"endTime":310.902,"body":"want"},{"speaker":"Matt","startTime":311.462,"endTime":311.472,"body":"5,"},{"speaker":"Matt","startTime":311.502,"endTime":311.902,"body":"hopefully"},{"speaker":"Matt","startTime":311.912,"endTime":312.332,"body":"more,"},{"speaker":"Matt","startTime":312.382,"endTime":312.782,"body":"10,"},{"speaker":"Matt","startTime":312.832,"endTime":313.412,"body":"15,"},{"speaker":"Matt","startTime":313.782,"endTime":314.262,"body":"but"},{"speaker":"Matt","startTime":314.922,"endTime":315.492,"body":"now"},{"speaker":"Matt","startTime":315.542,"endTime":315.742,"body":"they"},{"speaker":"Matt","startTime":315.742,"endTime":316.002,"body":"have"},{"speaker":"Matt","startTime":316.002,"endTime":316.212,"body":"to"},{"speaker":"Matt","startTime":316.252,"endTime":316.592,"body":"put"},{"speaker":"Matt","startTime":316.602,"endTime":317.272,"body":"zero"},{"speaker":"Matt","startTime":317.912,"endTime":318.112,"body":"if"},{"speaker":"Matt","startTime":318.112,"endTime":318.292,"body":"they"},{"speaker":"Matt","startTime":318.302,"endTime":318.602,"body":"don't"},{"speaker":"Matt","startTime":318.602,"endTime":318.842,"body":"want"},{"speaker":"Matt","startTime":318.842,"endTime":318.992,"body":"it."},{"speaker":"Matt","startTime":319.402,"endTime":319.872,"body":"Otherwise"},{"speaker":"Matt","startTime":319.872,"endTime":319.972,"body":"they"},{"speaker":"Matt","startTime":319.972,"endTime":320.142,"body":"will"},{"speaker":"Matt","startTime":320.142,"endTime":320.312,"body":"be"},{"speaker":"Matt","startTime":320.332,"endTime":320.532,"body":"put"},{"speaker":"Matt","startTime":320.532,"endTime":320.722,"body":"in"},{"speaker":"Matt","startTime":320.722,"endTime":321.042,"body":"for"},{"speaker":"Matt","startTime":321.042,"endTime":321.302,"body":"a"},{"speaker":"Matt","startTime":321.312,"endTime":321.792,"body":"specific"},{"speaker":"Matt","startTime":321.792,"endTime":322.092,"body":"number,"},{"speaker":"Matt","startTime":322.152,"endTime":322.712,"body":"3,"},{"speaker":"Matt","startTime":322.992,"endTime":323.552,"body":"5,"},{"speaker":"Matt","startTime":323.552,"endTime":323.562,"body":"6."},{"speaker":"Matt","startTime":323.562,"endTime":323.672,"body":"We"},{"speaker":"Matt","startTime":323.672,"endTime":323.902,"body":"actually"},{"speaker":"Matt","startTime":323.902,"endTime":324.122,"body":"can,"},{"speaker":"Matt","startTime":324.382,"endTime":324.772,"body":"mold"},{"speaker":"Matt","startTime":324.782,"endTime":325.072,"body":"that"},{"speaker":"Matt","startTime":325.082,"endTime":325.222,"body":"to"},{"speaker":"Matt","startTime":325.232,"endTime":325.552,"body":"however"},{"speaker":"Matt","startTime":325.552,"endTime":325.642,"body":"we"},{"speaker":"Matt","startTime":325.642,"endTime":325.872,"body":"want"},{"speaker":"Matt","startTime":325.872,"endTime":325.992,"body":"it"},{"speaker":"Matt","startTime":325.992,"endTime":326.072,"body":"to"},{"speaker":"Matt","startTime":326.082,"endTime":326.392,"body":"be."},{"speaker":"Matt","startTime":326.692,"endTime":326.852,"body":"And"},{"speaker":"Matt","startTime":326.852,"endTime":327.012,"body":"that's"},{"speaker":"Matt","startTime":327.012,"endTime":327.082,"body":"going"},{"speaker":"Matt","startTime":327.082,"endTime":327.102,"body":"to"},{"speaker":"Matt","startTime":327.112,"endTime":327.232,"body":"be"},{"speaker":"Matt","startTime":327.232,"endTime":327.472,"body":"coming"},{"speaker":"Matt","startTime":327.472,"endTime":327.692,"body":"up"},{"speaker":"Matt","startTime":327.762,"endTime":328.152,"body":"on,"},{"speaker":"Matt","startTime":328.232,"endTime":328.422,"body":"January"},{"speaker":"Matt","startTime":328.422,"endTime":328.842,"body":"1st"},{"speaker":"Matt","startTime":328.842,"endTime":329.092,"body":"of"},{"speaker":"Matt","startTime":329.092,"endTime":329.102,"body":"2025."},{"speaker":"Evon","startTime":330.172,"endTime":330.592,"body":"So,"},{"speaker":"Evon","startTime":330.802,"endTime":330.902,"body":"I"},{"speaker":"Evon","startTime":330.902,"endTime":331.042,"body":"mean,"},{"speaker":"Evon","startTime":331.042,"endTime":331.222,"body":"this"},{"speaker":"Evon","startTime":331.222,"endTime":331.452,"body":"used"},{"speaker":"Evon","startTime":331.452,"endTime":331.522,"body":"to"},{"speaker":"Evon","startTime":331.522,"endTime":331.672,"body":"be"},{"speaker":"Evon","startTime":331.672,"endTime":332.012,"body":"something"},{"speaker":"Evon","startTime":332.012,"endTime":332.152,"body":"we'd"},{"speaker":"Evon","startTime":332.172,"endTime":332.422,"body":"talk"},{"speaker":"Evon","startTime":332.432,"endTime":332.702,"body":"about"},{"speaker":"Evon","startTime":332.702,"endTime":332.822,"body":"when"},{"speaker":"Evon","startTime":332.822,"endTime":332.922,"body":"we"},{"speaker":"Evon","startTime":332.922,"endTime":333.152,"body":"look"},{"speaker":"Evon","startTime":333.152,"endTime":333.322,"body":"at,"},{"speaker":"Evon","startTime":333.322,"endTime":333.712,"body":"okay,"},{"speaker":"Evon","startTime":333.712,"endTime":333.862,"body":"you're"},{"speaker":"Evon","startTime":333.872,"endTime":334.082,"body":"going"},{"speaker":"Evon","startTime":334.082,"endTime":334.102,"body":"to"},{"speaker":"Evon","startTime":334.102,"endTime":334.212,"body":"have"},{"speaker":"Evon","startTime":334.212,"endTime":334.282,"body":"a"},{"speaker":"Evon","startTime":334.282,"endTime":334.532,"body":"Safe"},{"speaker":"Evon","startTime":334.532,"endTime":334.862,"body":"Harbor"},{"speaker":"Evon","startTime":334.882,"endTime":335.432,"body":"401k"},{"speaker":"Evon","startTime":335.432,"endTime":335.732,"body":"plan,"},{"speaker":"Evon","startTime":335.732,"endTime":335.952,"body":"which"},{"speaker":"Evon","startTime":335.952,"endTime":336.512,"body":"most"},{"speaker":"Evon","startTime":336.542,"endTime":337.032,"body":"optometry"},{"speaker":"Evon","startTime":337.032,"endTime":337.632,"body":"practices"},{"speaker":"Evon","startTime":337.632,"endTime":338.012,"body":"do."},{"speaker":"Evon","startTime":338.422,"endTime":338.932,"body":"What"},{"speaker":"Evon","startTime":338.942,"endTime":339.652,"body":"style"},{"speaker":"Evon","startTime":339.672,"endTime":339.842,"body":"of"},{"speaker":"Evon","startTime":339.842,"endTime":340.122,"body":"Safe"},{"speaker":"Evon","startTime":340.122,"endTime":340.502,"body":"Harbor"},{"speaker":"Evon","startTime":340.502,"endTime":340.832,"body":"plan"},{"speaker":"Evon","startTime":340.832,"endTime":340.902,"body":"do"},{"speaker":"Evon","startTime":340.902,"endTime":341.022,"body":"you"},{"speaker":"Evon","startTime":341.022,"endTime":341.422,"body":"want?"},{"speaker":"Evon","startTime":341.462,"endTime":341.542,"body":"Do"},{"speaker":"Evon","startTime":341.542,"endTime":341.702,"body":"you"},{"speaker":"Evon","startTime":341.702,"endTime":341.942,"body":"want"},{"speaker":"Evon","startTime":341.952,"endTime":342.122,"body":"the"},{"speaker":"Evon","startTime":342.132,"endTime":342.432,"body":"type"},{"speaker":"Evon","startTime":342.442,"endTime":342.632,"body":"that"},{"speaker":"Evon","startTime":342.642,"endTime":342.932,"body":"has"},{"speaker":"Evon","startTime":342.932,"endTime":343.092,"body":"that"},{"speaker":"Evon","startTime":343.112,"endTime":343.552,"body":"automatic"},{"speaker":"Evon","startTime":343.552,"endTime":344.072,"body":"enrollment?"},{"speaker":"Evon","startTime":344.432,"endTime":344.622,"body":"Do"},{"speaker":"Evon","startTime":344.622,"endTime":344.782,"body":"you"},{"speaker":"Evon","startTime":344.782,"endTime":344.982,"body":"want"},{"speaker":"Evon","startTime":344.992,"endTime":345.192,"body":"the"},{"speaker":"Evon","startTime":345.192,"endTime":345.362,"body":"more"},{"speaker":"Evon","startTime":345.362,"endTime":346.012,"body":"traditional"},{"speaker":"Evon","startTime":346.022,"endTime":346.242,"body":"Safe"},{"speaker":"Evon","startTime":346.252,"endTime":346.512,"body":"Harbor"},{"speaker":"Evon","startTime":346.512,"endTime":346.742,"body":"plan"},{"speaker":"Evon","startTime":346.742,"endTime":346.882,"body":"that"},{"speaker":"Evon","startTime":346.882,"endTime":347.082,"body":"does"},{"speaker":"Evon","startTime":347.082,"endTime":347.342,"body":"not"},{"speaker":"Evon","startTime":347.352,"endTime":347.652,"body":"have"},{"speaker":"Evon","startTime":347.652,"endTime":347.762,"body":"the"},{"speaker":"Evon","startTime":347.762,"endTime":348.222,"body":"automatic"},{"speaker":"Evon","startTime":348.222,"endTime":348.582,"body":"enrollment?"},{"speaker":"Evon","startTime":348.632,"endTime":348.702,"body":"Like,"},{"speaker":"Evon","startTime":348.712,"endTime":348.892,"body":"how"},{"speaker":"Evon","startTime":348.892,"endTime":349.142,"body":"does"},{"speaker":"Evon","startTime":349.152,"endTime":349.492,"body":"that"},{"speaker":"Evon","startTime":349.812,"endTime":350.392,"body":"change"},{"speaker":"Evon","startTime":350.392,"endTime":350.562,"body":"this"},{"speaker":"Evon","startTime":350.562,"endTime":351.202,"body":"conversation"},{"speaker":"Evon","startTime":351.202,"endTime":351.372,"body":"then?"},{"speaker":"Evon","startTime":351.372,"endTime":351.542,"body":"Do"},{"speaker":"Evon","startTime":351.552,"endTime":351.982,"body":"all"},{"speaker":"Evon","startTime":351.992,"endTime":352.612,"body":"matching"},{"speaker":"Evon","startTime":352.642,"endTime":353.042,"body":"types"},{"speaker":"Evon","startTime":353.062,"endTime":353.172,"body":"in"},{"speaker":"Evon","startTime":353.172,"endTime":353.272,"body":"the"},{"speaker":"Evon","startTime":353.272,"endTime":353.522,"body":"Safe"},{"speaker":"Evon","startTime":353.522,"endTime":353.772,"body":"Harbor"},{"speaker":"Evon","startTime":353.772,"endTime":354.202,"body":"plan"},{"speaker":"Evon","startTime":354.482,"endTime":355.122,"body":"simply"},{"speaker":"Evon","startTime":355.122,"endTime":355.542,"body":"have"},{"speaker":"Evon","startTime":355.542,"endTime":355.742,"body":"this"},{"speaker":"Evon","startTime":355.762,"endTime":356.292,"body":"automatic"},{"speaker":"Evon","startTime":356.292,"endTime":356.702,"body":"enrollment"},{"speaker":"Evon","startTime":356.712,"endTime":356.792,"body":"for"},{"speaker":"Evon","startTime":356.792,"endTime":357.302,"body":"employees?"},{"speaker":"Matt","startTime":358.056,"endTime":358.356,"body":"Yeah,"},{"speaker":"Matt","startTime":358.356,"endTime":358.536,"body":"it's,"},{"speaker":"Matt","startTime":358.546,"endTime":358.786,"body":"it's"},{"speaker":"Matt","startTime":358.796,"endTime":359.156,"body":"actually,"},{"speaker":"Matt","startTime":359.156,"endTime":359.456,"body":"so"},{"speaker":"Matt","startTime":359.836,"endTime":359.916,"body":"a"},{"speaker":"Matt","startTime":359.916,"endTime":360.036,"body":"lot"},{"speaker":"Matt","startTime":360.036,"endTime":360.166,"body":"of"},{"speaker":"Matt","startTime":360.166,"endTime":360.606,"body":"times"},{"speaker":"Matt","startTime":360.956,"endTime":361.136,"body":"on"},{"speaker":"Matt","startTime":361.136,"endTime":361.246,"body":"the"},{"speaker":"Matt","startTime":361.256,"endTime":361.786,"body":"menu"},{"speaker":"Matt","startTime":361.786,"endTime":361.936,"body":"of"},{"speaker":"Matt","startTime":361.936,"endTime":362.196,"body":"safe"},{"speaker":"Matt","startTime":362.196,"endTime":362.596,"body":"harbors"},{"speaker":"Matt","startTime":362.596,"endTime":362.746,"body":"that"},{"speaker":"Matt","startTime":362.746,"endTime":362.876,"body":"are"},{"speaker":"Matt","startTime":362.886,"endTime":363.476,"body":"around,"},{"speaker":"Matt","startTime":363.486,"endTime":363.736,"body":"there's"},{"speaker":"Matt","startTime":363.736,"endTime":363.936,"body":"one"},{"speaker":"Matt","startTime":363.936,"endTime":364.146,"body":"called"},{"speaker":"Matt","startTime":364.146,"endTime":364.216,"body":"a"},{"speaker":"Matt","startTime":364.216,"endTime":365.186,"body":"QACA,"},{"speaker":"Matt","startTime":365.276,"endTime":365.766,"body":"Qualified"},{"speaker":"Matt","startTime":365.766,"endTime":366.216,"body":"Automatic"},{"speaker":"Matt","startTime":366.226,"endTime":366.896,"body":"Contribution"},{"speaker":"Matt","startTime":366.896,"endTime":367.456,"body":"Arrangement."},{"speaker":"Matt","startTime":367.846,"endTime":368.106,"body":"but"},{"speaker":"Matt","startTime":368.126,"endTime":368.386,"body":"it's"},{"speaker":"Matt","startTime":368.406,"endTime":369.246,"body":"basically,"},{"speaker":"Matt","startTime":369.516,"endTime":369.806,"body":"just"},{"speaker":"Matt","startTime":369.806,"endTime":369.876,"body":"a"},{"speaker":"Matt","startTime":369.896,"endTime":370.406,"body":"stamp"},{"speaker":"Matt","startTime":370.506,"endTime":370.706,"body":"if"},{"speaker":"Matt","startTime":370.706,"endTime":370.806,"body":"you"},{"speaker":"Matt","startTime":370.806,"endTime":370.936,"body":"want"},{"speaker":"Matt","startTime":370.936,"endTime":370.976,"body":"to"},{"speaker":"Matt","startTime":370.976,"endTime":371.166,"body":"look"},{"speaker":"Matt","startTime":371.166,"endTime":371.266,"body":"at"},{"speaker":"Matt","startTime":371.266,"endTime":371.376,"body":"it"},{"speaker":"Matt","startTime":371.376,"endTime":371.526,"body":"that"},{"speaker":"Matt","startTime":371.526,"endTime":371.706,"body":"way."},{"speaker":"Matt","startTime":371.706,"endTime":371.836,"body":"You're"},{"speaker":"Matt","startTime":371.856,"endTime":372.126,"body":"putting"},{"speaker":"Matt","startTime":372.126,"endTime":372.236,"body":"a"},{"speaker":"Matt","startTime":372.276,"endTime":372.786,"body":"QACA"},{"speaker":"Matt","startTime":372.796,"endTime":373.296,"body":"stamp"},{"speaker":"Matt","startTime":373.606,"endTime":373.806,"body":"and"},{"speaker":"Matt","startTime":373.806,"endTime":373.916,"body":"you"},{"speaker":"Matt","startTime":373.916,"endTime":374.056,"body":"can"},{"speaker":"Matt","startTime":374.056,"endTime":374.246,"body":"do"},{"speaker":"Matt","startTime":374.246,"endTime":374.446,"body":"that"},{"speaker":"Matt","startTime":374.446,"endTime":374.666,"body":"on"},{"speaker":"Matt","startTime":374.836,"endTime":375.406,"body":"any"},{"speaker":"Matt","startTime":375.406,"endTime":375.726,"body":"safe"},{"speaker":"Matt","startTime":375.726,"endTime":376.426,"body":"harbor."},{"speaker":"Matt","startTime":376.426,"endTime":376.576,"body":"You"},{"speaker":"Matt","startTime":376.576,"endTime":376.656,"body":"can"},{"speaker":"Matt","startTime":376.656,"endTime":376.886,"body":"actually"},{"speaker":"Matt","startTime":376.886,"endTime":377.046,"body":"put"},{"speaker":"Matt","startTime":377.046,"endTime":377.186,"body":"that"},{"speaker":"Matt","startTime":377.186,"endTime":377.436,"body":"on"},{"speaker":"Matt","startTime":377.466,"endTime":377.746,"body":"any"},{"speaker":"Matt","startTime":377.756,"endTime":378.276,"body":"non"},{"speaker":"Matt","startTime":378.286,"endTime":378.576,"body":"safe"},{"speaker":"Matt","startTime":378.576,"endTime":378.996,"body":"harbor"},{"speaker":"Matt","startTime":379.026,"endTime":379.446,"body":"even."},{"speaker":"Matt","startTime":379.686,"endTime":379.876,"body":"And"},{"speaker":"Matt","startTime":379.916,"endTime":380.206,"body":"all"},{"speaker":"Matt","startTime":380.206,"endTime":380.306,"body":"it"},{"speaker":"Matt","startTime":380.306,"endTime":380.596,"body":"is,"},{"speaker":"Matt","startTime":380.596,"endTime":380.736,"body":"is"},{"speaker":"Matt","startTime":380.736,"endTime":381.106,"body":"saying"},{"speaker":"Matt","startTime":381.116,"endTime":381.456,"body":"that"},{"speaker":"Matt","startTime":381.526,"endTime":382.086,"body":"I"},{"speaker":"Matt","startTime":382.146,"endTime":382.436,"body":"want"},{"speaker":"Matt","startTime":382.446,"endTime":382.556,"body":"to"},{"speaker":"Matt","startTime":382.556,"endTime":382.806,"body":"have"},{"speaker":"Matt","startTime":382.806,"endTime":382.976,"body":"this"},{"speaker":"Matt","startTime":382.976,"endTime":383.096,"body":"as"},{"speaker":"Matt","startTime":383.096,"endTime":383.226,"body":"an"},{"speaker":"Matt","startTime":383.236,"endTime":383.516,"body":"auto"},{"speaker":"Matt","startTime":383.516,"endTime":383.946,"body":"enrollment"},{"speaker":"Matt","startTime":383.946,"endTime":384.496,"body":"feature"},{"speaker":"Matt","startTime":385.231,"endTime":385.641,"body":"And"},{"speaker":"Matt","startTime":385.771,"endTime":385.971,"body":"they"},{"speaker":"Matt","startTime":385.971,"endTime":386.161,"body":"are"},{"speaker":"Matt","startTime":386.161,"endTime":386.521,"body":"actually"},{"speaker":"Matt","startTime":386.521,"endTime":386.761,"body":"giving"},{"speaker":"Matt","startTime":386.761,"endTime":386.921,"body":"you"},{"speaker":"Matt","startTime":386.921,"endTime":387.101,"body":"an"},{"speaker":"Matt","startTime":387.111,"endTime":387.501,"body":"extra"},{"speaker":"Matt","startTime":387.501,"endTime":388.211,"body":"500"},{"speaker":"Matt","startTime":388.221,"endTime":388.531,"body":"tax"},{"speaker":"Matt","startTime":388.531,"endTime":389.011,"body":"credit"},{"speaker":"Matt","startTime":389.341,"endTime":389.481,"body":"for"},{"speaker":"Matt","startTime":389.481,"endTime":389.571,"body":"the"},{"speaker":"Matt","startTime":389.571,"endTime":389.991,"body":"first"},{"speaker":"Matt","startTime":390.051,"endTime":390.361,"body":"three"},{"speaker":"Matt","startTime":390.361,"endTime":390.611,"body":"years"},{"speaker":"Matt","startTime":390.611,"endTime":390.761,"body":"of"},{"speaker":"Matt","startTime":390.761,"endTime":390.861,"body":"your"},{"speaker":"Matt","startTime":390.861,"endTime":391.281,"body":"plan"},{"speaker":"Matt","startTime":391.421,"endTime":391.591,"body":"to"},{"speaker":"Matt","startTime":391.601,"endTime":391.841,"body":"do"},{"speaker":"Matt","startTime":391.841,"endTime":392.151,"body":"that."},{"speaker":"Matt","startTime":392.551,"endTime":392.691,"body":"And"},{"speaker":"Matt","startTime":392.691,"endTime":392.851,"body":"that's"},{"speaker":"Matt","startTime":392.851,"endTime":393.081,"body":"actually"},{"speaker":"Matt","startTime":393.081,"endTime":393.221,"body":"been"},{"speaker":"Matt","startTime":393.231,"endTime":393.541,"body":"around"},{"speaker":"Matt","startTime":393.541,"endTime":393.811,"body":"since,"},{"speaker":"Matt","startTime":394.071,"endTime":394.631,"body":"2019"},{"speaker":"Matt","startTime":395.341,"endTime":395.521,"body":"on"},{"speaker":"Matt","startTime":395.521,"endTime":395.881,"body":"SECURE"},{"speaker":"Matt","startTime":395.881,"endTime":396.781,"body":"1.0."},{"speaker":"Matt","startTime":396.801,"endTime":397.331,"body":"So,"},{"speaker":"Matt","startTime":397.561,"endTime":397.801,"body":"we've"},{"speaker":"Matt","startTime":397.801,"endTime":397.931,"body":"been"},{"speaker":"Matt","startTime":397.931,"endTime":398.131,"body":"doing"},{"speaker":"Matt","startTime":398.131,"endTime":398.351,"body":"it"},{"speaker":"Matt","startTime":399.551,"endTime":399.781,"body":"since"},{"speaker":"Matt","startTime":399.781,"endTime":399.961,"body":"that"},{"speaker":"Matt","startTime":399.961,"endTime":400.181,"body":"came"},{"speaker":"Matt","startTime":400.181,"endTime":400.501,"body":"out"},{"speaker":"Matt","startTime":400.511,"endTime":400.741,"body":"just"},{"speaker":"Matt","startTime":400.741,"endTime":401.001,"body":"because"},{"speaker":"Matt","startTime":401.001,"endTime":401.141,"body":"it's"},{"speaker":"Matt","startTime":401.141,"endTime":401.231,"body":"an"},{"speaker":"Matt","startTime":401.231,"endTime":401.461,"body":"extra"},{"speaker":"Matt","startTime":401.461,"endTime":402.131,"body":"500"},{"speaker":"Matt","startTime":402.141,"endTime":402.221,"body":"for"},{"speaker":"Matt","startTime":402.221,"endTime":402.271,"body":"the"},{"speaker":"Matt","startTime":402.271,"endTime":402.671,"body":"client."},{"speaker":"Matt","startTime":402.681,"endTime":402.851,"body":"And"},{"speaker":"Matt","startTime":402.851,"endTime":402.941,"body":"you"},{"speaker":"Matt","startTime":402.941,"endTime":403.121,"body":"just"},{"speaker":"Matt","startTime":403.291,"endTime":403.501,"body":"need"},{"speaker":"Matt","startTime":403.511,"endTime":403.621,"body":"to"},{"speaker":"Matt","startTime":403.641,"endTime":403.951,"body":"maybe"},{"speaker":"Matt","startTime":403.951,"endTime":404.491,"body":"communicate"},{"speaker":"Matt","startTime":404.491,"endTime":404.861,"body":"that"},{"speaker":"Matt","startTime":405.241,"endTime":405.391,"body":"to"},{"speaker":"Matt","startTime":405.391,"endTime":405.481,"body":"the"},{"speaker":"Matt","startTime":405.481,"endTime":405.881,"body":"employee"},{"speaker":"Matt","startTime":405.881,"endTime":406.331,"body":"pool"},{"speaker":"Matt","startTime":406.471,"endTime":406.551,"body":"to"},{"speaker":"Matt","startTime":406.551,"endTime":406.721,"body":"make"},{"speaker":"Matt","startTime":406.721,"endTime":406.871,"body":"sure"},{"speaker":"Matt","startTime":406.871,"endTime":406.961,"body":"that"},{"speaker":"Matt","startTime":406.971,"endTime":407.091,"body":"they"},{"speaker":"Matt","startTime":407.091,"endTime":407.531,"body":"understand,"},{"speaker":"Matt","startTime":407.541,"endTime":407.701,"body":"like,"},{"speaker":"Matt","startTime":407.701,"endTime":407.891,"body":"hey,"},{"speaker":"Matt","startTime":407.891,"endTime":407.981,"body":"if"},{"speaker":"Matt","startTime":407.981,"endTime":408.061,"body":"you"},{"speaker":"Matt","startTime":408.061,"endTime":408.211,"body":"don't"},{"speaker":"Matt","startTime":408.211,"endTime":408.391,"body":"want"},{"speaker":"Matt","startTime":408.391,"endTime":408.771,"body":"this,"},{"speaker":"Matt","startTime":410.041,"endTime":410.311,"body":"opt"},{"speaker":"Matt","startTime":410.311,"endTime":410.551,"body":"out,"},{"speaker":"Evon","startTime":411.171,"endTime":411.591,"body":"Gotcha."},{"speaker":"Evon","startTime":412.281,"endTime":412.491,"body":"Yeah."},{"speaker":"Matt","startTime":412.731,"endTime":412.961,"body":"it's"},{"speaker":"Matt","startTime":412.961,"endTime":413.251,"body":"really,"},{"speaker":"Matt","startTime":413.251,"endTime":413.641,"body":"yeah,"},{"speaker":"Matt","startTime":413.721,"endTime":413.911,"body":"it"},{"speaker":"Matt","startTime":413.911,"endTime":414.271,"body":"is,"},{"speaker":"Matt","startTime":414.291,"endTime":414.521,"body":"it"},{"speaker":"Matt","startTime":414.521,"endTime":414.681,"body":"is"},{"speaker":"Matt","startTime":414.761,"endTime":414.911,"body":"a"},{"speaker":"Matt","startTime":414.911,"endTime":415.251,"body":"good"},{"speaker":"Matt","startTime":415.281,"endTime":415.521,"body":"safe"},{"speaker":"Matt","startTime":415.531,"endTime":415.881,"body":"harbor."},{"speaker":"Evon","startTime":416.461,"endTime":416.821,"body":"and"},{"speaker":"Evon","startTime":416.821,"endTime":417.031,"body":"the,"},{"speaker":"Evon","startTime":417.036,"endTime":417.181,"body":"the"},{"speaker":"Evon","startTime":417.181,"endTime":417.541,"body":"obvious"},{"speaker":"Evon","startTime":417.541,"endTime":418.021,"body":"benefits"},{"speaker":"Evon","startTime":418.021,"endTime":418.081,"body":"to"},{"speaker":"Evon","startTime":418.081,"endTime":418.291,"body":"that"},{"speaker":"Evon","startTime":418.291,"endTime":418.651,"body":"are"},{"speaker":"Evon","startTime":418.831,"endTime":419.221,"body":"the"},{"speaker":"Evon","startTime":419.311,"endTime":419.731,"body":"additional"},{"speaker":"Evon","startTime":419.731,"endTime":420.091,"body":"credit"},{"speaker":"Evon","startTime":420.096,"endTime":420.286,"body":"as"},{"speaker":"Evon","startTime":420.286,"endTime":420.406,"body":"you,"},{"speaker":"Evon","startTime":420.481,"endTime":420.721,"body":"as"},{"speaker":"Evon","startTime":420.721,"endTime":420.781,"body":"you"},{"speaker":"Evon","startTime":420.786,"endTime":420.991,"body":"just"},{"speaker":"Evon","startTime":420.991,"endTime":421.411,"body":"mentioned,"},{"speaker":"Evon","startTime":421.411,"endTime":421.471,"body":"the"},{"speaker":"Evon","startTime":421.471,"endTime":421.921,"body":"additional"},{"speaker":"Evon","startTime":421.926,"endTime":422.371,"body":"tax"},{"speaker":"Evon","startTime":422.371,"endTime":422.791,"body":"credit."},{"speaker":"Evon","startTime":423.191,"endTime":423.341,"body":"but"},{"speaker":"Evon","startTime":423.341,"endTime":423.641,"body":"also"},{"speaker":"Evon","startTime":423.646,"endTime":423.881,"body":"that"},{"speaker":"Evon","startTime":423.881,"endTime":424.301,"body":"it,"},{"speaker":"Evon","startTime":424.331,"endTime":424.601,"body":"it"},{"speaker":"Evon","startTime":424.606,"endTime":425.291,"body":"nudges"},{"speaker":"Evon","startTime":425.291,"endTime":426.041,"body":"employees"},{"speaker":"Evon","startTime":426.041,"endTime":426.371,"body":"to"},{"speaker":"Evon","startTime":426.371,"endTime":426.671,"body":"take"},{"speaker":"Evon","startTime":426.671,"endTime":427.061,"body":"advantage"},{"speaker":"Evon","startTime":427.066,"endTime":427.121,"body":"of"},{"speaker":"Evon","startTime":427.151,"endTime":427.211,"body":"the"},{"speaker":"Evon","startTime":427.211,"endTime":427.601,"body":"plan."},{"speaker":"Evon","startTime":427.721,"endTime":427.871,"body":"And"},{"speaker":"Evon","startTime":427.871,"endTime":428.141,"body":"if,"},{"speaker":"Evon","startTime":428.171,"endTime":428.441,"body":"if"},{"speaker":"Evon","startTime":428.441,"endTime":428.681,"body":"we"},{"speaker":"Evon","startTime":428.681,"endTime":429.071,"body":"want"},{"speaker":"Evon","startTime":429.071,"endTime":429.221,"body":"our"},{"speaker":"Evon","startTime":429.221,"endTime":429.761,"body":"employees"},{"speaker":"Evon","startTime":429.761,"endTime":430.121,"body":"to"},{"speaker":"Evon","startTime":430.361,"endTime":430.511,"body":"be"},{"speaker":"Evon","startTime":430.511,"endTime":430.871,"body":"involved"},{"speaker":"Evon","startTime":430.871,"endTime":430.961,"body":"in"},{"speaker":"Evon","startTime":430.961,"endTime":431.051,"body":"the"},{"speaker":"Evon","startTime":431.051,"endTime":431.441,"body":"plan"},{"speaker":"Evon","startTime":431.441,"endTime":431.561,"body":"to"},{"speaker":"Evon","startTime":431.561,"endTime":431.831,"body":"save"},{"speaker":"Evon","startTime":431.831,"endTime":431.951,"body":"for"},{"speaker":"Evon","startTime":431.951,"endTime":432.071,"body":"their"},{"speaker":"Evon","startTime":432.071,"endTime":432.191,"body":"own"},{"speaker":"Evon","startTime":432.191,"endTime":432.791,"body":"retirement,"},{"speaker":"Evon","startTime":433.071,"endTime":433.281,"body":"this"},{"speaker":"Evon","startTime":433.281,"endTime":433.431,"body":"is"},{"speaker":"Evon","startTime":433.431,"endTime":433.491,"body":"a"},{"speaker":"Evon","startTime":433.491,"endTime":433.821,"body":"great"},{"speaker":"Evon","startTime":433.821,"endTime":434.571,"body":"nudge"},{"speaker":"Evon","startTime":434.661,"endTime":434.811,"body":"to"},{"speaker":"Evon","startTime":434.811,"endTime":435.021,"body":"get"},{"speaker":"Evon","startTime":435.021,"endTime":435.201,"body":"them"},{"speaker":"Evon","startTime":435.201,"endTime":435.291,"body":"to"},{"speaker":"Evon","startTime":435.291,"endTime":435.441,"body":"do"},{"speaker":"Evon","startTime":435.441,"endTime":435.771,"body":"that."},{"speaker":"Matt","startTime":437.525,"endTime":437.715,"body":"And"},{"speaker":"Matt","startTime":438.645,"endTime":438.865,"body":"to,"},{"speaker":"Matt","startTime":438.925,"endTime":439.205,"body":"to"},{"speaker":"Matt","startTime":439.215,"endTime":439.635,"body":"actually"},{"speaker":"Matt","startTime":439.675,"endTime":439.985,"body":"add"},{"speaker":"Matt","startTime":439.995,"endTime":440.225,"body":"on"},{"speaker":"Matt","startTime":440.225,"endTime":440.585,"body":"that,"},{"speaker":"Matt","startTime":440.645,"endTime":440.855,"body":"as"},{"speaker":"Matt","startTime":440.855,"endTime":441.065,"body":"far"},{"speaker":"Matt","startTime":441.065,"endTime":441.195,"body":"as"},{"speaker":"Matt","startTime":441.195,"endTime":441.315,"body":"kind"},{"speaker":"Matt","startTime":441.315,"endTime":441.435,"body":"of"},{"speaker":"Matt","startTime":441.435,"endTime":441.585,"body":"a"},{"speaker":"Matt","startTime":441.665,"endTime":442.075,"body":"plan"},{"speaker":"Matt","startTime":442.075,"endTime":443.085,"body":"design"},{"speaker":"Matt","startTime":443.155,"endTime":443.955,"body":"inside,"},{"speaker":"Matt","startTime":444.355,"endTime":444.795,"body":"inside"},{"speaker":"Matt","startTime":444.805,"endTime":445.215,"body":"look,"},{"speaker":"Matt","startTime":445.225,"endTime":445.405,"body":"if"},{"speaker":"Matt","startTime":445.405,"endTime":445.525,"body":"you're"},{"speaker":"Matt","startTime":445.525,"endTime":445.915,"body":"not"},{"speaker":"Matt","startTime":445.915,"endTime":446.465,"body":"doing"},{"speaker":"Matt","startTime":446.565,"endTime":446.745,"body":"a"},{"speaker":"Matt","startTime":446.785,"endTime":447.055,"body":"safe"},{"speaker":"Matt","startTime":447.055,"endTime":447.515,"body":"harbor"},{"speaker":"Matt","startTime":447.545,"endTime":447.665,"body":"and"},{"speaker":"Matt","startTime":447.665,"endTime":447.755,"body":"you"},{"speaker":"Matt","startTime":447.755,"endTime":447.905,"body":"want"},{"speaker":"Matt","startTime":447.905,"endTime":447.955,"body":"to"},{"speaker":"Matt","startTime":447.955,"endTime":448.105,"body":"do"},{"speaker":"Matt","startTime":448.105,"endTime":448.185,"body":"a"},{"speaker":"Matt","startTime":448.185,"endTime":449.145,"body":"traditional,"},{"speaker":"Matt","startTime":449.855,"endTime":450.115,"body":"you"},{"speaker":"Matt","startTime":450.115,"endTime":450.455,"body":"want"},{"speaker":"Matt","startTime":450.495,"endTime":451.025,"body":"more."},{"speaker":"Matt","startTime":451.49,"endTime":452.28,"body":"contributions"},{"speaker":"Matt","startTime":452.29,"endTime":452.48,"body":"from"},{"speaker":"Matt","startTime":452.48,"endTime":452.55,"body":"your"},{"speaker":"Matt","startTime":452.55,"endTime":453.17,"body":"employees"},{"speaker":"Matt","startTime":453.17,"endTime":453.49,"body":"because"},{"speaker":"Matt","startTime":453.5,"endTime":453.57,"body":"a"},{"speaker":"Matt","startTime":453.57,"endTime":453.81,"body":"part"},{"speaker":"Matt","startTime":453.81,"endTime":453.84,"body":"of"},{"speaker":"Matt","startTime":453.84,"endTime":453.99,"body":"your"},{"speaker":"Matt","startTime":453.99,"endTime":454.35,"body":"annual"},{"speaker":"Matt","startTime":454.35,"endTime":454.95,"body":"testing"},{"speaker":"Matt","startTime":455.14,"endTime":455.64,"body":"does"},{"speaker":"Matt","startTime":455.67,"endTime":455.87,"body":"put"},{"speaker":"Matt","startTime":455.87,"endTime":456.06,"body":"that"},{"speaker":"Matt","startTime":456.06,"endTime":456.29,"body":"into"},{"speaker":"Matt","startTime":456.29,"endTime":456.6,"body":"place."},{"speaker":"Matt","startTime":456.61,"endTime":456.86,"body":"So"},{"speaker":"Matt","startTime":457.05,"endTime":457.19,"body":"the"},{"speaker":"Matt","startTime":457.19,"endTime":457.57,"body":"more"},{"speaker":"Matt","startTime":457.58,"endTime":457.89,"body":"they"},{"speaker":"Matt","startTime":457.89,"endTime":458.16,"body":"put"},{"speaker":"Matt","startTime":458.16,"endTime":458.52,"body":"in,"},{"speaker":"Matt","startTime":458.8,"endTime":458.96,"body":"the"},{"speaker":"Matt","startTime":458.96,"endTime":459.25,"body":"more"},{"speaker":"Matt","startTime":459.25,"endTime":459.59,"body":"you"},{"speaker":"Matt","startTime":459.62,"endTime":459.8,"body":"can"},{"speaker":"Matt","startTime":459.8,"endTime":460.01,"body":"put"},{"speaker":"Matt","startTime":460.01,"endTime":460.24,"body":"in."},{"speaker":"Matt","startTime":460.7,"endTime":461.02,"body":"So"},{"speaker":"Matt","startTime":461.04,"endTime":461.26,"body":"just"},{"speaker":"Matt","startTime":461.26,"endTime":461.28,"body":"a"},{"speaker":"Matt","startTime":461.28,"endTime":461.5,"body":"little"},{"speaker":"Matt","startTime":461.5,"endTime":461.78,"body":"side"},{"speaker":"Matt","startTime":461.78,"endTime":461.96,"body":"note"},{"speaker":"Matt","startTime":461.98,"endTime":462.13,"body":"on"},{"speaker":"Matt","startTime":462.13,"endTime":462.41,"body":"that."},{"speaker":"Matt","startTime":462.42,"endTime":462.55,"body":"So"},{"speaker":"Matt","startTime":462.56,"endTime":462.85,"body":"having"},{"speaker":"Matt","startTime":462.85,"endTime":462.99,"body":"that"},{"speaker":"Matt","startTime":463.0,"endTime":463.3,"body":"auto"},{"speaker":"Matt","startTime":463.3,"endTime":463.62,"body":"enroll"},{"speaker":"Matt","startTime":463.62,"endTime":463.94,"body":"feature"},{"speaker":"Matt","startTime":463.94,"endTime":464.07,"body":"is"},{"speaker":"Matt","startTime":464.07,"endTime":464.35,"body":"great."},{"speaker":"Matt","startTime":464.83,"endTime":465.23,"body":"next"},{"speaker":"Matt","startTime":465.25,"endTime":465.5,"body":"I,"},{"speaker":"Matt","startTime":465.5,"endTime":465.68,"body":"I"},{"speaker":"Matt","startTime":465.69,"endTime":466.11,"body":"do"},{"speaker":"Matt","startTime":466.12,"endTime":466.41,"body":"want"},{"speaker":"Matt","startTime":466.42,"endTime":466.54,"body":"to"},{"speaker":"Matt","startTime":466.54,"endTime":466.83,"body":"remind"},{"speaker":"Matt","startTime":466.83,"endTime":467.3,"body":"everybody,"},{"speaker":"Matt","startTime":467.31,"endTime":467.42,"body":"the"},{"speaker":"Matt","startTime":467.42,"endTime":467.78,"body":"tax"},{"speaker":"Matt","startTime":467.78,"endTime":468.13,"body":"credits"},{"speaker":"Matt","startTime":468.15,"endTime":468.31,"body":"that"},{"speaker":"Matt","startTime":468.31,"endTime":468.41,"body":"are"},{"speaker":"Matt","startTime":468.41,"endTime":469.06,"body":"available"},{"speaker":"Matt","startTime":469.33,"endTime":469.58,"body":"that"},{"speaker":"Matt","startTime":469.59,"endTime":469.89,"body":"did"},{"speaker":"Matt","startTime":469.891,"endTime":470.395,"body":"well,"},{"speaker":"Matt","startTime":470.395,"endTime":470.899,"body":"I"},{"speaker":"Matt","startTime":470.899,"endTime":471.403,"body":"guess,"},{"speaker":"Matt","startTime":471.403,"endTime":471.907,"body":"expanded"},{"speaker":"Matt","startTime":471.907,"endTime":472.411,"body":"in"},{"speaker":"Matt","startTime":472.411,"endTime":472.915,"body":"2023."},{"speaker":"Matt","startTime":473.095,"endTime":473.755,"body":"Are"},{"speaker":"Matt","startTime":473.785,"endTime":474.535,"body":"tremendous."},{"speaker":"Matt","startTime":474.535,"endTime":474.745,"body":"They"},{"speaker":"Matt","startTime":474.745,"endTime":475.075,"body":"are,"},{"speaker":"Matt","startTime":475.345,"endTime":475.885,"body":"much"},{"speaker":"Matt","startTime":475.885,"endTime":476.365,"body":"larger"},{"speaker":"Matt","startTime":476.365,"endTime":476.515,"body":"than"},{"speaker":"Matt","startTime":476.515,"endTime":476.665,"body":"they"},{"speaker":"Matt","startTime":476.665,"endTime":476.905,"body":"used"},{"speaker":"Matt","startTime":476.905,"endTime":477.025,"body":"to"},{"speaker":"Matt","startTime":477.025,"endTime":477.355,"body":"be."},{"speaker":"Matt","startTime":477.725,"endTime":477.875,"body":"you're"},{"speaker":"Matt","startTime":477.875,"endTime":478.085,"body":"gonna"},{"speaker":"Matt","startTime":478.085,"endTime":478.325,"body":"get"},{"speaker":"Matt","startTime":478.325,"endTime":479.885,"body":"$250"},{"speaker":"Matt","startTime":479.915,"endTime":480.635,"body":"per,"},{"speaker":"Matt","startTime":481.035,"endTime":481.635,"body":"non-high"},{"speaker":"Matt","startTime":481.815,"endTime":482.415,"body":"compensated"},{"speaker":"Matt","startTime":482.415,"endTime":483.045,"body":"employee"},{"speaker":"Matt","startTime":483.425,"endTime":483.725,"body":"that"},{"speaker":"Matt","startTime":483.725,"endTime":484.175,"body":"enrolls"},{"speaker":"Matt","startTime":484.18,"endTime":484.265,"body":"in"},{"speaker":"Matt","startTime":484.265,"endTime":484.325,"body":"the"},{"speaker":"Matt","startTime":484.325,"endTime":484.715,"body":"plan."},{"speaker":"Matt","startTime":484.72,"endTime":484.895,"body":"So"},{"speaker":"Matt","startTime":484.895,"endTime":485.615,"body":"250"},{"speaker":"Matt","startTime":485.675,"endTime":485.915,"body":"up"},{"speaker":"Matt","startTime":485.915,"endTime":486.065,"body":"to"},{"speaker":"Matt","startTime":486.065,"endTime":487.235,"body":"$5,000,"},{"speaker":"Matt","startTime":487.515,"endTime":487.605,"body":"a"},{"speaker":"Matt","startTime":487.605,"endTime":487.845,"body":"hundred"},{"speaker":"Matt","startTime":487.85,"endTime":488.115,"body":"percent"},{"speaker":"Matt","startTime":488.12,"endTime":488.175,"body":"of"},{"speaker":"Matt","startTime":488.175,"endTime":488.295,"body":"your"},{"speaker":"Matt","startTime":488.3,"endTime":488.775,"body":"out-of-pocket"},{"speaker":"Matt","startTime":488.78,"endTime":489.285,"body":"expenses"},{"speaker":"Matt","startTime":489.315,"endTime":489.495,"body":"up"},{"speaker":"Matt","startTime":489.495,"endTime":489.585,"body":"to"},{"speaker":"Matt","startTime":489.585,"endTime":490.605,"body":"$5,000."},{"speaker":"Matt","startTime":490.905,"endTime":491.115,"body":"That"},{"speaker":"Matt","startTime":491.115,"endTime":491.265,"body":"will"},{"speaker":"Matt","startTime":491.265,"endTime":491.655,"body":"wipe"},{"speaker":"Matt","startTime":491.655,"endTime":491.835,"body":"your"},{"speaker":"Matt","startTime":491.835,"endTime":492.435,"body":"out-of-pocket"},{"speaker":"Matt","startTime":492.435,"endTime":492.915,"body":"expenses"},{"speaker":"Matt","startTime":492.915,"endTime":493.215,"body":"out."},{"speaker":"Matt","startTime":493.315,"endTime":493.975,"body":"potentially."},{"speaker":"Matt","startTime":494.495,"endTime":495.005,"body":"And"},{"speaker":"Matt","startTime":495.005,"endTime":495.335,"body":"again,"},{"speaker":"Matt","startTime":495.335,"endTime":495.515,"body":"that"},{"speaker":"Matt","startTime":495.515,"endTime":496.325,"body":"$500"},{"speaker":"Matt","startTime":496.355,"endTime":496.445,"body":"for"},{"speaker":"Matt","startTime":496.445,"endTime":496.505,"body":"the"},{"speaker":"Matt","startTime":496.505,"endTime":496.745,"body":"auto"},{"speaker":"Matt","startTime":496.745,"endTime":497.135,"body":"enrollment."},{"speaker":"Matt","startTime":497.135,"endTime":497.285,"body":"So"},{"speaker":"Matt","startTime":497.285,"endTime":497.435,"body":"that's"},{"speaker":"Matt","startTime":497.44,"endTime":499.025,"body":"$5,500."},{"speaker":"Matt","startTime":499.575,"endTime":499.975,"body":"And"},{"speaker":"Matt","startTime":499.985,"endTime":500.725,"body":"then"},{"speaker":"Matt","startTime":501.535,"endTime":501.755,"body":"it's"},{"speaker":"Matt","startTime":501.755,"endTime":502.075,"body":"an"},{"speaker":"Matt","startTime":502.085,"endTime":502.745,"body":"additional"},{"speaker":"Matt","startTime":502.745,"endTime":504.205,"body":"$1,000"},{"speaker":"Matt","startTime":504.685,"endTime":504.955,"body":"per"},{"speaker":"Matt","startTime":504.955,"endTime":505.635,"body":"employee"},{"speaker":"Matt","startTime":505.665,"endTime":505.875,"body":"that"},{"speaker":"Matt","startTime":505.905,"endTime":506.315,"body":"earns"},{"speaker":"Matt","startTime":506.375,"endTime":506.855,"body":"under"},{"speaker":"Matt","startTime":506.855,"endTime":508.005,"body":"$100,000."},{"speaker":"Matt","startTime":508.025,"endTime":508.245,"body":"That's"},{"speaker":"Matt","startTime":508.245,"endTime":508.335,"body":"going"},{"speaker":"Matt","startTime":508.335,"endTime":508.385,"body":"to"},{"speaker":"Matt","startTime":508.395,"endTime":508.545,"body":"go"},{"speaker":"Matt","startTime":508.545,"endTime":508.925,"body":"towards"},{"speaker":"Matt","startTime":508.925,"endTime":509.125,"body":"their"},{"speaker":"Matt","startTime":509.135,"endTime":509.735,"body":"match"},{"speaker":"Matt","startTime":509.975,"endTime":510.215,"body":"or"},{"speaker":"Matt","startTime":510.215,"endTime":510.335,"body":"the"},{"speaker":"Matt","startTime":510.335,"endTime":510.855,"body":"employer"},{"speaker":"Matt","startTime":510.885,"endTime":511.745,"body":"contribution"},{"speaker":"Matt","startTime":511.745,"endTime":511.985,"body":"that"},{"speaker":"Matt","startTime":512.165,"endTime":512.305,"body":"you"},{"speaker":"Matt","startTime":512.305,"endTime":512.555,"body":"give"},{"speaker":"Matt","startTime":512.555,"endTime":512.765,"body":"them."},{"speaker":"Matt","startTime":513.085,"endTime":513.455,"body":"So"},{"speaker":"Matt","startTime":514.335,"endTime":515.445,"body":"substantial"},{"speaker":"Matt","startTime":516.055,"endTime":516.485,"body":"four"},{"speaker":"Matt","startTime":516.485,"endTime":516.565,"body":"or"},{"speaker":"Matt","startTime":516.565,"endTime":517.095,"body":"five"},{"speaker":"Matt","startTime":517.095,"endTime":517.625,"body":"digit"},{"speaker":"Matt","startTime":517.705,"endTime":518.075,"body":"tax"},{"speaker":"Matt","startTime":518.075,"endTime":518.495,"body":"credit"},{"speaker":"Matt","startTime":519.005,"endTime":519.445,"body":"amounts"},{"speaker":"Matt","startTime":519.495,"endTime":519.565,"body":"that"},{"speaker":"Matt","startTime":519.565,"endTime":519.655,"body":"are"},{"speaker":"Matt","startTime":519.675,"endTime":520.145,"body":"coming."},{"speaker":"Matt","startTime":520.565,"endTime":520.795,"body":"And"},{"speaker":"Matt","startTime":520.795,"endTime":521.015,"body":"those"},{"speaker":"Matt","startTime":521.015,"endTime":521.095,"body":"are"},{"speaker":"Matt","startTime":521.095,"endTime":521.255,"body":"for"},{"speaker":"Matt","startTime":521.255,"endTime":521.505,"body":"new"},{"speaker":"Matt","startTime":521.505,"endTime":521.935,"body":"plans"},{"speaker":"Matt","startTime":521.935,"endTime":522.095,"body":"that"},{"speaker":"Matt","startTime":522.095,"endTime":522.345,"body":"started"},{"speaker":"Matt","startTime":522.345,"endTime":522.475,"body":"in"},{"speaker":"Matt","startTime":522.475,"endTime":523.365,"body":"2023"},{"speaker":"Matt","startTime":523.365,"endTime":523.525,"body":"or"},{"speaker":"Matt","startTime":523.525,"endTime":524.045,"body":"beyond."},{"speaker":"Matt","startTime":524.595,"endTime":525.005,"body":"Or"},{"speaker":"Matt","startTime":525.005,"endTime":525.165,"body":"if"},{"speaker":"Matt","startTime":525.165,"endTime":525.265,"body":"there"},{"speaker":"Matt","startTime":525.265,"endTime":525.395,"body":"was"},{"speaker":"Matt","startTime":525.395,"endTime":525.465,"body":"a"},{"speaker":"Matt","startTime":525.465,"endTime":525.805,"body":"plan"},{"speaker":"Matt","startTime":525.805,"endTime":525.905,"body":"that"},{"speaker":"Matt","startTime":525.905,"endTime":526.045,"body":"was"},{"speaker":"Matt","startTime":526.045,"endTime":526.335,"body":"shut"},{"speaker":"Matt","startTime":526.335,"endTime":526.655,"body":"down"},{"speaker":"Matt","startTime":526.655,"endTime":526.825,"body":"for"},{"speaker":"Matt","startTime":526.825,"endTime":527.085,"body":"three"},{"speaker":"Matt","startTime":527.085,"endTime":527.355,"body":"years"},{"speaker":"Matt","startTime":527.375,"endTime":527.675,"body":"prior"},{"speaker":"Matt","startTime":527.675,"endTime":527.765,"body":"to"},{"speaker":"Matt","startTime":527.765,"endTime":528.145,"body":"that,"},{"speaker":"Matt","startTime":528.215,"endTime":528.385,"body":"they"},{"speaker":"Matt","startTime":528.385,"endTime":528.555,"body":"can"},{"speaker":"Matt","startTime":528.555,"endTime":528.865,"body":"start"},{"speaker":"Matt","startTime":528.865,"endTime":528.995,"body":"it"},{"speaker":"Matt","startTime":528.995,"endTime":529.395,"body":"again."},{"speaker":"Matt","startTime":530.21,"endTime":530.41,"body":"And"},{"speaker":"Matt","startTime":530.41,"endTime":530.49,"body":"they"},{"speaker":"Matt","startTime":530.49,"endTime":530.59,"body":"can"},{"speaker":"Matt","startTime":530.59,"endTime":530.74,"body":"get"},{"speaker":"Matt","startTime":530.74,"endTime":530.9,"body":"those"},{"speaker":"Matt","startTime":530.9,"endTime":531.14,"body":"tax"},{"speaker":"Matt","startTime":531.14,"endTime":531.51,"body":"credits."},{"speaker":"Evon","startTime":532.04,"endTime":532.29,"body":"Got"},{"speaker":"Evon","startTime":532.29,"endTime":532.39,"body":"it."},{"speaker":"Evon","startTime":532.39,"endTime":532.61,"body":"Yeah."},{"speaker":"Evon","startTime":532.61,"endTime":532.69,"body":"And"},{"speaker":"Evon","startTime":532.69,"endTime":532.99,"body":"that's,"},{"speaker":"Evon","startTime":533.02,"endTime":533.31,"body":"that's"},{"speaker":"Evon","startTime":533.31,"endTime":533.59,"body":"huge."},{"speaker":"Evon","startTime":533.59,"endTime":533.65,"body":"I"},{"speaker":"Evon","startTime":533.65,"endTime":533.76,"body":"mean,"},{"speaker":"Evon","startTime":533.76,"endTime":534.08,"body":"we're"},{"speaker":"Evon","startTime":534.12,"endTime":534.47,"body":"often"},{"speaker":"Evon","startTime":534.47,"endTime":534.88,"body":"talking"},{"speaker":"Evon","startTime":534.89,"endTime":535.09,"body":"with"},{"speaker":"Evon","startTime":535.09,"endTime":535.42,"body":"clients"},{"speaker":"Evon","startTime":535.42,"endTime":535.77,"body":"about,"},{"speaker":"Evon","startTime":536.28,"endTime":536.57,"body":"they"},{"speaker":"Evon","startTime":536.57,"endTime":536.7,"body":"want"},{"speaker":"Evon","startTime":536.7,"endTime":536.77,"body":"to"},{"speaker":"Evon","startTime":536.77,"endTime":536.97,"body":"know,"},{"speaker":"Evon","startTime":536.97,"endTime":537.09,"body":"you"},{"speaker":"Evon","startTime":537.09,"endTime":537.19,"body":"know,"},{"speaker":"Evon","startTime":537.19,"endTime":537.44,"body":"should"},{"speaker":"Evon","startTime":537.44,"endTime":537.51,"body":"they"},{"speaker":"Evon","startTime":537.51,"endTime":537.78,"body":"use"},{"speaker":"Evon","startTime":537.79,"endTime":537.8,"body":"a"},{"speaker":"Evon","startTime":537.81,"endTime":538.16,"body":"SIMPLE"},{"speaker":"Evon","startTime":538.16,"endTime":538.47,"body":"IRA"},{"speaker":"Evon","startTime":538.47,"endTime":539.06,"body":"plan?"},{"speaker":"Evon","startTime":539.07,"endTime":539.25,"body":"Should"},{"speaker":"Evon","startTime":539.25,"endTime":539.31,"body":"they"},{"speaker":"Evon","startTime":539.31,"endTime":539.44,"body":"use"},{"speaker":"Evon","startTime":539.44,"endTime":539.54,"body":"a"},{"speaker":"Evon","startTime":539.55,"endTime":540.12,"body":"401k"},{"speaker":"Evon","startTime":540.12,"endTime":540.64,"body":"plan?"},{"speaker":"Evon","startTime":540.97,"endTime":541.62,"body":"Especially"},{"speaker":"Evon","startTime":541.62,"endTime":541.79,"body":"for"},{"speaker":"Evon","startTime":541.79,"endTime":542.15,"body":"newer"},{"speaker":"Evon","startTime":542.15,"endTime":543.07,"body":"practices,"},{"speaker":"Evon","startTime":543.07,"endTime":543.55,"body":"relatively"},{"speaker":"Evon","startTime":543.55,"endTime":543.67,"body":"new"},{"speaker":"Evon","startTime":543.67,"endTime":544.42,"body":"practices."},{"speaker":"Evon","startTime":544.43,"endTime":544.79,"body":"And"},{"speaker":"Evon","startTime":545.11,"endTime":545.35,"body":"with"},{"speaker":"Evon","startTime":545.35,"endTime":545.47,"body":"the"},{"speaker":"Evon","startTime":545.49,"endTime":545.82,"body":"tax"},{"speaker":"Evon","startTime":545.82,"endTime":546.25,"body":"credits,"},{"speaker":"Evon","startTime":546.26,"endTime":546.46,"body":"the,"},{"speaker":"Evon","startTime":546.49,"endTime":546.59,"body":"the"},{"speaker":"Evon","startTime":546.59,"endTime":547.35,"body":"conversations"},{"speaker":"Evon","startTime":547.37,"endTime":547.56,"body":"kind"},{"speaker":"Evon","startTime":547.56,"endTime":547.72,"body":"of"},{"speaker":"Evon","startTime":547.73,"endTime":547.95,"body":"moot"},{"speaker":"Evon","startTime":547.98,"endTime":548.19,"body":"now."},{"speaker":"Evon","startTime":548.19,"endTime":548.26,"body":"I"},{"speaker":"Evon","startTime":548.26,"endTime":548.44,"body":"mean,"},{"speaker":"Evon","startTime":548.44,"endTime":548.67,"body":"as,"},{"speaker":"Evon","startTime":549.19,"endTime":549.55,"body":"as"},{"speaker":"Evon","startTime":549.55,"endTime":549.74,"body":"long"},{"speaker":"Evon","startTime":549.74,"endTime":549.84,"body":"as"},{"speaker":"Evon","startTime":549.84,"endTime":549.93,"body":"you"},{"speaker":"Evon","startTime":549.93,"endTime":550.08,"body":"see"},{"speaker":"Evon","startTime":550.08,"endTime":550.25,"body":"these"},{"speaker":"Evon","startTime":550.25,"endTime":550.54,"body":"tax"},{"speaker":"Evon","startTime":550.55,"endTime":550.84,"body":"credits"},{"speaker":"Evon","startTime":550.84,"endTime":551.07,"body":"sort"},{"speaker":"Evon","startTime":551.07,"endTime":551.18,"body":"of"},{"speaker":"Evon","startTime":551.24,"endTime":551.46,"body":"eat"},{"speaker":"Evon","startTime":551.46,"endTime":551.85,"body":"away"},{"speaker":"Evon","startTime":551.86,"endTime":552.19,"body":"much"},{"speaker":"Evon","startTime":552.19,"endTime":552.39,"body":"of,"},{"speaker":"Evon","startTime":552.4,"endTime":552.67,"body":"if"},{"speaker":"Evon","startTime":552.67,"endTime":552.96,"body":"not"},{"speaker":"Evon","startTime":552.99,"endTime":553.39,"body":"all"},{"speaker":"Evon","startTime":553.39,"endTime":553.74,"body":"of,"},{"speaker":"Evon","startTime":554.405,"endTime":554.635,"body":"The"},{"speaker":"Evon","startTime":554.635,"endTime":555.235,"body":"401k"},{"speaker":"Evon","startTime":555.235,"endTime":555.825,"body":"administrative"},{"speaker":"Evon","startTime":555.845,"endTime":556.245,"body":"costs"},{"speaker":"Evon","startTime":556.245,"endTime":556.405,"body":"that"},{"speaker":"Evon","startTime":556.405,"endTime":556.535,"body":"you"},{"speaker":"Evon","startTime":556.535,"endTime":556.755,"body":"might"},{"speaker":"Evon","startTime":556.755,"endTime":557.265,"body":"consider"},{"speaker":"Evon","startTime":557.275,"endTime":557.955,"body":"anyways,"},{"speaker":"Evon","startTime":558.355,"endTime":558.535,"body":"the"},{"speaker":"Evon","startTime":558.535,"endTime":558.915,"body":"longer"},{"speaker":"Evon","startTime":558.915,"endTime":559.145,"body":"term"},{"speaker":"Evon","startTime":559.145,"endTime":559.745,"body":"solution"},{"speaker":"Evon","startTime":559.745,"endTime":559.995,"body":"from,"},{"speaker":"Evon","startTime":560.165,"endTime":560.405,"body":"from"},{"speaker":"Evon","startTime":560.405,"endTime":560.605,"body":"my"},{"speaker":"Evon","startTime":560.605,"endTime":561.225,"body":"perspective"},{"speaker":"Evon","startTime":561.225,"endTime":561.395,"body":"is"},{"speaker":"Evon","startTime":561.395,"endTime":561.905,"body":"usually"},{"speaker":"Evon","startTime":561.905,"endTime":562.135,"body":"going"},{"speaker":"Evon","startTime":562.135,"endTime":562.185,"body":"to"},{"speaker":"Evon","startTime":562.195,"endTime":562.315,"body":"be"},{"speaker":"Evon","startTime":562.315,"endTime":562.435,"body":"the"},{"speaker":"Evon","startTime":562.435,"endTime":563.035,"body":"401k"},{"speaker":"Evon","startTime":563.035,"endTime":563.405,"body":"plan"},{"speaker":"Evon","startTime":563.695,"endTime":564.135,"body":"simply"},{"speaker":"Evon","startTime":564.135,"endTime":564.525,"body":"because"},{"speaker":"Evon","startTime":564.525,"endTime":564.675,"body":"of"},{"speaker":"Evon","startTime":564.675,"endTime":564.785,"body":"the"},{"speaker":"Evon","startTime":564.785,"endTime":565.375,"body":"additional"},{"speaker":"Evon","startTime":565.415,"endTime":565.995,"body":"amounts"},{"speaker":"Evon","startTime":566.015,"endTime":566.225,"body":"and"},{"speaker":"Evon","startTime":566.225,"endTime":566.695,"body":"features"},{"speaker":"Evon","startTime":566.695,"endTime":566.855,"body":"that"},{"speaker":"Evon","startTime":566.855,"endTime":566.985,"body":"it"},{"speaker":"Evon","startTime":566.985,"endTime":567.395,"body":"carries"},{"speaker":"Evon","startTime":567.395,"endTime":567.685,"body":"there."},{"speaker":"Evon","startTime":568.035,"endTime":568.285,"body":"but"},{"speaker":"Evon","startTime":568.285,"endTime":568.415,"body":"now"},{"speaker":"Evon","startTime":568.415,"endTime":568.475,"body":"that"},{"speaker":"Evon","startTime":568.505,"endTime":568.655,"body":"you"},{"speaker":"Evon","startTime":568.655,"endTime":568.925,"body":"have"},{"speaker":"Evon","startTime":568.925,"endTime":569.125,"body":"those"},{"speaker":"Evon","startTime":569.145,"endTime":569.485,"body":"tax"},{"speaker":"Evon","startTime":569.485,"endTime":569.815,"body":"credits"},{"speaker":"Evon","startTime":569.815,"endTime":570.055,"body":"sort"},{"speaker":"Evon","startTime":570.055,"endTime":570.185,"body":"of"},{"speaker":"Evon","startTime":570.235,"endTime":570.535,"body":"eating"},{"speaker":"Evon","startTime":570.535,"endTime":570.775,"body":"away"},{"speaker":"Evon","startTime":570.775,"endTime":570.845,"body":"a"},{"speaker":"Evon","startTime":570.845,"endTime":571.045,"body":"lot"},{"speaker":"Evon","startTime":571.045,"endTime":571.135,"body":"of"},{"speaker":"Evon","startTime":571.135,"endTime":571.395,"body":"those"},{"speaker":"Evon","startTime":571.435,"endTime":572.125,"body":"administrative"},{"speaker":"Evon","startTime":572.125,"endTime":572.735,"body":"costs"},{"speaker":"Evon","startTime":573.185,"endTime":573.305,"body":"in"},{"speaker":"Evon","startTime":573.305,"endTime":573.495,"body":"those"},{"speaker":"Evon","startTime":573.545,"endTime":573.825,"body":"early"},{"speaker":"Evon","startTime":573.825,"endTime":574.615,"body":"years,"},{"speaker":"Evon","startTime":574.795,"endTime":575.295,"body":"it's,"},{"speaker":"Evon","startTime":575.305,"endTime":575.575,"body":"it's"},{"speaker":"Evon","startTime":575.625,"endTime":575.965,"body":"kind"},{"speaker":"Evon","startTime":575.965,"endTime":576.175,"body":"of"},{"speaker":"Evon","startTime":576.175,"endTime":576.435,"body":"really"},{"speaker":"Evon","startTime":576.435,"endTime":576.735,"body":"not,"},{"speaker":"Evon","startTime":576.775,"endTime":577.105,"body":"in"},{"speaker":"Evon","startTime":577.105,"endTime":577.275,"body":"my"},{"speaker":"Evon","startTime":577.275,"endTime":577.735,"body":"opinion,"},{"speaker":"Evon","startTime":577.735,"endTime":577.895,"body":"not"},{"speaker":"Evon","startTime":577.895,"endTime":578.125,"body":"really"},{"speaker":"Evon","startTime":578.135,"endTime":578.385,"body":"much"},{"speaker":"Evon","startTime":578.385,"endTime":578.515,"body":"of"},{"speaker":"Evon","startTime":578.515,"endTime":578.575,"body":"a"},{"speaker":"Evon","startTime":578.575,"endTime":578.935,"body":"debate"},{"speaker":"Evon","startTime":578.935,"endTime":579.435,"body":"anymore."},{"speaker":"Evon","startTime":579.745,"endTime":579.815,"body":"I"},{"speaker":"Evon","startTime":579.815,"endTime":579.975,"body":"mean,"},{"speaker":"Evon","startTime":579.975,"endTime":580.185,"body":"I,"},{"speaker":"Evon","startTime":580.215,"endTime":580.445,"body":"I"},{"speaker":"Evon","startTime":580.445,"endTime":580.695,"body":"find"},{"speaker":"Evon","startTime":580.695,"endTime":581.145,"body":"myself"},{"speaker":"Evon","startTime":581.145,"endTime":581.685,"body":"saying"},{"speaker":"Evon","startTime":581.695,"endTime":582.005,"body":"those"},{"speaker":"Evon","startTime":582.015,"endTime":582.295,"body":"tax"},{"speaker":"Evon","startTime":582.295,"endTime":582.715,"body":"credits"},{"speaker":"Evon","startTime":582.725,"endTime":582.935,"body":"kind"},{"speaker":"Evon","startTime":582.935,"endTime":583.095,"body":"of"},{"speaker":"Evon","startTime":583.165,"endTime":583.365,"body":"point"},{"speaker":"Evon","startTime":583.365,"endTime":583.475,"body":"you"},{"speaker":"Evon","startTime":583.475,"endTime":583.595,"body":"in"},{"speaker":"Evon","startTime":583.595,"endTime":583.655,"body":"a"},{"speaker":"Evon","startTime":583.655,"endTime":584.075,"body":"direction"},{"speaker":"Evon","startTime":584.075,"endTime":584.105,"body":"of"},{"speaker":"Evon","startTime":584.115,"endTime":584.245,"body":"the"},{"speaker":"Evon","startTime":584.245,"endTime":584.735,"body":"401k"},{"speaker":"Evon","startTime":584.735,"endTime":585.005,"body":"plan"},{"speaker":"Evon","startTime":585.015,"endTime":585.565,"body":"anyways."},{"speaker":"Evon","startTime":586.035,"endTime":586.245,"body":"what"},{"speaker":"Evon","startTime":586.245,"endTime":586.315,"body":"are"},{"speaker":"Evon","startTime":586.315,"endTime":586.445,"body":"your"},{"speaker":"Evon","startTime":586.445,"endTime":586.725,"body":"thoughts"},{"speaker":"Evon","startTime":586.725,"endTime":586.935,"body":"on,"},{"speaker":"Evon","startTime":587.005,"endTime":587.355,"body":"on"},{"speaker":"Evon","startTime":587.355,"endTime":587.535,"body":"that,"},{"speaker":"Evon","startTime":587.535,"endTime":587.735,"body":"Matt?"},{"speaker":"Evon","startTime":587.755,"endTime":587.955,"body":"Do"},{"speaker":"Evon","startTime":588.025,"endTime":588.115,"body":"you"},{"speaker":"Evon","startTime":588.115,"endTime":588.335,"body":"kind"},{"speaker":"Evon","startTime":588.335,"endTime":588.405,"body":"of"},{"speaker":"Evon","startTime":588.405,"endTime":588.525,"body":"see"},{"speaker":"Evon","startTime":588.525,"endTime":588.565,"body":"it"},{"speaker":"Evon","startTime":588.585,"endTime":588.685,"body":"the"},{"speaker":"Evon","startTime":588.685,"endTime":588.895,"body":"same"},{"speaker":"Evon","startTime":588.895,"endTime":589.185,"body":"way?"},{"speaker":"Matt","startTime":589.482,"endTime":589.792,"body":"Yeah,"},{"speaker":"Matt","startTime":589.792,"endTime":590.432,"body":"absolutely."},{"speaker":"Matt","startTime":590.452,"endTime":590.822,"body":"It,"},{"speaker":"Matt","startTime":591.522,"endTime":591.692,"body":"I,"},{"speaker":"Matt","startTime":591.952,"endTime":592.202,"body":"the"},{"speaker":"Matt","startTime":592.202,"endTime":592.402,"body":"best"},{"speaker":"Matt","startTime":592.402,"endTime":592.482,"body":"way"},{"speaker":"Matt","startTime":592.482,"endTime":592.502,"body":"to"},{"speaker":"Matt","startTime":592.502,"endTime":592.822,"body":"explain"},{"speaker":"Matt","startTime":592.822,"endTime":592.872,"body":"it"},{"speaker":"Matt","startTime":592.872,"endTime":593.082,"body":"is"},{"speaker":"Matt","startTime":593.092,"endTime":593.382,"body":"if,"},{"speaker":"Matt","startTime":593.432,"endTime":593.642,"body":"if"},{"speaker":"Matt","startTime":593.642,"endTime":593.822,"body":"it"},{"speaker":"Matt","startTime":594.142,"endTime":594.482,"body":"ends"},{"speaker":"Matt","startTime":594.482,"endTime":594.742,"body":"in"},{"speaker":"Matt","startTime":594.752,"endTime":594.862,"body":"the"},{"speaker":"Matt","startTime":594.862,"endTime":595.192,"body":"word"},{"speaker":"Matt","startTime":595.192,"endTime":595.542,"body":"IRA,"},{"speaker":"Matt","startTime":596.242,"endTime":596.512,"body":"it's"},{"speaker":"Matt","startTime":596.512,"endTime":596.582,"body":"a"},{"speaker":"Matt","startTime":596.582,"endTime":596.952,"body":"very"},{"speaker":"Matt","startTime":596.962,"endTime":598.062,"body":"simplified,"},{"speaker":"Matt","startTime":598.162,"endTime":598.372,"body":"no"},{"speaker":"Matt","startTime":598.372,"endTime":598.562,"body":"pun"},{"speaker":"Matt","startTime":598.562,"endTime":599.142,"body":"intended,"},{"speaker":"Matt","startTime":599.592,"endTime":600.042,"body":"version"},{"speaker":"Matt","startTime":600.042,"endTime":600.192,"body":"of"},{"speaker":"Matt","startTime":600.192,"endTime":600.272,"body":"a"},{"speaker":"Matt","startTime":600.272,"endTime":600.722,"body":"retirement"},{"speaker":"Matt","startTime":600.722,"endTime":600.972,"body":"plan."},{"speaker":"Matt","startTime":601.622,"endTime":601.792,"body":"If"},{"speaker":"Matt","startTime":601.792,"endTime":601.992,"body":"it's"},{"speaker":"Matt","startTime":602.002,"endTime":602.762,"body":"401k,"},{"speaker":"Matt","startTime":602.772,"endTime":602.962,"body":"you"},{"speaker":"Matt","startTime":602.962,"endTime":603.052,"body":"can"},{"speaker":"Matt","startTime":603.052,"endTime":603.222,"body":"get"},{"speaker":"Matt","startTime":603.232,"endTime":603.682,"body":"much,"},{"speaker":"Matt","startTime":603.712,"endTime":604.032,"body":"much"},{"speaker":"Matt","startTime":604.042,"endTime":604.312,"body":"more"},{"speaker":"Matt","startTime":604.312,"endTime":605.002,"body":"creative."},{"speaker":"Matt","startTime":605.297,"endTime":606.027,"body":"And"},{"speaker":"Matt","startTime":608.097,"endTime":608.277,"body":"to,"},{"speaker":"Matt","startTime":608.277,"endTime":608.477,"body":"be"},{"speaker":"Matt","startTime":608.477,"endTime":608.677,"body":"more"},{"speaker":"Matt","startTime":608.687,"endTime":609.407,"body":"efficient"},{"speaker":"Matt","startTime":609.437,"endTime":609.817,"body":"and"},{"speaker":"Matt","startTime":610.077,"endTime":610.327,"body":"more"},{"speaker":"Matt","startTime":610.347,"endTime":611.077,"body":"advantageous"},{"speaker":"Matt","startTime":611.077,"endTime":611.217,"body":"for"},{"speaker":"Matt","startTime":611.217,"endTime":611.307,"body":"the"},{"speaker":"Matt","startTime":611.307,"endTime":611.737,"body":"business"},{"speaker":"Matt","startTime":611.777,"endTime":612.157,"body":"owner,"},{"speaker":"Matt","startTime":612.177,"endTime":612.527,"body":"meaning"},{"speaker":"Matt","startTime":612.717,"endTime":612.847,"body":"you"},{"speaker":"Matt","startTime":612.847,"endTime":612.967,"body":"can"},{"speaker":"Matt","startTime":612.977,"endTime":613.257,"body":"do"},{"speaker":"Matt","startTime":613.257,"endTime":613.607,"body":"different"},{"speaker":"Matt","startTime":613.607,"endTime":613.827,"body":"kinds"},{"speaker":"Matt","startTime":613.827,"endTime":614.067,"body":"of"},{"speaker":"Matt","startTime":614.357,"endTime":614.797,"body":"profit"},{"speaker":"Matt","startTime":614.797,"endTime":615.117,"body":"sharing"},{"speaker":"Matt","startTime":615.117,"endTime":615.927,"body":"calculations."},{"speaker":"Matt","startTime":615.937,"endTime":616.117,"body":"You"},{"speaker":"Matt","startTime":616.117,"endTime":616.297,"body":"can"},{"speaker":"Matt","startTime":616.297,"endTime":616.427,"body":"be"},{"speaker":"Matt","startTime":616.427,"endTime":616.517,"body":"a"},{"speaker":"Matt","startTime":616.517,"endTime":616.637,"body":"little"},{"speaker":"Matt","startTime":616.637,"endTime":616.787,"body":"bit"},{"speaker":"Matt","startTime":616.787,"endTime":616.967,"body":"more"},{"speaker":"Matt","startTime":616.967,"endTime":617.287,"body":"creative"},{"speaker":"Matt","startTime":617.287,"endTime":617.397,"body":"with"},{"speaker":"Matt","startTime":617.397,"endTime":617.487,"body":"the"},{"speaker":"Matt","startTime":617.487,"endTime":618.077,"body":"match"},{"speaker":"Matt","startTime":618.337,"endTime":619.117,"body":"eligibility"},{"speaker":"Matt","startTime":619.137,"endTime":619.927,"body":"alone."},{"speaker":"Matt","startTime":620.307,"endTime":620.457,"body":"You"},{"speaker":"Matt","startTime":620.457,"endTime":620.587,"body":"know,"},{"speaker":"Matt","startTime":620.587,"endTime":620.727,"body":"you"},{"speaker":"Matt","startTime":620.727,"endTime":620.867,"body":"only"},{"speaker":"Matt","startTime":620.867,"endTime":620.997,"body":"need"},{"speaker":"Matt","startTime":621.017,"endTime":621.287,"body":"to,"},{"speaker":"Matt","startTime":621.317,"endTime":621.467,"body":"your"},{"speaker":"Matt","startTime":621.467,"endTime":621.877,"body":"employees"},{"speaker":"Matt","startTime":621.877,"endTime":622.007,"body":"only"},{"speaker":"Matt","startTime":622.007,"endTime":622.167,"body":"need"},{"speaker":"Matt","startTime":622.167,"endTime":622.227,"body":"to"},{"speaker":"Matt","startTime":622.227,"endTime":622.457,"body":"make"},{"speaker":"Matt","startTime":622.457,"endTime":623.327,"body":"$5,000"},{"speaker":"Matt","startTime":623.348,"endTime":623.457,"body":"in"},{"speaker":"Matt","startTime":623.487,"endTime":623.497,"body":"a"},{"speaker":"Matt","startTime":623.497,"endTime":624.017,"body":"year."},{"speaker":"Matt","startTime":624.412,"endTime":624.542,"body":"To"},{"speaker":"Matt","startTime":624.542,"endTime":624.672,"body":"be"},{"speaker":"Matt","startTime":624.672,"endTime":625.032,"body":"eligible"},{"speaker":"Matt","startTime":625.032,"endTime":625.152,"body":"for"},{"speaker":"Matt","startTime":625.152,"endTime":625.252,"body":"the"},{"speaker":"Matt","startTime":625.312,"endTime":625.752,"body":"SIMPLE"},{"speaker":"Matt","startTime":625.752,"endTime":626.182,"body":"IRA,"},{"speaker":"Matt","startTime":626.872,"endTime":627.412,"body":"versus"},{"speaker":"Matt","startTime":627.412,"endTime":627.482,"body":"a"},{"speaker":"Matt","startTime":627.482,"endTime":627.912,"body":"thousand"},{"speaker":"Matt","startTime":627.912,"endTime":628.492,"body":"hours"},{"speaker":"Matt","startTime":628.532,"endTime":628.722,"body":"or"},{"speaker":"Matt","startTime":628.722,"endTime":629.132,"body":"more"},{"speaker":"Matt","startTime":629.142,"endTime":629.322,"body":"for"},{"speaker":"Matt","startTime":629.322,"endTime":629.442,"body":"the"},{"speaker":"Matt","startTime":629.442,"endTime":630.162,"body":"401k."},{"speaker":"Matt","startTime":630.182,"endTime":630.522,"body":"So"},{"speaker":"Matt","startTime":630.832,"endTime":631.222,"body":"that"},{"speaker":"Matt","startTime":631.222,"endTime":631.522,"body":"could,"},{"speaker":"Matt","startTime":631.672,"endTime":632.082,"body":"depending"},{"speaker":"Matt","startTime":632.082,"endTime":632.332,"body":"on"},{"speaker":"Matt","startTime":632.342,"endTime":632.812,"body":"your,"},{"speaker":"Matt","startTime":633.082,"endTime":633.652,"body":"your"},{"speaker":"Matt","startTime":633.852,"endTime":634.412,"body":"employee"},{"speaker":"Matt","startTime":634.412,"endTime":635.002,"body":"makeup,"},{"speaker":"Matt","startTime":635.102,"endTime":635.432,"body":"your"},{"speaker":"Matt","startTime":635.442,"endTime":635.902,"body":"employee"},{"speaker":"Matt","startTime":635.902,"endTime":636.222,"body":"pool,"},{"speaker":"Matt","startTime":636.222,"endTime":636.382,"body":"that"},{"speaker":"Matt","startTime":636.382,"endTime":636.472,"body":"could"},{"speaker":"Matt","startTime":636.482,"endTime":636.632,"body":"be"},{"speaker":"Matt","startTime":636.632,"endTime":636.682,"body":"a"},{"speaker":"Matt","startTime":636.682,"endTime":637.492,"body":"dramatic"},{"speaker":"Matt","startTime":638.092,"endTime":638.832,"body":"savings"},{"speaker":"Matt","startTime":638.872,"endTime":639.172,"body":"on"},{"speaker":"Matt","startTime":639.172,"endTime":639.352,"body":"what"},{"speaker":"Matt","startTime":639.352,"endTime":639.552,"body":"you"},{"speaker":"Matt","startTime":639.552,"endTime":639.752,"body":"end"},{"speaker":"Matt","startTime":639.752,"endTime":639.892,"body":"up"},{"speaker":"Matt","startTime":639.892,"endTime":640.372,"body":"having"},{"speaker":"Matt","startTime":640.372,"endTime":640.512,"body":"to"},{"speaker":"Matt","startTime":640.522,"endTime":640.832,"body":"give"},{"speaker":"Matt","startTime":640.832,"endTime":640.962,"body":"to"},{"speaker":"Matt","startTime":640.962,"endTime":641.092,"body":"your"},{"speaker":"Matt","startTime":641.092,"endTime":641.692,"body":"employer"},{"speaker":"Matt","startTime":641.862,"endTime":642.012,"body":"or"},{"speaker":"Matt","startTime":642.012,"endTime":642.152,"body":"to"},{"speaker":"Matt","startTime":642.152,"endTime":642.222,"body":"your"},{"speaker":"Matt","startTime":642.222,"endTime":642.842,"body":"employees."},{"speaker":"Matt","startTime":643.252,"endTime":643.782,"body":"and"},{"speaker":"Matt","startTime":643.792,"endTime":644.082,"body":"it's"},{"speaker":"Matt","startTime":644.122,"endTime":644.422,"body":"just,"},{"speaker":"Matt","startTime":644.722,"endTime":645.062,"body":"it"},{"speaker":"Matt","startTime":645.062,"endTime":645.272,"body":"just"},{"speaker":"Matt","startTime":645.272,"endTime":645.572,"body":"opens"},{"speaker":"Matt","startTime":645.572,"endTime":645.712,"body":"up"},{"speaker":"Matt","startTime":645.712,"endTime":645.802,"body":"the"},{"speaker":"Matt","startTime":645.802,"endTime":646.132,"body":"door"},{"speaker":"Matt","startTime":646.132,"endTime":646.412,"body":"to"},{"speaker":"Matt","startTime":646.422,"endTime":646.652,"body":"more"},{"speaker":"Matt","startTime":646.652,"endTime":647.442,"body":"creative"},{"speaker":"Matt","startTime":647.582,"endTime":647.912,"body":"plan"},{"speaker":"Matt","startTime":647.912,"endTime":648.512,"body":"design."},{"speaker":"Matt","startTime":649.012,"endTime":649.432,"body":"So"},{"speaker":"Matt","startTime":649.452,"endTime":649.712,"body":"now"},{"speaker":"Matt","startTime":649.712,"endTime":649.852,"body":"that"},{"speaker":"Matt","startTime":649.852,"endTime":649.972,"body":"we"},{"speaker":"Matt","startTime":649.972,"endTime":650.182,"body":"have"},{"speaker":"Matt","startTime":650.182,"endTime":650.422,"body":"these,"},{"speaker":"Matt","startTime":650.423,"endTime":650.582,"body":"these"},{"speaker":"Matt","startTime":650.872,"endTime":651.202,"body":"tax"},{"speaker":"Matt","startTime":651.202,"endTime":651.622,"body":"credits"},{"speaker":"Matt","startTime":651.632,"endTime":651.822,"body":"that"},{"speaker":"Matt","startTime":651.822,"endTime":652.062,"body":"are"},{"speaker":"Matt","startTime":652.452,"endTime":652.822,"body":"quite"},{"speaker":"Matt","startTime":652.822,"endTime":653.732,"body":"substantial."},{"speaker":"Matt","startTime":653.962,"endTime":654.092,"body":"you"},{"speaker":"Matt","startTime":654.092,"endTime":654.182,"body":"know,"},{"speaker":"Matt","startTime":654.182,"endTime":654.352,"body":"you"},{"speaker":"Matt","startTime":654.352,"endTime":654.582,"body":"can,"},{"speaker":"Matt","startTime":654.592,"endTime":654.792,"body":"you"},{"speaker":"Matt","startTime":654.792,"endTime":654.932,"body":"can"},{"speaker":"Matt","startTime":654.932,"endTime":655.312,"body":"create"},{"speaker":"Matt","startTime":655.322,"endTime":655.472,"body":"for"},{"speaker":"Matt","startTime":655.472,"endTime":655.572,"body":"the"},{"speaker":"Matt","startTime":655.572,"endTime":656.122,"body":"first"},{"speaker":"Matt","startTime":656.742,"endTime":657.032,"body":"three"},{"speaker":"Matt","startTime":657.032,"endTime":657.692,"body":"years,"},{"speaker":"Matt","startTime":658.022,"endTime":658.272,"body":"pretty"},{"speaker":"Matt","startTime":658.272,"endTime":658.742,"body":"close,"},{"speaker":"Matt","startTime":658.962,"endTime":659.192,"body":"three"},{"speaker":"Matt","startTime":659.192,"endTime":659.282,"body":"to"},{"speaker":"Matt","startTime":659.282,"endTime":659.592,"body":"five"},{"speaker":"Matt","startTime":659.592,"endTime":659.842,"body":"years,"},{"speaker":"Matt","startTime":659.872,"endTime":659.992,"body":"because"},{"speaker":"Matt","startTime":659.992,"endTime":660.102,"body":"they"},{"speaker":"Matt","startTime":660.102,"endTime":660.282,"body":"do"},{"speaker":"Matt","startTime":660.282,"endTime":660.612,"body":"drag"},{"speaker":"Matt","startTime":660.612,"endTime":660.772,"body":"on"},{"speaker":"Matt","startTime":660.772,"endTime":660.922,"body":"for"},{"speaker":"Matt","startTime":660.922,"endTime":661.242,"body":"five"},{"speaker":"Matt","startTime":661.242,"endTime":661.642,"body":"years."},{"speaker":"Matt","startTime":661.892,"endTime":662.082,"body":"pretty"},{"speaker":"Matt","startTime":662.082,"endTime":662.322,"body":"close"},{"speaker":"Matt","startTime":662.322,"endTime":662.402,"body":"to"},{"speaker":"Matt","startTime":662.402,"endTime":662.462,"body":"a"},{"speaker":"Matt","startTime":662.462,"endTime":662.762,"body":"net"},{"speaker":"Matt","startTime":662.772,"endTime":663.272,"body":"zero"},{"speaker":"Matt","startTime":663.352,"endTime":663.632,"body":"plan"},{"speaker":"Matt","startTime":663.632,"endTime":664.212,"body":"design,"},{"speaker":"Matt","startTime":664.342,"endTime":664.612,"body":"if,"},{"speaker":"Matt","startTime":664.652,"endTime":665.022,"body":"if,"},{"speaker":"Matt","startTime":665.092,"endTime":665.292,"body":"if"},{"speaker":"Matt","startTime":665.292,"endTime":665.422,"body":"you"},{"speaker":"Matt","startTime":665.422,"endTime":665.752,"body":"wanted"},{"speaker":"Matt","startTime":665.762,"endTime":666.142,"body":"that."},{"speaker":"Matt","startTime":666.222,"endTime":666.642,"body":"So,"},{"speaker":"Matt","startTime":666.862,"endTime":667.042,"body":"it's"},{"speaker":"Matt","startTime":667.042,"endTime":667.302,"body":"very,"},{"speaker":"Matt","startTime":667.302,"endTime":667.632,"body":"very"},{"speaker":"Matt","startTime":667.762,"endTime":668.372,"body":"advantageous"},{"speaker":"Matt","startTime":668.372,"endTime":668.532,"body":"to"},{"speaker":"Matt","startTime":668.532,"endTime":668.802,"body":"lean"},{"speaker":"Matt","startTime":668.802,"endTime":669.122,"body":"towards"},{"speaker":"Matt","startTime":669.122,"endTime":669.652,"body":"401k"},{"speaker":"Matt","startTime":669.652,"endTime":669.852,"body":"right"},{"speaker":"Matt","startTime":669.852,"endTime":670.062,"body":"now."},{"speaker":"Evon","startTime":671.247,"endTime":671.497,"body":"What"},{"speaker":"Evon","startTime":671.497,"endTime":671.787,"body":"else,"},{"speaker":"Evon","startTime":671.797,"endTime":671.927,"body":"what"},{"speaker":"Evon","startTime":671.927,"endTime":672.107,"body":"else"},{"speaker":"Evon","startTime":672.107,"endTime":672.247,"body":"is"},{"speaker":"Evon","startTime":672.247,"endTime":672.347,"body":"on"},{"speaker":"Evon","startTime":672.347,"endTime":672.437,"body":"the"},{"speaker":"Evon","startTime":672.437,"endTime":672.757,"body":"docket"},{"speaker":"Evon","startTime":672.757,"endTime":672.857,"body":"for"},{"speaker":"Evon","startTime":672.857,"endTime":673.617,"body":"2024"},{"speaker":"Evon","startTime":673.637,"endTime":673.827,"body":"and"},{"speaker":"Evon","startTime":673.827,"endTime":674.187,"body":"beyond?"},{"speaker":"Matt","startTime":674.674,"endTime":674.851,"body":"know,"},{"speaker":"Matt","startTime":674.851,"endTime":675.061,"body":"that's"},{"speaker":"Matt","startTime":675.061,"endTime":675.191,"body":"it"},{"speaker":"Matt","startTime":675.191,"endTime":675.301,"body":"for"},{"speaker":"Matt","startTime":675.301,"endTime":675.421,"body":"the"},{"speaker":"Matt","startTime":675.431,"endTime":676.031,"body":"changes"},{"speaker":"Matt","startTime":676.031,"endTime":676.231,"body":"right"},{"speaker":"Matt","startTime":676.231,"endTime":676.571,"body":"now."},{"speaker":"Matt","startTime":676.601,"endTime":676.871,"body":"there's"},{"speaker":"Matt","startTime":676.961,"endTime":677.281,"body":"a,"},{"speaker":"Matt","startTime":677.531,"endTime":677.681,"body":"a"},{"speaker":"Matt","startTime":677.811,"endTime":678.081,"body":"lot"},{"speaker":"Matt","startTime":678.081,"endTime":678.261,"body":"of"},{"speaker":"Matt","startTime":678.261,"endTime":678.781,"body":"things,"},{"speaker":"Matt","startTime":678.811,"endTime":679.031,"body":"that"},{"speaker":"Matt","startTime":679.031,"endTime":679.141,"body":"are"},{"speaker":"Matt","startTime":679.141,"endTime":679.331,"body":"kind"},{"speaker":"Matt","startTime":679.331,"endTime":679.461,"body":"of"},{"speaker":"Matt","startTime":679.471,"endTime":679.561,"body":"in"},{"speaker":"Matt","startTime":679.561,"endTime":679.671,"body":"the"},{"speaker":"Matt","startTime":679.671,"endTime":680.191,"body":"works."},{"speaker":"Matt","startTime":680.431,"endTime":680.711,"body":"I"},{"speaker":"Matt","startTime":680.721,"endTime":681.031,"body":"do"},{"speaker":"Matt","startTime":681.041,"endTime":681.921,"body":"expect,"},{"speaker":"Matt","startTime":682.251,"endTime":682.411,"body":"so"},{"speaker":"Matt","startTime":682.411,"endTime":682.591,"body":"right"},{"speaker":"Matt","startTime":682.591,"endTime":682.751,"body":"now"},{"speaker":"Matt","startTime":682.751,"endTime":682.891,"body":"it's"},{"speaker":"Matt","startTime":682.891,"endTime":682.961,"body":"a"},{"speaker":"Matt","startTime":682.961,"endTime":683.351,"body":"thousand"},{"speaker":"Matt","startTime":683.351,"endTime":683.591,"body":"hours"},{"speaker":"Matt","startTime":683.591,"endTime":683.651,"body":"or"},{"speaker":"Matt","startTime":683.651,"endTime":683.981,"body":"more"},{"speaker":"Matt","startTime":684.011,"endTime":684.711,"body":"eligibility."},{"speaker":"Matt","startTime":685.156,"endTime":685.316,"body":"for"},{"speaker":"Matt","startTime":685.316,"endTime":685.426,"body":"the"},{"speaker":"Matt","startTime":685.426,"endTime":685.996,"body":"employees"},{"speaker":"Matt","startTime":686.006,"endTime":686.116,"body":"to"},{"speaker":"Matt","startTime":686.116,"endTime":686.236,"body":"be"},{"speaker":"Matt","startTime":686.236,"endTime":686.606,"body":"eligible"},{"speaker":"Matt","startTime":686.606,"endTime":686.726,"body":"for"},{"speaker":"Matt","startTime":686.726,"endTime":686.886,"body":"your"},{"speaker":"Matt","startTime":686.886,"endTime":687.466,"body":"401k."},{"speaker":"Matt","startTime":688.986,"endTime":689.666,"body":"The,"},{"speaker":"Matt","startTime":690.046,"endTime":690.356,"body":"there"},{"speaker":"Matt","startTime":690.356,"endTime":690.496,"body":"is"},{"speaker":"Matt","startTime":690.496,"endTime":690.626,"body":"a"},{"speaker":"Matt","startTime":690.646,"endTime":691.006,"body":"part"},{"speaker":"Matt","startTime":691.006,"endTime":691.566,"body":"time"},{"speaker":"Matt","startTime":691.756,"endTime":692.336,"body":"rule"},{"speaker":"Matt","startTime":692.556,"endTime":692.796,"body":"that"},{"speaker":"Matt","startTime":692.796,"endTime":692.936,"body":"is"},{"speaker":"Matt","startTime":692.936,"endTime":693.476,"body":"current"},{"speaker":"Matt","startTime":693.756,"endTime":694.166,"body":"for"},{"speaker":"Matt","startTime":694.176,"endTime":694.516,"body":"anyone"},{"speaker":"Matt","startTime":694.516,"endTime":694.846,"body":"between"},{"speaker":"Matt","startTime":694.856,"endTime":695.356,"body":"500"},{"speaker":"Matt","startTime":695.376,"endTime":695.516,"body":"to"},{"speaker":"Matt","startTime":695.516,"endTime":695.576,"body":"a"},{"speaker":"Matt","startTime":695.576,"endTime":696.236,"body":"thousand"},{"speaker":"Matt","startTime":696.526,"endTime":697.086,"body":"hours"},{"speaker":"Matt","startTime":697.326,"endTime":698.046,"body":"is"},{"speaker":"Matt","startTime":698.506,"endTime":699.436,"body":"eligible"},{"speaker":"Matt","startTime":699.666,"endTime":699.866,"body":"as"},{"speaker":"Matt","startTime":699.866,"endTime":700.166,"body":"long"},{"speaker":"Matt","startTime":700.166,"endTime":700.286,"body":"as"},{"speaker":"Matt","startTime":700.286,"endTime":700.496,"body":"they're"},{"speaker":"Matt","startTime":700.496,"endTime":700.776,"body":"with"},{"speaker":"Matt","startTime":700.776,"endTime":700.966,"body":"you"},{"speaker":"Matt","startTime":700.966,"endTime":701.176,"body":"for"},{"speaker":"Matt","startTime":701.496,"endTime":701.776,"body":"three"},{"speaker":"Matt","startTime":701.776,"endTime":702.326,"body":"consecutive"},{"speaker":"Matt","startTime":702.326,"endTime":702.726,"body":"years."},{"speaker":"Matt","startTime":703.241,"endTime":703.351,"body":"So"},{"speaker":"Matt","startTime":703.351,"endTime":703.451,"body":"they"},{"speaker":"Matt","startTime":703.451,"endTime":703.551,"body":"have"},{"speaker":"Matt","startTime":703.551,"endTime":703.571,"body":"to"},{"speaker":"Matt","startTime":703.591,"endTime":703.711,"body":"be"},{"speaker":"Matt","startTime":703.711,"endTime":703.861,"body":"with"},{"speaker":"Matt","startTime":703.861,"endTime":703.961,"body":"you"},{"speaker":"Matt","startTime":703.961,"endTime":704.141,"body":"for"},{"speaker":"Matt","startTime":704.141,"endTime":704.531,"body":"three"},{"speaker":"Matt","startTime":704.531,"endTime":704.841,"body":"years"},{"speaker":"Matt","startTime":704.841,"endTime":704.911,"body":"in"},{"speaker":"Matt","startTime":704.911,"endTime":704.971,"body":"a"},{"speaker":"Matt","startTime":704.971,"endTime":705.251,"body":"row"},{"speaker":"Matt","startTime":705.291,"endTime":705.531,"body":"at"},{"speaker":"Matt","startTime":705.531,"endTime":705.801,"body":"that"},{"speaker":"Matt","startTime":705.871,"endTime":706.371,"body":"hour."},{"speaker":"Matt","startTime":706.711,"endTime":706.881,"body":"And"},{"speaker":"Matt","startTime":706.881,"endTime":707.001,"body":"then"},{"speaker":"Matt","startTime":707.001,"endTime":707.151,"body":"you"},{"speaker":"Matt","startTime":707.151,"endTime":707.291,"body":"can"},{"speaker":"Matt","startTime":707.291,"endTime":707.571,"body":"create"},{"speaker":"Matt","startTime":707.571,"endTime":707.641,"body":"a"},{"speaker":"Matt","startTime":707.641,"endTime":707.941,"body":"whole"},{"speaker":"Matt","startTime":707.951,"endTime":708.301,"body":"nother"},{"speaker":"Matt","startTime":708.301,"endTime":708.531,"body":"rule"},{"speaker":"Matt","startTime":708.531,"endTime":708.631,"body":"of"},{"speaker":"Matt","startTime":708.631,"endTime":709.461,"body":"eligibility."},{"speaker":"Matt","startTime":709.631,"endTime":709.721,"body":"You"},{"speaker":"Matt","startTime":709.721,"endTime":709.861,"body":"don't"},{"speaker":"Matt","startTime":709.861,"endTime":709.901,"body":"even"},{"speaker":"Matt","startTime":709.921,"endTime":710.061,"body":"have"},{"speaker":"Matt","startTime":710.061,"endTime":710.151,"body":"to"},{"speaker":"Matt","startTime":710.151,"endTime":710.541,"body":"match"},{"speaker":"Matt","startTime":710.541,"endTime":710.711,"body":"them."},{"speaker":"Matt","startTime":710.711,"endTime":710.801,"body":"You"},{"speaker":"Matt","startTime":710.801,"endTime":710.861,"body":"just"},{"speaker":"Matt","startTime":710.891,"endTime":711.061,"body":"have"},{"speaker":"Matt","startTime":711.061,"endTime":711.151,"body":"to"},{"speaker":"Matt","startTime":711.151,"endTime":711.301,"body":"let"},{"speaker":"Matt","startTime":711.301,"endTime":711.411,"body":"them"},{"speaker":"Matt","startTime":711.451,"endTime":711.661,"body":"in"},{"speaker":"Matt","startTime":711.661,"endTime":711.771,"body":"the"},{"speaker":"Matt","startTime":711.771,"endTime":712.131,"body":"plan."},{"speaker":"Matt","startTime":712.701,"endTime":713.041,"body":"That's"},{"speaker":"Matt","startTime":713.041,"endTime":713.281,"body":"going"},{"speaker":"Matt","startTime":713.281,"endTime":713.381,"body":"to"},{"speaker":"Matt","startTime":713.391,"endTime":713.521,"body":"be"},{"speaker":"Matt","startTime":713.521,"endTime":713.791,"body":"shrunk"},{"speaker":"Matt","startTime":713.791,"endTime":713.961,"body":"down"},{"speaker":"Matt","startTime":713.961,"endTime":714.071,"body":"to"},{"speaker":"Matt","startTime":714.071,"endTime":714.281,"body":"two"},{"speaker":"Matt","startTime":714.281,"endTime":714.581,"body":"years"},{"speaker":"Matt","startTime":714.581,"endTime":715.361,"body":"consecutively."},{"speaker":"Matt","startTime":715.481,"endTime":715.971,"body":"So"},{"speaker":"Matt","startTime":716.591,"endTime":716.861,"body":"not"},{"speaker":"Matt","startTime":716.861,"endTime":716.991,"body":"that"},{"speaker":"Matt","startTime":716.991,"endTime":717.101,"body":"it's"},{"speaker":"Matt","startTime":717.101,"endTime":717.191,"body":"going"},{"speaker":"Matt","startTime":717.191,"endTime":717.221,"body":"to"},{"speaker":"Matt","startTime":717.221,"endTime":717.351,"body":"be"},{"speaker":"Matt","startTime":717.351,"endTime":717.411,"body":"a"},{"speaker":"Matt","startTime":717.411,"endTime":717.761,"body":"huge"},{"speaker":"Matt","startTime":717.771,"endTime":718.401,"body":"problem,"},{"speaker":"Matt","startTime":718.411,"endTime":718.711,"body":"huge"},{"speaker":"Matt","startTime":718.721,"endTime":719.181,"body":"cost"},{"speaker":"Matt","startTime":719.191,"endTime":719.701,"body":"extra,"},{"speaker":"Matt","startTime":719.711,"endTime":719.991,"body":"because"},{"speaker":"Matt","startTime":719.991,"endTime":720.091,"body":"you"},{"speaker":"Matt","startTime":720.091,"endTime":720.251,"body":"can"},{"speaker":"Matt","startTime":720.251,"endTime":720.471,"body":"make"},{"speaker":"Matt","startTime":720.471,"endTime":720.781,"body":"those,"},{"speaker":"Matt","startTime":720.831,"endTime":720.991,"body":"you"},{"speaker":"Matt","startTime":720.991,"endTime":721.141,"body":"can"},{"speaker":"Matt","startTime":721.141,"endTime":721.371,"body":"tweak"},{"speaker":"Matt","startTime":721.411,"endTime":721.641,"body":"those"},{"speaker":"Matt","startTime":721.651,"endTime":722.331,"body":"changes."},{"speaker":"Matt","startTime":722.671,"endTime":722.861,"body":"it's"},{"speaker":"Matt","startTime":722.861,"endTime":723.021,"body":"just"},{"speaker":"Matt","startTime":723.021,"endTime":723.141,"body":"going"},{"speaker":"Matt","startTime":723.141,"endTime":723.191,"body":"to"},{"speaker":"Matt","startTime":723.201,"endTime":723.371,"body":"be"},{"speaker":"Matt","startTime":723.371,"endTime":723.591,"body":"more"},{"speaker":"Matt","startTime":723.591,"endTime":723.701,"body":"of"},{"speaker":"Matt","startTime":723.701,"endTime":723.951,"body":"maybe"},{"speaker":"Matt","startTime":723.951,"endTime":724.001,"body":"a"},{"speaker":"Matt","startTime":724.001,"endTime":724.571,"body":"nominal"},{"speaker":"Matt","startTime":724.671,"endTime":725.121,"body":"annual"},{"speaker":"Matt","startTime":725.131,"endTime":725.441,"body":"fee"},{"speaker":"Matt","startTime":725.441,"endTime":725.711,"body":"because"},{"speaker":"Matt","startTime":725.711,"endTime":725.801,"body":"the"},{"speaker":"Matt","startTime":725.801,"endTime":726.221,"body":"more"},{"speaker":"Matt","startTime":726.501,"endTime":727.141,"body":"participants"},{"speaker":"Matt","startTime":727.141,"endTime":727.251,"body":"that"},{"speaker":"Matt","startTime":727.251,"endTime":727.391,"body":"you"},{"speaker":"Matt","startTime":727.391,"endTime":727.701,"body":"allow"},{"speaker":"Matt","startTime":727.701,"endTime":727.981,"body":"into"},{"speaker":"Matt","startTime":727.981,"endTime":728.051,"body":"a"},{"speaker":"Matt","startTime":728.051,"endTime":728.491,"body":"plan"},{"speaker":"Matt","startTime":728.491,"endTime":728.591,"body":"or"},{"speaker":"Matt","startTime":728.591,"endTime":728.741,"body":"that"},{"speaker":"Matt","startTime":728.741,"endTime":728.821,"body":"are"},{"speaker":"Matt","startTime":728.831,"endTime":729.011,"body":"in"},{"speaker":"Matt","startTime":729.011,"endTime":729.071,"body":"a"},{"speaker":"Matt","startTime":729.071,"endTime":729.601,"body":"plan,"},{"speaker":"Matt","startTime":729.841,"endTime":730.011,"body":"you'll"},{"speaker":"Matt","startTime":730.011,"endTime":730.221,"body":"have"},{"speaker":"Matt","startTime":730.221,"endTime":730.321,"body":"an"},{"speaker":"Matt","startTime":730.321,"endTime":730.731,"body":"extra"},{"speaker":"Matt","startTime":731.231,"endTime":731.921,"body":"administrative"},{"speaker":"Matt","startTime":731.921,"endTime":732.241,"body":"cost"},{"speaker":"Matt","startTime":732.241,"endTime":732.751,"body":"potentially"},{"speaker":"Matt","startTime":732.751,"endTime":732.831,"body":"in"},{"speaker":"Matt","startTime":732.831,"endTime":733.131,"body":"that."},{"speaker":"Matt","startTime":733.431,"endTime":733.581,"body":"but"},{"speaker":"Matt","startTime":733.581,"endTime":733.761,"body":"that"},{"speaker":"Matt","startTime":733.761,"endTime":733.951,"body":"is"},{"speaker":"Matt","startTime":733.961,"endTime":734.381,"body":"also"},{"speaker":"Matt","startTime":734.381,"endTime":734.521,"body":"on"},{"speaker":"Matt","startTime":734.521,"endTime":734.691,"body":"its"},{"speaker":"Matt","startTime":734.691,"endTime":734.951,"body":"way."},{"speaker":"Evon","startTime":735.646,"endTime":736.016,"body":"Gotcha."},{"speaker":"Evon","startTime":736.426,"endTime":736.776,"body":"Okay."},{"speaker":"Evon","startTime":737.216,"endTime":737.696,"body":"anything"},{"speaker":"Evon","startTime":737.696,"endTime":737.986,"body":"else"},{"speaker":"Evon","startTime":737.986,"endTime":738.136,"body":"that"},{"speaker":"Evon","startTime":738.136,"endTime":738.246,"body":"we"},{"speaker":"Evon","startTime":738.246,"endTime":738.426,"body":"should"},{"speaker":"Evon","startTime":738.426,"endTime":738.596,"body":"know"},{"speaker":"Evon","startTime":738.596,"endTime":738.966,"body":"about"},{"speaker":"Evon","startTime":739.036,"endTime":739.416,"body":"this"},{"speaker":"Evon","startTime":739.416,"endTime":739.856,"body":"year"},{"speaker":"Evon","startTime":739.996,"endTime":740.216,"body":"and"},{"speaker":"Evon","startTime":740.216,"endTime":740.676,"body":"beyond?"},{"speaker":"Matt","startTime":741.654,"endTime":741.884,"body":"No,"},{"speaker":"Matt","startTime":741.884,"endTime":742.224,"body":"nothing,"},{"speaker":"Matt","startTime":742.234,"endTime":742.524,"body":"nothing"},{"speaker":"Matt","startTime":742.524,"endTime":742.834,"body":"else."},{"speaker":"Matt","startTime":742.854,"endTime":743.124,"body":"that's,"},{"speaker":"Matt","startTime":743.554,"endTime":743.814,"body":"that's"},{"speaker":"Matt","startTime":743.814,"endTime":743.994,"body":"a"},{"speaker":"Matt","startTime":744.004,"endTime":744.274,"body":"big"},{"speaker":"Matt","startTime":744.274,"endTime":744.594,"body":"news,"},{"speaker":"Matt","startTime":744.594,"endTime":744.734,"body":"if"},{"speaker":"Matt","startTime":744.734,"endTime":744.834,"body":"you"},{"speaker":"Matt","startTime":744.834,"endTime":745.134,"body":"will,"},{"speaker":"Matt","startTime":745.144,"endTime":745.614,"body":"for,"},{"speaker":"Matt","startTime":745.644,"endTime":745.794,"body":"for"},{"speaker":"Matt","startTime":745.794,"endTime":746.954,"body":"2024,"},{"speaker":"Matt","startTime":746.954,"endTime":747.109,"body":"2025."},{"speaker":"Evon","startTime":747.527,"endTime":747.877,"body":"Gotcha."},{"speaker":"Evon","startTime":747.887,"endTime":748.247,"body":"So"},{"speaker":"Evon","startTime":748.287,"endTime":748.677,"body":"let's"},{"speaker":"Evon","startTime":748.697,"endTime":748.967,"body":"talk"},{"speaker":"Evon","startTime":748.977,"endTime":749.427,"body":"about"},{"speaker":"Evon","startTime":749.657,"endTime":750.247,"body":"important"},{"speaker":"Evon","startTime":750.247,"endTime":750.777,"body":"deadlines."},{"speaker":"Evon","startTime":750.777,"endTime":751.027,"body":"We're"},{"speaker":"Evon","startTime":751.077,"endTime":751.217,"body":"kind"},{"speaker":"Evon","startTime":751.217,"endTime":751.267,"body":"of"},{"speaker":"Evon","startTime":751.287,"endTime":751.477,"body":"getting"},{"speaker":"Evon","startTime":751.477,"endTime":751.777,"body":"towards"},{"speaker":"Evon","startTime":751.777,"endTime":751.887,"body":"the"},{"speaker":"Evon","startTime":751.887,"endTime":752.027,"body":"end"},{"speaker":"Evon","startTime":752.027,"endTime":752.047,"body":"of"},{"speaker":"Evon","startTime":752.047,"endTime":752.127,"body":"the"},{"speaker":"Evon","startTime":752.127,"endTime":752.547,"body":"year."},{"speaker":"Evon","startTime":752.897,"endTime":753.037,"body":"I"},{"speaker":"Evon","startTime":753.037,"endTime":753.217,"body":"know"},{"speaker":"Evon","startTime":753.217,"endTime":753.497,"body":"I'm"},{"speaker":"Evon","startTime":753.497,"endTime":753.777,"body":"getting"},{"speaker":"Evon","startTime":753.777,"endTime":753.947,"body":"all"},{"speaker":"Evon","startTime":753.947,"endTime":754.087,"body":"the"},{"speaker":"Evon","startTime":754.087,"endTime":754.567,"body":"emails"},{"speaker":"Evon","startTime":754.567,"endTime":754.797,"body":"from"},{"speaker":"Evon","startTime":754.797,"endTime":755.117,"body":"different"},{"speaker":"Evon","startTime":755.117,"endTime":755.737,"body":"providers"},{"speaker":"Evon","startTime":755.747,"endTime":755.897,"body":"for"},{"speaker":"Evon","startTime":755.897,"endTime":756.057,"body":"a"},{"speaker":"Evon","startTime":756.087,"endTime":756.577,"body":"401k"},{"speaker":"Evon","startTime":756.577,"endTime":756.827,"body":"plan"},{"speaker":"Evon","startTime":756.827,"endTime":757.277,"body":"providers"},{"speaker":"Evon","startTime":757.277,"endTime":757.497,"body":"about"},{"speaker":"Evon","startTime":757.497,"endTime":757.987,"body":"deadlines"},{"speaker":"Evon","startTime":757.987,"endTime":758.187,"body":"towards"},{"speaker":"Evon","startTime":758.187,"endTime":758.287,"body":"the"},{"speaker":"Evon","startTime":758.287,"endTime":758.437,"body":"end"},{"speaker":"Evon","startTime":758.437,"endTime":758.457,"body":"of"},{"speaker":"Evon","startTime":758.457,"endTime":758.547,"body":"the"},{"speaker":"Evon","startTime":758.547,"endTime":758.867,"body":"year."},{"speaker":"Evon","startTime":759.217,"endTime":759.667,"body":"What"},{"speaker":"Evon","startTime":759.667,"endTime":759.887,"body":"should"},{"speaker":"Evon","startTime":759.887,"endTime":759.997,"body":"we"},{"speaker":"Evon","startTime":759.997,"endTime":760.197,"body":"keep"},{"speaker":"Evon","startTime":760.197,"endTime":760.297,"body":"in"},{"speaker":"Evon","startTime":760.297,"endTime":760.697,"body":"mind"},{"speaker":"Evon","startTime":760.707,"endTime":761.027,"body":"if"},{"speaker":"Evon","startTime":761.037,"endTime":761.797,"body":"optometrists"},{"speaker":"Evon","startTime":761.817,"endTime":762.267,"body":"either"},{"speaker":"Evon","startTime":762.572,"endTime":762.892,"body":"well,"},{"speaker":"Evon","startTime":762.902,"endTime":763.282,"body":"if"},{"speaker":"Evon","startTime":763.282,"endTime":763.452,"body":"they're"},{"speaker":"Evon","startTime":763.462,"endTime":763.802,"body":"wanting"},{"speaker":"Evon","startTime":763.802,"endTime":763.982,"body":"to"},{"speaker":"Evon","startTime":763.982,"endTime":764.372,"body":"adopt"},{"speaker":"Evon","startTime":764.372,"endTime":764.412,"body":"a"},{"speaker":"Evon","startTime":764.412,"endTime":764.602,"body":"new"},{"speaker":"Evon","startTime":764.612,"endTime":765.192,"body":"401k"},{"speaker":"Evon","startTime":765.192,"endTime":765.592,"body":"plan"},{"speaker":"Evon","startTime":765.592,"endTime":765.842,"body":"or"},{"speaker":"Evon","startTime":765.852,"endTime":766.512,"body":"change"},{"speaker":"Evon","startTime":766.552,"endTime":766.782,"body":"their"},{"speaker":"Evon","startTime":766.782,"endTime":767.312,"body":"401k"},{"speaker":"Evon","startTime":767.312,"endTime":767.702,"body":"plan"},{"speaker":"Evon","startTime":767.732,"endTime":767.862,"body":"or"},{"speaker":"Evon","startTime":767.862,"endTime":768.132,"body":"move"},{"speaker":"Evon","startTime":768.142,"endTime":768.322,"body":"from"},{"speaker":"Evon","startTime":768.322,"endTime":768.422,"body":"a"},{"speaker":"Evon","startTime":768.462,"endTime":768.882,"body":"SIMPLE"},{"speaker":"Evon","startTime":768.882,"endTime":769.102,"body":"into"},{"speaker":"Evon","startTime":769.102,"endTime":769.172,"body":"a"},{"speaker":"Evon","startTime":769.172,"endTime":769.762,"body":"401k"},{"speaker":"Evon","startTime":769.762,"endTime":770.112,"body":"plan,"},{"speaker":"Evon","startTime":770.392,"endTime":770.692,"body":"what"},{"speaker":"Evon","startTime":770.692,"endTime":770.752,"body":"are"},{"speaker":"Evon","startTime":770.752,"endTime":770.952,"body":"some"},{"speaker":"Evon","startTime":770.952,"endTime":771.212,"body":"things"},{"speaker":"Evon","startTime":771.212,"endTime":771.302,"body":"we"},{"speaker":"Evon","startTime":771.302,"endTime":771.462,"body":"need"},{"speaker":"Evon","startTime":771.462,"endTime":771.532,"body":"to"},{"speaker":"Evon","startTime":771.532,"endTime":771.682,"body":"keep"},{"speaker":"Evon","startTime":771.682,"endTime":771.772,"body":"in"},{"speaker":"Evon","startTime":771.772,"endTime":772.022,"body":"mind"},{"speaker":"Evon","startTime":772.022,"endTime":772.142,"body":"as"},{"speaker":"Evon","startTime":772.142,"endTime":772.252,"body":"we"},{"speaker":"Evon","startTime":772.252,"endTime":772.352,"body":"go"},{"speaker":"Evon","startTime":772.352,"endTime":772.492,"body":"through"},{"speaker":"Evon","startTime":772.492,"endTime":772.612,"body":"the"},{"speaker":"Evon","startTime":772.612,"endTime":772.722,"body":"end"},{"speaker":"Evon","startTime":772.722,"endTime":772.772,"body":"of"},{"speaker":"Evon","startTime":772.772,"endTime":772.822,"body":"the"},{"speaker":"Evon","startTime":772.822,"endTime":773.112,"body":"year?"},{"speaker":"Matt","startTime":773.438,"endTime":773.718,"body":"Yeah,"},{"speaker":"Matt","startTime":773.718,"endTime":774.108,"body":"and"},{"speaker":"Matt","startTime":774.118,"endTime":774.478,"body":"honestly,"},{"speaker":"Matt","startTime":774.488,"endTime":774.748,"body":"maybe"},{"speaker":"Matt","startTime":774.748,"endTime":774.998,"body":"this"},{"speaker":"Matt","startTime":775.008,"endTime":775.348,"body":"first"},{"speaker":"Matt","startTime":775.498,"endTime":775.758,"body":"part"},{"speaker":"Matt","startTime":775.758,"endTime":775.868,"body":"of"},{"speaker":"Matt","startTime":775.868,"endTime":776.078,"body":"it,"},{"speaker":"Matt","startTime":776.128,"endTime":776.498,"body":"should"},{"speaker":"Matt","startTime":776.938,"endTime":777.188,"body":"probably"},{"speaker":"Matt","startTime":777.188,"endTime":777.248,"body":"be,"},{"speaker":"Matt","startTime":777.548,"endTime":777.638,"body":"I"},{"speaker":"Matt","startTime":777.638,"endTime":777.808,"body":"should"},{"speaker":"Matt","startTime":777.818,"endTime":778.528,"body":"recategorize"},{"speaker":"Matt","startTime":778.538,"endTime":778.668,"body":"it"},{"speaker":"Matt","startTime":778.668,"endTime":778.788,"body":"as"},{"speaker":"Matt","startTime":778.788,"endTime":779.068,"body":"other"},{"speaker":"Matt","startTime":779.078,"endTime":779.278,"body":"big"},{"speaker":"Matt","startTime":779.288,"endTime":779.738,"body":"changes"},{"speaker":"Matt","startTime":779.748,"endTime":779.898,"body":"for"},{"speaker":"Matt","startTime":779.898,"endTime":780.038,"body":"the"},{"speaker":"Matt","startTime":780.038,"endTime":780.388,"body":"401k"},{"speaker":"Matt","startTime":780.388,"endTime":780.848,"body":"industry."},{"speaker":"Matt","startTime":781.178,"endTime":781.408,"body":"But,"},{"speaker":"Matt","startTime":781.478,"endTime":781.868,"body":"moving"},{"speaker":"Matt","startTime":781.868,"endTime":782.028,"body":"from"},{"speaker":"Matt","startTime":782.028,"endTime":782.098,"body":"a"},{"speaker":"Matt","startTime":782.098,"endTime":782.438,"body":"SIMPLE"},{"speaker":"Matt","startTime":782.438,"endTime":782.748,"body":"IRA"},{"speaker":"Matt","startTime":782.748,"endTime":782.918,"body":"to"},{"speaker":"Matt","startTime":782.918,"endTime":783.028,"body":"a"},{"speaker":"Matt","startTime":783.028,"endTime":783.878,"body":"401k"},{"speaker":"Matt","startTime":784.158,"endTime":784.488,"body":"is,"},{"speaker":"Matt","startTime":784.958,"endTime":785.218,"body":"there"},{"speaker":"Matt","startTime":785.258,"endTime":785.508,"body":"really"},{"speaker":"Matt","startTime":785.508,"endTime":785.628,"body":"is"},{"speaker":"Matt","startTime":785.628,"endTime":785.838,"body":"no"},{"speaker":"Matt","startTime":785.838,"endTime":786.228,"body":"longer"},{"speaker":"Matt","startTime":786.228,"endTime":786.308,"body":"a"},{"speaker":"Matt","startTime":786.308,"endTime":786.988,"body":"deadline"},{"speaker":"Matt","startTime":787.008,"endTime":787.778,"body":"involved."},{"speaker":"Matt","startTime":788.098,"endTime":788.348,"body":"it"},{"speaker":"Matt","startTime":788.348,"endTime":788.608,"body":"used"},{"speaker":"Matt","startTime":788.628,"endTime":788.768,"body":"to"},{"speaker":"Matt","startTime":788.778,"endTime":789.158,"body":"be"},{"speaker":"Matt","startTime":789.158,"endTime":789.318,"body":"where"},{"speaker":"Matt","startTime":789.318,"endTime":789.448,"body":"you"},{"speaker":"Matt","startTime":789.448,"endTime":789.758,"body":"had"},{"speaker":"Matt","startTime":789.758,"endTime":789.868,"body":"to"},{"speaker":"Matt","startTime":789.868,"endTime":790.418,"body":"switch"},{"speaker":"Matt","startTime":790.788,"endTime":790.958,"body":"on"},{"speaker":"Matt","startTime":790.958,"endTime":791.178,"body":"the"},{"speaker":"Matt","startTime":791.298,"endTime":791.778,"body":"January"},{"speaker":"Matt","startTime":791.788,"endTime":792.128,"body":"1st"},{"speaker":"Matt","startTime":792.138,"endTime":792.368,"body":"from"},{"speaker":"Matt","startTime":792.368,"endTime":792.428,"body":"a"},{"speaker":"Matt","startTime":792.428,"endTime":792.998,"body":"simple"},{"speaker":"Matt","startTime":792.998,"endTime":793.238,"body":"and"},{"speaker":"Matt","startTime":793.348,"endTime":793.558,"body":"quote"},{"speaker":"Matt","startTime":793.558,"endTime":793.838,"body":"unquote,"},{"speaker":"Matt","startTime":793.848,"endTime":794.418,"body":"graduate"},{"speaker":"Matt","startTime":794.418,"endTime":794.548,"body":"up"},{"speaker":"Matt","startTime":794.548,"endTime":794.648,"body":"to"},{"speaker":"Matt","startTime":794.648,"endTime":794.768,"body":"the"},{"speaker":"Matt","startTime":794.768,"endTime":795.218,"body":"401k"},{"speaker":"Matt","startTime":795.218,"endTime":795.648,"body":"level."},{"speaker":"Matt","startTime":795.878,"endTime":796.088,"body":"but"},{"speaker":"Matt","startTime":796.088,"endTime":796.438,"body":"now"},{"speaker":"Matt","startTime":796.438,"endTime":796.608,"body":"we"},{"speaker":"Matt","startTime":796.608,"endTime":796.758,"body":"can"},{"speaker":"Matt","startTime":796.758,"endTime":796.958,"body":"do"},{"speaker":"Matt","startTime":796.958,"endTime":797.218,"body":"mid"},{"speaker":"Matt","startTime":797.228,"endTime":797.618,"body":"year."},{"speaker":"Matt","startTime":797.618,"endTime":797.798,"body":"So"},{"speaker":"Matt","startTime":797.798,"endTime":798.038,"body":"that"},{"speaker":"Matt","startTime":798.038,"endTime":798.468,"body":"deadline"},{"speaker":"Matt","startTime":798.468,"endTime":798.608,"body":"is"},{"speaker":"Matt","startTime":798.608,"endTime":799.048,"body":"actually"},{"speaker":"Matt","startTime":799.078,"endTime":799.238,"body":"no"},{"speaker":"Matt","startTime":799.238,"endTime":799.598,"body":"longer"},{"speaker":"Matt","startTime":799.598,"endTime":800.048,"body":"around."},{"speaker":"Matt","startTime":800.228,"endTime":800.348,"body":"They"},{"speaker":"Matt","startTime":800.348,"endTime":800.528,"body":"just"},{"speaker":"Matt","startTime":800.538,"endTime":801.008,"body":"prorate"},{"speaker":"Matt","startTime":801.008,"endTime":801.438,"body":"the"},{"speaker":"Matt","startTime":801.448,"endTime":801.788,"body":"different"},{"speaker":"Matt","startTime":801.788,"endTime":802.648,"body":"contributions"},{"speaker":"Matt","startTime":802.648,"endTime":802.778,"body":"and"},{"speaker":"Matt","startTime":802.778,"endTime":802.998,"body":"things"},{"speaker":"Matt","startTime":802.998,"endTime":803.128,"body":"like"},{"speaker":"Matt","startTime":803.128,"endTime":803.378,"body":"that."},{"speaker":"Matt","startTime":803.378,"endTime":803.678,"body":"So"},{"speaker":"Matt","startTime":804.088,"endTime":804.348,"body":"that"},{"speaker":"Matt","startTime":804.348,"endTime":804.588,"body":"has"},{"speaker":"Matt","startTime":804.588,"endTime":805.038,"body":"been"},{"speaker":"Matt","startTime":805.348,"endTime":806.288,"body":"wonderful"},{"speaker":"Matt","startTime":806.518,"endTime":806.888,"body":"because"},{"speaker":"Matt","startTime":806.888,"endTime":806.948,"body":"I"},{"speaker":"Matt","startTime":806.948,"endTime":807.118,"body":"don't"},{"speaker":"Matt","startTime":807.128,"endTime":807.318,"body":"think,"},{"speaker":"Matt","startTime":807.328,"endTime":807.418,"body":"I"},{"speaker":"Matt","startTime":807.418,"endTime":807.588,"body":"don't"},{"speaker":"Matt","startTime":807.588,"endTime":807.778,"body":"think"},{"speaker":"Matt","startTime":807.778,"endTime":808.068,"body":"the"},{"speaker":"Matt","startTime":808.108,"endTime":808.438,"body":"there's"},{"speaker":"Matt","startTime":808.438,"endTime":808.768,"body":"anything"},{"speaker":"Matt","startTime":808.778,"endTime":809.148,"body":"worse."},{"speaker":"Matt","startTime":809.528,"endTime":809.808,"body":"bigger"},{"speaker":"Matt","startTime":809.808,"endTime":809.908,"body":"of"},{"speaker":"Matt","startTime":809.908,"endTime":809.968,"body":"a"},{"speaker":"Matt","startTime":809.968,"endTime":810.428,"body":"headache"},{"speaker":"Matt","startTime":810.448,"endTime":810.668,"body":"than"},{"speaker":"Matt","startTime":810.668,"endTime":811.018,"body":"trying"},{"speaker":"Matt","startTime":811.018,"endTime":811.218,"body":"to"},{"speaker":"Matt","startTime":811.218,"endTime":811.668,"body":"time"},{"speaker":"Matt","startTime":811.668,"endTime":811.898,"body":"that"},{"speaker":"Matt","startTime":811.898,"endTime":812.378,"body":"properly"},{"speaker":"Matt","startTime":812.378,"endTime":812.498,"body":"and"},{"speaker":"Matt","startTime":812.498,"endTime":812.618,"body":"get"},{"speaker":"Matt","startTime":812.618,"endTime":813.068,"body":"everyone"},{"speaker":"Matt","startTime":813.088,"endTime":813.328,"body":"on"},{"speaker":"Matt","startTime":813.328,"endTime":813.458,"body":"the"},{"speaker":"Matt","startTime":813.468,"endTime":813.758,"body":"same"},{"speaker":"Matt","startTime":813.758,"endTime":814.338,"body":"page"},{"speaker":"Matt","startTime":814.558,"endTime":814.778,"body":"at"},{"speaker":"Matt","startTime":814.778,"endTime":814.898,"body":"the"},{"speaker":"Matt","startTime":814.898,"endTime":815.178,"body":"same"},{"speaker":"Matt","startTime":815.198,"endTime":815.678,"body":"time"},{"speaker":"Matt","startTime":815.838,"endTime":816.028,"body":"and"},{"speaker":"Matt","startTime":816.028,"endTime":816.348,"body":"switch"},{"speaker":"Matt","startTime":816.348,"endTime":816.728,"body":"everyone"},{"speaker":"Matt","startTime":816.728,"endTime":817.008,"body":"over"},{"speaker":"Matt","startTime":817.008,"endTime":817.128,"body":"at"},{"speaker":"Matt","startTime":817.128,"endTime":817.238,"body":"the"},{"speaker":"Matt","startTime":817.238,"endTime":817.458,"body":"same"},{"speaker":"Matt","startTime":817.458,"endTime":817.708,"body":"time."},{"speaker":"Matt","startTime":817.708,"endTime":817.848,"body":"So"},{"speaker":"Matt","startTime":817.848,"endTime":818.018,"body":"that"},{"speaker":"Matt","startTime":818.018,"endTime":818.248,"body":"is"},{"speaker":"Matt","startTime":818.498,"endTime":818.728,"body":"no"},{"speaker":"Matt","startTime":818.728,"endTime":819.108,"body":"longer"},{"speaker":"Matt","startTime":819.108,"endTime":819.178,"body":"a"},{"speaker":"Matt","startTime":819.178,"endTime":819.758,"body":"problem,"},{"speaker":"Matt","startTime":819.758,"endTime":819.918,"body":"no"},{"speaker":"Matt","startTime":819.918,"endTime":820.378,"body":"longer"},{"speaker":"Matt","startTime":820.618,"endTime":820.748,"body":"a"},{"speaker":"Matt","startTime":820.748,"endTime":821.468,"body":"deadline,"},{"speaker":"Matt","startTime":821.528,"endTime":821.618,"body":"that"},{"speaker":"Matt","startTime":821.618,"endTime":821.708,"body":"we"},{"speaker":"Matt","startTime":821.708,"endTime":821.808,"body":"have"},{"speaker":"Matt","startTime":821.808,"endTime":821.888,"body":"to"},{"speaker":"Matt","startTime":821.888,"endTime":822.098,"body":"worry"},{"speaker":"Matt","startTime":822.098,"endTime":822.418,"body":"about,"},{"speaker":"Matt","startTime":822.468,"endTime":822.918,"body":"but"},{"speaker":"Matt","startTime":823.708,"endTime":823.938,"body":"let's"},{"speaker":"Matt","startTime":823.938,"endTime":824.198,"body":"talk"},{"speaker":"Matt","startTime":824.208,"endTime":824.728,"body":"about"},{"speaker":"Matt","startTime":824.748,"endTime":824.938,"body":"the"},{"speaker":"Matt","startTime":824.938,"endTime":825.168,"body":"safe"},{"speaker":"Matt","startTime":825.168,"endTime":825.418,"body":"Harbor"},{"speaker":"Matt","startTime":825.418,"endTime":825.958,"body":"deadline."},{"speaker":"Matt","startTime":826.968,"endTime":827.068,"body":"the"},{"speaker":"Matt","startTime":827.068,"endTime":827.248,"body":"safe"},{"speaker":"Matt","startTime":827.278,"endTime":827.548,"body":"Harbor"},{"speaker":"Matt","startTime":827.548,"endTime":828.088,"body":"deadline"},{"speaker":"Matt","startTime":828.408,"endTime":828.898,"body":"is,"},{"speaker":"Matt","startTime":828.898,"endTime":829.098,"body":"and"},{"speaker":"Matt","startTime":829.108,"endTime":829.428,"body":"always"},{"speaker":"Matt","startTime":829.438,"endTime":829.768,"body":"has"},{"speaker":"Matt","startTime":829.768,"endTime":830.158,"body":"been"},{"speaker":"Matt","startTime":830.178,"endTime":830.438,"body":"the,"},{"speaker":"Matt","startTime":830.468,"endTime":830.798,"body":"is"},{"speaker":"Matt","startTime":830.818,"endTime":831.308,"body":"October"},{"speaker":"Matt","startTime":831.318,"endTime":831.678,"body":"1st."},{"speaker":"Matt","startTime":831.698,"endTime":831.838,"body":"So"},{"speaker":"Matt","startTime":831.838,"endTime":832.208,"body":"your"},{"speaker":"Matt","startTime":832.268,"endTime":832.558,"body":"safe"},{"speaker":"Matt","startTime":832.568,"endTime":832.958,"body":"Harbor"},{"speaker":"Matt","startTime":832.958,"endTime":833.408,"body":"401k,"},{"speaker":"Matt","startTime":833.408,"endTime":833.618,"body":"if"},{"speaker":"Matt","startTime":833.618,"endTime":833.708,"body":"you"},{"speaker":"Matt","startTime":833.708,"endTime":833.828,"body":"want"},{"speaker":"Matt","startTime":833.828,"endTime":833.878,"body":"to"},{"speaker":"Matt","startTime":833.888,"endTime":834.178,"body":"start"},{"speaker":"Matt","startTime":834.178,"endTime":834.248,"body":"a"},{"speaker":"Matt","startTime":834.248,"endTime":834.428,"body":"new"},{"speaker":"Matt","startTime":834.428,"endTime":834.738,"body":"one"},{"speaker":"Matt","startTime":835.518,"endTime":835.838,"body":"has"},{"speaker":"Matt","startTime":835.838,"endTime":835.908,"body":"to"},{"speaker":"Matt","startTime":835.918,"endTime":836.038,"body":"be"},{"speaker":"Matt","startTime":836.038,"endTime":836.268,"body":"done"},{"speaker":"Matt","startTime":836.268,"endTime":836.648,"body":"prior"},{"speaker":"Matt","startTime":836.648,"endTime":836.898,"body":"to"},{"speaker":"Matt","startTime":836.928,"endTime":837.448,"body":"October"},{"speaker":"Matt","startTime":837.458,"endTime":837.878,"body":"1st."},{"speaker":"Matt","startTime":838.443,"endTime":838.743,"body":"For"},{"speaker":"Matt","startTime":838.743,"endTime":838.893,"body":"the"},{"speaker":"Matt","startTime":838.898,"endTime":839.253,"body":"current"},{"speaker":"Matt","startTime":839.253,"endTime":839.463,"body":"year."},{"speaker":"Matt","startTime":839.463,"endTime":839.823,"body":"So"},{"speaker":"Matt","startTime":840.693,"endTime":840.873,"body":"it's"},{"speaker":"Matt","startTime":840.873,"endTime":841.683,"body":"2024."},{"speaker":"Matt","startTime":841.713,"endTime":841.893,"body":"If"},{"speaker":"Matt","startTime":841.893,"endTime":842.043,"body":"you"},{"speaker":"Matt","startTime":842.043,"endTime":842.403,"body":"want"},{"speaker":"Matt","startTime":842.403,"endTime":843.643,"body":"2024"},{"speaker":"Matt","startTime":843.663,"endTime":844.683,"body":"deductions,"},{"speaker":"Matt","startTime":845.943,"endTime":846.333,"body":"then"},{"speaker":"Matt","startTime":846.333,"endTime":846.513,"body":"you"},{"speaker":"Matt","startTime":846.513,"endTime":846.783,"body":"will"},{"speaker":"Matt","startTime":846.783,"endTime":847.143,"body":"for,"},{"speaker":"Matt","startTime":847.173,"endTime":847.383,"body":"for"},{"speaker":"Matt","startTime":847.383,"endTime":847.473,"body":"the"},{"speaker":"Matt","startTime":847.473,"endTime":848.013,"body":"employee."},{"speaker":"Matt","startTime":848.073,"endTime":848.193,"body":"So"},{"speaker":"Matt","startTime":848.193,"endTime":848.373,"body":"that"},{"speaker":"Matt","startTime":848.373,"endTime":849.933,"body":"$23,000"},{"speaker":"Matt","startTime":850.023,"endTime":850.173,"body":"that"},{"speaker":"Matt","startTime":850.173,"endTime":850.263,"body":"we"},{"speaker":"Matt","startTime":850.263,"endTime":850.383,"body":"all"},{"speaker":"Matt","startTime":850.383,"endTime":850.563,"body":"know"},{"speaker":"Matt","startTime":850.563,"endTime":850.653,"body":"and"},{"speaker":"Matt","startTime":850.658,"endTime":850.953,"body":"love,"},{"speaker":"Matt","startTime":851.273,"endTime":851.723,"body":"that"},{"speaker":"Matt","startTime":851.753,"endTime":852.143,"body":"has"},{"speaker":"Matt","startTime":852.143,"endTime":852.233,"body":"to"},{"speaker":"Matt","startTime":852.238,"endTime":852.323,"body":"be"},{"speaker":"Matt","startTime":852.323,"endTime":852.563,"body":"done"},{"speaker":"Matt","startTime":852.568,"endTime":852.713,"body":"by"},{"speaker":"Matt","startTime":852.713,"endTime":853.298,"body":"October"},{"speaker":"Matt","startTime":853.298,"endTime":853.883,"body":"1st."},{"speaker":"Matt","startTime":854.653,"endTime":854.863,"body":"It"},{"speaker":"Matt","startTime":854.863,"endTime":855.403,"body":"takes"},{"speaker":"Matt","startTime":855.433,"endTime":856.153,"body":"approximately"},{"speaker":"Matt","startTime":856.158,"endTime":857.053,"body":"45"},{"speaker":"Matt","startTime":857.053,"endTime":857.173,"body":"to"},{"speaker":"Matt","startTime":857.178,"endTime":857.593,"body":"60"},{"speaker":"Matt","startTime":857.593,"endTime":858.043,"body":"days"},{"speaker":"Matt","startTime":858.043,"endTime":858.403,"body":"depending"},{"speaker":"Matt","startTime":858.403,"endTime":858.673,"body":"on"},{"speaker":"Matt","startTime":859.643,"endTime":859.853,"body":"who"},{"speaker":"Matt","startTime":859.853,"endTime":859.973,"body":"the"},{"speaker":"Matt","startTime":859.973,"endTime":860.303,"body":"record"},{"speaker":"Matt","startTime":860.303,"endTime":860.663,"body":"keeper"},{"speaker":"Matt","startTime":860.663,"endTime":860.873,"body":"is"},{"speaker":"Matt","startTime":860.873,"endTime":860.963,"body":"and"},{"speaker":"Matt","startTime":860.963,"endTime":861.053,"body":"who"},{"speaker":"Matt","startTime":861.053,"endTime":861.143,"body":"the"},{"speaker":"Matt","startTime":861.143,"endTime":861.683,"body":"custodian"},{"speaker":"Matt","startTime":861.683,"endTime":861.923,"body":"is"},{"speaker":"Matt","startTime":861.923,"endTime":862.013,"body":"and"},{"speaker":"Matt","startTime":862.013,"endTime":862.073,"body":"the"},{"speaker":"Matt","startTime":862.073,"endTime":862.223,"body":"PR"},{"speaker":"Matt","startTime":862.258,"endTime":862.458,"body":"and,"},{"speaker":"Matt","startTime":862.553,"endTime":862.673,"body":"and"},{"speaker":"Matt","startTime":862.673,"endTime":862.823,"body":"how"},{"speaker":"Matt","startTime":862.823,"endTime":863.063,"body":"much"},{"speaker":"Matt","startTime":863.063,"endTime":863.183,"body":"of"},{"speaker":"Matt","startTime":863.183,"endTime":863.243,"body":"a"},{"speaker":"Matt","startTime":863.243,"endTime":863.603,"body":"job"},{"speaker":"Matt","startTime":863.603,"endTime":863.663,"body":"do"},{"speaker":"Matt","startTime":863.663,"endTime":863.783,"body":"you"},{"speaker":"Matt","startTime":863.783,"endTime":863.903,"body":"want"},{"speaker":"Matt","startTime":863.903,"endTime":863.963,"body":"to"},{"speaker":"Matt","startTime":863.963,"endTime":864.143,"body":"get"},{"speaker":"Matt","startTime":864.143,"endTime":864.353,"body":"into"},{"speaker":"Matt","startTime":864.353,"endTime":864.593,"body":"this"},{"speaker":"Matt","startTime":864.593,"endTime":864.713,"body":"and"},{"speaker":"Matt","startTime":864.713,"endTime":864.863,"body":"how"},{"speaker":"Matt","startTime":864.863,"endTime":865.043,"body":"much"},{"speaker":"Matt","startTime":865.043,"endTime":865.283,"body":"time"},{"speaker":"Matt","startTime":865.283,"endTime":865.373,"body":"you"},{"speaker":"Matt","startTime":865.378,"endTime":865.418,"body":"really"},{"speaker":"Matt","startTime":865.418,"endTime":865.498,"body":"wanna"},{"speaker":"Matt","startTime":866.103,"endTime":866.613,"body":"dedicate"},{"speaker":"Matt","startTime":866.633,"endTime":866.783,"body":"to,"},{"speaker":"Matt","startTime":866.793,"endTime":867.073,"body":"getting"},{"speaker":"Matt","startTime":867.073,"endTime":867.143,"body":"an"},{"speaker":"Matt","startTime":867.153,"endTime":867.303,"body":"up"},{"speaker":"Matt","startTime":867.303,"endTime":867.403,"body":"and"},{"speaker":"Matt","startTime":867.403,"endTime":867.753,"body":"running,"},{"speaker":"Matt","startTime":868.173,"endTime":868.393,"body":"but"},{"speaker":"Matt","startTime":868.393,"endTime":868.603,"body":"that's"},{"speaker":"Matt","startTime":869.023,"endTime":869.433,"body":"around"},{"speaker":"Matt","startTime":869.433,"endTime":869.653,"body":"how"},{"speaker":"Matt","startTime":869.653,"endTime":869.913,"body":"long"},{"speaker":"Matt","startTime":869.913,"endTime":870.013,"body":"it"},{"speaker":"Matt","startTime":870.013,"endTime":870.283,"body":"takes"},{"speaker":"Matt","startTime":870.283,"endTime":870.383,"body":"to"},{"speaker":"Matt","startTime":870.383,"endTime":870.523,"body":"get"},{"speaker":"Matt","startTime":870.733,"endTime":871.003,"body":"a"},{"speaker":"Matt","startTime":871.013,"endTime":871.533,"body":"brand"},{"speaker":"Matt","startTime":871.533,"endTime":871.753,"body":"new"},{"speaker":"Matt","startTime":871.763,"endTime":872.113,"body":"plan"},{"speaker":"Matt","startTime":872.123,"endTime":872.263,"body":"up"},{"speaker":"Matt","startTime":872.263,"endTime":872.393,"body":"and"},{"speaker":"Matt","startTime":872.393,"endTime":872.653,"body":"running"},{"speaker":"Matt","startTime":872.653,"endTime":872.813,"body":"from"},{"speaker":"Matt","startTime":872.813,"endTime":873.473,"body":"scratch."},{"speaker":"Matt","startTime":873.943,"endTime":874.213,"body":"There"},{"speaker":"Matt","startTime":874.223,"endTime":874.463,"body":"is"},{"speaker":"Matt","startTime":874.463,"endTime":874.633,"body":"a"},{"speaker":"Matt","startTime":874.673,"endTime":875.033,"body":"30"},{"speaker":"Matt","startTime":875.053,"endTime":875.253,"body":"day"},{"speaker":"Matt","startTime":875.253,"endTime":875.643,"body":"notice"},{"speaker":"Matt","startTime":875.643,"endTime":875.753,"body":"that"},{"speaker":"Matt","startTime":875.753,"endTime":875.833,"body":"you"},{"speaker":"Matt","startTime":875.833,"endTime":875.983,"body":"have"},{"speaker":"Matt","startTime":875.993,"endTime":876.093,"body":"to"},{"speaker":"Matt","startTime":876.093,"endTime":876.253,"body":"give"},{"speaker":"Matt","startTime":876.253,"endTime":876.283,"body":"to"},{"speaker":"Matt","startTime":876.283,"endTime":876.353,"body":"your"},{"speaker":"Matt","startTime":876.353,"endTime":876.853,"body":"employees."},{"speaker":"Matt","startTime":876.863,"endTime":876.953,"body":"So"},{"speaker":"Matt","startTime":876.953,"endTime":877.123,"body":"that"},{"speaker":"Matt","startTime":877.123,"endTime":877.483,"body":"pushes"},{"speaker":"Matt","startTime":877.483,"endTime":877.643,"body":"you"},{"speaker":"Matt","startTime":877.643,"endTime":877.833,"body":"to"},{"speaker":"Matt","startTime":877.833,"endTime":878.593,"body":"September"},{"speaker":"Matt","startTime":878.933,"endTime":879.393,"body":"1st"},{"speaker":"Matt","startTime":879.773,"endTime":879.893,"body":"to"},{"speaker":"Matt","startTime":879.893,"endTime":880.003,"body":"be"},{"speaker":"Matt","startTime":880.003,"endTime":880.093,"body":"able"},{"speaker":"Matt","startTime":880.093,"endTime":880.193,"body":"to"},{"speaker":"Matt","startTime":880.193,"endTime":880.353,"body":"get"},{"speaker":"Matt","startTime":880.353,"endTime":880.523,"body":"that"},{"speaker":"Matt","startTime":880.523,"endTime":880.853,"body":"notice"},{"speaker":"Matt","startTime":880.883,"endTime":881.133,"body":"out"},{"speaker":"Matt","startTime":881.133,"endTime":881.203,"body":"to"},{"speaker":"Matt","startTime":881.203,"endTime":881.243,"body":"your"},{"speaker":"Matt","startTime":881.243,"endTime":881.753,"body":"employees."},{"speaker":"Matt","startTime":881.753,"endTime":881.883,"body":"And"},{"speaker":"Matt","startTime":881.883,"endTime":882.103,"body":"then"},{"speaker":"Matt","startTime":882.113,"endTime":882.403,"body":"there's"},{"speaker":"Matt","startTime":882.403,"endTime":882.693,"body":"some"},{"speaker":"Matt","startTime":882.723,"endTime":883.113,"body":"obviously"},{"speaker":"Matt","startTime":883.113,"endTime":883.483,"body":"paperwork"},{"speaker":"Matt","startTime":883.493,"endTime":884.053,"body":"compliance"},{"speaker":"Matt","startTime":884.053,"endTime":884.323,"body":"and"},{"speaker":"Matt","startTime":884.593,"endTime":884.843,"body":"plan"},{"speaker":"Matt","startTime":884.843,"endTime":885.163,"body":"design"},{"speaker":"Matt","startTime":885.163,"endTime":885.803,"body":"conversations"},{"speaker":"Matt","startTime":885.803,"endTime":885.863,"body":"that"},{"speaker":"Matt","startTime":885.873,"endTime":886.063,"body":"have"},{"speaker":"Matt","startTime":886.063,"endTime":886.153,"body":"to"},{"speaker":"Matt","startTime":886.153,"endTime":886.463,"body":"happen"},{"speaker":"Matt","startTime":886.513,"endTime":886.723,"body":"prior"},{"speaker":"Matt","startTime":886.723,"endTime":887.233,"body":"to"},{"speaker":"Matt","startTime":887.233,"endTime":887.483,"body":"that."},{"speaker":"Matt","startTime":887.683,"endTime":888.063,"body":"So"},{"speaker":"Matt","startTime":888.293,"endTime":888.523,"body":"I'm"},{"speaker":"Matt","startTime":888.523,"endTime":888.803,"body":"urging"},{"speaker":"Matt","startTime":888.803,"endTime":889.183,"body":"people"},{"speaker":"Matt","startTime":889.183,"endTime":889.653,"body":"August"},{"speaker":"Matt","startTime":889.653,"endTime":889.983,"body":"1st"},{"speaker":"Matt","startTime":889.993,"endTime":890.163,"body":"is"},{"speaker":"Matt","startTime":890.163,"endTime":890.453,"body":"really"},{"speaker":"Matt","startTime":890.453,"endTime":890.573,"body":"a,"},{"speaker":"Matt","startTime":890.603,"endTime":890.733,"body":"a"},{"speaker":"Matt","startTime":890.733,"endTime":891.003,"body":"really"},{"speaker":"Matt","startTime":891.003,"endTime":891.453,"body":"important"},{"speaker":"Matt","startTime":891.453,"endTime":891.793,"body":"date,"},{"speaker":"Matt","startTime":891.853,"endTime":892.143,"body":"to"},{"speaker":"Matt","startTime":892.313,"endTime":892.563,"body":"take,"},{"speaker":"Matt","startTime":892.573,"endTime":892.833,"body":"start"},{"speaker":"Matt","startTime":892.833,"endTime":893.093,"body":"taking"},{"speaker":"Matt","startTime":893.093,"endTime":893.203,"body":"it"},{"speaker":"Matt","startTime":893.203,"endTime":893.773,"body":"seriously."},{"speaker":"Matt","startTime":895.938,"endTime":896.638,"body":"beyond"},{"speaker":"Matt","startTime":896.648,"endTime":897.038,"body":"that"},{"speaker":"Matt","startTime":897.038,"endTime":897.248,"body":"part"},{"speaker":"Matt","startTime":897.248,"endTime":897.358,"body":"of"},{"speaker":"Matt","startTime":897.358,"endTime":897.538,"body":"it"},{"speaker":"Matt","startTime":897.538,"endTime":898.148,"body":"for"},{"speaker":"Matt","startTime":898.238,"endTime":898.408,"body":"the"},{"speaker":"Matt","startTime":898.408,"endTime":898.678,"body":"safe"},{"speaker":"Matt","startTime":898.678,"endTime":898.978,"body":"harbor."},{"speaker":"Matt","startTime":898.978,"endTime":899.168,"body":"So"},{"speaker":"Matt","startTime":899.168,"endTime":899.358,"body":"there"},{"speaker":"Matt","startTime":899.368,"endTime":899.958,"body":"actually"},{"speaker":"Matt","startTime":899.998,"endTime":900.408,"body":"is"},{"speaker":"Matt","startTime":901.708,"endTime":901.868,"body":"a"},{"speaker":"Matt","startTime":901.868,"endTime":902.268,"body":"type"},{"speaker":"Matt","startTime":902.268,"endTime":902.408,"body":"of"},{"speaker":"Matt","startTime":902.508,"endTime":902.768,"body":"safe"},{"speaker":"Matt","startTime":902.768,"endTime":903.318,"body":"harbor"},{"speaker":"Matt","startTime":903.508,"endTime":903.748,"body":"that"},{"speaker":"Matt","startTime":903.748,"endTime":903.948,"body":"you"},{"speaker":"Matt","startTime":903.948,"endTime":904.448,"body":"can"},{"speaker":"Matt","startTime":904.458,"endTime":904.698,"body":"be"},{"speaker":"Matt","startTime":904.698,"endTime":905.098,"body":"late"},{"speaker":"Matt","startTime":905.218,"endTime":905.528,"body":"on,"},{"speaker":"Matt","startTime":905.648,"endTime":905.838,"body":"if"},{"speaker":"Matt","startTime":905.838,"endTime":905.938,"body":"you"},{"speaker":"Matt","startTime":905.938,"endTime":906.258,"body":"will."},{"speaker":"Matt","startTime":906.578,"endTime":906.788,"body":"You"},{"speaker":"Matt","startTime":906.788,"endTime":906.968,"body":"can"},{"speaker":"Matt","startTime":906.978,"endTime":907.278,"body":"miss"},{"speaker":"Matt","startTime":907.278,"endTime":907.498,"body":"that"},{"speaker":"Matt","startTime":907.528,"endTime":908.118,"body":"October"},{"speaker":"Matt","startTime":908.128,"endTime":908.458,"body":"1st"},{"speaker":"Matt","startTime":908.478,"endTime":909.028,"body":"deadline."},{"speaker":"Matt","startTime":909.298,"endTime":909.468,"body":"and"},{"speaker":"Matt","startTime":909.468,"endTime":909.608,"body":"this"},{"speaker":"Matt","startTime":909.868,"endTime":910.088,"body":"is"},{"speaker":"Matt","startTime":910.098,"endTime":910.378,"body":"one"},{"speaker":"Matt","startTime":910.378,"endTime":910.548,"body":"of"},{"speaker":"Matt","startTime":910.558,"endTime":910.728,"body":"the"},{"speaker":"Matt","startTime":910.728,"endTime":911.188,"body":"options"},{"speaker":"Matt","startTime":911.188,"endTime":911.338,"body":"of"},{"speaker":"Matt","startTime":911.338,"endTime":911.418,"body":"the"},{"speaker":"Matt","startTime":911.418,"endTime":911.688,"body":"safe"},{"speaker":"Matt","startTime":911.688,"endTime":911.998,"body":"harbor."},{"speaker":"Matt","startTime":911.998,"endTime":912.148,"body":"It's"},{"speaker":"Matt","startTime":912.148,"endTime":912.348,"body":"called"},{"speaker":"Matt","startTime":912.348,"endTime":912.388,"body":"a"},{"speaker":"Matt","startTime":912.388,"endTime":912.708,"body":"non"},{"speaker":"Matt","startTime":912.708,"endTime":913.268,"body":"elective"},{"speaker":"Matt","startTime":913.268,"endTime":913.558,"body":"safe"},{"speaker":"Matt","startTime":913.558,"endTime":913.908,"body":"harbor."},{"speaker":"Matt","startTime":914.358,"endTime":914.598,"body":"Non"},{"speaker":"Matt","startTime":914.598,"endTime":914.978,"body":"elective"},{"speaker":"Matt","startTime":914.978,"endTime":915.238,"body":"safe"},{"speaker":"Matt","startTime":915.238,"endTime":915.538,"body":"harbor"},{"speaker":"Matt","startTime":915.538,"endTime":915.778,"body":"means"},{"speaker":"Matt","startTime":915.778,"endTime":915.868,"body":"you're"},{"speaker":"Matt","startTime":915.868,"endTime":915.978,"body":"going"},{"speaker":"Matt","startTime":915.978,"endTime":916.048,"body":"to"},{"speaker":"Matt","startTime":916.058,"endTime":916.568,"body":"give"},{"speaker":"Matt","startTime":916.808,"endTime":917.168,"body":"a"},{"speaker":"Matt","startTime":917.228,"endTime":917.538,"body":"3"},{"speaker":"Matt","startTime":917.538,"endTime":917.988,"body":"percent"},{"speaker":"Matt","startTime":917.988,"endTime":918.988,"body":"contribution"},{"speaker":"Matt","startTime":919.308,"endTime":919.618,"body":"to"},{"speaker":"Matt","startTime":919.748,"endTime":920.308,"body":"everybody"},{"speaker":"Matt","startTime":920.308,"endTime":920.508,"body":"who's"},{"speaker":"Matt","startTime":920.538,"endTime":921.058,"body":"eligible."},{"speaker":"Matt","startTime":921.478,"endTime":921.678,"body":"Now,"},{"speaker":"Matt","startTime":921.678,"endTime":921.898,"body":"there's"},{"speaker":"Matt","startTime":921.898,"endTime":922.288,"body":"some"},{"speaker":"Matt","startTime":922.378,"endTime":922.798,"body":"certain"},{"speaker":"Matt","startTime":922.798,"endTime":923.438,"body":"designs"},{"speaker":"Matt","startTime":923.448,"endTime":923.658,"body":"that,"},{"speaker":"Matt","startTime":923.668,"endTime":923.998,"body":"why"},{"speaker":"Matt","startTime":923.998,"endTime":924.188,"body":"we"},{"speaker":"Matt","startTime":924.188,"endTime":924.338,"body":"want"},{"speaker":"Matt","startTime":924.338,"endTime":924.388,"body":"to"},{"speaker":"Matt","startTime":924.388,"endTime":924.668,"body":"use"},{"speaker":"Matt","startTime":924.668,"endTime":924.988,"body":"that"},{"speaker":"Matt","startTime":924.988,"endTime":925.338,"body":"for"},{"speaker":"Matt","startTime":925.588,"endTime":925.778,"body":"some"},{"speaker":"Matt","startTime":925.778,"endTime":926.058,"body":"higher"},{"speaker":"Matt","startTime":926.058,"endTime":926.338,"body":"level"},{"speaker":"Matt","startTime":926.348,"endTime":927.218,"body":"contributions"},{"speaker":"Matt","startTime":927.218,"endTime":927.388,"body":"with"},{"speaker":"Matt","startTime":927.428,"endTime":927.828,"body":"profit"},{"speaker":"Matt","startTime":927.828,"endTime":928.298,"body":"sharing."},{"speaker":"Matt","startTime":928.558,"endTime":928.738,"body":"If"},{"speaker":"Matt","startTime":928.738,"endTime":928.848,"body":"you"},{"speaker":"Matt","startTime":928.848,"endTime":929.108,"body":"use"},{"speaker":"Matt","startTime":929.108,"endTime":929.318,"body":"this"},{"speaker":"Matt","startTime":929.338,"endTime":929.618,"body":"kind"},{"speaker":"Matt","startTime":929.618,"endTime":929.778,"body":"of"},{"speaker":"Matt","startTime":930.008,"endTime":930.288,"body":"safe"},{"speaker":"Matt","startTime":930.288,"endTime":930.798,"body":"harbor,"},{"speaker":"Matt","startTime":931.018,"endTime":931.268,"body":"that's"},{"speaker":"Matt","startTime":931.288,"endTime":931.688,"body":"less"},{"speaker":"Matt","startTime":931.708,"endTime":931.858,"body":"that"},{"speaker":"Matt","startTime":931.858,"endTime":931.978,"body":"you"},{"speaker":"Matt","startTime":931.988,"endTime":932.218,"body":"have"},{"speaker":"Matt","startTime":932.218,"endTime":932.308,"body":"to"},{"speaker":"Matt","startTime":932.318,"endTime":932.538,"body":"give"},{"speaker":"Matt","startTime":932.538,"endTime":932.608,"body":"to"},{"speaker":"Matt","startTime":932.608,"endTime":932.658,"body":"your"},{"speaker":"Matt","startTime":932.658,"endTime":933.088,"body":"employees"},{"speaker":"Matt","startTime":933.088,"endTime":933.268,"body":"for"},{"speaker":"Matt","startTime":933.278,"endTime":933.738,"body":"profit"},{"speaker":"Matt","startTime":933.738,"endTime":934.078,"body":"sharing."},{"speaker":"Matt","startTime":935.088,"endTime":935.308,"body":"There's"},{"speaker":"Matt","startTime":935.308,"endTime":935.518,"body":"a,"},{"speaker":"Matt","startTime":935.548,"endTime":935.748,"body":"there's"},{"speaker":"Matt","startTime":935.748,"endTime":935.918,"body":"a"},{"speaker":"Matt","startTime":935.988,"endTime":936.268,"body":"whole"},{"speaker":"Matt","startTime":936.268,"endTime":936.518,"body":"nother"},{"speaker":"Matt","startTime":936.518,"endTime":937.088,"body":"conversation"},{"speaker":"Matt","startTime":937.088,"endTime":937.278,"body":"about"},{"speaker":"Matt","startTime":937.278,"endTime":937.478,"body":"that,"},{"speaker":"Matt","startTime":937.478,"endTime":937.568,"body":"that"},{"speaker":"Matt","startTime":937.568,"endTime":937.648,"body":"we"},{"speaker":"Matt","startTime":937.648,"endTime":937.758,"body":"can"},{"speaker":"Matt","startTime":937.758,"endTime":938.048,"body":"have."},{"speaker":"Matt","startTime":938.058,"endTime":938.408,"body":"But,"},{"speaker":"Matt","startTime":938.778,"endTime":939.408,"body":"basically"},{"speaker":"Matt","startTime":939.408,"endTime":939.498,"body":"if"},{"speaker":"Matt","startTime":939.498,"endTime":939.598,"body":"you"},{"speaker":"Matt","startTime":939.598,"endTime":939.818,"body":"miss"},{"speaker":"Matt","startTime":939.818,"endTime":940.198,"body":"October"},{"speaker":"Matt","startTime":940.208,"endTime":940.648,"body":"1st,"},{"speaker":"Matt","startTime":940.678,"endTime":940.868,"body":"you're"},{"speaker":"Matt","startTime":940.868,"endTime":940.958,"body":"going"},{"speaker":"Matt","startTime":940.958,"endTime":941.018,"body":"to"},{"speaker":"Matt","startTime":941.018,"endTime":941.418,"body":"bump"},{"speaker":"Matt","startTime":941.418,"endTime":941.658,"body":"that"},{"speaker":"Matt","startTime":941.658,"endTime":941.888,"body":"non"},{"speaker":"Matt","startTime":941.888,"endTime":942.238,"body":"elective"},{"speaker":"Matt","startTime":942.238,"endTime":942.538,"body":"3"},{"speaker":"Matt","startTime":942.538,"endTime":943.038,"body":"percent"},{"speaker":"Matt","startTime":943.598,"endTime":943.798,"body":"up"},{"speaker":"Matt","startTime":943.798,"endTime":943.948,"body":"to"},{"speaker":"Matt","startTime":943.948,"endTime":944.478,"body":"4."},{"speaker":"Matt","startTime":945.178,"endTime":945.348,"body":"So"},{"speaker":"Matt","startTime":945.358,"endTime":945.558,"body":"now"},{"speaker":"Matt","startTime":945.558,"endTime":945.668,"body":"you"},{"speaker":"Matt","startTime":945.668,"endTime":945.798,"body":"have"},{"speaker":"Matt","startTime":945.818,"endTime":945.848,"body":"to"},{"speaker":"Matt","startTime":945.848,"endTime":945.988,"body":"give"},{"speaker":"Matt","startTime":945.988,"endTime":946.348,"body":"everyone"},{"speaker":"Matt","startTime":946.388,"endTime":946.738,"body":"4"},{"speaker":"Matt","startTime":946.738,"endTime":947.338,"body":"percent"},{"speaker":"Matt","startTime":948.198,"endTime":948.418,"body":"and"},{"speaker":"Matt","startTime":948.418,"endTime":948.588,"body":"then"},{"speaker":"Matt","startTime":948.588,"endTime":948.738,"body":"we"},{"speaker":"Matt","startTime":948.738,"endTime":948.938,"body":"can"},{"speaker":"Matt","startTime":948.938,"endTime":949.228,"body":"amend"},{"speaker":"Matt","startTime":949.228,"endTime":949.428,"body":"it"},{"speaker":"Matt","startTime":949.508,"endTime":949.708,"body":"for"},{"speaker":"Matt","startTime":949.708,"endTime":949.788,"body":"the,"},{"speaker":"Matt","startTime":949.988,"endTime":950.398,"body":"the,"},{"speaker":"Matt","startTime":950.408,"endTime":950.578,"body":"the"},{"speaker":"Matt","startTime":950.578,"endTime":950.918,"body":"following"},{"speaker":"Matt","startTime":950.918,"endTime":951.238,"body":"year"},{"speaker":"Matt","startTime":951.258,"endTime":951.548,"body":"back"},{"speaker":"Matt","startTime":951.548,"endTime":951.728,"body":"down"},{"speaker":"Matt","startTime":951.728,"endTime":951.858,"body":"to"},{"speaker":"Matt","startTime":951.858,"endTime":952.068,"body":"3%."},{"speaker":"Matt","startTime":952.538,"endTime":952.648,"body":"But"},{"speaker":"Matt","startTime":952.648,"endTime":952.758,"body":"if"},{"speaker":"Matt","startTime":952.758,"endTime":952.888,"body":"you"},{"speaker":"Matt","startTime":952.888,"endTime":953.178,"body":"miss"},{"speaker":"Matt","startTime":953.178,"endTime":953.468,"body":"that,"},{"speaker":"Matt","startTime":953.488,"endTime":953.618,"body":"you"},{"speaker":"Matt","startTime":953.618,"endTime":953.748,"body":"can"},{"speaker":"Matt","startTime":953.748,"endTime":953.958,"body":"still"},{"speaker":"Matt","startTime":953.958,"endTime":954.118,"body":"do"},{"speaker":"Matt","startTime":954.438,"endTime":954.458,"body":"it."},{"speaker":"Matt","startTime":954.458,"endTime":954.508,"body":"It's"},{"speaker":"Matt","startTime":954.508,"endTime":954.558,"body":"a"},{"speaker":"Matt","startTime":954.558,"endTime":954.668,"body":"little"},{"speaker":"Matt","startTime":954.668,"endTime":954.808,"body":"more"},{"speaker":"Matt","startTime":954.808,"endTime":955.288,"body":"expensive"},{"speaker":"Matt","startTime":955.298,"endTime":955.518,"body":"for"},{"speaker":"Matt","startTime":955.518,"endTime":955.768,"body":"you."},{"speaker":"Matt","startTime":956.108,"endTime":956.278,"body":"but"},{"speaker":"Matt","startTime":956.278,"endTime":956.378,"body":"it"},{"speaker":"Matt","startTime":956.378,"endTime":956.528,"body":"is,"},{"speaker":"Matt","startTime":956.648,"endTime":956.808,"body":"it"},{"speaker":"Matt","startTime":956.808,"endTime":957.018,"body":"is"},{"speaker":"Matt","startTime":957.048,"endTime":957.378,"body":"eligible"},{"speaker":"Matt","startTime":957.528,"endTime":957.558,"body":"and"},{"speaker":"Matt","startTime":957.558,"endTime":957.618,"body":"it"},{"speaker":"Matt","startTime":957.628,"endTime":957.828,"body":"does"},{"speaker":"Matt","startTime":957.828,"endTime":958.108,"body":"help."},{"speaker":"Matt","startTime":958.108,"endTime":958.638,"body":"Sometimes"},{"speaker":"Matt","startTime":958.668,"endTime":958.878,"body":"it's"},{"speaker":"Matt","startTime":958.888,"endTime":959.018,"body":"a"},{"speaker":"Matt","startTime":959.018,"endTime":959.148,"body":"kind"},{"speaker":"Matt","startTime":959.148,"endTime":959.238,"body":"of"},{"speaker":"Matt","startTime":959.238,"endTime":959.288,"body":"a"},{"speaker":"Matt","startTime":959.288,"endTime":959.598,"body":"last"},{"speaker":"Matt","startTime":959.598,"endTime":959.828,"body":"minute"},{"speaker":"Matt","startTime":959.828,"endTime":960.018,"body":"thing"},{"speaker":"Matt","startTime":960.018,"endTime":960.138,"body":"that"},{"speaker":"Matt","startTime":960.138,"endTime":960.248,"body":"we"},{"speaker":"Matt","startTime":960.248,"endTime":960.538,"body":"do,"},{"speaker":"Matt","startTime":960.958,"endTime":961.098,"body":"in"},{"speaker":"Matt","startTime":961.098,"endTime":961.298,"body":"case"},{"speaker":"Matt","startTime":961.308,"endTime":961.608,"body":"someone"},{"speaker":"Matt","startTime":961.608,"endTime":961.798,"body":"missed"},{"speaker":"Matt","startTime":961.798,"endTime":962.048,"body":"that."},{"speaker":"Matt","startTime":962.068,"endTime":962.368,"body":"So"},{"speaker":"Matt","startTime":962.508,"endTime":962.828,"body":"that's,"},{"speaker":"Matt","startTime":962.848,"endTime":963.108,"body":"those"},{"speaker":"Matt","startTime":963.108,"endTime":963.228,"body":"are"},{"speaker":"Matt","startTime":963.228,"endTime":963.408,"body":"the"},{"speaker":"Matt","startTime":963.418,"endTime":964.048,"body":"basic."},{"speaker":"Matt","startTime":964.958,"endTime":965.728,"body":"deadlines"},{"speaker":"Matt","startTime":965.778,"endTime":965.978,"body":"that"},{"speaker":"Matt","startTime":965.978,"endTime":966.098,"body":"are"},{"speaker":"Matt","startTime":966.098,"endTime":966.638,"body":"around"},{"speaker":"Matt","startTime":966.648,"endTime":966.798,"body":"the"},{"speaker":"Matt","startTime":966.798,"endTime":967.078,"body":"safe"},{"speaker":"Matt","startTime":967.078,"endTime":967.488,"body":"harbor"},{"speaker":"Evon","startTime":967.883,"endTime":968.143,"body":"Yeah."},{"speaker":"Evon","startTime":968.173,"endTime":968.553,"body":"And"},{"speaker":"Evon","startTime":968.553,"endTime":968.863,"body":"that's"},{"speaker":"Evon","startTime":968.913,"endTime":969.243,"body":"again,"},{"speaker":"Evon","startTime":969.273,"endTime":969.433,"body":"to"},{"speaker":"Evon","startTime":969.433,"endTime":969.643,"body":"get"},{"speaker":"Evon","startTime":969.643,"endTime":970.453,"body":"contributions"},{"speaker":"Evon","startTime":970.453,"endTime":970.673,"body":"for"},{"speaker":"Evon","startTime":970.683,"endTime":971.143,"body":"this"},{"speaker":"Evon","startTime":971.163,"endTime":971.533,"body":"current"},{"speaker":"Evon","startTime":971.533,"endTime":971.883,"body":"calendar"},{"speaker":"Evon","startTime":971.883,"endTime":972.073,"body":"year"},{"speaker":"Evon","startTime":972.073,"endTime":972.213,"body":"for"},{"speaker":"Evon","startTime":972.213,"endTime":973.003,"body":"2024."},{"speaker":"Evon","startTime":973.663,"endTime":974.103,"body":"not"},{"speaker":"Evon","startTime":974.103,"endTime":974.223,"body":"if"},{"speaker":"Evon","startTime":974.223,"endTime":974.323,"body":"you"},{"speaker":"Evon","startTime":974.323,"endTime":974.453,"body":"want"},{"speaker":"Evon","startTime":974.453,"endTime":974.523,"body":"to"},{"speaker":"Evon","startTime":974.523,"endTime":974.663,"body":"get"},{"speaker":"Evon","startTime":974.663,"endTime":974.763,"body":"it"},{"speaker":"Evon","startTime":974.763,"endTime":975.203,"body":"started"},{"speaker":"Evon","startTime":975.213,"endTime":975.733,"body":"January"},{"speaker":"Evon","startTime":975.743,"endTime":976.733,"body":"1st,"},{"speaker":"Evon","startTime":976.733,"endTime":976.733,"body":"2025"},{"speaker":"Evon","startTime":976.733,"endTime":976.763,"body":"and"},{"speaker":"Evon","startTime":976.773,"endTime":977.163,"body":"beyond."},{"speaker":"Evon","startTime":977.163,"endTime":977.343,"body":"So"},{"speaker":"Evon","startTime":977.343,"endTime":977.443,"body":"if"},{"speaker":"Evon","startTime":977.463,"endTime":977.623,"body":"you"},{"speaker":"Evon","startTime":977.623,"endTime":977.793,"body":"are"},{"speaker":"Evon","startTime":977.793,"endTime":978.223,"body":"trying"},{"speaker":"Evon","startTime":978.223,"endTime":978.323,"body":"to"},{"speaker":"Evon","startTime":978.333,"endTime":978.493,"body":"get"},{"speaker":"Evon","startTime":978.493,"endTime":978.593,"body":"a"},{"speaker":"Evon","startTime":978.603,"endTime":978.983,"body":"plan"},{"speaker":"Evon","startTime":978.983,"endTime":979.673,"body":"started"},{"speaker":"Evon","startTime":980.233,"endTime":980.453,"body":"for"},{"speaker":"Evon","startTime":980.463,"endTime":980.823,"body":"this"},{"speaker":"Evon","startTime":980.823,"endTime":981.213,"body":"calendar"},{"speaker":"Evon","startTime":981.213,"endTime":981.463,"body":"year,"},{"speaker":"Evon","startTime":981.473,"endTime":982.293,"body":"2024,"},{"speaker":"Evon","startTime":982.293,"endTime":982.353,"body":"and"},{"speaker":"Evon","startTime":982.363,"endTime":982.583,"body":"get"},{"speaker":"Evon","startTime":982.583,"endTime":983.313,"body":"contributions"},{"speaker":"Evon","startTime":983.313,"endTime":983.563,"body":"in,"},{"speaker":"Evon","startTime":983.863,"endTime":984.293,"body":"employee"},{"speaker":"Evon","startTime":984.293,"endTime":984.913,"body":"contributions"},{"speaker":"Evon","startTime":984.913,"endTime":985.063,"body":"in"},{"speaker":"Evon","startTime":985.063,"endTime":985.203,"body":"for"},{"speaker":"Evon","startTime":985.203,"endTime":985.373,"body":"this"},{"speaker":"Evon","startTime":985.373,"endTime":985.733,"body":"calendar"},{"speaker":"Evon","startTime":985.733,"endTime":986.053,"body":"year,"},{"speaker":"Evon","startTime":986.613,"endTime":986.903,"body":"we"},{"speaker":"Evon","startTime":986.903,"endTime":987.083,"body":"gotta"},{"speaker":"Evon","startTime":987.083,"endTime":987.243,"body":"keep"},{"speaker":"Evon","startTime":987.243,"endTime":987.363,"body":"an"},{"speaker":"Evon","startTime":987.363,"endTime":987.473,"body":"eye"},{"speaker":"Evon","startTime":987.473,"endTime":987.583,"body":"on"},{"speaker":"Evon","startTime":987.583,"endTime":987.743,"body":"these"},{"speaker":"Evon","startTime":987.743,"endTime":988.253,"body":"deadlines,"},{"speaker":"Evon","startTime":988.273,"endTime":988.723,"body":"and,"},{"speaker":"Evon","startTime":989.263,"endTime":989.273,"body":"I"},{"speaker":"Evon","startTime":989.473,"endTime":989.943,"body":"appreciate"},{"speaker":"Evon","startTime":989.943,"endTime":990.023,"body":"you"},{"speaker":"Evon","startTime":990.023,"endTime":990.263,"body":"bringing"},{"speaker":"Evon","startTime":990.263,"endTime":990.403,"body":"up"},{"speaker":"Evon","startTime":990.403,"endTime":990.543,"body":"that"},{"speaker":"Evon","startTime":990.543,"endTime":990.873,"body":"little,"},{"speaker":"Evon","startTime":990.883,"endTime":991.113,"body":"little"},{"speaker":"Evon","startTime":991.113,"endTime":991.493,"body":"plan"},{"speaker":"Evon","startTime":991.493,"endTime":991.913,"body":"design"},{"speaker":"Evon","startTime":991.913,"endTime":992.303,"body":"tidbit"},{"speaker":"Evon","startTime":992.303,"endTime":992.473,"body":"there"},{"speaker":"Evon","startTime":992.473,"endTime":992.743,"body":"about"},{"speaker":"Evon","startTime":992.743,"endTime":993.123,"body":"the,"},{"speaker":"Evon","startTime":993.133,"endTime":993.343,"body":"the"},{"speaker":"Evon","startTime":993.343,"endTime":993.663,"body":"non"},{"speaker":"Evon","startTime":993.663,"endTime":994.263,"body":"elective"},{"speaker":"Evon","startTime":994.263,"endTime":994.623,"body":"match,"},{"speaker":"Evon","startTime":994.633,"endTime":995.093,"body":"because"},{"speaker":"Evon","startTime":995.103,"endTime":995.533,"body":"someone"},{"speaker":"Evon","startTime":995.533,"endTime":995.723,"body":"might"},{"speaker":"Evon","startTime":995.723,"endTime":995.833,"body":"be"},{"speaker":"Evon","startTime":995.833,"endTime":996.223,"body":"wondering"},{"speaker":"Evon","startTime":996.223,"endTime":996.513,"body":"why,"},{"speaker":"Evon","startTime":996.523,"endTime":996.843,"body":"why"},{"speaker":"Evon","startTime":996.843,"endTime":997.083,"body":"would"},{"speaker":"Evon","startTime":997.083,"endTime":997.213,"body":"we"},{"speaker":"Evon","startTime":997.213,"endTime":997.393,"body":"do"},{"speaker":"Evon","startTime":997.393,"endTime":997.633,"body":"that,"},{"speaker":"Evon","startTime":997.633,"endTime":997.863,"body":"right?"},{"speaker":"Evon","startTime":997.863,"endTime":997.913,"body":"I"},{"speaker":"Evon","startTime":997.913,"endTime":998.103,"body":"would"},{"speaker":"Evon","startTime":998.103,"endTime":998.353,"body":"rather"},{"speaker":"Evon","startTime":998.353,"endTime":998.563,"body":"just"},{"speaker":"Evon","startTime":998.563,"endTime":998.943,"body":"match"},{"speaker":"Evon","startTime":998.943,"endTime":999.043,"body":"the"},{"speaker":"Evon","startTime":999.043,"endTime":999.413,"body":"employee"},{"speaker":"Evon","startTime":999.413,"endTime":1000.253,"body":"contributions,"},{"speaker":"Evon","startTime":1000.728,"endTime":1001.108,"body":"Let"},{"speaker":"Evon","startTime":1001.108,"endTime":1001.298,"body":"them"},{"speaker":"Evon","startTime":1001.298,"endTime":1001.908,"body":"contribute"},{"speaker":"Evon","startTime":1001.908,"endTime":1002.048,"body":"and"},{"speaker":"Evon","startTime":1002.048,"endTime":1002.208,"body":"then"},{"speaker":"Evon","startTime":1002.588,"endTime":1002.608,"body":"I'll,"},{"speaker":"Evon","startTime":1002.608,"endTime":1002.778,"body":"I'll"},{"speaker":"Evon","startTime":1002.778,"endTime":1003.188,"body":"match"},{"speaker":"Evon","startTime":1003.188,"endTime":1003.308,"body":"what"},{"speaker":"Evon","startTime":1003.308,"endTime":1003.408,"body":"they"},{"speaker":"Evon","startTime":1003.408,"endTime":1003.958,"body":"contribute."},{"speaker":"Evon","startTime":1003.968,"endTime":1004.238,"body":"But"},{"speaker":"Evon","startTime":1004.478,"endTime":1004.828,"body":"as"},{"speaker":"Evon","startTime":1004.828,"endTime":1004.938,"body":"you"},{"speaker":"Evon","startTime":1004.938,"endTime":1005.358,"body":"mentioned,"},{"speaker":"Evon","startTime":1005.358,"endTime":1005.518,"body":"there"},{"speaker":"Evon","startTime":1005.568,"endTime":1005.878,"body":"is"},{"speaker":"Evon","startTime":1005.888,"endTime":1006.048,"body":"a"},{"speaker":"Evon","startTime":1006.048,"endTime":1006.798,"body":"reason,"},{"speaker":"Evon","startTime":1006.808,"endTime":1007.338,"body":"especially"},{"speaker":"Evon","startTime":1007.338,"endTime":1007.508,"body":"when"},{"speaker":"Evon","startTime":1007.508,"endTime":1007.658,"body":"you're"},{"speaker":"Evon","startTime":1007.658,"endTime":1008.078,"body":"planning"},{"speaker":"Evon","startTime":1008.078,"endTime":1008.188,"body":"to"},{"speaker":"Evon","startTime":1008.188,"endTime":1008.368,"body":"do"},{"speaker":"Evon","startTime":1008.368,"endTime":1008.938,"body":"consistent"},{"speaker":"Evon","startTime":1008.938,"endTime":1009.328,"body":"profit"},{"speaker":"Evon","startTime":1009.328,"endTime":1009.568,"body":"sharing"},{"speaker":"Evon","startTime":1009.568,"endTime":1010.358,"body":"contributions"},{"speaker":"Evon","startTime":1010.718,"endTime":1010.938,"body":"that"},{"speaker":"Evon","startTime":1010.948,"endTime":1011.198,"body":"you"},{"speaker":"Evon","startTime":1011.198,"endTime":1011.558,"body":"might"},{"speaker":"Evon","startTime":1011.558,"endTime":1011.828,"body":"want"},{"speaker":"Evon","startTime":1011.838,"endTime":1012.308,"body":"to"},{"speaker":"Evon","startTime":1012.348,"endTime":1012.668,"body":"use"},{"speaker":"Evon","startTime":1012.668,"endTime":1012.838,"body":"that"},{"speaker":"Evon","startTime":1012.838,"endTime":1012.978,"body":"non"},{"speaker":"Evon","startTime":1012.978,"endTime":1013.358,"body":"elective"},{"speaker":"Evon","startTime":1013.358,"endTime":1013.668,"body":"match."},{"speaker":"Evon","startTime":1013.668,"endTime":1013.968,"body":"So,"},{"speaker":"Evon","startTime":1014.278,"endTime":1014.418,"body":"if"},{"speaker":"Evon","startTime":1014.428,"endTime":1014.528,"body":"you"},{"speaker":"Evon","startTime":1014.528,"endTime":1014.668,"body":"want"},{"speaker":"Evon","startTime":1014.668,"endTime":1014.708,"body":"to"},{"speaker":"Evon","startTime":1014.708,"endTime":1014.818,"body":"get"},{"speaker":"Evon","startTime":1014.818,"endTime":1014.888,"body":"it"},{"speaker":"Evon","startTime":1014.888,"endTime":1015.048,"body":"done"},{"speaker":"Evon","startTime":1015.048,"endTime":1015.138,"body":"for"},{"speaker":"Evon","startTime":1015.138,"endTime":1015.318,"body":"this"},{"speaker":"Evon","startTime":1015.318,"endTime":1015.488,"body":"year,"},{"speaker":"Evon","startTime":1015.488,"endTime":1015.618,"body":"as"},{"speaker":"Evon","startTime":1015.618,"endTime":1015.828,"body":"Matt"},{"speaker":"Evon","startTime":1015.828,"endTime":1016.078,"body":"said,"},{"speaker":"Evon","startTime":1016.088,"endTime":1016.118,"body":"it's"},{"speaker":"Evon","startTime":1016.118,"endTime":1016.178,"body":"a"},{"speaker":"Evon","startTime":1016.178,"endTime":1016.338,"body":"little"},{"speaker":"Evon","startTime":1016.338,"endTime":1016.468,"body":"more"},{"speaker":"Evon","startTime":1016.468,"endTime":1017.138,"body":"expensive,"},{"speaker":"Evon","startTime":1017.178,"endTime":1017.358,"body":"but"},{"speaker":"Evon","startTime":1017.368,"endTime":1017.538,"body":"that"},{"speaker":"Evon","startTime":1017.538,"endTime":1017.668,"body":"can"},{"speaker":"Evon","startTime":1017.668,"endTime":1017.778,"body":"be"},{"speaker":"Evon","startTime":1017.778,"endTime":1018.148,"body":"amended"},{"speaker":"Evon","startTime":1018.148,"endTime":1018.288,"body":"for"},{"speaker":"Evon","startTime":1018.288,"endTime":1018.628,"body":"the"},{"speaker":"Evon","startTime":1018.638,"endTime":1018.988,"body":"following"},{"speaker":"Evon","startTime":1018.988,"endTime":1019.238,"body":"year."},{"speaker":"Evon","startTime":1019.678,"endTime":1019.818,"body":"so"},{"speaker":"Evon","startTime":1019.818,"endTime":1019.938,"body":"we've"},{"speaker":"Evon","startTime":1019.938,"endTime":1020.088,"body":"got"},{"speaker":"Evon","startTime":1020.088,"endTime":1020.248,"body":"some"},{"speaker":"Evon","startTime":1020.248,"endTime":1020.648,"body":"deadlines"},{"speaker":"Evon","startTime":1020.648,"endTime":1020.908,"body":"there."},{"speaker":"Evon","startTime":1021.343,"endTime":1022.043,"body":"Starting"},{"speaker":"Evon","startTime":1022.053,"endTime":1022.473,"body":"August"},{"speaker":"Evon","startTime":1022.473,"endTime":1023.013,"body":"1st."},{"speaker":"Evon","startTime":1023.033,"endTime":1023.353,"body":"Yeah."},{"speaker":"Evon","startTime":1023.403,"endTime":1023.663,"body":"That"},{"speaker":"Evon","startTime":1023.663,"endTime":1023.763,"body":"the"},{"speaker":"Evon","startTime":1023.763,"endTime":1024.023,"body":"very"},{"speaker":"Evon","startTime":1024.023,"endTime":1024.413,"body":"latest,"},{"speaker":"Evon","startTime":1024.413,"endTime":1024.643,"body":"maybe"},{"speaker":"Evon","startTime":1024.643,"endTime":1025.093,"body":"September"},{"speaker":"Evon","startTime":1025.093,"endTime":1025.473,"body":"1st"},{"speaker":"Evon","startTime":1025.863,"endTime":1025.983,"body":"to"},{"speaker":"Evon","startTime":1025.983,"endTime":1026.103,"body":"get"},{"speaker":"Evon","startTime":1026.103,"endTime":1026.243,"body":"a"},{"speaker":"Evon","startTime":1026.483,"endTime":1026.763,"body":"new"},{"speaker":"Evon","startTime":1026.763,"endTime":1027.023,"body":"safe"},{"speaker":"Evon","startTime":1027.263,"endTime":1027.713,"body":"harbor"},{"speaker":"Evon","startTime":1027.713,"endTime":1028.013,"body":"plan"},{"speaker":"Evon","startTime":1028.023,"endTime":1028.173,"body":"up"},{"speaker":"Evon","startTime":1028.173,"endTime":1028.283,"body":"and"},{"speaker":"Evon","startTime":1028.283,"endTime":1028.533,"body":"running"},{"speaker":"Evon","startTime":1028.533,"endTime":1029.173,"body":"for"},{"speaker":"Evon","startTime":1029.173,"endTime":1029.813,"body":"2024."},{"speaker":"Evon","startTime":1029.813,"endTime":1030.103,"body":"What"},{"speaker":"Evon","startTime":1030.103,"endTime":1030.293,"body":"else"},{"speaker":"Evon","startTime":1030.293,"endTime":1030.393,"body":"do"},{"speaker":"Evon","startTime":1030.393,"endTime":1030.483,"body":"we"},{"speaker":"Evon","startTime":1030.483,"endTime":1030.643,"body":"need"},{"speaker":"Evon","startTime":1030.643,"endTime":1030.703,"body":"to"},{"speaker":"Evon","startTime":1030.703,"endTime":1030.863,"body":"keep"},{"speaker":"Evon","startTime":1030.863,"endTime":1030.943,"body":"in"},{"speaker":"Evon","startTime":1030.943,"endTime":1031.263,"body":"mind?"},{"speaker":"Matt","startTime":1031.525,"endTime":1032.075,"body":"Absolutely."},{"speaker":"Matt","startTime":1032.075,"endTime":1032.435,"body":"So,"},{"speaker":"Matt","startTime":1032.665,"endTime":1033.015,"body":"before"},{"speaker":"Matt","startTime":1033.015,"endTime":1033.155,"body":"we"},{"speaker":"Matt","startTime":1033.155,"endTime":1033.515,"body":"spoke"},{"speaker":"Matt","startTime":1033.515,"endTime":1033.895,"body":"about"},{"speaker":"Matt","startTime":1033.915,"endTime":1034.265,"body":"the"},{"speaker":"Matt","startTime":1034.285,"endTime":1034.755,"body":"upside"},{"speaker":"Matt","startTime":1034.765,"endTime":1035.375,"body":"down,"},{"speaker":"Matt","startTime":1035.475,"endTime":1035.745,"body":"three"},{"speaker":"Matt","startTime":1035.745,"endTime":1036.045,"body":"layered"},{"speaker":"Matt","startTime":1036.055,"endTime":1036.335,"body":"wedding"},{"speaker":"Matt","startTime":1036.335,"endTime":1036.615,"body":"cake"},{"speaker":"Matt","startTime":1036.965,"endTime":1037.125,"body":"in"},{"speaker":"Matt","startTime":1037.125,"endTime":1037.255,"body":"one"},{"speaker":"Matt","startTime":1037.255,"endTime":1037.335,"body":"of"},{"speaker":"Matt","startTime":1037.335,"endTime":1037.385,"body":"the"},{"speaker":"Matt","startTime":1037.385,"endTime":1037.885,"body":"previous"},{"speaker":"Matt","startTime":1037.965,"endTime":1038.515,"body":"episodes,"},{"speaker":"Matt","startTime":1038.705,"endTime":1038.875,"body":"and"},{"speaker":"Matt","startTime":1038.875,"endTime":1039.055,"body":"this"},{"speaker":"Matt","startTime":1039.075,"endTime":1039.245,"body":"is"},{"speaker":"Matt","startTime":1039.245,"endTime":1039.625,"body":"how,"},{"speaker":"Matt","startTime":1039.685,"endTime":1039.885,"body":"this"},{"speaker":"Matt","startTime":1039.885,"endTime":1039.975,"body":"is"},{"speaker":"Matt","startTime":1039.985,"endTime":1040.135,"body":"the"},{"speaker":"Matt","startTime":1040.135,"endTime":1040.625,"body":"efficient"},{"speaker":"Matt","startTime":1040.635,"endTime":1040.875,"body":"plan,"},{"speaker":"Matt","startTime":1041.095,"endTime":1041.335,"body":"the"},{"speaker":"Matt","startTime":1041.335,"endTime":1041.655,"body":"most"},{"speaker":"Matt","startTime":1041.655,"endTime":1042.085,"body":"efficient"},{"speaker":"Matt","startTime":1042.085,"endTime":1042.335,"body":"plan"},{"speaker":"Matt","startTime":1042.335,"endTime":1042.815,"body":"design"},{"speaker":"Matt","startTime":1043.075,"endTime":1043.225,"body":"to"},{"speaker":"Matt","startTime":1043.235,"endTime":1043.375,"body":"get"},{"speaker":"Matt","startTime":1043.385,"endTime":1043.595,"body":"the"},{"speaker":"Matt","startTime":1043.595,"endTime":1043.895,"body":"most"},{"speaker":"Matt","startTime":1043.895,"endTime":1044.695,"body":"contributions"},{"speaker":"Matt","startTime":1044.696,"endTime":1045.395,"body":"into"},{"speaker":"Matt","startTime":1045.495,"endTime":1045.695,"body":"the"},{"speaker":"Matt","startTime":1045.705,"endTime":1046.295,"body":"ownership's"},{"speaker":"Matt","startTime":1046.315,"endTime":1046.695,"body":"pocket"},{"speaker":"Matt","startTime":1046.725,"endTime":1047.255,"body":"basically."},{"speaker":"Matt","startTime":1047.255,"endTime":1047.555,"body":"So,"},{"speaker":"Matt","startTime":1047.905,"endTime":1048.115,"body":"part"},{"speaker":"Matt","startTime":1048.115,"endTime":1048.185,"body":"of"},{"speaker":"Matt","startTime":1048.185,"endTime":1048.465,"body":"that"},{"speaker":"Matt","startTime":1048.485,"endTime":1049.025,"body":"design."},{"speaker":"Matt","startTime":1049.035,"endTime":1049.155,"body":"So"},{"speaker":"Matt","startTime":1049.155,"endTime":1049.255,"body":"the"},{"speaker":"Matt","startTime":1049.255,"endTime":1049.535,"body":"very"},{"speaker":"Matt","startTime":1049.535,"endTime":1049.965,"body":"bottom"},{"speaker":"Matt","startTime":1049.995,"endTime":1050.235,"body":"is"},{"speaker":"Matt","startTime":1050.245,"endTime":1050.475,"body":"the"},{"speaker":"Matt","startTime":1050.495,"endTime":1051.175,"body":"401k,"},{"speaker":"Matt","startTime":1051.195,"endTime":1051.335,"body":"the"},{"speaker":"Matt","startTime":1051.335,"endTime":1052.515,"body":"$23,000"},{"speaker":"Matt","startTime":1052.535,"endTime":1052.645,"body":"that"},{"speaker":"Matt","startTime":1052.645,"endTime":1052.725,"body":"we"},{"speaker":"Matt","startTime":1052.725,"endTime":1052.875,"body":"just"},{"speaker":"Matt","startTime":1052.875,"endTime":1053.115,"body":"spoke"},{"speaker":"Matt","startTime":1053.125,"endTime":1053.495,"body":"about."},{"speaker":"Matt","startTime":1053.775,"endTime":1054.265,"body":"Generally,"},{"speaker":"Matt","startTime":1054.265,"endTime":1054.445,"body":"that's"},{"speaker":"Matt","startTime":1054.445,"endTime":1054.495,"body":"going"},{"speaker":"Matt","startTime":1054.495,"endTime":1054.555,"body":"to"},{"speaker":"Matt","startTime":1054.565,"endTime":1054.685,"body":"be"},{"speaker":"Matt","startTime":1054.685,"endTime":1054.745,"body":"a"},{"speaker":"Matt","startTime":1054.745,"endTime":1054.985,"body":"safe"},{"speaker":"Matt","startTime":1054.985,"endTime":1055.315,"body":"harbor."},{"speaker":"Matt","startTime":1055.645,"endTime":1055.795,"body":"The"},{"speaker":"Matt","startTime":1055.795,"endTime":1056.205,"body":"middle"},{"speaker":"Matt","startTime":1056.205,"endTime":1056.735,"body":"layer"},{"speaker":"Matt","startTime":1057.025,"endTime":1057.245,"body":"and"},{"speaker":"Matt","startTime":1057.245,"endTime":1057.395,"body":"the"},{"speaker":"Matt","startTime":1057.415,"endTime":1057.845,"body":"top"},{"speaker":"Matt","startTime":1057.965,"endTime":1058.325,"body":"third"},{"speaker":"Matt","startTime":1058.325,"endTime":1058.815,"body":"layer"},{"speaker":"Matt","startTime":1059.235,"endTime":1059.545,"body":"are"},{"speaker":"Matt","startTime":1059.545,"endTime":1060.245,"body":"considered"},{"speaker":"Matt","startTime":1060.265,"endTime":1061.035,"body":"employer"},{"speaker":"Matt","startTime":1061.055,"endTime":1061.745,"body":"contributions."},{"speaker":"Matt","startTime":1061.755,"endTime":1061.865,"body":"So"},{"speaker":"Matt","startTime":1061.865,"endTime":1062.095,"body":"that's"},{"speaker":"Matt","startTime":1062.095,"endTime":1062.195,"body":"the"},{"speaker":"Matt","startTime":1062.195,"endTime":1062.455,"body":"money"},{"speaker":"Matt","startTime":1062.455,"endTime":1062.605,"body":"that's"},{"speaker":"Matt","startTime":1062.605,"endTime":1062.715,"body":"going"},{"speaker":"Matt","startTime":1062.715,"endTime":1062.745,"body":"to"},{"speaker":"Matt","startTime":1062.775,"endTime":1062.975,"body":"come"},{"speaker":"Matt","startTime":1062.985,"endTime":1063.235,"body":"out"},{"speaker":"Matt","startTime":1063.235,"endTime":1063.425,"body":"of"},{"speaker":"Matt","startTime":1063.425,"endTime":1063.895,"body":"your"},{"speaker":"Matt","startTime":1064.615,"endTime":1065.205,"body":"Business'"},{"speaker":"Matt","startTime":1065.22,"endTime":1065.57,"body":"corporate"},{"speaker":"Matt","startTime":1065.57,"endTime":1065.89,"body":"account,"},{"speaker":"Matt","startTime":1065.9,"endTime":1066.49,"body":"basically."},{"speaker":"Matt","startTime":1066.84,"endTime":1067.06,"body":"It's"},{"speaker":"Matt","startTime":1067.06,"endTime":1067.22,"body":"not"},{"speaker":"Matt","startTime":1067.22,"endTime":1067.3,"body":"going"},{"speaker":"Matt","startTime":1067.3,"endTime":1067.37,"body":"to"},{"speaker":"Matt","startTime":1067.37,"endTime":1067.53,"body":"run"},{"speaker":"Matt","startTime":1067.53,"endTime":1067.7,"body":"through"},{"speaker":"Matt","startTime":1067.7,"endTime":1068.05,"body":"payroll."},{"speaker":"Matt","startTime":1068.05,"endTime":1068.15,"body":"It's"},{"speaker":"Matt","startTime":1068.15,"endTime":1068.27,"body":"going"},{"speaker":"Matt","startTime":1068.27,"endTime":1068.32,"body":"to"},{"speaker":"Matt","startTime":1068.35,"endTime":1068.53,"body":"come"},{"speaker":"Matt","startTime":1068.53,"endTime":1068.63,"body":"out"},{"speaker":"Matt","startTime":1068.63,"endTime":1068.72,"body":"of"},{"speaker":"Matt","startTime":1068.72,"endTime":1068.78,"body":"the"},{"speaker":"Matt","startTime":1068.78,"endTime":1069.04,"body":"corporate"},{"speaker":"Matt","startTime":1069.04,"endTime":1069.44,"body":"account"},{"speaker":"Matt","startTime":1069.78,"endTime":1070.05,"body":"and"},{"speaker":"Matt","startTime":1070.05,"endTime":1070.24,"body":"that"},{"speaker":"Matt","startTime":1070.24,"endTime":1070.37,"body":"is"},{"speaker":"Matt","startTime":1070.37,"endTime":1070.55,"body":"going"},{"speaker":"Matt","startTime":1070.55,"endTime":1070.63,"body":"to"},{"speaker":"Matt","startTime":1070.64,"endTime":1070.77,"body":"be"},{"speaker":"Matt","startTime":1070.77,"endTime":1071.31,"body":"profit"},{"speaker":"Matt","startTime":1071.31,"endTime":1071.83,"body":"sharing"},{"speaker":"Matt","startTime":1072.12,"endTime":1072.35,"body":"or"},{"speaker":"Matt","startTime":1072.35,"endTime":1072.41,"body":"a"},{"speaker":"Matt","startTime":1072.41,"endTime":1072.88,"body":"defined"},{"speaker":"Matt","startTime":1072.88,"endTime":1073.26,"body":"benefit"},{"speaker":"Matt","startTime":1073.26,"endTime":1073.66,"body":"plan."},{"speaker":"Matt","startTime":1073.86,"endTime":1074.81,"body":"Those"},{"speaker":"Matt","startTime":1075.39,"endTime":1075.65,"body":"have"},{"speaker":"Matt","startTime":1075.65,"endTime":1075.78,"body":"some"},{"speaker":"Matt","startTime":1075.78,"endTime":1076.19,"body":"deadlines"},{"speaker":"Matt","startTime":1076.19,"endTime":1076.43,"body":"coming"},{"speaker":"Matt","startTime":1076.43,"endTime":1076.64,"body":"up"},{"speaker":"Matt","startTime":1076.72,"endTime":1076.99,"body":"as"},{"speaker":"Matt","startTime":1076.99,"endTime":1077.39,"body":"well."},{"speaker":"Matt","startTime":1077.41,"endTime":1077.76,"body":"So"},{"speaker":"Matt","startTime":1078.54,"endTime":1078.7,"body":"the"},{"speaker":"Matt","startTime":1079.04,"endTime":1079.32,"body":"safe"},{"speaker":"Matt","startTime":1079.32,"endTime":1079.7,"body":"harbor"},{"speaker":"Matt","startTime":1079.71,"endTime":1080.37,"body":"401k,"},{"speaker":"Matt","startTime":1080.38,"endTime":1080.49,"body":"the"},{"speaker":"Matt","startTime":1080.49,"endTime":1080.74,"body":"very"},{"speaker":"Matt","startTime":1080.74,"endTime":1081.04,"body":"bottom"},{"speaker":"Matt","startTime":1081.04,"endTime":1081.31,"body":"layer"},{"speaker":"Matt","startTime":1081.31,"endTime":1081.52,"body":"is"},{"speaker":"Matt","startTime":1081.52,"endTime":1081.88,"body":"October"},{"speaker":"Matt","startTime":1081.9,"endTime":1082.17,"body":"1st"},{"speaker":"Matt","startTime":1082.18,"endTime":1082.28,"body":"for"},{"speaker":"Matt","startTime":1082.28,"endTime":1082.38,"body":"the"},{"speaker":"Matt","startTime":1082.38,"endTime":1082.64,"body":"current"},{"speaker":"Matt","startTime":1082.64,"endTime":1082.91,"body":"year,"},{"speaker":"Matt","startTime":1083.17,"endTime":1083.36,"body":"but"},{"speaker":"Matt","startTime":1083.36,"endTime":1083.56,"body":"you"},{"speaker":"Matt","startTime":1083.56,"endTime":1083.74,"body":"don't"},{"speaker":"Matt","startTime":1083.76,"endTime":1084.25,"body":"have"},{"speaker":"Matt","startTime":1084.26,"endTime":1084.46,"body":"to"},{"speaker":"Matt","startTime":1084.46,"endTime":1084.84,"body":"make"},{"speaker":"Matt","startTime":1084.84,"endTime":1085.08,"body":"any"},{"speaker":"Matt","startTime":1085.08,"endTime":1085.99,"body":"contributions"},{"speaker":"Matt","startTime":1086.0,"endTime":1086.16,"body":"for"},{"speaker":"Matt","startTime":1086.16,"endTime":1086.38,"body":"those"},{"speaker":"Matt","startTime":1086.4,"endTime":1086.71,"body":"top"},{"speaker":"Matt","startTime":1086.71,"endTime":1086.92,"body":"two"},{"speaker":"Matt","startTime":1086.92,"endTime":1087.45,"body":"layers"},{"speaker":"Matt","startTime":1088.24,"endTime":1088.67,"body":"until"},{"speaker":"Matt","startTime":1088.67,"endTime":1088.79,"body":"the"},{"speaker":"Matt","startTime":1088.79,"endTime":1089.5,"body":"following"},{"speaker":"Matt","startTime":1089.5,"endTime":1089.98,"body":"year"},{"speaker":"Matt","startTime":1090.39,"endTime":1090.86,"body":"before"},{"speaker":"Matt","startTime":1090.86,"endTime":1091.01,"body":"you"},{"speaker":"Matt","startTime":1091.02,"endTime":1091.29,"body":"file"},{"speaker":"Matt","startTime":1091.29,"endTime":1091.47,"body":"your"},{"speaker":"Matt","startTime":1091.47,"endTime":1092.21,"body":"taxes."},{"speaker":"Matt","startTime":1092.735,"endTime":1093.015,"body":"for"},{"speaker":"Matt","startTime":1093.015,"endTime":1093.135,"body":"the"},{"speaker":"Matt","startTime":1093.135,"endTime":1093.625,"body":"previous"},{"speaker":"Matt","startTime":1093.625,"endTime":1093.835,"body":"year."},{"speaker":"Matt","startTime":1094.005,"endTime":1094.295,"body":"So"},{"speaker":"Matt","startTime":1094.305,"endTime":1094.475,"body":"for"},{"speaker":"Matt","startTime":1094.475,"endTime":1094.965,"body":"example,"},{"speaker":"Matt","startTime":1095.145,"endTime":1095.365,"body":"we"},{"speaker":"Matt","startTime":1095.365,"endTime":1095.815,"body":"have"},{"speaker":"Matt","startTime":1095.875,"endTime":1095.985,"body":"a"},{"speaker":"Matt","startTime":1096.015,"endTime":1096.175,"body":"couple"},{"speaker":"Matt","startTime":1096.175,"endTime":1096.245,"body":"of"},{"speaker":"Matt","startTime":1096.245,"endTime":1096.715,"body":"deadlines"},{"speaker":"Matt","startTime":1096.715,"endTime":1096.935,"body":"coming"},{"speaker":"Matt","startTime":1096.945,"endTime":1097.165,"body":"up."},{"speaker":"Matt","startTime":1097.445,"endTime":1097.625,"body":"If"},{"speaker":"Matt","startTime":1097.625,"endTime":1097.745,"body":"you"},{"speaker":"Matt","startTime":1097.745,"endTime":1097.875,"body":"have"},{"speaker":"Matt","startTime":1097.875,"endTime":1098.195,"body":"not"},{"speaker":"Matt","startTime":1098.195,"endTime":1098.555,"body":"filed"},{"speaker":"Matt","startTime":1098.555,"endTime":1098.675,"body":"your"},{"speaker":"Matt","startTime":1098.675,"endTime":1099.135,"body":"taxes"},{"speaker":"Matt","startTime":1099.135,"endTime":1099.245,"body":"and"},{"speaker":"Matt","startTime":1099.245,"endTime":1099.345,"body":"you"},{"speaker":"Matt","startTime":1099.365,"endTime":1099.615,"body":"filed"},{"speaker":"Matt","startTime":1099.615,"endTime":1100.365,"body":"extensions"},{"speaker":"Matt","startTime":1100.375,"endTime":1100.555,"body":"for"},{"speaker":"Matt","startTime":1101.275,"endTime":1101.775,"body":"2023,"},{"speaker":"Matt","startTime":1102.085,"endTime":1102.265,"body":"you"},{"speaker":"Matt","startTime":1102.265,"endTime":1102.485,"body":"can"},{"speaker":"Matt","startTime":1102.605,"endTime":1102.985,"body":"still"},{"speaker":"Matt","startTime":1102.995,"endTime":1103.265,"body":"do"},{"speaker":"Matt","startTime":1103.285,"endTime":1104.355,"body":"contributions"},{"speaker":"Matt","startTime":1104.695,"endTime":1104.895,"body":"for"},{"speaker":"Matt","startTime":1104.905,"endTime":1105.785,"body":"2023."},{"speaker":"Matt","startTime":1106.225,"endTime":1106.515,"body":"Okay."},{"speaker":"Matt","startTime":1106.545,"endTime":1106.915,"body":"So"},{"speaker":"Matt","startTime":1108.185,"endTime":1108.465,"body":"this"},{"speaker":"Matt","startTime":1108.465,"endTime":1108.765,"body":"has"},{"speaker":"Matt","startTime":1108.765,"endTime":1108.875,"body":"to"},{"speaker":"Matt","startTime":1108.885,"endTime":1109.095,"body":"do"},{"speaker":"Matt","startTime":1109.095,"endTime":1109.355,"body":"with"},{"speaker":"Matt","startTime":1109.515,"endTime":1109.855,"body":"how"},{"speaker":"Matt","startTime":1109.855,"endTime":1110.085,"body":"you're"},{"speaker":"Matt","startTime":1110.095,"endTime":1110.455,"body":"filing"},{"speaker":"Matt","startTime":1110.455,"endTime":1110.575,"body":"your"},{"speaker":"Matt","startTime":1110.575,"endTime":1111.065,"body":"taxes."},{"speaker":"Evon","startTime":1111.21,"endTime":1111.76,"body":"Yes."},{"speaker":"Matt","startTime":1112.125,"endTime":1112.485,"body":"So"},{"speaker":"Matt","startTime":1112.675,"endTime":1112.825,"body":"if"},{"speaker":"Matt","startTime":1112.825,"endTime":1112.985,"body":"you're"},{"speaker":"Matt","startTime":1112.985,"endTime":1113.105,"body":"an"},{"speaker":"Matt","startTime":1113.115,"endTime":1113.315,"body":"S"},{"speaker":"Matt","startTime":1113.315,"endTime":1113.665,"body":"corp,"},{"speaker":"Matt","startTime":1114.175,"endTime":1114.595,"body":"which"},{"speaker":"Matt","startTime":1115.135,"endTime":1115.755,"body":"most"},{"speaker":"Matt","startTime":1115.755,"endTime":1115.885,"body":"of"},{"speaker":"Matt","startTime":1115.895,"endTime":1116.035,"body":"the"},{"speaker":"Matt","startTime":1116.035,"endTime":1116.805,"body":"optometry"},{"speaker":"Matt","startTime":1116.815,"endTime":1117.485,"body":"industry"},{"speaker":"Matt","startTime":1117.535,"endTime":1118.015,"body":"is,"},{"speaker":"Matt","startTime":1118.605,"endTime":1119.255,"body":"A"},{"speaker":"Matt","startTime":1119.445,"endTime":1119.715,"body":"S"},{"speaker":"Matt","startTime":1119.725,"endTime":1119.975,"body":"they"},{"speaker":"Matt","startTime":1119.975,"endTime":1120.275,"body":"file"},{"speaker":"Matt","startTime":1120.275,"endTime":1120.385,"body":"as"},{"speaker":"Matt","startTime":1120.385,"endTime":1120.475,"body":"an"},{"speaker":"Matt","startTime":1120.475,"endTime":1120.645,"body":"S"},{"speaker":"Matt","startTime":1120.645,"endTime":1120.965,"body":"corp,"},{"speaker":"Matt","startTime":1121.565,"endTime":1121.985,"body":"September"},{"speaker":"Matt","startTime":1121.985,"endTime":1122.445,"body":"15th"},{"speaker":"Matt","startTime":1122.465,"endTime":1122.785,"body":"is"},{"speaker":"Matt","startTime":1122.785,"endTime":1123.045,"body":"your"},{"speaker":"Matt","startTime":1123.045,"endTime":1123.545,"body":"deadline."},{"speaker":"Matt","startTime":1123.555,"endTime":1123.705,"body":"That"},{"speaker":"Matt","startTime":1123.715,"endTime":1123.945,"body":"that's"},{"speaker":"Matt","startTime":1123.945,"endTime":1124.075,"body":"your"},{"speaker":"Matt","startTime":1124.085,"endTime":1124.265,"body":"new"},{"speaker":"Matt","startTime":1124.265,"endTime":1124.645,"body":"deadline."},{"speaker":"Matt","startTime":1124.645,"endTime":1124.745,"body":"If"},{"speaker":"Matt","startTime":1124.745,"endTime":1124.865,"body":"you"},{"speaker":"Matt","startTime":1124.875,"endTime":1125.045,"body":"file"},{"speaker":"Matt","startTime":1125.045,"endTime":1125.145,"body":"an"},{"speaker":"Matt","startTime":1125.145,"endTime":1125.665,"body":"extension,"},{"speaker":"Matt","startTime":1126.195,"endTime":1126.595,"body":"that"},{"speaker":"Matt","startTime":1126.595,"endTime":1126.775,"body":"is"},{"speaker":"Matt","startTime":1126.775,"endTime":1127.165,"body":"when"},{"speaker":"Matt","startTime":1127.175,"endTime":1127.415,"body":"you"},{"speaker":"Matt","startTime":1127.415,"endTime":1127.705,"body":"can"},{"speaker":"Matt","startTime":1128.085,"endTime":1128.915,"body":"implement"},{"speaker":"Matt","startTime":1129.915,"endTime":1130.455,"body":"and"},{"speaker":"Matt","startTime":1130.475,"endTime":1131.265,"body":"contribute"},{"speaker":"Matt","startTime":1131.345,"endTime":1131.715,"body":"towards"},{"speaker":"Matt","startTime":1131.755,"endTime":1132.455,"body":"2023"},{"speaker":"Matt","startTime":1133.245,"endTime":1133.495,"body":"for"},{"speaker":"Matt","startTime":1133.505,"endTime":1134.075,"body":"just"},{"speaker":"Matt","startTime":1134.145,"endTime":1134.505,"body":"that"},{"speaker":"Matt","startTime":1134.515,"endTime":1134.925,"body":"portion."},{"speaker":"Matt","startTime":1134.935,"endTime":1135.115,"body":"You've"},{"speaker":"Matt","startTime":1135.115,"endTime":1135.375,"body":"already"},{"speaker":"Matt","startTime":1135.375,"endTime":1135.805,"body":"missed"},{"speaker":"Matt","startTime":1136.325,"endTime":1136.465,"body":"the"},{"speaker":"Matt","startTime":1136.465,"endTime":1136.955,"body":"deadline"},{"speaker":"Matt","startTime":1136.975,"endTime":1137.105,"body":"for"},{"speaker":"Matt","startTime":1137.105,"endTime":1137.215,"body":"the"},{"speaker":"Matt","startTime":1137.215,"endTime":1137.475,"body":"safe"},{"speaker":"Matt","startTime":1137.475,"endTime":1137.695,"body":"harbor,"},{"speaker":"Matt","startTime":1137.695,"endTime":1137.965,"body":"right?"},{"speaker":"Matt","startTime":1137.965,"endTime":1138.085,"body":"Cause"},{"speaker":"Matt","startTime":1138.255,"endTime":1138.285,"body":"that"},{"speaker":"Matt","startTime":1138.285,"endTime":1138.695,"body":"passed"},{"speaker":"Matt","startTime":1138.695,"endTime":1139.175,"body":"October"},{"speaker":"Matt","startTime":1139.485,"endTime":1139.665,"body":"1st,"},{"speaker":"Matt","startTime":1140.105,"endTime":1140.485,"body":"of"},{"speaker":"Matt","startTime":1140.495,"endTime":1140.895,"body":"last"},{"speaker":"Matt","startTime":1140.895,"endTime":1141.045,"body":"of"},{"speaker":"Matt","startTime":1141.595,"endTime":1141.865,"body":"2023,"},{"speaker":"Matt","startTime":1141.875,"endTime":1142.055,"body":"that's"},{"speaker":"Matt","startTime":1142.055,"endTime":1142.225,"body":"already,"},{"speaker":"Matt","startTime":1142.265,"endTime":1142.445,"body":"that"},{"speaker":"Matt","startTime":1142.445,"endTime":1142.715,"body":"part's"},{"speaker":"Matt","startTime":1142.715,"endTime":1142.895,"body":"gone"},{"speaker":"Matt","startTime":1142.895,"endTime":1143.075,"body":"that"},{"speaker":"Matt","startTime":1143.075,"endTime":1144.135,"body":"$23,000"},{"speaker":"Matt","startTime":1144.155,"endTime":1144.335,"body":"we"},{"speaker":"Matt","startTime":1144.335,"endTime":1144.565,"body":"missed,"},{"speaker":"Matt","startTime":1145.145,"endTime":1145.295,"body":"but"},{"speaker":"Matt","startTime":1145.295,"endTime":1145.405,"body":"if"},{"speaker":"Matt","startTime":1145.405,"endTime":1145.575,"body":"you"},{"speaker":"Matt","startTime":1145.615,"endTime":1145.895,"body":"still"},{"speaker":"Matt","startTime":1145.895,"endTime":1146.055,"body":"want"},{"speaker":"Matt","startTime":1146.055,"endTime":1146.105,"body":"to"},{"speaker":"Matt","startTime":1146.105,"endTime":1146.295,"body":"do"},{"speaker":"Matt","startTime":1146.295,"endTime":1146.685,"body":"something"},{"speaker":"Matt","startTime":1146.685,"endTime":1146.825,"body":"for"},{"speaker":"Matt","startTime":1146.825,"endTime":1147.455,"body":"2023."},{"speaker":"Matt","startTime":1148.915,"endTime":1149.675,"body":"September"},{"speaker":"Matt","startTime":1149.985,"endTime":1150.385,"body":"15th,"},{"speaker":"Matt","startTime":1150.865,"endTime":1151.005,"body":"we"},{"speaker":"Matt","startTime":1151.005,"endTime":1151.135,"body":"have"},{"speaker":"Matt","startTime":1151.135,"endTime":1151.245,"body":"to"},{"speaker":"Matt","startTime":1151.265,"endTime":1151.865,"body":"implement"},{"speaker":"Matt","startTime":1151.935,"endTime":1152.295,"body":"and"},{"speaker":"Matt","startTime":1152.295,"endTime":1152.825,"body":"contribute"},{"speaker":"Matt","startTime":1152.865,"endTime":1153.215,"body":"by"},{"speaker":"Matt","startTime":1153.225,"endTime":1153.475,"body":"that"},{"speaker":"Matt","startTime":1153.485,"endTime":1153.855,"body":"date,"},{"speaker":"Matt","startTime":1153.885,"endTime":1154.015,"body":"and"},{"speaker":"Matt","startTime":1154.015,"endTime":1154.125,"body":"you"},{"speaker":"Matt","startTime":1154.125,"endTime":1154.375,"body":"still"},{"speaker":"Matt","startTime":1154.375,"endTime":1154.525,"body":"get"},{"speaker":"Matt","startTime":1154.525,"endTime":1154.605,"body":"a"},{"speaker":"Matt","startTime":1154.615,"endTime":1155.085,"body":"deduction"},{"speaker":"Matt","startTime":1155.095,"endTime":1155.265,"body":"for"},{"speaker":"Matt","startTime":1155.265,"endTime":1155.945,"body":"2023."},{"speaker":"Matt","startTime":1157.445,"endTime":1157.555,"body":"then"},{"speaker":"Matt","startTime":1157.555,"endTime":1157.645,"body":"if"},{"speaker":"Matt","startTime":1157.645,"endTime":1157.795,"body":"you"},{"speaker":"Matt","startTime":1157.875,"endTime":1158.325,"body":"start"},{"speaker":"Matt","startTime":1159.505,"endTime":1159.605,"body":"a"},{"speaker":"Matt","startTime":1159.605,"endTime":1159.785,"body":"new"},{"speaker":"Matt","startTime":1159.785,"endTime":1160.085,"body":"plan"},{"speaker":"Matt","startTime":1160.085,"endTime":1160.245,"body":"for"},{"speaker":"Matt","startTime":1160.605,"endTime":1161.385,"body":"2024"},{"speaker":"Matt","startTime":1161.385,"endTime":1161.465,"body":"at"},{"speaker":"Matt","startTime":1161.475,"endTime":1161.695,"body":"that"},{"speaker":"Matt","startTime":1161.705,"endTime":1161.925,"body":"Safe"},{"speaker":"Matt","startTime":1161.925,"endTime":1162.315,"body":"Harbor,"},{"speaker":"Matt","startTime":1162.595,"endTime":1162.785,"body":"by"},{"speaker":"Matt","startTime":1162.795,"endTime":1162.955,"body":"that"},{"speaker":"Matt","startTime":1162.955,"endTime":1163.365,"body":"October"},{"speaker":"Matt","startTime":1163.375,"endTime":1163.735,"body":"1st"},{"speaker":"Matt","startTime":1164.255,"endTime":1164.775,"body":"portion,"},{"speaker":"Matt","startTime":1165.665,"endTime":1165.845,"body":"you"},{"speaker":"Matt","startTime":1165.845,"endTime":1166.095,"body":"have"},{"speaker":"Matt","startTime":1166.105,"endTime":1166.285,"body":"until"},{"speaker":"Matt","startTime":1166.285,"endTime":1166.695,"body":"September"},{"speaker":"Matt","startTime":1166.695,"endTime":1167.405,"body":"15th"},{"speaker":"Matt","startTime":1167.525,"endTime":1167.725,"body":"of"},{"speaker":"Matt","startTime":1167.725,"endTime":1168.815,"body":"2025"},{"speaker":"Matt","startTime":1169.755,"endTime":1169.895,"body":"to"},{"speaker":"Matt","startTime":1169.895,"endTime":1170.395,"body":"do"},{"speaker":"Matt","startTime":1170.405,"endTime":1170.685,"body":"those"},{"speaker":"Matt","startTime":1170.705,"endTime":1171.015,"body":"top"},{"speaker":"Matt","startTime":1171.015,"endTime":1171.235,"body":"two"},{"speaker":"Matt","startTime":1171.235,"endTime":1171.725,"body":"layers"},{"speaker":"Matt","startTime":1171.755,"endTime":1171.925,"body":"of"},{"speaker":"Matt","startTime":1171.925,"endTime":1172.085,"body":"that"},{"speaker":"Matt","startTime":1172.085,"endTime":1172.375,"body":"upside"},{"speaker":"Matt","startTime":1172.375,"endTime":1172.565,"body":"down"},{"speaker":"Matt","startTime":1172.565,"endTime":1172.785,"body":"three"},{"speaker":"Matt","startTime":1172.785,"endTime":1173.015,"body":"layered"},{"speaker":"Matt","startTime":1173.015,"endTime":1173.385,"body":"cake"},{"speaker":"Matt","startTime":1173.451,"endTime":1174.2,"body":"for"},{"speaker":"Matt","startTime":1174.2,"endTime":1174.95,"body":"2024."},{"speaker":"Matt","startTime":1175.21,"endTime":1175.36,"body":"So"},{"speaker":"Matt","startTime":1175.36,"endTime":1175.64,"body":"those"},{"speaker":"Matt","startTime":1175.64,"endTime":1175.74,"body":"are"},{"speaker":"Matt","startTime":1175.74,"endTime":1175.98,"body":"still"},{"speaker":"Matt","startTime":1175.98,"endTime":1176.46,"body":"approaching,"},{"speaker":"Matt","startTime":1176.47,"endTime":1176.63,"body":"even"},{"speaker":"Matt","startTime":1176.63,"endTime":1176.72,"body":"though"},{"speaker":"Matt","startTime":1176.72,"endTime":1176.88,"body":"they're"},{"speaker":"Matt","startTime":1176.89,"endTime":1177.02,"body":"for"},{"speaker":"Matt","startTime":1177.02,"endTime":1177.1,"body":"the"},{"speaker":"Matt","startTime":1177.1,"endTime":1177.48,"body":"previous"},{"speaker":"Matt","startTime":1177.56,"endTime":1178.02,"body":"year,"},{"speaker":"Matt","startTime":1178.23,"endTime":1178.37,"body":"they"},{"speaker":"Matt","startTime":1178.37,"endTime":1178.52,"body":"are"},{"speaker":"Matt","startTime":1178.52,"endTime":1178.73,"body":"coming"},{"speaker":"Matt","startTime":1178.73,"endTime":1178.93,"body":"up."},{"speaker":"Matt","startTime":1179.22,"endTime":1179.39,"body":"If"},{"speaker":"Matt","startTime":1179.39,"endTime":1179.47,"body":"you"},{"speaker":"Matt","startTime":1179.47,"endTime":1179.64,"body":"don't"},{"speaker":"Matt","startTime":1179.64,"endTime":1179.89,"body":"file"},{"speaker":"Matt","startTime":1180.03,"endTime":1180.26,"body":"as"},{"speaker":"Matt","startTime":1180.26,"endTime":1180.37,"body":"an"},{"speaker":"Matt","startTime":1180.37,"endTime":1180.56,"body":"S"},{"speaker":"Matt","startTime":1180.56,"endTime":1180.91,"body":"corp"},{"speaker":"Matt","startTime":1180.99,"endTime":1181.18,"body":"and"},{"speaker":"Matt","startTime":1181.18,"endTime":1181.32,"body":"you're"},{"speaker":"Matt","startTime":1181.33,"endTime":1181.54,"body":"just"},{"speaker":"Matt","startTime":1181.54,"endTime":1181.79,"body":"a"},{"speaker":"Matt","startTime":1182.08,"endTime":1182.84,"body":"LLC,"},{"speaker":"Matt","startTime":1182.84,"endTime":1183.24,"body":"Schedule"},{"speaker":"Matt","startTime":1183.24,"endTime":1183.71,"body":"C,"},{"speaker":"Matt","startTime":1184.02,"endTime":1184.4,"body":"that"},{"speaker":"Matt","startTime":1184.6,"endTime":1184.96,"body":"pushes"},{"speaker":"Matt","startTime":1184.96,"endTime":1185.11,"body":"to"},{"speaker":"Matt","startTime":1185.11,"endTime":1185.51,"body":"October"},{"speaker":"Matt","startTime":1185.51,"endTime":1185.83,"body":"15th."},{"speaker":"Evon","startTime":1186.29,"endTime":1186.55,"body":"Yeah."},{"speaker":"Evon","startTime":1186.58,"endTime":1187.01,"body":"And"},{"speaker":"Evon","startTime":1187.01,"endTime":1187.22,"body":"for"},{"speaker":"Evon","startTime":1187.24,"endTime":1187.77,"body":"partnerships"},{"speaker":"Evon","startTime":1187.77,"endTime":1187.91,"body":"out"},{"speaker":"Evon","startTime":1187.91,"endTime":1188.13,"body":"there,"},{"speaker":"Evon","startTime":1188.13,"endTime":1188.33,"body":"I"},{"speaker":"Evon","startTime":1188.42,"endTime":1188.8,"body":"have"},{"speaker":"Evon","startTime":1188.81,"endTime":1189.12,"body":"husband"},{"speaker":"Evon","startTime":1189.12,"endTime":1189.21,"body":"and"},{"speaker":"Evon","startTime":1189.21,"endTime":1189.43,"body":"wife"},{"speaker":"Evon","startTime":1189.43,"endTime":1189.73,"body":"teams"},{"speaker":"Evon","startTime":1189.73,"endTime":1189.93,"body":"that"},{"speaker":"Evon","startTime":1189.99,"endTime":1190.22,"body":"co-own"},{"speaker":"Evon","startTime":1190.22,"endTime":1190.26,"body":"a"},{"speaker":"Evon","startTime":1190.28,"endTime":1190.93,"body":"practice,"},{"speaker":"Evon","startTime":1191.25,"endTime":1191.6,"body":"non"},{"speaker":"Evon","startTime":1191.601,"endTime":1191.92,"body":"husband"},{"speaker":"Evon","startTime":1191.92,"endTime":1192.03,"body":"and"},{"speaker":"Evon","startTime":1192.03,"endTime":1192.26,"body":"wife"},{"speaker":"Evon","startTime":1192.26,"endTime":1192.65,"body":"teams"},{"speaker":"Evon","startTime":1192.65,"endTime":1192.92,"body":"that"},{"speaker":"Evon","startTime":1192.92,"endTime":1193.23,"body":"co-own"},{"speaker":"Evon","startTime":1193.23,"endTime":1193.27,"body":"a"},{"speaker":"Evon","startTime":1193.29,"endTime":1193.73,"body":"practice."},{"speaker":"Evon","startTime":1193.73,"endTime":1193.85,"body":"If"},{"speaker":"Evon","startTime":1193.85,"endTime":1193.96,"body":"you're"},{"speaker":"Evon","startTime":1193.96,"endTime":1194.28,"body":"taxed"},{"speaker":"Evon","startTime":1194.28,"endTime":1194.38,"body":"as"},{"speaker":"Evon","startTime":1194.4,"endTime":1194.46,"body":"a"},{"speaker":"Evon","startTime":1194.46,"endTime":1195.01,"body":"partnership,"},{"speaker":"Evon","startTime":1195.02,"endTime":1195.29,"body":"same"},{"speaker":"Evon","startTime":1195.29,"endTime":1195.51,"body":"thing."},{"speaker":"Evon","startTime":1195.52,"endTime":1195.63,"body":"You"},{"speaker":"Evon","startTime":1195.64,"endTime":1195.8,"body":"have"},{"speaker":"Evon","startTime":1195.8,"endTime":1195.89,"body":"a"},{"speaker":"Evon","startTime":1195.91,"endTime":1196.36,"body":"partnership"},{"speaker":"Evon","startTime":1196.36,"endTime":1196.64,"body":"tax"},{"speaker":"Evon","startTime":1196.64,"endTime":1196.96,"body":"return."},{"speaker":"Evon","startTime":1197.33,"endTime":1197.53,"body":"That's"},{"speaker":"Evon","startTime":1197.54,"endTime":1197.85,"body":"filed"},{"speaker":"Evon","startTime":1197.85,"endTime":1197.9,"body":"a"},{"speaker":"Evon","startTime":1197.9,"endTime":1198.14,"body":"month"},{"speaker":"Evon","startTime":1198.14,"endTime":1198.64,"body":"earlier,"},{"speaker":"Evon","startTime":1198.87,"endTime":1198.97,"body":"you"},{"speaker":"Evon","startTime":1198.97,"endTime":1199.13,"body":"need"},{"speaker":"Evon","startTime":1199.13,"endTime":1199.2,"body":"to"},{"speaker":"Evon","startTime":1199.2,"endTime":1199.42,"body":"keep"},{"speaker":"Evon","startTime":1199.42,"endTime":1199.62,"body":"that"},{"speaker":"Evon","startTime":1199.63,"endTime":1200.0,"body":"earlier"},{"speaker":"Evon","startTime":1200.0,"endTime":1200.53,"body":"deadline"},{"speaker":"Evon","startTime":1200.61,"endTime":1200.78,"body":"in"},{"speaker":"Evon","startTime":1200.78,"endTime":1201.04,"body":"mind"},{"speaker":"Evon","startTime":1201.04,"endTime":1201.16,"body":"for"},{"speaker":"Evon","startTime":1201.16,"endTime":1201.36,"body":"you"},{"speaker":"Evon","startTime":1201.41,"endTime":1201.58,"body":"as"},{"speaker":"Evon","startTime":1201.58,"endTime":1201.9,"body":"well."},{"speaker":"Matt","startTime":1202.257,"endTime":1202.447,"body":"Yeah,"},{"speaker":"Matt","startTime":1202.447,"endTime":1202.597,"body":"and"},{"speaker":"Matt","startTime":1202.717,"endTime":1202.997,"body":"those"},{"speaker":"Matt","startTime":1202.997,"endTime":1203.067,"body":"are"},{"speaker":"Matt","startTime":1203.067,"endTime":1203.207,"body":"where"},{"speaker":"Matt","startTime":1203.207,"endTime":1203.337,"body":"the"},{"speaker":"Matt","startTime":1203.347,"endTime":1203.627,"body":"real"},{"speaker":"Matt","startTime":1203.627,"endTime":1203.987,"body":"large"},{"speaker":"Matt","startTime":1203.997,"endTime":1204.637,"body":"contributions"},{"speaker":"Matt","startTime":1204.697,"endTime":1204.797,"body":"come"},{"speaker":"Matt","startTime":1204.797,"endTime":1204.957,"body":"into"},{"speaker":"Matt","startTime":1204.957,"endTime":1205.277,"body":"play."},{"speaker":"Evon","startTime":1205.902,"endTime":1206.192,"body":"Yeah,"},{"speaker":"Evon","startTime":1206.612,"endTime":1206.882,"body":"yeah,"},{"speaker":"Evon","startTime":1206.882,"endTime":1207.412,"body":"that's,"},{"speaker":"Evon","startTime":1207.682,"endTime":1207.952,"body":"that's"},{"speaker":"Evon","startTime":1207.952,"endTime":1208.042,"body":"where"},{"speaker":"Evon","startTime":1208.042,"endTime":1208.102,"body":"a"},{"speaker":"Evon","startTime":1208.102,"endTime":1208.292,"body":"lot,"},{"speaker":"Evon","startTime":1208.452,"endTime":1208.522,"body":"a"},{"speaker":"Evon","startTime":1208.522,"endTime":1208.722,"body":"lot"},{"speaker":"Evon","startTime":1208.722,"endTime":1208.842,"body":"of"},{"speaker":"Evon","startTime":1208.842,"endTime":1209.192,"body":"fun"},{"speaker":"Evon","startTime":1209.202,"endTime":1209.582,"body":"planning"},{"speaker":"Evon","startTime":1209.582,"endTime":1210.002,"body":"levers"},{"speaker":"Evon","startTime":1210.252,"endTime":1210.412,"body":"come"},{"speaker":"Evon","startTime":1210.412,"endTime":1210.562,"body":"into"},{"speaker":"Evon","startTime":1210.562,"endTime":1210.782,"body":"play"},{"speaker":"Evon","startTime":1210.782,"endTime":1211.032,"body":"there."},{"speaker":"Evon","startTime":1211.342,"endTime":1211.612,"body":"not"},{"speaker":"Evon","startTime":1211.612,"endTime":1211.822,"body":"only"},{"speaker":"Evon","startTime":1211.822,"endTime":1212.032,"body":"from"},{"speaker":"Evon","startTime":1212.032,"endTime":1212.182,"body":"a,"},{"speaker":"Evon","startTime":1212.202,"endTime":1213.152,"body":"a"},{"speaker":"Evon","startTime":1213.242,"endTime":1213.602,"body":"tax"},{"speaker":"Evon","startTime":1213.602,"endTime":1213.862,"body":"planning"},{"speaker":"Evon","startTime":1213.862,"endTime":1214.482,"body":"perspective,"},{"speaker":"Evon","startTime":1214.492,"endTime":1214.662,"body":"but"},{"speaker":"Evon","startTime":1214.662,"endTime":1214.832,"body":"just"},{"speaker":"Evon","startTime":1214.832,"endTime":1214.932,"body":"for"},{"speaker":"Evon","startTime":1214.932,"endTime":1215.142,"body":"your"},{"speaker":"Evon","startTime":1215.142,"endTime":1215.482,"body":"own"},{"speaker":"Evon","startTime":1215.762,"endTime":1216.212,"body":"retirement"},{"speaker":"Evon","startTime":1216.212,"endTime":1216.422,"body":"planning"},{"speaker":"Evon","startTime":1216.422,"endTime":1216.962,"body":"perspective,"},{"speaker":"Evon","startTime":1217.002,"endTime":1217.162,"body":"you"},{"speaker":"Evon","startTime":1217.162,"endTime":1217.252,"body":"can,"},{"speaker":"Evon","startTime":1217.262,"endTime":1217.372,"body":"you"},{"speaker":"Evon","startTime":1217.372,"endTime":1217.502,"body":"can"},{"speaker":"Evon","startTime":1217.502,"endTime":1217.752,"body":"start"},{"speaker":"Evon","startTime":1217.752,"endTime":1217.842,"body":"to"},{"speaker":"Evon","startTime":1217.842,"endTime":1218.012,"body":"put"},{"speaker":"Evon","startTime":1218.012,"endTime":1218.112,"body":"in"},{"speaker":"Evon","startTime":1218.112,"endTime":1218.502,"body":"quite"},{"speaker":"Evon","startTime":1218.502,"endTime":1218.542,"body":"a"},{"speaker":"Evon","startTime":1218.542,"endTime":1218.692,"body":"bit"},{"speaker":"Evon","startTime":1218.692,"endTime":1218.862,"body":"more"},{"speaker":"Evon","startTime":1218.862,"endTime":1219.382,"body":"dollars."},{"speaker":"Evon","startTime":1220.702,"endTime":1221.062,"body":"into"},{"speaker":"Evon","startTime":1221.062,"endTime":1221.332,"body":"those"},{"speaker":"Evon","startTime":1221.332,"endTime":1221.642,"body":"layers"},{"speaker":"Evon","startTime":1221.642,"endTime":1221.732,"body":"of"},{"speaker":"Evon","startTime":1221.732,"endTime":1221.802,"body":"the"},{"speaker":"Evon","startTime":1221.802,"endTime":1222.122,"body":"plan."},{"speaker":"Evon","startTime":1222.122,"endTime":1222.252,"body":"And"},{"speaker":"Evon","startTime":1222.252,"endTime":1222.532,"body":"I'll"},{"speaker":"Evon","startTime":1222.602,"endTime":1223.022,"body":"throw"},{"speaker":"Evon","startTime":1223.052,"endTime":1223.352,"body":"our"},{"speaker":"Evon","startTime":1223.362,"endTime":1223.662,"body":"past"},{"speaker":"Evon","startTime":1223.662,"endTime":1224.372,"body":"conversations,"},{"speaker":"Evon","startTime":1224.372,"endTime":1224.622,"body":"Matt,"},{"speaker":"Evon","startTime":1224.632,"endTime":1224.952,"body":"into"},{"speaker":"Evon","startTime":1224.952,"endTime":1225.302,"body":"the,"},{"speaker":"Evon","startTime":1225.882,"endTime":1226.072,"body":"to"},{"speaker":"Evon","startTime":1226.072,"endTime":1226.182,"body":"the"},{"speaker":"Evon","startTime":1226.182,"endTime":1226.482,"body":"show"},{"speaker":"Evon","startTime":1226.482,"endTime":1226.822,"body":"notes"},{"speaker":"Evon","startTime":1226.832,"endTime":1226.892,"body":"so"},{"speaker":"Evon","startTime":1226.892,"endTime":1227.032,"body":"they"},{"speaker":"Evon","startTime":1227.032,"endTime":1227.212,"body":"can"},{"speaker":"Evon","startTime":1227.212,"endTime":1227.402,"body":"get"},{"speaker":"Evon","startTime":1227.402,"endTime":1227.622,"body":"a"},{"speaker":"Evon","startTime":1227.842,"endTime":1228.272,"body":"feel"},{"speaker":"Evon","startTime":1228.272,"endTime":1228.392,"body":"and"},{"speaker":"Evon","startTime":1228.392,"endTime":1228.432,"body":"a"},{"speaker":"Evon","startTime":1228.432,"endTime":1228.822,"body":"listen"},{"speaker":"Evon","startTime":1228.822,"endTime":1229.122,"body":"for"},{"speaker":"Evon","startTime":1229.132,"endTime":1229.332,"body":"some"},{"speaker":"Evon","startTime":1229.332,"endTime":1229.412,"body":"of"},{"speaker":"Evon","startTime":1229.412,"endTime":1229.632,"body":"those"},{"speaker":"Evon","startTime":1229.632,"endTime":1230.272,"body":"additional"},{"speaker":"Evon","startTime":1230.392,"endTime":1230.942,"body":"employer"},{"speaker":"Evon","startTime":1230.942,"endTime":1231.742,"body":"contributions."},{"speaker":"Evon","startTime":1231.742,"endTime":1232.042,"body":"so"},{"speaker":"Evon","startTime":1232.052,"endTime":1232.442,"body":"hopefully"},{"speaker":"Evon","startTime":1232.442,"endTime":1232.582,"body":"that"},{"speaker":"Evon","startTime":1232.582,"endTime":1232.712,"body":"will"},{"speaker":"Evon","startTime":1232.712,"endTime":1232.802,"body":"be"},{"speaker":"Evon","startTime":1232.802,"endTime":1233.222,"body":"helpful"},{"speaker":"Evon","startTime":1233.222,"endTime":1233.582,"body":"there."},{"speaker":"Evon","startTime":1233.832,"endTime":1234.022,"body":"So"},{"speaker":"Evon","startTime":1234.022,"endTime":1234.122,"body":"we've"},{"speaker":"Evon","startTime":1234.122,"endTime":1234.422,"body":"got"},{"speaker":"Evon","startTime":1234.432,"endTime":1234.672,"body":"the"},{"speaker":"Evon","startTime":1234.682,"endTime":1235.382,"body":"contribution"},{"speaker":"Evon","startTime":1235.382,"endTime":1235.842,"body":"deadlines"},{"speaker":"Evon","startTime":1235.852,"endTime":1236.022,"body":"on"},{"speaker":"Evon","startTime":1236.022,"endTime":1236.142,"body":"the"},{"speaker":"Evon","startTime":1236.142,"endTime":1236.702,"body":"employer"},{"speaker":"Evon","startTime":1236.702,"endTime":1237.172,"body":"side."},{"speaker":"Evon","startTime":1237.362,"endTime":1237.652,"body":"what"},{"speaker":"Evon","startTime":1237.772,"endTime":1237.872,"body":"other"},{"speaker":"Evon","startTime":1237.872,"endTime":1238.272,"body":"deadlines"},{"speaker":"Evon","startTime":1238.282,"endTime":1238.332,"body":"do"},{"speaker":"Evon","startTime":1238.332,"endTime":1238.422,"body":"we"},{"speaker":"Evon","startTime":1238.422,"endTime":1238.582,"body":"need"},{"speaker":"Evon","startTime":1238.602,"endTime":1238.622,"body":"to"},{"speaker":"Evon","startTime":1238.622,"endTime":1238.782,"body":"keep"},{"speaker":"Evon","startTime":1238.782,"endTime":1238.862,"body":"in"},{"speaker":"Evon","startTime":1238.862,"endTime":1239.132,"body":"mind?"},{"speaker":"Matt","startTime":1239.315,"endTime":1239.562,"body":"Yeah,"},{"speaker":"Matt","startTime":1239.562,"endTime":1239.872,"body":"so"},{"speaker":"Matt","startTime":1239.882,"endTime":1240.262,"body":"really"},{"speaker":"Matt","startTime":1240.262,"endTime":1240.372,"body":"the"},{"speaker":"Matt","startTime":1240.372,"endTime":1240.502,"body":"only"},{"speaker":"Matt","startTime":1240.502,"endTime":1240.812,"body":"other"},{"speaker":"Matt","startTime":1240.822,"endTime":1241.382,"body":"deadlines"},{"speaker":"Matt","startTime":1241.382,"endTime":1241.492,"body":"that"},{"speaker":"Matt","startTime":1241.492,"endTime":1241.572,"body":"we"},{"speaker":"Matt","startTime":1241.572,"endTime":1241.692,"body":"have"},{"speaker":"Matt","startTime":1241.692,"endTime":1241.802,"body":"to"},{"speaker":"Matt","startTime":1241.842,"endTime":1242.192,"body":"worry"},{"speaker":"Matt","startTime":1242.192,"endTime":1242.402,"body":"about"},{"speaker":"Matt","startTime":1242.402,"endTime":1242.612,"body":"right"},{"speaker":"Matt","startTime":1242.612,"endTime":1242.772,"body":"now"},{"speaker":"Matt","startTime":1242.772,"endTime":1242.902,"body":"that"},{"speaker":"Matt","startTime":1242.902,"endTime":1242.982,"body":"are"},{"speaker":"Matt","startTime":1242.982,"endTime":1243.562,"body":"relevant"},{"speaker":"Matt","startTime":1243.592,"endTime":1244.172,"body":"are"},{"speaker":"Matt","startTime":1244.452,"endTime":1244.602,"body":"if"},{"speaker":"Matt","startTime":1244.602,"endTime":1244.702,"body":"you"},{"speaker":"Matt","startTime":1244.702,"endTime":1244.912,"body":"already"},{"speaker":"Matt","startTime":1244.912,"endTime":1245.132,"body":"have"},{"speaker":"Matt","startTime":1245.132,"endTime":1245.182,"body":"a"},{"speaker":"Matt","startTime":1245.182,"endTime":1245.592,"body":"plan,"},{"speaker":"Matt","startTime":1245.732,"endTime":1245.912,"body":"if"},{"speaker":"Matt","startTime":1245.912,"endTime":1246.042,"body":"it's"},{"speaker":"Matt","startTime":1246.042,"endTime":1246.292,"body":"already"},{"speaker":"Matt","startTime":1246.292,"endTime":1246.422,"body":"up"},{"speaker":"Matt","startTime":1246.422,"endTime":1246.532,"body":"and"},{"speaker":"Matt","startTime":1246.532,"endTime":1246.902,"body":"running."},{"speaker":"Matt","startTime":1248.082,"endTime":1248.482,"body":"July"},{"speaker":"Matt","startTime":1248.492,"endTime":1249.112,"body":"31st"},{"speaker":"Matt","startTime":1249.122,"endTime":1249.262,"body":"is"},{"speaker":"Matt","startTime":1249.262,"endTime":1249.472,"body":"when"},{"speaker":"Matt","startTime":1249.472,"endTime":1249.972,"body":"the"},{"speaker":"Matt","startTime":1250.252,"endTime":1251.222,"body":"5500s"},{"speaker":"Matt","startTime":1251.392,"endTime":1251.632,"body":"are"},{"speaker":"Matt","startTime":1251.642,"endTime":1252.032,"body":"due,"},{"speaker":"Matt","startTime":1252.052,"endTime":1252.462,"body":"assuming"},{"speaker":"Matt","startTime":1252.462,"endTime":1252.602,"body":"you're"},{"speaker":"Matt","startTime":1252.602,"endTime":1252.712,"body":"on"},{"speaker":"Matt","startTime":1252.712,"endTime":1252.772,"body":"a"},{"speaker":"Matt","startTime":1252.772,"endTime":1253.162,"body":"calendar"},{"speaker":"Matt","startTime":1253.162,"endTime":1253.322,"body":"year"},{"speaker":"Matt","startTime":1253.322,"endTime":1253.452,"body":"and"},{"speaker":"Matt","startTime":1253.452,"endTime":1253.592,"body":"not"},{"speaker":"Matt","startTime":1253.592,"endTime":1253.632,"body":"a"},{"speaker":"Matt","startTime":1253.632,"endTime":1253.982,"body":"fiscal"},{"speaker":"Matt","startTime":1253.992,"endTime":1254.282,"body":"year."},{"speaker":"Matt","startTime":1255.002,"endTime":1255.172,"body":"So"},{"speaker":"Matt","startTime":1255.172,"endTime":1255.322,"body":"the"},{"speaker":"Matt","startTime":1255.352,"endTime":1256.212,"body":"5500s"},{"speaker":"Matt","startTime":1256.222,"endTime":1256.372,"body":"are"},{"speaker":"Matt","startTime":1256.382,"endTime":1256.602,"body":"due"},{"speaker":"Matt","startTime":1256.602,"endTime":1256.832,"body":"on"},{"speaker":"Matt","startTime":1256.832,"endTime":1257.142,"body":"July"},{"speaker":"Matt","startTime":1257.182,"endTime":1257.812,"body":"31st."},{"speaker":"Matt","startTime":1258.337,"endTime":1258.617,"body":"if"},{"speaker":"Matt","startTime":1258.617,"endTime":1258.927,"body":"you"},{"speaker":"Matt","startTime":1258.937,"endTime":1259.627,"body":"are"},{"speaker":"Matt","startTime":1259.857,"endTime":1260.077,"body":"on"},{"speaker":"Matt","startTime":1260.077,"endTime":1260.187,"body":"an"},{"speaker":"Matt","startTime":1260.187,"endTime":1260.817,"body":"extension,"},{"speaker":"Matt","startTime":1260.817,"endTime":1260.977,"body":"you"},{"speaker":"Matt","startTime":1260.977,"endTime":1261.147,"body":"can"},{"speaker":"Matt","startTime":1261.147,"endTime":1261.337,"body":"do"},{"speaker":"Matt","startTime":1261.337,"endTime":1261.567,"body":"that,"},{"speaker":"Matt","startTime":1261.577,"endTime":1261.897,"body":"actually"},{"speaker":"Matt","startTime":1261.897,"endTime":1262.027,"body":"go"},{"speaker":"Matt","startTime":1262.027,"endTime":1262.207,"body":"out"},{"speaker":"Matt","startTime":1262.207,"endTime":1262.367,"body":"to"},{"speaker":"Matt","startTime":1262.367,"endTime":1262.817,"body":"October"},{"speaker":"Matt","startTime":1262.857,"endTime":1263.357,"body":"31st."},{"speaker":"Matt","startTime":1263.367,"endTime":1263.537,"body":"That's"},{"speaker":"Matt","startTime":1263.537,"endTime":1263.617,"body":"the"},{"speaker":"Matt","startTime":1263.617,"endTime":1264.127,"body":"extension"},{"speaker":"Matt","startTime":1264.127,"endTime":1264.247,"body":"for"},{"speaker":"Matt","startTime":1264.247,"endTime":1264.317,"body":"the"},{"speaker":"Matt","startTime":1264.317,"endTime":1265.187,"body":"5500s."},{"speaker":"Matt","startTime":1265.647,"endTime":1265.917,"body":"If"},{"speaker":"Matt","startTime":1265.917,"endTime":1266.067,"body":"you"},{"speaker":"Matt","startTime":1266.067,"endTime":1266.267,"body":"do"},{"speaker":"Matt","startTime":1266.267,"endTime":1266.507,"body":"not"},{"speaker":"Matt","startTime":1266.517,"endTime":1266.757,"body":"do"},{"speaker":"Matt","startTime":1266.757,"endTime":1267.067,"body":"that,"},{"speaker":"Matt","startTime":1267.077,"endTime":1267.257,"body":"the"},{"speaker":"Matt","startTime":1267.257,"endTime":1267.917,"body":"penalties"},{"speaker":"Matt","startTime":1267.927,"endTime":1268.987,"body":"are"},{"speaker":"Matt","startTime":1269.817,"endTime":1270.057,"body":"bumped"},{"speaker":"Matt","startTime":1270.057,"endTime":1270.217,"body":"up"},{"speaker":"Matt","startTime":1270.217,"endTime":1270.357,"body":"to"},{"speaker":"Matt","startTime":1270.387,"endTime":1270.907,"body":"$750"},{"speaker":"Matt","startTime":1270.907,"endTime":1270.917,"body":"a"},{"speaker":"Matt","startTime":1270.947,"endTime":1271.607,"body":"year"},{"speaker":"Matt","startTime":1271.607,"endTime":1271.767,"body":"with"},{"speaker":"Matt","startTime":1271.767,"endTime":1271.827,"body":"a"},{"speaker":"Matt","startTime":1271.827,"endTime":1272.127,"body":"cap"},{"speaker":"Matt","startTime":1272.127,"endTime":1272.487,"body":"of"},{"speaker":"Matt","startTime":1272.487,"endTime":1273.527,"body":"$1,500."},{"speaker":"Matt","startTime":1273.547,"endTime":1273.877,"body":"So"},{"speaker":"Matt","startTime":1274.117,"endTime":1274.187,"body":"you"},{"speaker":"Matt","startTime":1274.197,"endTime":1274.657,"body":"basically"},{"speaker":"Matt","startTime":1274.657,"endTime":1274.847,"body":"have"},{"speaker":"Matt","startTime":1274.847,"endTime":1274.917,"body":"to"},{"speaker":"Matt","startTime":1274.917,"endTime":1275.027,"body":"do"},{"speaker":"Matt","startTime":1275.027,"endTime":1275.177,"body":"that"},{"speaker":"Matt","startTime":1275.177,"endTime":1275.277,"body":"for"},{"speaker":"Matt","startTime":1275.277,"endTime":1275.447,"body":"two"},{"speaker":"Matt","startTime":1275.447,"endTime":1275.777,"body":"years"},{"speaker":"Matt","startTime":1275.777,"endTime":1275.907,"body":"if"},{"speaker":"Matt","startTime":1275.907,"endTime":1276.077,"body":"you've"},{"speaker":"Matt","startTime":1276.077,"endTime":1276.347,"body":"missed"},{"speaker":"Matt","startTime":1276.347,"endTime":1276.487,"body":"a"},{"speaker":"Matt","startTime":1276.837,"endTime":1277.017,"body":"couple"},{"speaker":"Matt","startTime":1277.017,"endTime":1277.037,"body":"of"},{"speaker":"Matt","startTime":1277.047,"endTime":1277.347,"body":"years."},{"speaker":"Matt","startTime":1277.547,"endTime":1277.857,"body":"That"},{"speaker":"Matt","startTime":1277.857,"endTime":1278.127,"body":"comes"},{"speaker":"Matt","startTime":1278.127,"endTime":1278.337,"body":"into"},{"speaker":"Matt","startTime":1278.337,"endTime":1278.877,"body":"play"},{"speaker":"Matt","startTime":1279.417,"endTime":1280.447,"body":"mostly"},{"speaker":"Matt","startTime":1280.497,"endTime":1280.717,"body":"if"},{"speaker":"Matt","startTime":1280.717,"endTime":1280.827,"body":"you"},{"speaker":"Matt","startTime":1280.837,"endTime":1281.047,"body":"had"},{"speaker":"Matt","startTime":1281.047,"endTime":1281.077,"body":"a"},{"speaker":"Matt","startTime":1281.077,"endTime":1281.117,"body":"solo"},{"speaker":"Matt","startTime":1281.117,"endTime":1283.327,"body":"401k"},{"speaker":"Matt","startTime":1283.807,"endTime":1284.297,"body":"and"},{"speaker":"Matt","startTime":1284.307,"endTime":1284.467,"body":"you"},{"speaker":"Matt","startTime":1284.467,"endTime":1284.927,"body":"breached"},{"speaker":"Matt","startTime":1284.937,"endTime":1285.317,"body":"that"},{"speaker":"Matt","startTime":1285.697,"endTime":1287.267,"body":"$250,000"},{"speaker":"Matt","startTime":1287.287,"endTime":1287.737,"body":"level"},{"speaker":"Matt","startTime":1288.247,"endTime":1288.427,"body":"which"},{"speaker":"Matt","startTime":1288.437,"endTime":1288.547,"body":"if"},{"speaker":"Matt","startTime":1288.557,"endTime":1288.647,"body":"you"},{"speaker":"Matt","startTime":1288.647,"endTime":1288.847,"body":"don't"},{"speaker":"Matt","startTime":1288.847,"endTime":1289.317,"body":"know,"},{"speaker":"Matt","startTime":1289.447,"endTime":1289.617,"body":"you"},{"speaker":"Matt","startTime":1289.617,"endTime":1289.817,"body":"don't"},{"speaker":"Matt","startTime":1289.817,"endTime":1290.007,"body":"really"},{"speaker":"Matt","startTime":1290.007,"endTime":1290.157,"body":"have"},{"speaker":"Matt","startTime":1290.157,"endTime":1290.247,"body":"to"},{"speaker":"Matt","startTime":1290.247,"endTime":1290.467,"body":"file"},{"speaker":"Matt","startTime":1290.467,"endTime":1290.517,"body":"a"},{"speaker":"Matt","startTime":1290.517,"endTime":1291.227,"body":"5500"},{"speaker":"Matt","startTime":1291.247,"endTime":1291.347,"body":"on"},{"speaker":"Matt","startTime":1291.347,"endTime":1291.387,"body":"a"},{"speaker":"Matt","startTime":1291.387,"endTime":1291.677,"body":"solo"},{"speaker":"Matt","startTime":1291.677,"endTime":1292.177,"body":"401k"},{"speaker":"Matt","startTime":1292.177,"endTime":1292.397,"body":"until"},{"speaker":"Matt","startTime":1292.397,"endTime":1292.527,"body":"you"},{"speaker":"Matt","startTime":1292.527,"endTime":1292.777,"body":"reach"},{"speaker":"Matt","startTime":1292.777,"endTime":1294.007,"body":"$250,000"},{"speaker":"Matt","startTime":1294.027,"endTime":1294.147,"body":"in"},{"speaker":"Matt","startTime":1294.147,"endTime":1294.277,"body":"your"},{"speaker":"Matt","startTime":1294.277,"endTime":1294.687,"body":"plan."},{"speaker":"Matt","startTime":1295.197,"endTime":1295.597,"body":"And"},{"speaker":"Matt","startTime":1295.607,"endTime":1295.837,"body":"we've"},{"speaker":"Matt","startTime":1295.837,"endTime":1296.067,"body":"had"},{"speaker":"Matt","startTime":1296.067,"endTime":1296.227,"body":"some"},{"speaker":"Matt","startTime":1296.227,"endTime":1296.547,"body":"folks"},{"speaker":"Matt","startTime":1296.547,"endTime":1296.697,"body":"where"},{"speaker":"Matt","startTime":1296.697,"endTime":1297.017,"body":"they"},{"speaker":"Matt","startTime":1297.097,"endTime":1297.467,"body":"breached"},{"speaker":"Matt","startTime":1297.467,"endTime":1297.667,"body":"that"},{"speaker":"Matt","startTime":1297.667,"endTime":1298.227,"body":"250"},{"speaker":"Matt","startTime":1298.227,"endTime":1298.257,"body":"a"},{"speaker":"Matt","startTime":1298.257,"endTime":1298.457,"body":"few"},{"speaker":"Matt","startTime":1298.457,"endTime":1298.697,"body":"years"},{"speaker":"Matt","startTime":1298.697,"endTime":1299.047,"body":"ago"},{"speaker":"Matt","startTime":1299.047,"endTime":1299.177,"body":"and"},{"speaker":"Matt","startTime":1299.177,"endTime":1299.267,"body":"they"},{"speaker":"Matt","startTime":1299.267,"endTime":1299.597,"body":"forgot"},{"speaker":"Matt","startTime":1299.597,"endTime":1299.687,"body":"to"},{"speaker":"Matt","startTime":1299.687,"endTime":1299.877,"body":"file"},{"speaker":"Matt","startTime":1299.877,"endTime":1299.977,"body":"the"},{"speaker":"Matt","startTime":1299.977,"endTime":1300.797,"body":"5500"},{"speaker":"Matt","startTime":1301.097,"endTime":1301.267,"body":"on"},{"speaker":"Matt","startTime":1301.267,"endTime":1301.417,"body":"like"},{"speaker":"Matt","startTime":1301.417,"endTime":1301.487,"body":"a"},{"speaker":"Matt","startTime":1301.497,"endTime":1301.757,"body":"self"},{"speaker":"Matt","startTime":1301.757,"endTime":1302.207,"body":"directed"},{"speaker":"Matt","startTime":1302.247,"endTime":1302.767,"body":"solo."},{"speaker":"Matt","startTime":1302.977,"endTime":1303.117,"body":"So"},{"speaker":"Matt","startTime":1303.117,"endTime":1303.197,"body":"we"},{"speaker":"Matt","startTime":1303.197,"endTime":1303.287,"body":"have"},{"speaker":"Matt","startTime":1303.287,"endTime":1303.347,"body":"to"},{"speaker":"Matt","startTime":1303.347,"endTime":1303.437,"body":"go"},{"speaker":"Matt","startTime":1303.437,"endTime":1303.877,"body":"back,"},{"speaker":"Matt","startTime":1304.137,"endTime":1304.367,"body":"fix"},{"speaker":"Matt","startTime":1304.367,"endTime":1304.557,"body":"that"},{"speaker":"Matt","startTime":1304.557,"endTime":1304.797,"body":"for"},{"speaker":"Matt","startTime":1304.797,"endTime":1304.987,"body":"them."},{"speaker":"Matt","startTime":1305.197,"endTime":1305.317,"body":"and"},{"speaker":"Matt","startTime":1305.317,"endTime":1305.387,"body":"they"},{"speaker":"Matt","startTime":1305.397,"endTime":1305.567,"body":"have"},{"speaker":"Matt","startTime":1305.567,"endTime":1305.647,"body":"to"},{"speaker":"Matt","startTime":1305.647,"endTime":1306.407,"body":"unfortunately,"},{"speaker":"Matt","startTime":1306.457,"endTime":1306.637,"body":"pay"},{"speaker":"Matt","startTime":1306.637,"endTime":1306.917,"body":"that"},{"speaker":"Matt","startTime":1307.027,"endTime":1307.717,"body":"$1,500"},{"speaker":"Matt","startTime":1307.737,"endTime":1308.047,"body":"penalty"},{"speaker":"Matt","startTime":1308.047,"endTime":1308.287,"body":"along"},{"speaker":"Matt","startTime":1308.287,"endTime":1308.447,"body":"with"},{"speaker":"Matt","startTime":1308.447,"endTime":1308.597,"body":"it."},{"speaker":"Matt","startTime":1308.607,"endTime":1308.947,"body":"So,"},{"speaker":"Matt","startTime":1309.247,"endTime":1309.557,"body":"that"},{"speaker":"Matt","startTime":1309.587,"endTime":1309.897,"body":"is"},{"speaker":"Matt","startTime":1309.897,"endTime":1310.187,"body":"coming"},{"speaker":"Matt","startTime":1310.187,"endTime":1310.457,"body":"up."},{"speaker":"Matt","startTime":1310.617,"endTime":1310.767,"body":"If"},{"speaker":"Matt","startTime":1310.767,"endTime":1310.887,"body":"you"},{"speaker":"Matt","startTime":1310.897,"endTime":1311.157,"body":"have"},{"speaker":"Matt","startTime":1311.297,"endTime":1311.707,"body":"over"},{"speaker":"Matt","startTime":1311.707,"endTime":1313.097,"body":"$250,000"},{"speaker":"Matt","startTime":1313.117,"endTime":1313.137,"body":"in"},{"speaker":"Matt","startTime":1313.137,"endTime":1313.297,"body":"your"},{"speaker":"Matt","startTime":1313.297,"endTime":1313.787,"body":"solo"},{"speaker":"Matt","startTime":1313.787,"endTime":1314.517,"body":"401k,"},{"speaker":"Matt","startTime":1314.867,"endTime":1315.027,"body":"it"},{"speaker":"Matt","startTime":1315.027,"endTime":1315.217,"body":"is"},{"speaker":"Matt","startTime":1315.237,"endTime":1315.507,"body":"time"},{"speaker":"Matt","startTime":1315.507,"endTime":1315.597,"body":"to"},{"speaker":"Matt","startTime":1315.597,"endTime":1315.857,"body":"file"},{"speaker":"Matt","startTime":1315.857,"endTime":1316.487,"body":"a"},{"speaker":"Matt","startTime":1316.487,"endTime":1316.757,"body":"5500."},{"speaker":"Evon","startTime":1317.252,"endTime":1317.932,"body":"Yes,"},{"speaker":"Evon","startTime":1318.082,"endTime":1318.342,"body":"for"},{"speaker":"Evon","startTime":1318.342,"endTime":1318.682,"body":"solo"},{"speaker":"Evon","startTime":1318.682,"endTime":1319.332,"body":"401ks,"},{"speaker":"Evon","startTime":1319.332,"endTime":1319.452,"body":"this"},{"speaker":"Evon","startTime":1319.462,"endTime":1319.632,"body":"is"},{"speaker":"Evon","startTime":1319.632,"endTime":1320.072,"body":"really"},{"speaker":"Evon","startTime":1320.072,"endTime":1320.412,"body":"easy"},{"speaker":"Evon","startTime":1320.412,"endTime":1320.612,"body":"to"},{"speaker":"Evon","startTime":1320.612,"endTime":1321.082,"body":"forget"},{"speaker":"Evon","startTime":1321.092,"endTime":1321.282,"body":"or"},{"speaker":"Evon","startTime":1321.282,"endTime":1321.522,"body":"just"},{"speaker":"Evon","startTime":1321.532,"endTime":1321.832,"body":"not"},{"speaker":"Evon","startTime":1321.842,"endTime":1322.102,"body":"know"},{"speaker":"Evon","startTime":1322.102,"endTime":1322.282,"body":"that"},{"speaker":"Evon","startTime":1322.282,"endTime":1322.392,"body":"you"},{"speaker":"Evon","startTime":1322.392,"endTime":1322.572,"body":"need"},{"speaker":"Evon","startTime":1322.572,"endTime":1322.652,"body":"to"},{"speaker":"Evon","startTime":1322.652,"endTime":1322.842,"body":"do"},{"speaker":"Evon","startTime":1322.842,"endTime":1323.112,"body":"this."},{"speaker":"Evon","startTime":1323.122,"endTime":1323.482,"body":"So,"},{"speaker":"Evon","startTime":1324.022,"endTime":1324.162,"body":"you"},{"speaker":"Evon","startTime":1324.162,"endTime":1324.322,"body":"hear"},{"speaker":"Evon","startTime":1324.322,"endTime":1324.372,"body":"a"},{"speaker":"Evon","startTime":1324.372,"endTime":1324.692,"body":"lot"},{"speaker":"Evon","startTime":1324.692,"endTime":1325.232,"body":"about"},{"speaker":"Evon","startTime":1325.242,"endTime":1325.662,"body":"the"},{"speaker":"Evon","startTime":1325.732,"endTime":1326.142,"body":"benefits"},{"speaker":"Evon","startTime":1326.142,"endTime":1326.262,"body":"of"},{"speaker":"Evon","startTime":1326.262,"endTime":1326.342,"body":"the"},{"speaker":"Evon","startTime":1326.342,"endTime":1326.582,"body":"solo"},{"speaker":"Evon","startTime":1326.582,"endTime":1327.172,"body":"401k"},{"speaker":"Evon","startTime":1327.172,"endTime":1327.542,"body":"plan"},{"speaker":"Evon","startTime":1327.542,"endTime":1327.942,"body":"for"},{"speaker":"Evon","startTime":1327.952,"endTime":1328.442,"body":"independent"},{"speaker":"Evon","startTime":1328.442,"endTime":1329.132,"body":"contractor"},{"speaker":"Evon","startTime":1329.132,"endTime":1330.272,"body":"1099"},{"speaker":"Evon","startTime":1330.272,"endTime":1330.557,"body":"ODs."},{"speaker":"Evon","startTime":1331.977,"endTime":1332.727,"body":"Potentially"},{"speaker":"Evon","startTime":1332.727,"endTime":1332.997,"body":"sub"},{"speaker":"Evon","startTime":1332.997,"endTime":1333.207,"body":"lease"},{"speaker":"Evon","startTime":1333.207,"endTime":1333.557,"body":"owners"},{"speaker":"Evon","startTime":1333.557,"endTime":1334.037,"body":"without"},{"speaker":"Evon","startTime":1334.137,"endTime":1334.537,"body":"W"},{"speaker":"Evon","startTime":1334.537,"endTime":1334.647,"body":"2"},{"speaker":"Evon","startTime":1334.647,"endTime":1335.337,"body":"employees,"},{"speaker":"Evon","startTime":1335.677,"endTime":1336.067,"body":"but"},{"speaker":"Evon","startTime":1336.077,"endTime":1336.347,"body":"you"},{"speaker":"Evon","startTime":1336.347,"endTime":1336.497,"body":"do"},{"speaker":"Evon","startTime":1336.497,"endTime":1336.757,"body":"not"},{"speaker":"Evon","startTime":1336.757,"endTime":1336.957,"body":"want"},{"speaker":"Evon","startTime":1336.957,"endTime":1337.077,"body":"to"},{"speaker":"Evon","startTime":1337.077,"endTime":1337.337,"body":"miss"},{"speaker":"Evon","startTime":1337.337,"endTime":1337.547,"body":"that"},{"speaker":"Evon","startTime":1337.547,"endTime":1337.957,"body":"deadline."},{"speaker":"Evon","startTime":1337.967,"endTime":1338.087,"body":"It"},{"speaker":"Evon","startTime":1338.087,"endTime":1338.197,"body":"is"},{"speaker":"Evon","startTime":1338.197,"endTime":1338.867,"body":"expensive,"},{"speaker":"Evon","startTime":1338.877,"endTime":1338.897,"body":"it"},{"speaker":"Evon","startTime":1338.907,"endTime":1339.217,"body":"is"},{"speaker":"Evon","startTime":1339.227,"endTime":1339.697,"body":"not"},{"speaker":"Evon","startTime":1339.767,"endTime":1340.187,"body":"a"},{"speaker":"Evon","startTime":1340.227,"endTime":1340.827,"body":"crazy"},{"speaker":"Evon","startTime":1340.827,"endTime":1341.447,"body":"complicated"},{"speaker":"Evon","startTime":1341.447,"endTime":1341.657,"body":"form"},{"speaker":"Evon","startTime":1341.657,"endTime":1341.727,"body":"to"},{"speaker":"Evon","startTime":1341.727,"endTime":1341.957,"body":"fill"},{"speaker":"Evon","startTime":1341.957,"endTime":1342.227,"body":"out,"},{"speaker":"Evon","startTime":1342.567,"endTime":1342.977,"body":"or"},{"speaker":"Evon","startTime":1342.977,"endTime":1343.157,"body":"if"},{"speaker":"Evon","startTime":1343.157,"endTime":1343.277,"body":"you"},{"speaker":"Evon","startTime":1343.277,"endTime":1343.527,"body":"need"},{"speaker":"Evon","startTime":1343.527,"endTime":1344.017,"body":"to"},{"speaker":"Evon","startTime":1344.447,"endTime":1344.737,"body":"talk"},{"speaker":"Evon","startTime":1344.737,"endTime":1344.927,"body":"with"},{"speaker":"Evon","startTime":1344.927,"endTime":1345.327,"body":"your"},{"speaker":"Evon","startTime":1346.237,"endTime":1346.537,"body":"tax"},{"speaker":"Evon","startTime":1346.537,"endTime":1347.027,"body":"professional,"},{"speaker":"Evon","startTime":1347.027,"endTime":1347.227,"body":"maybe"},{"speaker":"Evon","startTime":1347.227,"endTime":1347.327,"body":"they"},{"speaker":"Evon","startTime":1347.327,"endTime":1347.447,"body":"can"},{"speaker":"Evon","startTime":1347.447,"endTime":1347.637,"body":"help"},{"speaker":"Evon","startTime":1347.637,"endTime":1347.687,"body":"you"},{"speaker":"Evon","startTime":1347.687,"endTime":1347.847,"body":"with"},{"speaker":"Evon","startTime":1347.847,"endTime":1348.107,"body":"that."},{"speaker":"Evon","startTime":1348.377,"endTime":1348.867,"body":"Assuming"},{"speaker":"Evon","startTime":1348.867,"endTime":1348.987,"body":"you"},{"speaker":"Evon","startTime":1348.987,"endTime":1349.237,"body":"don't"},{"speaker":"Evon","startTime":1349.247,"endTime":1349.557,"body":"have"},{"speaker":"Evon","startTime":1349.557,"endTime":1349.617,"body":"a"},{"speaker":"Evon","startTime":1349.617,"endTime":1349.887,"body":"plan"},{"speaker":"Evon","startTime":1349.887,"endTime":1350.567,"body":"administrator"},{"speaker":"Evon","startTime":1350.567,"endTime":1351.107,"body":"involved"},{"speaker":"Evon","startTime":1351.137,"endTime":1351.227,"body":"with"},{"speaker":"Evon","startTime":1351.227,"endTime":1351.327,"body":"the"},{"speaker":"Evon","startTime":1351.327,"endTime":1351.607,"body":"solo"},{"speaker":"Evon","startTime":1351.607,"endTime":1352.177,"body":"401k,"},{"speaker":"Evon","startTime":1352.177,"endTime":1352.437,"body":"but"},{"speaker":"Evon","startTime":1353.162,"endTime":1353.582,"body":"Certainly"},{"speaker":"Evon","startTime":1353.582,"endTime":1353.722,"body":"just"},{"speaker":"Evon","startTime":1353.722,"endTime":1354.002,"body":"something"},{"speaker":"Evon","startTime":1354.002,"endTime":1354.072,"body":"you"},{"speaker":"Evon","startTime":1354.072,"endTime":1354.182,"body":"don't"},{"speaker":"Evon","startTime":1354.182,"endTime":1354.292,"body":"want"},{"speaker":"Evon","startTime":1354.292,"endTime":1354.352,"body":"to"},{"speaker":"Evon","startTime":1354.352,"endTime":1354.692,"body":"forget."},{"speaker":"Evon","startTime":1354.832,"endTime":1355.152,"body":"So"},{"speaker":"Evon","startTime":1355.182,"endTime":1355.362,"body":"keep"},{"speaker":"Evon","startTime":1355.362,"endTime":1355.492,"body":"that"},{"speaker":"Evon","startTime":1355.492,"endTime":1355.582,"body":"in"},{"speaker":"Evon","startTime":1355.582,"endTime":1356.082,"body":"mind."},{"speaker":"Evon","startTime":1356.162,"endTime":1356.482,"body":"Time"},{"speaker":"Evon","startTime":1356.482,"endTime":1356.622,"body":"is"},{"speaker":"Evon","startTime":1356.642,"endTime":1356.822,"body":"of"},{"speaker":"Evon","startTime":1356.822,"endTime":1356.952,"body":"the"},{"speaker":"Evon","startTime":1356.952,"endTime":1357.282,"body":"essence"},{"speaker":"Evon","startTime":1357.292,"endTime":1357.422,"body":"for"},{"speaker":"Evon","startTime":1357.422,"endTime":1357.632,"body":"this"},{"speaker":"Evon","startTime":1357.632,"endTime":1357.932,"body":"year."},{"speaker":"Evon","startTime":1358.202,"endTime":1358.362,"body":"And"},{"speaker":"Evon","startTime":1358.362,"endTime":1358.492,"body":"then"},{"speaker":"Evon","startTime":1358.492,"endTime":1358.622,"body":"give"},{"speaker":"Evon","startTime":1358.622,"endTime":1359.002,"body":"yourself"},{"speaker":"Evon","startTime":1359.002,"endTime":1359.132,"body":"a"},{"speaker":"Evon","startTime":1359.132,"endTime":1359.672,"body":"reminder"},{"speaker":"Evon","startTime":1359.752,"endTime":1360.012,"body":"every"},{"speaker":"Evon","startTime":1360.012,"endTime":1360.122,"body":"year"},{"speaker":"Evon","startTime":1360.122,"endTime":1360.402,"body":"moving"},{"speaker":"Evon","startTime":1360.402,"endTime":1360.742,"body":"forward."},{"speaker":"Evon","startTime":1360.742,"endTime":1360.822,"body":"You"},{"speaker":"Evon","startTime":1360.822,"endTime":1360.942,"body":"know,"},{"speaker":"Evon","startTime":1360.942,"endTime":1361.092,"body":"this"},{"speaker":"Evon","startTime":1361.092,"endTime":1361.202,"body":"is"},{"speaker":"Evon","startTime":1361.202,"endTime":1361.462,"body":"something"},{"speaker":"Evon","startTime":1361.462,"endTime":1361.562,"body":"you"},{"speaker":"Evon","startTime":1361.562,"endTime":1361.742,"body":"got"},{"speaker":"Evon","startTime":1361.742,"endTime":1361.812,"body":"to"},{"speaker":"Evon","startTime":1361.812,"endTime":1361.972,"body":"do"},{"speaker":"Evon","startTime":1361.972,"endTime":1362.122,"body":"by"},{"speaker":"Evon","startTime":1362.122,"endTime":1362.292,"body":"that"},{"speaker":"Evon","startTime":1362.292,"endTime":1362.692,"body":"deadline."},{"speaker":"Matt","startTime":1362.828,"endTime":1363.158,"body":"Yeah,"},{"speaker":"Matt","startTime":1363.248,"endTime":1363.908,"body":"absolutely."},{"speaker":"Evon","startTime":1363.984,"endTime":1364.464,"body":"Perfect."},{"speaker":"Evon","startTime":1364.584,"endTime":1364.734,"body":"we"},{"speaker":"Evon","startTime":1364.734,"endTime":1364.944,"body":"covered"},{"speaker":"Evon","startTime":1364.944,"endTime":1364.984,"body":"a"},{"speaker":"Evon","startTime":1364.984,"endTime":1365.324,"body":"lot"},{"speaker":"Evon","startTime":1365.404,"endTime":1365.734,"body":"in"},{"speaker":"Evon","startTime":1365.734,"endTime":1365.774,"body":"a"},{"speaker":"Evon","startTime":1365.774,"endTime":1366.004,"body":"short"},{"speaker":"Evon","startTime":1366.004,"endTime":1366.174,"body":"amount"},{"speaker":"Evon","startTime":1366.174,"endTime":1366.224,"body":"of"},{"speaker":"Evon","startTime":1366.264,"endTime":1366.524,"body":"time,"},{"speaker":"Evon","startTime":1366.524,"endTime":1366.834,"body":"Matt."},{"speaker":"Evon","startTime":1366.904,"endTime":1367.384,"body":"Anything"},{"speaker":"Evon","startTime":1367.384,"endTime":1367.874,"body":"else"},{"speaker":"Evon","startTime":1367.904,"endTime":1368.104,"body":"we"},{"speaker":"Evon","startTime":1368.104,"endTime":1368.214,"body":"got"},{"speaker":"Evon","startTime":1368.214,"endTime":1368.284,"body":"to"},{"speaker":"Evon","startTime":1368.284,"endTime":1368.464,"body":"know"},{"speaker":"Evon","startTime":1368.464,"endTime":1368.744,"body":"about"},{"speaker":"Evon","startTime":1368.744,"endTime":1368.964,"body":"this"},{"speaker":"Evon","startTime":1368.964,"endTime":1369.324,"body":"year"},{"speaker":"Evon","startTime":1369.564,"endTime":1369.984,"body":"and"},{"speaker":"Evon","startTime":1369.984,"endTime":1370.264,"body":"beyond?"},{"speaker":"Matt","startTime":1370.528,"endTime":1370.638,"body":"I"},{"speaker":"Matt","startTime":1370.638,"endTime":1370.868,"body":"think,"},{"speaker":"Matt","startTime":1370.878,"endTime":1370.968,"body":"I"},{"speaker":"Matt","startTime":1370.968,"endTime":1371.198,"body":"think"},{"speaker":"Matt","startTime":1371.198,"endTime":1371.458,"body":"that's"},{"speaker":"Matt","startTime":1371.458,"endTime":1371.658,"body":"it."},{"speaker":"Matt","startTime":1371.678,"endTime":1371.778,"body":"You"},{"speaker":"Matt","startTime":1371.778,"endTime":1372.008,"body":"know,"},{"speaker":"Matt","startTime":1372.048,"endTime":1372.528,"body":"the,"},{"speaker":"Matt","startTime":1372.538,"endTime":1372.748,"body":"the"},{"speaker":"Matt","startTime":1372.748,"endTime":1373.038,"body":"biggest"},{"speaker":"Matt","startTime":1373.038,"endTime":1373.288,"body":"thing"},{"speaker":"Matt","startTime":1373.288,"endTime":1373.468,"body":"is,"},{"speaker":"Matt","startTime":1373.468,"endTime":1373.798,"body":"is"},{"speaker":"Matt","startTime":1373.828,"endTime":1374.168,"body":"don't,"},{"speaker":"Matt","startTime":1374.238,"endTime":1374.548,"body":"don't"},{"speaker":"Matt","startTime":1374.548,"endTime":1374.798,"body":"push"},{"speaker":"Matt","startTime":1374.808,"endTime":1375.248,"body":"back,"},{"speaker":"Matt","startTime":1375.298,"endTime":1375.568,"body":"those"},{"speaker":"Matt","startTime":1375.578,"endTime":1375.898,"body":"dates."},{"speaker":"Matt","startTime":1376.038,"endTime":1376.228,"body":"If"},{"speaker":"Matt","startTime":1376.228,"endTime":1376.368,"body":"you"},{"speaker":"Matt","startTime":1376.368,"endTime":1376.758,"body":"have"},{"speaker":"Matt","startTime":1376.788,"endTime":1377.668,"body":"questions"},{"speaker":"Matt","startTime":1378.168,"endTime":1378.618,"body":"about"},{"speaker":"Matt","startTime":1378.638,"endTime":1378.898,"body":"if"},{"speaker":"Matt","startTime":1378.898,"endTime":1379.008,"body":"a"},{"speaker":"Matt","startTime":1379.088,"endTime":1379.348,"body":"safe"},{"speaker":"Matt","startTime":1379.358,"endTime":1379.878,"body":"harbor"},{"speaker":"Matt","startTime":1379.958,"endTime":1380.488,"body":"is"},{"speaker":"Matt","startTime":1380.488,"endTime":1380.798,"body":"right"},{"speaker":"Matt","startTime":1380.808,"endTime":1381.068,"body":"for"},{"speaker":"Matt","startTime":1381.068,"endTime":1381.578,"body":"you,"},{"speaker":"Matt","startTime":1381.968,"endTime":1382.408,"body":"just"},{"speaker":"Matt","startTime":1382.418,"endTime":1382.748,"body":"ask"},{"speaker":"Matt","startTime":1382.798,"endTime":1383.028,"body":"that"},{"speaker":"Matt","startTime":1383.028,"endTime":1383.498,"body":"question."},{"speaker":"Matt","startTime":1383.888,"endTime":1384.288,"body":"There's"},{"speaker":"Matt","startTime":1384.878,"endTime":1385.078,"body":"the"},{"speaker":"Matt","startTime":1385.088,"endTime":1385.408,"body":"best"},{"speaker":"Matt","startTime":1385.408,"endTime":1385.628,"body":"thing"},{"speaker":"Matt","startTime":1385.628,"endTime":1385.718,"body":"I"},{"speaker":"Matt","startTime":1385.738,"endTime":1385.928,"body":"can,"},{"speaker":"Matt","startTime":1385.988,"endTime":1386.158,"body":"the"},{"speaker":"Matt","startTime":1386.168,"endTime":1386.528,"body":"best"},{"speaker":"Matt","startTime":1386.528,"endTime":1386.698,"body":"way"},{"speaker":"Matt","startTime":1386.698,"endTime":1386.788,"body":"to"},{"speaker":"Matt","startTime":1386.788,"endTime":1387.278,"body":"explain"},{"speaker":"Matt","startTime":1387.278,"endTime":1387.398,"body":"what"},{"speaker":"Matt","startTime":1387.398,"endTime":1387.468,"body":"a"},{"speaker":"Matt","startTime":1387.468,"endTime":1387.668,"body":"safe"},{"speaker":"Matt","startTime":1387.718,"endTime":1388.018,"body":"harbor"},{"speaker":"Matt","startTime":1388.018,"endTime":1388.348,"body":"is,"},{"speaker":"Matt","startTime":1388.648,"endTime":1388.818,"body":"they"},{"speaker":"Matt","startTime":1388.818,"endTime":1389.038,"body":"are"},{"speaker":"Matt","startTime":1389.078,"endTime":1389.438,"body":"pre"},{"speaker":"Matt","startTime":1389.438,"endTime":1390.228,"body":"approved"},{"speaker":"Matt","startTime":1390.623,"endTime":1391.213,"body":"matching"},{"speaker":"Matt","startTime":1391.213,"endTime":1391.783,"body":"investing"},{"speaker":"Matt","startTime":1391.783,"endTime":1392.333,"body":"schedules"},{"speaker":"Matt","startTime":1392.333,"endTime":1392.443,"body":"that"},{"speaker":"Matt","startTime":1392.453,"endTime":1392.563,"body":"the"},{"speaker":"Matt","startTime":1392.563,"endTime":1393.013,"body":"IRS"},{"speaker":"Matt","startTime":1393.033,"endTime":1393.513,"body":"says,"},{"speaker":"Matt","startTime":1393.913,"endTime":1394.423,"body":"yes,"},{"speaker":"Matt","startTime":1394.533,"endTime":1394.743,"body":"this"},{"speaker":"Matt","startTime":1394.743,"endTime":1394.883,"body":"is"},{"speaker":"Matt","startTime":1394.883,"endTime":1395.103,"body":"now"},{"speaker":"Matt","startTime":1395.103,"endTime":1395.243,"body":"a"},{"speaker":"Matt","startTime":1395.273,"endTime":1395.703,"body":"fair"},{"speaker":"Matt","startTime":1395.703,"endTime":1396.113,"body":"plan"},{"speaker":"Matt","startTime":1396.113,"endTime":1396.223,"body":"to"},{"speaker":"Matt","startTime":1396.223,"endTime":1396.323,"body":"your"},{"speaker":"Matt","startTime":1396.323,"endTime":1397.233,"body":"employees."},{"speaker":"Matt","startTime":1397.913,"endTime":1398.193,"body":"You"},{"speaker":"Matt","startTime":1398.193,"endTime":1398.343,"body":"can"},{"speaker":"Matt","startTime":1398.343,"endTime":1398.553,"body":"now"},{"speaker":"Matt","startTime":1398.573,"endTime":1398.953,"body":"max"},{"speaker":"Matt","startTime":1398.953,"endTime":1399.163,"body":"out."},{"speaker":"Matt","startTime":1399.203,"endTime":1399.383,"body":"If"},{"speaker":"Matt","startTime":1399.383,"endTime":1399.533,"body":"you"},{"speaker":"Matt","startTime":1399.533,"endTime":1399.783,"body":"want"},{"speaker":"Matt","startTime":1399.783,"endTime":1399.863,"body":"to"},{"speaker":"Matt","startTime":1399.873,"endTime":1400.283,"body":"max"},{"speaker":"Matt","startTime":1400.283,"endTime":1400.633,"body":"out"},{"speaker":"Matt","startTime":1400.723,"endTime":1400.873,"body":"and"},{"speaker":"Matt","startTime":1400.883,"endTime":1401.063,"body":"you"},{"speaker":"Matt","startTime":1401.073,"endTime":1401.343,"body":"have"},{"speaker":"Matt","startTime":1401.343,"endTime":1402.053,"body":"employees,"},{"speaker":"Matt","startTime":1402.823,"endTime":1403.403,"body":"nine"},{"speaker":"Matt","startTime":1403.433,"endTime":1403.913,"body":"times"},{"speaker":"Matt","startTime":1403.913,"endTime":1404.083,"body":"out"},{"speaker":"Matt","startTime":1404.083,"endTime":1404.243,"body":"of"},{"speaker":"Matt","startTime":1404.253,"endTime":1404.623,"body":"nine,"},{"speaker":"Matt","startTime":1404.623,"endTime":1404.783,"body":"it's"},{"speaker":"Matt","startTime":1404.783,"endTime":1404.933,"body":"going"},{"speaker":"Matt","startTime":1404.933,"endTime":1404.993,"body":"to"},{"speaker":"Matt","startTime":1405.003,"endTime":1405.173,"body":"be"},{"speaker":"Matt","startTime":1405.173,"endTime":1405.273,"body":"a"},{"speaker":"Matt","startTime":1405.273,"endTime":1405.573,"body":"safe"},{"speaker":"Matt","startTime":1405.573,"endTime":1405.883,"body":"harbor"},{"speaker":"Matt","startTime":1405.893,"endTime":1406.313,"body":"401k."},{"speaker":"Evon","startTime":1406.903,"endTime":1407.183,"body":"Yeah,"},{"speaker":"Evon","startTime":1407.233,"endTime":1407.613,"body":"simply"},{"speaker":"Evon","startTime":1407.613,"endTime":1408.093,"body":"because"},{"speaker":"Evon","startTime":1408.113,"endTime":1408.283,"body":"the"},{"speaker":"Evon","startTime":1408.283,"endTime":1408.743,"body":"owners"},{"speaker":"Evon","startTime":1408.743,"endTime":1408.813,"body":"are"},{"speaker":"Evon","startTime":1408.813,"endTime":1409.083,"body":"really"},{"speaker":"Evon","startTime":1409.083,"endTime":1409.203,"body":"the"},{"speaker":"Evon","startTime":1409.203,"endTime":1409.593,"body":"ones"},{"speaker":"Evon","startTime":1409.593,"endTime":1409.873,"body":"that,"},{"speaker":"Evon","startTime":1409.883,"endTime":1410.303,"body":"and"},{"speaker":"Evon","startTime":1410.303,"endTime":1410.383,"body":"the"},{"speaker":"Evon","startTime":1410.383,"endTime":1410.853,"body":"associate"},{"speaker":"Evon","startTime":1410.863,"endTime":1411.333,"body":"doctors"},{"speaker":"Evon","startTime":1411.333,"endTime":1411.403,"body":"are"},{"speaker":"Evon","startTime":1411.403,"endTime":1411.623,"body":"really"},{"speaker":"Evon","startTime":1411.623,"endTime":1411.743,"body":"the"},{"speaker":"Evon","startTime":1411.743,"endTime":1412.043,"body":"ones"},{"speaker":"Evon","startTime":1412.043,"endTime":1412.303,"body":"that"},{"speaker":"Evon","startTime":1412.663,"endTime":1413.363,"body":"benefit"},{"speaker":"Evon","startTime":1413.373,"endTime":1413.533,"body":"and"},{"speaker":"Evon","startTime":1413.543,"endTime":1413.813,"body":"use"},{"speaker":"Evon","startTime":1413.813,"endTime":1413.913,"body":"the"},{"speaker":"Evon","startTime":1413.913,"endTime":1414.183,"body":"plan"},{"speaker":"Evon","startTime":1414.183,"endTime":1414.263,"body":"the"},{"speaker":"Evon","startTime":1414.263,"endTime":1414.643,"body":"most."},{"speaker":"Evon","startTime":1414.663,"endTime":1414.713,"body":"I"},{"speaker":"Evon","startTime":1414.713,"endTime":1414.793,"body":"mean,"},{"speaker":"Evon","startTime":1414.793,"endTime":1414.953,"body":"it's"},{"speaker":"Evon","startTime":1414.953,"endTime":1415.253,"body":"just"},{"speaker":"Evon","startTime":1415.273,"endTime":1415.703,"body":"simply"},{"speaker":"Evon","startTime":1415.703,"endTime":1415.763,"body":"a"},{"speaker":"Evon","startTime":1415.763,"endTime":1416.093,"body":"matter"},{"speaker":"Evon","startTime":1416.093,"endTime":1416.323,"body":"of,"},{"speaker":"Evon","startTime":1416.713,"endTime":1416.973,"body":"how"},{"speaker":"Evon","startTime":1416.973,"endTime":1417.333,"body":"much,"},{"speaker":"Evon","startTime":1417.343,"endTime":1417.433,"body":"you"},{"speaker":"Evon","startTime":1417.433,"endTime":1417.663,"body":"know,"},{"speaker":"Evon","startTime":1417.673,"endTime":1418.233,"body":"differences"},{"speaker":"Evon","startTime":1418.243,"endTime":1418.363,"body":"in"},{"speaker":"Evon","startTime":1418.363,"endTime":1418.893,"body":"salaries"},{"speaker":"Evon","startTime":1418.903,"endTime":1419.023,"body":"and"},{"speaker":"Evon","startTime":1419.023,"endTime":1419.403,"body":"income"},{"speaker":"Evon","startTime":1419.403,"endTime":1419.583,"body":"and"},{"speaker":"Evon","startTime":1419.583,"endTime":1419.713,"body":"how"},{"speaker":"Evon","startTime":1419.713,"endTime":1419.953,"body":"much"},{"speaker":"Evon","startTime":1419.993,"endTime":1420.213,"body":"each"},{"speaker":"Evon","startTime":1420.233,"endTime":1420.673,"body":"person"},{"speaker":"Evon","startTime":1420.683,"endTime":1421.153,"body":"wants"},{"speaker":"Evon","startTime":1421.153,"endTime":1421.303,"body":"to"},{"speaker":"Evon","startTime":1421.303,"endTime":1421.463,"body":"put"},{"speaker":"Evon","startTime":1421.463,"endTime":1421.623,"body":"into"},{"speaker":"Evon","startTime":1421.623,"endTime":1421.723,"body":"the"},{"speaker":"Evon","startTime":1421.723,"endTime":1422.043,"body":"plan."},{"speaker":"Evon","startTime":1422.043,"endTime":1422.353,"body":"So,"},{"speaker":"Evon","startTime":1422.763,"endTime":1422.933,"body":"that"},{"speaker":"Evon","startTime":1422.933,"endTime":1423.033,"body":"is"},{"speaker":"Evon","startTime":1423.033,"endTime":1423.393,"body":"usually"},{"speaker":"Evon","startTime":1423.393,"endTime":1423.503,"body":"the"},{"speaker":"Evon","startTime":1423.503,"endTime":1423.963,"body":"case."},{"speaker":"Evon","startTime":1424.923,"endTime":1425.103,"body":"I"},{"speaker":"Evon","startTime":1425.103,"endTime":1425.253,"body":"will"},{"speaker":"Evon","startTime":1425.253,"endTime":1425.523,"body":"throw"},{"speaker":"Evon","startTime":1425.523,"endTime":1425.623,"body":"in"},{"speaker":"Evon","startTime":1425.623,"endTime":1425.853,"body":"again"},{"speaker":"Evon","startTime":1425.863,"endTime":1426.133,"body":"all"},{"speaker":"Evon","startTime":1426.133,"endTime":1426.293,"body":"of"},{"speaker":"Evon","startTime":1426.293,"endTime":1426.703,"body":"the"},{"speaker":"Evon","startTime":1426.723,"endTime":1427.063,"body":"links"},{"speaker":"Evon","startTime":1427.063,"endTime":1427.223,"body":"to"},{"speaker":"Evon","startTime":1427.223,"endTime":1427.443,"body":"our"},{"speaker":"Evon","startTime":1427.463,"endTime":1427.773,"body":"past"},{"speaker":"Evon","startTime":1427.773,"endTime":1428.483,"body":"conversations,"},{"speaker":"Evon","startTime":1428.483,"endTime":1428.713,"body":"Matt,"},{"speaker":"Evon","startTime":1428.723,"endTime":1428.963,"body":"into"},{"speaker":"Evon","startTime":1428.963,"endTime":1429.073,"body":"the"},{"speaker":"Evon","startTime":1429.073,"endTime":1429.303,"body":"show"},{"speaker":"Evon","startTime":1429.303,"endTime":1429.693,"body":"notes,"},{"speaker":"Evon","startTime":1429.963,"endTime":1430.183,"body":"as"},{"speaker":"Evon","startTime":1430.183,"endTime":1430.403,"body":"well"},{"speaker":"Evon","startTime":1430.403,"endTime":1430.533,"body":"as"},{"speaker":"Evon","startTime":1430.543,"endTime":1430.783,"body":"some"},{"speaker":"Evon","startTime":1430.783,"endTime":1431.193,"body":"episodes"},{"speaker":"Evon","startTime":1431.243,"endTime":1431.543,"body":"I've"},{"speaker":"Evon","startTime":1431.543,"endTime":1431.863,"body":"done"},{"speaker":"Evon","startTime":1431.863,"endTime":1432.573,"body":"specifically"},{"speaker":"Evon","startTime":1432.583,"endTime":1432.843,"body":"on"},{"speaker":"Evon","startTime":1432.843,"endTime":1432.963,"body":"the"},{"speaker":"Evon","startTime":1432.963,"endTime":1433.443,"body":"SECURE"},{"speaker":"Evon","startTime":1433.443,"endTime":1433.933,"body":"Act,"},{"speaker":"Evon","startTime":1434.043,"endTime":1434.573,"body":"especially"},{"speaker":"Evon","startTime":1434.583,"endTime":1434.893,"body":"SECURE"},{"speaker":"Evon","startTime":1434.893,"endTime":1435.043,"body":"Act"},{"speaker":"Evon","startTime":1435.043,"endTime":1435.613,"body":"2."},{"speaker":"Evon","startTime":1435.614,"endTime":1436.003,"body":"0."},{"speaker":"Evon","startTime":1436.003,"endTime":1436.423,"body":"So,"},{"speaker":"Evon","startTime":1436.453,"endTime":1436.953,"body":"listeners,"},{"speaker":"Evon","startTime":1436.953,"endTime":1437.073,"body":"you"},{"speaker":"Evon","startTime":1437.073,"endTime":1437.223,"body":"can"},{"speaker":"Evon","startTime":1437.243,"endTime":1437.433,"body":"hear"},{"speaker":"Evon","startTime":1437.433,"endTime":1437.653,"body":"about"},{"speaker":"Evon","startTime":1437.683,"endTime":1437.993,"body":"all"},{"speaker":"Evon","startTime":1437.993,"endTime":1438.103,"body":"the"},{"speaker":"Evon","startTime":1438.103,"endTime":1438.563,"body":"different"},{"speaker":"Evon","startTime":1438.913,"endTime":1439.273,"body":"parts"},{"speaker":"Evon","startTime":1439.273,"endTime":1439.413,"body":"of"},{"speaker":"Evon","startTime":1439.413,"endTime":1439.563,"body":"that"},{"speaker":"Evon","startTime":1439.573,"endTime":1439.983,"body":"huge"},{"speaker":"Evon","startTime":1439.983,"endTime":1440.413,"body":"law"},{"speaker":"Evon","startTime":1440.693,"endTime":1440.883,"body":"and"},{"speaker":"Evon","startTime":1440.883,"endTime":1441.043,"body":"all"},{"speaker":"Evon","startTime":1441.043,"endTime":1441.133,"body":"the"},{"speaker":"Evon","startTime":1441.133,"endTime":1441.453,"body":"different"},{"speaker":"Evon","startTime":1441.463,"endTime":1442.023,"body":"layers"},{"speaker":"Evon","startTime":1442.263,"endTime":1442.703,"body":"of"},{"speaker":"Evon","startTime":1442.703,"endTime":1443.183,"body":"which,"},{"speaker":"Evon","startTime":1443.663,"endTime":1443.923,"body":"all"},{"speaker":"Evon","startTime":1443.923,"endTime":1444.203,"body":"these"},{"speaker":"Evon","startTime":1444.213,"endTime":1444.563,"body":"rules"},{"speaker":"Evon","startTime":1444.573,"endTime":1444.823,"body":"start"},{"speaker":"Evon","startTime":1444.823,"endTime":1444.923,"body":"to"},{"speaker":"Evon","startTime":1444.923,"endTime":1445.403,"body":"implement"},{"speaker":"Evon","startTime":1445.413,"endTime":1445.613,"body":"each"},{"speaker":"Evon","startTime":1445.613,"endTime":1445.943,"body":"year."},{"speaker":"Evon","startTime":1445.959,"endTime":1446.348,"body":"2023,"},{"speaker":"Evon","startTime":1446.428,"endTime":1448.278,"body":"2024,"},{"speaker":"Evon","startTime":1448.278,"endTime":1448.368,"body":"and"},{"speaker":"Evon","startTime":1448.368,"endTime":1448.828,"body":"beyond,"},{"speaker":"Evon","startTime":1449.168,"endTime":1449.588,"body":"as"},{"speaker":"Evon","startTime":1449.588,"endTime":1449.818,"body":"Matt"},{"speaker":"Evon","startTime":1449.818,"endTime":1450.318,"body":"mentioned."},{"speaker":"Evon","startTime":1450.328,"endTime":1450.768,"body":"And,"},{"speaker":"Evon","startTime":1451.068,"endTime":1451.308,"body":"some"},{"speaker":"Evon","startTime":1451.308,"endTime":1451.418,"body":"of"},{"speaker":"Evon","startTime":1451.418,"endTime":1451.618,"body":"it's"},{"speaker":"Evon","startTime":1451.628,"endTime":1452.058,"body":"been,"},{"speaker":"Evon","startTime":1452.108,"endTime":1452.638,"body":"deferred"},{"speaker":"Evon","startTime":1452.638,"endTime":1453.158,"body":"into,"},{"speaker":"Evon","startTime":1453.168,"endTime":1453.428,"body":"into"},{"speaker":"Evon","startTime":1453.428,"endTime":1453.778,"body":"future"},{"speaker":"Evon","startTime":1453.778,"endTime":1454.148,"body":"years."},{"speaker":"Evon","startTime":1454.148,"endTime":1454.268,"body":"For"},{"speaker":"Evon","startTime":1454.268,"endTime":1454.868,"body":"example,"},{"speaker":"Evon","startTime":1455.268,"endTime":1455.418,"body":"one"},{"speaker":"Evon","startTime":1455.418,"endTime":1455.498,"body":"of"},{"speaker":"Evon","startTime":1455.498,"endTime":1455.518,"body":"the"},{"speaker":"Evon","startTime":1455.518,"endTime":1455.728,"body":"things"},{"speaker":"Evon","startTime":1455.728,"endTime":1455.818,"body":"that"},{"speaker":"Evon","startTime":1455.818,"endTime":1455.938,"body":"was"},{"speaker":"Evon","startTime":1455.938,"endTime":1456.508,"body":"postponed"},{"speaker":"Evon","startTime":1456.518,"endTime":1456.858,"body":"was"},{"speaker":"Evon","startTime":1456.868,"endTime":1457.258,"body":"the"},{"speaker":"Evon","startTime":1457.268,"endTime":1458.048,"body":"mandatory"},{"speaker":"Evon","startTime":1458.048,"endTime":1458.498,"body":"catch"},{"speaker":"Evon","startTime":1458.498,"endTime":1458.708,"body":"up"},{"speaker":"Evon","startTime":1458.708,"endTime":1459.128,"body":"for"},{"speaker":"Evon","startTime":1459.168,"endTime":1459.368,"body":"quote"},{"speaker":"Evon","startTime":1459.398,"endTime":1459.858,"body":"unquote"},{"speaker":"Evon","startTime":1459.868,"endTime":1460.268,"body":"high"},{"speaker":"Evon","startTime":1460.268,"endTime":1460.828,"body":"earners."},{"speaker":"Evon","startTime":1461.198,"endTime":1461.328,"body":"So"},{"speaker":"Evon","startTime":1461.328,"endTime":1461.458,"body":"that"},{"speaker":"Evon","startTime":1461.458,"endTime":1461.588,"body":"was"},{"speaker":"Evon","startTime":1461.588,"endTime":1461.848,"body":"something"},{"speaker":"Evon","startTime":1461.848,"endTime":1461.948,"body":"that"},{"speaker":"Evon","startTime":1461.948,"endTime":1462.068,"body":"was"},{"speaker":"Evon","startTime":1462.068,"endTime":1462.368,"body":"supposed"},{"speaker":"Evon","startTime":1462.368,"endTime":1462.438,"body":"to"},{"speaker":"Evon","startTime":1462.438,"endTime":1462.678,"body":"take"},{"speaker":"Evon","startTime":1462.678,"endTime":1462.988,"body":"into"},{"speaker":"Evon","startTime":1462.988,"endTime":1463.628,"body":"effect"},{"speaker":"Evon","startTime":1463.678,"endTime":1464.038,"body":"this"},{"speaker":"Evon","startTime":1464.038,"endTime":1464.258,"body":"year,"},{"speaker":"Evon","startTime":1464.258,"endTime":1464.808,"body":"2024,"},{"speaker":"Evon","startTime":1465.268,"endTime":1465.358,"body":"but"},{"speaker":"Evon","startTime":1465.358,"endTime":1465.608,"body":"was"},{"speaker":"Evon","startTime":1465.638,"endTime":1466.218,"body":"postponed"},{"speaker":"Evon","startTime":1466.228,"endTime":1466.618,"body":"to"},{"speaker":"Evon","startTime":1466.978,"endTime":1467.838,"body":"2026."},{"speaker":"Evon","startTime":1467.848,"endTime":1468.098,"body":"So"},{"speaker":"Evon","startTime":1468.098,"endTime":1468.268,"body":"for"},{"speaker":"Evon","startTime":1468.268,"endTime":1468.498,"body":"high"},{"speaker":"Evon","startTime":1468.498,"endTime":1468.978,"body":"earners,"},{"speaker":"Evon","startTime":1469.883,"endTime":1470.283,"body":"Over"},{"speaker":"Evon","startTime":1470.283,"endTime":1470.783,"body":"50,"},{"speaker":"Evon","startTime":1470.783,"endTime":1470.973,"body":"your"},{"speaker":"Evon","startTime":1470.983,"endTime":1471.273,"body":"catch"},{"speaker":"Evon","startTime":1471.283,"endTime":1471.353,"body":"up"},{"speaker":"Evon","startTime":1471.353,"endTime":1472.083,"body":"contributions"},{"speaker":"Evon","startTime":1472.083,"endTime":1472.223,"body":"no"},{"speaker":"Evon","startTime":1472.223,"endTime":1472.693,"body":"longer"},{"speaker":"Evon","startTime":1472.973,"endTime":1473.123,"body":"are"},{"speaker":"Evon","startTime":1473.123,"endTime":1473.723,"body":"required,"},{"speaker":"Evon","startTime":1473.723,"endTime":1473.793,"body":"or"},{"speaker":"Evon","startTime":1473.793,"endTime":1473.903,"body":"at"},{"speaker":"Evon","startTime":1473.903,"endTime":1474.083,"body":"least"},{"speaker":"Evon","startTime":1474.083,"endTime":1474.323,"body":"not"},{"speaker":"Evon","startTime":1474.323,"endTime":1474.533,"body":"yet,"},{"speaker":"Evon","startTime":1474.543,"endTime":1474.673,"body":"are"},{"speaker":"Evon","startTime":1474.673,"endTime":1475.083,"body":"required"},{"speaker":"Evon","startTime":1475.083,"endTime":1475.203,"body":"to"},{"speaker":"Evon","startTime":1475.213,"endTime":1475.543,"body":"be"},{"speaker":"Evon","startTime":1475.643,"endTime":1476.063,"body":"Roth"},{"speaker":"Evon","startTime":1476.063,"endTime":1476.373,"body":"versus"},{"speaker":"Evon","startTime":1476.373,"endTime":1476.523,"body":"pre"},{"speaker":"Evon","startTime":1476.523,"endTime":1476.803,"body":"tax."},{"speaker":"Evon","startTime":1476.813,"endTime":1477.083,"body":"So,"},{"speaker":"Evon","startTime":1477.483,"endTime":1477.713,"body":"take"},{"speaker":"Evon","startTime":1477.713,"endTime":1477.753,"body":"a"},{"speaker":"Evon","startTime":1477.753,"endTime":1477.913,"body":"look"},{"speaker":"Evon","startTime":1477.913,"endTime":1477.993,"body":"at"},{"speaker":"Evon","startTime":1477.993,"endTime":1478.083,"body":"all"},{"speaker":"Evon","startTime":1478.083,"endTime":1478.243,"body":"those"},{"speaker":"Evon","startTime":1478.243,"endTime":1478.473,"body":"show"},{"speaker":"Evon","startTime":1478.473,"endTime":1479.013,"body":"notes,"},{"speaker":"Evon","startTime":1479.233,"endTime":1479.433,"body":"take"},{"speaker":"Evon","startTime":1479.433,"endTime":1479.493,"body":"a"},{"speaker":"Evon","startTime":1479.493,"endTime":1479.683,"body":"look"},{"speaker":"Evon","startTime":1479.683,"endTime":1479.773,"body":"at"},{"speaker":"Evon","startTime":1479.773,"endTime":1479.873,"body":"all"},{"speaker":"Evon","startTime":1479.873,"endTime":1480.083,"body":"those"},{"speaker":"Evon","startTime":1480.083,"endTime":1480.583,"body":"episodes."},{"speaker":"Evon","startTime":1480.593,"endTime":1480.943,"body":"Hopefully"},{"speaker":"Evon","startTime":1480.943,"endTime":1481.143,"body":"those"},{"speaker":"Evon","startTime":1481.143,"endTime":1481.223,"body":"are"},{"speaker":"Evon","startTime":1481.223,"endTime":1481.553,"body":"helpful"},{"speaker":"Evon","startTime":1481.553,"endTime":1481.683,"body":"as"},{"speaker":"Evon","startTime":1481.683,"endTime":1482.043,"body":"well."},{"speaker":"Evon","startTime":1482.433,"endTime":1482.933,"body":"Matt,"},{"speaker":"Evon","startTime":1483.003,"endTime":1483.403,"body":"really"},{"speaker":"Evon","startTime":1483.413,"endTime":1483.783,"body":"appreciate"},{"speaker":"Evon","startTime":1483.783,"endTime":1483.883,"body":"you"},{"speaker":"Evon","startTime":1483.883,"endTime":1484.113,"body":"coming"},{"speaker":"Evon","startTime":1484.113,"endTime":1484.273,"body":"on"},{"speaker":"Evon","startTime":1484.273,"endTime":1484.433,"body":"once"},{"speaker":"Evon","startTime":1484.433,"endTime":1484.833,"body":"again."},{"speaker":"Evon","startTime":1485.073,"endTime":1485.333,"body":"Where"},{"speaker":"Evon","startTime":1485.333,"endTime":1485.443,"body":"can"},{"speaker":"Evon","startTime":1485.443,"endTime":1485.673,"body":"people"},{"speaker":"Evon","startTime":1485.673,"endTime":1485.963,"body":"find"},{"speaker":"Evon","startTime":1485.963,"endTime":1486.163,"body":"you"},{"speaker":"Evon","startTime":1486.163,"endTime":1486.373,"body":"and"},{"speaker":"Evon","startTime":1486.373,"endTime":1486.663,"body":"follow"},{"speaker":"Evon","startTime":1486.663,"endTime":1486.873,"body":"you"},{"speaker":"Evon","startTime":1486.873,"endTime":1487.013,"body":"and"},{"speaker":"Evon","startTime":1487.013,"endTime":1487.193,"body":"just"},{"speaker":"Evon","startTime":1487.193,"endTime":1487.363,"body":"learn"},{"speaker":"Evon","startTime":1487.363,"endTime":1487.523,"body":"more"},{"speaker":"Evon","startTime":1487.523,"endTime":1487.713,"body":"about"},{"speaker":"Evon","startTime":1487.713,"endTime":1487.843,"body":"what"},{"speaker":"Evon","startTime":1487.843,"endTime":1487.933,"body":"you're"},{"speaker":"Evon","startTime":1487.933,"endTime":1488.243,"body":"doing?"},{"speaker":"Matt","startTime":1488.807,"endTime":1489.065,"body":"Yeah."},{"speaker":"Matt","startTime":1489.115,"endTime":1489.295,"body":"our"},{"speaker":"Matt","startTime":1489.295,"endTime":1489.775,"body":"website"},{"speaker":"Matt","startTime":1489.775,"endTime":1490.075,"body":"is"},{"speaker":"Matt","startTime":1490.075,"endTime":1492.155,"body":"LifeIncRS.com."},{"speaker":"Matt","startTime":1492.175,"endTime":1492.625,"body":"So"},{"speaker":"Matt","startTime":1492.625,"endTime":1492.925,"body":"Life"},{"speaker":"Matt","startTime":1492.925,"endTime":1493.165,"body":"Inc."},{"speaker":"Matt","startTime":1493.165,"endTime":1493.585,"body":"Retirement"},{"speaker":"Matt","startTime":1493.585,"endTime":1493.945,"body":"Services"},{"speaker":"Matt","startTime":1493.95,"endTime":1494.005,"body":"is"},{"speaker":"Matt","startTime":1494.005,"endTime":1494.155,"body":"what"},{"speaker":"Matt","startTime":1494.16,"endTime":1494.275,"body":"that"},{"speaker":"Matt","startTime":1494.275,"endTime":1494.545,"body":"stands"},{"speaker":"Matt","startTime":1494.545,"endTime":1494.875,"body":"for."},{"speaker":"Matt","startTime":1495.245,"endTime":1497.935,"body":"LifeIncRS.com."},{"speaker":"Matt","startTime":1498.215,"endTime":1498.305,"body":"we"},{"speaker":"Matt","startTime":1498.305,"endTime":1498.395,"body":"have"},{"speaker":"Matt","startTime":1498.395,"endTime":1498.485,"body":"a"},{"speaker":"Matt","startTime":1498.485,"endTime":1498.785,"body":"lot"},{"speaker":"Matt","startTime":1498.79,"endTime":1498.845,"body":"of"},{"speaker":"Matt","startTime":1498.845,"endTime":1499.205,"body":"tools"},{"speaker":"Matt","startTime":1499.21,"endTime":1499.355,"body":"on"},{"speaker":"Matt","startTime":1499.355,"endTime":1499.715,"body":"there."},{"speaker":"Matt","startTime":1499.715,"endTime":1499.925,"body":"We"},{"speaker":"Matt","startTime":1499.925,"endTime":1500.435,"body":"have,"},{"speaker":"Matt","startTime":1500.465,"endTime":1500.675,"body":"there's"},{"speaker":"Matt","startTime":1500.675,"endTime":1500.705,"body":"a"},{"speaker":"Matt","startTime":1500.71,"endTime":1500.975,"body":"tool"},{"speaker":"Matt","startTime":1501.335,"endTime":1501.425,"body":"in"},{"speaker":"Matt","startTime":1501.425,"endTime":1501.485,"body":"the"},{"speaker":"Matt","startTime":1501.485,"endTime":1501.935,"body":"dropdown"},{"speaker":"Matt","startTime":1501.935,"endTime":1502.145,"body":"menu,"},{"speaker":"Matt","startTime":1502.145,"endTime":1502.325,"body":"there's"},{"speaker":"Matt","startTime":1502.33,"endTime":1502.385,"body":"a"},{"speaker":"Matt","startTime":1502.385,"endTime":1502.895,"body":"tools"},{"speaker":"Matt","startTime":1503.225,"endTime":1503.765,"body":"area"},{"speaker":"Matt","startTime":1503.795,"endTime":1504.305,"body":"and"},{"speaker":"Matt","startTime":1504.335,"endTime":1504.845,"body":"we,"},{"speaker":"Matt","startTime":1504.85,"endTime":1505.025,"body":"you"},{"speaker":"Matt","startTime":1505.025,"endTime":1505.175,"body":"can"},{"speaker":"Matt","startTime":1505.175,"endTime":1505.655,"body":"calculate"},{"speaker":"Matt","startTime":1505.66,"endTime":1505.745,"body":"what"},{"speaker":"Matt","startTime":1505.775,"endTime":1505.865,"body":"your"},{"speaker":"Matt","startTime":1505.865,"endTime":1506.135,"body":"tax"},{"speaker":"Matt","startTime":1506.135,"endTime":1506.435,"body":"credits"},{"speaker":"Matt","startTime":1506.435,"endTime":1506.495,"body":"are"},{"speaker":"Matt","startTime":1506.495,"endTime":1506.705,"body":"gonna"},{"speaker":"Matt","startTime":1506.705,"endTime":1507.035,"body":"be"},{"speaker":"Matt","startTime":1507.04,"endTime":1507.21,"body":"or,"},{"speaker":"Matt","startTime":1507.215,"endTime":1507.515,"body":"or"},{"speaker":"Matt","startTime":1507.515,"endTime":1507.875,"body":"close"},{"speaker":"Matt","startTime":1507.875,"endTime":1507.965,"body":"to"},{"speaker":"Matt","startTime":1507.965,"endTime":1508.115,"body":"be."},{"speaker":"Matt","startTime":1508.115,"endTime":1508.205,"body":"It's"},{"speaker":"Matt","startTime":1508.205,"endTime":1508.355,"body":"an"},{"speaker":"Matt","startTime":1508.355,"endTime":1508.835,"body":"estimate."},{"speaker":"Matt","startTime":1509.175,"endTime":1509.295,"body":"and"},{"speaker":"Matt","startTime":1509.295,"endTime":1509.355,"body":"you"},{"speaker":"Matt","startTime":1509.355,"endTime":1509.475,"body":"can"},{"speaker":"Matt","startTime":1509.475,"endTime":1509.565,"body":"do"},{"speaker":"Matt","startTime":1509.57,"endTime":1509.745,"body":"that"},{"speaker":"Matt","startTime":1509.745,"endTime":1510.165,"body":"within."},{"speaker":"Matt","startTime":1510.38,"endTime":1510.61,"body":"20"},{"speaker":"Matt","startTime":1510.62,"endTime":1511.11,"body":"seconds."},{"speaker":"Matt","startTime":1511.41,"endTime":1511.66,"body":"And"},{"speaker":"Matt","startTime":1511.66,"endTime":1511.86,"body":"then"},{"speaker":"Matt","startTime":1511.86,"endTime":1511.98,"body":"if"},{"speaker":"Matt","startTime":1511.98,"endTime":1512.1,"body":"you're"},{"speaker":"Matt","startTime":1512.1,"endTime":1512.31,"body":"not"},{"speaker":"Matt","startTime":1512.31,"endTime":1512.6,"body":"sure"},{"speaker":"Matt","startTime":1512.6,"endTime":1512.82,"body":"what"},{"speaker":"Matt","startTime":1512.82,"endTime":1513.07,"body":"kind"},{"speaker":"Matt","startTime":1513.07,"endTime":1513.21,"body":"of"},{"speaker":"Matt","startTime":1513.22,"endTime":1513.54,"body":"plan,"},{"speaker":"Matt","startTime":1513.54,"endTime":1513.64,"body":"we"},{"speaker":"Matt","startTime":1513.64,"endTime":1513.8,"body":"have"},{"speaker":"Matt","startTime":1513.8,"endTime":1514.03,"body":"something"},{"speaker":"Matt","startTime":1514.03,"endTime":1514.18,"body":"called"},{"speaker":"Matt","startTime":1514.19,"endTime":1514.34,"body":"the"},{"speaker":"Matt","startTime":1514.4,"endTime":1514.91,"body":"evaluator"},{"speaker":"Matt","startTime":1514.92,"endTime":1515.04,"body":"on"},{"speaker":"Matt","startTime":1515.04,"endTime":1515.36,"body":"there."},{"speaker":"Matt","startTime":1515.58,"endTime":1515.69,"body":"a"},{"speaker":"Matt","startTime":1515.69,"endTime":1515.92,"body":"few"},{"speaker":"Matt","startTime":1515.92,"endTime":1516.53,"body":"questions"},{"speaker":"Matt","startTime":1516.53,"endTime":1517.03,"body":"we'll,"},{"speaker":"Matt","startTime":1517.06,"endTime":1517.53,"body":"narrow"},{"speaker":"Matt","startTime":1517.53,"endTime":1518.05,"body":"down"},{"speaker":"Matt","startTime":1518.06,"endTime":1518.4,"body":"what"},{"speaker":"Matt","startTime":1518.43,"endTime":1518.65,"body":"is"},{"speaker":"Matt","startTime":1518.65,"endTime":1519.14,"body":"available"},{"speaker":"Matt","startTime":1519.15,"endTime":1519.41,"body":"for"},{"speaker":"Matt","startTime":1519.41,"endTime":1519.69,"body":"you"},{"speaker":"Matt","startTime":1519.69,"endTime":1519.9,"body":"and"},{"speaker":"Matt","startTime":1519.9,"endTime":1520.06,"body":"which"},{"speaker":"Matt","startTime":1520.07,"endTime":1520.21,"body":"kind"},{"speaker":"Matt","startTime":1520.21,"endTime":1520.3,"body":"of"},{"speaker":"Matt","startTime":1520.3,"endTime":1520.54,"body":"plan"},{"speaker":"Matt","startTime":1520.54,"endTime":1520.65,"body":"you"},{"speaker":"Matt","startTime":1520.65,"endTime":1520.8,"body":"should"},{"speaker":"Matt","startTime":1520.8,"endTime":1521.07,"body":"start"},{"speaker":"Matt","startTime":1521.07,"endTime":1521.37,"body":"looking"},{"speaker":"Matt","startTime":1521.37,"endTime":1521.55,"body":"at."},{"speaker":"Matt","startTime":1521.55,"endTime":1521.77,"body":"Cause"},{"speaker":"Matt","startTime":1522.65,"endTime":1522.83,"body":"the"},{"speaker":"Matt","startTime":1522.83,"endTime":1523.2,"body":"retirement"},{"speaker":"Matt","startTime":1523.2,"endTime":1523.39,"body":"plan"},{"speaker":"Matt","startTime":1523.39,"endTime":1523.67,"body":"space"},{"speaker":"Matt","startTime":1523.67,"endTime":1523.82,"body":"is"},{"speaker":"Matt","startTime":1523.82,"endTime":1524.28,"body":"vast"},{"speaker":"Matt","startTime":1524.29,"endTime":1524.63,"body":"and"},{"speaker":"Matt","startTime":1524.63,"endTime":1524.89,"body":"trying"},{"speaker":"Matt","startTime":1524.89,"endTime":1525.1,"body":"to"},{"speaker":"Matt","startTime":1525.59,"endTime":1526.09,"body":"research"},{"speaker":"Matt","startTime":1526.11,"endTime":1526.36,"body":"every"},{"speaker":"Matt","startTime":1526.36,"endTime":1526.61,"body":"single"},{"speaker":"Matt","startTime":1526.61,"endTime":1526.89,"body":"one"},{"speaker":"Matt","startTime":1526.9,"endTime":1526.94,"body":"to"},{"speaker":"Matt","startTime":1526.94,"endTime":1527.09,"body":"see"},{"speaker":"Matt","startTime":1527.09,"endTime":1527.22,"body":"if"},{"speaker":"Matt","startTime":1527.23,"endTime":1527.57,"body":"every,"},{"speaker":"Matt","startTime":1527.59,"endTime":1527.83,"body":"which"},{"speaker":"Matt","startTime":1527.84,"endTime":1528.07,"body":"one"},{"speaker":"Matt","startTime":1528.07,"endTime":1528.21,"body":"of"},{"speaker":"Matt","startTime":1528.21,"endTime":1528.59,"body":"those"},{"speaker":"Matt","startTime":1528.95,"endTime":1529.14,"body":"are"},{"speaker":"Matt","startTime":1529.14,"endTime":1529.56,"body":"relevant"},{"speaker":"Matt","startTime":1529.56,"endTime":1529.66,"body":"to"},{"speaker":"Matt","startTime":1529.66,"endTime":1530.17,"body":"you"},{"speaker":"Matt","startTime":1530.26,"endTime":1530.44,"body":"can"},{"speaker":"Matt","startTime":1530.44,"endTime":1530.57,"body":"be"},{"speaker":"Matt","startTime":1530.57,"endTime":1531.06,"body":"daunting."},{"speaker":"Matt","startTime":1531.07,"endTime":1531.33,"body":"So"},{"speaker":"Matt","startTime":1531.33,"endTime":1531.66,"body":"that,"},{"speaker":"Matt","startTime":1531.67,"endTime":1531.91,"body":"that"},{"speaker":"Matt","startTime":1531.91,"endTime":1532.14,"body":"tool"},{"speaker":"Matt","startTime":1532.14,"endTime":1532.3,"body":"is"},{"speaker":"Matt","startTime":1532.3,"endTime":1532.5,"body":"right"},{"speaker":"Matt","startTime":1532.5,"endTime":1532.77,"body":"there"},{"speaker":"Matt","startTime":1532.77,"endTime":1533.05,"body":"to"},{"speaker":"Matt","startTime":1533.06,"endTime":1533.29,"body":"help"},{"speaker":"Matt","startTime":1533.29,"endTime":1533.4,"body":"you"},{"speaker":"Matt","startTime":1533.42,"endTime":1533.64,"body":"narrow"},{"speaker":"Matt","startTime":1533.64,"endTime":1533.72,"body":"it"},{"speaker":"Matt","startTime":1533.72,"endTime":1533.92,"body":"down"},{"speaker":"Matt","startTime":1533.92,"endTime":1534.03,"body":"to"},{"speaker":"Matt","startTime":1534.03,"endTime":1534.51,"body":"two,"},{"speaker":"Matt","startTime":1534.89,"endTime":1535.42,"body":"sometimes"},{"speaker":"Matt","startTime":1535.42,"endTime":1535.74,"body":"three,"},{"speaker":"Matt","startTime":1535.74,"endTime":1535.88,"body":"but"},{"speaker":"Matt","startTime":1535.88,"endTime":1536.02,"body":"it's"},{"speaker":"Matt","startTime":1536.02,"endTime":1536.17,"body":"all"},{"speaker":"Matt","startTime":1536.17,"endTime":1536.51,"body":"based"},{"speaker":"Matt","startTime":1536.51,"endTime":1536.83,"body":"on"},{"speaker":"Matt","startTime":1536.83,"endTime":1537.19,"body":"what,"},{"speaker":"Matt","startTime":1537.21,"endTime":1537.36,"body":"you"},{"speaker":"Matt","startTime":1537.36,"endTime":1537.53,"body":"know,"},{"speaker":"Matt","startTime":1537.53,"endTime":1537.7,"body":"kind"},{"speaker":"Matt","startTime":1537.7,"endTime":1537.76,"body":"of"},{"speaker":"Matt","startTime":1537.78,"endTime":1538.47,"body":"contributions"},{"speaker":"Matt","startTime":1538.47,"endTime":1538.57,"body":"you"},{"speaker":"Matt","startTime":1538.57,"endTime":1538.74,"body":"want"},{"speaker":"Matt","startTime":1538.74,"endTime":1538.8,"body":"to"},{"speaker":"Matt","startTime":1538.8,"endTime":1539.09,"body":"do."},{"speaker":"Matt","startTime":1539.36,"endTime":1539.6,"body":"so"},{"speaker":"Matt","startTime":1539.6,"endTime":1539.76,"body":"feel"},{"speaker":"Matt","startTime":1539.76,"endTime":1539.89,"body":"free"},{"speaker":"Matt","startTime":1539.89,"endTime":1539.96,"body":"to"},{"speaker":"Matt","startTime":1539.96,"endTime":1540.1,"body":"head"},{"speaker":"Matt","startTime":1540.1,"endTime":1540.25,"body":"over"},{"speaker":"Matt","startTime":1540.25,"endTime":1540.53,"body":"there"},{"speaker":"Matt","startTime":1540.53,"endTime":1540.98,"body":"and,"},{"speaker":"Matt","startTime":1541.01,"endTime":1541.34,"body":"and,"},{"speaker":"Matt","startTime":1541.34,"endTime":1541.48,"body":"play"},{"speaker":"Matt","startTime":1541.48,"endTime":1541.54,"body":"with"},{"speaker":"Matt","startTime":1541.56,"endTime":1541.77,"body":"those,"},{"speaker":"Matt","startTime":1541.79,"endTime":1542.13,"body":"tools."},{"speaker":"Evon","startTime":1542.78,"endTime":1543.02,"body":"Got"},{"speaker":"Evon","startTime":1543.02,"endTime":1543.08,"body":"it."},{"speaker":"Evon","startTime":1543.1,"endTime":1543.56,"body":"Appreciate"},{"speaker":"Evon","startTime":1543.56,"endTime":1543.74,"body":"that,"},{"speaker":"Evon","startTime":1543.74,"endTime":1544.02,"body":"Matt."},{"speaker":"Evon","startTime":1544.03,"endTime":1544.16,"body":"We"},{"speaker":"Evon","startTime":1544.16,"endTime":1544.28,"body":"will"},{"speaker":"Evon","startTime":1544.28,"endTime":1544.5,"body":"throw"},{"speaker":"Evon","startTime":1544.5,"endTime":1544.62,"body":"that"},{"speaker":"Evon","startTime":1544.62,"endTime":1544.68,"body":"in"},{"speaker":"Evon","startTime":1544.68,"endTime":1544.75,"body":"the"},{"speaker":"Evon","startTime":1544.75,"endTime":1544.94,"body":"show"},{"speaker":"Evon","startTime":1544.94,"endTime":1545.23,"body":"notes"},{"speaker":"Evon","startTime":1545.24,"endTime":1545.58,"body":"and"},{"speaker":"Evon","startTime":1545.58,"endTime":1545.67,"body":"for"},{"speaker":"Evon","startTime":1545.67,"endTime":1545.72,"body":"the"},{"speaker":"Evon","startTime":1545.72,"endTime":1546.38,"body":"listener,"},{"speaker":"Evon","startTime":1546.42,"endTime":1546.78,"body":"appreciate"},{"speaker":"Evon","startTime":1546.78,"endTime":1546.89,"body":"your"},{"speaker":"Evon","startTime":1546.89,"endTime":1547.16,"body":"time."},{"speaker":"Evon","startTime":1547.16,"endTime":1547.27,"body":"We"},{"speaker":"Evon","startTime":1547.27,"endTime":1547.4,"body":"will"},{"speaker":"Evon","startTime":1547.4,"endTime":1547.71,"body":"catch"},{"speaker":"Evon","startTime":1547.71,"endTime":1547.94,"body":"you"},{"speaker":"Evon","startTime":1548.0,"endTime":1548.29,"body":"on"},{"speaker":"Evon","startTime":1548.29,"endTime":1548.36,"body":"the"},{"speaker":"Evon","startTime":1548.36,"endTime":1548.64,"body":"next"},{"speaker":"Evon","startTime":1548.66,"endTime":1549.31,"body":"episode."},{"speaker":"Evon","startTime":1549.36,"endTime":1549.51,"body":"In"},{"speaker":"Evon","startTime":1549.51,"endTime":1549.58,"body":"the"},{"speaker":"Evon","startTime":1549.58,"endTime":1550.12,"body":"meantime,"},{"speaker":"Evon","startTime":1550.42,"endTime":1550.6,"body":"take"},{"speaker":"Evon","startTime":1550.6,"endTime":1550.93,"body":"care."}]}