{"version":"1.0.0","segments":[{"speaker":"Unknown","startTime":9.33,"endTime":14.37,"body":"Welcome to The Real"},{"speaker":"Unknown","startTime":9.33,"endTime":14.37,"body":"advisor podcast, t r a p twerp"},{"speaker":"Unknown","startTime":14.76,"endTime":17.97,"body":"please follow us and join in the"},{"speaker":"Unknown","startTime":14.76,"endTime":17.97,"body":"conversation on Twitter at"},{"speaker":"Unknown","startTime":17.97,"endTime":21.72,"body":"advisor podcast where you can"},{"speaker":"Unknown","startTime":17.97,"endTime":21.72,"body":"suggest ideas and themes you'd"},{"speaker":"Unknown","startTime":21.72,"endTime":25.17,"body":"like the track team to discuss."},{"speaker":"Unknown","startTime":21.72,"endTime":25.17,"body":"Also remember to like and"},{"speaker":"Unknown","startTime":25.17,"endTime":28.83,"body":"subscribe to our YouTube channel"},{"speaker":"Unknown","startTime":25.17,"endTime":28.83,"body":"and leave a six out of five star"},{"speaker":"Unknown","startTime":28.83,"endTime":32.79,"body":"review on iTunes. Doing all this"},{"speaker":"Unknown","startTime":28.83,"endTime":32.79,"body":"really really helps us which"},{"speaker":"Unknown","startTime":32.79,"endTime":36.24,"body":"means we can do more to help"},{"speaker":"Unknown","startTime":32.79,"endTime":36.24,"body":"you. Now let's head over to the"},{"speaker":"Unknown","startTime":36.24,"endTime":38.58,"body":"studio for the latest pilot trap"},{"speaker":"Nick Lincoln","startTime":44.52,"endTime":46.83,"body":"yes, indeed, dear"},{"speaker":"Nick Lincoln","startTime":44.52,"endTime":46.83,"body":"TRAPPIST, welcome back to"},{"speaker":"Nick Lincoln","startTime":46.83,"endTime":51.81,"body":"episode seven of the real"},{"speaker":"Nick Lincoln","startTime":46.83,"endTime":51.81,"body":"advisor podcast te R A P. Trap."},{"speaker":"Nick Lincoln","startTime":51.81,"endTime":55.41,"body":"My name is Nick Lincoln joining"},{"speaker":"Nick Lincoln","startTime":51.81,"endTime":55.41,"body":"me as ever in the digital studio"},{"speaker":"Nick Lincoln","startTime":55.41,"endTime":62.16,"body":"of doom are on Smith, Carl"},{"speaker":"Nick Lincoln","startTime":55.41,"endTime":62.16,"body":"widger and Andy Hart. Welcome"},{"speaker":"Nick Lincoln","startTime":62.16,"endTime":65.34,"body":"back. Gentlemen, my name is Nick"},{"speaker":"Nick Lincoln","startTime":62.16,"endTime":65.34,"body":"Lincoln evidence so that already"},{"speaker":"Nick Lincoln","startTime":65.97,"endTime":68.67,"body":"we have a show pack full of"},{"speaker":"Nick Lincoln","startTime":65.97,"endTime":68.67,"body":"absolutely nothing today so"},{"speaker":"Nick Lincoln","startTime":68.67,"endTime":70.89,"body":"let's begin unpacking it"},{"speaker":"Nick Lincoln","startTime":68.67,"endTime":70.89,"body":"straightaway just with some"},{"speaker":"Nick Lincoln","startTime":70.89,"endTime":73.41,"body":"topical stuff. Obviously there's"},{"speaker":"Nick Lincoln","startTime":70.89,"endTime":73.41,"body":"a there's a football tournament"},{"speaker":"Nick Lincoln","startTime":73.41,"endTime":75.3,"body":"going on in Qatar at the moment."},{"speaker":"Alan Smith","startTime":77.52,"endTime":79.71,"body":"You watch like Nick,"},{"speaker":"Alan Smith","startTime":77.52,"endTime":79.71,"body":"I saw a tiki ball"},{"speaker":"Nick Lincoln","startTime":79.74,"endTime":80.97,"body":"there's a kickball"},{"speaker":"Nick Lincoln","startTime":79.74,"endTime":80.97,"body":"going on."},{"speaker":"Andy Hart","startTime":82.26,"endTime":83.73,"body":"You say football"},{"speaker":"Andy Hart","startTime":82.26,"endTime":83.73,"body":"what's happening? Well"},{"speaker":"Nick Lincoln","startTime":83.73,"endTime":85.17,"body":"I'm trying I'm"},{"speaker":"Nick Lincoln","startTime":83.73,"endTime":85.17,"body":"trying to be respectful to the"},{"speaker":"Nick Lincoln","startTime":85.17,"endTime":88.32,"body":"fact that you guys like this"},{"speaker":"Nick Lincoln","startTime":85.17,"endTime":88.32,"body":"inane game and I sense from the"},{"speaker":"Nick Lincoln","startTime":88.71,"endTime":92.28,"body":"even you you guys are slightly"},{"speaker":"Nick Lincoln","startTime":88.71,"endTime":92.28,"body":"disengaged from it for reasons"},{"speaker":"Nick Lincoln","startTime":92.28,"endTime":94.68,"body":"that I think are obvious to"},{"speaker":"Nick Lincoln","startTime":92.28,"endTime":94.68,"body":"anyone with a heart and with any"},{"speaker":"Nick Lincoln","startTime":94.68,"endTime":96.63,"body":"ounce of humanity that Katara"},{"speaker":"Nick Lincoln","startTime":94.68,"endTime":96.63,"body":"dump"},{"speaker":"Andy Hart","startTime":96.99,"endTime":99.0,"body":"just a big Thank you"},{"speaker":"Andy Hart","startTime":96.99,"endTime":99.0,"body":"Nick for you sending me this in"},{"speaker":"Andy Hart","startTime":99.0,"endTime":104.52,"body":"the post the quality of it is"},{"speaker":"Andy Hart","startTime":99.0,"endTime":104.52,"body":"somewhat questionable but the"},{"speaker":"Andy Hart","startTime":104.88,"endTime":106.41,"body":"thought that counts the"},{"speaker":"Nick Lincoln","startTime":106.41,"endTime":109.56,"body":"glass works all"},{"speaker":"Nick Lincoln","startTime":106.41,"endTime":109.56,"body":"right if it if it's if it looks"},{"speaker":"Nick Lincoln","startTime":109.56,"endTime":110.22,"body":"all right it looks"},{"speaker":"Andy Hart","startTime":110.73,"endTime":113.01,"body":"quite nice that he"},{"speaker":"Andy Hart","startTime":110.73,"endTime":113.01,"body":"got it from the same place but I"},{"speaker":"Andy Hart","startTime":113.01,"endTime":114.48,"body":"think it's got days before it"},{"speaker":"Alan Smith","startTime":114.63,"endTime":117.51,"body":"what actually is it"},{"speaker":"Alan Smith","startTime":114.63,"endTime":117.51,"body":"thank you also for mine Nick but"},{"speaker":"Alan Smith","startTime":117.51,"endTime":118.05,"body":"what is it"},{"speaker":"Nick Lincoln","startTime":118.44,"endTime":119.91,"body":"well it's been a"},{"speaker":"Nick Lincoln","startTime":118.44,"endTime":119.91,"body":"branding stick in the back of"},{"speaker":"Nick Lincoln","startTime":119.91,"endTime":124.59,"body":"your wherever you're recording"},{"speaker":"Nick Lincoln","startTime":119.91,"endTime":124.59,"body":"so and see the same brand. I'm"},{"speaker":"Nick Lincoln","startTime":124.59,"endTime":127.74,"body":"sorry, those of you listening"},{"speaker":"Nick Lincoln","startTime":124.59,"endTime":127.74,"body":"via podcast Mr. Hart is holding"},{"speaker":"Nick Lincoln","startTime":127.74,"endTime":130.92,"body":"up a glass perspex thing that we"},{"speaker":"Nick Lincoln","startTime":127.74,"endTime":130.92,"body":"wouldn't know about from that"},{"speaker":"Nick Lincoln","startTime":130.92,"endTime":133.02,"body":"very well they will be watching"},{"speaker":"Nick Lincoln","startTime":130.92,"endTime":133.02,"body":"on YouTube"},{"speaker":"Andy Hart","startTime":133.17,"endTime":135.18,"body":"listening to this you"},{"speaker":"Andy Hart","startTime":133.17,"endTime":135.18,"body":"should be watching on YouTube"},{"speaker":"Andy Hart","startTime":135.18,"endTime":135.93,"body":"Get with the program"},{"speaker":"Alan Smith","startTime":135.96,"endTime":137.34,"body":"true not true."},{"speaker":"Nick Lincoln","startTime":137.79,"endTime":140.19,"body":"So this is cable"},{"speaker":"Nick Lincoln","startTime":137.79,"endTime":140.19,"body":"going on in Qatar but let's talk"},{"speaker":"Nick Lincoln","startTime":140.19,"endTime":142.62,"body":"about some with a real financial"},{"speaker":"Nick Lincoln","startTime":140.19,"endTime":142.62,"body":"adviser podcast I talk about"},{"speaker":"Nick Lincoln","startTime":142.62,"endTime":145.32,"body":"real sport just very quickly in"},{"speaker":"Nick Lincoln","startTime":142.62,"endTime":145.32,"body":"the autumn internationals the"},{"speaker":"Nick Lincoln","startTime":145.32,"endTime":147.75,"body":"rugby I just I just can't ignore"},{"speaker":"Nick Lincoln","startTime":145.32,"endTime":147.75,"body":"this I think it's been such an"},{"speaker":"Nick Lincoln","startTime":148.35,"endTime":151.47,"body":"uplifting series of matches so"},{"speaker":"Nick Lincoln","startTime":148.35,"endTime":151.47,"body":"far it's been everything good"},{"speaker":"Nick Lincoln","startTime":151.47,"endTime":154.41,"body":"about nations and supporters"},{"speaker":"Nick Lincoln","startTime":151.47,"endTime":154.41,"body":"supporting their teams but doing"},{"speaker":"Nick Lincoln","startTime":154.41,"endTime":157.41,"body":"it in the right atmosphere and"},{"speaker":"Nick Lincoln","startTime":154.41,"endTime":157.41,"body":"some great great games South"},{"speaker":"Nick Lincoln","startTime":157.41,"endTime":161.25,"body":"Africa beating Ireland a few"},{"speaker":"Nick Lincoln","startTime":157.41,"endTime":161.25,"body":"years ago would have been news"},{"speaker":"Nick Lincoln","startTime":161.25,"endTime":163.53,"body":"and now it's taken for granted"},{"speaker":"Nick Lincoln","startTime":161.25,"endTime":163.53,"body":"that Ireland paved the way they"},{"speaker":"Nick Lincoln","startTime":163.53,"endTime":166.17,"body":"are there and it will do that"},{"speaker":"Nick Lincoln","startTime":163.53,"endTime":166.17,"body":"and and so credit to them. Let's"},{"speaker":"Nick Lincoln","startTime":166.17,"endTime":168.66,"body":"all hope they maintain this form"},{"speaker":"Nick Lincoln","startTime":166.17,"endTime":168.66,"body":"into the World Cup because I"},{"speaker":"Nick Lincoln","startTime":168.66,"endTime":168.9,"body":"want to"},{"speaker":"Alan Smith","startTime":170.129,"endTime":171.749,"body":"Ireland beating"},{"speaker":"Alan Smith","startTime":170.129,"endTime":171.749,"body":"South Africa you mean"},{"speaker":"Carl Widger","startTime":173.28,"endTime":174.45,"body":"I was gonna let him"},{"speaker":"Carl Widger","startTime":173.28,"endTime":174.45,"body":"go"},{"speaker":"Nick Lincoln","startTime":177.72,"endTime":179.91,"body":"I've been in South"},{"speaker":"Nick Lincoln","startTime":177.72,"endTime":179.91,"body":"Africa Yeah, I mean an immense"},{"speaker":"Nick Lincoln","startTime":179.91,"endTime":183.27,"body":"before. Number one he doesn't"},{"speaker":"Nick Lincoln","startTime":179.91,"endTime":183.27,"body":"want the world to say it COVID"},{"speaker":"Nick Lincoln","startTime":183.27,"endTime":185.82,"body":"doesn't know I'm actually I"},{"speaker":"Nick Lincoln","startTime":183.27,"endTime":185.82,"body":"think it's brilliant. I want I"},{"speaker":"Nick Lincoln","startTime":185.82,"endTime":188.79,"body":"want Ireland to be strong in the"},{"speaker":"Nick Lincoln","startTime":185.82,"endTime":188.79,"body":"World Cup. I want a strong Irish"},{"speaker":"Nick Lincoln","startTime":188.79,"endTime":191.73,"body":"team. It'd be good for the World"},{"speaker":"Nick Lincoln","startTime":188.79,"endTime":191.73,"body":"Cup. And I I know you guys,"},{"speaker":"Nick Lincoln","startTime":192.15,"endTime":196.32,"body":"Colin and Alan. You won't do but"},{"speaker":"Nick Lincoln","startTime":192.15,"endTime":196.32,"body":"I do root for every Home Nations"},{"speaker":"Nick Lincoln","startTime":196.32,"endTime":198.48,"body":"team after England. I want all"},{"speaker":"Nick Lincoln","startTime":196.32,"endTime":198.48,"body":"the Home Nations teams to do"},{"speaker":"Nick Lincoln","startTime":198.48,"endTime":200.25,"body":"well. I'd love to see Ireland."},{"speaker":"Nick Lincoln","startTime":198.48,"endTime":200.25,"body":"No I do"},{"speaker":"Carl Widger","startTime":200.28,"endTime":202.65,"body":"except just except"},{"speaker":"Carl Widger","startTime":200.28,"endTime":202.65,"body":"for England. Yeah."},{"speaker":"Nick Lincoln","startTime":203.099,"endTime":204.959,"body":"Likewise and"},{"speaker":"Alan Smith","startTime":206.43,"endTime":207.96,"body":"against the All"},{"speaker":"Alan Smith","startTime":206.43,"endTime":207.96,"body":"Blacks so good. Get Yeah,"},{"speaker":"Alan Smith","startTime":207.96,"endTime":208.59,"body":"Argentina,"},{"speaker":"Nick Lincoln","startTime":208.8,"endTime":211.29,"body":"Argentina, beating"},{"speaker":"Nick Lincoln","startTime":208.8,"endTime":211.29,"body":"England, pouring them fantastic."},{"speaker":"Nick Lincoln","startTime":211.29,"endTime":214.08,"body":"But the upsets for me were"},{"speaker":"Nick Lincoln","startTime":211.29,"endTime":214.08,"body":"firstly Italy, beating"},{"speaker":"Nick Lincoln","startTime":214.53,"endTime":216.99,"body":"Australia, which was just"},{"speaker":"Nick Lincoln","startTime":214.53,"endTime":216.99,"body":"brilliant. And then of course"},{"speaker":"Nick Lincoln","startTime":216.99,"endTime":221.19,"body":"Georgia beating Wales. Yeah."},{"speaker":"Nick Lincoln","startTime":216.99,"endTime":221.19,"body":"Last weekend and then and the"},{"speaker":"Nick Lincoln","startTime":221.19,"endTime":223.08,"body":"Scots haven't done. I mean, so"},{"speaker":"Nick Lincoln","startTime":221.19,"endTime":223.08,"body":"the Scots have won the matches"},{"speaker":"Nick Lincoln","startTime":223.08,"endTime":224.61,"body":"they should do and they've been"},{"speaker":"Nick Lincoln","startTime":223.08,"endTime":224.61,"body":"thrashed in the matches. They"},{"speaker":"Nick Lincoln","startTime":224.61,"endTime":226.98,"body":"should be thrashed in. But"},{"speaker":"Nick Lincoln","startTime":224.61,"endTime":226.98,"body":"anybody who saw Dottie we're"},{"speaker":"Nick Lincoln","startTime":226.98,"endTime":230.13,"body":"coming out before the match"},{"speaker":"Nick Lincoln","startTime":226.98,"endTime":230.13,"body":"against Argentina. Yeah, he's"},{"speaker":"Nick Lincoln","startTime":230.13,"endTime":232.41,"body":"obviously with his motor neurone"},{"speaker":"Nick Lincoln","startTime":230.13,"endTime":232.41,"body":"disease. It's not getting any"},{"speaker":"Nick Lincoln","startTime":232.41,"endTime":236.49,"body":"better. He's He's fading rapidly"},{"speaker":"Nick Lincoln","startTime":232.41,"endTime":236.49,"body":"but it was real spine tingling"},{"speaker":"Nick Lincoln","startTime":236.49,"endTime":238.47,"body":"stuff with the flower of"},{"speaker":"Nick Lincoln","startTime":236.49,"endTime":238.47,"body":"Scotland and everything else."},{"speaker":"Nick Lincoln","startTime":238.5,"endTime":241.56,"body":"Merryfield cambiemos Liam asked"},{"speaker":"Nick Lincoln","startTime":238.5,"endTime":241.56,"body":"him Twickenham, but when when"},{"speaker":"Nick Lincoln","startTime":241.56,"endTime":244.14,"body":"it's going it's properly going"},{"speaker":"Nick Lincoln","startTime":241.56,"endTime":244.14,"body":"and that was I just thought what"},{"speaker":"Nick Lincoln","startTime":244.14,"endTime":247.32,"body":"a what a great advert for sport"},{"speaker":"Nick Lincoln","startTime":244.14,"endTime":247.32,"body":"that there's these this series"},{"speaker":"Nick Lincoln","startTime":247.32,"endTime":247.65,"body":"has been"},{"speaker":"Andy Hart","startTime":248.069,"endTime":251.579,"body":"so was fantastic. The"},{"speaker":"Nick Lincoln","startTime":251.61,"endTime":254.16,"body":"Ziva the All"},{"speaker":"Nick Lincoln","startTime":251.61,"endTime":254.16,"body":"Blacks game yeah, yeah. Yeah,"},{"speaker":"Nick Lincoln","startTime":254.16,"endTime":257.04,"body":"they were the last the last"},{"speaker":"Nick Lincoln","startTime":254.16,"endTime":257.04,"body":"call. Never give up. Give up"},{"speaker":"Nick Lincoln","startTime":257.04,"endTime":258.87,"body":"never give up. Yeah, that was"},{"speaker":"Nick Lincoln","startTime":257.04,"endTime":258.87,"body":"amazing. I was a bit"},{"speaker":"Nick Lincoln","startTime":258.87,"endTime":260.43,"body":"disappointed that kicked it out."},{"speaker":"Nick Lincoln","startTime":258.87,"endTime":260.43,"body":"Actually. I thought"},{"speaker":"Andy Hart","startTime":261.389,"endTime":265.349,"body":"well, who gave that"},{"speaker":"Andy Hart","startTime":261.389,"endTime":265.349,"body":"order? Was it Marcus Smith just"},{"speaker":"Andy Hart","startTime":265.349,"endTime":266.279,"body":"decided it or was it?"},{"speaker":"Carl Widger","startTime":266.91,"endTime":269.04,"body":"Yeah, it didn't you"},{"speaker":"Carl Widger","startTime":266.91,"endTime":269.04,"body":"say afterwards Marcus Smith just"},{"speaker":"Carl Widger","startTime":269.04,"endTime":270.99,"body":"doesn't make that decision"},{"speaker":"Carl Widger","startTime":269.04,"endTime":270.99,"body":"themselves."},{"speaker":"Unknown","startTime":271.71,"endTime":273.69,"body":"That was bad. Yeah, it"},{"speaker":"Nick Lincoln","startTime":273.69,"endTime":275.82,"body":"was a friendly"},{"speaker":"Nick Lincoln","startTime":273.69,"endTime":275.82,"body":"isn't it? It's a friendly I"},{"speaker":"Nick Lincoln","startTime":275.82,"endTime":278.07,"body":"know. I know. I know. I suppose"},{"speaker":"Nick Lincoln","startTime":275.82,"endTime":278.07,"body":"Marcus Smith has got a lot of"},{"speaker":"Nick Lincoln","startTime":278.07,"endTime":280.08,"body":"credit in the bank there for the"},{"speaker":"Nick Lincoln","startTime":278.07,"endTime":280.08,"body":"way to play for the rest of the"},{"speaker":"Nick Lincoln","startTime":280.08,"endTime":282.24,"body":"game. But that was"},{"speaker":"Nick Lincoln","startTime":280.08,"endTime":282.24,"body":"disappointing. So that's what's"},{"speaker":"Nick Lincoln","startTime":282.24,"endTime":283.71,"body":"going on at the moment. We're"},{"speaker":"Nick Lincoln","startTime":282.24,"endTime":283.71,"body":"coming into the autumn the"},{"speaker":"Nick Lincoln","startTime":283.71,"endTime":287.19,"body":"leaves have turned and talking"},{"speaker":"Nick Lincoln","startTime":283.71,"endTime":287.19,"body":"of turning and the I think you"},{"speaker":"Nick Lincoln","startTime":287.19,"endTime":290.04,"body":"turned over another good"},{"speaker":"Nick Lincoln","startTime":287.19,"endTime":290.04,"body":"performance with your renowned"},{"speaker":"Nick Lincoln","startTime":290.04,"endTime":291.9,"body":"brand. I say that with all"},{"speaker":"Nick Lincoln","startTime":290.04,"endTime":291.9,"body":"seriousness that is a renowned"},{"speaker":"Nick Lincoln","startTime":291.9,"endTime":295.5,"body":"brand humans under management."},{"speaker":"Nick Lincoln","startTime":291.9,"endTime":295.5,"body":"Give us your two minute feedback"},{"speaker":"Nick Lincoln","startTime":295.5,"endTime":296.94,"body":"on this year's hum, my friend."},{"speaker":"Andy Hart","startTime":297.15,"endTime":301.8,"body":"Yeah, so we had it a"},{"speaker":"Andy Hart","startTime":297.15,"endTime":301.8,"body":"week or so ago in London. I was"},{"speaker":"Andy Hart","startTime":301.8,"endTime":304.77,"body":"potentially going to be derailed"},{"speaker":"Andy Hart","startTime":301.8,"endTime":304.77,"body":"or interrupted by the rail"},{"speaker":"Andy Hart","startTime":304.77,"endTime":308.49,"body":"strikes. That was planned"},{"speaker":"Andy Hart","startTime":304.77,"endTime":308.49,"body":"national rail strike the day"},{"speaker":"Andy Hart","startTime":308.49,"endTime":311.04,"body":"before. Then that got canceled."},{"speaker":"Andy Hart","startTime":308.49,"endTime":311.04,"body":"Everything was just a bit up in"},{"speaker":"Andy Hart","startTime":311.04,"endTime":313.59,"body":"the air and there was a London"},{"speaker":"Andy Hart","startTime":311.04,"endTime":313.59,"body":"tube strike on the day but the"},{"speaker":"Andy Hart","startTime":313.59,"endTime":315.87,"body":"London Overground was running in"},{"speaker":"Andy Hart","startTime":313.59,"endTime":315.87,"body":"the Elizabeth line. We're"},{"speaker":"Andy Hart","startTime":315.87,"endTime":318.3,"body":"running the buses and yadda"},{"speaker":"Andy Hart","startTime":315.87,"endTime":318.3,"body":"yadda yadda. So pretty much"},{"speaker":"Andy Hart","startTime":318.63,"endTime":321.06,"body":"other speakers arrive, all the"},{"speaker":"Andy Hart","startTime":318.63,"endTime":321.06,"body":"delegates and all the"},{"speaker":"Andy Hart","startTime":321.06,"endTime":324.75,"body":"exhibitors. So yeah, it was a"},{"speaker":"Andy Hart","startTime":321.06,"endTime":324.75,"body":"great show. So far from about"},{"speaker":"Andy Hart","startTime":324.75,"endTime":328.92,"body":"150 feedbacks, I asked the main"},{"speaker":"Andy Hart","startTime":324.75,"endTime":328.92,"body":"question zero to 10. How do you"},{"speaker":"Andy Hart","startTime":328.92,"endTime":332.55,"body":"rate the conference? We're at"},{"speaker":"Andy Hart","startTime":328.92,"endTime":332.55,"body":"8.5 out of 10. And the average"},{"speaker":"Andy Hart","startTime":332.55,"endTime":336.12,"body":"speaker score is just below"},{"speaker":"Andy Hart","startTime":332.55,"endTime":336.12,"body":"eight at 10. So some solid"},{"speaker":"Andy Hart","startTime":336.12,"endTime":339.6,"body":"numbers, come back in, got some"},{"speaker":"Andy Hart","startTime":336.12,"endTime":339.6,"body":"good feedback, tried a couple of"},{"speaker":"Andy Hart","startTime":339.63,"endTime":345.24,"body":"different slots, fireside chats."},{"speaker":"Andy Hart","startTime":339.63,"endTime":345.24,"body":"Me Kevin Duran, Alan Smith, Nick"},{"speaker":"Andy Hart","startTime":345.24,"endTime":349.47,"body":"Taylor. So we're going to tweak"},{"speaker":"Andy Hart","startTime":345.24,"endTime":349.47,"body":"that format. I think the timings"},{"speaker":"Andy Hart","startTime":349.47,"endTime":352.95,"body":"were were good. The venue was"},{"speaker":"Andy Hart","startTime":349.47,"endTime":352.95,"body":"good. The networking was good."},{"speaker":"Andy Hart","startTime":352.95,"endTime":357.45,"body":"So yeah, all in all, in all, a"},{"speaker":"Andy Hart","startTime":352.95,"endTime":357.45,"body":"positive outcome. And Nick, you"},{"speaker":"Andy Hart","startTime":357.45,"endTime":361.2,"body":"smoked spoke and Alan, you were"},{"speaker":"Andy Hart","startTime":357.45,"endTime":361.2,"body":"on a fireside chat. Car was"},{"speaker":"Andy Hart","startTime":361.2,"endTime":365.43,"body":"still. Anyway, you had the next"},{"speaker":"Andy Hart","startTime":361.2,"endTime":365.43,"body":"year important family occasion"},{"speaker":"Andy Hart","startTime":365.43,"endTime":369.48,"body":"to attend to. So yeah, it was"},{"speaker":"Andy Hart","startTime":365.43,"endTime":369.48,"body":"fantastic. Really. Almost the"},{"speaker":"Andy Hart","startTime":369.48,"endTime":371.22,"body":"next year, I think next year is"},{"speaker":"Andy Hart","startTime":369.48,"endTime":371.22,"body":"going to be on the 10th of"},{"speaker":"Andy Hart","startTime":371.22,"endTime":373.29,"body":"November this year was the ninth"},{"speaker":"Andy Hart","startTime":371.22,"endTime":373.29,"body":"next year is going to be the"},{"speaker":"Andy Hart","startTime":373.29,"endTime":376.8,"body":"10th. Yeah, when looking forward"},{"speaker":"Andy Hart","startTime":373.29,"endTime":376.8,"body":"to doing it again,"},{"speaker":"Alan Smith","startTime":376.8,"endTime":380.34,"body":"really? Could I just"},{"speaker":"Alan Smith","startTime":376.8,"endTime":380.34,"body":"say that, and I do take the"},{"speaker":"Alan Smith","startTime":380.34,"endTime":383.61,"body":"mickey out of view a lot about"},{"speaker":"Alan Smith","startTime":380.34,"endTime":383.61,"body":"lots of different things. But"},{"speaker":"Alan Smith","startTime":384.03,"endTime":387.09,"body":"it's a hell of an achievement. I"},{"speaker":"Alan Smith","startTime":384.03,"endTime":387.09,"body":"mean, it really is a hell of an"},{"speaker":"Alan Smith","startTime":387.09,"endTime":389.04,"body":"achievement. You put I know,"},{"speaker":"Alan Smith","startTime":387.09,"endTime":389.04,"body":"you've got sort of support"},{"speaker":"Alan Smith","startTime":389.04,"endTime":392.46,"body":"teams, so on. But I couldn't do"},{"speaker":"Alan Smith","startTime":389.04,"endTime":392.46,"body":"that myself, I would have been"},{"speaker":"Alan Smith","startTime":392.46,"endTime":394.5,"body":"just a nervous wreck from"},{"speaker":"Alan Smith","startTime":392.46,"endTime":394.5,"body":"something like that on"},{"speaker":"Carl Widger","startTime":395.28,"endTime":399.63,"body":"a full credit to"},{"speaker":"Carl Widger","startTime":395.28,"endTime":399.63,"body":"you, I must say 100%. And I know"},{"speaker":"Carl Widger","startTime":399.63,"endTime":402.39,"body":"we spoke about an event we ran"},{"speaker":"Carl Widger","startTime":399.63,"endTime":402.39,"body":"there a while ago. And I know"},{"speaker":"Carl Widger","startTime":402.39,"endTime":405.72,"body":"the stress and the strain coming"},{"speaker":"Carl Widger","startTime":402.39,"endTime":405.72,"body":"up to those events, and you hide"},{"speaker":"Carl Widger","startTime":405.72,"endTime":409.5,"body":"it remarkably well. And you"},{"speaker":"Carl Widger","startTime":405.72,"endTime":409.5,"body":"really do. And I guess that's"},{"speaker":"Carl Widger","startTime":409.53,"endTime":412.5,"body":"probably the experience, you"},{"speaker":"Carl Widger","startTime":409.53,"endTime":412.5,"body":"have no undoing them. But I"},{"speaker":"Carl Widger","startTime":412.5,"endTime":415.47,"body":"spoke to a number of Irish"},{"speaker":"Carl Widger","startTime":412.5,"endTime":415.47,"body":"advisors who went over and the"},{"speaker":"Carl Widger","startTime":415.47,"endTime":418.86,"body":"feedback was phenomenal. So like"},{"speaker":"Carl Widger","startTime":415.47,"endTime":418.86,"body":"to keep it to keep rolling it"},{"speaker":"Carl Widger","startTime":418.86,"endTime":422.73,"body":"out. And to I like I really"},{"speaker":"Carl Widger","startTime":418.86,"endTime":422.73,"body":"liked that you're tweaking it a"},{"speaker":"Carl Widger","startTime":422.73,"endTime":424.83,"body":"small bit, because I think"},{"speaker":"Carl Widger","startTime":422.73,"endTime":424.83,"body":"that's the challenge for any"},{"speaker":"Carl Widger","startTime":424.83,"endTime":428.46,"body":"event like this is to, you know,"},{"speaker":"Carl Widger","startTime":424.83,"endTime":428.46,"body":"keep refreshing and freshening"},{"speaker":"Carl Widger","startTime":428.46,"endTime":430.89,"body":"things up. And I think you've"},{"speaker":"Carl Widger","startTime":428.46,"endTime":430.89,"body":"done that. And I think it was a"},{"speaker":"Carl Widger","startTime":430.89,"endTime":433.65,"body":"massive success. So well done."},{"speaker":"Carl Widger","startTime":430.89,"endTime":433.65,"body":"Congratulations. Thank you."},{"speaker":"Nick Lincoln","startTime":434.01,"endTime":435.6,"body":"Yeah. And then"},{"speaker":"Nick Lincoln","startTime":434.01,"endTime":435.6,"body":"I'll second everything said"},{"speaker":"Nick Lincoln","startTime":435.6,"endTime":440.07,"body":"there. And Mr. Smith. What"},{"speaker":"Nick Lincoln","startTime":435.6,"endTime":440.07,"body":"literally a stone's throw from"},{"speaker":"Nick Lincoln","startTime":440.43,"endTime":444.69,"body":"the Royal College of Physicians."},{"speaker":"Nick Lincoln","startTime":440.43,"endTime":444.69,"body":"You had a conference a week or"},{"speaker":"Nick Lincoln","startTime":444.69,"endTime":449.22,"body":"so later at dimensionals offices"},{"speaker":"Nick Lincoln","startTime":444.69,"endTime":449.22,"body":"in the Triton squares. And how"},{"speaker":"Nick Lincoln","startTime":449.22,"endTime":450.6,"body":"was that Mr. Smith? Well, well,"},{"speaker":"Alan Smith","startTime":451.65,"endTime":454.47,"body":"let me first correct"},{"speaker":"Alan Smith","startTime":451.65,"endTime":454.47,"body":"you on that because it wasn't in"},{"speaker":"Alan Smith","startTime":454.47,"endTime":458.61,"body":"Triton square, or their office,"},{"speaker":"Alan Smith","startTime":454.47,"endTime":458.61,"body":"which they normally are as you"},{"speaker":"Alan Smith","startTime":458.61,"endTime":462.51,"body":"know, in that same area No, this"},{"speaker":"Alan Smith","startTime":458.61,"endTime":462.51,"body":"event was held at didn't you"},{"speaker":"Alan Smith","startTime":462.51,"endTime":466.38,"body":"probably didn't know this even"},{"speaker":"Alan Smith","startTime":462.51,"endTime":466.38,"body":"existed. London campus of"},{"speaker":"Alan Smith","startTime":466.41,"endTime":470.49,"body":"Chicago Booth School of Finance,"},{"speaker":"Alan Smith","startTime":466.41,"endTime":470.49,"body":"you know, school business school"},{"speaker":"Alan Smith","startTime":470.49,"endTime":474.48,"body":"because Business School Business"},{"speaker":"Alan Smith","startTime":470.49,"endTime":474.48,"body":"School Chicago back end of"},{"speaker":"Alan Smith","startTime":474.48,"endTime":475.89,"body":"Clerkenwell didn't it run that"},{"speaker":"Carl Widger","startTime":476.4,"endTime":478.89,"body":"barbecue and"},{"speaker":"Carl Widger","startTime":476.4,"endTime":478.89,"body":"barbecue barbecue in London,"},{"speaker":"Carl Widger","startTime":479.01,"endTime":480.33,"body":"London. Zoo guys move"},{"speaker":"Alan Smith","startTime":480.33,"endTime":482.88,"body":"on central logic."},{"speaker":"Alan Smith","startTime":480.33,"endTime":482.88,"body":"Oh, I must say I mean this"},{"speaker":"Alan Smith","startTime":482.88,"endTime":485.46,"body":"obviously David booth, the"},{"speaker":"Alan Smith","startTime":482.88,"endTime":485.46,"body":"founder of dimensional I guess"},{"speaker":"Alan Smith","startTime":485.46,"endTime":488.13,"body":"he's made a few bob over the"},{"speaker":"Alan Smith","startTime":485.46,"endTime":488.13,"body":"years. And he's got a billion"},{"speaker":"Alan Smith","startTime":488.16,"endTime":491.85,"body":"college campus named after him."},{"speaker":"Alan Smith","startTime":488.16,"endTime":491.85,"body":"This is the London or the"},{"speaker":"Alan Smith","startTime":491.85,"endTime":496.11,"body":"Europe. Division of that. And it"},{"speaker":"Alan Smith","startTime":491.85,"endTime":496.11,"body":"is an extraordinary beautiful"},{"speaker":"Alan Smith","startTime":496.11,"endTime":498.75,"body":"building. Everything about it is"},{"speaker":"Alan Smith","startTime":496.11,"endTime":498.75,"body":"fantastic. And it's a great"},{"speaker":"Alan Smith","startTime":498.75,"endTime":500.49,"body":"place to have an event."},{"speaker":"Alan Smith","startTime":498.75,"endTime":500.49,"body":"Obviously there's there's"},{"speaker":"Alan Smith","startTime":500.52,"endTime":502.95,"body":"students studying, they're doing"},{"speaker":"Alan Smith","startTime":500.52,"endTime":502.95,"body":"all this sort of Business and"},{"speaker":"Alan Smith","startTime":502.95,"endTime":505.8,"body":"Economics degrees and so on and"},{"speaker":"Alan Smith","startTime":502.95,"endTime":505.8,"body":"MBAs but anyway, it was a"},{"speaker":"Alan Smith","startTime":505.8,"endTime":509.34,"body":"fantastic location. And it was a"},{"speaker":"Alan Smith","startTime":505.8,"endTime":509.34,"body":"fantastic conference. Actually,"},{"speaker":"Alan Smith","startTime":509.34,"endTime":513.24,"body":"I actually went two days for"},{"speaker":"Alan Smith","startTime":509.34,"endTime":513.24,"body":"this. The dimensional are an"},{"speaker":"Alan Smith","startTime":513.24,"endTime":516.3,"body":"interesting organization,"},{"speaker":"Alan Smith","startTime":513.24,"endTime":516.3,"body":"they'll be well known to many of"},{"speaker":"Alan Smith","startTime":516.33,"endTime":520.26,"body":"our listeners and viewers, but"},{"speaker":"Alan Smith","startTime":516.33,"endTime":520.26,"body":"maybe not. Maybe not to"},{"speaker":"Alan Smith","startTime":520.47,"endTime":523.44,"body":"everyone. What I particularly"},{"speaker":"Alan Smith","startTime":520.47,"endTime":523.44,"body":"like about them and the"},{"speaker":"Alan Smith","startTime":523.44,"endTime":527.46,"body":"conferences they do the kind of"},{"speaker":"Alan Smith","startTime":523.44,"endTime":527.46,"body":"I'm looking at the the agenda"},{"speaker":"Alan Smith","startTime":527.49,"endTime":530.58,"body":"there was practically nothing"},{"speaker":"Alan Smith","startTime":527.49,"endTime":530.58,"body":"you don't forget there, the fund"},{"speaker":"Alan Smith","startTime":530.58,"endTime":533.1,"body":"manager on the they're an asset"},{"speaker":"Alan Smith","startTime":530.58,"endTime":533.1,"body":"management business with nearly"},{"speaker":"Alan Smith","startTime":533.1,"endTime":537.15,"body":"a trillion dollars of assets."},{"speaker":"Alan Smith","startTime":533.1,"endTime":537.15,"body":"But almost nothing was talked"},{"speaker":"Alan Smith","startTime":537.15,"endTime":540.09,"body":"about funds and portfolios and"},{"speaker":"Alan Smith","startTime":537.15,"endTime":540.09,"body":"investments. It was you know"},{"speaker":"Alan Smith","startTime":540.09,"endTime":542.85,"body":"everything but what they do"},{"speaker":"Alan Smith","startTime":540.09,"endTime":542.85,"body":"really well as an organization"},{"speaker":"Alan Smith","startTime":542.85,"endTime":545.88,"body":"is the identify what the key"},{"speaker":"Alan Smith","startTime":542.85,"endTime":545.88,"body":"challenges are for their clients"},{"speaker":"Alan Smith","startTime":546.27,"endTime":548.79,"body":"and their clients or advisors,"},{"speaker":"Alan Smith","startTime":546.27,"endTime":548.79,"body":"you can't get access to their"},{"speaker":"Alan Smith","startTime":548.79,"endTime":551.7,"body":"funds direct to consumer or it's"},{"speaker":"Alan Smith","startTime":548.79,"endTime":551.7,"body":"very, very difficult to do so"},{"speaker":"Alan Smith","startTime":551.7,"endTime":556.5,"body":"understand. The core business is"},{"speaker":"Alan Smith","startTime":551.7,"endTime":556.5,"body":"to support clients identify the"},{"speaker":"Alan Smith","startTime":556.5,"endTime":558.42,"body":"key issues and challenges"},{"speaker":"Alan Smith","startTime":556.5,"endTime":558.42,"body":"they've got. So the agenda was"},{"speaker":"Alan Smith","startTime":558.42,"endTime":560.82,"body":"full of things like how would"},{"speaker":"Alan Smith","startTime":558.42,"endTime":560.82,"body":"you demonstrate value to"},{"speaker":"Alan Smith","startTime":560.82,"endTime":563.28,"body":"clients, they talked about"},{"speaker":"Alan Smith","startTime":560.82,"endTime":563.28,"body":"pricing strategies, they talked"},{"speaker":"Alan Smith","startTime":563.28,"endTime":567.45,"body":"about a two page marketing plan."},{"speaker":"Alan Smith","startTime":563.28,"endTime":567.45,"body":"Really, really interesting,"},{"speaker":"Alan Smith","startTime":567.48,"endTime":571.35,"body":"useful takeaways, you know,"},{"speaker":"Alan Smith","startTime":567.48,"endTime":571.35,"body":"handouts and, and the last thing"},{"speaker":"Alan Smith","startTime":571.35,"endTime":573.84,"body":"I would say there was a"},{"speaker":"Alan Smith","startTime":571.35,"endTime":573.84,"body":"gentleman there called Cameron"},{"speaker":"Alan Smith","startTime":573.84,"endTime":579.51,"body":"Passmore who's the the head of a"},{"speaker":"Alan Smith","startTime":573.84,"endTime":579.51,"body":"Canadian advisory business who"},{"speaker":"Alan Smith","startTime":579.51,"endTime":584.13,"body":"are just like, my new best mate."},{"speaker":"Alan Smith","startTime":579.51,"endTime":584.13,"body":"Shout out to Cameron Pasmore"},{"speaker":"Alan Smith","startTime":584.13,"endTime":587.46,"body":"because guess what, he also runs"},{"speaker":"Alan Smith","startTime":584.13,"endTime":587.46,"body":"a podcast. It's a little bit"},{"speaker":"Alan Smith","startTime":587.46,"endTime":593.04,"body":"more successful than his one. He"},{"speaker":"Alan Smith","startTime":587.46,"endTime":593.04,"body":"runs a podcast called Rational"},{"speaker":"Alan Smith","startTime":593.04,"endTime":597.21,"body":"reminder he gets I think"},{"speaker":"Alan Smith","startTime":593.04,"endTime":597.21,"body":"40 50,000 downloads per episode."},{"speaker":"Alan Smith","startTime":598.32,"endTime":601.95,"body":"It's a big deal. Big thing I've"},{"speaker":"Alan Smith","startTime":598.32,"endTime":601.95,"body":"listened to a couple of episodes"},{"speaker":"Alan Smith","startTime":601.95,"endTime":604.08,"body":"I'm going to dip in a bit more"},{"speaker":"Alan Smith","startTime":601.95,"endTime":604.08,"body":"but he was fantastic he was very"},{"speaker":"Alan Smith","startTime":604.08,"endTime":607.41,"body":"very generous with his time and"},{"speaker":"Alan Smith","startTime":604.08,"endTime":607.41,"body":"he's you know, he shared a lot"},{"speaker":"Alan Smith","startTime":607.44,"endTime":610.5,"body":"and he did put a lot of his"},{"speaker":"Alan Smith","startTime":607.44,"endTime":610.5,"body":"success down to their content"},{"speaker":"Alan Smith","startTime":610.5,"endTime":613.77,"body":"creation. But you know brought a"},{"speaker":"Alan Smith","startTime":610.5,"endTime":613.77,"body":"billion dollars of new assets"},{"speaker":"Alan Smith","startTime":613.77,"endTime":616.29,"body":"last year alone a lot of it's"},{"speaker":"Alan Smith","startTime":613.77,"endTime":616.29,"body":"down to the podcast and the"},{"speaker":"Alan Smith","startTime":616.29,"endTime":619.35,"body":"whole quarter content system"},{"speaker":"Alan Smith","startTime":616.29,"endTime":619.35,"body":"that they put together so he was"},{"speaker":"Alan Smith","startTime":619.35,"endTime":621.36,"body":"he was excellent and I think"},{"speaker":"Alan Smith","startTime":619.35,"endTime":621.36,"body":"dimensional do that. Well, they"},{"speaker":"Alan Smith","startTime":621.36,"endTime":624.84,"body":"bring in people who have shit"},{"speaker":"Alan Smith","startTime":621.36,"endTime":624.84,"body":"who have enjoyed success, who"},{"speaker":"Alan Smith","startTime":624.84,"endTime":626.94,"body":"were very generous with their"},{"speaker":"Alan Smith","startTime":624.84,"endTime":626.94,"body":"time and sharing all the sort of"},{"speaker":"Alan Smith","startTime":626.97,"endTime":630.3,"body":"ideas and insights with the rest"},{"speaker":"Alan Smith","startTime":626.97,"endTime":630.3,"body":"of us are mics in the room so it"},{"speaker":"Alan Smith","startTime":630.3,"endTime":632.25,"body":"was two days really really well"},{"speaker":"Alan Smith","startTime":630.3,"endTime":632.25,"body":"spent for me"},{"speaker":"Andy Hart","startTime":632.85,"endTime":634.83,"body":"it's an incredibly"},{"speaker":"Andy Hart","startTime":632.85,"endTime":634.83,"body":"enviable company and you're"},{"speaker":"Andy Hart","startTime":634.83,"endTime":637.08,"body":"right that's what they do they"},{"speaker":"Andy Hart","startTime":634.83,"endTime":637.08,"body":"connect great advisers around"},{"speaker":"Andy Hart","startTime":637.08,"endTime":640.68,"body":"the world so a lot the top"},{"speaker":"Andy Hart","startTime":637.08,"endTime":640.68,"body":"advisors in any of the developed"},{"speaker":"Andy Hart","startTime":640.68,"endTime":643.83,"body":"markets they will usually be"},{"speaker":"Andy Hart","startTime":640.68,"endTime":643.83,"body":"using dimensional funds to some"},{"speaker":"Andy Hart","startTime":643.83,"endTime":646.02,"body":"degree so yeah the network's"},{"speaker":"Andy Hart","startTime":643.83,"endTime":646.02,"body":"amazing"},{"speaker":"Nick Lincoln","startTime":646.38,"endTime":650.46,"body":"and and as for we"},{"speaker":"Nick Lincoln","startTime":646.38,"endTime":650.46,"body":"all we all use we all use"},{"speaker":"Nick Lincoln","startTime":650.46,"endTime":654.33,"body":"dimensional and pretty much not"},{"speaker":"Nick Lincoln","startTime":650.46,"endTime":654.33,"body":"exclusively but heavily so Okay,"},{"speaker":"Nick Lincoln","startTime":654.33,"endTime":656.01,"body":"thank you for that Alan now I"},{"speaker":"Nick Lincoln","startTime":654.33,"endTime":656.01,"body":"can imagine it would have been a"},{"speaker":"Nick Lincoln","startTime":656.01,"endTime":659.16,"body":"fabricate I didn't know that was"},{"speaker":"Nick Lincoln","startTime":656.01,"endTime":659.16,"body":"there in Clark and I love that"},{"speaker":"Nick Lincoln","startTime":659.16,"endTime":661.71,"body":"area of London by the way it's"},{"speaker":"Nick Lincoln","startTime":659.16,"endTime":661.71,"body":"it's just on the edge of the"},{"speaker":"Nick Lincoln","startTime":661.71,"endTime":663.99,"body":"city but hasn't it's not as"},{"speaker":"Nick Lincoln","startTime":661.71,"endTime":663.99,"body":"sterile as the city can be."},{"speaker":"Nick Lincoln","startTime":663.99,"endTime":666.87,"body":"Sometimes it's got that to"},{"speaker":"Nick Lincoln","startTime":663.99,"endTime":666.87,"body":"Farrington o'clock and low vibe"},{"speaker":"Nick Lincoln","startTime":666.87,"endTime":667.2,"body":"going on"},{"speaker":"Alan Smith","startTime":667.2,"endTime":669.51,"body":"very nice. And"},{"speaker":"Alan Smith","startTime":667.2,"endTime":669.51,"body":"anyhow showed up just for drinks"},{"speaker":"Alan Smith","startTime":669.51,"endTime":670.5,"body":"at the end. It was wonderful."},{"speaker":"Andy Hart","startTime":670.95,"endTime":671.94,"body":"I rocked up just"},{"speaker":"Nick Lincoln","startTime":673.14,"endTime":676.05,"body":"people. You Alan"},{"speaker":"Nick Lincoln","startTime":673.14,"endTime":676.05,"body":"would loosen up, but you had"},{"speaker":"Nick Lincoln","startTime":676.05,"endTime":678.69,"body":"some sort of like an alien"},{"speaker":"Nick Lincoln","startTime":676.05,"endTime":678.69,"body":"coming through your jumper to"},{"speaker":"Nick Lincoln","startTime":678.69,"endTime":679.35,"body":"see that photograph."},{"speaker":"Alan Smith","startTime":679.35,"endTime":682.8,"body":"That's what that's"},{"speaker":"Alan Smith","startTime":679.35,"endTime":682.8,"body":"all about No, six pack. Well,"},{"speaker":"Carl Widger","startTime":683.28,"endTime":685.17,"body":"I thought it was a"},{"speaker":"Carl Widger","startTime":683.28,"endTime":685.17,"body":"beautiful photo, and I've kept"},{"speaker":"Carl Widger","startTime":685.17,"endTime":685.35,"body":"it"},{"speaker":"Nick Lincoln","startTime":687.96,"endTime":691.41,"body":"Okay, without any"},{"speaker":"Nick Lincoln","startTime":687.96,"endTime":691.41,"body":"further ado, this goes down into"},{"speaker":"Nick Lincoln","startTime":691.41,"endTime":694.68,"body":"the dregs. Let's go on to sort"},{"speaker":"Nick Lincoln","startTime":691.41,"endTime":694.68,"body":"of meat and potatoes of this"},{"speaker":"Nick Lincoln","startTime":694.68,"endTime":698.61,"body":"episode. And a really good"},{"speaker":"Nick Lincoln","startTime":694.68,"endTime":698.61,"body":"agenda question from from Carl"},{"speaker":"Nick Lincoln","startTime":698.61,"endTime":701.22,"body":"here. And Carl Seto. What's"},{"speaker":"Nick Lincoln","startTime":698.61,"endTime":701.22,"body":"what's your definition of real"},{"speaker":"Nick Lincoln","startTime":701.22,"endTime":704.28,"body":"financial planning? Carl, you"},{"speaker":"Nick Lincoln","startTime":701.22,"endTime":704.28,"body":"you take the lead on this, my"},{"speaker":"Nick Lincoln","startTime":704.28,"endTime":707.07,"body":"friend and talk to us about what"},{"speaker":"Nick Lincoln","startTime":704.28,"endTime":707.07,"body":"you think real financial"},{"speaker":"Nick Lincoln","startTime":707.07,"endTime":708.18,"body":"planning is? Yeah,"},{"speaker":"Carl Widger","startTime":708.179,"endTime":712.739,"body":"so this kind of"},{"speaker":"Carl Widger","startTime":708.179,"endTime":712.739,"body":"came about for a number of"},{"speaker":"Carl Widger","startTime":712.739,"endTime":715.349,"body":"reasons. Number one, the reason"},{"speaker":"Carl Widger","startTime":712.739,"endTime":715.349,"body":"I couldn't attend home was my"},{"speaker":"Carl Widger","startTime":715.349,"endTime":719.159,"body":"dad's 80th birthday was on on"},{"speaker":"Carl Widger","startTime":715.349,"endTime":719.159,"body":"the Saturday afterwards. And I"},{"speaker":"Carl Widger","startTime":719.159,"endTime":722.489,"body":"wanted to be in the absolute"},{"speaker":"Carl Widger","startTime":719.159,"endTime":722.489,"body":"fullness of my health for that"},{"speaker":"Carl Widger","startTime":722.519,"endTime":725.909,"body":"event. So going over to London"},{"speaker":"Carl Widger","startTime":722.519,"endTime":725.909,"body":"on a Thursday and staying"},{"speaker":"Carl Widger","startTime":725.909,"endTime":728.639,"body":"Thursday night was not going to"},{"speaker":"Carl Widger","startTime":725.909,"endTime":728.639,"body":"help on that. So anyway, we"},{"speaker":"Carl Widger","startTime":728.639,"endTime":733.709,"body":"gathered for lunch. in Kilkenny,"},{"speaker":"Carl Widger","startTime":728.639,"endTime":733.709,"body":"where I'm from, from a dad's"},{"speaker":"Carl Widger","startTime":733.709,"endTime":737.129,"body":"80th birthday. And we just had a"},{"speaker":"Carl Widger","startTime":733.709,"endTime":737.129,"body":"what I would describe as an"},{"speaker":"Carl Widger","startTime":737.129,"endTime":742.109,"body":"absolutely magical day."},{"speaker":"Carl Widger","startTime":737.129,"endTime":742.109,"body":"Everybody was there. All the"},{"speaker":"Carl Widger","startTime":742.109,"endTime":744.869,"body":"grandkids were there bar, one of"},{"speaker":"Carl Widger","startTime":742.109,"endTime":744.869,"body":"my girls had a very important"},{"speaker":"Carl Widger","startTime":744.869,"endTime":746.819,"body":"football match. So"},{"speaker":"Carl Widger","startTime":744.869,"endTime":746.819,"body":"unfortunately, she couldn't go"},{"speaker":"Carl Widger","startTime":746.819,"endTime":751.619,"body":"and she won't weld on rich. But"},{"speaker":"Carl Widger","startTime":746.819,"endTime":751.619,"body":"we went to an Italian restaurant"},{"speaker":"Carl Widger","startTime":751.859,"endTime":754.949,"body":"had a just a wonderful time,"},{"speaker":"Carl Widger","startTime":751.859,"endTime":754.949,"body":"took loads of brilliant"},{"speaker":"Carl Widger","startTime":755.009,"endTime":760.439,"body":"pictures. We did a lot of"},{"speaker":"Carl Widger","startTime":755.009,"endTime":760.439,"body":"impromptu speeches, my dad did,"},{"speaker":"Carl Widger","startTime":760.499,"endTime":763.229,"body":"obviously his one first and then"},{"speaker":"Carl Widger","startTime":760.499,"endTime":763.229,"body":"we all kind of stood up and some"},{"speaker":"Carl Widger","startTime":763.229,"endTime":766.679,"body":"of the grandkids stood up. And"},{"speaker":"Carl Widger","startTime":763.229,"endTime":766.679,"body":"it was just magical. And I just"},{"speaker":"Carl Widger","startTime":766.679,"endTime":771.959,"body":"thought, you know, this is what"},{"speaker":"Carl Widger","startTime":766.679,"endTime":771.959,"body":"this is what life is all about."},{"speaker":"Carl Widger","startTime":772.469,"endTime":776.369,"body":"These important moments, these"},{"speaker":"Carl Widger","startTime":772.469,"endTime":776.369,"body":"making memories for ourselves."},{"speaker":"Carl Widger","startTime":777.359,"endTime":781.019,"body":"And we went back to my sister's"},{"speaker":"Carl Widger","startTime":777.359,"endTime":781.019,"body":"house afterwards. And just, it"},{"speaker":"Carl Widger","startTime":781.019,"endTime":785.339,"body":"just was, you know, and I know I"},{"speaker":"Carl Widger","startTime":781.019,"endTime":785.339,"body":"was texting you guys after maybe"},{"speaker":"Carl Widger","startTime":785.339,"endTime":788.549,"body":"a few gin and tonics too many"},{"speaker":"Carl Widger","startTime":785.339,"endTime":788.549,"body":"and just saying this is, this is"},{"speaker":"Carl Widger","startTime":788.549,"endTime":791.339,"body":"amazing stuff. And this is what"},{"speaker":"Carl Widger","startTime":788.549,"endTime":791.339,"body":"this is, you know, this is why"},{"speaker":"Carl Widger","startTime":791.339,"endTime":796.019,"body":"we do what we do. And this is"},{"speaker":"Carl Widger","startTime":791.339,"endTime":796.019,"body":"why, you know, as parents, we"},{"speaker":"Carl Widger","startTime":796.019,"endTime":798.449,"body":"work so hard to do stuff for our"},{"speaker":"Carl Widger","startTime":796.019,"endTime":798.449,"body":"kids, and all of that kind of"},{"speaker":"Carl Widger","startTime":798.449,"endTime":803.669,"body":"stuff. And I know we've spoken"},{"speaker":"Carl Widger","startTime":798.449,"endTime":803.669,"body":"about, you know, the makeup of"},{"speaker":"Carl Widger","startTime":803.669,"endTime":806.189,"body":"portfolios, and bonds and"},{"speaker":"Carl Widger","startTime":803.669,"endTime":806.189,"body":"equities and all that. And"},{"speaker":"Carl Widger","startTime":806.459,"endTime":809.669,"body":"obviously, the financial part of"},{"speaker":"Carl Widger","startTime":806.459,"endTime":809.669,"body":"financial planning has to be"},{"speaker":"Carl Widger","startTime":809.669,"endTime":812.999,"body":"done. But real financial"},{"speaker":"Carl Widger","startTime":809.669,"endTime":812.999,"body":"planning for me is about"},{"speaker":"Carl Widger","startTime":813.389,"endTime":816.449,"body":"creating the life that you want"},{"speaker":"Carl Widger","startTime":813.389,"endTime":816.449,"body":"to live and living your best"},{"speaker":"Carl Widger","startTime":816.449,"endTime":820.889,"body":"life. And for me, you know, that"},{"speaker":"Carl Widger","startTime":816.449,"endTime":820.889,"body":"was a moment in time. I know my"},{"speaker":"Carl Widger","startTime":820.889,"endTime":824.039,"body":"dad absolutely loved it. And my"},{"speaker":"Carl Widger","startTime":820.889,"endTime":824.039,"body":"mom absolutely loved it, I got"},{"speaker":"Carl Widger","startTime":824.039,"endTime":827.039,"body":"one of my favorite photos of all"},{"speaker":"Carl Widger","startTime":824.039,"endTime":827.039,"body":"time of my dad and my mom"},{"speaker":"Carl Widger","startTime":827.249,"endTime":831.659,"body":"walking up the street, from the"},{"speaker":"Carl Widger","startTime":827.249,"endTime":831.659,"body":"restaurant to we were going to"},{"speaker":"Carl Widger","startTime":832.709,"endTime":836.129,"body":"jump in the car and go back to"},{"speaker":"Carl Widger","startTime":832.709,"endTime":836.129,"body":"my sister's and it was just just"},{"speaker":"Carl Widger","startTime":836.129,"endTime":841.679,"body":"amazing. And you know, sometimes"},{"speaker":"Carl Widger","startTime":836.129,"endTime":841.679,"body":"I can and I'm sure you guys can"},{"speaker":"Carl Widger","startTime":841.679,"endTime":845.819,"body":"and everybody else listening in"},{"speaker":"Carl Widger","startTime":841.679,"endTime":845.819,"body":"and watching in, we kind of you"},{"speaker":"Carl Widger","startTime":845.819,"endTime":850.649,"body":"know you you lose the emphasis"},{"speaker":"Carl Widger","startTime":845.819,"endTime":850.649,"body":"we should be putting on the"},{"speaker":"Carl Widger","startTime":850.649,"endTime":853.319,"body":"journey and sometimes think"},{"speaker":"Carl Widger","startTime":850.649,"endTime":853.319,"body":"about destinations a little bit"},{"speaker":"Carl Widger","startTime":853.319,"endTime":857.069,"body":"too much. And I think it's a"},{"speaker":"Carl Widger","startTime":853.319,"endTime":857.069,"body":"really valuable lesson for us"},{"speaker":"Carl Widger","startTime":857.069,"endTime":861.749,"body":"all when we're, you know, active"},{"speaker":"Carl Widger","startTime":857.069,"endTime":861.749,"body":"in doing financial plans for our"},{"speaker":"Carl Widger","startTime":861.749,"endTime":865.589,"body":"clients to make sure that we're"},{"speaker":"Carl Widger","startTime":861.749,"endTime":865.589,"body":"not looking, when you're looking"},{"speaker":"Carl Widger","startTime":865.589,"endTime":868.139,"body":"at investments and stuff. You're"},{"speaker":"Carl Widger","startTime":865.589,"endTime":868.139,"body":"looking to the long term all the"},{"speaker":"Carl Widger","startTime":868.139,"endTime":870.749,"body":"time. And we're asking everybody"},{"speaker":"Carl Widger","startTime":868.139,"endTime":870.749,"body":"to look to the long term, but"},{"speaker":"Carl Widger","startTime":870.749,"endTime":874.319,"body":"equally as important are, you"},{"speaker":"Carl Widger","startTime":870.749,"endTime":874.319,"body":"know what's happening now and"},{"speaker":"Carl Widger","startTime":874.319,"endTime":878.069,"body":"living your best life? And I"},{"speaker":"Carl Widger","startTime":874.319,"endTime":878.069,"body":"think it goes back to you know,"},{"speaker":"Carl Widger","startTime":878.069,"endTime":881.939,"body":"the famous quote that Alan says"},{"speaker":"Carl Widger","startTime":878.069,"endTime":881.939,"body":"I didn't come up with but you"},{"speaker":"Carl Widger","startTime":881.939,"endTime":885.599,"body":"know, if you don't have a plan"},{"speaker":"Carl Widger","startTime":881.939,"endTime":885.599,"body":"for your life, and you know,"},{"speaker":"Carl Widger","startTime":885.599,"endTime":889.949,"body":"when you're asked how much money"},{"speaker":"Carl Widger","startTime":885.599,"endTime":889.949,"body":"you need, the answer is going to"},{"speaker":"Carl Widger","startTime":889.949,"endTime":894.629,"body":"be more and that my friends is"},{"speaker":"Carl Widger","startTime":889.949,"endTime":894.629,"body":"not a good place to be. And so"},{"speaker":"Carl Widger","startTime":894.629,"endTime":898.769,"body":"they that was deeply, deeply"},{"speaker":"Carl Widger","startTime":894.629,"endTime":898.769,"body":"impactful for me that that"},{"speaker":"Carl Widger","startTime":898.769,"endTime":902.339,"body":"particular day right And it made"},{"speaker":"Carl Widger","startTime":898.769,"endTime":902.339,"body":"me sit down and go, Okay, I'm"},{"speaker":"Carl Widger","startTime":902.339,"endTime":905.789,"body":"going to actually plan some more"},{"speaker":"Carl Widger","startTime":902.339,"endTime":905.789,"body":"of these days with the people I"},{"speaker":"Carl Widger","startTime":905.789,"endTime":909.299,"body":"want to spend my time with. On"},{"speaker":"Carl Widger","startTime":905.789,"endTime":909.299,"body":"the following Monday, then I"},{"speaker":"Carl Widger","startTime":909.299,"endTime":913.409,"body":"know you guys had the passing of"},{"speaker":"Carl Widger","startTime":909.299,"endTime":913.409,"body":"your queen fairly recently, and"},{"speaker":"Carl Widger","startTime":913.409,"endTime":918.989,"body":"there was an outpouring of grief"},{"speaker":"Carl Widger","startTime":913.409,"endTime":918.989,"body":"there. But our Uncrowned queen"},{"speaker":"Carl Widger","startTime":918.989,"endTime":922.829,"body":"in Ireland is a lady called"},{"speaker":"Carl Widger","startTime":918.989,"endTime":922.829,"body":"Vicki feeling an absolutely"},{"speaker":"Carl Widger","startTime":922.859,"endTime":926.099,"body":"inspiration lady. And on the"},{"speaker":"Carl Widger","startTime":922.859,"endTime":926.099,"body":"Monday after my dad's birthday,"},{"speaker":"Carl Widger","startTime":926.609,"endTime":932.549,"body":"Vicki passed away, Vicki was 48"},{"speaker":"Carl Widger","startTime":926.609,"endTime":932.549,"body":"years of age. I appreciate the"},{"speaker":"Carl Widger","startTime":932.549,"endTime":935.969,"body":"audience outside of Ireland"},{"speaker":"Carl Widger","startTime":932.549,"endTime":935.969,"body":"won't know exactly who she is."},{"speaker":"Carl Widger","startTime":935.969,"endTime":938.399,"body":"But look, Google it, if you if"},{"speaker":"Carl Widger","startTime":935.969,"endTime":938.399,"body":"you want to find out an"},{"speaker":"Carl Widger","startTime":938.399,"endTime":942.239,"body":"inspiration person, she was the"},{"speaker":"Carl Widger","startTime":938.399,"endTime":942.239,"body":"same age as me. She was from"},{"speaker":"Carl Widger","startTime":942.629,"endTime":945.809,"body":"Kenya originally and came to"},{"speaker":"Carl Widger","startTime":942.629,"endTime":945.809,"body":"Limerick. So story very similar"},{"speaker":"Carl Widger","startTime":945.809,"endTime":949.889,"body":"to mine, although she has"},{"speaker":"Carl Widger","startTime":945.809,"endTime":949.889,"body":"achieved so much more in her"},{"speaker":"Carl Widger","startTime":949.889,"endTime":954.629,"body":"short life than I ever will. But"},{"speaker":"Carl Widger","startTime":949.889,"endTime":954.629,"body":"it is it just goes to show it is"},{"speaker":"Carl Widger","startTime":954.629,"endTime":959.819,"body":"a short life. And it can be such"},{"speaker":"Carl Widger","startTime":954.629,"endTime":959.819,"body":"a short life. And I just I just"},{"speaker":"Carl Widger","startTime":959.819,"endTime":964.169,"body":"came back. So invigorated after"},{"speaker":"Carl Widger","startTime":959.819,"endTime":964.169,"body":"my dad's birthday. And then I"},{"speaker":"Carl Widger","startTime":964.169,"endTime":967.139,"body":"heard the news about Vicki and I"},{"speaker":"Carl Widger","startTime":964.169,"endTime":967.139,"body":"just went, you know what, like"},{"speaker":"Carl Widger","startTime":967.169,"endTime":974.129,"body":"life is for living? And we, you"},{"speaker":"Carl Widger","startTime":967.169,"endTime":974.129,"body":"know, have, we have the"},{"speaker":"Carl Widger","startTime":974.129,"endTime":977.789,"body":"opportunity to have a real"},{"speaker":"Carl Widger","startTime":974.129,"endTime":977.789,"body":"meaningful and deep impact on"},{"speaker":"Carl Widger","startTime":977.789,"endTime":983.279,"body":"all of our clients. And I'm sure"},{"speaker":"Carl Widger","startTime":977.789,"endTime":983.279,"body":"you know, and I think maybe it'd"},{"speaker":"Carl Widger","startTime":983.279,"endTime":986.909,"body":"be great today to share some"},{"speaker":"Carl Widger","startTime":983.279,"endTime":986.909,"body":"stories from you guys as to the"},{"speaker":"Carl Widger","startTime":986.909,"endTime":989.819,"body":"impact that you have had on some"},{"speaker":"Carl Widger","startTime":986.909,"endTime":989.819,"body":"of your clients. And, you know,"},{"speaker":"Carl Widger","startTime":991.289,"endTime":995.219,"body":"it's just to make sure that you"},{"speaker":"Carl Widger","startTime":991.289,"endTime":995.219,"body":"don't take the focus off real"},{"speaker":"Carl Widger","startTime":995.219,"endTime":999.599,"body":"financial planning for me, is"},{"speaker":"Carl Widger","startTime":995.219,"endTime":999.599,"body":"focusing on helping people use"},{"speaker":"Carl Widger","startTime":999.599,"endTime":1003.919,"body":"their resources to live their"},{"speaker":"Carl Widger","startTime":999.599,"endTime":1003.919,"body":"very best life and to do exactly"},{"speaker":"Carl Widger","startTime":1003.919,"endTime":1007.159,"body":"what they want to do. And I'm"},{"speaker":"Carl Widger","startTime":1003.919,"endTime":1007.159,"body":"not sure I think it was Alan"},{"speaker":"Carl Widger","startTime":1007.189,"endTime":1010.699,"body":"asked the question. I actually"},{"speaker":"Carl Widger","startTime":1007.189,"endTime":1010.699,"body":"can't remember, was it on a"},{"speaker":"Carl Widger","startTime":1010.699,"endTime":1014.359,"body":"podcast, Alan are on Twitter,"},{"speaker":"Carl Widger","startTime":1010.699,"endTime":1014.359,"body":"you know, what's your definition"},{"speaker":"Carl Widger","startTime":1014.359,"endTime":1018.859,"body":"of wealth of real wealth. And,"},{"speaker":"Carl Widger","startTime":1014.359,"endTime":1018.859,"body":"you know, I started our future"},{"speaker":"Carl Widger","startTime":1018.859,"endTime":1021.949,"body":"you conference by saying that,"},{"speaker":"Carl Widger","startTime":1018.859,"endTime":1021.949,"body":"you know, it's real, the"},{"speaker":"Carl Widger","startTime":1021.949,"endTime":1025.969,"body":"definition of real wealth is"},{"speaker":"Carl Widger","startTime":1021.949,"endTime":1025.969,"body":"doing what you want, when you"},{"speaker":"Carl Widger","startTime":1025.969,"endTime":1031.279,"body":"want with whom you want. And,"},{"speaker":"Carl Widger","startTime":1025.969,"endTime":1031.279,"body":"you know, you can, you should"},{"speaker":"Carl Widger","startTime":1031.339,"endTime":1034.969,"body":"sit down and think about that, I"},{"speaker":"Carl Widger","startTime":1031.339,"endTime":1034.969,"body":"think really clearly, and evolve"},{"speaker":"Carl Widger","startTime":1034.969,"endTime":1040.339,"body":"that statement for yourself, you"},{"speaker":"Carl Widger","startTime":1034.969,"endTime":1040.339,"body":"know, and it's sometimes I will"},{"speaker":"Carl Widger","startTime":1040.339,"endTime":1045.319,"body":"admit, carrying my my"},{"speaker":"Carl Widger","startTime":1040.339,"endTime":1045.319,"body":"unbelievably sporty kids to this"},{"speaker":"Carl Widger","startTime":1045.319,"endTime":1049.759,"body":"event. And that event I do,"},{"speaker":"Carl Widger","startTime":1045.319,"endTime":1049.759,"body":"might not be in the greatest"},{"speaker":"Carl Widger","startTime":1049.759,"endTime":1054.079,"body":"form of all time. And I tell"},{"speaker":"Carl Widger","startTime":1049.759,"endTime":1054.079,"body":"you, with renewed vigor, I'm"},{"speaker":"Carl Widger","startTime":1054.079,"endTime":1057.649,"body":"going to attend all of these, I"},{"speaker":"Carl Widger","startTime":1054.079,"endTime":1057.649,"body":"do attend all of these matches"},{"speaker":"Carl Widger","startTime":1057.649,"endTime":1062.779,"body":"all the time. But I went to the"},{"speaker":"Carl Widger","startTime":1057.649,"endTime":1062.779,"body":"Ireland Australia match on"},{"speaker":"Carl Widger","startTime":1062.779,"endTime":1066.649,"body":"Saturday night in Dublin and"},{"speaker":"Carl Widger","startTime":1062.779,"endTime":1066.649,"body":"stayed over in Dublin. And one"},{"speaker":"Carl Widger","startTime":1066.649,"endTime":1070.759,"body":"of my daughters had a match"},{"speaker":"Carl Widger","startTime":1066.649,"endTime":1070.759,"body":"miles away from that. And, you"},{"speaker":"Carl Widger","startTime":1070.759,"endTime":1074.269,"body":"know, I traveled I went to that"},{"speaker":"Carl Widger","startTime":1070.759,"endTime":1074.269,"body":"game, right? Not feeling the"},{"speaker":"Carl Widger","startTime":1074.269,"endTime":1077.299,"body":"very best, but that made me feel"},{"speaker":"Carl Widger","startTime":1074.269,"endTime":1077.299,"body":"good. And I can tell you that"},{"speaker":"Carl Widger","startTime":1077.299,"endTime":1080.449,"body":"made her feel good. So that was"},{"speaker":"Carl Widger","startTime":1077.299,"endTime":1080.449,"body":"me, you know, living it out,"},{"speaker":"Carl Widger","startTime":1080.449,"endTime":1084.259,"body":"saying, you know, I'm doing what"},{"speaker":"Carl Widger","startTime":1080.449,"endTime":1084.259,"body":"I want to do living my best life"},{"speaker":"Carl Widger","startTime":1084.289,"endTime":1087.679,"body":"and spending time with the"},{"speaker":"Carl Widger","startTime":1084.289,"endTime":1087.679,"body":"people I love. So I just thought"},{"speaker":"Carl Widger","startTime":1087.679,"endTime":1090.049,"body":"it'd be a good thing to do."},{"speaker":"Carl Widger","startTime":1087.679,"endTime":1090.049,"body":"Could we share some stories as"},{"speaker":"Carl Widger","startTime":1090.049,"endTime":1092.569,"body":"to you know, what our own"},{"speaker":"Carl Widger","startTime":1090.049,"endTime":1092.569,"body":"definitions of real financial"},{"speaker":"Carl Widger","startTime":1092.569,"endTime":1095.179,"body":"planning so maybe Nick, you"},{"speaker":"Carl Widger","startTime":1092.569,"endTime":1095.179,"body":"might you might pick that one"},{"speaker":"Carl Widger","startTime":1095.179,"endTime":1095.629,"body":"up? promare"},{"speaker":"Nick Lincoln","startTime":1126.12,"endTime":1127.71,"body":"Okay, thank you"},{"speaker":"Nick Lincoln","startTime":1126.12,"endTime":1127.71,"body":"for that comment, sir. That was,"},{"speaker":"Nick Lincoln","startTime":1128.19,"endTime":1131.31,"body":"yeah, that was insightful and"},{"speaker":"Nick Lincoln","startTime":1128.19,"endTime":1131.31,"body":"God. Yeah, I remember watching"},{"speaker":"Nick Lincoln","startTime":1131.31,"endTime":1135.6,"body":"my son play, play football on"},{"speaker":"Nick Lincoln","startTime":1131.31,"endTime":1135.6,"body":"Sunday mornings, soccer,"},{"speaker":"Nick Lincoln","startTime":1135.6299999999999,"endTime":1137.8799999999999,"body":"whatever you want to call it on"},{"speaker":"Nick Lincoln","startTime":1135.6299999999999,"endTime":1137.8799999999999,"body":"Sunday mornings and keyboard,"},{"speaker":"Nick Lincoln","startTime":1137.9099999999999,"endTime":1141.48,"body":"keyboard kickico. I think most"},{"speaker":"Nick Lincoln","startTime":1137.9099999999999,"endTime":1141.48,"body":"mornings I was I was hung over"},{"speaker":"Nick Lincoln","startTime":1141.48,"endTime":1144.51,"body":"but I was there through all"},{"speaker":"Nick Lincoln","startTime":1141.48,"endTime":1144.51,"body":"those long January, February"},{"speaker":"Nick Lincoln","startTime":1144.51,"endTime":1147.48,"body":"March, standing still on the"},{"speaker":"Nick Lincoln","startTime":1144.51,"endTime":1147.48,"body":"touchline just really hard work"},{"speaker":"Nick Lincoln","startTime":1147.48,"endTime":1149.76,"body":"is really bad for your back. So"},{"speaker":"Nick Lincoln","startTime":1147.48,"endTime":1149.76,"body":"in the end, I took to running"},{"speaker":"Nick Lincoln","startTime":1149.76,"endTime":1152.8799999999999,"body":"the line, because it got me"},{"speaker":"Nick Lincoln","startTime":1149.76,"endTime":1152.8799999999999,"body":"involved. And I didn't come up"},{"speaker":"Nick Lincoln","startTime":1152.8799999999999,"endTime":1156.6599999999999,"body":"with a cripple back and I kind"},{"speaker":"Nick Lincoln","startTime":1152.8799999999999,"endTime":1156.6599999999999,"body":"of I was there for it anyway."},{"speaker":"Nick Lincoln","startTime":1156.69,"endTime":1158.7,"body":"And I know that to him that"},{"speaker":"Nick Lincoln","startTime":1156.69,"endTime":1158.7,"body":"makes"},{"speaker":"Andy Hart","startTime":1158.7,"endTime":1160.68,"body":"a lot so you're a"},{"speaker":"Andy Hart","startTime":1158.7,"endTime":1160.68,"body":"kicky, borderlines. And when as"},{"speaker":"Andy Hart","startTime":1160.68,"endTime":1162.6599999999999,"body":"well new CD,"},{"speaker":"Nick Lincoln","startTime":1162.8999999999999,"endTime":1164.52,"body":"I used to love I"},{"speaker":"Nick Lincoln","startTime":1162.8999999999999,"endTime":1164.52,"body":"used to love flagging for"},{"speaker":"Nick Lincoln","startTime":1164.52,"endTime":1169.02,"body":"offside and getting all kinds of"},{"speaker":"Nick Lincoln","startTime":1164.52,"endTime":1169.02,"body":"praise from the dads and coaches"},{"speaker":"Nick Lincoln","startTime":1169.02,"endTime":1170.1,"body":"on the other side of the pitch."},{"speaker":"Alan Smith","startTime":1170.1299999999999,"endTime":1172.32,"body":"Can you explain the"},{"speaker":"Alan Smith","startTime":1170.1299999999999,"endTime":1172.32,"body":"offside rule, Nick? No, don't?"},{"speaker":"Nick Lincoln","startTime":1173.43,"endTime":1176.82,"body":"Yes, the last man"},{"speaker":"Nick Lincoln","startTime":1173.43,"endTime":1176.82,"body":"is through on the last bag of"},{"speaker":"Nick Lincoln","startTime":1176.82,"endTime":1179.8799999999999,"body":"carpets that are the goalposts"},{"speaker":"Nick Lincoln","startTime":1176.82,"endTime":1179.8799999999999,"body":"for that side. Carpets are on"},{"speaker":"Nick Lincoln","startTime":1179.8799999999999,"endTime":1183.75,"body":"that's the goat the jumpers on"},{"speaker":"Nick Lincoln","startTime":1179.8799999999999,"endTime":1183.75,"body":"that side. No. Although it was"},{"speaker":"Nick Lincoln","startTime":1183.75,"endTime":1185.6399999999999,"body":"it did get better than that,"},{"speaker":"Nick Lincoln","startTime":1183.75,"endTime":1185.6399999999999,"body":"because they changed the offside"},{"speaker":"Nick Lincoln","startTime":1185.6399999999999,"endTime":1188.1599999999999,"body":"rule. You didn't it had to be"},{"speaker":"Nick Lincoln","startTime":1185.6399999999999,"endTime":1188.1599999999999,"body":"the ball had to be played to"},{"speaker":"Nick Lincoln","startTime":1188.1599999999999,"endTime":1191.31,"body":"someone who's interfering, who"},{"speaker":"Nick Lincoln","startTime":1188.1599999999999,"endTime":1191.31,"body":"was in play, which made it a"},{"speaker":"Nick Lincoln","startTime":1191.31,"endTime":1193.77,"body":"better rule. Whereas in the"},{"speaker":"Nick Lincoln","startTime":1191.31,"endTime":1193.77,"body":"past, anybody in front of the"},{"speaker":"Nick Lincoln","startTime":1193.77,"endTime":1196.47,"body":"last defender could be offside."},{"speaker":"Nick Lincoln","startTime":1193.77,"endTime":1196.47,"body":"Look it up, guys, I'm just I"},{"speaker":"Nick Lincoln","startTime":1196.47,"endTime":1199.77,"body":"just made it up. Now it's true."},{"speaker":"Nick Lincoln","startTime":1196.47,"endTime":1199.77,"body":"So yeah, thanks, Carl for that,"},{"speaker":"Nick Lincoln","startTime":1199.77,"endTime":1202.71,"body":"yeah. One point you make on"},{"speaker":"Nick Lincoln","startTime":1199.77,"endTime":1202.71,"body":"those people who say how much"},{"speaker":"Nick Lincoln","startTime":1202.71,"endTime":1205.8899999999999,"body":"and they always say more, they"},{"speaker":"Nick Lincoln","startTime":1202.71,"endTime":1205.8899999999999,"body":"can't be helped. And they these"},{"speaker":"Nick Lincoln","startTime":1205.8899999999999,"endTime":1207.93,"body":"people are you know that people"},{"speaker":"Nick Lincoln","startTime":1205.8899999999999,"endTime":1207.93,"body":"accumulate money for its own"},{"speaker":"Nick Lincoln","startTime":1207.93,"endTime":1211.8899999999999,"body":"sake. The that's a really dark"},{"speaker":"Nick Lincoln","startTime":1207.93,"endTime":1211.8899999999999,"body":"place to be in because they're"},{"speaker":"Nick Lincoln","startTime":1211.8899999999999,"endTime":1214.56,"body":"never going to have enough."},{"speaker":"Nick Lincoln","startTime":1211.8899999999999,"endTime":1214.56,"body":"Whereas we try and work with"},{"speaker":"Nick Lincoln","startTime":1214.56,"endTime":1216.87,"body":"people who want to have a plan"},{"speaker":"Nick Lincoln","startTime":1214.56,"endTime":1216.87,"body":"right? And then the plan is"},{"speaker":"Nick Lincoln","startTime":1216.87,"endTime":1219.93,"body":"there yes about finances and"},{"speaker":"Nick Lincoln","startTime":1216.87,"endTime":1219.93,"body":"gathering assets for the"},{"speaker":"Nick Lincoln","startTime":1219.93,"endTime":1223.74,"body":"clients. But those assets are"},{"speaker":"Nick Lincoln","startTime":1219.93,"endTime":1223.74,"body":"purpose linked right their"},{"speaker":"Nick Lincoln","startTime":1223.74,"endTime":1227.28,"body":"financial assets that underpin"},{"speaker":"Nick Lincoln","startTime":1223.74,"endTime":1227.28,"body":"people's life goals, and that's"},{"speaker":"Nick Lincoln","startTime":1227.28,"endTime":1228.72,"body":"what financial planning is"},{"speaker":"Nick Lincoln","startTime":1227.28,"endTime":1228.72,"body":"about. It's not about"},{"speaker":"Nick Lincoln","startTime":1228.72,"endTime":1231.54,"body":"accumulating stuff. It's about"},{"speaker":"Nick Lincoln","startTime":1228.72,"endTime":1231.54,"body":"making sure you've got enough"},{"speaker":"Nick Lincoln","startTime":1231.54,"endTime":1234.03,"body":"when you need it to do those"},{"speaker":"Nick Lincoln","startTime":1231.54,"endTime":1234.03,"body":"things to you. They're important"},{"speaker":"Nick Lincoln","startTime":1234.03,"endTime":1236.52,"body":"to you and your family in your"},{"speaker":"Nick Lincoln","startTime":1234.03,"endTime":1236.52,"body":"life and that satisfy your"},{"speaker":"Nick Lincoln","startTime":1236.52,"endTime":1238.6499999999999,"body":"values. And I think that's what"},{"speaker":"Nick Lincoln","startTime":1236.52,"endTime":1238.6499999999999,"body":"financial planning is about."},{"speaker":"Nick Lincoln","startTime":1238.68,"endTime":1242.76,"body":"I've got a very simple,"},{"speaker":"Nick Lincoln","startTime":1238.68,"endTime":1242.76,"body":"relatively simple story. I've"},{"speaker":"Nick Lincoln","startTime":1242.76,"endTime":1246.84,"body":"got a client I've been working"},{"speaker":"Nick Lincoln","startTime":1242.76,"endTime":1246.84,"body":"with since 2014. I mean, a"},{"speaker":"Nick Lincoln","startTime":1246.84,"endTime":1250.56,"body":"lovely guy are skilled guys and"},{"speaker":"Nick Lincoln","startTime":1246.84,"endTime":1250.56,"body":"artists and he, he works with"},{"speaker":"Nick Lincoln","startTime":1250.56,"endTime":1256.6499999999999,"body":"his hands. He's got a real he's,"},{"speaker":"Nick Lincoln","startTime":1250.56,"endTime":1256.6499999999999,"body":"he basically repairs brass"},{"speaker":"Nick Lincoln","startTime":1256.68,"endTime":1259.56,"body":"woodwind instruments for"},{"speaker":"Nick Lincoln","startTime":1256.68,"endTime":1259.56,"body":"orchestras. And it's a dying"},{"speaker":"Nick Lincoln","startTime":1259.56,"endTime":1263.01,"body":"breed, what he does oboe,"},{"speaker":"Nick Lincoln","startTime":1259.56,"endTime":1263.01,"body":"clarinet, saxophone, that kind"},{"speaker":"Nick Lincoln","startTime":1263.01,"endTime":1265.8,"body":"of stuff. And he's renowned is"},{"speaker":"Nick Lincoln","startTime":1263.01,"endTime":1265.8,"body":"brilliant at doing that, and"},{"speaker":"Nick Lincoln","startTime":1265.8,"endTime":1268.08,"body":"he's rubbish with money. He's"},{"speaker":"Nick Lincoln","startTime":1265.8,"endTime":1268.08,"body":"the kind of person who will be"},{"speaker":"Nick Lincoln","startTime":1268.08,"endTime":1271.4099999999999,"body":"taken for a ride by less"},{"speaker":"Nick Lincoln","startTime":1268.08,"endTime":1271.4099999999999,"body":"scrupulous advisors. I worked"},{"speaker":"Nick Lincoln","startTime":1271.4099999999999,"endTime":1274.56,"body":"with him since 2014. He"},{"speaker":"Nick Lincoln","startTime":1271.4099999999999,"endTime":1274.56,"body":"inherited a I'd had an awful"},{"speaker":"Nick Lincoln","startTime":1274.56,"endTime":1277.26,"body":"pension with a company that Alan"},{"speaker":"Nick Lincoln","startTime":1274.56,"endTime":1277.26,"body":"and Andy you know, I won't"},{"speaker":"Nick Lincoln","startTime":1277.26,"endTime":1280.8,"body":"mention them here. But all the"},{"speaker":"Nick Lincoln","startTime":1277.26,"endTime":1280.8,"body":"normal stuff, it was a SIP about"},{"speaker":"Nick Lincoln","startTime":1280.8,"endTime":1285.81,"body":"30 lines of stock and stuff on"},{"speaker":"Nick Lincoln","startTime":1280.8,"endTime":1285.81,"body":"his on his sip, obscure stuff"},{"speaker":"Nick Lincoln","startTime":1285.81,"endTime":1289.92,"body":"and loads of duplicate"},{"speaker":"Nick Lincoln","startTime":1285.81,"endTime":1289.92,"body":"duplication, over complicated,"},{"speaker":"Nick Lincoln","startTime":1289.95,"endTime":1294.21,"body":"expensive duplication, duplicate"},{"speaker":"Nick Lincoln","startTime":1289.95,"endTime":1294.21,"body":"side of duplication and make an"},{"speaker":"Nick Lincoln","startTime":1294.69,"endTime":1298.1399999999999,"body":"occasion to duplicate what it"},{"speaker":"Nick Lincoln","startTime":1294.69,"endTime":1298.1399999999999,"body":"was that bad, it was duplicated."},{"speaker":"Andy Hart","startTime":1299.37,"endTime":1301.11,"body":"Because you can pick"},{"speaker":"Andy Hart","startTime":1299.37,"endTime":1301.11,"body":"up other people now it's"},{"speaker":"Nick Lincoln","startTime":1301.11,"endTime":1303.93,"body":"very good, thank"},{"speaker":"Nick Lincoln","startTime":1301.11,"endTime":1303.93,"body":"you for that. And so we got him"},{"speaker":"Nick Lincoln","startTime":1303.93,"endTime":1305.82,"body":"out of that junk. And we got him"},{"speaker":"Nick Lincoln","startTime":1303.93,"endTime":1305.82,"body":"into a nice streamlined"},{"speaker":"Nick Lincoln","startTime":1305.82,"endTime":1308.34,"body":"portfolio. And I kept on saying"},{"speaker":"Nick Lincoln","startTime":1305.82,"endTime":1308.34,"body":"to him, you got to keep on"},{"speaker":"Nick Lincoln","startTime":1308.34,"endTime":1311.07,"body":"saving David, you know, because"},{"speaker":"Nick Lincoln","startTime":1308.34,"endTime":1311.07,"body":"you want to do this, you want to"},{"speaker":"Nick Lincoln","startTime":1311.07,"endTime":1313.77,"body":"be able to walk away from work"},{"speaker":"Nick Lincoln","startTime":1311.07,"endTime":1313.77,"body":"at the age of 75, in case your"},{"speaker":"Nick Lincoln","startTime":1313.77,"endTime":1316.5,"body":"eyesight and your hands aren't"},{"speaker":"Nick Lincoln","startTime":1313.77,"endTime":1316.5,"body":"able to do the stuff you do with"},{"speaker":"Nick Lincoln","startTime":1316.5,"endTime":1319.77,"body":"these instruments, and I kept on"},{"speaker":"Nick Lincoln","startTime":1316.5,"endTime":1319.77,"body":"making him do his eyesight, and"},{"speaker":"Nick Lincoln","startTime":1319.77,"endTime":1323.25,"body":"I kept on making those pension."},{"speaker":"Nick Lincoln","startTime":1319.77,"endTime":1323.25,"body":"Anyway, now he's remarried. And"},{"speaker":"Nick Lincoln","startTime":1323.25,"endTime":1325.4099999999999,"body":"he's always had a love and"},{"speaker":"Nick Lincoln","startTime":1323.25,"endTime":1325.4099999999999,"body":"passion for France and for"},{"speaker":"Nick Lincoln","startTime":1325.4099999999999,"endTime":1329.22,"body":"Brittany, the region of Brittany"},{"speaker":"Nick Lincoln","startTime":1325.4099999999999,"endTime":1329.22,"body":"especially. And with his new"},{"speaker":"Nick Lincoln","startTime":1329.22,"endTime":1334.26,"body":"wife, he is looking to sell his"},{"speaker":"Nick Lincoln","startTime":1329.22,"endTime":1334.26,"body":"place in Edgware. And buy a"},{"speaker":"Nick Lincoln","startTime":1334.26,"endTime":1337.17,"body":"place in Brittany now four years"},{"speaker":"Nick Lincoln","startTime":1334.26,"endTime":1337.17,"body":"earlier than then would have"},{"speaker":"Nick Lincoln","startTime":1337.17,"endTime":1340.8,"body":"otherwise been the case he's 71."},{"speaker":"Nick Lincoln","startTime":1337.17,"endTime":1340.8,"body":"Now not 75. And you know what"},{"speaker":"Nick Lincoln","startTime":1340.8,"endTime":1343.35,"body":"he's got enough to do that. I'm"},{"speaker":"Nick Lincoln","startTime":1340.8,"endTime":1343.35,"body":"just helping him to cash his"},{"speaker":"Nick Lincoln","startTime":1343.35,"endTime":1346.4099999999999,"body":"ICER I'm helping him take some"},{"speaker":"Nick Lincoln","startTime":1343.35,"endTime":1346.4099999999999,"body":"tax free cash from his pension."},{"speaker":"Nick Lincoln","startTime":1346.4099999999999,"endTime":1349.29,"body":"So he's got enough money to"},{"speaker":"Nick Lincoln","startTime":1346.4099999999999,"endTime":1349.29,"body":"clear the mortgage, he still got"},{"speaker":"Nick Lincoln","startTime":1349.29,"endTime":1351.6599999999999,"body":"a quite a big mortgage that's"},{"speaker":"Nick Lincoln","startTime":1349.29,"endTime":1351.6599999999999,"body":"going to be repaid, he's gonna"},{"speaker":"Nick Lincoln","startTime":1351.6599999999999,"endTime":1354.6599999999999,"body":"go to Brittany, he's living his"},{"speaker":"Nick Lincoln","startTime":1351.6599999999999,"endTime":1354.6599999999999,"body":"life. He's doing things that"},{"speaker":"Nick Lincoln","startTime":1354.6599999999999,"endTime":1357.0,"body":"satisfy him, we'll be living"},{"speaker":"Nick Lincoln","startTime":1354.6599999999999,"endTime":1357.0,"body":"near his daughter who lives in"},{"speaker":"Nick Lincoln","startTime":1357.0,"endTime":1359.34,"body":"Brittany. And I know that he"},{"speaker":"Nick Lincoln","startTime":1357.0,"endTime":1359.34,"body":"wouldn't have done any of this"},{"speaker":"Nick Lincoln","startTime":1359.34,"endTime":1361.53,"body":"without and I'm not picking me"},{"speaker":"Nick Lincoln","startTime":1359.34,"endTime":1361.53,"body":"up is what we do as a"},{"speaker":"Nick Lincoln","startTime":1361.53,"endTime":1364.23,"body":"profession, he wouldn't have"},{"speaker":"Nick Lincoln","startTime":1361.53,"endTime":1364.23,"body":"done this without me on his"},{"speaker":"Nick Lincoln","startTime":1364.23,"endTime":1366.42,"body":"shoulder the last eight years,"},{"speaker":"Nick Lincoln","startTime":1364.23,"endTime":1366.42,"body":"just keeping him out of the"},{"speaker":"Nick Lincoln","startTime":1366.42,"endTime":1371.31,"body":"crap, not letting them get sold"},{"speaker":"Nick Lincoln","startTime":1366.42,"endTime":1371.31,"body":"to buy the shocks. Giving him"},{"speaker":"Nick Lincoln","startTime":1371.31,"endTime":1373.95,"body":"value for money with his"},{"speaker":"Nick Lincoln","startTime":1371.31,"endTime":1373.95,"body":"portfolio that, you know, for"},{"speaker":"Nick Lincoln","startTime":1373.95,"endTime":1375.69,"body":"the last eight years has"},{"speaker":"Nick Lincoln","startTime":1373.95,"endTime":1375.69,"body":"delivered a significantly"},{"speaker":"Nick Lincoln","startTime":1375.69,"endTime":1378.06,"body":"greater return than the"},{"speaker":"Nick Lincoln","startTime":1375.69,"endTime":1378.06,"body":"portfolio he was in because I"},{"speaker":"Nick Lincoln","startTime":1378.06,"endTime":1381.87,"body":"put him into assets generate a"},{"speaker":"Nick Lincoln","startTime":1378.06,"endTime":1381.87,"body":"significantly greater return."},{"speaker":"Nick Lincoln","startTime":1382.26,"endTime":1384.6599999999999,"body":"Right? I took him out of the"},{"speaker":"Nick Lincoln","startTime":1382.26,"endTime":1384.6599999999999,"body":"surety bonds, and I put him into"},{"speaker":"Nick Lincoln","startTime":1384.6599999999999,"endTime":1387.45,"body":"mainly equities, and he's going"},{"speaker":"Nick Lincoln","startTime":1384.6599999999999,"endTime":1387.45,"body":"off shortly to live his life in"},{"speaker":"Nick Lincoln","startTime":1387.45,"endTime":1389.79,"body":"Britain. I'm not sure actually"},{"speaker":"Nick Lincoln","startTime":1387.45,"endTime":1389.79,"body":"whether I can help him at that"},{"speaker":"Nick Lincoln","startTime":1389.79,"endTime":1391.8,"body":"point. Because it's a bit"},{"speaker":"Nick Lincoln","startTime":1389.79,"endTime":1391.8,"body":"complicated when clients go"},{"speaker":"Nick Lincoln","startTime":1391.8,"endTime":1395.31,"body":"abroad to France what you can"},{"speaker":"Nick Lincoln","startTime":1391.8,"endTime":1395.31,"body":"and cannot do. So I'm kind of"},{"speaker":"Nick Lincoln","startTime":1395.31,"endTime":1401.58,"body":"navigating that nudge nudge?"},{"speaker":"Nick Lincoln","startTime":1395.31,"endTime":1401.58,"body":"Yeah. So there you go. There's"},{"speaker":"Nick Lincoln","startTime":1401.58,"endTime":1403.44,"body":"an example of someone who's"},{"speaker":"Nick Lincoln","startTime":1401.58,"endTime":1403.44,"body":"living his life has brought"},{"speaker":"Nick Lincoln","startTime":1403.44,"endTime":1405.54,"body":"forward his dreams, and it's"},{"speaker":"Nick Lincoln","startTime":1403.44,"endTime":1405.54,"body":"happening, I don't think he"},{"speaker":"Nick Lincoln","startTime":1405.54,"endTime":1408.27,"body":"would have done it without one,"},{"speaker":"Nick Lincoln","startTime":1405.54,"endTime":1408.27,"body":"someone like me, or one of you"},{"speaker":"Nick Lincoln","startTime":1408.27,"endTime":1411.1499999999999,"body":"guys are on one of the Trappists"},{"speaker":"Nick Lincoln","startTime":1408.27,"endTime":1411.1499999999999,"body":"who who get what we do the real"},{"speaker":"Nick Lincoln","startTime":1411.1499999999999,"endTime":1414.33,"body":"financial advisors doing what we"},{"speaker":"Nick Lincoln","startTime":1411.1499999999999,"endTime":1414.33,"body":"do, and it's all basic stuff."},{"speaker":"Nick Lincoln","startTime":1415.32,"endTime":1418.1399999999999,"body":"But you do the basics, that's"},{"speaker":"Nick Lincoln","startTime":1415.32,"endTime":1418.1399999999999,"body":"like, it's the foundation like"},{"speaker":"Nick Lincoln","startTime":1418.1399999999999,"endTime":1419.52,"body":"if you want to build a lovely"},{"speaker":"Nick Lincoln","startTime":1418.1399999999999,"endTime":1419.52,"body":"house, you've got to have a"},{"speaker":"Nick Lincoln","startTime":1419.52,"endTime":1421.56,"body":"bloody good foundation. And the"},{"speaker":"Nick Lincoln","startTime":1419.52,"endTime":1421.56,"body":"bloody good foundation is a"},{"speaker":"Nick Lincoln","startTime":1421.56,"endTime":1425.31,"body":"financial plan. Plain vanila"},{"speaker":"Nick Lincoln","startTime":1421.56,"endTime":1425.31,"body":"products, low cost transparent,"},{"speaker":"Nick Lincoln","startTime":1425.31,"endTime":1428.55,"body":"and always being ruthlessly"},{"speaker":"Nick Lincoln","startTime":1425.31,"endTime":1428.55,"body":"honest with your clients. And"},{"speaker":"Nick Lincoln","startTime":1428.55,"endTime":1431.01,"body":"saying, if you want this, you've"},{"speaker":"Nick Lincoln","startTime":1428.55,"endTime":1431.01,"body":"got to do this. There is no"},{"speaker":"Nick Lincoln","startTime":1431.01,"endTime":1437.3999999999999,"body":"shortcut. I will get you there."},{"speaker":"Nick Lincoln","startTime":1431.01,"endTime":1437.3999999999999,"body":"And that's, that's my that's my,"},{"speaker":"Nick Lincoln","startTime":1437.85,"endTime":1439.92,"body":"that's my I suppose it works."},{"speaker":"Nick Lincoln","startTime":1437.85,"endTime":1439.92,"body":"I'm doing it right now for this"},{"speaker":"Nick Lincoln","startTime":1439.92,"endTime":1443.07,"body":"guy, I'm helping him access his"},{"speaker":"Nick Lincoln","startTime":1439.92,"endTime":1443.07,"body":"pension and so forth. And, and"},{"speaker":"Nick Lincoln","startTime":1443.07,"endTime":1445.86,"body":"I'm chuckling because he's"},{"speaker":"Nick Lincoln","startTime":1443.07,"endTime":1445.86,"body":"lovely, is absolutely lovely."},{"speaker":"Nick Lincoln","startTime":1446.22,"endTime":1450.0,"body":"But he's the kind of person who"},{"speaker":"Nick Lincoln","startTime":1446.22,"endTime":1450.0,"body":"would get who will get fleeced"},{"speaker":"Nick Lincoln","startTime":1450.0,"endTime":1453.0,"body":"or cook kangaroos. He's got like"},{"speaker":"Nick Lincoln","startTime":1450.0,"endTime":1453.0,"body":"most people we deal with this"},{"speaker":"Nick Lincoln","startTime":1453.0,"endTime":1455.31,"body":"stuff all the time and we're"},{"speaker":"Nick Lincoln","startTime":1453.0,"endTime":1455.31,"body":"immersed in it right and we know"},{"speaker":"Nick Lincoln","startTime":1455.31,"endTime":1459.3,"body":"it all the nudges and behavioral"},{"speaker":"Nick Lincoln","startTime":1455.31,"endTime":1459.3,"body":"stuff most people out there I"},{"speaker":"Nick Lincoln","startTime":1459.3,"endTime":1462.81,"body":"just pray for that for the scum"},{"speaker":"Nick Lincoln","startTime":1459.3,"endTime":1462.81,"body":"for the scam that exist out"},{"speaker":"Nick Lincoln","startTime":1462.81,"endTime":1465.1499999999999,"body":"there they still do exist out"},{"speaker":"Nick Lincoln","startTime":1462.81,"endTime":1465.1499999999999,"body":"there in our role is to try and"},{"speaker":"Nick Lincoln","startTime":1465.1499999999999,"endTime":1467.9099999999999,"body":"shield these people that we like"},{"speaker":"Nick Lincoln","startTime":1465.1499999999999,"endTime":1467.9099999999999,"body":"from them. So that's that's my"},{"speaker":"Nick Lincoln","startTime":1467.9099999999999,"endTime":1469.92,"body":"story and the Elena wave you got"},{"speaker":"Nick Lincoln","startTime":1467.9099999999999,"endTime":1469.92,"body":"something to add."},{"speaker":"Andy Hart","startTime":1472.4099999999999,"endTime":1474.75,"body":"But I'll chip in Are"},{"speaker":"Andy Hart","startTime":1472.4099999999999,"endTime":1474.75,"body":"you gonna go ahead? Storytime"},{"speaker":"Andy Hart","startTime":1474.75,"endTime":1477.8999999999999,"body":"abandons me for coming in a"},{"speaker":"Andy Hart","startTime":1474.75,"endTime":1477.8999999999999,"body":"minute. The definition of real"},{"speaker":"Andy Hart","startTime":1477.8999999999999,"endTime":1482.46,"body":"wealth I think these changes all"},{"speaker":"Andy Hart","startTime":1477.8999999999999,"endTime":1482.46,"body":"the time. I don't know. I feel"},{"speaker":"Andy Hart","startTime":1482.46,"endTime":1485.61,"body":"like wealth freedom is waking up"},{"speaker":"Andy Hart","startTime":1482.46,"endTime":1485.61,"body":"without a boss even though"},{"speaker":"Andy Hart","startTime":1485.61,"endTime":1488.85,"body":"you've all got a boss of some"},{"speaker":"Andy Hart","startTime":1485.61,"endTime":1488.85,"body":"sort. Filling your diary up with"},{"speaker":"Andy Hart","startTime":1488.85,"endTime":1492.18,"body":"things that you want to do."},{"speaker":"Andy Hart","startTime":1488.85,"endTime":1492.18,"body":"Surrounding yourself with people"},{"speaker":"Andy Hart","startTime":1492.18,"endTime":1497.1,"body":"you love good friends, good"},{"speaker":"Andy Hart","startTime":1492.18,"endTime":1497.1,"body":"clients, family. I'm often I"},{"speaker":"Andy Hart","startTime":1497.1,"endTime":1499.74,"body":"think I'm quite blessed being"},{"speaker":"Andy Hart","startTime":1497.1,"endTime":1499.74,"body":"born in London and being in a"},{"speaker":"Andy Hart","startTime":1499.74,"endTime":1503.67,"body":"business that sort of pays quite"},{"speaker":"Andy Hart","startTime":1499.74,"endTime":1503.67,"body":"well. So I obviously hang around"},{"speaker":"Andy Hart","startTime":1503.67,"endTime":1506.49,"body":"in some some nice places. So I"},{"speaker":"Andy Hart","startTime":1503.67,"endTime":1506.49,"body":"often am with people and just"},{"speaker":"Andy Hart","startTime":1506.49,"endTime":1509.9099999999999,"body":"say, you know, these are the"},{"speaker":"Andy Hart","startTime":1506.49,"endTime":1509.9099999999999,"body":"moments we need to enjoy. Even"},{"speaker":"Andy Hart","startTime":1509.9099999999999,"endTime":1515.6399999999999,"body":"I've had a couple of tough"},{"speaker":"Andy Hart","startTime":1509.9099999999999,"endTime":1515.6399999999999,"body":"years. Anyway, so yeah."},{"speaker":"Carl Widger","startTime":1517.3799999999999,"endTime":1525.8999999999999,"body":"Andy devil, he"},{"speaker":"Carl Widger","startTime":1517.3799999999999,"endTime":1525.8999999999999,"body":"knows about everything. He can't"},{"speaker":"Carl Widger","startTime":1525.8999999999999,"endTime":1534.48,"body":"be told anything his name, just"},{"speaker":"Carl Widger","startTime":1525.8999999999999,"endTime":1534.48,"body":"before you go So the definition"},{"speaker":"Carl Widger","startTime":1534.48,"endTime":1537.6599999999999,"body":"of real financial planning is"},{"speaker":"Carl Widger","startTime":1534.48,"endTime":1537.6599999999999,"body":"being born in London."},{"speaker":"Alan Smith","startTime":1538.59,"endTime":1540.54,"body":"And hanging out in"},{"speaker":"Alan Smith","startTime":1538.59,"endTime":1540.54,"body":"fancy places."},{"speaker":"Andy Hart","startTime":1542.9099999999999,"endTime":1547.95,"body":"In a puddle is"},{"speaker":"Andy Hart","startTime":1542.9099999999999,"endTime":1547.95,"body":"meaningful work to do and you"},{"speaker":"Andy Hart","startTime":1549.54,"endTime":1550.1399999999999,"body":"realize realized"},{"speaker":"Alan Smith","startTime":1550.1399999999999,"endTime":1552.75,"body":"that you went on to"},{"speaker":"Alan Smith","startTime":1550.1399999999999,"endTime":1552.75,"body":"management. Now that's where"},{"speaker":"Alan Smith","startTime":1552.75,"endTime":1553.2,"body":"he's self taught."},{"speaker":"Nick Lincoln","startTime":1553.44,"endTime":1554.97,"body":"I think there's"},{"speaker":"Nick Lincoln","startTime":1553.44,"endTime":1554.97,"body":"stuff where this point is making"},{"speaker":"Nick Lincoln","startTime":1554.97,"endTime":1557.7,"body":"which I, which I, which I get as"},{"speaker":"Nick Lincoln","startTime":1554.97,"endTime":1557.7,"body":"well. Exactly. Yeah,"},{"speaker":"Alan Smith","startTime":1558.24,"endTime":1564.75,"body":"I can't I do that"},{"speaker":"Alan Smith","startTime":1558.24,"endTime":1564.75,"body":"question. There was another"},{"speaker":"Alan Smith","startTime":1564.75,"endTime":1568.47,"body":"podcast that I'm associated"},{"speaker":"Alan Smith","startTime":1564.75,"endTime":1568.47,"body":"with, about business owners and"},{"speaker":"Alan Smith","startTime":1568.47,"endTime":1570.93,"body":"entrepreneurs who go through a"},{"speaker":"Alan Smith","startTime":1568.47,"endTime":1570.93,"body":"particular journey and the exit"},{"speaker":"Alan Smith","startTime":1570.93,"endTime":1573.6,"body":"their businesses and make"},{"speaker":"Alan Smith","startTime":1570.93,"endTime":1573.6,"body":"usually significant sums of"},{"speaker":"Alan Smith","startTime":1573.6,"endTime":1577.17,"body":"money. I asked the question at"},{"speaker":"Alan Smith","startTime":1573.6,"endTime":1577.17,"body":"the time, which is true, you"},{"speaker":"Alan Smith","startTime":1577.17,"endTime":1579.6299999999999,"body":"said true wealth, and what's"},{"speaker":"Alan Smith","startTime":1577.17,"endTime":1579.6299999999999,"body":"your definition of true wealth?"},{"speaker":"Alan Smith","startTime":1580.35,"endTime":1582.8999999999999,"body":"And the answers are all version"},{"speaker":"Alan Smith","startTime":1580.35,"endTime":1582.8999999999999,"body":"of the same. It's all kind of"},{"speaker":"Alan Smith","startTime":1582.93,"endTime":1586.68,"body":"independence, freedom, deciding,"},{"speaker":"Alan Smith","startTime":1582.93,"endTime":1586.68,"body":"you know, what you do, where you"},{"speaker":"Alan Smith","startTime":1586.68,"endTime":1589.26,"body":"spend your time, who you spend"},{"speaker":"Alan Smith","startTime":1586.68,"endTime":1589.26,"body":"your time with. And what's"},{"speaker":"Alan Smith","startTime":1589.26,"endTime":1592.08,"body":"apparent is I was really, you"},{"speaker":"Alan Smith","startTime":1589.26,"endTime":1592.08,"body":"know, quite touched, and you"},{"speaker":"Alan Smith","startTime":1592.08,"endTime":1595.74,"body":"were you to keep in touch with"},{"speaker":"Alan Smith","startTime":1592.08,"endTime":1595.74,"body":"us during your your dad's 80th"},{"speaker":"Alan Smith","startTime":1595.83,"endTime":1598.23,"body":"birthday. Because I mean, my old"},{"speaker":"Alan Smith","startTime":1595.83,"endTime":1598.23,"body":"man was at a couple of years"},{"speaker":"Alan Smith","startTime":1598.23,"endTime":1603.18,"body":"ago, and I was at his. And, you"},{"speaker":"Alan Smith","startTime":1598.23,"endTime":1603.18,"body":"know, really, when someone gets"},{"speaker":"Alan Smith","startTime":1603.18,"endTime":1606.87,"body":"to 80, you know, that, that"},{"speaker":"Alan Smith","startTime":1603.18,"endTime":1606.87,"body":"there might not be too many of"},{"speaker":"Alan Smith","startTime":1606.87,"endTime":1610.11,"body":"those big birth, these men are"},{"speaker":"Alan Smith","startTime":1606.87,"endTime":1610.11,"body":"90th 100, hopefully, but you"},{"speaker":"Alan Smith","startTime":1610.11,"endTime":1612.57,"body":"never know. And so it's a it's a"},{"speaker":"Alan Smith","startTime":1610.11,"endTime":1612.57,"body":"reflective period, it's great to"},{"speaker":"Alan Smith","startTime":1612.57,"endTime":1616.29,"body":"have your family around. And"},{"speaker":"Alan Smith","startTime":1612.57,"endTime":1616.29,"body":"there's any amount of research"},{"speaker":"Alan Smith","startTime":1616.29,"endTime":1620.58,"body":"and evidence that says when you"},{"speaker":"Alan Smith","startTime":1616.29,"endTime":1620.58,"body":"talk about money, what gives us"},{"speaker":"Alan Smith","startTime":1620.76,"endTime":1625.5,"body":"meaning and value is experiences"},{"speaker":"Alan Smith","startTime":1620.76,"endTime":1625.5,"body":"more than things, you and your"},{"speaker":"Alan Smith","startTime":1625.5,"endTime":1628.35,"body":"family car will remember that"},{"speaker":"Alan Smith","startTime":1625.5,"endTime":1628.35,"body":"for the rest of your lives. That"},{"speaker":"Alan Smith","startTime":1628.35,"endTime":1632.43,"body":"that day that weekend, for sure."},{"speaker":"Alan Smith","startTime":1628.35,"endTime":1632.43,"body":"If you'd gone and bought"},{"speaker":"Alan Smith","startTime":1632.43,"endTime":1635.94,"body":"yourself a whatever, a car or"},{"speaker":"Alan Smith","startTime":1632.43,"endTime":1635.94,"body":"something else fancy you'd have"},{"speaker":"Alan Smith","startTime":1635.94,"endTime":1639.06,"body":"enjoyed it for a day or a week"},{"speaker":"Alan Smith","startTime":1635.94,"endTime":1639.06,"body":"or a month, but you'd have been"},{"speaker":"Alan Smith","startTime":1639.09,"endTime":1641.52,"body":"frustrated with it as time went"},{"speaker":"Alan Smith","startTime":1639.09,"endTime":1641.52,"body":"on. So I think that's one of the"},{"speaker":"Alan Smith","startTime":1641.52,"endTime":1646.62,"body":"key things. When people build"},{"speaker":"Alan Smith","startTime":1641.52,"endTime":1646.62,"body":"wealth or come into wealth. They"},{"speaker":"Alan Smith","startTime":1646.62,"endTime":1649.71,"body":"think What should I do now? Do I"},{"speaker":"Alan Smith","startTime":1646.62,"endTime":1649.71,"body":"buyer to buy a fancy car? Do I"},{"speaker":"Alan Smith","startTime":1695.79,"endTime":1699.2099999999998,"body":"buy a holiday home to buy"},{"speaker":"Alan Smith","startTime":1695.79,"endTime":1699.2099999999998,"body":"something else? And often the"},{"speaker":"Alan Smith","startTime":1699.2099999999998,"endTime":1701.2199999999998,"body":"answer is and this is where a"},{"speaker":"Alan Smith","startTime":1699.2099999999998,"endTime":1701.2199999999998,"body":"lot of the work that we should"},{"speaker":"Alan Smith","startTime":1701.2199999999998,"endTime":1704.76,"body":"be doing it is coaching and the"},{"speaker":"Alan Smith","startTime":1701.2199999999998,"endTime":1704.76,"body":"answer may well be it may be to"},{"speaker":"Alan Smith","startTime":1704.76,"endTime":1707.82,"body":"buy you know some a toy or a"},{"speaker":"Alan Smith","startTime":1704.76,"endTime":1707.82,"body":"fancy thing that may be but you"},{"speaker":"Alan Smith","startTime":1707.82,"endTime":1711.0,"body":"know that the pleasure is"},{"speaker":"Alan Smith","startTime":1707.82,"endTime":1711.0,"body":"fleeting? That's that's that's"},{"speaker":"Alan Smith","startTime":1711.0,"endTime":1714.06,"body":"evidence based that's factual,"},{"speaker":"Alan Smith","startTime":1711.0,"endTime":1714.06,"body":"based on tons and tons of"},{"speaker":"Alan Smith","startTime":1714.06,"endTime":1718.56,"body":"research. I'll share you're"},{"speaker":"Alan Smith","startTime":1714.06,"endTime":1718.56,"body":"talking about specific client"},{"speaker":"Alan Smith","startTime":1718.56,"endTime":1721.1699999999998,"body":"stories. This theory goes Thank"},{"speaker":"Alan Smith","startTime":1718.56,"endTime":1721.1699999999998,"body":"you"},{"speaker":"Unknown","startTime":1724.26,"endTime":1729.7199999999998,"body":"grab yourself a drink a"},{"speaker":"Unknown","startTime":1724.26,"endTime":1729.7199999999998,"body":"very long drink it Storytime"},{"speaker":"Unknown","startTime":1729.9299999999998,"endTime":1731.4599999999998,"body":"with Alan Smith."},{"speaker":"Nick Lincoln","startTime":1731.6699999999998,"endTime":1733.2299999999998,"body":"I should be the"},{"speaker":"Nick Lincoln","startTime":1731.6699999999998,"endTime":1733.2299999999998,"body":"capital asset management Hold"},{"speaker":"Nick Lincoln","startTime":1733.2299999999998,"endTime":1734.9699999999998,"body":"Music crack crack office."},{"speaker":"Alan Smith","startTime":1735.629,"endTime":1739.1989999999998,"body":"We're not gonna do"},{"speaker":"Alan Smith","startTime":1735.629,"endTime":1739.1989999999998,"body":"that every week like Oh, man."},{"speaker":"Nick Lincoln","startTime":1742.6499999999999,"endTime":1744.2099999999998,"body":"Tell us a story. I"},{"speaker":"Nick Lincoln","startTime":1742.6499999999999,"endTime":1744.2099999999998,"body":"went down in Krakow"},{"speaker":"Alan Smith","startTime":1746.61,"endTime":1749.4899999999998,"body":"actually just"},{"speaker":"Alan Smith","startTime":1746.61,"endTime":1749.4899999999998,"body":"reflecting on what's going on in"},{"speaker":"Alan Smith","startTime":1749.4899999999998,"endTime":1752.9099999999999,"body":"the world right now wells are"},{"speaker":"Alan Smith","startTime":1749.4899999999998,"endTime":1752.9099999999999,"body":"also in the World Cup big match"},{"speaker":"Alan Smith","startTime":1752.9099999999999,"endTime":1755.7299999999998,"body":"against England coming up there"},{"speaker":"Alan Smith","startTime":1752.9099999999999,"endTime":1755.7299999999998,"body":"is no Welsh representation is"},{"speaker":"Alan Smith","startTime":1755.7299999999998,"endTime":1760.2299999999998,"body":"English, Scots and Irish on this"},{"speaker":"Alan Smith","startTime":1755.7299999999998,"endTime":1760.2299999999998,"body":"group. I'm Welsh. Welsh and and"},{"speaker":"Alan Smith","startTime":1760.2299999999998,"endTime":1762.12,"body":"he's got he's got some of the"},{"speaker":"Alan Smith","startTime":1760.2299999999998,"endTime":1762.12,"body":"tough Alright, so you're"},{"speaker":"Andy Hart","startTime":1762.7199999999998,"endTime":1765.3,"body":"half Scottish? I'm"},{"speaker":"Andy Hart","startTime":1762.7199999999998,"endTime":1765.3,"body":"not English, but I'm born in"},{"speaker":"Andy Hart","startTime":1765.4499999999998,"endTime":1766.26,"body":"England. Right. So"},{"speaker":"Alan Smith","startTime":1766.26,"endTime":1770.28,"body":"we've got we've got"},{"speaker":"Alan Smith","startTime":1766.26,"endTime":1770.28,"body":"full representation. Oh, and"},{"speaker":"Alan Smith","startTime":1770.31,"endTime":1773.4299999999998,"body":"just on that having just, you"},{"speaker":"Alan Smith","startTime":1770.31,"endTime":1773.4299999999998,"body":"know, lots of stuff activity"},{"speaker":"Alan Smith","startTime":1773.4299999999998,"endTime":1775.9199999999998,"body":"going on Wales. You know, the"},{"speaker":"Alan Smith","startTime":1773.4299999999998,"endTime":1775.9199999999998,"body":"deadlift is against Georgia, but"},{"speaker":"Alan Smith","startTime":1775.9199999999998,"endTime":1778.8,"body":"they did have a decent results"},{"speaker":"Alan Smith","startTime":1775.9199999999998,"endTime":1778.8,"body":"against the United States and"},{"speaker":"Alan Smith","startTime":1778.8,"endTime":1782.2199999999998,"body":"played in England in the World"},{"speaker":"Alan Smith","startTime":1778.8,"endTime":1782.2199999999998,"body":"Cup. Have you seen that the"},{"speaker":"Alan Smith","startTime":1782.25,"endTime":1786.03,"body":"video that Michael Sheen, giving"},{"speaker":"Alan Smith","startTime":1782.25,"endTime":1786.03,"body":"a speech about Wales, it is"},{"speaker":"Alan Smith","startTime":1786.03,"endTime":1790.29,"body":"brilliant, almost makes you want"},{"speaker":"Alan Smith","startTime":1786.03,"endTime":1790.29,"body":"to become Welsh. Linked to that?"},{"speaker":"Alan Smith","startTime":1790.32,"endTime":1790.7399999999998,"body":"Whoa,"},{"speaker":"Nick Lincoln","startTime":1790.7399999999998,"endTime":1791.6999999999998,"body":"hold on, hold on,"},{"speaker":"Nick Lincoln","startTime":1790.7399999999998,"endTime":1791.6999999999998,"body":"hold"},{"speaker":"Andy Hart","startTime":1791.6999999999998,"endTime":1794.6699999999998,"body":"on. But do you know"},{"speaker":"Andy Hart","startTime":1791.6999999999998,"endTime":1794.6699999999998,"body":"the funny thing about this, the"},{"speaker":"Andy Hart","startTime":1794.6699999999998,"endTime":1797.37,"body":"manager of wells now is crapping"},{"speaker":"Andy Hart","startTime":1794.6699999999998,"endTime":1797.37,"body":"himself that he's got to do a"},{"speaker":"Andy Hart","startTime":1797.37,"endTime":1800.9099999999999,"body":"talk before their first game"},{"speaker":"Andy Hart","startTime":1797.37,"endTime":1800.9099999999999,"body":"against USA. And he's like, how"},{"speaker":"Andy Hart","startTime":1800.9099999999999,"endTime":1806.85,"body":"on earth? Am I knew anything?"},{"speaker":"Andy Hart","startTime":1800.9099999999999,"endTime":1806.85,"body":"About this? No, I know. I know."},{"speaker":"Andy Hart","startTime":1806.85,"endTime":1809.1599999999999,"body":"I know. I know. Yeah. It's team."},{"speaker":"Alan Smith","startTime":1810.27,"endTime":1815.01,"body":"USA. It's the match"},{"speaker":"Alan Smith","startTime":1810.27,"endTime":1815.01,"body":"between England is about. That's"},{"speaker":"Alan Smith","startTime":1815.01,"endTime":1817.9199999999998,"body":"what the speech is about. It"},{"speaker":"Alan Smith","startTime":1815.01,"endTime":1817.9199999999998,"body":"won't be bothered by a neighbor"},{"speaker":"Alan Smith","startTime":1817.9199999999998,"endTime":1824.28,"body":"back home. Anyway, my, my, my"},{"speaker":"Alan Smith","startTime":1817.9199999999998,"endTime":1824.28,"body":"story is about a Welsh client, a"},{"speaker":"Alan Smith","startTime":1824.28,"endTime":1828.33,"body":"lady who, you know, is"},{"speaker":"Alan Smith","startTime":1824.28,"endTime":1828.33,"body":"independently wealthy had just"},{"speaker":"Alan Smith","startTime":1828.33,"endTime":1831.9299999999998,"body":"saved diligently through her"},{"speaker":"Alan Smith","startTime":1828.33,"endTime":1831.9299999999998,"body":"life. She's single, and she"},{"speaker":"Alan Smith","startTime":1832.4099999999999,"endTime":1835.11,"body":"would come in and meet me and"},{"speaker":"Alan Smith","startTime":1832.4099999999999,"endTime":1835.11,"body":"we'd update and, you know,"},{"speaker":"Alan Smith","startTime":1835.11,"endTime":1839.1299999999999,"body":"investments were proceeding"},{"speaker":"Alan Smith","startTime":1835.11,"endTime":1839.1299999999999,"body":"well, and she was gathering and"},{"speaker":"Alan Smith","startTime":1839.1299999999999,"endTime":1842.3999999999999,"body":"growing her assets. And I would"},{"speaker":"Alan Smith","startTime":1839.1299999999999,"endTime":1842.3999999999999,"body":"often say to her, yeah, what do"},{"speaker":"Alan Smith","startTime":1842.3999999999999,"endTime":1844.3799999999999,"body":"you want to do? How do you want"},{"speaker":"Alan Smith","startTime":1842.3999999999999,"endTime":1844.3799999999999,"body":"to you should spend that you"},{"speaker":"Alan Smith","startTime":1844.3799999999999,"endTime":1846.6599999999999,"body":"want to travel? You want to do"},{"speaker":"Alan Smith","startTime":1844.3799999999999,"endTime":1846.6599999999999,"body":"anything. She would also know"},{"speaker":"Alan Smith","startTime":1846.6599999999999,"endTime":1849.1799999999998,"body":"I'm not so sure about that. And"},{"speaker":"Alan Smith","startTime":1846.6599999999999,"endTime":1849.1799999999998,"body":"I'm getting older. I'm not sure"},{"speaker":"Alan Smith","startTime":1849.1799999999998,"endTime":1852.0,"body":"we're on travel too far. And I"},{"speaker":"Alan Smith","startTime":1849.1799999999998,"endTime":1852.0,"body":"kept pushing the point of"},{"speaker":"Alan Smith","startTime":1852.0,"endTime":1854.2199999999998,"body":"signature because this was just"},{"speaker":"Alan Smith","startTime":1852.0,"endTime":1854.2199999999998,"body":"accumulating more and more"},{"speaker":"Alan Smith","startTime":1854.2199999999998,"endTime":1857.4299999999998,"body":"wealth as years went by. And"},{"speaker":"Alan Smith","startTime":1854.2199999999998,"endTime":1857.4299999999998,"body":"because of my understanding that"},{"speaker":"Alan Smith","startTime":1857.4299999999998,"endTime":1860.1599999999999,"body":"experiences are important, and"},{"speaker":"Alan Smith","startTime":1857.4299999999998,"endTime":1860.1599999999999,"body":"she did like to have a holidays"},{"speaker":"Alan Smith","startTime":1860.1599999999999,"endTime":1863.85,"body":"and so on. And she told me she"},{"speaker":"Alan Smith","startTime":1860.1599999999999,"endTime":1863.85,"body":"said, Do you know what she said"},{"speaker":"Alan Smith","startTime":1863.8799999999999,"endTime":1869.1599999999999,"body":"there's a place in Patagonia,"},{"speaker":"Alan Smith","startTime":1863.8799999999999,"endTime":1869.1599999999999,"body":"Argentina, which is Welsh"},{"speaker":"Alan Smith","startTime":1869.1599999999999,"endTime":1872.34,"body":"speaking, she said 100 and"},{"speaker":"Alan Smith","startTime":1869.1599999999999,"endTime":1872.34,"body":"something years ago, I never"},{"speaker":"Alan Smith","startTime":1872.34,"endTime":1875.31,"body":"heard this 100 something years"},{"speaker":"Alan Smith","startTime":1872.34,"endTime":1875.31,"body":"ago, when all the kind of the"},{"speaker":"Alan Smith","startTime":1875.31,"endTime":1879.51,"body":"mining I think tin mining it was"},{"speaker":"Alan Smith","startTime":1875.31,"endTime":1879.51,"body":"sort of dried up in Wales. A"},{"speaker":"Alan Smith","startTime":1879.51,"endTime":1883.77,"body":"bunch of kind of pioneering"},{"speaker":"Alan Smith","startTime":1879.51,"endTime":1883.77,"body":"exploring Welsh people. I've"},{"speaker":"Alan Smith","startTime":1883.77,"endTime":1886.7099999999998,"body":"been told that there's, you"},{"speaker":"Alan Smith","startTime":1883.77,"endTime":1886.7099999999998,"body":"know, the, the hills are paved"},{"speaker":"Alan Smith","startTime":1886.7099999999998,"endTime":1889.1699999999998,"body":"with gold in this part of the"},{"speaker":"Alan Smith","startTime":1886.7099999999998,"endTime":1889.1699999999998,"body":"world, Patagonia, Argentina. So"},{"speaker":"Alan Smith","startTime":1889.1699999999998,"endTime":1892.1999999999998,"body":"they went out there, and it"},{"speaker":"Alan Smith","startTime":1889.1699999999998,"endTime":1892.1999999999998,"body":"creates a retirement created a"},{"speaker":"Alan Smith","startTime":1892.1999999999998,"endTime":1896.8799999999999,"body":"community. And to this day, they"},{"speaker":"Alan Smith","startTime":1892.1999999999998,"endTime":1896.8799999999999,"body":"still speak Welsh, and they"},{"speaker":"Alan Smith","startTime":1896.8799999999999,"endTime":1899.01,"body":"participate all the Welsh"},{"speaker":"Alan Smith","startTime":1896.8799999999999,"endTime":1899.01,"body":"activities and support the Welsh"},{"speaker":"Alan Smith","startTime":1899.01,"endTime":1901.6499999999999,"body":"rugby, and they dress and some"},{"speaker":"Alan Smith","startTime":1899.01,"endTime":1901.6499999999999,"body":"traditional Welsh, Scotland. And"},{"speaker":"Alan Smith","startTime":1901.6499999999999,"endTime":1904.08,"body":"she said to me, you know, I've"},{"speaker":"Alan Smith","startTime":1901.6499999999999,"endTime":1904.08,"body":"always wanted to go there,"},{"speaker":"Alan Smith","startTime":1904.08,"endTime":1907.11,"body":"because she's, she's a fluent"},{"speaker":"Alan Smith","startTime":1904.08,"endTime":1907.11,"body":"Welsh speaker, this client lives"},{"speaker":"Alan Smith","startTime":1907.11,"endTime":1909.51,"body":"in London, our speaker, she"},{"speaker":"Alan Smith","startTime":1907.11,"endTime":1909.51,"body":"said, I want to go there. And I"},{"speaker":"Alan Smith","startTime":1909.51,"endTime":1912.36,"body":"said, Well, why don't you Oh,"},{"speaker":"Alan Smith","startTime":1909.51,"endTime":1912.36,"body":"it's too far to go. And it's"},{"speaker":"Alan Smith","startTime":1912.36,"endTime":1917.85,"body":"very expensive. And so long"},{"speaker":"Alan Smith","startTime":1912.36,"endTime":1917.85,"body":"story short, I encouraged her"},{"speaker":"Alan Smith","startTime":1917.85,"endTime":1920.9399999999998,"body":"and she said, Oh, but it's my"},{"speaker":"Alan Smith","startTime":1917.85,"endTime":1920.9399999999998,"body":"back is a long journey on an"},{"speaker":"Alan Smith","startTime":1920.9399999999998,"endTime":1923.37,"body":"aeroplane. I said, we'll just go"},{"speaker":"Alan Smith","startTime":1920.9399999999998,"endTime":1923.37,"body":"business class, you can have,"},{"speaker":"Alan Smith","startTime":1923.4299999999998,"endTime":1926.85,"body":"you know, flatbed and, or"},{"speaker":"Alan Smith","startTime":1923.4299999999998,"endTime":1926.85,"body":"couldn't, it's really expensive."},{"speaker":"Alan Smith","startTime":1927.27,"endTime":1930.27,"body":"And we just demonstrated that it"},{"speaker":"Alan Smith","startTime":1927.27,"endTime":1930.27,"body":"would make not a jot of"},{"speaker":"Alan Smith","startTime":1930.27,"endTime":1934.08,"body":"difference in her lifetime plan."},{"speaker":"Alan Smith","startTime":1930.27,"endTime":1934.08,"body":"And she's and I encouraged and I"},{"speaker":"Alan Smith","startTime":1934.08,"endTime":1936.7199999999998,"body":"said to her, right, let's she"},{"speaker":"Alan Smith","startTime":1934.08,"endTime":1936.7199999999998,"body":"was nodding there all right"},{"speaker":"Alan Smith","startTime":1936.7199999999998,"endTime":1938.4299999999998,"body":"place and I said, Do you have a"},{"speaker":"Alan Smith","startTime":1936.7199999999998,"endTime":1938.4299999999998,"body":"travel agent? Do you use"},{"speaker":"Alan Smith","startTime":1938.4299999999998,"endTime":1940.83,"body":"somebody? She said, Well, I do."},{"speaker":"Alan Smith","startTime":1938.4299999999998,"endTime":1940.83,"body":"I usually use this person on the"},{"speaker":"Alan Smith","startTime":1940.83,"endTime":1943.86,"body":"high street where I live and the"},{"speaker":"Alan Smith","startTime":1940.83,"endTime":1943.86,"body":"book my local holidays, I said,"},{"speaker":"Alan Smith","startTime":1943.86,"endTime":1946.4099999999999,"body":"do me something. Promise me that"},{"speaker":"Alan Smith","startTime":1943.86,"endTime":1946.4099999999999,"body":"you'll go and see that travel"},{"speaker":"Alan Smith","startTime":1946.4099999999999,"endTime":1950.6699999999998,"body":"agent today as she goes, Okay. I"},{"speaker":"Alan Smith","startTime":1946.4099999999999,"endTime":1950.6699999999998,"body":"will. So hold her accountable."},{"speaker":"Alan Smith","startTime":1950.6999999999998,"endTime":1953.4899999999998,"body":"called her a week later, did you"},{"speaker":"Alan Smith","startTime":1950.6999999999998,"endTime":1953.4899999999998,"body":"do it yet? He said, I booked it."},{"speaker":"Alan Smith","startTime":1953.9399999999998,"endTime":1956.9399999999998,"body":"Long story short, a year later,"},{"speaker":"Alan Smith","startTime":1953.9399999999998,"endTime":1956.9399999999998,"body":"she comes back comes into the"},{"speaker":"Alan Smith","startTime":1956.9399999999998,"endTime":1959.28,"body":"office shows me all the"},{"speaker":"Alan Smith","startTime":1956.9399999999998,"endTime":1959.28,"body":"photographs. She traveled out"},{"speaker":"Alan Smith","startTime":1959.28,"endTime":1962.4599999999998,"body":"there, she had the time of her"},{"speaker":"Alan Smith","startTime":1959.28,"endTime":1962.4599999999998,"body":"life. And by some sheer"},{"speaker":"Alan Smith","startTime":1962.4599999999998,"endTime":1966.81,"body":"coincidence, get this, the Welsh"},{"speaker":"Alan Smith","startTime":1962.4599999999998,"endTime":1966.81,"body":"rugby team were visiting that"},{"speaker":"Alan Smith","startTime":1966.81,"endTime":1971.01,"body":"village. That weekend that she"},{"speaker":"Alan Smith","startTime":1966.81,"endTime":1971.01,"body":"was there. It was unbelievable."},{"speaker":"Alan Smith","startTime":1971.01,"endTime":1973.83,"body":"She was just welling up sharing"},{"speaker":"Alan Smith","startTime":1971.01,"endTime":1973.83,"body":"with tears of joy, this"},{"speaker":"Alan Smith","startTime":1973.83,"endTime":1976.53,"body":"experience. And she got she then"},{"speaker":"Alan Smith","startTime":1973.83,"endTime":1976.53,"body":"got the travel bug, she then the"},{"speaker":"Alan Smith","startTime":1976.53,"endTime":1979.08,"body":"following year went to Machu"},{"speaker":"Alan Smith","startTime":1976.53,"endTime":1979.08,"body":"Picchu and various other places."},{"speaker":"Alan Smith","startTime":1979.08,"endTime":1981.03,"body":"Eventually I'd say calm down a"},{"speaker":"Alan Smith","startTime":1979.08,"endTime":1981.03,"body":"bit. You're the money money's"},{"speaker":"Alan Smith","startTime":1981.03,"endTime":1984.8999999999999,"body":"not gonna last forever. You"},{"speaker":"Alan Smith","startTime":1981.03,"endTime":1984.8999999999999,"body":"can't afford our fees and"},{"speaker":"Andy Hart","startTime":1988.08,"endTime":1990.75,"body":"your minimum balance."},{"speaker":"Andy Hart","startTime":1988.08,"endTime":1990.75,"body":"We don't have minimums. We're"},{"speaker":"Andy Hart","startTime":1990.75,"endTime":1991.56,"body":"fixed fees."},{"speaker":"Alan Smith","startTime":1992.31,"endTime":1994.4399999999998,"body":"Move on. But that"},{"speaker":"Alan Smith","startTime":1992.31,"endTime":1994.4399999999998,"body":"was just a little I always"},{"speaker":"Alan Smith","startTime":1994.4399999999998,"endTime":1997.02,"body":"remember that story. Because it"},{"speaker":"Alan Smith","startTime":1994.4399999999998,"endTime":1997.02,"body":"was she would never have done"},{"speaker":"Alan Smith","startTime":1997.02,"endTime":1998.9399999999998,"body":"it. I just sort of nagged at"},{"speaker":"Alan Smith","startTime":1997.02,"endTime":1998.9399999999998,"body":"her. I said, you know, it's not"},{"speaker":"Alan Smith","startTime":1998.9399999999998,"endTime":2001.9699999999998,"body":"gonna make a difference. And she"},{"speaker":"Alan Smith","startTime":1998.9399999999998,"endTime":2001.9699999999998,"body":"flew British Airways business"},{"speaker":"Alan Smith","startTime":2001.9699999999998,"endTime":2004.28,"body":"class, it was a wonderful"},{"speaker":"Alan Smith","startTime":2001.9699999999998,"endTime":2004.28,"body":"experience. And, you know, the"},{"speaker":"Alan Smith","startTime":2004.28,"endTime":2006.9499999999998,"body":"icing on the cake was the Welsh"},{"speaker":"Alan Smith","startTime":2004.28,"endTime":2006.9499999999998,"body":"rugby team being just met, but"},{"speaker":"Alan Smith","startTime":2006.9499999999998,"endTime":2009.29,"body":"oh, here is so those are the"},{"speaker":"Alan Smith","startTime":2006.9499999999998,"endTime":2009.29,"body":"things those are the"},{"speaker":"Alan Smith","startTime":2009.29,"endTime":2013.01,"body":"experiences, just resources,"},{"speaker":"Alan Smith","startTime":2009.29,"endTime":2013.01,"body":"money for, facilitate them,"},{"speaker":"Andy Hart","startTime":2013.34,"endTime":2016.7299999999998,"body":"just to chip in now."},{"speaker":"Andy Hart","startTime":2013.34,"endTime":2016.7299999999998,"body":"So on my Maven, advisor.com"},{"speaker":"Andy Hart","startTime":2016.7299999999998,"endTime":2019.4899999999998,"body":"website, people go there and"},{"speaker":"Andy Hart","startTime":2016.7299999999998,"endTime":2019.4899999999998,"body":"want to potentially become a"},{"speaker":"Andy Hart","startTime":2019.4899999999998,"endTime":2022.9399999999998,"body":"client anyway. So subscribe to"},{"speaker":"Andy Hart","startTime":2019.4899999999998,"endTime":2022.9399999999998,"body":"my email newsletter. And the"},{"speaker":"Andy Hart","startTime":2022.9399999999998,"endTime":2025.4599999999998,"body":"first question I asked them in"},{"speaker":"Andy Hart","startTime":2022.9399999999998,"endTime":2025.4599999999998,"body":"bold is, what's your biggest"},{"speaker":"Andy Hart","startTime":2025.4599999999998,"endTime":2028.04,"body":"financial concern at the moment,"},{"speaker":"Andy Hart","startTime":2025.4599999999998,"endTime":2028.04,"body":"just hit repeat reply just to"},{"speaker":"Andy Hart","startTime":2028.04,"endTime":2030.8899999999999,"body":"see where they're at. And I got"},{"speaker":"Andy Hart","startTime":2028.04,"endTime":2030.8899999999999,"body":"reply a couple of days ago from"},{"speaker":"Andy Hart","startTime":2030.8899999999999,"endTime":2034.85,"body":"someone saying my biggest"},{"speaker":"Andy Hart","startTime":2030.8899999999999,"endTime":2034.85,"body":"financial concern is to do with"},{"speaker":"Andy Hart","startTime":2034.85,"endTime":2038.87,"body":"whether I should have bond bonds"},{"speaker":"Andy Hart","startTime":2034.85,"endTime":2038.87,"body":"as part of my portfolio at all."},{"speaker":"Andy Hart","startTime":2039.4699999999998,"endTime":2043.34,"body":"And then he goes on to list four"},{"speaker":"Andy Hart","startTime":2039.4699999999998,"endTime":2043.34,"body":"points about bond funds. I think"},{"speaker":"Andy Hart","startTime":2043.34,"endTime":2046.52,"body":"I shared it with you the other"},{"speaker":"Andy Hart","startTime":2043.34,"endTime":2046.52,"body":"guys. This, to me is obviously a"},{"speaker":"Andy Hart","startTime":2046.52,"endTime":2048.68,"body":"red flag. This is not your"},{"speaker":"Andy Hart","startTime":2046.52,"endTime":2048.68,"body":"biggest financial concern at the"},{"speaker":"Andy Hart","startTime":2048.83,"endTime":2052.04,"body":"moment. I suppose it might be."},{"speaker":"Andy Hart","startTime":2048.83,"endTime":2052.04,"body":"But it's not the real concern."},{"speaker":"Andy Hart","startTime":2052.55,"endTime":2054.98,"body":"But yeah, when clients aren't,"},{"speaker":"Andy Hart","startTime":2052.55,"endTime":2054.98,"body":"so things like that,"},{"speaker":"Carl Widger","startTime":2055.43,"endTime":2058.94,"body":"but I think I need"},{"speaker":"Carl Widger","startTime":2055.43,"endTime":2058.94,"body":"to be fair, he that that client"},{"speaker":"Carl Widger","startTime":2058.97,"endTime":2063.5,"body":"or prospect may well consider"},{"speaker":"Carl Widger","startTime":2058.97,"endTime":2063.5,"body":"that to be his greatest"},{"speaker":"Carl Widger","startTime":2063.5,"endTime":2067.13,"body":"financial concern at the moment."},{"speaker":"Carl Widger","startTime":2063.5,"endTime":2067.13,"body":"Yeah. And I suppose it's, it's"},{"speaker":"Carl Widger","startTime":2067.16,"endTime":2070.49,"body":"inherent on all of us, if real"},{"speaker":"Carl Widger","startTime":2067.16,"endTime":2070.49,"body":"financial planning is what we're"},{"speaker":"Carl Widger","startTime":2070.49,"endTime":2075.71,"body":"about is to is to bring those"},{"speaker":"Carl Widger","startTime":2070.49,"endTime":2075.71,"body":"clients on the journey with us"},{"speaker":"Carl Widger","startTime":2075.71,"endTime":2080.06,"body":"on to explain, you know, the"},{"speaker":"Carl Widger","startTime":2075.71,"endTime":2080.06,"body":"real important, your serrated"},{"speaker":"Carl Widger","startTime":2080.06,"endTime":2081.47,"body":"simple car, I,"},{"speaker":"Alan Smith","startTime":2081.62,"endTime":2083.9,"body":"what I've learned"},{"speaker":"Alan Smith","startTime":2081.62,"endTime":2083.9,"body":"over the years is to meet that"},{"speaker":"Alan Smith","startTime":2083.9,"endTime":2086.48,"body":"client or that prospective"},{"speaker":"Alan Smith","startTime":2083.9,"endTime":2086.48,"body":"client, where they are I used"},{"speaker":"Alan Smith","startTime":2086.48,"endTime":2089.0,"body":"to, if I met someone that that"},{"speaker":"Alan Smith","startTime":2086.48,"endTime":2089.0,"body":"said, no, no, none of that is"},{"speaker":"Alan Smith","startTime":2089.0,"endTime":2091.82,"body":"not your issue at all. Your"},{"speaker":"Alan Smith","startTime":2089.0,"endTime":2091.82,"body":"issue is, you know, something"},{"speaker":"Alan Smith","startTime":2091.82,"endTime":2094.19,"body":"else having enough money, enough"},{"speaker":"Alan Smith","startTime":2091.82,"endTime":2094.19,"body":"to last the rest of your life."},{"speaker":"Alan Smith","startTime":2094.4,"endTime":2097.28,"body":"And that's not how you win."},{"speaker":"Alan Smith","startTime":2094.4,"endTime":2097.28,"body":"People. That's again,"},{"speaker":"Alan Smith","startTime":2097.28,"endTime":2099.98,"body":"engagement. You say, Oh, I"},{"speaker":"Alan Smith","startTime":2097.28,"endTime":2099.98,"body":"understand. Tell me more about"},{"speaker":"Alan Smith","startTime":2099.98,"endTime":2101.99,"body":"the bond issue. Tell me more"},{"speaker":"Alan Smith","startTime":2099.98,"endTime":2101.99,"body":"about that. And then you will"},{"speaker":"Alan Smith","startTime":2101.99,"endTime":2102.71,"body":"come across,"},{"speaker":"Andy Hart","startTime":2102.74,"endTime":2104.75,"body":"okay, if you saw the"},{"speaker":"Andy Hart","startTime":2102.74,"endTime":2104.75,"body":"rest of the four points that"},{"speaker":"Andy Hart","startTime":2104.75,"endTime":2108.56,"body":"this person, it's obviously a"},{"speaker":"Andy Hart","startTime":2104.75,"endTime":2108.56,"body":"guy has listed. My tacit"},{"speaker":"Andy Hart","startTime":2108.56,"endTime":2110.93,"body":"knowledge tells me this client"},{"speaker":"Andy Hart","startTime":2108.56,"endTime":2110.93,"body":"is going to be a nightmare. But"},{"speaker":"Andy Hart","startTime":2111.02,"endTime":2111.83,"body":"yeah, I get it,"},{"speaker":"Alan Smith","startTime":2111.95,"endTime":2113.0,"body":"but you'll take him"},{"speaker":"Alan Smith","startTime":2111.95,"endTime":2113.0,"body":"on anyway."},{"speaker":"Nick Lincoln","startTime":2113.54,"endTime":2116.54,"body":"Okay. That's, I"},{"speaker":"Nick Lincoln","startTime":2113.54,"endTime":2116.54,"body":"think, Carl, I think that's a"},{"speaker":"Nick Lincoln","startTime":2116.54,"endTime":2119.3,"body":"really good really good"},{"speaker":"Nick Lincoln","startTime":2116.54,"endTime":2119.3,"body":"discussion there about what real"},{"speaker":"Nick Lincoln","startTime":2119.3,"endTime":2122.18,"body":"financial planning is. It's"},{"speaker":"Nick Lincoln","startTime":2119.3,"endTime":2122.18,"body":"about it's about in the in the"},{"speaker":"Nick Lincoln","startTime":2122.18,"endTime":2126.29,"body":"most consumer duty driven way."},{"speaker":"Nick Lincoln","startTime":2122.18,"endTime":2126.29,"body":"It's about successful client"},{"speaker":"Nick Lincoln","startTime":2126.29,"endTime":2129.44,"body":"outcomes, which people achieving"},{"speaker":"Nick Lincoln","startTime":2126.29,"endTime":2129.44,"body":"their goals right there. And,"},{"speaker":"Nick Lincoln","startTime":2129.68,"endTime":2131.96,"body":"and that's what it's all about."},{"speaker":"Nick Lincoln","startTime":2129.68,"endTime":2131.96,"body":"That's what all of us are"},{"speaker":"Nick Lincoln","startTime":2131.96,"endTime":2134.7799999999997,"body":"hardwired to do. We don't need"},{"speaker":"Nick Lincoln","startTime":2131.96,"endTime":2134.7799999999997,"body":"legislation to tell us to do it."},{"speaker":"Nick Lincoln","startTime":2137.06,"endTime":2139.6099999999997,"body":"And that's not go down"},{"speaker":"Nick Lincoln","startTime":2137.06,"endTime":2139.6099999999997,"body":"maximizing the opportunities"},{"speaker":"Alan Smith","startTime":2139.7,"endTime":2141.89,"body":"of a life well"},{"speaker":"Alan Smith","startTime":2139.7,"endTime":2141.89,"body":"lived. We might"},{"speaker":"Nick Lincoln","startTime":2141.89,"endTime":2145.52,"body":"not, is it? Okay,"},{"speaker":"Nick Lincoln","startTime":2141.89,"endTime":2145.52,"body":"I'm happy to close on that one."},{"speaker":"Nick Lincoln","startTime":2146.12,"endTime":2147.35,"body":"Yeah, thanks, guys."},{"speaker":"Andy Hart","startTime":2147.56,"endTime":2149.96,"body":"Go Nandita No, no,"},{"speaker":"Andy Hart","startTime":2147.56,"endTime":2149.96,"body":"nothing. I was just gonna say"},{"speaker":"Andy Hart","startTime":2149.96,"endTime":2153.74,"body":"that. Saudi Arabia has beaten"},{"speaker":"Andy Hart","startTime":2149.96,"endTime":2153.74,"body":"Argentina, Argentina to nil to"},{"speaker":"Andy Hart","startTime":2153.74,"endTime":2156.56,"body":"one in the World Cup. So anyway,"},{"speaker":"Andy Hart","startTime":2153.74,"endTime":2156.56,"body":"that's a very timestamp on this"},{"speaker":"Andy Hart","startTime":2156.56,"endTime":2161.24,"body":"episode. But yeah, this game are"},{"speaker":"Andy Hart","startTime":2156.56,"endTime":2161.24,"body":"the favorites. They used to be."},{"speaker":"Andy Hart","startTime":2161.3599999999997,"endTime":2164.72,"body":"Oh, okay, fine. Pretty much them"},{"speaker":"Andy Hart","startTime":2161.3599999999997,"endTime":2164.72,"body":"in Brazil were quite close."},{"speaker":"Andy Hart","startTime":2164.72,"endTime":2167.15,"body":"Obviously Messi is going to have"},{"speaker":"Andy Hart","startTime":2164.72,"endTime":2167.15,"body":"a great tournament. He scored"},{"speaker":"Andy Hart","startTime":2167.15,"endTime":2169.22,"body":"the first goal anyway to one to"},{"speaker":"Andy Hart","startTime":2167.15,"endTime":2169.22,"body":"Saudi Arabia. But the"},{"speaker":"Nick Lincoln","startTime":2169.22,"endTime":2170.66,"body":"Saudis are quite"},{"speaker":"Nick Lincoln","startTime":2169.22,"endTime":2170.66,"body":"rich, aren't they? So that"},{"speaker":"Nick Lincoln","startTime":2170.66,"endTime":2173.72,"body":"envelope would have been quite"},{"speaker":"Nick Lincoln","startTime":2170.66,"endTime":2173.72,"body":"big. Alright, let's move on."},{"speaker":"Nick Lincoln","startTime":2173.75,"endTime":2177.23,"body":"Okay. Move on quickly. Some of"},{"speaker":"Nick Lincoln","startTime":2173.75,"endTime":2177.23,"body":"them Next up, okay, so this is a"},{"speaker":"Nick Lincoln","startTime":2177.23,"endTime":2182.12,"body":"topical one. And again, we can't"},{"speaker":"Nick Lincoln","startTime":2177.23,"endTime":2182.12,"body":"not really talk about this is"},{"speaker":"Nick Lincoln","startTime":2182.21,"endTime":2186.68,"body":"it's, in some ways it's a sad"},{"speaker":"Nick Lincoln","startTime":2182.21,"endTime":2186.68,"body":"topic in other ways. You know,"},{"speaker":"Nick Lincoln","startTime":2186.95,"endTime":2192.7999999999997,"body":"we told you so. So and this is"},{"speaker":"Nick Lincoln","startTime":2186.95,"endTime":2192.7999999999997,"body":"the SAM Backman fried story with"},{"speaker":"Nick Lincoln","startTime":2192.8599999999997,"endTime":2195.56,"body":"FTA although suppose it fried I"},{"speaker":"Nick Lincoln","startTime":2192.8599999999997,"endTime":2195.56,"body":"mean think I can't even"},{"speaker":"Nick Lincoln","startTime":2195.65,"endTime":2198.5,"body":"pronounce his own name right?"},{"speaker":"Nick Lincoln","startTime":2195.65,"endTime":2198.5,"body":"That's a red flag. So this is"},{"speaker":"Nick Lincoln","startTime":2198.5,"endTime":2202.0699999999997,"body":"the latest crypto thing to go"},{"speaker":"Nick Lincoln","startTime":2198.5,"endTime":2202.0699999999997,"body":"belly up. It's it's the biggest"},{"speaker":"Nick Lincoln","startTime":2202.0699999999997,"endTime":2205.7599999999998,"body":"thing. I think in the crypto"},{"speaker":"Nick Lincoln","startTime":2202.0699999999997,"endTime":2205.7599999999998,"body":"world to go belly up. It's just"},{"speaker":"Nick Lincoln","startTime":2205.7599999999998,"endTime":2210.02,"body":"an absolute mess. The guy was a"},{"speaker":"Nick Lincoln","startTime":2205.7599999999998,"endTime":2210.02,"body":"sociopathic liar. And like all"},{"speaker":"Nick Lincoln","startTime":2210.02,"endTime":2213.65,"body":"of these people he projected and"},{"speaker":"Nick Lincoln","startTime":2210.02,"endTime":2213.65,"body":"the more I go through life, the"},{"speaker":"Nick Lincoln","startTime":2213.65,"endTime":2217.1,"body":"more people that extolled, how"},{"speaker":"Nick Lincoln","startTime":2213.65,"endTime":2217.1,"body":"virtuous they are, all the time,"},{"speaker":"Nick Lincoln","startTime":2217.46,"endTime":2221.06,"body":"are the ones you've got to stay"},{"speaker":"Nick Lincoln","startTime":2217.46,"endTime":2221.06,"body":"well clear. This guy was telling"},{"speaker":"Nick Lincoln","startTime":2221.06,"endTime":2222.92,"body":"the world he was a vegan, he"},{"speaker":"Nick Lincoln","startTime":2221.06,"endTime":2222.92,"body":"gives a monkey's what the guy"},{"speaker":"Nick Lincoln","startTime":2222.92,"endTime":2228.0499999999997,"body":"eats, you know, this altruistic"},{"speaker":"Nick Lincoln","startTime":2222.92,"endTime":2228.0499999999997,"body":"thing that he had. It's just"},{"speaker":"Nick Lincoln","startTime":2228.38,"endTime":2230.45,"body":"looking back because I don't get"},{"speaker":"Nick Lincoln","startTime":2228.38,"endTime":2230.45,"body":"involved in crypto, I've no,"},{"speaker":"Nick Lincoln","startTime":2230.45,"endTime":2234.08,"body":"I've got no interest in it. And"},{"speaker":"Nick Lincoln","startTime":2230.45,"endTime":2234.08,"body":"things like this kind of affirm"},{"speaker":"Nick Lincoln","startTime":2234.08,"endTime":2237.56,"body":"to date my judgment and having"},{"speaker":"Nick Lincoln","startTime":2234.08,"endTime":2237.56,"body":"very little interest in it. But"},{"speaker":"Nick Lincoln","startTime":2237.56,"endTime":2240.35,"body":"apparently, this guy was giving"},{"speaker":"Nick Lincoln","startTime":2237.56,"endTime":2240.35,"body":"so many red flags even gave an"},{"speaker":"Nick Lincoln","startTime":2240.35,"endTime":2242.96,"body":"interview recently, in which you"},{"speaker":"Nick Lincoln","startTime":2240.35,"endTime":2242.96,"body":"said yeah, we do all this work"},{"speaker":"Nick Lincoln","startTime":2242.96,"endTime":2245.5699999999997,"body":"stuff just to get the right"},{"speaker":"Nick Lincoln","startTime":2242.96,"endTime":2245.5699999999997,"body":"people happy. And he sat there"},{"speaker":"Nick Lincoln","startTime":2245.5699999999997,"endTime":2248.5699999999997,"body":"chuckling as he said that he and"},{"speaker":"Nick Lincoln","startTime":2245.5699999999997,"endTime":2248.5699999999997,"body":"of course it's gone horribly"},{"speaker":"Nick Lincoln","startTime":2248.5699999999997,"endTime":2252.1099999999997,"body":"wrong. Lots of people have lost"},{"speaker":"Nick Lincoln","startTime":2248.5699999999997,"endTime":2252.1099999999997,"body":"a lot of money. There was a"},{"speaker":"Nick Lincoln","startTime":2252.1099999999997,"endTime":2254.54,"body":"Larry David I mean, Alan and"},{"speaker":"Nick Lincoln","startTime":2252.1099999999997,"endTime":2254.54,"body":"myself a big Curb Your"},{"speaker":"Nick Lincoln","startTime":2254.54,"endTime":2257.8399999999997,"body":"Enthusiasm fans, there was a"},{"speaker":"Nick Lincoln","startTime":2254.54,"endTime":2257.8399999999997,"body":"Larry David advert for this that"},{"speaker":"Nick Lincoln","startTime":2257.8399999999997,"endTime":2260.72,"body":"came out in February, I think in"},{"speaker":"Nick Lincoln","startTime":2257.8399999999997,"endTime":2260.72,"body":"which Larry plays his own"},{"speaker":"Nick Lincoln","startTime":2261.3199999999997,"endTime":2263.48,"body":"caricatures themselves. So he"},{"speaker":"Nick Lincoln","startTime":2261.3199999999997,"endTime":2263.48,"body":"goes to all these events in"},{"speaker":"Nick Lincoln","startTime":2263.48,"endTime":2266.18,"body":"history where someone shows him"},{"speaker":"Nick Lincoln","startTime":2263.48,"endTime":2266.18,"body":"the wheel, and it goes, it's not"},{"speaker":"Nick Lincoln","startTime":2266.18,"endTime":2269.12,"body":"gonna work. And then this"},{"speaker":"Nick Lincoln","startTime":2266.18,"endTime":2269.12,"body":"caveman was showing me how fire"},{"speaker":"Nick Lincoln","startTime":2269.12,"endTime":2271.91,"body":"works with sponsors, that's not"},{"speaker":"Nick Lincoln","startTime":2269.12,"endTime":2271.91,"body":"going to take off and then we'll"},{"speaker":"Nick Lincoln","startTime":2271.91,"endTime":2274.25,"body":"never get to the moon. It's too"},{"speaker":"Nick Lincoln","startTime":2271.91,"endTime":2274.25,"body":"far. He's just basically Pooh"},{"speaker":"Nick Lincoln","startTime":2274.25,"endTime":2277.7599999999998,"body":"poohing every great idea. And"},{"speaker":"Nick Lincoln","startTime":2274.25,"endTime":2277.7599999999998,"body":"Larry with it with this FTX"},{"speaker":"Nick Lincoln","startTime":2277.7599999999998,"endTime":2280.8199999999997,"body":"thing, and he goes, Yeah,"},{"speaker":"Nick Lincoln","startTime":2277.7599999999998,"endTime":2280.8199999999997,"body":"they're not gonna work. And it"},{"speaker":"Nick Lincoln","startTime":2280.8199999999997,"endTime":2284.12,"body":"was a joke is it's gonna work"},{"speaker":"Nick Lincoln","startTime":2280.8199999999997,"endTime":2284.12,"body":"because it's a great idea. Turns"},{"speaker":"Nick Lincoln","startTime":2284.12,"endTime":2286.8199999999997,"body":"out loud, Larry was right. The"},{"speaker":"Nick Lincoln","startTime":2284.12,"endTime":2286.8199999999997,"body":"funny thing is, wasn't the not"},{"speaker":"Nick Lincoln","startTime":2286.8199999999997,"endTime":2290.75,"body":"funny thing that on YouTube,"},{"speaker":"Nick Lincoln","startTime":2286.8199999999997,"endTime":2290.75,"body":"that advert from February has"},{"speaker":"Nick Lincoln","startTime":2290.75,"endTime":2293.99,"body":"got over 11 million views. And"},{"speaker":"Nick Lincoln","startTime":2290.75,"endTime":2293.99,"body":"you got to think a good"},{"speaker":"Nick Lincoln","startTime":2293.99,"endTime":2297.62,"body":"proportion of there's 11 million"},{"speaker":"Nick Lincoln","startTime":2293.99,"endTime":2297.62,"body":"views or X number of million,"},{"speaker":"Nick Lincoln","startTime":2298.1,"endTime":2301.13,"body":"not investors, but speculators"},{"speaker":"Nick Lincoln","startTime":2298.1,"endTime":2301.13,"body":"in this fund who have lost all"},{"speaker":"Nick Lincoln","startTime":2301.13,"endTime":2304.3399999999997,"body":"of their money. It's an outright"},{"speaker":"Nick Lincoln","startTime":2301.13,"endTime":2304.3399999999997,"body":"for all this guy. Bank when"},{"speaker":"Nick Lincoln","startTime":2304.3399999999997,"endTime":2307.67,"body":"fried bank, when freed, he"},{"speaker":"Nick Lincoln","startTime":2304.3399999999997,"endTime":2307.67,"body":"donated the normal an enormous"},{"speaker":"Nick Lincoln","startTime":2307.67,"endTime":2310.4,"body":"amount of money to the"},{"speaker":"Nick Lincoln","startTime":2307.67,"endTime":2310.4,"body":"Democrats. And you know, there's"},{"speaker":"Nick Lincoln","startTime":2310.4,"endTime":2312.83,"body":"a question there about should"},{"speaker":"Nick Lincoln","startTime":2310.4,"endTime":2312.83,"body":"this money come out back, you"},{"speaker":"Nick Lincoln","startTime":2312.83,"endTime":2317.24,"body":"know, was it illegally, it has"},{"speaker":"Nick Lincoln","startTime":2312.83,"endTime":2317.24,"body":"ramifications, as ever linking"},{"speaker":"Nick Lincoln","startTime":2317.24,"endTime":2319.91,"body":"with my story to my client who"},{"speaker":"Nick Lincoln","startTime":2317.24,"endTime":2319.91,"body":"was it was a bit of a financial,"},{"speaker":"Nick Lincoln","startTime":2320.5099999999998,"endTime":2323.12,"body":"he's naive financially, who this"},{"speaker":"Nick Lincoln","startTime":2320.5099999999998,"endTime":2323.12,"body":"guy is going to Brisbane."},{"speaker":"Nick Lincoln","startTime":2323.99,"endTime":2327.5899999999997,"body":"Keeping those kind of people"},{"speaker":"Nick Lincoln","startTime":2323.99,"endTime":2327.5899999999997,"body":"away from this kind of crowd is"},{"speaker":"Nick Lincoln","startTime":2327.62,"endTime":2332.69,"body":"a lot of what we do. And yeah,"},{"speaker":"Nick Lincoln","startTime":2327.62,"endTime":2332.69,"body":"so I'm not happy. This has"},{"speaker":"Nick Lincoln","startTime":2332.69,"endTime":2334.52,"body":"happened. But part of me is"},{"speaker":"Nick Lincoln","startTime":2332.69,"endTime":2334.52,"body":"thinking, thank God, you know,"},{"speaker":"Nick Lincoln","startTime":2335.18,"endTime":2337.49,"body":"the none of my clients were"},{"speaker":"Nick Lincoln","startTime":2335.18,"endTime":2337.49,"body":"involved with this. And this"},{"speaker":"Nick Lincoln","startTime":2337.49,"endTime":2341.06,"body":"whole bubble around crypto and"},{"speaker":"Nick Lincoln","startTime":2337.49,"endTime":2341.06,"body":"non fungible tokens. They were"},{"speaker":"Nick Lincoln","startTime":2341.06,"endTime":2343.49,"body":"all the rage 12 months ago now."},{"speaker":"Nick Lincoln","startTime":2341.06,"endTime":2343.49,"body":"Give them away,"},{"speaker":"Andy Hart","startTime":2343.49,"endTime":2345.7999999999997,"body":"Gordon, nobody's even"},{"speaker":"Andy Hart","startTime":2343.49,"endTime":2345.7999999999997,"body":"talking to us about it. Now. I"},{"speaker":"Andy Hart","startTime":2345.7999999999997,"endTime":2347.69,"body":"mean, obviously, we're just"},{"speaker":"Andy Hart","startTime":2345.7999999999997,"endTime":2347.69,"body":"batted back and say, It's not"},{"speaker":"Andy Hart","startTime":2347.69,"endTime":2350.72,"body":"him, but even have to have those"},{"speaker":"Andy Hart","startTime":2347.69,"endTime":2350.72,"body":"conversations."},{"speaker":"Nick Lincoln","startTime":2350.75,"endTime":2352.7,"body":"And our peer group"},{"speaker":"Nick Lincoln","startTime":2350.75,"endTime":2352.7,"body":"handy where we have advisors,"},{"speaker":"Nick Lincoln","startTime":2352.7,"endTime":2354.5899999999997,"body":"Ron said, we who we strongly"},{"speaker":"Nick Lincoln","startTime":2352.7,"endTime":2354.5899999999997,"body":"believe they were talking about"},{"speaker":"Nick Lincoln","startTime":2354.5899999999997,"endTime":2356.5099999999998,"body":"this and seriously wasting time"},{"speaker":"Nick Lincoln","startTime":2354.5899999999997,"endTime":2356.5099999999998,"body":"talking about,"},{"speaker":"Andy Hart","startTime":2356.72,"endTime":2358.58,"body":"like, we should"},{"speaker":"Andy Hart","startTime":2356.72,"endTime":2358.58,"body":"seriously look at it, I think"},{"speaker":"Andy Hart","startTime":2358.58,"endTime":2361.67,"body":"you guys should take a serious"},{"speaker":"Andy Hart","startTime":2358.58,"endTime":2361.67,"body":"look at this. It's like, I'm"},{"speaker":"Andy Hart","startTime":2361.67,"endTime":2362.06,"body":"concerned"},{"speaker":"Alan Smith","startTime":2362.5099999999998,"endTime":2364.6099999999997,"body":"about this, the"},{"speaker":"Alan Smith","startTime":2362.5099999999998,"endTime":2364.6099999999997,"body":"benefit of hindsight, I'll put"},{"speaker":"Alan Smith","startTime":2364.6099999999997,"endTime":2367.91,"body":"my hand up and say I've, for"},{"speaker":"Alan Smith","startTime":2364.6099999999997,"endTime":2367.91,"body":"some years been at least"},{"speaker":"Alan Smith","startTime":2367.94,"endTime":2371.2999999999997,"body":"interested. And to dismiss this"},{"speaker":"Alan Smith","startTime":2367.94,"endTime":2371.2999999999997,"body":"whole thing. Just say this is a"},{"speaker":"Alan Smith","startTime":2371.2999999999997,"endTime":2375.74,"body":"complete crock. And there are so"},{"speaker":"Alan Smith","startTime":2371.2999999999997,"endTime":2375.74,"body":"many, and it's what's if there's"},{"speaker":"Alan Smith","startTime":2375.74,"endTime":2378.35,"body":"a lot of interesting read"},{"speaker":"Alan Smith","startTime":2375.74,"endTime":2378.35,"body":"revelations here, I you know, I"},{"speaker":"Alan Smith","startTime":2378.35,"endTime":2380.87,"body":"listened to a lot of podcasts"},{"speaker":"Alan Smith","startTime":2378.35,"endTime":2380.87,"body":"that I've always kind of Silicon"},{"speaker":"Alan Smith","startTime":2380.87,"endTime":2384.0499999999997,"body":"Valley and all in podcast, and"},{"speaker":"Alan Smith","startTime":2380.87,"endTime":2384.0499999999997,"body":"they were talking about all this"},{"speaker":"Alan Smith","startTime":2384.08,"endTime":2386.75,"body":"sort of stuff. If you read some"},{"speaker":"Alan Smith","startTime":2384.08,"endTime":2386.75,"body":"of the stories, or the stories"},{"speaker":"Alan Smith","startTime":2386.75,"endTime":2389.99,"body":"that are coming out now about"},{"speaker":"Alan Smith","startTime":2386.75,"endTime":2389.99,"body":"this particular, you know,"},{"speaker":"Alan Smith","startTime":2390.08,"endTime":2393.92,"body":"debacle, and you've got huge"},{"speaker":"Alan Smith","startTime":2390.08,"endTime":2393.92,"body":"venture capital companies in"},{"speaker":"Alan Smith","startTime":2393.92,"endTime":2396.47,"body":"Silicon Valley, let's Sequoia"},{"speaker":"Alan Smith","startTime":2393.92,"endTime":2396.47,"body":"Capital who were just full of"},{"speaker":"Alan Smith","startTime":2396.47,"endTime":2399.89,"body":"the smartest people on the"},{"speaker":"Alan Smith","startTime":2396.47,"endTime":2399.89,"body":"planet, they dropped $200"},{"speaker":"Alan Smith","startTime":2399.89,"endTime":2404.8399999999997,"body":"million into him as a seed sort"},{"speaker":"Alan Smith","startTime":2399.89,"endTime":2404.8399999999997,"body":"of investment. And you think"},{"speaker":"Alan Smith","startTime":2404.8399999999997,"endTime":2408.95,"body":"cry, what due diligence, this"},{"speaker":"Alan Smith","startTime":2404.8399999999997,"endTime":2408.95,"body":"whole thing is just very"},{"speaker":"Alan Smith","startTime":2408.95,"endTime":2412.22,"body":"symptomatic of our old friend,"},{"speaker":"Alan Smith","startTime":2408.95,"endTime":2412.22,"body":"Warren Buffett, who is famous"},{"speaker":"Alan Smith","startTime":2412.22,"endTime":2415.2799999999997,"body":"thing you know, everyone sees"},{"speaker":"Alan Smith","startTime":2412.22,"endTime":2415.2799999999997,"body":"who's who's swimming naked when"},{"speaker":"Alan Smith","startTime":2415.2799999999997,"endTime":2418.91,"body":"the tide goes out. Because it's"},{"speaker":"Alan Smith","startTime":2415.2799999999997,"endTime":2418.91,"body":"tough when you got even a decade"},{"speaker":"Alan Smith","startTime":2418.91,"endTime":2423.41,"body":"plus a decade plus of zero"},{"speaker":"Alan Smith","startTime":2418.91,"endTime":2423.41,"body":"interest rate, you were able to"},{"speaker":"Alan Smith","startTime":2423.44,"endTime":2426.1099999999997,"body":"raise capital at practically"},{"speaker":"Alan Smith","startTime":2423.44,"endTime":2426.1099999999997,"body":"zero interest rates and borrow"},{"speaker":"Alan Smith","startTime":2426.1099999999997,"endTime":2429.1099999999997,"body":"money and invest in things and"},{"speaker":"Alan Smith","startTime":2426.1099999999997,"endTime":2429.1099999999997,"body":"so they just billions of dollars"},{"speaker":"Alan Smith","startTime":2429.1099999999997,"endTime":2432.2,"body":"swishing around looking for a"},{"speaker":"Alan Smith","startTime":2429.1099999999997,"endTime":2432.2,"body":"home. And we have this sort of"},{"speaker":"Alan Smith","startTime":2432.2,"endTime":2435.35,"body":"zoom call where this nutcase"},{"speaker":"Alan Smith","startTime":2432.2,"endTime":2435.35,"body":"based on the Bahamas, is he"},{"speaker":"Alan Smith","startTime":2435.74,"endTime":2439.49,"body":"offshore, so I will just check a"},{"speaker":"Alan Smith","startTime":2435.74,"endTime":2439.49,"body":"couple of 100 million now you"},{"speaker":"Alan Smith","startTime":2439.49,"endTime":2445.22,"body":"and the list of really smart on"},{"speaker":"Alan Smith","startTime":2439.49,"endTime":2445.22,"body":"on Facebook FOMO threw money at"},{"speaker":"Alan Smith","startTime":2445.22,"endTime":2445.67,"body":"this"},{"speaker":"Nick Lincoln","startTime":2445.79,"endTime":2448.25,"body":"guy? Well, it's"},{"speaker":"Nick Lincoln","startTime":2445.79,"endTime":2448.25,"body":"again, it's like the Theranos"},{"speaker":"Nick Lincoln","startTime":2448.25,"endTime":2451.37,"body":"thing again, isn't it? This"},{"speaker":"Nick Lincoln","startTime":2448.25,"endTime":2451.37,"body":"girl, you know,"},{"speaker":"Andy Hart","startTime":2451.4,"endTime":2454.16,"body":"she she got sentenced"},{"speaker":"Andy Hart","startTime":2451.4,"endTime":2454.16,"body":"to 11 year three days ago. So"},{"speaker":"Andy Hart","startTime":2454.16,"endTime":2456.1099999999997,"body":"yes, absolutely. The trigger on"},{"speaker":"Carl Widger","startTime":2456.1099999999997,"endTime":2460.19,"body":"a car, like"},{"speaker":"Carl Widger","startTime":2456.1099999999997,"endTime":2460.19,"body":"Ireland, I take her point about,"},{"speaker":"Carl Widger","startTime":2460.43,"endTime":2463.22,"body":"you know, just to dismiss it"},{"speaker":"Carl Widger","startTime":2460.43,"endTime":2463.22,"body":"without trying to understand"},{"speaker":"Carl Widger","startTime":2463.22,"endTime":2466.85,"body":"that is you know, that's we got"},{"speaker":"Carl Widger","startTime":2463.22,"endTime":2466.85,"body":"to try and understand it at"},{"speaker":"Carl Widger","startTime":2466.85,"endTime":2470.15,"body":"least. And that was the thing"},{"speaker":"Carl Widger","startTime":2466.85,"endTime":2470.15,"body":"and I we had a meeting here in"},{"speaker":"Carl Widger","startTime":2470.15,"endTime":2473.69,"body":"Memphis and I asked everybody"},{"speaker":"Carl Widger","startTime":2470.15,"endTime":2473.69,"body":"around the room he said, Ken,"},{"speaker":"Carl Widger","startTime":2474.14,"endTime":2476.93,"body":"Ken, does everybody here"},{"speaker":"Carl Widger","startTime":2474.14,"endTime":2476.93,"body":"understand Chris? The currency."},{"speaker":"Carl Widger","startTime":2477.41,"endTime":2480.14,"body":"And they thought I was like,"},{"speaker":"Carl Widger","startTime":2477.41,"endTime":2480.14,"body":"everyone's like, Oh, Jesus, he's"},{"speaker":"Carl Widger","startTime":2480.14,"endTime":2483.68,"body":"gonna ask you to currency."},{"speaker":"Carl Widger","startTime":2480.14,"endTime":2483.68,"body":"Right? Yeah. Because my point"},{"speaker":"Carl Widger","startTime":2483.68,"endTime":2488.0899999999997,"body":"was, I don't understand it. And"},{"speaker":"Carl Widger","startTime":2483.68,"endTime":2488.0899999999997,"body":"I don't think I'm pretty"},{"speaker":"Carl Widger","startTime":2488.0899999999997,"endTime":2491.63,"body":"financially literate. And I just"},{"speaker":"Carl Widger","startTime":2488.0899999999997,"endTime":2491.63,"body":"could not get my head around it"},{"speaker":"Carl Widger","startTime":2491.63,"endTime":2495.08,"body":"right. And it was like, so if I"},{"speaker":"Carl Widger","startTime":2491.63,"endTime":2495.08,"body":"don't understand it, I'm never"},{"speaker":"Carl Widger","startTime":2495.08,"endTime":2499.3399999999997,"body":"ever going to try and talk to"},{"speaker":"Carl Widger","startTime":2495.08,"endTime":2499.3399999999997,"body":"anybody else about it. And when"},{"speaker":"Carl Widger","startTime":2499.3399999999997,"endTime":2501.98,"body":"you see all of the stories that"},{"speaker":"Carl Widger","startTime":2499.3399999999997,"endTime":2501.98,"body":"are coming through on it, it's"},{"speaker":"Carl Widger","startTime":2501.98,"endTime":2505.67,"body":"like, Oh, my God, this is this"},{"speaker":"Carl Widger","startTime":2501.98,"endTime":2505.67,"body":"is absolutely crazy stuff. One"},{"speaker":"Carl Widger","startTime":2505.67,"endTime":2509.3599999999997,"body":"of the things that that's"},{"speaker":"Carl Widger","startTime":2505.67,"endTime":2509.3599999999997,"body":"fascinating is that the guy gone"},{"speaker":"Carl Widger","startTime":2509.3599999999997,"endTime":2513.47,"body":"in as the head of FTX. Now to"},{"speaker":"Carl Widger","startTime":2509.3599999999997,"endTime":2513.47,"body":"try and save the company or to,"},{"speaker":"Carl Widger","startTime":2513.83,"endTime":2517.73,"body":"to give money back to the buddy"},{"speaker":"Carl Widger","startTime":2513.83,"endTime":2517.73,"body":"can try and find is John Ray,"},{"speaker":"Carl Widger","startTime":2517.73,"endTime":2522.17,"body":"the third, John Ray, the third"},{"speaker":"Carl Widger","startTime":2517.73,"endTime":2522.17,"body":"said that I'm reading this. He's"},{"speaker":"Carl Widger","startTime":2522.17,"endTime":2525.83,"body":"never seen such a complete"},{"speaker":"Carl Widger","startTime":2522.17,"endTime":2525.83,"body":"failure of corporate controls."},{"speaker":"Carl Widger","startTime":2526.19,"endTime":2529.37,"body":"The interesting thing about John"},{"speaker":"Carl Widger","startTime":2526.19,"endTime":2529.37,"body":"Ray and Ron Yeah, he's the he's"},{"speaker":"Carl Widger","startTime":2529.37,"endTime":2533.96,"body":"the guy who went into to solve"},{"speaker":"Carl Widger","startTime":2529.37,"endTime":2533.96,"body":"the Enron debacle. Right? So"},{"speaker":"Alan Smith","startTime":2535.22,"endTime":2536.2999999999997,"body":"the single biggest"},{"speaker":"Alan Smith","startTime":2535.22,"endTime":2536.2999999999997,"body":"corporate"},{"speaker":"Andy Hart","startTime":2536.2999999999997,"endTime":2539.54,"body":"fraud in anyone's"},{"speaker":"Andy Hart","startTime":2536.2999999999997,"endTime":2539.54,"body":"history, this thing"},{"speaker":"Carl Widger","startTime":2540.77,"endTime":2543.41,"body":"is like he's never"},{"speaker":"Carl Widger","startTime":2540.77,"endTime":2543.41,"body":"seen anything like it. It's like"},{"speaker":"Carl Widger","startTime":2543.41,"endTime":2544.1,"body":"at least Enron"},{"speaker":"Andy Hart","startTime":2544.1,"endTime":2545.93,"body":"sort of at a product"},{"speaker":"Andy Hart","startTime":2544.1,"endTime":2545.93,"body":"they sort of delivered the"},{"speaker":"Andy Hart","startTime":2545.93,"endTime":2548.69,"body":"service. Yeah, absolutely."},{"speaker":"Alan Smith","startTime":2548.72,"endTime":2552.5299999999997,"body":"Who's Who's that"},{"speaker":"Alan Smith","startTime":2548.72,"endTime":2552.5299999999997,"body":"English comedian on American TV,"},{"speaker":"Alan Smith","startTime":2552.5299999999997,"endTime":2555.5299999999997,"body":"John something rather. But yeah,"},{"speaker":"Alan Smith","startTime":2552.5299999999997,"endTime":2555.5299999999997,"body":"just how he described crypto and"},{"speaker":"Alan Smith","startTime":2555.5299999999997,"endTime":2557.87,"body":"everything as he said, Well, I"},{"speaker":"Alan Smith","startTime":2555.5299999999997,"endTime":2557.87,"body":"agree with everything you don't"},{"speaker":"Alan Smith","startTime":2557.87,"endTime":2560.8399999999997,"body":"understand money combined with"},{"speaker":"Alan Smith","startTime":2557.87,"endTime":2560.8399999999997,"body":"everything you don't understand"},{"speaker":"Alan Smith","startTime":2560.8399999999997,"endTime":2566.06,"body":"about computers. So good luck"},{"speaker":"Alan Smith","startTime":2560.8399999999997,"endTime":2566.06,"body":"with that. Good luck with"},{"speaker":"Alan Smith","startTime":2566.06,"endTime":2567.0499999999997,"body":"putting your life savings."},{"speaker":"Nick Lincoln","startTime":2568.52,"endTime":2570.56,"body":"Carl, you've got a"},{"speaker":"Nick Lincoln","startTime":2568.52,"endTime":2570.56,"body":"word connected with the stories."},{"speaker":"Nick Lincoln","startTime":2570.7999999999997,"endTime":2573.38,"body":"I'm not gonna say it you say it"},{"speaker":"Nick Lincoln","startTime":2570.7999999999997,"endTime":2573.38,"body":"and describe describe what it"},{"speaker":"Nick Lincoln","startTime":2573.38,"endTime":2575.0,"body":"means to the to the trapeze."},{"speaker":"Carl Widger","startTime":2575.0299999999997,"endTime":2577.5499999999997,"body":"I don't I don't,"},{"speaker":"Carl Widger","startTime":2575.0299999999997,"endTime":2577.5499999999997,"body":"I'm assuming this is how you"},{"speaker":"Carl Widger","startTime":2577.5499999999997,"endTime":2580.97,"body":"pronounce it. But I when I was"},{"speaker":"Carl Widger","startTime":2577.5499999999997,"endTime":2580.97,"body":"going into rabbit holes and"},{"speaker":"Carl Widger","startTime":2580.97,"endTime":2584.8399999999997,"body":"Twitter, chasing this FTX story,"},{"speaker":"Carl Widger","startTime":2580.97,"endTime":2584.8399999999997,"body":"and some of the fascinating"},{"speaker":"Carl Widger","startTime":2584.8399999999997,"endTime":2590.45,"body":"things that are coming out about"},{"speaker":"Carl Widger","startTime":2584.8399999999997,"endTime":2590.45,"body":"it. 10 people ran FTX and they"},{"speaker":"Carl Widger","startTime":2590.45,"endTime":2596.33,"body":"all lived in one villa in the"},{"speaker":"Carl Widger","startTime":2590.45,"endTime":2596.33,"body":"Bahamas. And it was described as"},{"speaker":"Carl Widger","startTime":2596.33,"endTime":2602.99,"body":"our poly QPOLYCUL II and"},{"speaker":"Carl Widger","startTime":2596.33,"endTime":2602.99,"body":"apparently shows"},{"speaker":"Andy Hart","startTime":2602.99,"endTime":2609.89,"body":"amazing I also so far"},{"speaker":"Andy Hart","startTime":2602.99,"endTime":2609.89,"body":"so good. So what's the catch?"},{"speaker":"Andy Hart","startTime":2611.21,"endTime":2612.2,"body":"Upon AQ?"},{"speaker":"Carl Widger","startTime":2613.0699999999997,"endTime":2619.31,"body":"Khan is a network"},{"speaker":"Carl Widger","startTime":2613.0699999999997,"endTime":2619.31,"body":"of consensually non monogamous"},{"speaker":"Carl Widger","startTime":2619.37,"endTime":2623.7799999999997,"body":"monogamous relationships that"},{"speaker":"Carl Widger","startTime":2619.37,"endTime":2623.7799999999997,"body":"are connected in some way. So"},{"speaker":"Carl Widger","startTime":2623.7799999999997,"endTime":2627.65,"body":"that connection was FTX. So I"},{"speaker":"Carl Widger","startTime":2623.7799999999997,"endTime":2627.65,"body":"leave the rest up to your"},{"speaker":"Carl Widger","startTime":2627.65,"endTime":2634.67,"body":"imaginations. I draw the note. I"},{"speaker":"Carl Widger","startTime":2627.65,"endTime":2634.67,"body":"think the Netflix documentary on"},{"speaker":"Carl Widger","startTime":2634.67,"endTime":2638.18,"body":"FTX is going to be just worth a"},{"speaker":"Carl Widger","startTime":2634.67,"endTime":2638.18,"body":"look."},{"speaker":"Andy Hart","startTime":2638.21,"endTime":2639.98,"body":"Just the final point"},{"speaker":"Andy Hart","startTime":2638.21,"endTime":2639.98,"body":"on this. I think the company was"},{"speaker":"Andy Hart","startTime":2639.98,"endTime":2645.29,"body":"set up in 2019. This is three"},{"speaker":"Andy Hart","startTime":2639.98,"endTime":2645.29,"body":"years like the scale, the size,"},{"speaker":"Andy Hart","startTime":2645.29,"endTime":2649.88,"body":"the numbers, the destruction in"},{"speaker":"Andy Hart","startTime":2645.29,"endTime":2649.88,"body":"such a short amount of years."},{"speaker":"Nick Lincoln","startTime":2650.42,"endTime":2653.99,"body":"I mean, it's mind"},{"speaker":"Nick Lincoln","startTime":2650.42,"endTime":2653.99,"body":"blowing, Alan shared shared, you"},{"speaker":"Nick Lincoln","startTime":2653.99,"endTime":2656.45,"body":"told us about nifty article that"},{"speaker":"Nick Lincoln","startTime":2653.99,"endTime":2656.45,"body":"you read behind a paywall Alan,"},{"speaker":"Nick Lincoln","startTime":2656.45,"endTime":2659.99,"body":"didn't you? Just the number of"},{"speaker":"Nick Lincoln","startTime":2656.45,"endTime":2659.99,"body":"hedge funds that have gone into"},{"speaker":"Nick Lincoln","startTime":2659.99,"endTime":2660.83,"body":"this bloody thing?"},{"speaker":"Andy Hart","startTime":2660.89,"endTime":2663.41,"body":"Again, it's a bit"},{"speaker":"Andy Hart","startTime":2660.89,"endTime":2663.41,"body":"it's a bit FOMO at that stage,"},{"speaker":"Andy Hart","startTime":2663.41,"endTime":2666.98,"body":"isn't it once like Sequoia is"},{"speaker":"Andy Hart","startTime":2663.41,"endTime":2666.98,"body":"behind the smoke. Oh, yeah,"},{"speaker":"Andy Hart","startTime":2667.0099999999998,"endTime":2668.3599999999997,"body":"we're just we're just you know"},{"speaker":"Alan Smith","startTime":2668.3599999999997,"endTime":2671.0299999999997,"body":"what this what this"},{"speaker":"Alan Smith","startTime":2668.3599999999997,"endTime":2671.0299999999997,"body":"what this stuff is? So some it's"},{"speaker":"Alan Smith","startTime":2671.0299999999997,"endTime":2673.58,"body":"one of these hedge funds will"},{"speaker":"Alan Smith","startTime":2671.0299999999997,"endTime":2673.58,"body":"say, well, Sequoia put 200"},{"speaker":"Alan Smith","startTime":2673.58,"endTime":2676.94,"body":"million. So they must have done"},{"speaker":"Alan Smith","startTime":2673.58,"endTime":2676.94,"body":"the research on they've done it."},{"speaker":"Alan Smith","startTime":2677.15,"endTime":2679.3399999999997,"body":"And everyone's assuming everyone"},{"speaker":"Alan Smith","startTime":2677.15,"endTime":2679.3399999999997,"body":"else has done the diligence on"},{"speaker":"Alan Smith","startTime":2679.3399999999997,"endTime":2681.83,"body":"it. And guess what no one has"},{"speaker":"Alan Smith","startTime":2679.3399999999997,"endTime":2681.83,"body":"done apps"},{"speaker":"Andy Hart","startTime":2682.13,"endTime":2684.23,"body":"is obviously some"},{"speaker":"Andy Hart","startTime":2682.13,"endTime":2684.23,"body":"graduate has read the paper."},{"speaker":"Andy Hart","startTime":2684.23,"endTime":2686.27,"body":"He's pulled the trigger, the"},{"speaker":"Andy Hart","startTime":2684.23,"endTime":2686.27,"body":"auditor"},{"speaker":"Carl Widger","startTime":2686.27,"endTime":2688.22,"body":"right. So the"},{"speaker":"Carl Widger","startTime":2686.27,"endTime":2688.22,"body":"financial information they"},{"speaker":"Carl Widger","startTime":2688.22,"endTime":2694.19,"body":"received was from a CFA some"},{"speaker":"Carl Widger","startTime":2688.22,"endTime":2694.19,"body":"auditor, who was based on the"},{"speaker":"Carl Widger","startTime":2694.19,"endTime":2695.0299999999997,"body":"metaverse."},{"speaker":"Alan Smith","startTime":2695.45,"endTime":2697.49,"body":"Yeah, that's right."},{"speaker":"Alan Smith","startTime":2695.45,"endTime":2697.49,"body":"So"},{"speaker":"Andy Hart","startTime":2700.85,"endTime":2704.0299999999997,"body":"he was based in the"},{"speaker":"Andy Hart","startTime":2700.85,"endTime":2704.0299999999997,"body":"metaverse called not on the"},{"speaker":"Andy Hart","startTime":2704.0299999999997,"endTime":2705.3199999999997,"body":"metaverse, right,"},{"speaker":"Carl Widger","startTime":2705.35,"endTime":2711.02,"body":"whatever. I don't I"},{"speaker":"Carl Widger","startTime":2705.35,"endTime":2711.02,"body":"don't understand that either. So"},{"speaker":"Carl Widger","startTime":2711.02,"endTime":2714.5299999999997,"body":"I'm not embarrassed about"},{"speaker":"Carl Widger","startTime":2711.02,"endTime":2714.5299999999997,"body":"getting that one wrong. But"},{"speaker":"Alan Smith","startTime":2714.65,"endTime":2718.0699999999997,"body":"like seriously, I"},{"speaker":"Alan Smith","startTime":2714.65,"endTime":2718.0699999999997,"body":"guess the head of the head of"},{"speaker":"Alan Smith","startTime":2718.0699999999997,"endTime":2721.22,"body":"compliance had been done for"},{"speaker":"Alan Smith","startTime":2718.0699999999997,"endTime":2721.22,"body":"fraud. He was part of some"},{"speaker":"Alan Smith","startTime":2721.22,"endTime":2725.21,"body":"gambling ring. And he been"},{"speaker":"Alan Smith","startTime":2721.22,"endTime":2725.21,"body":"convicted of fraud of couple of"},{"speaker":"Alan Smith","startTime":2725.21,"endTime":2725.81,"body":"years ago. That's"},{"speaker":"Nick Lincoln","startTime":2725.81,"endTime":2729.14,"body":"right. This this"},{"speaker":"Nick Lincoln","startTime":2725.81,"endTime":2729.14,"body":"this reminds me so much made off"},{"speaker":"Nick Lincoln","startTime":2729.17,"endTime":2731.5099999999998,"body":"and that you know, Bernie made"},{"speaker":"Nick Lincoln","startTime":2729.17,"endTime":2731.5099999999998,"body":"offs, brother in law on the"},{"speaker":"Nick Lincoln","startTime":2731.5099999999998,"endTime":2734.5099999999998,"body":"floor above him used to"},{"speaker":"Nick Lincoln","startTime":2731.5099999999998,"endTime":2734.5099999999998,"body":"reconcile the trade. And Bernie"},{"speaker":"Nick Lincoln","startTime":2734.5099999999998,"endTime":2738.5,"body":"Madoff's accountant was a guy in"},{"speaker":"Nick Lincoln","startTime":2734.5099999999998,"endTime":2738.5,"body":"some upstate New York shopping"},{"speaker":"Nick Lincoln","startTime":2738.5,"endTime":2743.12,"body":"mall above a Burger King. Yeah,"},{"speaker":"Nick Lincoln","startTime":2738.5,"endTime":2743.12,"body":"and you know, the interesting"},{"speaker":"Nick Lincoln","startTime":2743.12,"endTime":2743.2999999999997,"body":"thing"},{"speaker":"Andy Hart","startTime":2743.87,"endTime":2745.2799999999997,"body":"surely in temporarily"},{"speaker":"Carl Widger","startTime":2745.2799999999997,"endTime":2748.25,"body":"made us Bernie"},{"speaker":"Carl Widger","startTime":2745.2799999999997,"endTime":2748.25,"body":"Madoff's brother in law who was"},{"speaker":"Carl Widger","startTime":2748.25,"endTime":2751.97,"body":"the accountant was on an address"},{"speaker":"Carl Widger","startTime":2748.25,"endTime":2751.97,"body":"in that building on a floor that"},{"speaker":"Carl Widger","startTime":2751.97,"endTime":2752.9,"body":"didn't exist"},{"speaker":"Alan Smith","startTime":2754.88,"endTime":2758.2999999999997,"body":"made or made or made"},{"speaker":"Alan Smith","startTime":2754.88,"endTime":2758.2999999999997,"body":"offers doing obviously complete"},{"speaker":"Alan Smith","startTime":2758.2999999999997,"endTime":2760.97,"body":"fraud and everything else but he"},{"speaker":"Alan Smith","startTime":2758.2999999999997,"endTime":2760.97,"body":"was just he was he was invested"},{"speaker":"Alan Smith","startTime":2760.97,"endTime":2764.21,"body":"with he was reporting baseball"},{"speaker":"Alan Smith","startTime":2760.97,"endTime":2764.21,"body":"but he was just reporting it"},{"speaker":"Alan Smith","startTime":2764.21,"endTime":2766.79,"body":"wrong. His funds had gone down"},{"speaker":"Alan Smith","startTime":2764.21,"endTime":2766.79,"body":"and yes, it was a huge Ponzi"},{"speaker":"Alan Smith","startTime":2766.8199999999997,"endTime":2769.46,"body":"this one there's actually there"},{"speaker":"Alan Smith","startTime":2766.8199999999997,"endTime":2769.46,"body":"is no investment there just was"},{"speaker":"Alan Smith","startTime":2769.49,"endTime":2770.9,"body":"spent, and"},{"speaker":"Andy Hart","startTime":2771.68,"endTime":2774.71,"body":"I just don't know,"},{"speaker":"Andy Hart","startTime":2771.68,"endTime":2774.71,"body":"printing and then obviously"},{"speaker":"Andy Hart","startTime":2774.71,"endTime":2778.94,"body":"currency. I'm weird. then having"},{"speaker":"Andy Hart","startTime":2774.71,"endTime":2778.94,"body":"to produce a 46 page report when"},{"speaker":"Andy Hart","startTime":2778.94,"endTime":2783.38,"body":"a 27 year old sets up an ICER"},{"speaker":"Andy Hart","startTime":2778.94,"endTime":2783.38,"body":"yes like yeah, the guns are"},{"speaker":"Andy Hart","startTime":2783.38,"endTime":2787.13,"body":"faced in the wrong direction the"},{"speaker":"Andy Hart","startTime":2783.38,"endTime":2787.13,"body":"amount of UK investors that will"},{"speaker":"Andy Hart","startTime":2787.13,"endTime":2789.62,"body":"have lost millions from this but"},{"speaker":"Andy Hart","startTime":2787.13,"endTime":2789.62,"body":"correct."},{"speaker":"Carl Widger","startTime":2790.37,"endTime":2792.3199999999997,"body":"So I suppose one of"},{"speaker":"Carl Widger","startTime":2790.37,"endTime":2792.3199999999997,"body":"the bigger one of the bigger"},{"speaker":"Carl Widger","startTime":2792.3199999999997,"endTime":2796.4,"body":"questions now is that that is"},{"speaker":"Carl Widger","startTime":2792.3199999999997,"endTime":2796.4,"body":"like FTX has obviously gone"},{"speaker":"Carl Widger","startTime":2796.64,"endTime":2801.41,"body":"where what's the future for"},{"speaker":"Carl Widger","startTime":2796.64,"endTime":2801.41,"body":"cryptocurrency as a whole and"},{"speaker":"Carl Widger","startTime":2801.41,"endTime":2804.83,"body":"that story is to be played out"},{"speaker":"Carl Widger","startTime":2801.41,"endTime":2804.83,"body":"because I know a lot of them now"},{"speaker":"Carl Widger","startTime":2804.83,"endTime":2809.15,"body":"are looking for investment."},{"speaker":"Carl Widger","startTime":2804.83,"endTime":2809.15,"body":"Because obviously the values of"},{"speaker":"Carl Widger","startTime":2809.15,"endTime":2812.87,"body":"them all have fallen and who's"},{"speaker":"Carl Widger","startTime":2809.15,"endTime":2812.87,"body":"anybody out there brave enough"},{"speaker":"Carl Widger","startTime":2812.87,"endTime":2813.5299999999997,"body":"to invest?"},{"speaker":"Andy Hart","startTime":2813.56,"endTime":2815.87,"body":"Well, we've got we've"},{"speaker":"Andy Hart","startTime":2813.56,"endTime":2815.87,"body":"got we've got the two big ones"},{"speaker":"Andy Hart","startTime":2815.87,"endTime":2818.8399999999997,"body":"left Coinbase and binance. And"},{"speaker":"Alan Smith","startTime":2820.7,"endTime":2824.39,"body":"their exchanges"},{"speaker":"Alan Smith","startTime":2820.7,"endTime":2824.39,"body":"aren't me Yep, exactly. There's"},{"speaker":"Alan Smith","startTime":2824.39,"endTime":2826.3399999999997,"body":"a whole lot of other technology"},{"speaker":"Alan Smith","startTime":2824.39,"endTime":2826.3399999999997,"body":"behind but"},{"speaker":"Andy Hart","startTime":2826.37,"endTime":2827.93,"body":"but the fun they"},{"speaker":"Andy Hart","startTime":2826.37,"endTime":2827.93,"body":"mentioned they made money on"},{"speaker":"Andy Hart","startTime":2827.93,"endTime":2831.71,"body":"activity the activities just hit"},{"speaker":"Andy Hart","startTime":2827.93,"endTime":2831.71,"body":"yes, yes, obviously blockchain"},{"speaker":"Andy Hart","startTime":2831.71,"endTime":2834.44,"body":"technology which is another"},{"speaker":"Andy Hart","startTime":2831.71,"endTime":2834.44,"body":"thing so let's not maybe go"},{"speaker":"Andy Hart","startTime":2834.44,"endTime":2835.2799999999997,"body":"there we don't have to turn it"},{"speaker":"Andy Hart","startTime":2834.44,"endTime":2835.2799999999997,"body":"into"},{"speaker":"Nick Lincoln","startTime":2836.48,"endTime":2838.52,"body":"whichever way it"},{"speaker":"Nick Lincoln","startTime":2836.48,"endTime":2838.52,"body":"goes cars whichever way it goes,"},{"speaker":"Nick Lincoln","startTime":2838.52,"endTime":2840.56,"body":"we can look at it with a"},{"speaker":"Nick Lincoln","startTime":2838.52,"endTime":2840.56,"body":"detached eye because we haven't"},{"speaker":"Nick Lincoln","startTime":2840.56,"endTime":2843.14,"body":"got our money involved or our"},{"speaker":"Nick Lincoln","startTime":2840.56,"endTime":2843.14,"body":"clients money involved in it. So"},{"speaker":"Nick Lincoln","startTime":2843.14,"endTime":2845.3599999999997,"body":"we haven't got skin in the game"},{"speaker":"Nick Lincoln","startTime":2843.14,"endTime":2845.3599999999997,"body":"we can just okay just be"},{"speaker":"Nick Lincoln","startTime":2845.3599999999997,"endTime":2848.7799999999997,"body":"observant and learn lessons from"},{"speaker":"Nick Lincoln","startTime":2845.3599999999997,"endTime":2848.7799999999997,"body":"this. And history doesn't repeat"},{"speaker":"Nick Lincoln","startTime":2848.7799999999997,"endTime":2851.2999999999997,"body":"itself but it does rhyme and"},{"speaker":"Nick Lincoln","startTime":2848.7799999999997,"endTime":2851.2999999999997,"body":"this is so just closing on this"},{"speaker":"Nick Lincoln","startTime":2851.2999999999997,"endTime":2853.46,"body":"remember the long term capital"},{"speaker":"Nick Lincoln","startTime":2851.2999999999997,"endTime":2853.46,"body":"management hedge fund that"},{"speaker":"Nick Lincoln","startTime":2853.46,"endTime":2859.13,"body":"imploded in 1998 all these"},{"speaker":"Nick Lincoln","startTime":2853.46,"endTime":2859.13,"body":"bright boffins you know PhD to"},{"speaker":"Nick Lincoln","startTime":2859.13,"endTime":2862.1,"body":"the roof and back to the ceiling"},{"speaker":"Nick Lincoln","startTime":2859.13,"endTime":2862.1,"body":"and back and they got it wrong"},{"speaker":"Nick Lincoln","startTime":2862.1,"endTime":2865.16,"body":"and listen, it's just everything"},{"speaker":"Nick Lincoln","startTime":2862.1,"endTime":2865.16,"body":"comes down for that the only"},{"speaker":"Nick Lincoln","startTime":2865.16,"endTime":2867.62,"body":"history you don't know is this"},{"speaker":"Nick Lincoln","startTime":2865.16,"endTime":2867.62,"body":"the history don't know its"},{"speaker":"Nick Lincoln","startTime":2867.62,"endTime":2869.87,"body":"history don't know I'm"},{"speaker":"Nick Lincoln","startTime":2867.62,"endTime":2869.87,"body":"paraphrasing badly Harry Truman"},{"speaker":"Nick Lincoln","startTime":2869.87,"endTime":2871.6099999999997,"body":"there but there's nothing new in"},{"speaker":"Nick Lincoln","startTime":2869.87,"endTime":2871.6099999999997,"body":"the world sorry, apart from"},{"speaker":"Nick Lincoln","startTime":2871.6099999999997,"endTime":2874.19,"body":"history you don't yet know. And"},{"speaker":"Nick Lincoln","startTime":2871.6099999999997,"endTime":2874.19,"body":"I think"},{"speaker":"Carl Widger","startTime":2874.5499999999997,"endTime":2878.66,"body":"and and clearly, we"},{"speaker":"Carl Widger","startTime":2874.5499999999997,"endTime":2878.66,"body":"all now know how to peliculas"},{"speaker":"Nick Lincoln","startTime":2878.87,"endTime":2882.74,"body":"we do now from our"},{"speaker":"Nick Lincoln","startTime":2878.87,"endTime":2882.74,"body":"little quadro kewl here, the"},{"speaker":"Nick Lincoln","startTime":2882.74,"endTime":2885.08,"body":"four of us tied together by"},{"speaker":"Nick Lincoln","startTime":2882.74,"endTime":2885.08,"body":"trap, but enjoying monogamous"},{"speaker":"Nick Lincoln","startTime":2885.08,"endTime":2887.99,"body":"relationships with one another."},{"speaker":"Nick Lincoln","startTime":2885.08,"endTime":2887.99,"body":"I think it's time that we're"},{"speaker":"Nick Lincoln","startTime":2887.99,"endTime":2892.3399999999997,"body":"4047 minutes in so I think we"},{"speaker":"Nick Lincoln","startTime":2887.99,"endTime":2892.3399999999997,"body":"should if we can, Andy will put"},{"speaker":"Nick Lincoln","startTime":2892.3399999999997,"endTime":2894.89,"body":"your will put your subject over"},{"speaker":"Nick Lincoln","startTime":2892.3399999999997,"endTime":2894.89,"body":"to the next episode. That's"},{"speaker":"Nick Lincoln","startTime":2894.89,"endTime":2896.7799999999997,"body":"gonna be a meaty one. And we'll"},{"speaker":"Nick Lincoln","startTime":2894.89,"endTime":2896.7799999999997,"body":"talk more about that in the next"},{"speaker":"Nick Lincoln","startTime":2896.7799999999997,"endTime":2900.74,"body":"episode. Let's go on to our"},{"speaker":"Nick Lincoln","startTime":2896.7799999999997,"endTime":2900.74,"body":"TRAPPIST questions. And the"},{"speaker":"Nick Lincoln","startTime":2900.74,"endTime":2907.67,"body":"first one is from I'm queuing a"},{"speaker":"Nick Lincoln","startTime":2900.74,"endTime":2907.67,"body":"drumroll there but it's not"},{"speaker":"Nick Lincoln","startTime":2907.67,"endTime":2909.95,"body":"coming through. So let's go"},{"speaker":"Nick Lincoln","startTime":2907.67,"endTime":2909.95,"body":"straight into Aaron gunning him"},{"speaker":"Nick Lincoln","startTime":2909.95,"endTime":2911.33,"body":"who's on Twitter as at"},{"speaker":"Nick Lincoln","startTime":2916.58,"endTime":2921.29,"body":"at Aaron gunning, a bunch of"},{"speaker":"Nick Lincoln","startTime":2916.58,"endTime":2921.29,"body":"gibbons in a recent hours and a"},{"speaker":"Nick Lincoln","startTime":2921.29,"endTime":2923.27,"body":"recent episode, you all seem to"},{"speaker":"Nick Lincoln","startTime":2921.29,"endTime":2923.27,"body":"agree you don't like the"},{"speaker":"Nick Lincoln","startTime":2923.27,"endTime":2926.0299999999997,"body":"traditional risk profiling"},{"speaker":"Nick Lincoln","startTime":2923.27,"endTime":2926.0299999999997,"body":"methods and the asset allocation"},{"speaker":"Nick Lincoln","startTime":2926.0299999999997,"endTime":2930.17,"body":"model portfolio theory system"},{"speaker":"Nick Lincoln","startTime":2926.0299999999997,"endTime":2930.17,"body":"for creating portfolios and goes"},{"speaker":"Nick Lincoln","startTime":2930.17,"endTime":2932.6,"body":"on I'm interested in this and I"},{"speaker":"Nick Lincoln","startTime":2930.17,"endTime":2932.6,"body":"wonder if you can take this"},{"speaker":"Nick Lincoln","startTime":2932.6,"endTime":2934.91,"body":"topic one step further and"},{"speaker":"Nick Lincoln","startTime":2932.6,"endTime":2934.91,"body":"explain what you do in order to"},{"speaker":"Nick Lincoln","startTime":2934.91,"endTime":2936.98,"body":"match a client with an"},{"speaker":"Nick Lincoln","startTime":2934.91,"endTime":2936.98,"body":"investment and what those"},{"speaker":"Nick Lincoln","startTime":2936.98,"endTime":2940.19,"body":"portfolios might look like under"},{"speaker":"Nick Lincoln","startTime":2936.98,"endTime":2940.19,"body":"the hood, full stop. Excellent"},{"speaker":"Nick Lincoln","startTime":2940.19,"endTime":2942.17,"body":"use of a period there. Thank"},{"speaker":"Nick Lincoln","startTime":2940.19,"endTime":2942.17,"body":"you, Aaron. I can now breathe in"},{"speaker":"Nick Lincoln","startTime":2942.17,"endTime":2946.46,"body":"again. Thank you. Fantastic"},{"speaker":"Nick Lincoln","startTime":2942.17,"endTime":2946.46,"body":"podcast. Thank you. Hello. So"},{"speaker":"Nick Lincoln","startTime":2946.49,"endTime":2948.38,"body":"I'll have a quick stab at this"},{"speaker":"Nick Lincoln","startTime":2946.49,"endTime":2948.38,"body":"and then we'll pass it around."},{"speaker":"Nick Lincoln","startTime":2948.68,"endTime":2950.87,"body":"One thing that led out to me"},{"speaker":"Nick Lincoln","startTime":2948.68,"endTime":2950.87,"body":"from your question was what you"},{"speaker":"Nick Lincoln","startTime":2950.87,"endTime":2953.15,"body":"do in order to match a client"},{"speaker":"Nick Lincoln","startTime":2950.87,"endTime":2953.15,"body":"with an investment can't be done"},{"speaker":"Nick Lincoln","startTime":2953.39,"endTime":2955.97,"body":"cannot be done, you cannot match"},{"speaker":"Nick Lincoln","startTime":2953.39,"endTime":2955.97,"body":"a client with an investment they"},{"speaker":"Nick Lincoln","startTime":2955.97,"endTime":2960.17,"body":"are two different things cannot"},{"speaker":"Nick Lincoln","startTime":2955.97,"endTime":2960.17,"body":"be done. There is no science to"},{"speaker":"Nick Lincoln","startTime":2960.17,"endTime":2962.27,"body":"it, you cannot crack it, what"},{"speaker":"Nick Lincoln","startTime":2960.17,"endTime":2962.27,"body":"you manage what you match a"},{"speaker":"Nick Lincoln","startTime":2962.27,"endTime":2964.6099999999997,"body":"client with is their financial"},{"speaker":"Nick Lincoln","startTime":2962.27,"endTime":2964.6099999999997,"body":"plan, right? And even that's"},{"speaker":"Nick Lincoln","startTime":2964.6099999999997,"endTime":2966.92,"body":"going to be a bit hit and miss."},{"speaker":"Nick Lincoln","startTime":2964.6099999999997,"endTime":2966.92,"body":"But it's art more than site"},{"speaker":"Nick Lincoln","startTime":2966.92,"endTime":2969.14,"body":"geometric client with their"},{"speaker":"Nick Lincoln","startTime":2966.92,"endTime":2969.14,"body":"financial plan a corporation"},{"speaker":"Nick Lincoln","startTime":2969.14,"endTime":2971.75,"body":"that goes and then the financial"},{"speaker":"Nick Lincoln","startTime":2969.14,"endTime":2971.75,"body":"plan will determine the"},{"speaker":"Nick Lincoln","startTime":2971.75,"endTime":2975.62,"body":"investment. That's the end of my"},{"speaker":"Nick Lincoln","startTime":2971.75,"endTime":2975.62,"body":"story. That's it. No no"},{"speaker":"Nick Lincoln","startTime":2975.62,"endTime":2978.71,"body":"financial plan, no portfolio,"},{"speaker":"Nick Lincoln","startTime":2975.62,"endTime":2978.71,"body":"the financial plan determines"},{"speaker":"Nick Lincoln","startTime":2979.22,"endTime":2983.39,"body":"the investment not the client."},{"speaker":"Nick Lincoln","startTime":2979.22,"endTime":2983.39,"body":"And not some shitty mumbo jumbo"},{"speaker":"Nick Lincoln","startTime":2983.39,"endTime":2985.19,"body":"question there. Gents. Anything"},{"speaker":"Nick Lincoln","startTime":2983.39,"endTime":2985.19,"body":"to add to that?"},{"speaker":"Andy Hart","startTime":2986.9,"endTime":2988.91,"body":"The year we've spoken"},{"speaker":"Andy Hart","startTime":2986.9,"endTime":2988.91,"body":"about, it's quite a bit, I have"},{"speaker":"Andy Hart","startTime":2988.91,"endTime":2991.97,"body":"my own investor profile. I then"},{"speaker":"Andy Hart","startTime":2988.91,"endTime":2991.97,"body":"have many meetings with the"},{"speaker":"Andy Hart","startTime":2991.97,"endTime":2993.95,"body":"client, I then build the"},{"speaker":"Andy Hart","startTime":2991.97,"endTime":2993.95,"body":"financial plan and then I end up"},{"speaker":"Andy Hart","startTime":2993.98,"endTime":2995.63,"body":"with a portfolio, the best"},{"speaker":"Andy Hart","startTime":2993.98,"endTime":2995.63,"body":"portfolio is one we're going to"},{"speaker":"Andy Hart","startTime":2995.63,"endTime":2997.7,"body":"stick with the one that's got"},{"speaker":"Andy Hart","startTime":2995.63,"endTime":2997.7,"body":"the most amount of global"},{"speaker":"Andy Hart","startTime":2997.7,"endTime":3000.94,"body":"equities in it. If I lift up the"},{"speaker":"Andy Hart","startTime":2997.7,"endTime":3000.94,"body":"bonnet, which is what I think"},{"speaker":"Andy Hart","startTime":3000.94,"endTime":3005.95,"body":"Aaron said, my 100% Maven invest"},{"speaker":"Andy Hart","startTime":3000.94,"endTime":3005.95,"body":"100 portfolio, which is 100%"},{"speaker":"Andy Hart","startTime":3005.95,"endTime":3009.94,"body":"global equities is split between"},{"speaker":"Andy Hart","startTime":3005.95,"endTime":3009.94,"body":"50% You know, just a world"},{"speaker":"Andy Hart","startTime":3009.94,"endTime":3015.52,"body":"Allocation Fund, then about 15%"},{"speaker":"Andy Hart","startTime":3009.94,"endTime":3015.52,"body":"in an emerging market fund. And"},{"speaker":"Andy Hart","startTime":3015.52,"endTime":3021.4,"body":"then about 35% in a targeted"},{"speaker":"Andy Hart","startTime":3015.52,"endTime":3021.4,"body":"Value Fund. So my tilts are"},{"speaker":"Andy Hart","startTime":3021.8199999999997,"endTime":3024.6099999999997,"body":"global mainstream equities"},{"speaker":"Andy Hart","startTime":3021.8199999999997,"endTime":3024.6099999999997,"body":"versus emerging markets, and"},{"speaker":"Andy Hart","startTime":3024.6099999999997,"endTime":3027.97,"body":"then small and value companies"},{"speaker":"Andy Hart","startTime":3024.6099999999997,"endTime":3027.97,"body":"against large and growth"},{"speaker":"Andy Hart","startTime":3027.97,"endTime":3033.79,"body":"companies. And I think that's"},{"speaker":"Andy Hart","startTime":3027.97,"endTime":3033.79,"body":"going to be the returns that are"},{"speaker":"Andy Hart","startTime":3033.79,"endTime":3036.67,"body":"more than sufficient. And that's"},{"speaker":"Andy Hart","startTime":3033.79,"endTime":3036.67,"body":"that's it under the bonnet."},{"speaker":"Andy Hart","startTime":3036.67,"endTime":3039.37,"body":"Really. Carl,"},{"speaker":"Alan Smith","startTime":3039.4,"endTime":3042.5499999999997,"body":"not yet not really"},{"speaker":"Alan Smith","startTime":3039.4,"endTime":3042.5499999999997,"body":"much more to add. What we know"},{"speaker":"Alan Smith","startTime":3042.5499999999997,"endTime":3045.91,"body":"is this is a consultative"},{"speaker":"Alan Smith","startTime":3042.5499999999997,"endTime":3045.91,"body":"process. That's why we do the"},{"speaker":"Alan Smith","startTime":3045.91,"endTime":3048.85,"body":"job that we do. And I think I"},{"speaker":"Alan Smith","startTime":3045.91,"endTime":3048.85,"body":"remember we did speak about this"},{"speaker":"Alan Smith","startTime":3048.85,"endTime":3051.94,"body":"before and Aaron wants to go a"},{"speaker":"Alan Smith","startTime":3048.85,"endTime":3051.94,"body":"little bit deeper because and"},{"speaker":"Alan Smith","startTime":3051.94,"endTime":3054.0699999999997,"body":"you said at the time he was"},{"speaker":"Alan Smith","startTime":3051.94,"endTime":3054.0699999999997,"body":"chatting about this before Well,"},{"speaker":"Alan Smith","startTime":3054.1,"endTime":3056.8599999999997,"body":"if I'm just giving them what the"},{"speaker":"Alan Smith","startTime":3054.1,"endTime":3056.8599999999997,"body":"what the computer says Then what"},{"speaker":"Alan Smith","startTime":3056.8599999999997,"endTime":3059.5899999999997,"body":"am I doing here? I'm not adding"},{"speaker":"Alan Smith","startTime":3056.8599999999997,"endTime":3059.5899999999997,"body":"any value whatsoever. So"},{"speaker":"Andy Hart","startTime":3059.5899999999997,"endTime":3061.18,"body":"if it's a"},{"speaker":"Andy Hart","startTime":3059.5899999999997,"endTime":3061.18,"body":"misconception mirror, here's"},{"speaker":"Andy Hart","startTime":3061.18,"endTime":3063.4,"body":"here's a questionnaire you fill"},{"speaker":"Andy Hart","startTime":3061.18,"endTime":3063.4,"body":"in and that's the portfolio"},{"speaker":"Andy Hart","startTime":3063.4,"endTime":3067.39,"body":"you'd end up with working with"},{"speaker":"Andy Hart","startTime":3063.4,"endTime":3067.39,"body":"me. So obviously I've got some"},{"speaker":"Andy Hart","startTime":3067.39,"endTime":3069.67,"body":"value in this. You know, I"},{"speaker":"Andy Hart","startTime":3067.39,"endTime":3069.67,"body":"believe I'm the financial plan."},{"speaker":"Andy Hart","startTime":3069.67,"endTime":3072.0699999999997,"body":"I'm the investor investor"},{"speaker":"Andy Hart","startTime":3069.67,"endTime":3072.0699999999997,"body":"profile. Obviously we have to"},{"speaker":"Andy Hart","startTime":3072.0699999999997,"endTime":3073.18,"body":"work for climate. So"},{"speaker":"Alan Smith","startTime":3073.33,"endTime":3076.66,"body":"the opportunity"},{"speaker":"Alan Smith","startTime":3073.33,"endTime":3076.66,"body":"therefore is and it is It is an"},{"speaker":"Alan Smith","startTime":3076.66,"endTime":3079.06,"body":"art because you can't just say,"},{"speaker":"Alan Smith","startTime":3076.66,"endTime":3079.06,"body":"oh, you should just go 100%"},{"speaker":"Alan Smith","startTime":3079.06,"endTime":3083.1099999999997,"body":"equities. That is the logical"},{"speaker":"Alan Smith","startTime":3079.06,"endTime":3083.1099999999997,"body":"thing you should. But humans are"},{"speaker":"Alan Smith","startTime":3083.1099999999997,"endTime":3085.12,"body":"not logical. There's so many"},{"speaker":"Alan Smith","startTime":3083.1099999999997,"endTime":3085.12,"body":"other issues and challenges"},{"speaker":"Alan Smith","startTime":3085.6,"endTime":3089.1099999999997,"body":"attached to that. But what you"},{"speaker":"Alan Smith","startTime":3085.6,"endTime":3089.1099999999997,"body":"are able to do is demonstrate"},{"speaker":"Alan Smith","startTime":3089.1099999999997,"endTime":3092.68,"body":"the long term impact of the"},{"speaker":"Alan Smith","startTime":3089.1099999999997,"endTime":3092.68,"body":"decisions that you take right"},{"speaker":"Alan Smith","startTime":3092.68,"endTime":3097.7799999999997,"body":"now. And if you do pack up your,"},{"speaker":"Alan Smith","startTime":3092.68,"endTime":3097.7799999999997,"body":"or fill your portfolio with"},{"speaker":"Alan Smith","startTime":3098.47,"endTime":3101.38,"body":"asset classes that are likely to"},{"speaker":"Alan Smith","startTime":3098.47,"endTime":3101.38,"body":"underperform over the long term"},{"speaker":"Alan Smith","startTime":3101.38,"endTime":3104.29,"body":"versus other asset classes, but"},{"speaker":"Alan Smith","startTime":3101.38,"endTime":3104.29,"body":"they are very common as safer or"},{"speaker":"Alan Smith","startTime":3104.29,"endTime":3107.77,"body":"certainly, usually less"},{"speaker":"Alan Smith","startTime":3104.29,"endTime":3107.77,"body":"volatile, that it has"},{"speaker":"Alan Smith","startTime":3107.77,"endTime":3111.25,"body":"consequences. And so all these"},{"speaker":"Alan Smith","startTime":3107.77,"endTime":3111.25,"body":"nice things about you can, you"},{"speaker":"Alan Smith","startTime":3111.25,"endTime":3113.65,"body":"know, travel the world and do"},{"speaker":"Alan Smith","startTime":3111.25,"endTime":3113.65,"body":"and move to France on this, we"},{"speaker":"Alan Smith","startTime":3113.65,"endTime":3117.79,"body":"might not be able to that this"},{"speaker":"Alan Smith","startTime":3113.65,"endTime":3117.79,"body":"is this issue, you demonstrate"},{"speaker":"Alan Smith","startTime":3117.79,"endTime":3120.13,"body":"that you run some numbers, you"},{"speaker":"Alan Smith","startTime":3117.79,"endTime":3120.13,"body":"run some projections, and you"},{"speaker":"Alan Smith","startTime":3120.13,"endTime":3123.1,"body":"say, let's have a discussion,"},{"speaker":"Alan Smith","startTime":3120.13,"endTime":3123.1,"body":"because the bottom line here,"},{"speaker":"Alan Smith","startTime":3123.13,"endTime":3126.8199999999997,"body":"and I must say you nailed it,"},{"speaker":"Alan Smith","startTime":3123.13,"endTime":3126.8199999999997,"body":"Andrew, is the portfolio that"},{"speaker":"Alan Smith","startTime":3126.8199999999997,"endTime":3129.22,"body":"you end up with is the one that"},{"speaker":"Alan Smith","startTime":3126.8199999999997,"endTime":3129.22,"body":"you'll stick to through thick"},{"speaker":"Alan Smith","startTime":3129.22,"endTime":3129.64,"body":"and thin,"},{"speaker":"Andy Hart","startTime":3129.88,"endTime":3133.12,"body":"the best one you end"},{"speaker":"Andy Hart","startTime":3129.88,"endTime":3133.12,"body":"up sticking with. Yeah, a couple"},{"speaker":"Andy Hart","startTime":3133.12,"endTime":3139.0899999999997,"body":"of points here. So Kevin Duran,"},{"speaker":"Andy Hart","startTime":3133.12,"endTime":3139.0899999999997,"body":"the AJ Bell MD said at home that"},{"speaker":"Andy Hart","startTime":3139.0899999999997,"endTime":3143.83,"body":"the average DIY client performs"},{"speaker":"Andy Hart","startTime":3139.0899999999997,"endTime":3143.83,"body":"sorry, the average DIY client"},{"speaker":"Andy Hart","startTime":3143.8599999999997,"endTime":3147.43,"body":"outperforms the average advisor"},{"speaker":"Andy Hart","startTime":3143.8599999999997,"endTime":3147.43,"body":"to client. The reason that's"},{"speaker":"Andy Hart","startTime":3147.43,"endTime":3150.7,"body":"really interesting is the reason"},{"speaker":"Andy Hart","startTime":3147.43,"endTime":3150.7,"body":"for that is the DIY investor"},{"speaker":"Andy Hart","startTime":3150.73,"endTime":3153.49,"body":"just randomly ends up with some"},{"speaker":"Andy Hart","startTime":3150.73,"endTime":3153.49,"body":"global equity funds, and the"},{"speaker":"Andy Hart","startTime":3153.49,"endTime":3157.27,"body":"advise client ends up with a"},{"speaker":"Andy Hart","startTime":3153.49,"endTime":3157.27,"body":"strategically perfectly"},{"speaker":"Andy Hart","startTime":3157.27,"endTime":3163.2999999999997,"body":"allocated, mixed portfolio multi"},{"speaker":"Andy Hart","startTime":3157.27,"endTime":3163.2999999999997,"body":"asset 6040, let's say so that's"},{"speaker":"Andy Hart","startTime":3163.2999999999997,"endTime":3166.93,"body":"very interesting. It's very"},{"speaker":"Andy Hart","startTime":3163.2999999999997,"endTime":3166.93,"body":"weird that we have a business or"},{"speaker":"Andy Hart","startTime":3166.93,"endTime":3170.3199999999997,"body":"profession and industry that the"},{"speaker":"Andy Hart","startTime":3166.93,"endTime":3170.3199999999997,"body":"professionals underperform the"},{"speaker":"Andy Hart","startTime":3170.3199999999997,"endTime":3174.43,"body":"amateurs doesn't happen in table"},{"speaker":"Andy Hart","startTime":3170.3199999999997,"endTime":3174.43,"body":"tennis doesn't happen in you"},{"speaker":"Andy Hart","startTime":3174.43,"endTime":3177.7,"body":"know, cooking, they don't happen"},{"speaker":"Andy Hart","startTime":3174.43,"endTime":3177.7,"body":"in any other realm, like the"},{"speaker":"Andy Hart","startTime":3177.7,"endTime":3180.85,"body":"pros beat the amateurs. Right?"},{"speaker":"Andy Hart","startTime":3177.7,"endTime":3180.85,"body":"So that presumably is a"},{"speaker":"Andy Hart","startTime":3180.85,"endTime":3185.41,"body":"compliance function, because ag"},{"speaker":"Andy Hart","startTime":3180.85,"endTime":3185.41,"body":"the direct to consumer model,"},{"speaker":"Andy Hart","startTime":3185.44,"endTime":3187.42,"body":"yeah, so people, young people"},{"speaker":"Andy Hart","startTime":3185.44,"endTime":3187.42,"body":"are not going through a kind of"},{"speaker":"Andy Hart","startTime":3187.42,"endTime":3190.7799999999997,"body":"risk profile. And I think as"},{"speaker":"Andy Hart","startTime":3187.42,"endTime":3190.7799999999997,"body":"professionals, we need to say we"},{"speaker":"Andy Hart","startTime":3190.7799999999997,"endTime":3193.63,"body":"do want to get returns for our"},{"speaker":"Andy Hart","startTime":3190.7799999999997,"endTime":3193.63,"body":"clients. You know, wealth is"},{"speaker":"Andy Hart","startTime":3193.63,"endTime":3196.7799999999997,"body":"freedom, freedom is opportunity."},{"speaker":"Andy Hart","startTime":3193.63,"endTime":3196.7799999999997,"body":"There's probably lots of clients"},{"speaker":"Andy Hart","startTime":3196.7799999999997,"endTime":3199.15,"body":"out there that are in their 70s"},{"speaker":"Andy Hart","startTime":3196.7799999999997,"endTime":3199.15,"body":"that are somewhat struggling at"},{"speaker":"Andy Hart","startTime":3199.15,"endTime":3202.21,"body":"the moment because they were put"},{"speaker":"Andy Hart","startTime":3199.15,"endTime":3202.21,"body":"in a crappy portfolio 20 years"},{"speaker":"Andy Hart","startTime":3202.21,"endTime":3205.42,"body":"ago, was a client that's put"},{"speaker":"Andy Hart","startTime":3202.21,"endTime":3205.42,"body":"into a great portfolio 20 years"},{"speaker":"Andy Hart","startTime":3205.42,"endTime":3208.2999999999997,"body":"ago now has more wealth now has"},{"speaker":"Andy Hart","startTime":3205.42,"endTime":3208.2999999999997,"body":"more freedom now has more"},{"speaker":"Andy Hart","startTime":3208.2999999999997,"endTime":3212.0499999999997,"body":"opportunity. And I think it's a"},{"speaker":"Andy Hart","startTime":3208.2999999999997,"endTime":3212.0499999999997,"body":"disservice that we don't create"},{"speaker":"Andy Hart","startTime":3212.0499999999997,"endTime":3214.45,"body":"wealth. We are in the wealth"},{"speaker":"Andy Hart","startTime":3212.0499999999997,"endTime":3214.45,"body":"creation business, obviously, we"},{"speaker":"Andy Hart","startTime":3214.45,"endTime":3217.18,"body":"want it the client Sleep Well"},{"speaker":"Andy Hart","startTime":3214.45,"endTime":3217.18,"body":"sleep well at night, the"},{"speaker":"Andy Hart","startTime":3217.18,"endTime":3220.15,"body":"financial plan is paramount. The"},{"speaker":"Andy Hart","startTime":3217.18,"endTime":3220.15,"body":"other thing I'd like to say,"},{"speaker":"Andy Hart","startTime":3220.48,"endTime":3225.6099999999997,"body":"what do you have any idea what"},{"speaker":"Andy Hart","startTime":3220.48,"endTime":3225.6099999999997,"body":"percentage of advised portfolios"},{"speaker":"Andy Hart","startTime":3225.64,"endTime":3231.79,"body":"range between 60 and 80%? global"},{"speaker":"Andy Hart","startTime":3225.64,"endTime":3231.79,"body":"equities? What percentage of"},{"speaker":"Andy Hart","startTime":3231.79,"endTime":3236.98,"body":"advised portfolios sit between"},{"speaker":"Andy Hart","startTime":3231.79,"endTime":3236.98,"body":"60 and 80%? global equities? I"},{"speaker":"Andy Hart","startTime":3236.98,"endTime":3240.2799999999997,"body":"would hazard a guess of probably"},{"speaker":"Andy Hart","startTime":3236.98,"endTime":3240.2799999999997,"body":"about 80% of pull. I was gonna"},{"speaker":"Andy Hart","startTime":3240.2799999999997,"endTime":3246.4,"body":"say I'd say 80% of advised"},{"speaker":"Andy Hart","startTime":3240.2799999999997,"endTime":3246.4,"body":"client portfolios are between"},{"speaker":"Andy Hart","startTime":3246.4,"endTime":3249.91,"body":"the range of 60% Global Well,"},{"speaker":"Andy Hart","startTime":3246.4,"endTime":3249.91,"body":"that's I guess, I guess we don't"},{"speaker":"Andy Hart","startTime":3249.91,"endTime":3253.63,"body":"know. That's our guess. Oh my"},{"speaker":"Andy Hart","startTime":3249.91,"endTime":3253.63,"body":"God, have we overcomplicated to"},{"speaker":"Andy Hart","startTime":3253.63,"endTime":3257.98,"body":"get to that answer. How"},{"speaker":"Andy Hart","startTime":3253.63,"endTime":3257.98,"body":"overcomplicated? Have we made"},{"speaker":"Andy Hart","startTime":3258.0699999999997,"endTime":3261.31,"body":"that question that leads to that"},{"speaker":"Andy Hart","startTime":3258.0699999999997,"endTime":3261.31,"body":"answer if the answer is arranged"},{"speaker":"Andy Hart","startTime":3261.31,"endTime":3265.27,"body":"between 60 and 80%, global"},{"speaker":"Andy Hart","startTime":3261.31,"endTime":3265.27,"body":"equities? Oh my god, we're"},{"speaker":"Andy Hart","startTime":3265.27,"endTime":3269.35,"body":"massively overcomplicated the"},{"speaker":"Andy Hart","startTime":3265.27,"endTime":3269.35,"body":"process to get to that answer, I"},{"speaker":"Andy Hart","startTime":3269.35,"endTime":3269.7999999999997,"body":"believe,"},{"speaker":"Nick Lincoln","startTime":3270.22,"endTime":3272.68,"body":"Carl, you haven't"},{"speaker":"Nick Lincoln","startTime":3270.22,"endTime":3272.68,"body":"spoken on that I'm conscious of"},{"speaker":"Nick Lincoln","startTime":3272.68,"endTime":3274.93,"body":"time. Should I do the next"},{"speaker":"Nick Lincoln","startTime":3272.68,"endTime":3274.93,"body":"question and lead off first on"},{"speaker":"Nick Lincoln","startTime":3274.93,"endTime":3276.58,"body":"that one? Are you okay with"},{"speaker":"Nick Lincoln","startTime":3274.93,"endTime":3276.58,"body":"that? Would you want to chip in"},{"speaker":"Nick Lincoln","startTime":3276.58,"endTime":3277.21,"body":"on this? Yeah,"},{"speaker":"Carl Widger","startTime":3277.21,"endTime":3278.89,"body":"that's fine. Yeah."},{"speaker":"Carl Widger","startTime":3277.21,"endTime":3278.89,"body":"Okay, fine. So"},{"speaker":"Nick Lincoln","startTime":3279.58,"endTime":3281.47,"body":"I'm gonna try this"},{"speaker":"Nick Lincoln","startTime":3279.58,"endTime":3281.47,"body":"drum roll again, see if it"},{"speaker":"Nick Lincoln","startTime":3281.47,"endTime":3285.4,"body":"works. It's a bit annoying. If"},{"speaker":"Nick Lincoln","startTime":3281.47,"endTime":3285.4,"body":"it doesn't, just doesn't want to"},{"speaker":"Nick Lincoln","startTime":3285.4,"endTime":3289.69,"body":"play ball does it? Now okay,"},{"speaker":"Nick Lincoln","startTime":3285.4,"endTime":3289.69,"body":"fine. So next one's from Joshua"},{"speaker":"Nick Lincoln","startTime":3289.69,"endTime":3292.87,"body":"Carr, who's on Twitter as at"},{"speaker":"Nick Lincoln","startTime":3289.69,"endTime":3292.87,"body":"Joshua Brahmo. Joshua, you've"},{"speaker":"Nick Lincoln","startTime":3292.87,"endTime":3295.0299999999997,"body":"been on before. So this is your"},{"speaker":"Nick Lincoln","startTime":3292.87,"endTime":3295.0299999999997,"body":"second question. Consider"},{"speaker":"Nick Lincoln","startTime":3295.0299999999997,"endTime":3298.54,"body":"yourself blessed. network of"},{"speaker":"Nick Lincoln","startTime":3295.0299999999997,"endTime":3298.54,"body":"professionals. Are there tips"},{"speaker":"Nick Lincoln","startTime":3298.54,"endTime":3301.3599999999997,"body":"you can give on building this"},{"speaker":"Nick Lincoln","startTime":3298.54,"endTime":3301.3599999999997,"body":"network more? So how do I"},{"speaker":"Nick Lincoln","startTime":3301.3599999999997,"endTime":3304.6,"body":"validate my value? How do I"},{"speaker":"Nick Lincoln","startTime":3301.3599999999997,"endTime":3304.6,"body":"evaluate someone else's without"},{"speaker":"Nick Lincoln","startTime":3304.6,"endTime":3308.08,"body":"doing work with them? As someone"},{"speaker":"Nick Lincoln","startTime":3304.6,"endTime":3308.08,"body":"who has little social proof at"},{"speaker":"Nick Lincoln","startTime":3308.08,"endTime":3311.47,"body":"the moment? Am I better trying"},{"speaker":"Nick Lincoln","startTime":3308.08,"endTime":3311.47,"body":"to catch flies with honey, and"},{"speaker":"Nick Lincoln","startTime":3311.47,"endTime":3314.14,"body":"be ready for an opportunity that"},{"speaker":"Nick Lincoln","startTime":3311.47,"endTime":3314.14,"body":"comes cold? I'm flying that"},{"speaker":"Nick Lincoln","startTime":3314.14,"endTime":3314.7999999999997,"body":"balmy you?"},{"speaker":"Carl Widger","startTime":3317.2,"endTime":3322.5699999999997,"body":"Yeah, I'm sorry. I"},{"speaker":"Carl Widger","startTime":3317.2,"endTime":3322.5699999999997,"body":"agree to that now. Okay, so"},{"speaker":"Carl Widger","startTime":3322.6,"endTime":3325.99,"body":"look, I think I did I read the"},{"speaker":"Carl Widger","startTime":3322.6,"endTime":3325.99,"body":"question we were on, before"},{"speaker":"Carl Widger","startTime":3325.99,"endTime":3328.8399999999997,"body":"coming on. And I just thought"},{"speaker":"Carl Widger","startTime":3325.99,"endTime":3328.8399999999997,"body":"back to, I think it's nearly"},{"speaker":"Carl Widger","startTime":3328.8399999999997,"endTime":3332.2599999999998,"body":"episode one that we spoke about,"},{"speaker":"Carl Widger","startTime":3328.8399999999997,"endTime":3332.2599999999998,"body":"you know, what do you do when"},{"speaker":"Carl Widger","startTime":3332.2599999999998,"endTime":3334.8399999999997,"body":"you're when you're kind of"},{"speaker":"Carl Widger","startTime":3332.2599999999998,"endTime":3334.8399999999997,"body":"setting out and your journey? So"},{"speaker":"Carl Widger","startTime":3334.87,"endTime":3340.12,"body":"am I right in assuming that this"},{"speaker":"Carl Widger","startTime":3334.87,"endTime":3340.12,"body":"gentleman is setting out on his"},{"speaker":"Carl Widger","startTime":3340.12,"endTime":3342.16,"body":"financial planning? Yeah, I"},{"speaker":"Carl Widger","startTime":3340.12,"endTime":3342.16,"body":"think so. Yeah. Just trying to,"},{"speaker":"Carl Widger","startTime":3342.49,"endTime":3344.7999999999997,"body":"he's trying to build his network"},{"speaker":"Carl Widger","startTime":3342.49,"endTime":3344.7999999999997,"body":"in terms of clients, but also"},{"speaker":"Carl Widger","startTime":3344.7999999999997,"endTime":3347.68,"body":"professional advisors or"},{"speaker":"Carl Widger","startTime":3344.7999999999997,"endTime":3347.68,"body":"whatever, right? So for me, it's"},{"speaker":"Carl Widger","startTime":3347.71,"endTime":3351.2799999999997,"body":"an add on, I disagree on this,"},{"speaker":"Carl Widger","startTime":3347.71,"endTime":3351.2799999999997,"body":"right. But for me, it's going to"},{"speaker":"Carl Widger","startTime":3351.2799999999997,"endTime":3355.66,"body":"the opening of an envelope and I"},{"speaker":"Carl Widger","startTime":3351.2799999999997,"endTime":3355.66,"body":"really do think that that is so"},{"speaker":"Carl Widger","startTime":3355.66,"endTime":3359.5,"body":"important. And you know, you're"},{"speaker":"Carl Widger","startTime":3355.66,"endTime":3359.5,"body":"only going to find out who are"},{"speaker":"Carl Widger","startTime":3359.5,"endTime":3362.38,"body":"the people in terms of"},{"speaker":"Carl Widger","startTime":3359.5,"endTime":3362.38,"body":"professional advisors that you"},{"speaker":"Carl Widger","startTime":3362.38,"endTime":3365.0499999999997,"body":"want to work with, but also that"},{"speaker":"Carl Widger","startTime":3362.38,"endTime":3365.0499999999997,"body":"want to work with you and you're"},{"speaker":"Carl Widger","startTime":3365.0499999999997,"endTime":3369.3399999999997,"body":"probably in the realm of you got"},{"speaker":"Carl Widger","startTime":3365.0499999999997,"endTime":3369.3399999999997,"body":"to get these people to want to"},{"speaker":"Carl Widger","startTime":3369.3399999999997,"endTime":3372.31,"body":"work with you, as opposed to"},{"speaker":"Carl Widger","startTime":3369.3399999999997,"endTime":3372.31,"body":"picking and choosing. So I"},{"speaker":"Carl Widger","startTime":3372.31,"endTime":3375.73,"body":"think, you know, putting"},{"speaker":"Carl Widger","startTime":3372.31,"endTime":3375.73,"body":"yourself into the places that"},{"speaker":"Carl Widger","startTime":3375.73,"endTime":3379.75,"body":"these people Bill are hanging"},{"speaker":"Carl Widger","startTime":3375.73,"endTime":3379.75,"body":"out in would be a great way of"},{"speaker":"Carl Widger","startTime":3379.7799999999997,"endTime":3383.17,"body":"getting involved in that."},{"speaker":"Carl Widger","startTime":3379.7799999999997,"endTime":3383.17,"body":"Building the social proof, you"},{"speaker":"Carl Widger","startTime":3383.17,"endTime":3385.75,"body":"know that that just"},{"speaker":"Carl Widger","startTime":3383.17,"endTime":3385.75,"body":"unfortunately takes time. And"},{"speaker":"Carl Widger","startTime":3385.75,"endTime":3388.81,"body":"that does go back to maybe"},{"speaker":"Carl Widger","startTime":3385.75,"endTime":3388.81,"body":"Alan's point about creating the"},{"speaker":"Carl Widger","startTime":3388.81,"endTime":3391.9,"body":"content and all of that kind of"},{"speaker":"Carl Widger","startTime":3388.81,"endTime":3391.9,"body":"stuff. And, and, you know, just"},{"speaker":"Carl Widger","startTime":3391.9,"endTime":3395.56,"body":"to reiterate, my thoughts on"},{"speaker":"Carl Widger","startTime":3391.9,"endTime":3395.56,"body":"this is, it's, it's bloody hard"},{"speaker":"Carl Widger","startTime":3395.56,"endTime":3398.41,"body":"work at the start, there's no"},{"speaker":"Carl Widger","startTime":3395.56,"endTime":3398.41,"body":"point in saying otherwise, it is"},{"speaker":"Carl Widger","startTime":3398.41,"endTime":3401.8599999999997,"body":"just graft, right? Getting out"},{"speaker":"Carl Widger","startTime":3398.41,"endTime":3401.8599999999997,"body":"there. What do not and this will"},{"speaker":"Carl Widger","startTime":3401.8599999999997,"endTime":3405.8199999999997,"body":"be Ireland's point, I think, but"},{"speaker":"Carl Widger","startTime":3401.8599999999997,"endTime":3405.8199999999997,"body":"do not underestimate the power"},{"speaker":"Carl Widger","startTime":3405.8199999999997,"endTime":3409.27,"body":"of building the content from the"},{"speaker":"Carl Widger","startTime":3405.8199999999997,"endTime":3409.27,"body":"word go. So, you know, spend a"},{"speaker":"Carl Widger","startTime":3409.27,"endTime":3412.18,"body":"little bit of time doing the"},{"speaker":"Carl Widger","startTime":3409.27,"endTime":3412.18,"body":"content, but you're only going"},{"speaker":"Carl Widger","startTime":3412.18,"endTime":3416.41,"body":"to find the social proof when"},{"speaker":"Carl Widger","startTime":3412.18,"endTime":3416.41,"body":"you've done the work. So, you"},{"speaker":"Carl Widger","startTime":3416.41,"endTime":3421.0,"body":"know, there is no, there's no"},{"speaker":"Carl Widger","startTime":3416.41,"endTime":3421.0,"body":"magic potion here. It's, it's"},{"speaker":"Carl Widger","startTime":3421.0,"endTime":3424.45,"body":"get out there, you know, you got"},{"speaker":"Carl Widger","startTime":3421.0,"endTime":3424.45,"body":"to get meeting people. And as I"},{"speaker":"Carl Widger","startTime":3424.45,"endTime":3428.14,"body":"always say, to the mattes team"},{"speaker":"Carl Widger","startTime":3424.45,"endTime":3428.14,"body":"here, you know, you're not going"},{"speaker":"Carl Widger","startTime":3428.14,"endTime":3431.23,"body":"to meet people from behind your"},{"speaker":"Carl Widger","startTime":3428.14,"endTime":3431.23,"body":"computer. So yeah, you got to"},{"speaker":"Carl Widger","startTime":3431.23,"endTime":3433.66,"body":"spend a bit of time doing the"},{"speaker":"Carl Widger","startTime":3431.23,"endTime":3433.66,"body":"content. But you've got to get"},{"speaker":"Carl Widger","startTime":3433.66,"endTime":3435.2799999999997,"body":"out there. And you got to meet"},{"speaker":"Carl Widger","startTime":3433.66,"endTime":3435.2799999999997,"body":"people. Just"},{"speaker":"Alan Smith","startTime":3435.2799999999997,"endTime":3439.5699999999997,"body":"Just to clarify, I"},{"speaker":"Alan Smith","startTime":3435.2799999999997,"endTime":3439.5699999999997,"body":"would I don't disagree with you,"},{"speaker":"Alan Smith","startTime":3439.5699999999997,"endTime":3443.5,"body":"what I, what I am saying is,"},{"speaker":"Alan Smith","startTime":3439.5699999999997,"endTime":3443.5,"body":"it's hard to scale that sort of"},{"speaker":"Alan Smith","startTime":3443.5,"endTime":3446.29,"body":"thing, a face to face a one to"},{"speaker":"Alan Smith","startTime":3443.5,"endTime":3446.29,"body":"one one at a time, there is only"},{"speaker":"Alan Smith","startTime":3446.29,"endTime":3449.0499999999997,"body":"so many hours in the day. And to"},{"speaker":"Alan Smith","startTime":3446.29,"endTime":3449.0499999999997,"body":"do that, yeah, multiple times."},{"speaker":"Alan Smith","startTime":3449.0499999999997,"endTime":3452.02,"body":"But no, I do think you do need"},{"speaker":"Alan Smith","startTime":3449.0499999999997,"endTime":3452.02,"body":"to do that. And there's no"},{"speaker":"Alan Smith","startTime":3452.02,"endTime":3454.48,"body":"substitute for face to face and"},{"speaker":"Alan Smith","startTime":3452.02,"endTime":3454.48,"body":"engagement. But if you're doing"},{"speaker":"Alan Smith","startTime":3454.48,"endTime":3457.15,"body":"kind of blindly, you're showing"},{"speaker":"Alan Smith","startTime":3454.48,"endTime":3457.15,"body":"up, I mean, I've spent years"},{"speaker":"Alan Smith","startTime":3457.15,"endTime":3459.46,"body":"just you know, having so called"},{"speaker":"Alan Smith","startTime":3457.15,"endTime":3459.46,"body":"Coffee, meeting speculative"},{"speaker":"Alan Smith","startTime":3459.46,"endTime":3461.68,"body":"coffee meetings with accountants"},{"speaker":"Alan Smith","startTime":3459.46,"endTime":3461.68,"body":"that came to nothing, and"},{"speaker":"Alan Smith","startTime":3461.68,"endTime":3463.63,"body":"everyone knows in the right"},{"speaker":"Alan Smith","startTime":3461.68,"endTime":3463.63,"body":"places, so be good to know, you,"},{"speaker":"Alan Smith","startTime":3463.63,"endTime":3466.63,"body":"and so on. So I think you have"},{"speaker":"Alan Smith","startTime":3463.63,"endTime":3466.63,"body":"to be a bit more tactical. And I"},{"speaker":"Alan Smith","startTime":3466.63,"endTime":3471.49,"body":"think there is a, there's a"},{"speaker":"Alan Smith","startTime":3466.63,"endTime":3471.49,"body":"magical email that you send, I"},{"speaker":"Alan Smith","startTime":3471.49,"endTime":3474.7599999999998,"body":"think accountants are the best"},{"speaker":"Alan Smith","startTime":3471.49,"endTime":3474.7599999999998,"body":"place to start. And I'm assuming"},{"speaker":"Alan Smith","startTime":3474.7599999999998,"endTime":3478.54,"body":"that Joshua has got a you know,"},{"speaker":"Alan Smith","startTime":3474.7599999999998,"endTime":3478.54,"body":"some clients or within his firm,"},{"speaker":"Alan Smith","startTime":3478.54,"endTime":3481.99,"body":"there are some clients and I"},{"speaker":"Alan Smith","startTime":3478.54,"endTime":3481.99,"body":"think it's a really underused"},{"speaker":"Alan Smith","startTime":3481.99,"endTime":3485.29,"body":"opportunity, which is if you've"},{"speaker":"Alan Smith","startTime":3481.99,"endTime":3485.29,"body":"got an existing clients, a lot"},{"speaker":"Alan Smith","startTime":3485.29,"endTime":3487.3599999999997,"body":"of them will have an"},{"speaker":"Alan Smith","startTime":3485.29,"endTime":3487.3599999999997,"body":"increasingly with more people"},{"speaker":"Alan Smith","startTime":3487.3599999999997,"endTime":3489.73,"body":"being caught by higher tax"},{"speaker":"Alan Smith","startTime":3487.3599999999997,"endTime":3489.73,"body":"relief. Now we'll have"},{"speaker":"Alan Smith","startTime":3489.7599999999998,"endTime":3492.91,"body":"accountants themselves that they"},{"speaker":"Alan Smith","startTime":3489.7599999999998,"endTime":3492.91,"body":"found found under their own"},{"speaker":"Alan Smith","startTime":3492.91,"endTime":3497.7999999999997,"body":"steam. If you send an email, you"},{"speaker":"Alan Smith","startTime":3492.91,"endTime":3497.7999999999997,"body":"identify who the accountant is,"},{"speaker":"Alan Smith","startTime":3497.83,"endTime":3502.2999999999997,"body":"and you, you send an email to"},{"speaker":"Alan Smith","startTime":3497.83,"endTime":3502.2999999999997,"body":"them and an email title is we"},{"speaker":"Alan Smith","startTime":3502.2999999999997,"endTime":3506.74,"body":"have a mutual client. We have a"},{"speaker":"Alan Smith","startTime":3502.2999999999997,"endTime":3506.74,"body":"mutual client, that letter that"},{"speaker":"Alan Smith","startTime":3506.74,"endTime":3512.74,"body":"email gets opened for sure. And"},{"speaker":"Alan Smith","startTime":3506.74,"endTime":3512.74,"body":"and you offer to have to have a"},{"speaker":"Alan Smith","startTime":3512.74,"endTime":3514.6,"body":"meeting and then if you have"},{"speaker":"Alan Smith","startTime":3512.74,"endTime":3514.6,"body":"with the clients permission, of"},{"speaker":"Alan Smith","startTime":3514.6,"endTime":3517.33,"body":"course you eight you're able to"},{"speaker":"Alan Smith","startTime":3514.6,"endTime":3517.33,"body":"show show your work. You say,"},{"speaker":"Alan Smith","startTime":3517.42,"endTime":3520.5099999999998,"body":"here's the financial plan that"},{"speaker":"Alan Smith","startTime":3517.42,"endTime":3520.5099999999998,"body":"we built for our mutual client,"},{"speaker":"Alan Smith","startTime":3520.5099999999998,"endTime":3523.5699999999997,"body":"this is the work we do. Even if"},{"speaker":"Alan Smith","startTime":3520.5099999999998,"endTime":3523.5699999999997,"body":"I've had this even if the"},{"speaker":"Alan Smith","startTime":3523.5699999999997,"endTime":3527.47,"body":"accountant has got an in house"},{"speaker":"Alan Smith","startTime":3523.5699999999997,"endTime":3527.47,"body":"IFA usually look at that and go,"},{"speaker":"Alan Smith","startTime":3527.5,"endTime":3530.47,"body":"Wow, I hadn't seen this before."},{"speaker":"Alan Smith","startTime":3527.5,"endTime":3530.47,"body":"Because we're caught on we"},{"speaker":"Alan Smith","startTime":3530.47,"endTime":3532.93,"body":"assume that everyone does this."},{"speaker":"Alan Smith","startTime":3530.47,"endTime":3532.93,"body":"Everyone does this detailed,"},{"speaker":"Alan Smith","startTime":3532.93,"endTime":3535.81,"body":"comprehensive plans. Most"},{"speaker":"Alan Smith","startTime":3532.93,"endTime":3535.81,"body":"people, most firms and most"},{"speaker":"Alan Smith","startTime":3535.81,"endTime":3540.0699999999997,"body":"advisor firms don't. So that's"},{"speaker":"Alan Smith","startTime":3535.81,"endTime":3540.0699999999997,"body":"the way identify accountants who"},{"speaker":"Alan Smith","startTime":3540.0699999999997,"endTime":3542.3199999999997,"body":"your clients already work with,"},{"speaker":"Alan Smith","startTime":3540.0699999999997,"endTime":3542.3199999999997,"body":"with the clients permission,"},{"speaker":"Alan Smith","startTime":3542.35,"endTime":3545.41,"body":"say, it makes sense for us to"},{"speaker":"Alan Smith","startTime":3542.35,"endTime":3545.41,"body":"have a joined up conversation."},{"speaker":"Alan Smith","startTime":3545.5899999999997,"endTime":3548.74,"body":"Yep, get in touch with them,"},{"speaker":"Alan Smith","startTime":3545.5899999999997,"endTime":3548.74,"body":"show your work to that and just"},{"speaker":"Alan Smith","startTime":3548.77,"endTime":3551.08,"body":"request permission to stay in"},{"speaker":"Alan Smith","startTime":3548.77,"endTime":3551.08,"body":"touch. That's all you're looking"},{"speaker":"Alan Smith","startTime":3551.08,"endTime":3554.3199999999997,"body":"to do at that stage and drop"},{"speaker":"Alan Smith","startTime":3551.08,"endTime":3554.3199999999997,"body":"them an email once a month with"},{"speaker":"Alan Smith","startTime":3554.3199999999997,"endTime":3555.5499999999997,"body":"some interesting ideas."},{"speaker":"Carl Widger","startTime":3555.94,"endTime":3558.67,"body":"That's called Alan"},{"speaker":"Carl Widger","startTime":3555.94,"endTime":3558.67,"body":"That's That's fabulous. Yeah,"},{"speaker":"Carl Widger","startTime":3558.7,"endTime":3561.0699999999997,"body":"that's you will much better"},{"speaker":"Carl Widger","startTime":3558.7,"endTime":3561.0699999999997,"body":"answer the mind well done."},{"speaker":"Nick Lincoln","startTime":3562.3599999999997,"endTime":3564.8199999999997,"body":"I would just very"},{"speaker":"Nick Lincoln","startTime":3562.3599999999997,"endTime":3564.8199999999997,"body":"quickly close you on that sort"},{"speaker":"Nick Lincoln","startTime":3564.8199999999997,"endTime":3567.0699999999997,"body":"of ruthless Lincoln style. If"},{"speaker":"Nick Lincoln","startTime":3564.8199999999997,"endTime":3567.0699999999997,"body":"you're gonna focus on"},{"speaker":"Nick Lincoln","startTime":3567.0699999999997,"endTime":3569.23,"body":"professionals focus on"},{"speaker":"Nick Lincoln","startTime":3567.0699999999997,"endTime":3569.23,"body":"accounting service solicitors"},{"speaker":"Nick Lincoln","startTime":3569.5899999999997,"endTime":3572.95,"body":"and get show accountants and"},{"speaker":"Nick Lincoln","startTime":3569.5899999999997,"endTime":3572.95,"body":"numerous people right, they're"},{"speaker":"Nick Lincoln","startTime":3572.95,"endTime":3575.08,"body":"driven by numbers and the more"},{"speaker":"Nick Lincoln","startTime":3572.95,"endTime":3575.08,"body":"products you have, the better"},{"speaker":"Nick Lincoln","startTime":3575.08,"endTime":3577.45,"body":"ones are also business coaches,"},{"speaker":"Nick Lincoln","startTime":3575.08,"endTime":3577.45,"body":"and if you can show them a cash"},{"speaker":"Nick Lincoln","startTime":3577.45,"endTime":3580.9,"body":"flow model, it knocks their"},{"speaker":"Nick Lincoln","startTime":3577.45,"endTime":3580.9,"body":"socks off, they love it. They"},{"speaker":"Nick Lincoln","startTime":3580.9,"endTime":3585.1,"body":"love it. And accountants. I'm"},{"speaker":"Nick Lincoln","startTime":3580.9,"endTime":3585.1,"body":"using a broad brush here but"},{"speaker":"Nick Lincoln","startTime":3585.1,"endTime":3588.6099999999997,"body":"typically they have a problem"},{"speaker":"Nick Lincoln","startTime":3585.1,"endTime":3588.6099999999997,"body":"for every solution. They might"},{"speaker":"Nick Lincoln","startTime":3588.64,"endTime":3593.14,"body":"mindset litigation and avoid"},{"speaker":"Nick Lincoln","startTime":3588.64,"endTime":3593.14,"body":"risks. Solicitors sorry Sakina"},{"speaker":"Nick Lincoln","startTime":3593.14,"endTime":3596.89,"body":"as solicitors have this mindset"},{"speaker":"Nick Lincoln","startTime":3593.14,"endTime":3596.89,"body":"where they their job is to make"},{"speaker":"Nick Lincoln","startTime":3596.89,"endTime":3598.6,"body":"sure their clients don't put"},{"speaker":"Nick Lincoln","startTime":3596.89,"endTime":3598.6,"body":"their foot in this they're very"},{"speaker":"Nick Lincoln","startTime":3598.6,"endTime":3600.7,"body":"risk averse and I find them hard"},{"speaker":"Nick Lincoln","startTime":3598.6,"endTime":3600.7,"body":"but I find accountants are"},{"speaker":"Nick Lincoln","startTime":3600.7,"endTime":3603.52,"body":"easier and get accountants to do"},{"speaker":"Nick Lincoln","startTime":3600.7,"endTime":3603.52,"body":"this show them the cash flow"},{"speaker":"Nick Lincoln","startTime":3603.52,"endTime":3605.83,"body":"show the cash flow model on"},{"speaker":"Nick Lincoln","startTime":3603.52,"endTime":3605.83,"body":"themselves or your whatever"},{"speaker":"Nick Lincoln","startTime":3605.95,"endTime":3609.16,"body":"don't mention product just show"},{"speaker":"Nick Lincoln","startTime":3605.95,"endTime":3609.16,"body":"them the grass. They love it."},{"speaker":"Nick Lincoln","startTime":3609.19,"endTime":3612.13,"body":"They love it. If they're any"},{"speaker":"Nick Lincoln","startTime":3609.19,"endTime":3612.13,"body":"good. Sorry Andy we can say"},{"speaker":"Nick Lincoln","startTime":3612.13,"endTime":3612.37,"body":"something"},{"speaker":"Andy Hart","startTime":3613.6,"endTime":3620.38,"body":"I was just gonna say"},{"speaker":"Andy Hart","startTime":3613.6,"endTime":3620.38,"body":"in terms of building my network,"},{"speaker":"Andy Hart","startTime":3620.41,"endTime":3624.49,"body":"the people that I get basically"},{"speaker":"Andy Hart","startTime":3620.41,"endTime":3624.49,"body":"ifas are great for me. So"},{"speaker":"Andy Hart","startTime":3624.49,"endTime":3627.25,"body":"obviously I've got enough"},{"speaker":"Andy Hart","startTime":3624.49,"endTime":3627.25,"body":"clients I know enough ifas but"},{"speaker":"Andy Hart","startTime":3627.25,"endTime":3631.5699999999997,"body":"when a client's looking for some"},{"speaker":"Andy Hart","startTime":3627.25,"endTime":3631.5699999999997,"body":"odd thing they need help with"},{"speaker":"Andy Hart","startTime":3631.6,"endTime":3635.83,"body":"with some Portuguese property or"},{"speaker":"Andy Hart","startTime":3631.6,"endTime":3635.83,"body":"something. I'd obviously just"},{"speaker":"Andy Hart","startTime":3635.83,"endTime":3639.79,"body":"send a quick email to ifas I"},{"speaker":"Andy Hart","startTime":3635.83,"endTime":3639.79,"body":"know so yeah, in terms of"},{"speaker":"Andy Hart","startTime":3639.91,"endTime":3644.56,"body":"building out my network, it"},{"speaker":"Andy Hart","startTime":3639.91,"endTime":3644.56,"body":"often comes from other ifas and"},{"speaker":"Andy Hart","startTime":3644.56,"endTime":3647.83,"body":"back to my business networking"},{"speaker":"Andy Hart","startTime":3644.56,"endTime":3647.83,"body":"days people often say Do you"},{"speaker":"Andy Hart","startTime":3647.83,"endTime":3650.89,"body":"know a don't they say Do you"},{"speaker":"Andy Hart","startTime":3647.83,"endTime":3650.89,"body":"know a plumber? Do you know a"},{"speaker":"Andy Hart","startTime":3650.89,"endTime":3654.1,"body":"lawyer do you know a they don't"},{"speaker":"Andy Hart","startTime":3650.89,"endTime":3654.1,"body":"say Do you know the best? So"},{"speaker":"Andy Hart","startTime":3654.1,"endTime":3656.77,"body":"you've just got to get to the"},{"speaker":"Andy Hart","startTime":3654.1,"endTime":3656.77,"body":"point where if someone says Do"},{"speaker":"Andy Hart","startTime":3656.77,"endTime":3660.7599999999998,"body":"you know a financial advisor"},{"speaker":"Andy Hart","startTime":3656.77,"endTime":3660.7599999999998,"body":"then you come to mind they're"},{"speaker":"Andy Hart","startTime":3660.7599999999998,"endTime":3663.5499999999997,"body":"not looking for Do you know the"},{"speaker":"Andy Hart","startTime":3660.7599999999998,"endTime":3663.5499999999997,"body":"best financial advisor is the"},{"speaker":"Andy Hart","startTime":3663.5499999999997,"endTime":3664.15,"body":"you know a"},{"speaker":"Nick Lincoln","startTime":3664.96,"endTime":3667.27,"body":"that's it. Cool"},{"speaker":"Nick Lincoln","startTime":3664.96,"endTime":3667.27,"body":"Excellent. Okay, we given those"},{"speaker":"Nick Lincoln","startTime":3667.27,"endTime":3669.97,"body":"two questions are really really"},{"speaker":"Nick Lincoln","startTime":3667.27,"endTime":3669.97,"body":"good thrashing Joshua an hour"},{"speaker":"Nick Lincoln","startTime":3669.97,"endTime":3672.0099999999998,"body":"and hope you got some value from"},{"speaker":"Nick Lincoln","startTime":3669.97,"endTime":3672.0099999999998,"body":"that. I think without any"},{"speaker":"Nick Lincoln","startTime":3672.0099999999998,"endTime":3674.7999999999997,"body":"further ado, it's time for us to"},{"speaker":"Nick Lincoln","startTime":3672.0099999999998,"endTime":3674.7999999999997,"body":"move on to what many people call"},{"speaker":"Nick Lincoln","startTime":3674.95,"endTime":3680.47,"body":"culture corner Which isn't"},{"speaker":"Nick Lincoln","startTime":3674.95,"endTime":3680.47,"body":"working. Okay, so my soundboard"},{"speaker":"Nick Lincoln","startTime":3680.47,"endTime":3681.2799999999997,"body":"is terrible. We're"},{"speaker":"Andy Hart","startTime":3681.2799999999997,"endTime":3683.47,"body":"gonna have to get a"},{"speaker":"Andy Hart","startTime":3681.2799999999997,"endTime":3683.47,"body":"new technician, aren't we? Yeah,"},{"speaker":"Andy Hart","startTime":3683.5,"endTime":3683.95,"body":"well."},{"speaker":"Alan Smith","startTime":3685.9,"endTime":3688.6,"body":"Although the"},{"speaker":"Alan Smith","startTime":3685.9,"endTime":3688.6,"body":"storytime storytime for me"},{"speaker":"Nick Lincoln","startTime":3691.27,"endTime":3693.13,"body":"this is very"},{"speaker":"Nick Lincoln","startTime":3691.27,"endTime":3693.13,"body":"annoying that nothing will work."},{"speaker":"Nick Lincoln","startTime":3693.13,"endTime":3695.14,"body":"Nevermind. So we won't have an"},{"speaker":"Nick Lincoln","startTime":3693.13,"endTime":3695.14,"body":"outro either. Today, let's go"},{"speaker":"Nick Lincoln","startTime":3695.14,"endTime":3698.5299999999997,"body":"straight to a culture corner."},{"speaker":"Nick Lincoln","startTime":3695.14,"endTime":3698.5299999999997,"body":"Let's start off with Mr. Smith"},{"speaker":"Nick Lincoln","startTime":3698.5299999999997,"endTime":3700.96,"body":"quickly. Your one is the"},{"speaker":"Nick Lincoln","startTime":3698.5299999999997,"endTime":3700.96,"body":"geometry of wealth."},{"speaker":"Alan Smith","startTime":3702.79,"endTime":3706.0,"body":"Brian Portnoy, I'm a"},{"speaker":"Alan Smith","startTime":3702.79,"endTime":3706.0,"body":"big fan. He wrote a book five"},{"speaker":"Alan Smith","startTime":3706.0,"endTime":3708.94,"body":"years ago, I believe called the"},{"speaker":"Alan Smith","startTime":3706.0,"endTime":3708.94,"body":"geometry of, of wealth. And I"},{"speaker":"Alan Smith","startTime":3708.94,"endTime":3713.08,"body":"think it's kind of not"},{"speaker":"Alan Smith","startTime":3708.94,"endTime":3713.08,"body":"particularly well known in the"},{"speaker":"Alan Smith","startTime":3713.08,"endTime":3715.87,"body":"world of everyone, because on"},{"speaker":"Alan Smith","startTime":3713.08,"endTime":3715.87,"body":"above personal finance books,"},{"speaker":"Alan Smith","startTime":3715.87,"endTime":3718.81,"body":"and Morgan Housel. 's book and"},{"speaker":"Alan Smith","startTime":3715.87,"endTime":3718.81,"body":"Nick Murray's book. I don't"},{"speaker":"Alan Smith","startTime":3718.81,"endTime":3721.9,"body":"think a lot of people talk about"},{"speaker":"Alan Smith","startTime":3718.81,"endTime":3721.9,"body":"this. And I read it years ago,"},{"speaker":"Alan Smith","startTime":3721.9,"endTime":3724.15,"body":"and I reread it again recently,"},{"speaker":"Alan Smith","startTime":3721.9,"endTime":3724.15,"body":"because I'm having a meeting and"},{"speaker":"Alan Smith","startTime":3724.15,"endTime":3728.83,"body":"a conversation with Brian,"},{"speaker":"Alan Smith","startTime":3724.15,"endTime":3728.83,"body":"coming up very soon. And I gotta"},{"speaker":"Alan Smith","startTime":3728.83,"endTime":3733.21,"body":"say is brilliant. It's just so,"},{"speaker":"Alan Smith","startTime":3728.83,"endTime":3733.21,"body":"so good. The words and the"},{"speaker":"Alan Smith","startTime":3733.21,"endTime":3735.85,"body":"language are actually all the"},{"speaker":"Alan Smith","startTime":3733.21,"endTime":3735.85,"body":"things we've talked about today"},{"speaker":"Alan Smith","startTime":3735.85,"endTime":3739.2999999999997,"body":"about what is real, real"},{"speaker":"Alan Smith","startTime":3735.85,"endTime":3739.2999999999997,"body":"financial planning. He talks"},{"speaker":"Alan Smith","startTime":3739.2999999999997,"endTime":3742.42,"body":"about how people you know, human"},{"speaker":"Alan Smith","startTime":3739.2999999999997,"endTime":3742.42,"body":"beings love complexity had been"},{"speaker":"Alan Smith","startTime":3742.42,"endTime":3745.33,"body":"a Bitcoin and all that sort of"},{"speaker":"Alan Smith","startTime":3742.42,"endTime":3745.33,"body":"stuff, if this is what and you"},{"speaker":"Alan Smith","startTime":3745.33,"endTime":3747.3399999999997,"body":"know, some simplicity words, he"},{"speaker":"Alan Smith","startTime":3745.33,"endTime":3747.3399999999997,"body":"talks about the value of"},{"speaker":"Alan Smith","startTime":3747.3399999999997,"endTime":3751.27,"body":"experience, it is just full of"},{"speaker":"Alan Smith","startTime":3747.3399999999997,"endTime":3751.27,"body":"nuggets of wisdom and gold, and"},{"speaker":"Alan Smith","startTime":3751.27,"endTime":3753.85,"body":"I'm a big supporter of it. And"},{"speaker":"Alan Smith","startTime":3751.27,"endTime":3753.85,"body":"if you hadn't read it, go out"},{"speaker":"Alan Smith","startTime":3753.85,"endTime":3755.74,"body":"and download it or buy it or"},{"speaker":"Alan Smith","startTime":3753.85,"endTime":3755.74,"body":"listen to it. I think it's"},{"speaker":"Alan Smith","startTime":3755.74,"endTime":3757.87,"body":"fantastic. Brilliant, brilliant."},{"speaker":"Nick Lincoln","startTime":3757.87,"endTime":3759.31,"body":"Okay, as ever,"},{"speaker":"Nick Lincoln","startTime":3757.87,"endTime":3759.31,"body":"there'll be a link to that in"},{"speaker":"Nick Lincoln","startTime":3759.31,"endTime":3762.0099999999998,"body":"the so called show notes. Mr."},{"speaker":"Nick Lincoln","startTime":3759.31,"endTime":3762.0099999999998,"body":"widger, the high performance"},{"speaker":"Nick Lincoln","startTime":3762.0099999999998,"endTime":3762.85,"body":"podcast."},{"speaker":"Carl Widger","startTime":3763.99,"endTime":3767.29,"body":"Yeah, just very"},{"speaker":"Carl Widger","startTime":3763.99,"endTime":3767.29,"body":"quickly on this one. So I love"},{"speaker":"Carl Widger","startTime":3767.3199999999997,"endTime":3772.15,"body":"listening to the kind of stories"},{"speaker":"Carl Widger","startTime":3767.3199999999997,"endTime":3772.15,"body":"behind successful sports people"},{"speaker":"Carl Widger","startTime":3772.15,"endTime":3776.2599999999998,"body":"so that that's what these guys"},{"speaker":"Carl Widger","startTime":3772.15,"endTime":3776.2599999999998,"body":"do. There are some great stories"},{"speaker":"Carl Widger","startTime":3776.2599999999998,"endTime":3781.21,"body":"in some episodes. Maybe a little"},{"speaker":"Carl Widger","startTime":3776.2599999999998,"endTime":3781.21,"body":"bit more, but there are this"},{"speaker":"Carl Widger","startTime":3781.21,"endTime":3786.0099999999998,"body":"podcast. Yeah, well, this"},{"speaker":"Carl Widger","startTime":3781.21,"endTime":3786.0099999999998,"body":"episode. No, no, they, they have"},{"speaker":"Carl Widger","startTime":3786.0099999999998,"endTime":3792.79,"body":"some good ones Ireland. So but"},{"speaker":"Carl Widger","startTime":3786.0099999999998,"endTime":3792.79,"body":"yeah, I think like, if you're"},{"speaker":"Carl Widger","startTime":3792.79,"endTime":3794.95,"body":"interested in sport, you can"},{"speaker":"Carl Widger","startTime":3792.79,"endTime":3794.95,"body":"kind of pick the sport that"},{"speaker":"Carl Widger","startTime":3794.95,"endTime":3798.85,"body":"you're interested in. And, you"},{"speaker":"Carl Widger","startTime":3794.95,"endTime":3798.85,"body":"know, link it to the to the"},{"speaker":"Carl Widger","startTime":3798.88,"endTime":3801.0699999999997,"body":"person that was successful and"},{"speaker":"Carl Widger","startTime":3798.88,"endTime":3801.0699999999997,"body":"finding out about their"},{"speaker":"Carl Widger","startTime":3801.0699999999997,"endTime":3803.74,"body":"backstories. And one of the"},{"speaker":"Carl Widger","startTime":3801.0699999999997,"endTime":3803.74,"body":"great things, you know, that"},{"speaker":"Carl Widger","startTime":3803.74,"endTime":3807.0699999999997,"body":"you'll you'll you'll find out."},{"speaker":"Carl Widger","startTime":3803.74,"endTime":3807.0699999999997,"body":"And look, we all know this, but"},{"speaker":"Carl Widger","startTime":3807.49,"endTime":3810.4,"body":"people you know, people have"},{"speaker":"Carl Widger","startTime":3807.49,"endTime":3810.4,"body":"impostor syndrome. We spoke"},{"speaker":"Carl Widger","startTime":3810.4,"endTime":3814.21,"body":"about it before and you know,"},{"speaker":"Carl Widger","startTime":3810.4,"endTime":3814.21,"body":"talking to Jonny Wilkinson"},{"speaker":"Carl Widger","startTime":3814.21,"endTime":3819.3399999999997,"body":"about, you know, how did he you"},{"speaker":"Carl Widger","startTime":3814.21,"endTime":3819.3399999999997,"body":"know, become so successful. And"},{"speaker":"Carl Widger","startTime":3819.6099999999997,"endTime":3822.7,"body":"yeah, we're not going to talk"},{"speaker":"Carl Widger","startTime":3819.6099999999997,"endTime":3822.7,"body":"about that Nick, by the way. But"},{"speaker":"Carl Widger","startTime":3822.79,"endTime":3826.93,"body":"anyway, I would highly recommend"},{"speaker":"Carl Widger","startTime":3822.79,"endTime":3826.93,"body":"the high performance podcast."},{"speaker":"Carl Widger","startTime":3826.93,"endTime":3827.7999999999997,"body":"It's really really good."},{"speaker":"Andy Hart","startTime":3827.8289999999997,"endTime":3830.259,"body":"I really enjoyed the"},{"speaker":"Andy Hart","startTime":3827.8289999999997,"endTime":3830.259,"body":"Marcus wearing one the chef."},{"speaker":"Andy Hart","startTime":3831.129,"endTime":3833.919,"body":"Yeah, I love hearing those"},{"speaker":"Andy Hart","startTime":3831.129,"endTime":3833.919,"body":"stories. Yes. If you'd"},{"speaker":"Alan Smith","startTime":3833.92,"endTime":3836.3199999999997,"body":"like podcasts like"},{"speaker":"Alan Smith","startTime":3833.92,"endTime":3836.3199999999997,"body":"that, there's one and you like"},{"speaker":"Alan Smith","startTime":3836.3199999999997,"endTime":3841.0,"body":"music. There's a similar one"},{"speaker":"Alan Smith","startTime":3836.3199999999997,"endTime":3841.0,"body":"called Rock on tours that play"},{"speaker":"Alan Smith","startTime":3841.0,"endTime":3845.41,"body":"on the word rock and it's dari"},{"speaker":"Alan Smith","startTime":3841.0,"endTime":3845.41,"body":"camp, Spandau Ballet and he"},{"speaker":"Alan Smith","startTime":3845.41,"endTime":3848.29,"body":"interviews and loads of the"},{"speaker":"Alan Smith","startTime":3845.41,"endTime":3848.29,"body":"people that I've sort of grown"},{"speaker":"Alan Smith","startTime":3848.29,"endTime":3850.5699999999997,"body":"up with and loved and he tell"},{"speaker":"Alan Smith","startTime":3848.29,"endTime":3850.5699999999997,"body":"you the behind the scenes story"},{"speaker":"Alan Smith","startTime":3850.5699999999997,"endTime":3852.2799999999997,"body":"of you when that album got"},{"speaker":"Alan Smith","startTime":3850.5699999999997,"endTime":3852.2799999999997,"body":"released and you can remember"},{"speaker":"Alan Smith","startTime":3852.2799999999997,"endTime":3855.49,"body":"buying it and all this sort of"},{"speaker":"Alan Smith","startTime":3852.2799999999997,"endTime":3855.49,"body":"stuff that went really once Jim"},{"speaker":"Alan Smith","startTime":3855.49,"endTime":3857.95,"body":"Kerr from Simple Minds was"},{"speaker":"Alan Smith","startTime":3855.49,"endTime":3857.95,"body":"talking about it and a bunch of"},{"speaker":"Alan Smith","startTime":3857.95,"endTime":3858.85,"body":"other people fanboy"},{"speaker":"Andy Hart","startTime":3858.85,"endTime":3861.22,"body":"you in really glam"},{"speaker":"Andy Hart","startTime":3858.85,"endTime":3861.22,"body":"rock stage as well. I didn't"},{"speaker":"Alan Smith","startTime":3862.0899999999997,"endTime":3863.44,"body":"know I was a punk"},{"speaker":"Alan Smith","startTime":3862.0899999999997,"endTime":3863.44,"body":"rocker"},{"speaker":"Unknown","startTime":3865.0899999999997,"endTime":3865.99,"body":"intrudes"},{"speaker":"Carl Widger","startTime":3866.2,"endTime":3867.85,"body":"you're still are my"},{"speaker":"Carl Widger","startTime":3866.2,"endTime":3867.85,"body":"friends. Yeah."},{"speaker":"Andy Hart","startTime":3869.62,"endTime":3871.81,"body":"It was it was a punk"},{"speaker":"Andy Hart","startTime":3869.62,"endTime":3871.81,"body":"rock clubs in Troon."},{"speaker":"Alan Smith","startTime":3872.2599999999998,"endTime":3874.63,"body":"Oh, yes, mate. Oh,"},{"speaker":"Alan Smith","startTime":3872.2599999999998,"endTime":3874.63,"body":"yes. I was in a band."},{"speaker":"Nick Lincoln","startTime":3875.47,"endTime":3877.8399999999997,"body":"Oh, god. Okay."},{"speaker":"Nick Lincoln","startTime":3875.47,"endTime":3877.8399999999997,"body":"Okay, poor this before this"},{"speaker":"Nick Lincoln","startTime":3877.8399999999997,"endTime":3881.08,"body":"ends, but I listened to. I did."},{"speaker":"Nick Lincoln","startTime":3877.8399999999997,"endTime":3881.08,"body":"It's one of those rockets is one"},{"speaker":"Nick Lincoln","startTime":3881.08,"endTime":3883.15,"body":"of those ones you dip in and out"},{"speaker":"Nick Lincoln","startTime":3881.08,"endTime":3883.15,"body":"of depending on the guest. Yes."},{"speaker":"Nick Lincoln","startTime":3883.54,"endTime":3886.0,"body":"So yeah, it's interesting guy"},{"speaker":"Nick Lincoln","startTime":3883.54,"endTime":3886.0,"body":"price. The co host is a"},{"speaker":"Nick Lincoln","startTime":3886.5699999999997,"endTime":3889.24,"body":"distinguished bass player,"},{"speaker":"Nick Lincoln","startTime":3886.5699999999997,"endTime":3889.24,"body":"session, bass player. Okay, I"},{"speaker":"Nick Lincoln","startTime":3889.24,"endTime":3892.8399999999997,"body":"think we've, I've got I've got"},{"speaker":"Nick Lincoln","startTime":3889.24,"endTime":3892.8399999999997,"body":"one as well. So this is this is"},{"speaker":"Nick Lincoln","startTime":3893.2599999999998,"endTime":3895.7799999999997,"body":"this, this app will be familiar"},{"speaker":"Nick Lincoln","startTime":3893.2599999999998,"endTime":3895.7799999999997,"body":"to a lot of you but to others,"},{"speaker":"Nick Lincoln","startTime":3895.7799999999997,"endTime":3898.0899999999997,"body":"it may or may be not. And it's"},{"speaker":"Nick Lincoln","startTime":3895.7799999999997,"endTime":3898.0899999999997,"body":"Citymapper. It's one of these"},{"speaker":"Nick Lincoln","startTime":3898.0899999999997,"endTime":3900.8199999999997,"body":"travel apps that helps you get"},{"speaker":"Nick Lincoln","startTime":3898.0899999999997,"endTime":3900.8199999999997,"body":"around cities. I think it's the"},{"speaker":"Nick Lincoln","startTime":3900.8199999999997,"endTime":3904.21,"body":"most reliable. It's very good"},{"speaker":"Nick Lincoln","startTime":3900.8199999999997,"endTime":3904.21,"body":"for walking, which Google Maps"},{"speaker":"Nick Lincoln","startTime":3904.21,"endTime":3907.5699999999997,"body":"isn't so great for. But the one"},{"speaker":"Nick Lincoln","startTime":3904.21,"endTime":3907.5699999999997,"body":"thing I love city mapper for"},{"speaker":"Nick Lincoln","startTime":3907.9,"endTime":3910.45,"body":"I've traveled from Houston to"},{"speaker":"Nick Lincoln","startTime":3907.9,"endTime":3910.45,"body":"offer junction since the mid"},{"speaker":"Nick Lincoln","startTime":3910.45,"endTime":3914.71,"body":"1980s, and Euston your stand on"},{"speaker":"Nick Lincoln","startTime":3910.45,"endTime":3914.71,"body":"this great big concourse, you're"},{"speaker":"Nick Lincoln","startTime":3914.71,"endTime":3917.62,"body":"looking up at the plat the board"},{"speaker":"Nick Lincoln","startTime":3914.71,"endTime":3917.62,"body":"telling you what when you're"},{"speaker":"Nick Lincoln","startTime":3917.77,"endTime":3920.0499999999997,"body":"what platform your trains going"},{"speaker":"Nick Lincoln","startTime":3917.77,"endTime":3920.0499999999997,"body":"from don't and it's not just"},{"speaker":"Nick Lincoln","startTime":3920.0499999999997,"endTime":3922.99,"body":"about the trains about two"},{"speaker":"Nick Lincoln","startTime":3920.0499999999997,"endTime":3922.99,"body":"minutes away from Euston. They"},{"speaker":"Nick Lincoln","startTime":3922.99,"endTime":3925.5699999999997,"body":"tell you what platform you're on"},{"speaker":"Nick Lincoln","startTime":3922.99,"endTime":3925.5699999999997,"body":"and everybody on this concourse"},{"speaker":"Nick Lincoln","startTime":3925.5699999999997,"endTime":3928.27,"body":"then funnels down to get on the"},{"speaker":"Nick Lincoln","startTime":3925.5699999999997,"endTime":3928.27,"body":"train. And you know, I'm a"},{"speaker":"Nick Lincoln","startTime":3928.27,"endTime":3931.0299999999997,"body":"gentleman most ways but you get"},{"speaker":"Nick Lincoln","startTime":3928.27,"endTime":3931.0299999999997,"body":"to the you're elbowing old"},{"speaker":"Nick Lincoln","startTime":3931.0299999999997,"endTime":3933.31,"body":"ladies out the way there's a"},{"speaker":"Nick Lincoln","startTime":3931.0299999999997,"endTime":3933.31,"body":"woman with a pram, you're"},{"speaker":"Nick Lincoln","startTime":3933.31,"endTime":3935.2,"body":"kicking that over, you don't"},{"speaker":"Nick Lincoln","startTime":3933.31,"endTime":3935.2,"body":"care about the crying baby"},{"speaker":"Nick Lincoln","startTime":3935.2599999999998,"endTime":3938.14,"body":"you're elbowing to get to the"},{"speaker":"Nick Lincoln","startTime":3935.2599999999998,"endTime":3938.14,"body":"front so you get your seat with"},{"speaker":"Nick Lincoln","startTime":3938.14,"endTime":3940.81,"body":"Citymapper it tells you the"},{"speaker":"Nick Lincoln","startTime":3938.14,"endTime":3940.81,"body":"platform that the plate the"},{"speaker":"Nick Lincoln","startTime":3940.81,"endTime":3943.8399999999997,"body":"trains coming in on so you look"},{"speaker":"Nick Lincoln","startTime":3940.81,"endTime":3943.8399999999997,"body":"at that, and you just you just"},{"speaker":"Nick Lincoln","startTime":3943.8399999999997,"endTime":3946.99,"body":"sidle off and you go down the"},{"speaker":"Nick Lincoln","startTime":3943.8399999999997,"endTime":3946.99,"body":"platform and they're less useful"},{"speaker":"Nick Lincoln","startTime":3947.08,"endTime":3949.24,"body":"and there are 10 or so other"},{"speaker":"Nick Lincoln","startTime":3947.08,"endTime":3949.24,"body":"city mappers that we will look"},{"speaker":"Nick Lincoln","startTime":3949.24,"endTime":3951.16,"body":"at each other. You know, we have"},{"speaker":"Nick Lincoln","startTime":3949.24,"endTime":3951.16,"body":"this little thing. Pinch each"},{"speaker":"Nick Lincoln","startTime":3951.16,"endTime":3953.3199999999997,"body":"other's bottom. Now sometimes"},{"speaker":"Nick Lincoln","startTime":3951.16,"endTime":3953.3199999999997,"body":"that doesn't get that doesn't"},{"speaker":"Nick Lincoln","startTime":3953.3199999999997,"endTime":3955.12,"body":"always work. They're just on the"},{"speaker":"Nick Lincoln","startTime":3953.3199999999997,"endTime":3955.12,"body":"right platform for some other"},{"speaker":"Nick Lincoln","startTime":3955.12,"endTime":3957.2799999999997,"body":"reason that can have legal"},{"speaker":"Nick Lincoln","startTime":3955.12,"endTime":3957.2799999999997,"body":"ramifications. I'm not"},{"speaker":"Nick Lincoln","startTime":3957.2799999999997,"endTime":3959.65,"body":"suggesting you do that. But it's"},{"speaker":"Nick Lincoln","startTime":3957.2799999999997,"endTime":3959.65,"body":"just a brilliant way if you want"},{"speaker":"Nick Lincoln","startTime":3959.65,"endTime":3963.43,"body":"to get your seat on a train on"},{"speaker":"Nick Lincoln","startTime":3959.65,"endTime":3963.43,"body":"the right podcast Citymapper"},{"speaker":"Nick Lincoln","startTime":3963.43,"endTime":3965.5899999999997,"body":"there is a free version and a"},{"speaker":"Nick Lincoln","startTime":3963.43,"endTime":3965.5899999999997,"body":"paid version. I have the paid"},{"speaker":"Nick Lincoln","startTime":3965.5899999999997,"endTime":3968.08,"body":"version because it helps when"},{"speaker":"Nick Lincoln","startTime":3965.5899999999997,"endTime":3968.08,"body":"you walk in but that's that's my"},{"speaker":"Nick Lincoln","startTime":3968.17,"endTime":3969.2799999999997,"body":"culture corner Tip of the Week."},{"speaker":"Andy Hart","startTime":3970.21,"endTime":3973.2999999999997,"body":"Right Janice Hill,"},{"speaker":"Andy Hart","startTime":3970.21,"endTime":3973.2999999999997,"body":"right? The other cities of the"},{"speaker":"Andy Hart","startTime":3973.2999999999997,"endTime":3973.87,"body":"world"},{"speaker":"Nick Lincoln","startTime":3973.93,"endTime":3976.0,"body":"indeed it works"},{"speaker":"Nick Lincoln","startTime":3973.93,"endTime":3976.0,"body":"even even in places such as I"},{"speaker":"Nick Lincoln","startTime":3976.0,"endTime":3980.38,"body":"think It's called Birmingham. It"},{"speaker":"Nick Lincoln","startTime":3976.0,"endTime":3980.38,"body":"worked there and Bristol. I've"},{"speaker":"Nick Lincoln","startTime":3980.38,"endTime":3982.27,"body":"used it on my recent travels"},{"speaker":"Nick Lincoln","startTime":3980.38,"endTime":3982.27,"body":"it's been it's been very"},{"speaker":"Nick Lincoln","startTime":3982.27,"endTime":3986.0499999999997,"body":"enjoyable. Jen said to wrap this"},{"speaker":"Nick Lincoln","startTime":3982.27,"endTime":3986.0499999999997,"body":"up now Nicholas, Jen so I think"},{"speaker":"Nick Lincoln","startTime":3986.0499999999997,"endTime":3989.5,"body":"it is 65 minutes saying wow"},{"speaker":"Nick Lincoln","startTime":3986.0499999999997,"endTime":3989.5,"body":"that's that's almost almost"},{"speaker":"Nick Lincoln","startTime":3989.5,"endTime":3993.16,"body":"flown by. I think we've done Oh,"},{"speaker":"Nick Lincoln","startTime":3989.5,"endTime":3993.16,"body":"that was fantastic. Did TRAPPIST"},{"speaker":"Nick Lincoln","startTime":3993.16,"endTime":3995.47,"body":"thank you for persevering with"},{"speaker":"Nick Lincoln","startTime":3993.16,"endTime":3995.47,"body":"this episode I hope you got some"},{"speaker":"Nick Lincoln","startTime":3995.47,"endTime":3998.41,"body":"value from it. The next episode"},{"speaker":"Nick Lincoln","startTime":3995.47,"endTime":3998.41,"body":"we're going to focus on probably"},{"speaker":"Nick Lincoln","startTime":3998.41,"endTime":4002.1,"body":"one key subject which which Mr."},{"speaker":"Nick Lincoln","startTime":3998.41,"endTime":4002.1,"body":"Hart has raised, how other how"},{"speaker":"Nick Lincoln","startTime":4002.88,"endTime":4005.79,"body":"other professionals ifas used to"},{"speaker":"Nick Lincoln","startTime":4002.88,"endTime":4005.79,"body":"become successful so coaches,"},{"speaker":"Nick Lincoln","startTime":4005.79,"endTime":4008.31,"body":"accountants, professional"},{"speaker":"Nick Lincoln","startTime":4005.79,"endTime":4008.31,"body":"advisors, etc. What do we use to"},{"speaker":"Nick Lincoln","startTime":4008.31,"endTime":4011.7,"body":"help raise our game which will"},{"speaker":"Nick Lincoln","startTime":4008.31,"endTime":4011.7,"body":"be a good subject matter? And"},{"speaker":"Nick Lincoln","startTime":4011.7,"endTime":4014.0099999999998,"body":"then I think after that we might"},{"speaker":"Nick Lincoln","startTime":4011.7,"endTime":4014.0099999999998,"body":"have a whole episode devoted to"},{"speaker":"Nick Lincoln","startTime":4014.0099999999998,"endTime":4016.38,"body":"answering your questions because"},{"speaker":"Nick Lincoln","startTime":4014.0099999999998,"endTime":4016.38,"body":"we are aware they are backing up"},{"speaker":"Nick Lincoln","startTime":4016.38,"endTime":4019.7999999999997,"body":"in the trapeze spreadsheet. And"},{"speaker":"Nick Lincoln","startTime":4016.38,"endTime":4019.7999999999997,"body":"that might be quite good just as"},{"speaker":"Nick Lincoln","startTime":4019.7999999999997,"endTime":4022.89,"body":"just to go through a series of"},{"speaker":"Nick Lincoln","startTime":4019.7999999999997,"endTime":4022.89,"body":"those. So leave a review on"},{"speaker":"Nick Lincoln","startTime":4022.89,"endTime":4026.46,"body":"iTunes six out of five stars"},{"speaker":"Nick Lincoln","startTime":4022.89,"endTime":4026.46,"body":"like and subscribe on YouTube so"},{"speaker":"Nick Lincoln","startTime":4026.46,"endTime":4029.16,"body":"we can get to 1000 followers and"},{"speaker":"Nick Lincoln","startTime":4026.46,"endTime":4029.16,"body":"then we can just flog relentless"},{"speaker":"Nick Lincoln","startTime":4029.16,"endTime":4032.22,"body":"advertising at you. Okay, that's"},{"speaker":"Nick Lincoln","startTime":4029.16,"endTime":4032.22,"body":"called"},{"speaker":"Andy Hart","startTime":4033.48,"endTime":4036.3599999999997,"body":"a YouTube"},{"speaker":"Andy Hart","startTime":4033.48,"endTime":4036.3599999999997,"body":"millionaires we're only"},{"speaker":"Nick Lincoln","startTime":4036.39,"endTime":4039.15,"body":"we're only 878"},{"speaker":"Nick Lincoln","startTime":4036.39,"endTime":4039.15,"body":"people away from getting to that"},{"speaker":"Nick Lincoln","startTime":4039.15,"endTime":4042.33,"body":"magical 1000 So please do that."},{"speaker":"Nick Lincoln","startTime":4039.15,"endTime":4042.33,"body":"And without that, gents, I think"},{"speaker":"Nick Lincoln","startTime":4042.66,"endTime":4046.2599999999998,"body":"I love you and leave you and"},{"speaker":"Nick Lincoln","startTime":4042.66,"endTime":4046.2599999999998,"body":"we'll see you all for the next"},{"speaker":"Nick Lincoln","startTime":4046.2599999999998,"endTime":4050.2799999999997,"body":"episode of trap episode."},{"speaker":"Nick Lincoln","startTime":4046.2599999999998,"endTime":4050.2799999999997,"body":"Goodbye. The outro won't play"},{"speaker":"Nick Lincoln","startTime":4050.2799999999997,"endTime":4053.8199999999997,"body":"now. So just wait for a stony"},{"speaker":"Nick Lincoln","startTime":4050.2799999999997,"endTime":4053.8199999999997,"body":"silence. There we go out for not"},{"speaker":"Nick Lincoln","startTime":4053.8199999999997,"endTime":4056.8199999999997,"body":"playing and we'll stop recording"},{"speaker":"Nick Lincoln","startTime":4053.8199999999997,"endTime":4056.8199999999997,"body":"now"}]}