{"version":"1.0.0","segments":[{"speaker":"Patrick Cadigan","startTime":0.9,"endTime":2.4,"body":"Patrick,"},{"speaker":"Patrick Cadigan","startTime":0.9,"endTime":2.4,"body":"welcome. This is the Post"},{"speaker":"Patrick Cadigan","startTime":2.4,"endTime":5.7,"body":"Secondary Transition podcast"},{"speaker":"Patrick Cadigan","startTime":2.4,"endTime":5.7,"body":"where we cover the ins and outs"},{"speaker":"Patrick Cadigan","startTime":5.76,"endTime":8.94,"body":"and everything in between of the"},{"speaker":"Patrick Cadigan","startTime":5.76,"endTime":8.94,"body":"transition process for families"},{"speaker":"Patrick Cadigan","startTime":8.94,"endTime":12.48,"body":"of students with disabilities. I"},{"speaker":"Patrick Cadigan","startTime":8.94,"endTime":12.48,"body":"am one of the hosts. My name is"},{"speaker":"Patrick Cadigan","startTime":12.48,"endTime":15.96,"body":"Patrick Cadigan, and as always,"},{"speaker":"Patrick Cadigan","startTime":12.48,"endTime":15.96,"body":"I have a co host. And who would"},{"speaker":"Patrick Cadigan","startTime":15.96,"endTime":16.44,"body":"that be?"},{"speaker":"Meghan Smallwood","startTime":16.81,"endTime":21.31,"body":"Yep, I am"},{"speaker":"Meghan Smallwood","startTime":16.81,"endTime":21.31,"body":"Meghan Smallwood, and I am, oh,"},{"speaker":"Meghan Smallwood","startTime":21.31,"endTime":23.62,"body":"my God, my brain just...what was"},{"speaker":"Meghan Smallwood","startTime":21.31,"endTime":23.62,"body":"I saying?"},{"speaker":"Patrick Cadigan","startTime":25.12,"endTime":26.65,"body":"I think you"},{"speaker":"Patrick Cadigan","startTime":25.12,"endTime":26.65,"body":"were talking about the fact that"},{"speaker":"Patrick Cadigan","startTime":26.65,"endTime":27.4,"body":"you're a host."},{"speaker":"Meghan Smallwood","startTime":28.0,"endTime":32.44,"body":"Yeah, and I am"},{"speaker":"Meghan Smallwood","startTime":28.0,"endTime":32.44,"body":"Meghan Smallwood, and I am the"},{"speaker":"Meghan Smallwood","startTime":32.44,"endTime":33.22,"body":"other host."},{"speaker":"Patrick Cadigan","startTime":34.36,"endTime":37.75,"body":"So this week,"},{"speaker":"Patrick Cadigan","startTime":34.36,"endTime":37.75,"body":"both Meghan and I are a little"},{"speaker":"Patrick Cadigan","startTime":37.75,"endTime":39.79,"body":"bit under the weather, if you"},{"speaker":"Patrick Cadigan","startTime":37.75,"endTime":39.79,"body":"can't already tell from our"},{"speaker":"Patrick Cadigan","startTime":39.79,"endTime":44.35,"body":"voices, but something that had"},{"speaker":"Patrick Cadigan","startTime":39.79,"endTime":44.35,"body":"come up last week that we"},{"speaker":"Patrick Cadigan","startTime":44.35,"endTime":49.18,"body":"thought we would touch upon"},{"speaker":"Patrick Cadigan","startTime":44.35,"endTime":49.18,"body":"today in our discussion is that"},{"speaker":"Patrick Cadigan","startTime":49.21,"endTime":53.89,"body":"of financial literacy. So"},{"speaker":"Patrick Cadigan","startTime":49.21,"endTime":53.89,"body":"Meghan, what were you thinking"},{"speaker":"Patrick Cadigan","startTime":53.89,"endTime":55.27,"body":"that we should be talking about?"},{"speaker":"Meghan Smallwood","startTime":55.93,"endTime":58.45,"body":"Yeah, it's a"},{"speaker":"Meghan Smallwood","startTime":55.93,"endTime":58.45,"body":"topic that I know we focused a"},{"speaker":"Meghan Smallwood","startTime":58.45,"endTime":63.1,"body":"lot on over the last few years,"},{"speaker":"Meghan Smallwood","startTime":58.45,"endTime":63.1,"body":"with our students in the"},{"speaker":"Meghan Smallwood","startTime":63.1,"endTime":66.64,"body":"classroom, but I feel like"},{"speaker":"Meghan Smallwood","startTime":63.1,"endTime":66.64,"body":"there's such a stigma about"},{"speaker":"Meghan Smallwood","startTime":66.91,"endTime":70.84,"body":"students or individuals with"},{"speaker":"Meghan Smallwood","startTime":66.91,"endTime":70.84,"body":"disabilities and managing their"},{"speaker":"Meghan Smallwood","startTime":70.84,"endTime":75.19,"body":"own money. I know, growing up,"},{"speaker":"Meghan Smallwood","startTime":70.84,"endTime":75.19,"body":"you know, back in the 90s, I"},{"speaker":"Meghan Smallwood","startTime":75.19,"endTime":79.15,"body":"don't the topic wasn't covered a"},{"speaker":"Meghan Smallwood","startTime":75.19,"endTime":79.15,"body":"lot. For my sister to this day,"},{"speaker":"Meghan Smallwood","startTime":79.15,"endTime":82.84,"body":"I know she receives a paycheck"},{"speaker":"Meghan Smallwood","startTime":79.15,"endTime":82.84,"body":"from her job, and she doesn't"},{"speaker":"Meghan Smallwood","startTime":82.84,"endTime":85.96,"body":"need a choice in it. She doesn't"},{"speaker":"Meghan Smallwood","startTime":82.84,"endTime":85.96,"body":"care how much money it is. It"},{"speaker":"Meghan Smallwood","startTime":85.96,"endTime":90.37,"body":"means nothing to her. And it's"},{"speaker":"Meghan Smallwood","startTime":85.96,"endTime":90.37,"body":"a, it's something that I wish"},{"speaker":"Meghan Smallwood","startTime":90.37,"endTime":94.06,"body":"she had a little more investment"},{"speaker":"Meghan Smallwood","startTime":90.37,"endTime":94.06,"body":"in and knowledge about. So it's,"},{"speaker":"Meghan Smallwood","startTime":94.06,"endTime":98.02,"body":"it's a topic dear to my heart,"},{"speaker":"Meghan Smallwood","startTime":94.06,"endTime":98.02,"body":"and I recognize, and I think,"},{"speaker":"Meghan Smallwood","startTime":98.05,"endTime":101.2,"body":"you know, a lot of our educators"},{"speaker":"Meghan Smallwood","startTime":98.05,"endTime":101.2,"body":"and families recognize that some"},{"speaker":"Meghan Smallwood","startTime":101.2,"endTime":104.53,"body":"of these concepts can be really"},{"speaker":"Meghan Smallwood","startTime":101.2,"endTime":104.53,"body":"hard to understand, but just"},{"speaker":"Meghan Smallwood","startTime":104.53,"endTime":110.53,"body":"that exposure and giving that"},{"speaker":"Meghan Smallwood","startTime":104.53,"endTime":110.53,"body":"basic idea about money and being"},{"speaker":"Meghan Smallwood","startTime":110.53,"endTime":115.12,"body":"safe with it, and some of that"},{"speaker":"Meghan Smallwood","startTime":110.53,"endTime":115.12,"body":"basic ideas that we all should"},{"speaker":"Meghan Smallwood","startTime":115.12,"endTime":116.41,"body":"know is important."},{"speaker":"Patrick Cadigan","startTime":117.52,"endTime":119.05,"body":"That was"},{"speaker":"Patrick Cadigan","startTime":117.52,"endTime":119.05,"body":"actually something that had come"},{"speaker":"Patrick Cadigan","startTime":119.05,"endTime":123.28,"body":"up just last week in discussion"},{"speaker":"Patrick Cadigan","startTime":119.05,"endTime":123.28,"body":"with some teacher friends of"},{"speaker":"Patrick Cadigan","startTime":123.28,"endTime":128.44,"body":"mine, where they were expounding"},{"speaker":"Patrick Cadigan","startTime":123.28,"endTime":128.44,"body":"on the virtues of understanding"},{"speaker":"Patrick Cadigan","startTime":128.44,"endTime":132.37,"body":"money, but then also recognizing"},{"speaker":"Patrick Cadigan","startTime":128.44,"endTime":132.37,"body":"the changes that have happened,"},{"speaker":"Patrick Cadigan","startTime":132.37,"endTime":137.47,"body":"where now there's actually very"},{"speaker":"Patrick Cadigan","startTime":132.37,"endTime":137.47,"body":"little paper money that's"},{"speaker":"Patrick Cadigan","startTime":137.47,"endTime":141.1,"body":"actually being exchanged right"},{"speaker":"Patrick Cadigan","startTime":137.47,"endTime":141.1,"body":"like it's now gone to a more"},{"speaker":"Patrick Cadigan","startTime":141.1,"endTime":144.67,"body":"credit based system, or at least"},{"speaker":"Patrick Cadigan","startTime":141.1,"endTime":144.67,"body":"using a debit card. So, and"},{"speaker":"Patrick Cadigan","startTime":144.67,"endTime":148.39,"body":"that's a different, you know?"},{"speaker":"Patrick Cadigan","startTime":144.67,"endTime":148.39,"body":"That's a different function, so"},{"speaker":"Patrick Cadigan","startTime":148.39,"endTime":148.93,"body":"to speak."},{"speaker":"Meghan Smallwood","startTime":149.44,"endTime":151.15,"body":"Yeah, and I"},{"speaker":"Meghan Smallwood","startTime":149.44,"endTime":151.15,"body":"feel like for so many years,"},{"speaker":"Meghan Smallwood","startTime":151.15,"endTime":154.27,"body":"when I was in the classroom, we"},{"speaker":"Meghan Smallwood","startTime":151.15,"endTime":154.27,"body":"did focus on counting change and"},{"speaker":"Meghan Smallwood","startTime":154.27,"endTime":158.2,"body":"counting bills and next dollar"},{"speaker":"Meghan Smallwood","startTime":154.27,"endTime":158.2,"body":"up, which are all great ideas"},{"speaker":"Meghan Smallwood","startTime":158.2,"endTime":161.83,"body":"and strategies. But you're"},{"speaker":"Meghan Smallwood","startTime":158.2,"endTime":161.83,"body":"right, like a lot of people are"},{"speaker":"Meghan Smallwood","startTime":161.83,"endTime":166.39,"body":"using debit cards now and pre"},{"speaker":"Meghan Smallwood","startTime":161.83,"endTime":166.39,"body":"filling the card with a certain"},{"speaker":"Meghan Smallwood","startTime":166.39,"endTime":168.97,"body":"amount of money. I mean, look at"},{"speaker":"Meghan Smallwood","startTime":166.39,"endTime":168.97,"body":"like the even the ABLE account"},{"speaker":"Meghan Smallwood","startTime":169.0,"endTime":173.8,"body":"has debit card to use, so it's"},{"speaker":"Meghan Smallwood","startTime":169.0,"endTime":173.8,"body":"important just to have that"},{"speaker":"Meghan Smallwood","startTime":173.8,"endTime":176.98,"body":"basic knowledge of what it"},{"speaker":"Meghan Smallwood","startTime":173.8,"endTime":176.98,"body":"means. I mean, I think of gift"},{"speaker":"Meghan Smallwood","startTime":176.98,"endTime":180.46,"body":"cards. Even my sister gets a"},{"speaker":"Meghan Smallwood","startTime":176.98,"endTime":180.46,"body":"gift card for Christmas, and she"},{"speaker":"Meghan Smallwood","startTime":180.46,"endTime":183.64,"body":"puts it right in her drawer and"},{"speaker":"Meghan Smallwood","startTime":180.46,"endTime":183.64,"body":"never looks at it again. So"},{"speaker":"Meghan Smallwood","startTime":183.64,"endTime":187.15,"body":"understanding what it means is"},{"speaker":"Meghan Smallwood","startTime":183.64,"endTime":187.15,"body":"is very important, and it's"},{"speaker":"Meghan Smallwood","startTime":187.15,"endTime":190.18,"body":"things that you know, teachers"},{"speaker":"Meghan Smallwood","startTime":187.15,"endTime":190.18,"body":"can teach, but also families can"},{"speaker":"Meghan Smallwood","startTime":190.18,"endTime":194.05,"body":"implement at home. So I think"},{"speaker":"Meghan Smallwood","startTime":190.18,"endTime":194.05,"body":"with financial literacy, it's"},{"speaker":"Meghan Smallwood","startTime":194.05,"endTime":197.95,"body":"just important that the"},{"speaker":"Meghan Smallwood","startTime":194.05,"endTime":197.95,"body":"individuals with disabilities"},{"speaker":"Meghan Smallwood","startTime":198.19,"endTime":200.83,"body":"learn just how to manage and"},{"speaker":"Meghan Smallwood","startTime":198.19,"endTime":200.83,"body":"make good decisions about their"},{"speaker":"Meghan Smallwood","startTime":200.83,"endTime":204.22,"body":"money, and it's also an"},{"speaker":"Meghan Smallwood","startTime":200.83,"endTime":204.22,"body":"important key to giving them"},{"speaker":"Meghan Smallwood","startTime":204.22,"endTime":205.72,"body":"some more independence."},{"speaker":"Patrick Cadigan","startTime":206.2,"endTime":207.76,"body":"Well, and I"},{"speaker":"Patrick Cadigan","startTime":206.2,"endTime":207.76,"body":"think that one of the things"},{"speaker":"Patrick Cadigan","startTime":207.76,"endTime":210.82,"body":"that doesn't come up in the"},{"speaker":"Patrick Cadigan","startTime":207.76,"endTime":210.82,"body":"conversation, and you've said it"},{"speaker":"Patrick Cadigan","startTime":210.82,"endTime":215.14,"body":"before, is that people with"},{"speaker":"Patrick Cadigan","startTime":210.82,"endTime":215.14,"body":"disabilities can manage their"},{"speaker":"Patrick Cadigan","startTime":215.14,"endTime":215.68,"body":"own money."},{"speaker":"Meghan Smallwood","startTime":216.49,"endTime":218.65,"body":"Absolutely."},{"speaker":"Meghan Smallwood","startTime":216.49,"endTime":218.65,"body":"And I know as teachers, you"},{"speaker":"Meghan Smallwood","startTime":218.65,"endTime":222.97,"body":"know, we really try to hone in"},{"speaker":"Meghan Smallwood","startTime":218.65,"endTime":222.97,"body":"on these concepts, especially"},{"speaker":"Meghan Smallwood","startTime":222.97,"endTime":226.42,"body":"during those transition years. I"},{"speaker":"Meghan Smallwood","startTime":222.97,"endTime":226.42,"body":"know, just in the classroom,"},{"speaker":"Meghan Smallwood","startTime":226.42,"endTime":229.27,"body":"from what I've witnessed and"},{"speaker":"Meghan Smallwood","startTime":226.42,"endTime":229.27,"body":"what I've done, we practice a"},{"speaker":"Meghan Smallwood","startTime":229.27,"endTime":232.36,"body":"lot of real life examples with,"},{"speaker":"Meghan Smallwood","startTime":229.27,"endTime":232.36,"body":"you know, structured learning"},{"speaker":"Meghan Smallwood","startTime":232.36,"endTime":235.3,"body":"experiences. But also when we go"},{"speaker":"Meghan Smallwood","startTime":232.36,"endTime":235.3,"body":"out in the community, we do a"},{"speaker":"Meghan Smallwood","startTime":235.3,"endTime":238.03,"body":"lot of community based"},{"speaker":"Meghan Smallwood","startTime":235.3,"endTime":238.03,"body":"instruction, where maybe we'll"},{"speaker":"Meghan Smallwood","startTime":238.03,"endTime":241.09,"body":"go out to lunch and they have to"},{"speaker":"Meghan Smallwood","startTime":238.03,"endTime":241.09,"body":"bring money or bring their debit"},{"speaker":"Meghan Smallwood","startTime":241.09,"endTime":245.5,"body":"card, and we help them determine"},{"speaker":"Meghan Smallwood","startTime":241.09,"endTime":245.5,"body":"if they have enough or if their"},{"speaker":"Meghan Smallwood","startTime":245.5,"endTime":248.05,"body":"meal they'll get change back for"},{"speaker":"Meghan Smallwood","startTime":245.5,"endTime":248.05,"body":"their meal. That's something"},{"speaker":"Meghan Smallwood","startTime":248.05,"endTime":250.96,"body":"that's also very important that"},{"speaker":"Meghan Smallwood","startTime":248.05,"endTime":250.96,"body":"they learn not to walk away if"},{"speaker":"Meghan Smallwood","startTime":250.96,"endTime":255.88,"body":"they're due money back. There's"},{"speaker":"Meghan Smallwood","startTime":250.96,"endTime":255.88,"body":"also resources out in the"},{"speaker":"Meghan Smallwood","startTime":255.88,"endTime":259.21,"body":"community that families can"},{"speaker":"Meghan Smallwood","startTime":255.88,"endTime":259.21,"body":"access, such as a center for"},{"speaker":"Meghan Smallwood","startTime":259.21,"endTime":262.33,"body":"independent living, and they"},{"speaker":"Meghan Smallwood","startTime":259.21,"endTime":262.33,"body":"really will help students too"},{"speaker":"Meghan Smallwood","startTime":262.33,"endTime":265.63,"body":"with independent living skills"},{"speaker":"Meghan Smallwood","startTime":262.33,"endTime":265.63,"body":"like that, money management, I"},{"speaker":"Meghan Smallwood","startTime":265.63,"endTime":268.6,"body":"mean, something as simple as"},{"speaker":"Meghan Smallwood","startTime":265.63,"endTime":268.6,"body":"making change for the bus fare."},{"speaker":"Meghan Smallwood","startTime":268.63,"endTime":270.94,"body":"You know, those are little"},{"speaker":"Meghan Smallwood","startTime":268.63,"endTime":270.94,"body":"things I think many people take"},{"speaker":"Meghan Smallwood","startTime":270.94,"endTime":274.93,"body":"for granted, but it is something"},{"speaker":"Meghan Smallwood","startTime":270.94,"endTime":274.93,"body":"that we can teach and reinforce"},{"speaker":"Meghan Smallwood","startTime":274.93,"endTime":277.12,"body":"for our individuals with"},{"speaker":"Meghan Smallwood","startTime":274.93,"endTime":277.12,"body":"disabilities."},{"speaker":"Patrick Cadigan","startTime":278.56,"endTime":280.96,"body":"So when we talk"},{"speaker":"Patrick Cadigan","startTime":278.56,"endTime":280.96,"body":"about, when you say"},{"speaker":"Patrick Cadigan","startTime":280.96,"endTime":285.97,"body":"reinforcement, how can families"},{"speaker":"Patrick Cadigan","startTime":280.96,"endTime":285.97,"body":"reinforce these concepts? Like,"},{"speaker":"Patrick Cadigan","startTime":285.97,"endTime":288.34,"body":"what are some of the things that"},{"speaker":"Patrick Cadigan","startTime":285.97,"endTime":288.34,"body":"they can do to kind of jump in?"},{"speaker":"Meghan Smallwood","startTime":288.88,"endTime":290.71,"body":"I think"},{"speaker":"Meghan Smallwood","startTime":288.88,"endTime":290.71,"body":"that's, you know, it's a scary"},{"speaker":"Meghan Smallwood","startTime":290.74,"endTime":293.77,"body":"idea, like, oh my gosh, how am I"},{"speaker":"Meghan Smallwood","startTime":290.74,"endTime":293.77,"body":"going to do this for them? But"},{"speaker":"Meghan Smallwood","startTime":293.77,"endTime":296.98,"body":"really, it's just including them"},{"speaker":"Meghan Smallwood","startTime":293.77,"endTime":296.98,"body":"in their everyday conversations"},{"speaker":"Meghan Smallwood","startTime":296.98,"endTime":300.07,"body":"at home. I mean, it's something"},{"speaker":"Meghan Smallwood","startTime":296.98,"endTime":300.07,"body":"as simple as showing them. The"},{"speaker":"Meghan Smallwood","startTime":300.07,"endTime":302.77,"body":"grocery list. You know, I just"},{"speaker":"Meghan Smallwood","startTime":300.07,"endTime":302.77,"body":"made my grocery list and went"},{"speaker":"Meghan Smallwood","startTime":302.77,"endTime":306.52,"body":"shopping this weekend with my"},{"speaker":"Meghan Smallwood","startTime":302.77,"endTime":306.52,"body":"kids, explaining to them that we"},{"speaker":"Meghan Smallwood","startTime":306.52,"endTime":309.91,"body":"have a budget for the food, so"},{"speaker":"Meghan Smallwood","startTime":306.52,"endTime":309.91,"body":"we have to compare prices when"},{"speaker":"Meghan Smallwood","startTime":309.91,"endTime":313.15,"body":"we shop. We don't want to buy"},{"speaker":"Meghan Smallwood","startTime":309.91,"endTime":313.15,"body":"the more expensive item we would"},{"speaker":"Meghan Smallwood","startTime":313.15,"endTime":316.57,"body":"like to save money if there's"},{"speaker":"Meghan Smallwood","startTime":313.15,"endTime":316.57,"body":"coupons or if there's sales"},{"speaker":"Meghan Smallwood","startTime":316.57,"endTime":320.89,"body":"going on, let's pay attention to"},{"speaker":"Meghan Smallwood","startTime":316.57,"endTime":320.89,"body":"that, and even having them add"},{"speaker":"Meghan Smallwood","startTime":320.92,"endTime":324.97,"body":"up the different items on a"},{"speaker":"Meghan Smallwood","startTime":320.92,"endTime":324.97,"body":"calculator as they go, just to"},{"speaker":"Meghan Smallwood","startTime":324.97,"endTime":329.8,"body":"practice that budgeting, those"},{"speaker":"Meghan Smallwood","startTime":324.97,"endTime":329.8,"body":"little things can, over time,"},{"speaker":"Meghan Smallwood","startTime":329.83,"endTime":334.42,"body":"really start to sink in and get"},{"speaker":"Meghan Smallwood","startTime":329.83,"endTime":334.42,"body":"them to practice these skills"},{"speaker":"Meghan Smallwood","startTime":334.42,"endTime":338.95,"body":"more and more. I think about,"},{"speaker":"Meghan Smallwood","startTime":334.42,"endTime":338.95,"body":"you know, we always talk about"},{"speaker":"Meghan Smallwood","startTime":338.95,"endTime":342.52,"body":"vocational skills, right? And"},{"speaker":"Meghan Smallwood","startTime":338.95,"endTime":342.52,"body":"having them do more chores at"},{"speaker":"Meghan Smallwood","startTime":342.52,"endTime":345.82,"body":"home to help, you know,"},{"speaker":"Meghan Smallwood","startTime":342.52,"endTime":345.82,"body":"reinforce what they're doing at"},{"speaker":"Meghan Smallwood","startTime":345.82,"endTime":351.16,"body":"work or at school, implementing"},{"speaker":"Meghan Smallwood","startTime":345.82,"endTime":351.16,"body":"an allowance for them for every"},{"speaker":"Meghan Smallwood","startTime":351.16,"endTime":354.01,"body":"chore they do, you know, even if"},{"speaker":"Meghan Smallwood","startTime":351.16,"endTime":354.01,"body":"it's a couple dollars, that will"},{"speaker":"Meghan Smallwood","startTime":354.01,"endTime":357.97,"body":"help practice with budgeting. I"},{"speaker":"Meghan Smallwood","startTime":354.01,"endTime":357.97,"body":"think just, you know, I've done"},{"speaker":"Meghan Smallwood","startTime":357.97,"endTime":362.71,"body":"that with my kids too, just"},{"speaker":"Meghan Smallwood","startTime":357.97,"endTime":362.71,"body":"teaching them that also, when"},{"speaker":"Meghan Smallwood","startTime":362.71,"endTime":365.23,"body":"you do work, you earn a"},{"speaker":"Meghan Smallwood","startTime":362.71,"endTime":365.23,"body":"paycheck. I mean, that's"},{"speaker":"Meghan Smallwood","startTime":365.23,"endTime":369.19,"body":"something, like I said, my"},{"speaker":"Meghan Smallwood","startTime":365.23,"endTime":369.19,"body":"sister still doesn't have, so I"},{"speaker":"Meghan Smallwood","startTime":369.19,"endTime":372.16,"body":"think that's something that we"},{"speaker":"Meghan Smallwood","startTime":369.19,"endTime":372.16,"body":"can start, even at a young age."},{"speaker":"Patrick Cadigan","startTime":373.36,"endTime":375.07,"body":"Kids doing"},{"speaker":"Patrick Cadigan","startTime":373.36,"endTime":375.07,"body":"stuff around the house for"},{"speaker":"Patrick Cadigan","startTime":375.07,"endTime":377.41,"body":"money. Some people call that"},{"speaker":"Patrick Cadigan","startTime":375.07,"endTime":377.41,"body":"bribery."},{"speaker":"Meghan Smallwood","startTime":377.68,"endTime":381.04,"body":"What a"},{"speaker":"Meghan Smallwood","startTime":377.68,"endTime":381.04,"body":"concept, Yeah, amazing, though"},{"speaker":"Meghan Smallwood","startTime":381.04,"endTime":381.61,"body":"it works."},{"speaker":"Patrick Cadigan","startTime":382.42,"endTime":386.14,"body":"All right. And"},{"speaker":"Patrick Cadigan","startTime":382.42,"endTime":386.14,"body":"then along the lines, again, of"},{"speaker":"Patrick Cadigan","startTime":386.47,"endTime":391.18,"body":"concepts that might be hard to"},{"speaker":"Patrick Cadigan","startTime":386.47,"endTime":391.18,"body":"understand, you have brought up"},{"speaker":"Patrick Cadigan","startTime":391.18,"endTime":396.04,"body":"before about banking and how"},{"speaker":"Patrick Cadigan","startTime":391.18,"endTime":396.04,"body":"they need to be aware of that."},{"speaker":"Patrick Cadigan","startTime":396.31,"endTime":396.85,"body":"So do you..."},{"speaker":"Meghan Smallwood","startTime":396.85,"endTime":396.97,"body":"Right."},{"speaker":"Patrick Cadigan","startTime":396.97,"endTime":397.96,"body":"...want to"},{"speaker":"Patrick Cadigan","startTime":396.97,"endTime":397.96,"body":"touch on that?"},{"speaker":"Meghan Smallwood","startTime":398.5,"endTime":401.35,"body":"Yeah, I think"},{"speaker":"Meghan Smallwood","startTime":398.5,"endTime":401.35,"body":"banking is also a very scary"},{"speaker":"Meghan Smallwood","startTime":401.35,"endTime":404.68,"body":"thing, because, you know, when"},{"speaker":"Meghan Smallwood","startTime":401.35,"endTime":404.68,"body":"you when the students turn 18,"},{"speaker":"Meghan Smallwood","startTime":404.71,"endTime":408.19,"body":"that's really when I think that"},{"speaker":"Meghan Smallwood","startTime":404.71,"endTime":408.19,"body":"comes to fruition. Because if"},{"speaker":"Meghan Smallwood","startTime":408.19,"endTime":411.4,"body":"they're receiving SSI, where is"},{"speaker":"Meghan Smallwood","startTime":408.19,"endTime":411.4,"body":"this money going to go? Some of"},{"speaker":"Meghan Smallwood","startTime":411.4,"endTime":414.61,"body":"them have never had a cat an"},{"speaker":"Meghan Smallwood","startTime":411.4,"endTime":414.61,"body":"account to themselves. You know,"},{"speaker":"Meghan Smallwood","startTime":414.61,"endTime":417.49,"body":"I think sometimes parents are a"},{"speaker":"Meghan Smallwood","startTime":414.61,"endTime":417.49,"body":"little nervous about them having"},{"speaker":"Meghan Smallwood","startTime":417.49,"endTime":421.51,"body":"an account in their name, but I"},{"speaker":"Meghan Smallwood","startTime":417.49,"endTime":421.51,"body":"think having them involved in"},{"speaker":"Meghan Smallwood","startTime":421.51,"endTime":425.59,"body":"that process and aware of this"},{"speaker":"Meghan Smallwood","startTime":421.51,"endTime":425.59,"body":"money coming in for them is so"},{"speaker":"Meghan Smallwood","startTime":425.59,"endTime":428.98,"body":"important, especially if you"},{"speaker":"Meghan Smallwood","startTime":425.59,"endTime":428.98,"body":"know, when we've talked about"},{"speaker":"Meghan Smallwood","startTime":428.98,"endTime":432.52,"body":"SSI before and how to increase"},{"speaker":"Meghan Smallwood","startTime":428.98,"endTime":432.52,"body":"the amount you get, you"},{"speaker":"Meghan Smallwood","startTime":432.52,"endTime":436.36,"body":"technically pay rent, they're"},{"speaker":"Meghan Smallwood","startTime":432.52,"endTime":436.36,"body":"aware of that they're paying"},{"speaker":"Meghan Smallwood","startTime":436.39,"endTime":439.69,"body":"their portion to live in a"},{"speaker":"Meghan Smallwood","startTime":436.39,"endTime":439.69,"body":"house, Just like any other"},{"speaker":"Meghan Smallwood","startTime":439.69,"endTime":444.13,"body":"individual over 18 without a"},{"speaker":"Meghan Smallwood","startTime":439.69,"endTime":444.13,"body":"disability may be doing if they"},{"speaker":"Meghan Smallwood","startTime":444.13,"endTime":446.8,"body":"move back home, or they're going"},{"speaker":"Meghan Smallwood","startTime":444.13,"endTime":446.8,"body":"out and living in an apartment."},{"speaker":"Meghan Smallwood","startTime":447.37,"endTime":451.27,"body":"So I think the little things"},{"speaker":"Meghan Smallwood","startTime":447.37,"endTime":451.27,"body":"that we just take for granted"},{"speaker":"Meghan Smallwood","startTime":451.27,"endTime":453.22,"body":"and just write off, I mean just"},{"speaker":"Meghan Smallwood","startTime":451.27,"endTime":453.22,"body":"including them in the"},{"speaker":"Meghan Smallwood","startTime":453.22,"endTime":457.24,"body":"conversation, so they know where"},{"speaker":"Meghan Smallwood","startTime":453.22,"endTime":457.24,"body":"the money is going, although"},{"speaker":"Meghan Smallwood","startTime":457.24,"endTime":460.99,"body":"they have money coming in, and"},{"speaker":"Meghan Smallwood","startTime":457.24,"endTime":460.99,"body":"where the money is going, and"},{"speaker":"Meghan Smallwood","startTime":460.99,"endTime":464.32,"body":"what form that everything does"},{"speaker":"Meghan Smallwood","startTime":460.99,"endTime":464.32,"body":"cost money. Like I mentioned to"},{"speaker":"Meghan Smallwood","startTime":464.32,"endTime":467.02,"body":"my sister, having a job and"},{"speaker":"Meghan Smallwood","startTime":464.32,"endTime":467.02,"body":"getting a paycheck, I think just"},{"speaker":"Meghan Smallwood","startTime":467.02,"endTime":470.71,"body":"going over what that means when"},{"speaker":"Meghan Smallwood","startTime":467.02,"endTime":470.71,"body":"they get it. Some of our"},{"speaker":"Meghan Smallwood","startTime":470.71,"endTime":473.68,"body":"students, I know that would get"},{"speaker":"Meghan Smallwood","startTime":470.71,"endTime":473.68,"body":"a paycheck, and they'd get all"},{"speaker":"Meghan Smallwood","startTime":473.68,"endTime":476.5,"body":"excited, and then they'd see,"},{"speaker":"Meghan Smallwood","startTime":473.68,"endTime":476.5,"body":"well, why didn't I get all my"},{"speaker":"Meghan Smallwood","startTime":476.5,"endTime":479.77,"body":"money? You know, explaining to"},{"speaker":"Meghan Smallwood","startTime":476.5,"endTime":479.77,"body":"them that they're paying taxes"},{"speaker":"Meghan Smallwood","startTime":479.77,"endTime":482.89,"body":"and there's money being taken"},{"speaker":"Meghan Smallwood","startTime":479.77,"endTime":482.89,"body":"out. So you may think you're"},{"speaker":"Meghan Smallwood","startTime":482.89,"endTime":485.71,"body":"going to get X amount, but when"},{"speaker":"Meghan Smallwood","startTime":482.89,"endTime":485.71,"body":"you actually get your paycheck,"},{"speaker":"Meghan Smallwood","startTime":485.71,"endTime":490.15,"body":"it's not so that helps with the"},{"speaker":"Meghan Smallwood","startTime":485.71,"endTime":490.15,"body":"budgeting aspect as well. I"},{"speaker":"Meghan Smallwood","startTime":490.15,"endTime":494.02,"body":"think that having a bank account"},{"speaker":"Meghan Smallwood","startTime":490.15,"endTime":494.02,"body":"that they could access, like we"},{"speaker":"Meghan Smallwood","startTime":494.02,"endTime":498.55,"body":"talked about using a debit card,"},{"speaker":"Meghan Smallwood","startTime":494.02,"endTime":498.55,"body":"making them aware of not"},{"speaker":"Meghan Smallwood","startTime":498.58,"endTime":502.69,"body":"overspending, being sure that"},{"speaker":"Meghan Smallwood","startTime":498.58,"endTime":502.69,"body":"they know how much they have to"},{"speaker":"Meghan Smallwood","startTime":502.69,"endTime":507.4,"body":"spend, and staying within that"},{"speaker":"Meghan Smallwood","startTime":502.69,"endTime":507.4,"body":"range. And also the differences"},{"speaker":"Meghan Smallwood","startTime":507.4,"endTime":511.9,"body":"between that and a credit card."},{"speaker":"Meghan Smallwood","startTime":507.4,"endTime":511.9,"body":"You know, I know, when I was"},{"speaker":"Meghan Smallwood","startTime":511.9,"endTime":514.93,"body":"young and first had a credit"},{"speaker":"Meghan Smallwood","startTime":511.9,"endTime":514.93,"body":"card, I was like, Oh, great,"},{"speaker":"Meghan Smallwood","startTime":515.08,"endTime":519.01,"body":"free money. You know, I don't"},{"speaker":"Meghan Smallwood","startTime":515.08,"endTime":519.01,"body":"have to pay this right now. So"},{"speaker":"Meghan Smallwood","startTime":519.04,"endTime":524.95,"body":"again, just being sure, as basic"},{"speaker":"Meghan Smallwood","startTime":519.04,"endTime":524.95,"body":"as it can be, you know that they"},{"speaker":"Meghan Smallwood","startTime":524.95,"endTime":528.46,"body":"might need to know you still"},{"speaker":"Meghan Smallwood","startTime":524.95,"endTime":528.46,"body":"have to pay for this, you still"},{"speaker":"Meghan Smallwood","startTime":528.46,"endTime":531.4,"body":"have to budget, and that's still"},{"speaker":"Meghan Smallwood","startTime":528.46,"endTime":531.4,"body":"going to be your money."},{"speaker":"Patrick Cadigan","startTime":532.0,"endTime":533.35,"body":"Again, kind of"},{"speaker":"Patrick Cadigan","startTime":532.0,"endTime":533.35,"body":"knowing those little"},{"speaker":"Patrick Cadigan","startTime":533.35,"endTime":534.01,"body":"differences."},{"speaker":"Meghan Smallwood","startTime":534.58,"endTime":536.98,"body":"Yeah, and you"},{"speaker":"Meghan Smallwood","startTime":534.58,"endTime":536.98,"body":"know something, I remember going"},{"speaker":"Meghan Smallwood","startTime":536.98,"endTime":540.91,"body":"over a lot with students, it was"},{"speaker":"Meghan Smallwood","startTime":536.98,"endTime":540.91,"body":"just the difference between"},{"speaker":"Meghan Smallwood","startTime":540.91,"endTime":545.35,"body":"necessities and luxuries, that"},{"speaker":"Meghan Smallwood","startTime":540.91,"endTime":545.35,"body":"can be a hard concept, too,"},{"speaker":"Meghan Smallwood","startTime":545.38,"endTime":548.41,"body":"because, you know, we see"},{"speaker":"Meghan Smallwood","startTime":545.38,"endTime":548.41,"body":"something that we really want"},{"speaker":"Meghan Smallwood","startTime":548.41,"endTime":552.28,"body":"and we're fixated on it, just"},{"speaker":"Meghan Smallwood","startTime":548.41,"endTime":552.28,"body":"explaining to them, okay, that's"},{"speaker":"Meghan Smallwood","startTime":552.28,"endTime":555.79,"body":"nice, but it's not something"},{"speaker":"Meghan Smallwood","startTime":552.28,"endTime":555.79,"body":"that we need. However, we can"},{"speaker":"Meghan Smallwood","startTime":555.79,"endTime":559.03,"body":"practice saving up for an item,"},{"speaker":"Meghan Smallwood","startTime":555.79,"endTime":559.03,"body":"and that's something the parents"},{"speaker":"Meghan Smallwood","startTime":559.03,"endTime":561.97,"body":"can also do at home. You know,"},{"speaker":"Meghan Smallwood","startTime":559.03,"endTime":561.97,"body":"if the the house needs to buy a"},{"speaker":"Meghan Smallwood","startTime":561.97,"endTime":566.26,"body":"new TV, they can be involved in"},{"speaker":"Meghan Smallwood","startTime":561.97,"endTime":566.26,"body":"the process of, okay, we're"},{"speaker":"Meghan Smallwood","startTime":566.26,"endTime":569.14,"body":"going to save the money up."},{"speaker":"Meghan Smallwood","startTime":566.26,"endTime":569.14,"body":"Let's look and compare prices."},{"speaker":"Meghan Smallwood","startTime":569.14,"endTime":573.01,"body":"Let's see what the better deal"},{"speaker":"Meghan Smallwood","startTime":569.14,"endTime":573.01,"body":"is. And just, you know, making"},{"speaker":"Meghan Smallwood","startTime":573.01,"endTime":576.1,"body":"them involved so that they"},{"speaker":"Meghan Smallwood","startTime":573.01,"endTime":576.1,"body":"understand a little better."},{"speaker":"Patrick Cadigan","startTime":576.4,"endTime":579.76,"body":"Yeah, that"},{"speaker":"Patrick Cadigan","startTime":576.4,"endTime":579.76,"body":"sounds really good. And with"},{"speaker":"Patrick Cadigan","startTime":579.76,"endTime":584.62,"body":"that, this has been a relatively"},{"speaker":"Patrick Cadigan","startTime":579.76,"endTime":584.62,"body":"short conversation, even though"},{"speaker":"Patrick Cadigan","startTime":584.62,"endTime":589.3,"body":"we try to keep our discussions"},{"speaker":"Patrick Cadigan","startTime":584.62,"endTime":589.3,"body":"short, but these are really"},{"speaker":"Patrick Cadigan","startTime":589.3,"endTime":594.94,"body":"designed and intended to start a"},{"speaker":"Patrick Cadigan","startTime":589.3,"endTime":594.94,"body":"conversation within families and"},{"speaker":"Patrick Cadigan","startTime":595.21,"endTime":599.83,"body":"and we hope that that this is"},{"speaker":"Patrick Cadigan","startTime":595.21,"endTime":599.83,"body":"helping just a little bit. I"},{"speaker":"Patrick Cadigan","startTime":599.86,"endTime":603.19,"body":"think I can speak for Meghan,"},{"speaker":"Patrick Cadigan","startTime":599.86,"endTime":603.19,"body":"when we say that we're really"},{"speaker":"Patrick Cadigan","startTime":603.19,"endTime":605.83,"body":"looking forward to getting back"},{"speaker":"Patrick Cadigan","startTime":603.19,"endTime":605.83,"body":"to kind of like a more regular"},{"speaker":"Patrick Cadigan","startTime":605.83,"endTime":608.41,"body":"schedule and health. And umm..."},{"speaker":"Meghan Smallwood","startTime":608.41,"endTime":608.47,"body":"Yeah."},{"speaker":"Patrick Cadigan","startTime":609.55,"endTime":610.6,"body":"But boy, oh"},{"speaker":"Patrick Cadigan","startTime":609.55,"endTime":610.6,"body":"boy."},{"speaker":"Meghan Smallwood","startTime":611.26,"endTime":613.09,"body":"I do like"},{"speaker":"Meghan Smallwood","startTime":611.26,"endTime":613.09,"body":"these topics, though, and I"},{"speaker":"Meghan Smallwood","startTime":613.09,"endTime":616.09,"body":"think it is great for families"},{"speaker":"Meghan Smallwood","startTime":613.09,"endTime":616.09,"body":"to think about these things, and"},{"speaker":"Meghan Smallwood","startTime":616.09,"endTime":618.52,"body":"even if it just, you know,"},{"speaker":"Meghan Smallwood","startTime":616.09,"endTime":618.52,"body":"plants the seed, talk to other"},{"speaker":"Meghan Smallwood","startTime":618.52,"endTime":622.36,"body":"people, find out what they might"},{"speaker":"Meghan Smallwood","startTime":618.52,"endTime":622.36,"body":"be doing for their child or, you"},{"speaker":"Meghan Smallwood","startTime":622.36,"endTime":625.9,"body":"know, young adult with a"},{"speaker":"Meghan Smallwood","startTime":622.36,"endTime":625.9,"body":"disability. It just helps to get"},{"speaker":"Meghan Smallwood","startTime":625.9,"endTime":626.5,"body":"you thinking"},{"speaker":"Patrick Cadigan","startTime":626.8,"endTime":628.81,"body":"Yeah, and"},{"speaker":"Patrick Cadigan","startTime":626.8,"endTime":628.81,"body":"always keep in mind that there"},{"speaker":"Patrick Cadigan","startTime":628.81,"endTime":631.45,"body":"are links in the show notes to"},{"speaker":"Patrick Cadigan","startTime":628.81,"endTime":631.45,"body":"the things that we discuss and"},{"speaker":"Patrick Cadigan","startTime":631.45,"endTime":635.02,"body":"some resources that we think we"},{"speaker":"Patrick Cadigan","startTime":631.45,"endTime":635.02,"body":"could that can be helpful. So"},{"speaker":"Patrick Cadigan","startTime":635.02,"endTime":637.48,"body":"yeah, just because the"},{"speaker":"Patrick Cadigan","startTime":635.02,"endTime":637.48,"body":"conversation is short doesn't"},{"speaker":"Patrick Cadigan","startTime":637.48,"endTime":641.47,"body":"mean that there's not more to"},{"speaker":"Patrick Cadigan","startTime":637.48,"endTime":641.47,"body":"dive into and look into."},{"speaker":"Meghan Smallwood","startTime":641.0,"endTime":643.7,"body":"Right. And"},{"speaker":"Meghan Smallwood","startTime":641.0,"endTime":643.7,"body":"we're always happy to continue"},{"speaker":"Meghan Smallwood","startTime":643.7,"endTime":646.22,"body":"the conversation about these"},{"speaker":"Meghan Smallwood","startTime":643.7,"endTime":646.22,"body":"topics in later times too."},{"speaker":"Patrick Cadigan","startTime":646.49,"endTime":648.41,"body":"Sounds good."},{"speaker":"Patrick Cadigan","startTime":646.49,"endTime":648.41,"body":"All right. Well, thanks"},{"speaker":"Patrick Cadigan","startTime":648.41,"endTime":650.87,"body":"everybody, and we will catch up"},{"speaker":"Patrick Cadigan","startTime":648.41,"endTime":650.87,"body":"with you soon."},{"speaker":"Meghan Smallwood","startTime":651.22,"endTime":652.06,"body":"All right,"},{"speaker":"Meghan Smallwood","startTime":651.22,"endTime":652.06,"body":"thank you."},{"speaker":"Meghan Smallwood","startTime":660.52,"endTime":664.174,"body":"As always, you'll find links to"},{"speaker":"Meghan Smallwood","startTime":660.52,"endTime":664.174,"body":"the information from our"},{"speaker":"Meghan Smallwood","startTime":664.239,"endTime":667.762,"body":"conversations in our show notes."},{"speaker":"Meghan Smallwood","startTime":664.239,"endTime":667.762,"body":"We would love for the"},{"speaker":"Meghan Smallwood","startTime":667.828,"endTime":671.743,"body":"information from this and all"},{"speaker":"Meghan Smallwood","startTime":667.828,"endTime":671.743,"body":"our other discussions to reach"},{"speaker":"Meghan Smallwood","startTime":671.808,"endTime":675.527,"body":"as many families as possible,"},{"speaker":"Meghan Smallwood","startTime":671.808,"endTime":675.527,"body":"and we need your help to do"},{"speaker":"Meghan Smallwood","startTime":675.592,"endTime":678.137,"body":"that. You can find our"},{"speaker":"Meghan Smallwood","startTime":675.592,"endTime":678.137,"body":"conversations at"},{"speaker":"Meghan Smallwood","startTime":678.202,"endTime":681.987,"body":"www.p2transition.com, like,"},{"speaker":"Meghan Smallwood","startTime":678.202,"endTime":681.987,"body":"follow, share out the podcast."},{"speaker":"Meghan Smallwood","startTime":682.052,"endTime":685.706,"body":"Our conversations are posted to"},{"speaker":"Meghan Smallwood","startTime":682.052,"endTime":685.706,"body":"all the major platforms,"},{"speaker":"Meghan Smallwood","startTime":685.771,"endTime":689.23,"body":"including Apple podcasts,"},{"speaker":"Meghan Smallwood","startTime":685.771,"endTime":689.23,"body":"Spotify, YouTube music, and"},{"speaker":"Meghan Smallwood","startTime":689.295,"endTime":693.08,"body":"that's just naming a few. So"},{"speaker":"Meghan Smallwood","startTime":689.295,"endTime":693.08,"body":"please share and share often."},{"speaker":"Patrick Cadigan","startTime":692.74,"endTime":695.05,"body":"Please check"},{"speaker":"Patrick Cadigan","startTime":692.74,"endTime":695.05,"body":"out our YouTube channel. We've"},{"speaker":"Patrick Cadigan","startTime":695.05,"endTime":697.96,"body":"done some of the legwork for you"},{"speaker":"Patrick Cadigan","startTime":695.05,"endTime":697.96,"body":"by curating videos of topics"},{"speaker":"Patrick Cadigan","startTime":697.96,"endTime":701.2,"body":"that revolve around transition."},{"speaker":"Patrick Cadigan","startTime":697.96,"endTime":701.2,"body":"We have playlists for"},{"speaker":"Patrick Cadigan","startTime":701.2,"endTime":704.35,"body":"guardianship, alternatives to"},{"speaker":"Patrick Cadigan","startTime":701.2,"endTime":704.35,"body":"guardianship ABLE accounts, and"},{"speaker":"Patrick Cadigan","startTime":704.35,"endTime":707.23,"body":"there's more to come, so please"},{"speaker":"Patrick Cadigan","startTime":704.35,"endTime":707.23,"body":"be sure to subscribe there as"},{"speaker":"Patrick Cadigan","startTime":707.23,"endTime":710.83,"body":"well. And finally, check out our"},{"speaker":"Patrick Cadigan","startTime":707.23,"endTime":710.83,"body":"website, which is full of"},{"speaker":"Patrick Cadigan","startTime":710.83,"endTime":713.8,"body":"information and links to"},{"speaker":"Patrick Cadigan","startTime":710.83,"endTime":713.8,"body":"resources around the transition"},{"speaker":"Patrick Cadigan","startTime":713.8,"endTime":717.46,"body":"process. Open your web browser"},{"speaker":"Patrick Cadigan","startTime":713.8,"endTime":717.46,"body":"of choice and surf to"},{"speaker":"Patrick Cadigan","startTime":718.9,"endTime":723.7,"body":"www.postsecondarytransition.com"},{"speaker":"Patrick Cadigan","startTime":718.9,"endTime":723.7,"body":"we thank you so much for the"},{"speaker":"Patrick Cadigan","startTime":723.7,"endTime":726.37,"body":"time that you've spent with us,"},{"speaker":"Patrick Cadigan","startTime":723.7,"endTime":726.37,"body":"and look forward to talking"},{"speaker":"Patrick Cadigan","startTime":726.37,"endTime":727.15,"body":"again soon."}]}