{"version":"1.0.0","segments":[{"speaker":"Unknown","startTime":7.5,"endTime":12.51,"body":"Welcome to The Real"},{"speaker":"Unknown","startTime":7.5,"endTime":12.51,"body":"advisor podcast, t r a p twerp."},{"speaker":"Unknown","startTime":12.93,"endTime":16.14,"body":"Please follow us and join in the"},{"speaker":"Unknown","startTime":12.93,"endTime":16.14,"body":"conversation on Twitter at"},{"speaker":"Unknown","startTime":16.14,"endTime":19.86,"body":"advisor podcast where you can"},{"speaker":"Unknown","startTime":16.14,"endTime":19.86,"body":"suggest ideas and themes you'd"},{"speaker":"Unknown","startTime":19.86,"endTime":23.34,"body":"like the truck team to discuss."},{"speaker":"Unknown","startTime":19.86,"endTime":23.34,"body":"Also remember to like and"},{"speaker":"Unknown","startTime":23.34,"endTime":26.97,"body":"subscribe to our YouTube channel"},{"speaker":"Unknown","startTime":23.34,"endTime":26.97,"body":"and leave a six out of five star"},{"speaker":"Unknown","startTime":26.97,"endTime":30.96,"body":"review on iTunes. Doing all this"},{"speaker":"Unknown","startTime":26.97,"endTime":30.96,"body":"really, really helps us which"},{"speaker":"Unknown","startTime":30.96,"endTime":34.41,"body":"means we can do more to help"},{"speaker":"Unknown","startTime":30.96,"endTime":34.41,"body":"you. Now let's head over to the"},{"speaker":"Unknown","startTime":34.41,"endTime":36.69,"body":"studio for the latest pile of"},{"speaker":"Unknown","startTime":34.41,"endTime":36.69,"body":"trash."},{"speaker":"Nick Lincoln","startTime":41.16,"endTime":43.47,"body":"It's indeed the"},{"speaker":"Nick Lincoln","startTime":41.16,"endTime":43.47,"body":"attackers. Welcome back to the"},{"speaker":"Nick Lincoln","startTime":43.47,"endTime":47.64,"body":"latest pile of trap. My name is"},{"speaker":"Nick Lincoln","startTime":43.47,"endTime":47.64,"body":"Nick Lincoln and joining me in"},{"speaker":"Nick Lincoln","startTime":47.64,"endTime":50.07,"body":"the studio of doom as ever are"},{"speaker":"Nick Lincoln","startTime":47.64,"endTime":50.07,"body":"the three other Horsemen of the"},{"speaker":"Nick Lincoln","startTime":50.07,"endTime":56.88,"body":"Apocalypse. The trap back"},{"speaker":"Nick Lincoln","startTime":50.07,"endTime":56.88,"body":"Khawaja out and smoke and Andy"},{"speaker":"Nick Lincoln","startTime":56.88,"endTime":60.54,"body":"Hart Now gentlemen, we have a"},{"speaker":"Nick Lincoln","startTime":56.88,"endTime":60.54,"body":"show full of absolutely nothing."},{"speaker":"Nick Lincoln","startTime":60.54,"endTime":64.8,"body":"So let's start unpacking it"},{"speaker":"Nick Lincoln","startTime":60.54,"endTime":64.8,"body":"immediately. We had a we had a"},{"speaker":"Nick Lincoln","startTime":64.8,"endTime":68.37,"body":"trap summit last week in in"},{"speaker":"Nick Lincoln","startTime":64.8,"endTime":68.37,"body":"London at a gastropub on the"},{"speaker":"Nick Lincoln","startTime":68.37,"endTime":71.52,"body":"edge of Regent's Park, the four"},{"speaker":"Nick Lincoln","startTime":68.37,"endTime":71.52,"body":"of us and about eight other"},{"speaker":"Nick Lincoln","startTime":71.52,"endTime":74.1,"body":"people 12 top people from the"},{"speaker":"Nick Lincoln","startTime":71.52,"endTime":74.1,"body":"Financial Services profession."},{"speaker":"Nick Lincoln","startTime":74.73,"endTime":79.59,"body":"It was a very good day. Lots of"},{"speaker":"Nick Lincoln","startTime":74.73,"endTime":79.59,"body":"very good CPD material. very"},{"speaker":"Nick Lincoln","startTime":79.59,"endTime":82.62,"body":"constructive. I came out of it."},{"speaker":"Nick Lincoln","startTime":79.59,"endTime":82.62,"body":"I felt a better rounded person."},{"speaker":"Nick Lincoln","startTime":82.89,"endTime":85.92,"body":"Carl, what are your views on on"},{"speaker":"Nick Lincoln","startTime":82.89,"endTime":85.92,"body":"our day in North London?"},{"speaker":"Carl Widger","startTime":87.96,"endTime":89.61,"body":"I definitely come"},{"speaker":"Carl Widger","startTime":87.96,"endTime":89.61,"body":"out a little more rounded"},{"speaker":"Carl Widger","startTime":89.61,"endTime":94.77,"body":"person, that's for sure. And I"},{"speaker":"Carl Widger","startTime":89.61,"endTime":94.77,"body":"have to apologize that I left"},{"speaker":"Carl Widger","startTime":94.77,"endTime":99.3,"body":"all my trap swag in Ireland"},{"speaker":"Carl Widger","startTime":94.77,"endTime":99.3,"body":"Smith's apartment. That's all I"},{"speaker":"Carl Widger","startTime":99.3,"endTime":100.59,"body":"have to say about that event."},{"speaker":"Nick Lincoln","startTime":101.52,"endTime":103.83,"body":"Mr. Smith your"},{"speaker":"Nick Lincoln","startTime":101.52,"endTime":103.83,"body":"microphone is is muted fella."},{"speaker":"Alan Smith","startTime":106.47,"endTime":109.44,"body":"Amateurs here. You"},{"speaker":"Alan Smith","startTime":106.47,"endTime":109.44,"body":"told me everything. Thank you"},{"speaker":"Alan Smith","startTime":109.44,"endTime":115.86,"body":"very much Nick dick. I'm a"},{"speaker":"Alan Smith","startTime":109.44,"endTime":115.86,"body":"student in in trap swag. I've"},{"speaker":"Alan Smith","startTime":115.86,"endTime":121.11,"body":"got more hats than ribbon in"},{"speaker":"Alan Smith","startTime":115.86,"endTime":121.11,"body":"trap than a hat shop. Yeah. Oh"},{"speaker":"Alan Smith","startTime":121.11,"endTime":124.44,"body":"this one not not not to forget"},{"speaker":"Alan Smith","startTime":121.11,"endTime":124.44,"body":"this. What we discussed last"},{"speaker":"Alan Smith","startTime":124.47,"endTime":127.23,"body":"time. Let me know what it is."},{"speaker":"Alan Smith","startTime":124.47,"endTime":127.23,"body":"All right, sorry. Again."},{"speaker":"Nick Lincoln","startTime":127.259,"endTime":129.059,"body":"Again for the"},{"speaker":"Nick Lincoln","startTime":127.259,"endTime":129.059,"body":"listener we're with oh yeah,"},{"speaker":"Nick Lincoln","startTime":129.119,"endTime":131.069,"body":"this is great, great audio"},{"speaker":"Nick Lincoln","startTime":129.119,"endTime":131.069,"body":"stuff. We were showing the"},{"speaker":"Nick Lincoln","startTime":131.069,"endTime":133.799,"body":"fantastically high quality"},{"speaker":"Nick Lincoln","startTime":131.069,"endTime":133.799,"body":"plaques that I got for the for"},{"speaker":"Nick Lincoln","startTime":133.799,"endTime":136.289,"body":"the trap pack which have got me"},{"speaker":"Nick Lincoln","startTime":133.799,"endTime":136.289,"body":"nothing but grief as have the"},{"speaker":"Nick Lincoln","startTime":136.289,"endTime":137.429,"body":"basement have also gotten"},{"speaker":"Alan Smith","startTime":137.67,"endTime":139.56,"body":"the mug. The mug is"},{"speaker":"Alan Smith","startTime":137.67,"endTime":139.56,"body":"good though. To be fair, it"},{"speaker":"Alan Smith","startTime":139.56,"endTime":142.08,"body":"looks nice. That looks like you"},{"speaker":"Alan Smith","startTime":139.56,"endTime":142.08,"body":"have a competition. For the"},{"speaker":"Alan Smith","startTime":142.08,"endTime":146.04,"body":"TRAPPIST listeners you can win"},{"speaker":"Alan Smith","startTime":142.08,"endTime":146.04,"body":"your own trap mug or hat"},{"speaker":"Alan Smith","startTime":146.22,"endTime":148.14,"body":"actually that the hats they"},{"speaker":"Alan Smith","startTime":146.22,"endTime":148.14,"body":"could do."},{"speaker":"Carl Widger","startTime":148.47,"endTime":151.38,"body":"The Jews were"},{"speaker":"Carl Widger","startTime":148.47,"endTime":151.38,"body":"trying to gain listeners if at"},{"speaker":"Carl Widger","startTime":151.38,"endTime":151.77,"body":"all."},{"speaker":"Nick Lincoln","startTime":153.63,"endTime":156.84,"body":"So the World Cup"},{"speaker":"Nick Lincoln","startTime":153.63,"endTime":156.84,"body":"is progressing on and England"},{"speaker":"Nick Lincoln","startTime":156.84,"endTime":160.29,"body":"have beaten Senegal Haven't"},{"speaker":"Nick Lincoln","startTime":156.84,"endTime":160.29,"body":"they? So they're facing. This is"},{"speaker":"Nick Lincoln","startTime":160.29,"endTime":162.36,"body":"where the depth of my knowledge"},{"speaker":"Nick Lincoln","startTime":160.29,"endTime":162.36,"body":"runs out. They're facing France"},{"speaker":"Nick Lincoln","startTime":162.36,"endTime":165.57,"body":"or Holland next week. France,"},{"speaker":"Nick Lincoln","startTime":162.36,"endTime":165.57,"body":"France, France on Saturday night"},{"speaker":"Nick Lincoln","startTime":165.57,"endTime":166.02,"body":"I believe."},{"speaker":"Andy Hart","startTime":166.35,"endTime":168.09,"body":"France tomorrow"},{"speaker":"Andy Hart","startTime":166.35,"endTime":168.09,"body":"night. Yeah. Tomorrow night"},{"speaker":"Andy Hart","startTime":168.09,"endTime":168.54,"body":"France."},{"speaker":"Nick Lincoln","startTime":169.8,"endTime":172.26,"body":"But England and"},{"speaker":"Nick Lincoln","startTime":169.8,"endTime":172.26,"body":"France tomorrow. By the time"},{"speaker":"Nick Lincoln","startTime":172.26,"endTime":172.74,"body":"this goes out."},{"speaker":"Andy Hart","startTime":172.74,"endTime":174.24,"body":"This show goes out on"},{"speaker":"Andy Hart","startTime":172.74,"endTime":174.24,"body":"Friday, Nick."},{"speaker":"Nick Lincoln","startTime":176.49,"endTime":177.93,"body":"Thank you, Andy."},{"speaker":"Nick Lincoln","startTime":176.49,"endTime":177.93,"body":"For midday. That is completely"},{"speaker":"Nick Lincoln","startTime":177.93,"endTime":180.24,"body":"useless interjection which"},{"speaker":"Nick Lincoln","startTime":177.93,"endTime":180.24,"body":"didn't help anybody. So let's"},{"speaker":"Nick Lincoln","startTime":180.24,"endTime":185.19,"body":"crack on. topical stuff, a point"},{"speaker":"Nick Lincoln","startTime":180.24,"endTime":185.19,"body":"you made last week and the FH"},{"speaker":"Nick Lincoln","startTime":185.19,"endTime":187.92,"body":"last last episode you made this"},{"speaker":"Nick Lincoln","startTime":185.19,"endTime":187.92,"body":"interjection which caused quite"},{"speaker":"Nick Lincoln","startTime":187.92,"endTime":189.75,"body":"a bit of grief behind the"},{"speaker":"Nick Lincoln","startTime":187.92,"endTime":189.75,"body":"scenes. Do you want to talk"},{"speaker":"Nick Lincoln","startTime":189.75,"endTime":190.89,"body":"about DIY investors?"},{"speaker":"Andy Hart","startTime":191.82,"endTime":194.85,"body":"Yes, so following on"},{"speaker":"Andy Hart","startTime":191.82,"endTime":194.85,"body":"from a presenter at my"},{"speaker":"Andy Hart","startTime":194.85,"endTime":198.48,"body":"conference, where he said on"},{"speaker":"Andy Hart","startTime":194.85,"endTime":198.48,"body":"stage in front of 300 financial"},{"speaker":"Andy Hart","startTime":198.48,"endTime":201.99,"body":"advisors that on average DIY"},{"speaker":"Andy Hart","startTime":198.48,"endTime":201.99,"body":"clients end up with better"},{"speaker":"Andy Hart","startTime":201.99,"endTime":205.53,"body":"investment returns than advise"},{"speaker":"Andy Hart","startTime":201.99,"endTime":205.53,"body":"clients. And this is something"},{"speaker":"Andy Hart","startTime":205.53,"endTime":210.09,"body":"that I've always thought to be"},{"speaker":"Andy Hart","startTime":205.53,"endTime":210.09,"body":"the case. So I thought I'd just"},{"speaker":"Andy Hart","startTime":210.18,"endTime":213.27,"body":"unpack it a little bit now just"},{"speaker":"Andy Hart","startTime":210.18,"endTime":213.27,"body":"to sort of clarify it. So"},{"speaker":"Andy Hart","startTime":213.27,"endTime":216.93,"body":"there's DIY investors, people"},{"speaker":"Andy Hart","startTime":213.27,"endTime":216.93,"body":"that just go into a investment"},{"speaker":"Andy Hart","startTime":216.93,"endTime":219.9,"body":"platform and just pick some"},{"speaker":"Andy Hart","startTime":216.93,"endTime":219.9,"body":"random funds. There's advised"},{"speaker":"Andy Hart","startTime":219.9,"endTime":222.54,"body":"clients that get a financial"},{"speaker":"Andy Hart","startTime":219.9,"endTime":222.54,"body":"advisor in their life and build"},{"speaker":"Andy Hart","startTime":222.54,"endTime":224.82,"body":"them a portfolio and then I'd"},{"speaker":"Andy Hart","startTime":222.54,"endTime":224.82,"body":"say there's a third option, you"},{"speaker":"Andy Hart","startTime":224.82,"endTime":228.42,"body":"know, behavioral financial"},{"speaker":"Andy Hart","startTime":224.82,"endTime":228.42,"body":"advice clients, literally the"},{"speaker":"Andy Hart","startTime":228.42,"endTime":230.97,"body":"clients of our firms that get"},{"speaker":"Andy Hart","startTime":228.42,"endTime":230.97,"body":"told the truth about money,"},{"speaker":"Andy Hart","startTime":230.97,"endTime":233.88,"body":"which is slightly different. So"},{"speaker":"Andy Hart","startTime":230.97,"endTime":233.88,"body":"I just unpack the first ones,"},{"speaker":"Andy Hart","startTime":233.91,"endTime":237.06,"body":"the DIY investor, it's usually"},{"speaker":"Andy Hart","startTime":233.91,"endTime":237.06,"body":"smaller accounts, usually"},{"speaker":"Andy Hart","startTime":237.06,"endTime":239.1,"body":"younger people, they're just"},{"speaker":"Andy Hart","startTime":237.06,"endTime":239.1,"body":"getting started out, they don't"},{"speaker":"Andy Hart","startTime":239.1,"endTime":243.24,"body":"really have any expensive money"},{"speaker":"Andy Hart","startTime":239.1,"endTime":243.24,"body":"questions. And they literally"},{"speaker":"Andy Hart","startTime":243.24,"endTime":246.6,"body":"just throw some darts at the"},{"speaker":"Andy Hart","startTime":243.24,"endTime":246.6,"body":"board that's got some various"},{"speaker":"Andy Hart","startTime":246.6,"endTime":249.99,"body":"investment funds, usually equity"},{"speaker":"Andy Hart","startTime":246.6,"endTime":249.99,"body":"funds, even individual shares."},{"speaker":"Andy Hart","startTime":250.38,"endTime":253.08,"body":"So the portfolios are not very"},{"speaker":"Andy Hart","startTime":250.38,"endTime":253.08,"body":"appropriate, let's say but"},{"speaker":"Andy Hart","startTime":253.08,"endTime":256.56,"body":"anyway, they do okay over time,"},{"speaker":"Andy Hart","startTime":253.08,"endTime":256.56,"body":"just because they've thrown some"},{"speaker":"Andy Hart","startTime":256.56,"endTime":259.44,"body":"darts at some equity funds and"},{"speaker":"Andy Hart","startTime":256.56,"endTime":259.44,"body":"then just hopefully have stuck"},{"speaker":"Andy Hart","startTime":259.44,"endTime":262.14,"body":"to it which is which is the"},{"speaker":"Andy Hart","startTime":259.44,"endTime":262.14,"body":"challenge and then there's the"},{"speaker":"Andy Hart","startTime":262.14,"endTime":265.98,"body":"advice client that goes to see a"},{"speaker":"Andy Hart","startTime":262.14,"endTime":265.98,"body":"financial advisors very"},{"speaker":"Andy Hart","startTime":265.98,"endTime":269.04,"body":"qualified financial adviser gets"},{"speaker":"Andy Hart","startTime":265.98,"endTime":269.04,"body":"the individual to fill in a"},{"speaker":"Andy Hart","startTime":269.04,"endTime":271.95,"body":"misconception mirror, that"},{"speaker":"Andy Hart","startTime":269.04,"endTime":271.95,"body":"nickels a mumbo jumbo"},{"speaker":"Andy Hart","startTime":271.95,"endTime":274.77,"body":"questionnaire and they end up"},{"speaker":"Andy Hart","startTime":271.95,"endTime":274.77,"body":"with a portfolio of a multi"},{"speaker":"Andy Hart","startTime":274.77,"endTime":277.77,"body":"asset mess, you know, multi"},{"speaker":"Andy Hart","startTime":274.77,"endTime":277.77,"body":"asset it's easy to sell because"},{"speaker":"Andy Hart","startTime":277.77,"endTime":281.07,"body":"it's you know, portrayed as it"},{"speaker":"Andy Hart","startTime":277.77,"endTime":281.07,"body":"being well diversified. It is"},{"speaker":"Andy Hart","startTime":281.07,"endTime":284.34,"body":"well diversified, but it's in"},{"speaker":"Andy Hart","startTime":281.07,"endTime":284.34,"body":"the wrong assets. So it's almost"},{"speaker":"Andy Hart","startTime":284.34,"endTime":286.83,"body":"a non starter from my world. So"},{"speaker":"Andy Hart","startTime":284.34,"endTime":286.83,"body":"they end up with a portfolio,"},{"speaker":"Andy Hart","startTime":287.01,"endTime":290.79,"body":"you know, got a shedload of"},{"speaker":"Andy Hart","startTime":287.01,"endTime":290.79,"body":"bonds fixed income in it. So"},{"speaker":"Andy Hart","startTime":290.79,"endTime":295.17,"body":"long term. It's arguable that"},{"speaker":"Andy Hart","startTime":290.79,"endTime":295.17,"body":"the DIY investor will beat that"},{"speaker":"Andy Hart","startTime":295.17,"endTime":298.35,"body":"portfolio from a purely"},{"speaker":"Andy Hart","startTime":295.17,"endTime":298.35,"body":"investing point of view. The"},{"speaker":"Andy Hart","startTime":298.35,"endTime":301.02,"body":"third option is going to see"},{"speaker":"Andy Hart","startTime":298.35,"endTime":301.02,"body":"someone like ourselves the"},{"speaker":"Andy Hart","startTime":301.02,"endTime":305.28,"body":"firm's that we run predominantly"},{"speaker":"Andy Hart","startTime":301.02,"endTime":305.28,"body":"behavioral global equity firms,"},{"speaker":"Andy Hart","startTime":305.73,"endTime":308.07,"body":"you know, where the financial"},{"speaker":"Andy Hart","startTime":305.73,"endTime":308.07,"body":"advisory is focused, and"},{"speaker":"Andy Hart","startTime":308.07,"endTime":310.17,"body":"obviously building the financial"},{"speaker":"Andy Hart","startTime":308.07,"endTime":310.17,"body":"plan, ensuring that the client"},{"speaker":"Andy Hart","startTime":310.17,"endTime":312.81,"body":"doesn't make any mistakes, you"},{"speaker":"Andy Hart","startTime":310.17,"endTime":312.81,"body":"know, we're in their corner,"},{"speaker":"Andy Hart","startTime":312.84,"endTime":314.88,"body":"when they become a client of"},{"speaker":"Andy Hart","startTime":312.84,"endTime":314.88,"body":"ours, we say you never gonna"},{"speaker":"Andy Hart","startTime":315.06,"endTime":318.96,"body":"make another financial mistake."},{"speaker":"Andy Hart","startTime":315.06,"endTime":318.96,"body":"Again, we build a portfolio"},{"speaker":"Andy Hart","startTime":318.96,"endTime":321.81,"body":"that's predominantly got global"},{"speaker":"Andy Hart","startTime":318.96,"endTime":321.81,"body":"equities in it, which we know is"},{"speaker":"Andy Hart","startTime":321.81,"endTime":325.56,"body":"the real wealth creation engine"},{"speaker":"Andy Hart","startTime":321.81,"endTime":325.56,"body":"long term. And we try and create"},{"speaker":"Andy Hart","startTime":325.56,"endTime":329.16,"body":"a portfolio that the clients got"},{"speaker":"Andy Hart","startTime":325.56,"endTime":329.16,"body":"as the maximum exposure to"},{"speaker":"Andy Hart","startTime":329.16,"endTime":331.74,"body":"global equities that they can"},{"speaker":"Andy Hart","startTime":329.16,"endTime":331.74,"body":"stick with in terms of the"},{"speaker":"Andy Hart","startTime":331.74,"endTime":336.3,"body":"volatility and the fluctuation"},{"speaker":"Andy Hart","startTime":331.74,"endTime":336.3,"body":"in price. And that's the third"},{"speaker":"Andy Hart","startTime":336.3,"endTime":339.15,"body":"option. And as I say, the best"},{"speaker":"Andy Hart","startTime":336.3,"endTime":339.15,"body":"portfolio the client that has is"},{"speaker":"Andy Hart","startTime":339.15,"endTime":342.09,"body":"the one that they stick to, and"},{"speaker":"Andy Hart","startTime":339.15,"endTime":342.09,"body":"this can change, you know, I've"},{"speaker":"Andy Hart","startTime":342.09,"endTime":345.42,"body":"got clients now that a 90% 100%"},{"speaker":"Andy Hart","startTime":342.09,"endTime":345.42,"body":"global equities, but when I"},{"speaker":"Andy Hart","startTime":345.42,"endTime":348.93,"body":"first took them on many moons"},{"speaker":"Andy Hart","startTime":345.42,"endTime":348.93,"body":"ago, they were 50% global"},{"speaker":"Andy Hart","startTime":348.93,"endTime":352.26,"body":"equities, 60% global equities,"},{"speaker":"Andy Hart","startTime":348.93,"endTime":352.26,"body":"and then they become calmer as"},{"speaker":"Andy Hart","startTime":352.26,"endTime":355.5,"body":"this as the as a stuck with that"},{"speaker":"Andy Hart","startTime":352.26,"endTime":355.5,"body":"portfolio not made the mistakes"},{"speaker":"Andy Hart","startTime":355.5,"endTime":357.93,"body":"along the way. And then we"},{"speaker":"Andy Hart","startTime":355.5,"endTime":357.93,"body":"nudged them up over time."},{"speaker":"Andy Hart","startTime":358.86,"endTime":362.22,"body":"Because that's, that's where we"},{"speaker":"Andy Hart","startTime":358.86,"endTime":362.22,"body":"know the returns come from. So"},{"speaker":"Andy Hart","startTime":362.73,"endTime":365.1,"body":"there's three options, there's"},{"speaker":"Andy Hart","startTime":362.73,"endTime":365.1,"body":"the DIY client, slightly"},{"speaker":"Andy Hart","startTime":365.1,"endTime":368.22,"body":"younger, throw some darts at the"},{"speaker":"Andy Hart","startTime":365.1,"endTime":368.22,"body":"board, there's the advised"},{"speaker":"Andy Hart","startTime":368.22,"endTime":371.52,"body":"client that gets multi asset"},{"speaker":"Andy Hart","startTime":368.22,"endTime":371.52,"body":"portfolio, because that's the"},{"speaker":"Andy Hart","startTime":371.52,"endTime":374.04,"body":"correct thing to do, according"},{"speaker":"Andy Hart","startTime":371.52,"endTime":374.04,"body":"to the current, you know,"},{"speaker":"Andy Hart","startTime":374.04,"endTime":377.25,"body":"financial investing dogma. And"},{"speaker":"Andy Hart","startTime":374.04,"endTime":377.25,"body":"then there's the third option"},{"speaker":"Andy Hart","startTime":377.55,"endTime":381.42,"body":"clients of our firms and many"},{"speaker":"Andy Hart","startTime":377.55,"endTime":381.42,"body":"other firms out there that have"},{"speaker":"Andy Hart","startTime":381.42,"endTime":384.66,"body":"sort of tried to unpack that"},{"speaker":"Andy Hart","startTime":381.42,"endTime":384.66,"body":"whether real returns come from,"},{"speaker":"Andy Hart","startTime":385.11,"endTime":388.35,"body":"and that's it, really. So I just"},{"speaker":"Andy Hart","startTime":385.11,"endTime":388.35,"body":"thought I'd unpack that over to"},{"speaker":"Andy Hart","startTime":388.35,"endTime":388.68,"body":"Carl."},{"speaker":"Carl Widger","startTime":390.18,"endTime":394.68,"body":"Yeah, so I'll be"},{"speaker":"Carl Widger","startTime":390.18,"endTime":394.68,"body":"bold enough to say that I was"},{"speaker":"Carl Widger","startTime":394.68,"endTime":396.9,"body":"doing that through the choice"},{"speaker":"Carl Widger","startTime":394.68,"endTime":396.9,"body":"out of the Paramus Mall. But"},{"speaker":"Carl Widger","startTime":396.93,"endTime":399.69,"body":"over that last comment, and then"},{"speaker":"Carl Widger","startTime":396.93,"endTime":399.69,"body":"we had a big argument in Trump."},{"speaker":"Carl Widger","startTime":399.69,"endTime":402.66,"body":"But look, that's the beauty, I"},{"speaker":"Carl Widger","startTime":399.69,"endTime":402.66,"body":"suppose of this, this foursome"},{"speaker":"Carl Widger","startTime":402.66,"endTime":405.3,"body":"in that, you know, we do push"},{"speaker":"Carl Widger","startTime":402.66,"endTime":405.3,"body":"back on each other sometimes,"},{"speaker":"Carl Widger","startTime":405.9,"endTime":408.18,"body":"just to pick up on one or two"},{"speaker":"Carl Widger","startTime":405.9,"endTime":408.18,"body":"things that you said there."},{"speaker":"Carl Widger","startTime":408.18,"endTime":412.17,"body":"Look, I thanks for the"},{"speaker":"Carl Widger","startTime":408.18,"endTime":412.17,"body":"clarification. First of all, I'm"},{"speaker":"Carl Widger","startTime":412.17,"endTime":417.45,"body":"not sure you're being entirely"},{"speaker":"Carl Widger","startTime":412.17,"endTime":417.45,"body":"fair, though, here. And I think"},{"speaker":"Carl Widger","startTime":417.48,"endTime":422.7,"body":"saying that a multi asset and"},{"speaker":"Carl Widger","startTime":417.48,"endTime":422.7,"body":"advised client who goes into a"},{"speaker":"Carl Widger","startTime":422.7,"endTime":426.12,"body":"multi Asset Fund, typically, the"},{"speaker":"Carl Widger","startTime":422.7,"endTime":426.12,"body":"multi asset funds are equities"},{"speaker":"Carl Widger","startTime":426.12,"endTime":426.81,"body":"and bonds."},{"speaker":"Andy Hart","startTime":427.17,"endTime":429.51,"body":"No, no, I think the"},{"speaker":"Andy Hart","startTime":427.17,"endTime":429.51,"body":"default loads of other stuff,"},{"speaker":"Andy Hart","startTime":429.54,"endTime":432.78,"body":"private equity, commodities,"},{"speaker":"Andy Hart","startTime":429.54,"endTime":432.78,"body":"loads of stuff."},{"speaker":"Carl Widger","startTime":433.71,"endTime":436.11,"body":"Well, the multi"},{"speaker":"Carl Widger","startTime":433.71,"endTime":436.11,"body":"asset funds that I've seen,"},{"speaker":"Carl Widger","startTime":436.11,"endTime":439.14,"body":"right, that's, that's, I"},{"speaker":"Carl Widger","startTime":436.11,"endTime":439.14,"body":"suppose, inverted commas,"},{"speaker":"Carl Widger","startTime":439.14,"endTime":441.84,"body":"diversified investing, where"},{"speaker":"Carl Widger","startTime":439.14,"endTime":441.84,"body":"you've got like private equity,"},{"speaker":"Carl Widger","startTime":441.84,"endTime":444.63,"body":"but I haven't seen private"},{"speaker":"Carl Widger","startTime":441.84,"endTime":444.63,"body":"equity in many multi asset"},{"speaker":"Carl Widger","startTime":444.63,"endTime":445.11,"body":"funds."},{"speaker":"Andy Hart","startTime":445.32,"endTime":447.0,"body":"But anyway, there's"},{"speaker":"Andy Hart","startTime":445.32,"endTime":447.0,"body":"loads and loads of stuff that"},{"speaker":"Andy Hart","startTime":447.0,"endTime":447.69,"body":"turns off in them."},{"speaker":"Carl Widger","startTime":449.01,"endTime":452.04,"body":"Okay, well, just"},{"speaker":"Carl Widger","startTime":449.01,"endTime":452.04,"body":"bear with me. And if you don't"},{"speaker":"Carl Widger","startTime":452.04,"endTime":455.82,"body":"mind, let me make the point. I"},{"speaker":"Carl Widger","startTime":452.04,"endTime":455.82,"body":"think the difficulty array"},{"speaker":"Carl Widger","startTime":455.85,"endTime":459.09,"body":"arises where people add"},{"speaker":"Carl Widger","startTime":455.85,"endTime":459.09,"body":"complexity. So that's adding the"},{"speaker":"Carl Widger","startTime":459.09,"endTime":463.53,"body":"likes of commodities and private"},{"speaker":"Carl Widger","startTime":459.09,"endTime":463.53,"body":"equity. I don't think they're"},{"speaker":"Carl Widger","startTime":463.53,"endTime":467.43,"body":"fit for purpose for the average"},{"speaker":"Carl Widger","startTime":463.53,"endTime":467.43,"body":"investor. And I think most of"},{"speaker":"Carl Widger","startTime":467.43,"endTime":474.21,"body":"the difficulty, in fact, arises"},{"speaker":"Carl Widger","startTime":467.43,"endTime":474.21,"body":"when financial advisors start"},{"speaker":"Carl Widger","startTime":474.21,"endTime":480.54,"body":"making changes to portfolios"},{"speaker":"Carl Widger","startTime":474.21,"endTime":480.54,"body":"along the way, in reaction to"},{"speaker":"Carl Widger","startTime":480.57,"endTime":483.96,"body":"what might be happening in"},{"speaker":"Carl Widger","startTime":480.57,"endTime":483.96,"body":"markets. And we all know that"},{"speaker":"Carl Widger","startTime":483.99,"endTime":489.81,"body":"the best solutions and outcomes"},{"speaker":"Carl Widger","startTime":483.99,"endTime":489.81,"body":"for our clients are to invest in"},{"speaker":"Carl Widger","startTime":489.81,"endTime":493.38,"body":"something that's fit for purpose"},{"speaker":"Carl Widger","startTime":489.81,"endTime":493.38,"body":"at the outset. And just keep the"},{"speaker":"Carl Widger","startTime":493.38,"endTime":499.11,"body":"client in their seats then going"},{"speaker":"Carl Widger","startTime":493.38,"endTime":499.11,"body":"forward. So my understanding"},{"speaker":"Carl Widger","startTime":499.14,"endTime":503.76,"body":"certainly of multi asset here in"},{"speaker":"Carl Widger","startTime":499.14,"endTime":503.76,"body":"Ireland would be most of the"},{"speaker":"Carl Widger","startTime":503.76,"endTime":507.9,"body":"vast majority of the multi asset"},{"speaker":"Carl Widger","startTime":503.76,"endTime":507.9,"body":"funds have equities and bonds,"},{"speaker":"Carl Widger","startTime":507.9,"endTime":511.05,"body":"yes, some of them may have"},{"speaker":"Carl Widger","startTime":507.9,"endTime":511.05,"body":"absolute return funds, which are"},{"speaker":"Carl Widger","startTime":511.05,"endTime":514.17,"body":"absolutely not, some have"},{"speaker":"Carl Widger","startTime":511.05,"endTime":514.17,"body":"property, which I don't think is"},{"speaker":"Carl Widger","startTime":514.17,"endTime":519.78,"body":"fit for purpose in a in a"},{"speaker":"Carl Widger","startTime":514.17,"endTime":519.78,"body":"diversified portfolio. And that"},{"speaker":"Carl Widger","startTime":519.84,"endTime":524.97,"body":"equally increased costs that's"},{"speaker":"Carl Widger","startTime":519.84,"endTime":524.97,"body":"not required. So I just think,"},{"speaker":"Carl Widger","startTime":524.97,"endTime":528.21,"body":"you know, investing in in, you"},{"speaker":"Carl Widger","startTime":524.97,"endTime":528.21,"body":"know, equities and bonds, it's"},{"speaker":"Carl Widger","startTime":528.21,"endTime":531.87,"body":"appropriate for your client, the"},{"speaker":"Carl Widger","startTime":528.21,"endTime":531.87,"body":"vast majority of it in equities,"},{"speaker":"Carl Widger","startTime":531.9,"endTime":535.08,"body":"that's where the solution is."},{"speaker":"Carl Widger","startTime":531.9,"endTime":535.08,"body":"Totally, totally. Look, I"},{"speaker":"Carl Widger","startTime":535.08,"endTime":538.41,"body":"appreciate the clarification."},{"speaker":"Carl Widger","startTime":535.08,"endTime":538.41,"body":"But yeah, that's that's a that's"},{"speaker":"Andy Hart","startTime":539.34,"endTime":541.65,"body":"just a final point on"},{"speaker":"Andy Hart","startTime":539.34,"endTime":541.65,"body":"that you diversify within the"},{"speaker":"Andy Hart","startTime":541.65,"endTime":545.76,"body":"right asset class. So you have"},{"speaker":"Andy Hart","startTime":541.65,"endTime":545.76,"body":"1000s of companies in the in the"},{"speaker":"Andy Hart","startTime":545.76,"endTime":548.07,"body":"in the global equity element,"},{"speaker":"Andy Hart","startTime":545.76,"endTime":548.07,"body":"and you have 1000s of companies"},{"speaker":"Andy Hart","startTime":548.07,"endTime":550.53,"body":"in the bond element. Yeah, a"},{"speaker":"Andy Hart","startTime":548.07,"endTime":550.53,"body":"split between global equities"},{"speaker":"Andy Hart","startTime":550.53,"endTime":552.57,"body":"and global bonds, well"},{"speaker":"Andy Hart","startTime":550.53,"endTime":552.57,"body":"diversified. That's a great"},{"speaker":"Andy Hart","startTime":552.57,"endTime":553.17,"body":"portfolio."},{"speaker":"Carl Widger","startTime":553.8,"endTime":556.53,"body":"But all the all the"},{"speaker":"Carl Widger","startTime":553.8,"endTime":556.53,"body":"other Gamson dimensional world"},{"speaker":"Carl Widger","startTime":556.53,"endTime":557.55,"body":"allocation funds does,"},{"speaker":"Andy Hart","startTime":557.55,"endTime":560.43,"body":"which is many, many"},{"speaker":"Andy Hart","startTime":557.55,"endTime":560.43,"body":"funds, but there are multi asset"},{"speaker":"Andy Hart","startTime":560.43,"endTime":563.4,"body":"funds that have eight different"},{"speaker":"Andy Hart","startTime":560.43,"endTime":563.4,"body":"asset classes in them and a"},{"speaker":"Andy Hart","startTime":563.4,"endTime":565.62,"body":"whole load of mess that I don't"},{"speaker":"Andy Hart","startTime":563.4,"endTime":565.62,"body":"want my clients getting anywhere"},{"speaker":"Andy Hart","startTime":565.62,"endTime":567.84,"body":"near but the split between"},{"speaker":"Andy Hart","startTime":565.62,"endTime":567.84,"body":"equities and bonds big fan."},{"speaker":"Alan Smith","startTime":599.17,"endTime":603.25,"body":"I think you're both"},{"speaker":"Alan Smith","startTime":599.17,"endTime":603.25,"body":"right. In this. I have come"},{"speaker":"Alan Smith","startTime":603.25,"endTime":606.2199999999999,"body":"across I mean, I agree with your"},{"speaker":"Alan Smith","startTime":603.25,"endTime":606.2199999999999,"body":"car, a diversified portfolio"},{"speaker":"Alan Smith","startTime":606.2199999999999,"endTime":610.51,"body":"should you know there are simple"},{"speaker":"Alan Smith","startTime":606.2199999999999,"endTime":610.51,"body":"asset classes that we should all"},{"speaker":"Alan Smith","startTime":610.78,"endTime":615.01,"body":"be aware of and news from time"},{"speaker":"Alan Smith","startTime":610.78,"endTime":615.01,"body":"to time. And I don't Well, I do"},{"speaker":"Alan Smith","startTime":615.01,"endTime":617.5899999999999,"body":"know what it is. There's a love"},{"speaker":"Alan Smith","startTime":615.01,"endTime":617.5899999999999,"body":"of complexity when we come"},{"speaker":"Alan Smith","startTime":617.5899999999999,"endTime":621.67,"body":"across clients and don't want to"},{"speaker":"Alan Smith","startTime":617.5899999999999,"endTime":621.67,"body":"be to sort of direct or"},{"speaker":"Alan Smith","startTime":621.67,"endTime":625.54,"body":"opinionated too much early on in"},{"speaker":"Alan Smith","startTime":621.67,"endTime":625.54,"body":"this conversation, particularly"},{"speaker":"Alan Smith","startTime":625.54,"endTime":630.01,"body":"they are they come from the UK,"},{"speaker":"Alan Smith","startTime":625.54,"endTime":630.01,"body":"you know the world of the day"},{"speaker":"Alan Smith","startTime":630.04,"endTime":633.88,"body":"discretionary Portfolio Manager,"},{"speaker":"Alan Smith","startTime":630.04,"endTime":633.88,"body":"fund manager, whatever you want"},{"speaker":"Alan Smith","startTime":633.88,"endTime":639.13,"body":"to call them. And this seems to"},{"speaker":"Alan Smith","startTime":633.88,"endTime":639.13,"body":"be we don't know, the power of a"},{"speaker":"Alan Smith","startTime":639.13,"endTime":644.89,"body":"dark side. The most of these"},{"speaker":"Alan Smith","startTime":639.13,"endTime":644.89,"body":"people are the ones I've met a"},{"speaker":"Alan Smith","startTime":644.89,"endTime":648.1899999999999,"body":"very nice, honorable,"},{"speaker":"Alan Smith","startTime":644.89,"endTime":648.1899999999999,"body":"intelligent, well intentioned,"},{"speaker":"Alan Smith","startTime":648.1899999999999,"endTime":652.39,"body":"but they have a love of"},{"speaker":"Alan Smith","startTime":648.1899999999999,"endTime":652.39,"body":"complexity. And so we we pick up"},{"speaker":"Alan Smith","startTime":652.5699999999999,"endTime":656.4699999999999,"body":"clients from them from time to"},{"speaker":"Alan Smith","startTime":652.5699999999999,"endTime":656.4699999999999,"body":"time. And, and you're right,"},{"speaker":"Alan Smith","startTime":656.4699999999999,"endTime":659.38,"body":"Andy, it is just, it's like,"},{"speaker":"Alan Smith","startTime":656.4699999999999,"endTime":659.38,"body":"Could we just make this fun,"},{"speaker":"Alan Smith","startTime":659.38,"endTime":661.75,"body":"you've never heard of this"},{"speaker":"Alan Smith","startTime":659.38,"endTime":661.75,"body":"funds, you know, we do have a"},{"speaker":"Alan Smith","startTime":661.75,"endTime":664.5699999999999,"body":"bit of an x ray, a deep dive"},{"speaker":"Alan Smith","startTime":661.75,"endTime":664.5699999999999,"body":"analysis. And as far as you"},{"speaker":"Alan Smith","startTime":664.5699999999999,"endTime":667.9599999999999,"body":"can't, you can't find anywhere"},{"speaker":"Alan Smith","startTime":664.5699999999999,"endTime":667.9599999999999,"body":"doesn't exist kind of offshore,"},{"speaker":"Alan Smith","startTime":668.3499999999999,"endTime":670.51,"body":"you know, without, you know,"},{"speaker":"Alan Smith","startTime":668.3499999999999,"endTime":670.51,"body":"lock up things, you know,"},{"speaker":"Alan Smith","startTime":670.51,"endTime":674.1999999999999,"body":"complex hedge funds, structured"},{"speaker":"Alan Smith","startTime":670.51,"endTime":674.1999999999999,"body":"notes, you name it, and Chi"},{"speaker":"Alan Smith","startTime":674.1999999999999,"endTime":676.5699999999999,"body":"waves, you know, complexity"},{"speaker":"Alan Smith","startTime":674.1999999999999,"endTime":676.5699999999999,"body":"without utterly I don't even"},{"speaker":"Alan Smith","startTime":676.5699999999999,"endTime":679.3299999999999,"body":"know what asset class some of"},{"speaker":"Alan Smith","startTime":676.5699999999999,"endTime":679.3299999999999,"body":"these things are in, but it may"},{"speaker":"Alan Smith","startTime":679.3299999999999,"endTime":682.9,"body":"be shows, tells the clients and"},{"speaker":"Alan Smith","startTime":679.3299999999999,"endTime":682.9,"body":"the customers, we know this"},{"speaker":"Alan Smith","startTime":682.9,"endTime":685.99,"body":"stuff, we've got access to the"},{"speaker":"Alan Smith","startTime":682.9,"endTime":685.99,"body":"stuff and you haven't. So that"},{"speaker":"Alan Smith","startTime":685.99,"endTime":690.2199999999999,"body":"would have an impact, I would"},{"speaker":"Alan Smith","startTime":685.99,"endTime":690.2199999999999,"body":"think on investment returns over"},{"speaker":"Alan Smith","startTime":690.2199999999999,"endTime":693.13,"body":"the long term. And one, just"},{"speaker":"Alan Smith","startTime":690.2199999999999,"endTime":693.13,"body":"just just a little as we're in,"},{"speaker":"Alan Smith","startTime":693.13,"endTime":695.41,"body":"we're still in the kind of"},{"speaker":"Alan Smith","startTime":693.13,"endTime":695.41,"body":"topical stuff right now. Just"},{"speaker":"Alan Smith","startTime":695.41,"endTime":697.18,"body":"wanna bring something right up"},{"speaker":"Alan Smith","startTime":695.41,"endTime":697.18,"body":"to date, which I thought was"},{"speaker":"Alan Smith","startTime":697.18,"endTime":700.15,"body":"relevant to this conversation"},{"speaker":"Alan Smith","startTime":697.18,"endTime":700.15,"body":"somewhat which there was an"},{"speaker":"Alan Smith","startTime":700.15,"endTime":702.2199999999999,"body":"article I just posted something"},{"speaker":"Alan Smith","startTime":700.15,"endTime":702.2199999999999,"body":"on Twitter yesterday, the"},{"speaker":"Alan Smith","startTime":702.2199999999999,"endTime":704.86,"body":"weekend, there was an article, a"},{"speaker":"Alan Smith","startTime":702.2199999999999,"endTime":704.86,"body":"financial journalist who writes"},{"speaker":"Alan Smith","startTime":704.86,"endTime":709.51,"body":"for The Times posted something"},{"speaker":"Alan Smith","startTime":704.86,"endTime":709.51,"body":"about her own personal saving"},{"speaker":"Alan Smith","startTime":709.51,"endTime":712.9599999999999,"body":"for retirement journey."},{"speaker":"Alan Smith","startTime":709.51,"endTime":712.9599999999999,"body":"difficult it was for her to"},{"speaker":"Alan Smith","startTime":712.9599999999999,"endTime":715.48,"body":"accumulate the amount of there's"},{"speaker":"Alan Smith","startTime":712.9599999999999,"endTime":715.48,"body":"a number of online tools, you"},{"speaker":"Alan Smith","startTime":715.48,"endTime":717.79,"body":"can find it to work out how much"},{"speaker":"Alan Smith","startTime":715.48,"endTime":717.79,"body":"you need to save every week or"},{"speaker":"Alan Smith","startTime":717.79,"endTime":721.0,"body":"every month every year. And one"},{"speaker":"Alan Smith","startTime":717.79,"endTime":721.0,"body":"of the big things that she was"},{"speaker":"Alan Smith","startTime":721.0,"endTime":724.8399999999999,"body":"saying is I think I'm going to"},{"speaker":"Alan Smith","startTime":721.0,"endTime":724.8399999999999,"body":"move from the default balanced"},{"speaker":"Alan Smith","startTime":725.02,"endTime":730.66,"body":"portfolio, I think 5050 equities"},{"speaker":"Alan Smith","startTime":725.02,"endTime":730.66,"body":"bonds, to sub to the adventurous"},{"speaker":"Alan Smith","startTime":730.66,"endTime":733.66,"body":"even these naming protocols"},{"speaker":"Alan Smith","startTime":730.66,"endTime":733.66,"body":"adventurous, it sounds a little"},{"speaker":"Alan Smith","startTime":733.66,"endTime":737.56,"body":"bit dodgy a bit. And and I think"},{"speaker":"Alan Smith","startTime":733.66,"endTime":737.56,"body":"I don't, I can't remember if she"},{"speaker":"Alan Smith","startTime":737.56,"endTime":739.87,"body":"actually said well, how old she"},{"speaker":"Alan Smith","startTime":737.56,"endTime":739.87,"body":"was. But she did refer to"},{"speaker":"Alan Smith","startTime":739.87,"endTime":742.9,"body":"something like a 30 year time"},{"speaker":"Alan Smith","startTime":739.87,"endTime":742.9,"body":"horizon before she even starts"},{"speaker":"Alan Smith","startTime":742.9,"endTime":745.6899999999999,"body":"to retire. If she retires on"},{"speaker":"Alan Smith","startTime":742.9,"endTime":745.6899999999999,"body":"time. And obviously, then all"},{"speaker":"Alan Smith","startTime":745.6899999999999,"endTime":748.48,"body":"being well, health allowance."},{"speaker":"Alan Smith","startTime":745.6899999999999,"endTime":748.48,"body":"She'll be retired for decades"},{"speaker":"Alan Smith","startTime":748.5699999999999,"endTime":753.8199999999999,"body":"after that, to be 5050. Equities"},{"speaker":"Alan Smith","startTime":748.5699999999999,"endTime":753.8199999999999,"body":"bonds when you are, let's say 30"},{"speaker":"Alan Smith","startTime":753.8199999999999,"endTime":758.1999999999999,"body":"years old. Geez, it's nuts,"},{"speaker":"Alan Smith","startTime":753.8199999999999,"endTime":758.1999999999999,"body":"isn't it? Guys, I know that we"},{"speaker":"Alan Smith","startTime":758.1999999999999,"endTime":765.1899999999999,"body":"may be a bit too overly positive"},{"speaker":"Alan Smith","startTime":758.1999999999999,"endTime":765.1899999999999,"body":"about global equities. But that"},{"speaker":"Alan Smith","startTime":765.1899999999999,"endTime":768.25,"body":"is going to be for big company"},{"speaker":"Alan Smith","startTime":765.1899999999999,"endTime":768.25,"body":"pension schemes to have a"},{"speaker":"Alan Smith","startTime":768.25,"endTime":772.27,"body":"default for all their staff"},{"speaker":"Alan Smith","startTime":768.25,"endTime":772.27,"body":"regardless, until they then they"},{"speaker":"Alan Smith","startTime":772.27,"endTime":774.8499999999999,"body":"go into the kind of would you"},{"speaker":"Alan Smith","startTime":772.27,"endTime":774.8499999999999,"body":"call it the lifestyle in your"},{"speaker":"Alan Smith","startTime":774.8499999999999,"endTime":778.39,"body":"life, it's even more dangerous,"},{"speaker":"Alan Smith","startTime":774.8499999999999,"endTime":778.39,"body":"even worse, dangerous, which put"},{"speaker":"Alan Smith","startTime":778.39,"endTime":783.5799999999999,"body":"younger people into a load of"},{"speaker":"Alan Smith","startTime":778.39,"endTime":783.5799999999999,"body":"bonds, just seems just"},{"speaker":"Alan Smith","startTime":783.6999999999999,"endTime":785.26,"body":"irresponsible to say the"},{"speaker":"Alan Smith","startTime":783.6999999999999,"endTime":785.26,"body":"government."},{"speaker":"Nick Lincoln","startTime":785.29,"endTime":787.0,"body":"I think it's the"},{"speaker":"Nick Lincoln","startTime":785.29,"endTime":787.0,"body":"government's ski. I mean, I"},{"speaker":"Nick Lincoln","startTime":787.0,"endTime":789.16,"body":"don't get involved in auto"},{"speaker":"Nick Lincoln","startTime":787.0,"endTime":789.16,"body":"enrollment. But nest certainly"},{"speaker":"Nick Lincoln","startTime":789.16,"endTime":792.1899999999999,"body":"one of the big ones that maybe"},{"speaker":"Nick Lincoln","startTime":789.16,"endTime":792.1899999999999,"body":"they will do it after, they were"},{"speaker":"Nick Lincoln","startTime":792.1899999999999,"endTime":797.41,"body":"told to put people joining the"},{"speaker":"Nick Lincoln","startTime":792.1899999999999,"endTime":797.41,"body":"schemes who are so 1819 20, but"},{"speaker":"Nick Lincoln","startTime":797.4399999999999,"endTime":800.5,"body":"a significant amount of their"},{"speaker":"Nick Lincoln","startTime":797.4399999999999,"endTime":800.5,"body":"funds into bonds. Because you"},{"speaker":"Nick Lincoln","startTime":800.5,"endTime":802.63,"body":"don't want these people upset"},{"speaker":"Nick Lincoln","startTime":800.5,"endTime":802.63,"body":"when they look at their"},{"speaker":"Nick Lincoln","startTime":802.63,"endTime":806.3499999999999,"body":"valuations and see them decline"},{"speaker":"Nick Lincoln","startTime":802.63,"endTime":806.3499999999999,"body":"in the early years. So I mean,"},{"speaker":"Nick Lincoln","startTime":806.3499999999999,"endTime":809.65,"body":"talk about pandering and"},{"speaker":"Nick Lincoln","startTime":806.3499999999999,"endTime":809.65,"body":"reinforcing really bad practices"},{"speaker":"Nick Lincoln","startTime":809.65,"endTime":812.38,"body":"rather than educating these"},{"speaker":"Nick Lincoln","startTime":809.65,"endTime":812.38,"body":"people in the saying, just don't"},{"speaker":"Nick Lincoln","startTime":812.38,"endTime":816.49,"body":"look at the valuation for the"},{"speaker":"Nick Lincoln","startTime":812.38,"endTime":816.49,"body":"next 20 years. We make the state"},{"speaker":"Nick Lincoln","startTime":816.49,"endTime":818.7099999999999,"body":"makes it worse and says no,"},{"speaker":"Nick Lincoln","startTime":816.49,"endTime":818.7099999999999,"body":"we're young people who were the"},{"speaker":"Nick Lincoln","startTime":818.7099999999999,"endTime":821.17,"body":"ones who can afford to ride out"},{"speaker":"Nick Lincoln","startTime":818.7099999999999,"endTime":821.17,"body":"all this volatility and should"},{"speaker":"Nick Lincoln","startTime":821.17,"endTime":824.1999999999999,"body":"be loving it. They are totally"},{"speaker":"Nick Lincoln","startTime":821.17,"endTime":824.1999999999999,"body":"without knowing because most of"},{"speaker":"Nick Lincoln","startTime":824.1999999999999,"endTime":825.73,"body":"them don't even know what"},{"speaker":"Nick Lincoln","startTime":824.1999999999999,"endTime":825.73,"body":"they're investing, they go into"},{"speaker":"Nick Lincoln","startTime":825.73,"endTime":828.55,"body":"something that won't cause them"},{"speaker":"Nick Lincoln","startTime":825.73,"endTime":828.55,"body":"a fence. If they see it drops"},{"speaker":"Nick Lincoln","startTime":828.55,"endTime":831.2199999999999,"body":"in. It's like, wow, you separate"},{"speaker":"Nick Lincoln","startTime":828.55,"endTime":831.2199999999999,"body":"the problem is Andy."},{"speaker":"Andy Hart","startTime":831.67,"endTime":833.7099999999999,"body":"But weirdly, I'm"},{"speaker":"Andy Hart","startTime":831.67,"endTime":833.7099999999999,"body":"quite a fan of that. That's,"},{"speaker":"Andy Hart","startTime":833.77,"endTime":838.06,"body":"that's a behavioral intervention"},{"speaker":"Andy Hart","startTime":833.77,"endTime":838.06,"body":"that the government's taken a"},{"speaker":"Andy Hart","startTime":838.06,"endTime":841.93,"body":"view on, because they didn't"},{"speaker":"Andy Hart","startTime":838.06,"endTime":841.93,"body":"want you know, a 19 year old to"},{"speaker":"Andy Hart","startTime":841.93,"endTime":845.56,"body":"join, and invest, let's say 1000"},{"speaker":"Andy Hart","startTime":841.93,"endTime":845.56,"body":"pounds over a year, and then"},{"speaker":"Andy Hart","startTime":845.56,"endTime":848.86,"body":"look at their statement within"},{"speaker":"Andy Hart","startTime":845.56,"endTime":848.86,"body":"the first unit, say, a 50."},{"speaker":"Andy Hart","startTime":849.0999999999999,"endTime":851.29,"body":"Because then the thing or bug is"},{"speaker":"Andy Hart","startTime":849.0999999999999,"endTime":851.29,"body":"I'm just going to stop doing the"},{"speaker":"Andy Hart","startTime":851.29,"endTime":854.29,"body":"whole thing. So I'm a, I'm a bit"},{"speaker":"Andy Hart","startTime":851.29,"endTime":854.29,"body":"of a fan of"},{"speaker":"Alan Smith","startTime":854.4699999999999,"endTime":856.7199999999999,"body":"that isn't work this"},{"speaker":"Alan Smith","startTime":854.4699999999999,"endTime":856.7199999999999,"body":"year that has it investing in,"},{"speaker":"Alan Smith","startTime":857.14,"endTime":857.65,"body":"it hasn't worked."},{"speaker":"Andy Hart","startTime":857.65,"endTime":859.9599999999999,"body":"I get it, I get it, I"},{"speaker":"Andy Hart","startTime":857.65,"endTime":859.9599999999999,"body":"get it. I get it. I get it. But"},{"speaker":"Andy Hart","startTime":859.9599999999999,"endTime":863.26,"body":"I understand why they intervened"},{"speaker":"Andy Hart","startTime":859.9599999999999,"endTime":863.26,"body":"with that, that that was quite"},{"speaker":"Andy Hart","startTime":863.26,"endTime":865.81,"body":"smart. From their point of view,"},{"speaker":"Andy Hart","startTime":863.26,"endTime":865.81,"body":"which is quite rare for a"},{"speaker":"Andy Hart","startTime":865.81,"endTime":870.25,"body":"committee to come up with such a"},{"speaker":"Andy Hart","startTime":865.81,"endTime":870.25,"body":"wide ranging rule. I was a fan"},{"speaker":"Andy Hart","startTime":870.25,"endTime":870.9399999999999,"body":"of that. Yeah, I"},{"speaker":"Alan Smith","startTime":870.9399999999999,"endTime":873.0699999999999,"body":"think it should be"},{"speaker":"Alan Smith","startTime":870.9399999999999,"endTime":873.0699999999999,"body":"maybe I mean, that's you're"},{"speaker":"Alan Smith","startTime":873.0699999999999,"endTime":875.89,"body":"talking about auto enrolment"},{"speaker":"Alan Smith","startTime":873.0699999999999,"endTime":875.89,"body":"big? Yes, surely, surely, that's"},{"speaker":"Alan Smith","startTime":875.89,"endTime":878.53,"body":"a responsibility amongst I don't"},{"speaker":"Alan Smith","startTime":875.89,"endTime":878.53,"body":"think any of us are particularly"},{"speaker":"Alan Smith","startTime":878.53,"endTime":881.8299999999999,"body":"big in the we're certainly not"},{"speaker":"Alan Smith","startTime":878.53,"endTime":881.8299999999999,"body":"in corporate benefits, company,"},{"speaker":"Alan Smith","startTime":881.8299999999999,"endTime":885.76,"body":"pension schemes and so on. But"},{"speaker":"Alan Smith","startTime":881.8299999999999,"endTime":885.76,"body":"surely there is a big role for"},{"speaker":"Alan Smith","startTime":885.76,"endTime":889.5699999999999,"body":"education for employers, of"},{"speaker":"Alan Smith","startTime":885.76,"endTime":889.5699999999999,"body":"course, setting up these company"},{"speaker":"Alan Smith","startTime":889.5699999999999,"endTime":892.3,"body":"pension schemes. And rather than"},{"speaker":"Alan Smith","startTime":889.5699999999999,"endTime":892.3,"body":"just say, rather, I mean,"},{"speaker":"Alan Smith","startTime":892.3,"endTime":894.2199999999999,"body":"because that is that is"},{"speaker":"Alan Smith","startTime":892.3,"endTime":894.2199999999999,"body":"pandering, isn't it? We're going"},{"speaker":"Alan Smith","startTime":894.2199999999999,"endTime":898.2099999999999,"body":"to give you a suboptimal"},{"speaker":"Alan Smith","startTime":894.2199999999999,"endTime":898.2099999999999,"body":"outcome, just in case you get"},{"speaker":"Alan Smith","startTime":898.2099999999999,"endTime":900.9399999999999,"body":"worried about it. Why don't we"},{"speaker":"Alan Smith","startTime":898.2099999999999,"endTime":900.9399999999999,"body":"educate you, but as you say,"},{"speaker":"Alan Smith","startTime":901.2099999999999,"endTime":903.61,"body":"there's nothing to worry about."},{"speaker":"Alan Smith","startTime":901.2099999999999,"endTime":903.61,"body":"And you know, you can't touch"},{"speaker":"Alan Smith","startTime":903.61,"endTime":905.92,"body":"this for decades anyway. You"},{"speaker":"Alan Smith","startTime":903.61,"endTime":905.92,"body":"can't get it out once in a"},{"speaker":"Alan Smith","startTime":905.92,"endTime":907.5999999999999,"body":"pension scheme until you're well"},{"speaker":"Alan Smith","startTime":905.92,"endTime":907.5999999999999,"body":"and"},{"speaker":"Nick Lincoln","startTime":907.5999999999999,"endTime":911.23,"body":"also don't talk"},{"speaker":"Nick Lincoln","startTime":907.5999999999999,"endTime":911.23,"body":"about it in making it making the"},{"speaker":"Nick Lincoln","startTime":911.23,"endTime":914.14,"body":"employer the de facto parents of"},{"speaker":"Nick Lincoln","startTime":911.23,"endTime":914.14,"body":"all these people all the time."},{"speaker":"Nick Lincoln","startTime":914.14,"endTime":916.15,"body":"And that's another burden. Mate."},{"speaker":"Nick Lincoln","startTime":914.14,"endTime":916.15,"body":"Why don't they cut Why don't"},{"speaker":"Nick Lincoln","startTime":916.15,"endTime":919.18,"body":"kids come at school knowing at"},{"speaker":"Nick Lincoln","startTime":916.15,"endTime":919.18,"body":"least a little bit about finance"},{"speaker":"Nick Lincoln","startTime":919.18,"endTime":922.42,"body":"and just a little bit about how"},{"speaker":"Nick Lincoln","startTime":919.18,"endTime":922.42,"body":"these things work? Different"},{"speaker":"Nick Lincoln","startTime":922.42,"endTime":924.52,"body":"subject, it is a whole different"},{"speaker":"Nick Lincoln","startTime":922.42,"endTime":924.52,"body":"subject, but the government's"},{"speaker":"Nick Lincoln","startTime":924.52,"endTime":927.13,"body":"just putting a BandAid on a"},{"speaker":"Nick Lincoln","startTime":924.52,"endTime":927.13,"body":"massive, massive wound by saying"},{"speaker":"Nick Lincoln","startTime":927.13,"endTime":929.3499999999999,"body":"that you will be in a rubbish"},{"speaker":"Nick Lincoln","startTime":927.13,"endTime":929.3499999999999,"body":"fund that will lose money in"},{"speaker":"Nick Lincoln","startTime":929.3499999999999,"endTime":931.93,"body":"real terms after inflation just"},{"speaker":"Nick Lincoln","startTime":929.3499999999999,"endTime":931.93,"body":"so you don't wet the bed, and"},{"speaker":"Nick Lincoln","startTime":931.93,"endTime":934.3,"body":"that's okay. No, it's not okay."},{"speaker":"Nick Lincoln","startTime":931.93,"endTime":934.3,"body":"It's not good enough. All right,"},{"speaker":"Nick Lincoln","startTime":934.3,"endTime":937.24,"body":"have we done? This one is the"},{"speaker":"Nick Lincoln","startTime":934.3,"endTime":937.24,"body":"ground? Yep. Move on. Okay,"},{"speaker":"Nick Lincoln","startTime":937.24,"endTime":940.87,"body":"cool. And you spoke at length,"},{"speaker":"Nick Lincoln","startTime":937.24,"endTime":940.87,"body":"but you're gonna speak at length"},{"speaker":"Nick Lincoln","startTime":940.87,"endTime":943.8399999999999,"body":"again. So because on our on our"},{"speaker":"Nick Lincoln","startTime":940.87,"endTime":943.8399999999999,"body":"agenda of dreams, you've got a"},{"speaker":"Nick Lincoln","startTime":943.8399999999999,"endTime":945.91,"body":"point in there, my friend. So"},{"speaker":"Nick Lincoln","startTime":943.8399999999999,"endTime":945.91,"body":"the floor was once again yours."},{"speaker":"Nick Lincoln","startTime":945.91,"endTime":947.74,"body":"And then who are you going to"},{"speaker":"Nick Lincoln","startTime":945.91,"endTime":947.74,"body":"hand over to once you've given"},{"speaker":"Nick Lincoln","startTime":947.74,"endTime":948.73,"body":"us your super?"},{"speaker":"Andy Hart","startTime":949.81,"endTime":952.39,"body":"Oh, I'll just speak"},{"speaker":"Andy Hart","startTime":949.81,"endTime":952.39,"body":"quite quickly about this point."},{"speaker":"Andy Hart","startTime":952.42,"endTime":955.99,"body":"So the meat of this show is"},{"speaker":"Andy Hart","startTime":952.42,"endTime":955.99,"body":"other professionals that us as"},{"speaker":"Andy Hart","startTime":955.99,"endTime":959.3199999999999,"body":"financial advisors used to"},{"speaker":"Andy Hart","startTime":955.99,"endTime":959.3199999999999,"body":"become, you know, better at what"},{"speaker":"Andy Hart","startTime":959.3199999999999,"endTime":962.5,"body":"we do more successful. So I'm"},{"speaker":"Andy Hart","startTime":959.3199999999999,"endTime":962.5,"body":"putting this whole category into"},{"speaker":"Andy Hart","startTime":962.5,"endTime":965.0799999999999,"body":"sort of coaches, you know,"},{"speaker":"Andy Hart","startTime":962.5,"endTime":965.0799999999999,"body":"coaches for everything, personal"},{"speaker":"Andy Hart","startTime":965.0799999999999,"endTime":968.05,"body":"development, really, I sort of"},{"speaker":"Andy Hart","startTime":965.0799999999999,"endTime":968.05,"body":"banging on about the three"},{"speaker":"Andy Hart","startTime":968.05,"endTime":970.06,"body":"health, mental health, physical"},{"speaker":"Andy Hart","startTime":968.05,"endTime":970.06,"body":"health, financial health,"},{"speaker":"Andy Hart","startTime":970.06,"endTime":972.2199999999999,"body":"they're all sort of important."},{"speaker":"Andy Hart","startTime":970.06,"endTime":972.2199999999999,"body":"They're all sort of interlinked."},{"speaker":"Andy Hart","startTime":972.61,"endTime":975.5799999999999,"body":"So we obviously have accountants"},{"speaker":"Andy Hart","startTime":972.61,"endTime":975.5799999999999,"body":"that help us I mean, I've got"},{"speaker":"Andy Hart","startTime":976.24,"endTime":978.67,"body":"over the years, I've used"},{"speaker":"Andy Hart","startTime":976.24,"endTime":978.67,"body":"personal trainers, business"},{"speaker":"Andy Hart","startTime":978.67,"endTime":981.4,"body":"coaches, public speaking"},{"speaker":"Andy Hart","startTime":978.67,"endTime":981.4,"body":"coaches, I've had remote"},{"speaker":"Andy Hart","startTime":981.4,"endTime":984.55,"body":"mentors, people I listen to"},{"speaker":"Andy Hart","startTime":981.4,"endTime":984.55,"body":"online, there's financial"},{"speaker":"Andy Hart","startTime":984.55,"endTime":987.2199999999999,"body":"advisors, course courses that"},{"speaker":"Andy Hart","startTime":984.55,"endTime":987.2199999999999,"body":"we've gone to, we've got a lot"},{"speaker":"Andy Hart","startTime":987.2199999999999,"endTime":989.89,"body":"of education and training around"},{"speaker":"Andy Hart","startTime":987.2199999999999,"endTime":989.89,"body":"investment management and"},{"speaker":"Andy Hart","startTime":989.89,"endTime":993.91,"body":"practice management. So yeah,"},{"speaker":"Andy Hart","startTime":989.89,"endTime":993.91,"body":"it's just opening up to you"},{"speaker":"Andy Hart","startTime":993.91,"endTime":997.12,"body":"guys, really, who's been some of"},{"speaker":"Andy Hart","startTime":993.91,"endTime":997.12,"body":"the most influential people that"},{"speaker":"Andy Hart","startTime":997.12,"endTime":1000.06,"body":"have helped you along the way."},{"speaker":"Andy Hart","startTime":997.12,"endTime":1000.06,"body":"What coaches do you still employ"},{"speaker":"Andy Hart","startTime":1000.06,"endTime":1002.1899999999999,"body":"today? What have you, what"},{"speaker":"Andy Hart","startTime":1000.06,"endTime":1002.1899999999999,"body":"coaches have you employed over"},{"speaker":"Andy Hart","startTime":1002.1899999999999,"endTime":1005.61,"body":"the years? Yeah, so let's,"},{"speaker":"Nick Lincoln","startTime":1005.64,"endTime":1007.4699999999999,"body":"let's kick off"},{"speaker":"Nick Lincoln","startTime":1005.64,"endTime":1007.4699999999999,"body":"with this okay, with your"},{"speaker":"Nick Lincoln","startTime":1007.4699999999999,"endTime":1011.0699999999999,"body":"coworker, Alan, and then we'll"},{"speaker":"Nick Lincoln","startTime":1007.4699999999999,"endTime":1011.0699999999999,"body":"get a car. I mean, Alan, if he"},{"speaker":"Nick Lincoln","startTime":1011.0699999999999,"endTime":1012.99,"body":"starts to tell us the coaches"},{"speaker":"Nick Lincoln","startTime":1011.0699999999999,"endTime":1012.99,"body":"you haven't used?"},{"speaker":"Alan Smith","startTime":1018.4499999999999,"endTime":1020.5799999999999,"body":"Yeah, I'm all about"},{"speaker":"Alan Smith","startTime":1018.4499999999999,"endTime":1020.5799999999999,"body":"improvement. Nick, you should"},{"speaker":"Alan Smith","startTime":1020.5799999999999,"endTime":1021.39,"body":"try it sometime."},{"speaker":"Nick Lincoln","startTime":1021.54,"endTime":1024.42,"body":"Now. I tried it."},{"speaker":"Nick Lincoln","startTime":1021.54,"endTime":1024.42,"body":"Once my I had five minutes."},{"speaker":"Nick Lincoln","startTime":1025.02,"endTime":1025.71,"body":"Absolutely. I"},{"speaker":"Carl Widger","startTime":1026.25,"endTime":1027.78,"body":"coach was the coach"},{"speaker":"Carl Widger","startTime":1026.25,"endTime":1027.78,"body":"was wrong."},{"speaker":"Nick Lincoln","startTime":1028.8,"endTime":1032.46,"body":"Because the coach"},{"speaker":"Nick Lincoln","startTime":1028.8,"endTime":1032.46,"body":"had to go for therapy. And I"},{"speaker":"Nick Lincoln","startTime":1032.46,"endTime":1033.1200000000001,"body":"thought this is"},{"speaker":"Alan Smith","startTime":1035.97,"endTime":1037.8600000000001,"body":"not you? Well,"},{"speaker":"Alan Smith","startTime":1035.97,"endTime":1037.8600000000001,"body":"you're right. Over the years, I"},{"speaker":"Alan Smith","startTime":1037.8600000000001,"endTime":1040.83,"body":"have because I do I do believe I"},{"speaker":"Alan Smith","startTime":1037.8600000000001,"endTime":1040.83,"body":"am always looking to try to"},{"speaker":"Alan Smith","startTime":1040.83,"endTime":1045.0,"body":"improve be better. I don't have"},{"speaker":"Alan Smith","startTime":1040.83,"endTime":1045.0,"body":"any immediate I saw that I saw"},{"speaker":"Alan Smith","startTime":1045.0,"endTime":1047.43,"body":"you raise this. And I thought"},{"speaker":"Alan Smith","startTime":1045.0,"endTime":1047.43,"body":"why don't have any sort of art."},{"speaker":"Alan Smith","startTime":1047.46,"endTime":1050.73,"body":"I've used this particular coach."},{"speaker":"Alan Smith","startTime":1047.46,"endTime":1050.73,"body":"And she he or she was amazing."},{"speaker":"Alan Smith","startTime":1050.73,"endTime":1055.23,"body":"I've used a series of different"},{"speaker":"Alan Smith","startTime":1050.73,"endTime":1055.23,"body":"people at different times, my"},{"speaker":"Alan Smith","startTime":1055.23,"endTime":1059.04,"body":"view is on coaching is that it"},{"speaker":"Alan Smith","startTime":1055.23,"endTime":1059.04,"body":"should never be a kind of"},{"speaker":"Alan Smith","startTime":1059.04,"endTime":1061.26,"body":"perpetual thing, you should, you"},{"speaker":"Alan Smith","startTime":1059.04,"endTime":1061.26,"body":"should have an issue that you"},{"speaker":"Alan Smith","startTime":1061.26,"endTime":1063.6299999999999,"body":"want to get better at work with"},{"speaker":"Alan Smith","startTime":1061.26,"endTime":1063.6299999999999,"body":"somebody for a period of time"},{"speaker":"Alan Smith","startTime":1063.6299999999999,"endTime":1066.87,"body":"and then perhaps step away from"},{"speaker":"Alan Smith","startTime":1063.6299999999999,"endTime":1066.87,"body":"it, and then do some of the"},{"speaker":"Alan Smith","startTime":1066.87,"endTime":1072.27,"body":"stuff yourself. But over the"},{"speaker":"Alan Smith","startTime":1066.87,"endTime":1072.27,"body":"years, one of the things I think"},{"speaker":"Alan Smith","startTime":1073.02,"endTime":1076.44,"body":"that a coach does, and there's a"},{"speaker":"Alan Smith","startTime":1073.02,"endTime":1076.44,"body":"lot of similarities with a good"},{"speaker":"Alan Smith","startTime":1076.44,"endTime":1080.82,"body":"financial planner is this thing"},{"speaker":"Alan Smith","startTime":1076.44,"endTime":1080.82,"body":"called accountability. Because"},{"speaker":"Alan Smith","startTime":1080.85,"endTime":1084.42,"body":"and you talk about health. Now,"},{"speaker":"Alan Smith","startTime":1080.85,"endTime":1084.42,"body":"I mean, you obviously tell by my"},{"speaker":"Alan Smith","startTime":1084.78,"endTime":1089.04,"body":"wonderful physique that I'm a"},{"speaker":"Alan Smith","startTime":1084.78,"endTime":1089.04,"body":"regular visitor to the gym. But"},{"speaker":"Alan Smith","startTime":1089.22,"endTime":1092.8799999999999,"body":"I, but I do go to the gym, Baker"},{"speaker":"Alan Smith","startTime":1089.22,"endTime":1092.8799999999999,"body":"Street"},{"speaker":"Andy Hart","startTime":1093.0,"endTime":1093.99,"body":"Sweepers gym,"},{"speaker":"Alan Smith","startTime":1095.61,"endTime":1098.85,"body":"almost. But one of"},{"speaker":"Alan Smith","startTime":1095.61,"endTime":1098.85,"body":"the reasons I wrote a blog about"},{"speaker":"Alan Smith","startTime":1098.85,"endTime":1102.33,"body":"this a while ago, and my"},{"speaker":"Alan Smith","startTime":1098.85,"endTime":1102.33,"body":"personal trainer, Andrew, shout"},{"speaker":"Alan Smith","startTime":1102.33,"endTime":1108.36,"body":"out to Andrew from South Africa."},{"speaker":"Alan Smith","startTime":1102.33,"endTime":1108.36,"body":"He's I said I pay you to count"},{"speaker":"Alan Smith","startTime":1108.36,"endTime":1113.43,"body":"to 10. What I used to do much"},{"speaker":"Alan Smith","startTime":1108.36,"endTime":1113.43,"body":"more than that. And I thought,"},{"speaker":"Alan Smith","startTime":1113.46,"endTime":1115.59,"body":"well, of course, of course he"},{"speaker":"Alan Smith","startTime":1113.46,"endTime":1115.59,"body":"does. But what if I was there"},{"speaker":"Alan Smith","startTime":1115.59,"endTime":1118.29,"body":"this morning at 630 in the"},{"speaker":"Alan Smith","startTime":1115.59,"endTime":1118.29,"body":"Monday morning, which is not the"},{"speaker":"Alan Smith","startTime":1118.29,"endTime":1122.61,"body":"ideal place, I'd rather be in my"},{"speaker":"Alan Smith","startTime":1118.29,"endTime":1122.61,"body":"life, but because he sets up"},{"speaker":"Alan Smith","startTime":1122.61,"endTime":1125.97,"body":"this facility for me, and he's"},{"speaker":"Alan Smith","startTime":1122.61,"endTime":1125.97,"body":"there and he's waiting, and I"},{"speaker":"Alan Smith","startTime":1125.97,"endTime":1128.94,"body":"get like, hold my backside out"},{"speaker":"Alan Smith","startTime":1125.97,"endTime":1128.94,"body":"of bed at that time. So I think"},{"speaker":"Alan Smith","startTime":1128.97,"endTime":1132.45,"body":"accountability is a huge thing"},{"speaker":"Alan Smith","startTime":1128.97,"endTime":1132.45,"body":"that coaches performed a lot of"},{"speaker":"Alan Smith","startTime":1132.45,"endTime":1135.3,"body":"us, I think just human nature is"},{"speaker":"Alan Smith","startTime":1132.45,"endTime":1135.3,"body":"quite lazy. And we wouldn't"},{"speaker":"Alan Smith","startTime":1135.3,"endTime":1139.11,"body":"necessarily do things unless we"},{"speaker":"Alan Smith","startTime":1135.3,"endTime":1139.11,"body":"had somebody or something to do."},{"speaker":"Alan Smith","startTime":1139.11,"endTime":1141.93,"body":"And I think there's a lot of"},{"speaker":"Alan Smith","startTime":1139.11,"endTime":1141.93,"body":"there's a lot that you know, the"},{"speaker":"Alan Smith","startTime":1141.93,"endTime":1144.3899999999999,"body":"work that a good financial"},{"speaker":"Alan Smith","startTime":1141.93,"endTime":1144.3899999999999,"body":"planner does, let's face it,"},{"speaker":"Alan Smith","startTime":1144.3899999999999,"endTime":1147.3899999999999,"body":"some of it is just very, very"},{"speaker":"Alan Smith","startTime":1144.3899999999999,"endTime":1147.3899999999999,"body":"basic. And you in theory, you"},{"speaker":"Alan Smith","startTime":1147.3899999999999,"endTime":1151.29,"body":"can do it yourself, you know, to"},{"speaker":"Alan Smith","startTime":1147.3899999999999,"endTime":1151.29,"body":"keep fit, all you need to do is"},{"speaker":"Alan Smith","startTime":1151.29,"endTime":1153.87,"body":"you know, eat less or eat"},{"speaker":"Alan Smith","startTime":1151.29,"endTime":1153.87,"body":"healthy and move more. That's"},{"speaker":"Alan Smith","startTime":1153.87,"endTime":1156.06,"body":"it, but most of us don't do"},{"speaker":"Alan Smith","startTime":1153.87,"endTime":1156.06,"body":"enough of that same with"},{"speaker":"Alan Smith","startTime":1156.06,"endTime":1159.42,"body":"financial planning, or we need"},{"speaker":"Alan Smith","startTime":1156.06,"endTime":1159.42,"body":"to you know, invest, automate"},{"speaker":"Alan Smith","startTime":1159.42,"endTime":1163.2,"body":"your savings, low cost, you"},{"speaker":"Alan Smith","startTime":1159.42,"endTime":1163.2,"body":"know, have a plan, there are few"},{"speaker":"Alan Smith","startTime":1163.2,"endTime":1165.72,"body":"things a few basics really, and"},{"speaker":"Alan Smith","startTime":1163.2,"endTime":1165.72,"body":"you're sort of 80 90% of the way"},{"speaker":"Alan Smith","startTime":1165.72,"endTime":1168.21,"body":"but most people don't. So"},{"speaker":"Alan Smith","startTime":1165.72,"endTime":1168.21,"body":"financial planner is a good"},{"speaker":"Alan Smith","startTime":1168.21,"endTime":1172.17,"body":"accountability, roll"},{"speaker":"Alan Smith","startTime":1168.21,"endTime":1172.17,"body":"accountability partner. Other"},{"speaker":"Alan Smith","startTime":1172.17,"endTime":1174.84,"body":"than that, no, I mean, there's"},{"speaker":"Alan Smith","startTime":1172.17,"endTime":1174.84,"body":"there's nothing that really"},{"speaker":"Alan Smith","startTime":1174.84,"endTime":1178.29,"body":"stands out to me in particular"},{"speaker":"Alan Smith","startTime":1174.84,"endTime":1178.29,"body":"coach's reign, I've spoken to a"},{"speaker":"Alan Smith","startTime":1178.29,"endTime":1180.21,"body":"number over the years, they've"},{"speaker":"Alan Smith","startTime":1178.29,"endTime":1180.21,"body":"all been good at different"},{"speaker":"Alan Smith","startTime":1180.21,"endTime":1183.69,"body":"times, both on a personal basis,"},{"speaker":"Alan Smith","startTime":1180.21,"endTime":1183.69,"body":"and a professional basis. And I"},{"speaker":"Alan Smith","startTime":1183.69,"endTime":1186.81,"body":"definitely have a lot of value"},{"speaker":"Alan Smith","startTime":1183.69,"endTime":1186.81,"body":"in seeking an independent third"},{"speaker":"Alan Smith","startTime":1186.81,"endTime":1189.69,"body":"party because you simply you"},{"speaker":"Alan Smith","startTime":1186.81,"endTime":1189.69,"body":"know, what's the thing you can't"},{"speaker":"Alan Smith","startTime":1189.69,"endTime":1192.87,"body":"see the label of the job that"},{"speaker":"Alan Smith","startTime":1189.69,"endTime":1192.87,"body":"you're inside of you that you"},{"speaker":"Alan Smith","startTime":1192.87,"endTime":1196.32,"body":"live in, in. So having someone"},{"speaker":"Alan Smith","startTime":1192.87,"endTime":1196.32,"body":"else give a unique view of who"},{"speaker":"Alan Smith","startTime":1196.32,"endTime":1198.87,"body":"you are, what you're doing and"},{"speaker":"Alan Smith","startTime":1196.32,"endTime":1198.87,"body":"what you might want to consider"},{"speaker":"Alan Smith","startTime":1198.87,"endTime":1202.8,"body":"doing to get better, is very,"},{"speaker":"Alan Smith","startTime":1198.87,"endTime":1202.8,"body":"very valuable. I'll gonna pass"},{"speaker":"Alan Smith","startTime":1202.8,"endTime":1205.53,"body":"it to call because I know he's"},{"speaker":"Alan Smith","startTime":1202.8,"endTime":1205.53,"body":"done. He's got a lot a far"},{"speaker":"Alan Smith","startTime":1205.53,"endTime":1207.69,"body":"better answer, probably because"},{"speaker":"Alan Smith","startTime":1205.53,"endTime":1207.69,"body":"he spent a fortune on coaches"},{"speaker":"Alan Smith","startTime":1207.69,"endTime":1208.26,"body":"over the years."},{"speaker":"Carl Widger","startTime":1209.3999999999999,"endTime":1213.87,"body":"I yeah, yes, I"},{"speaker":"Carl Widger","startTime":1209.3999999999999,"endTime":1213.87,"body":"have, but I promise you, not as"},{"speaker":"Carl Widger","startTime":1213.87,"endTime":1219.06,"body":"much as you. The whole room the"},{"speaker":"Carl Widger","startTime":1213.87,"endTime":1219.06,"body":"whole accountability. thing I"},{"speaker":"Carl Widger","startTime":1219.06,"endTime":1222.75,"body":"love Mitch Anthony's quote on"},{"speaker":"Carl Widger","startTime":1219.06,"endTime":1222.75,"body":"that it's countability is"},{"speaker":"Carl Widger","startTime":1222.75,"endTime":1227.31,"body":"holding your feet to the fire of"},{"speaker":"Carl Widger","startTime":1222.75,"endTime":1227.31,"body":"your best intentions. I just I"},{"speaker":"Carl Widger","startTime":1227.31,"endTime":1230.19,"body":"just I think that's just"},{"speaker":"Carl Widger","startTime":1227.31,"endTime":1230.19,"body":"brilliant. It's exactly what It"},{"speaker":"Carl Widger","startTime":1230.19,"endTime":1233.73,"body":"is, yeah, I actually wrote a"},{"speaker":"Carl Widger","startTime":1230.19,"endTime":1233.73,"body":"blog on this pretty recently"},{"speaker":"Carl Widger","startTime":1234.6599999999999,"endTime":1240.18,"body":"about kind of the outsourced"},{"speaker":"Carl Widger","startTime":1234.6599999999999,"endTime":1240.18,"body":"inspiration that I've employed"},{"speaker":"Carl Widger","startTime":1240.18,"endTime":1245.28,"body":"both personally and intimate as"},{"speaker":"Carl Widger","startTime":1240.18,"endTime":1245.28,"body":"as well. So I have a couple that"},{"speaker":"Carl Widger","startTime":1245.28,"endTime":1250.26,"body":"I'll just kind of run through, I"},{"speaker":"Carl Widger","startTime":1245.28,"endTime":1250.26,"body":"think they, our client advisory"},{"speaker":"Carl Widger","startTime":1250.26,"endTime":1254.01,"body":"panel has been absolutely"},{"speaker":"Carl Widger","startTime":1250.26,"endTime":1254.01,"body":"amazing for us. So this is kind"},{"speaker":"Carl Widger","startTime":1254.01,"endTime":1256.3799999999999,"body":"of, I suppose specific to"},{"speaker":"Carl Widger","startTime":1254.01,"endTime":1256.3799999999999,"body":"business and our business and"},{"speaker":"Carl Widger","startTime":1256.3799999999999,"endTime":1259.29,"body":"how we run our business. So it's"},{"speaker":"Carl Widger","startTime":1256.3799999999999,"endTime":1259.29,"body":"a bunch of our best clients. And"},{"speaker":"Carl Widger","startTime":1259.29,"endTime":1263.28,"body":"we get together, maybe twice a"},{"speaker":"Carl Widger","startTime":1259.29,"endTime":1263.28,"body":"year, we do maybe two"},{"speaker":"Carl Widger","startTime":1263.28,"endTime":1266.67,"body":"presentations. So it kind of"},{"speaker":"Carl Widger","startTime":1263.28,"endTime":1266.67,"body":"gives them an update as to where"},{"speaker":"Carl Widger","startTime":1266.67,"endTime":1270.75,"body":"the businesses that give them"},{"speaker":"Carl Widger","startTime":1266.67,"endTime":1270.75,"body":"quite confidential information"},{"speaker":"Carl Widger","startTime":1270.75,"endTime":1274.05,"body":"in terms of finances, and all"},{"speaker":"Carl Widger","startTime":1270.75,"endTime":1274.05,"body":"that kind of stuff. And then"},{"speaker":"Carl Widger","startTime":1274.05,"endTime":1277.68,"body":"we'll do some other"},{"speaker":"Carl Widger","startTime":1274.05,"endTime":1277.68,"body":"presentation. So maybe one of"},{"speaker":"Carl Widger","startTime":1277.68,"endTime":1280.77,"body":"the team will present as to what"},{"speaker":"Carl Widger","startTime":1277.68,"endTime":1280.77,"body":"they're doing. I know, we just"},{"speaker":"Carl Widger","startTime":1280.77,"endTime":1285.6599999999999,"body":"opened the floor to kind of, you"},{"speaker":"Carl Widger","startTime":1280.77,"endTime":1285.6599999999999,"body":"know, I have, you know, kind of"},{"speaker":"Carl Widger","startTime":1285.69,"endTime":1289.83,"body":"some basic questions, what are"},{"speaker":"Carl Widger","startTime":1285.69,"endTime":1289.83,"body":"we doing well, what should we"},{"speaker":"Carl Widger","startTime":1289.86,"endTime":1292.53,"body":"continue to do? What are we not"},{"speaker":"Carl Widger","startTime":1289.86,"endTime":1292.53,"body":"doing? Well, what should we"},{"speaker":"Carl Widger","startTime":1292.53,"endTime":1296.1,"body":"definitely stop. And if we have"},{"speaker":"Carl Widger","startTime":1292.53,"endTime":1296.1,"body":"specific items coming up on our"},{"speaker":"Carl Widger","startTime":1296.1,"endTime":1299.58,"body":"kind of short to medium term"},{"speaker":"Carl Widger","startTime":1296.1,"endTime":1299.58,"body":"strategy, we'll just run those"},{"speaker":"Carl Widger","startTime":1299.58,"endTime":1302.3999999999999,"body":"by them. And they'll tell us if"},{"speaker":"Carl Widger","startTime":1299.58,"endTime":1302.3999999999999,"body":"they're a good idea or a bad"},{"speaker":"Carl Widger","startTime":1302.3999999999999,"endTime":1306.24,"body":"idea. And you know, it's not an"},{"speaker":"Carl Widger","startTime":1302.3999999999999,"endTime":1306.24,"body":"echo chamber, so that there have"},{"speaker":"Carl Widger","startTime":1306.24,"endTime":1308.3999999999999,"body":"been times where they went,"},{"speaker":"Carl Widger","startTime":1306.24,"endTime":1308.3999999999999,"body":"That's a terrible idea ditch"},{"speaker":"Carl Widger","startTime":1308.3999999999999,"endTime":1313.83,"body":"that. I like who best you know,"},{"speaker":"Carl Widger","startTime":1308.3999999999999,"endTime":1313.83,"body":"who could be better to tell us"},{"speaker":"Carl Widger","startTime":1313.83,"endTime":1317.04,"body":"exactly what we should be doing"},{"speaker":"Carl Widger","startTime":1313.83,"endTime":1317.04,"body":"in terms of our, you know,"},{"speaker":"Carl Widger","startTime":1317.04,"endTime":1320.82,"body":"strategic meet short or medium"},{"speaker":"Carl Widger","startTime":1317.04,"endTime":1320.82,"body":"term strategic goals than our"},{"speaker":"Carl Widger","startTime":1320.82,"endTime":1323.8799999999999,"body":"best clients. So that's worked"},{"speaker":"Carl Widger","startTime":1320.82,"endTime":1323.8799999999999,"body":"really, really well. And a"},{"speaker":"Carl Widger","startTime":1323.8799999999999,"endTime":1328.2,"body":"couple of years ago, back 2018,"},{"speaker":"Carl Widger","startTime":1323.8799999999999,"endTime":1328.2,"body":"I think, one of our best"},{"speaker":"Carl Widger","startTime":1328.2,"endTime":1331.86,"body":"clients, Tom Tierney, I asked"},{"speaker":"Carl Widger","startTime":1328.2,"endTime":1331.86,"body":"him to become chairman Tom has"},{"speaker":"Carl Widger","startTime":1332.6399999999999,"endTime":1337.05,"body":"was not in our industry was"},{"speaker":"Carl Widger","startTime":1332.6399999999999,"endTime":1337.05,"body":"involved in a couple of very"},{"speaker":"Carl Widger","startTime":1337.05,"endTime":1340.4099999999999,"body":"successful businesses. And Tom"},{"speaker":"Carl Widger","startTime":1337.05,"endTime":1340.4099999999999,"body":"has come in and acted as our"},{"speaker":"Carl Widger","startTime":1340.4099999999999,"endTime":1346.71,"body":"chairman, since since then, I"},{"speaker":"Carl Widger","startTime":1340.4099999999999,"endTime":1346.71,"body":"suppose the role has evolved. In"},{"speaker":"Carl Widger","startTime":1346.71,"endTime":1350.25,"body":"that I wanted to make sure the"},{"speaker":"Carl Widger","startTime":1346.71,"endTime":1350.25,"body":"Metis was, you know, acting like"},{"speaker":"Carl Widger","startTime":1350.25,"endTime":1353.52,"body":"a proper firm, as opposed to"},{"speaker":"Carl Widger","startTime":1350.25,"endTime":1353.52,"body":"flying by the seat of our pants,"},{"speaker":"Carl Widger","startTime":1353.52,"endTime":1357.0,"body":"which maybe we were a little"},{"speaker":"Carl Widger","startTime":1353.52,"endTime":1357.0,"body":"bit, and Tom has come in and you"},{"speaker":"Carl Widger","startTime":1357.0,"endTime":1360.36,"body":"know, made sure that our"},{"speaker":"Carl Widger","startTime":1357.0,"endTime":1360.36,"body":"corporate governance is is much"},{"speaker":"Carl Widger","startTime":1360.36,"endTime":1365.43,"body":"better. To 2019 We put together"},{"speaker":"Carl Widger","startTime":1360.36,"endTime":1365.43,"body":"a proper board, we do proper"},{"speaker":"Carl Widger","startTime":1365.43,"endTime":1367.98,"body":"board meetings, all that kind of"},{"speaker":"Carl Widger","startTime":1365.43,"endTime":1367.98,"body":"stuff. But more than that, Tom"},{"speaker":"Carl Widger","startTime":1367.98,"endTime":1372.51,"body":"has acted as a mentor, and, you"},{"speaker":"Carl Widger","startTime":1367.98,"endTime":1372.51,"body":"know, we run i Run i have an"},{"speaker":"Carl Widger","startTime":1372.51,"endTime":1376.08,"body":"awful lot of ideas. And there's"},{"speaker":"Carl Widger","startTime":1372.51,"endTime":1376.08,"body":"never a week goes by that I'm"},{"speaker":"Carl Widger","startTime":1376.08,"endTime":1381.0,"body":"not on the phone two or three"},{"speaker":"Carl Widger","startTime":1376.08,"endTime":1381.0,"body":"times at a time. And we can have"},{"speaker":"Carl Widger","startTime":1381.0,"endTime":1384.1499999999999,"body":"robust, robust discussions as"},{"speaker":"Carl Widger","startTime":1381.0,"endTime":1384.1499999999999,"body":"well. So that's worked really,"},{"speaker":"Carl Widger","startTime":1384.1499999999999,"endTime":1387.93,"body":"really well. And if you can find"},{"speaker":"Carl Widger","startTime":1384.1499999999999,"endTime":1387.93,"body":"someone who, you know, has a"},{"speaker":"Carl Widger","startTime":1387.96,"endTime":1390.96,"body":"knows the business and has been"},{"speaker":"Carl Widger","startTime":1387.96,"endTime":1390.96,"body":"there, done that, I think that's"},{"speaker":"Carl Widger","startTime":1390.99,"endTime":1395.3999999999999,"body":"absolutely brilliant. And we"},{"speaker":"Carl Widger","startTime":1390.99,"endTime":1395.3999999999999,"body":"brought in a consultant, Tommy"},{"speaker":"Carl Widger","startTime":1395.43,"endTime":1399.81,"body":"Geary of Chinko consulting, and"},{"speaker":"Carl Widger","startTime":1395.43,"endTime":1399.81,"body":"that was more around, you know,"},{"speaker":"Carl Widger","startTime":1399.93,"endTime":1404.58,"body":"putting together a high"},{"speaker":"Carl Widger","startTime":1399.93,"endTime":1404.58,"body":"performing team. And Tommy has"},{"speaker":"Carl Widger","startTime":1404.58,"endTime":1408.99,"body":"done great work in terms of, you"},{"speaker":"Carl Widger","startTime":1404.58,"endTime":1408.99,"body":"know, I suppose, asking the team"},{"speaker":"Carl Widger","startTime":1408.99,"endTime":1411.84,"body":"exactly what they want, and then"},{"speaker":"Carl Widger","startTime":1408.99,"endTime":1411.84,"body":"we delivered on it and there's"},{"speaker":"Carl Widger","startTime":1411.84,"endTime":1416.34,"body":"no point in bringing in these"},{"speaker":"Carl Widger","startTime":1411.84,"endTime":1416.34,"body":"consultants or coaches, if"},{"speaker":"Carl Widger","startTime":1416.34,"endTime":1419.34,"body":"you're not going to actually"},{"speaker":"Carl Widger","startTime":1416.34,"endTime":1419.34,"body":"deliver on, you know, the"},{"speaker":"Carl Widger","startTime":1419.37,"endTime":1422.76,"body":"recommendations and that kind of"},{"speaker":"Carl Widger","startTime":1419.37,"endTime":1422.76,"body":"stuff. So highly, highly"},{"speaker":"Carl Widger","startTime":1422.76,"endTime":1426.72,"body":"recommend that and Tommy's work"},{"speaker":"Carl Widger","startTime":1422.76,"endTime":1426.72,"body":"with us is ongoing as indeed Tom"},{"speaker":"Carl Widger","startTime":1426.72,"endTime":1432.0,"body":"Tierney's is, and I absolutely"},{"speaker":"Carl Widger","startTime":1426.72,"endTime":1432.0,"body":"value and respect their"},{"speaker":"Carl Widger","startTime":1432.0,"endTime":1435.72,"body":"opinions. And I think that's"},{"speaker":"Carl Widger","startTime":1432.0,"endTime":1435.72,"body":"absolutely crucial. And both"},{"speaker":"Carl Widger","startTime":1435.72,"endTime":1437.85,"body":"those guys as well have been"},{"speaker":"Carl Widger","startTime":1435.72,"endTime":1437.85,"body":"there, done that. And that's"},{"speaker":"Carl Widger","startTime":1437.85,"endTime":1441.03,"body":"really, really important. I've"},{"speaker":"Carl Widger","startTime":1437.85,"endTime":1441.03,"body":"meant mentioned a couple of"},{"speaker":"Carl Widger","startTime":1441.03,"endTime":1443.73,"body":"times the Monster High"},{"speaker":"Carl Widger","startTime":1441.03,"endTime":1443.73,"body":"Performance leadership course."},{"speaker":"Carl Widger","startTime":1443.73,"endTime":1446.49,"body":"So from a personal development"},{"speaker":"Carl Widger","startTime":1443.73,"endTime":1446.49,"body":"point of view, that totally"},{"speaker":"Carl Widger","startTime":1446.49,"endTime":1450.72,"body":"transformed how I approach"},{"speaker":"Carl Widger","startTime":1446.49,"endTime":1450.72,"body":"leadership. I won't go into it"},{"speaker":"Carl Widger","startTime":1450.72,"endTime":1456.09,"body":"again the Metis team as well as"},{"speaker":"Carl Widger","startTime":1450.72,"endTime":1456.09,"body":"as the team has evolved, and"},{"speaker":"Carl Widger","startTime":1456.09,"endTime":1459.3899999999999,"body":"I've I do believe and respect"},{"speaker":"Carl Widger","startTime":1456.09,"endTime":1459.3899999999999,"body":"that I have high performers with"},{"speaker":"Carl Widger","startTime":1459.3899999999999,"endTime":1463.71,"body":"me they inspire me and and"},{"speaker":"Carl Widger","startTime":1459.3899999999999,"endTime":1463.71,"body":"sometimes I'm a passenger in the"},{"speaker":"Carl Widger","startTime":1463.71,"endTime":1467.85,"body":"madness team and that's totally"},{"speaker":"Carl Widger","startTime":1463.71,"endTime":1467.85,"body":"okay to and so I would say I've"},{"speaker":"Carl Widger","startTime":1467.85,"endTime":1471.03,"body":"had an awful lot of inspiration"},{"speaker":"Carl Widger","startTime":1467.85,"endTime":1471.03,"body":"from there and then guys you"},{"speaker":"Carl Widger","startTime":1471.03,"endTime":1474.1499999999999,"body":"know, we call it the in our"},{"speaker":"Carl Widger","startTime":1471.03,"endTime":1474.1499999999999,"body":"WhatsApp group the Six Nations"},{"speaker":"Carl Widger","startTime":1474.1499999999999,"endTime":1478.71,"body":"but like I do see that"},{"speaker":"Carl Widger","startTime":1474.1499999999999,"endTime":1478.71,"body":"hopefully, I've added some value"},{"speaker":"Carl Widger","startTime":1478.71,"endTime":1483.57,"body":"myself but but certainly I've"},{"speaker":"Carl Widger","startTime":1478.71,"endTime":1483.57,"body":"got tremendous for those"},{"speaker":"Carl Widger","startTime":1483.57,"endTime":1488.28,"body":"listening on podcast, both Allen"},{"speaker":"Carl Widger","startTime":1483.57,"endTime":1488.28,"body":"and Nick are shaking their head"},{"speaker":"Carl Widger","startTime":1488.28,"endTime":1494.31,"body":"that I have not indeed that's"},{"speaker":"Carl Widger","startTime":1488.28,"endTime":1494.31,"body":"okay. Maybe someday but but"},{"speaker":"Carl Widger","startTime":1494.31,"endTime":1498.69,"body":"look, you know, I've said it"},{"speaker":"Carl Widger","startTime":1494.31,"endTime":1498.69,"body":"before 98 out of 100 messages in"},{"speaker":"Carl Widger","startTime":1498.69,"endTime":1502.44,"body":"our WhatsApp group have been you"},{"speaker":"Carl Widger","startTime":1498.69,"endTime":1502.44,"body":"know, about nothing really. But"},{"speaker":"Carl Widger","startTime":1548.52,"endTime":1553.77,"body":"Phil Yeah, yeah. That never ever"},{"speaker":"Carl Widger","startTime":1548.52,"endTime":1553.77,"body":"ever to be disclosed. But But"},{"speaker":"Carl Widger","startTime":1553.77,"endTime":1556.4099999999999,"body":"yeah, look, there are some"},{"speaker":"Carl Widger","startTime":1553.77,"endTime":1556.4099999999999,"body":"absolutely magical ideas out of"},{"speaker":"Carl Widger","startTime":1556.4099999999999,"endTime":1559.1999999999998,"body":"this and and certainly stuff"},{"speaker":"Carl Widger","startTime":1556.4099999999999,"endTime":1559.1999999999998,"body":"that I have put in place out of"},{"speaker":"Carl Widger","startTime":1559.1999999999998,"endTime":1563.07,"body":"this. So if you can find a bunch"},{"speaker":"Carl Widger","startTime":1559.1999999999998,"endTime":1563.07,"body":"of your peers who are going"},{"speaker":"Carl Widger","startTime":1563.07,"endTime":1567.57,"body":"through, you know, roughly"},{"speaker":"Carl Widger","startTime":1563.07,"endTime":1567.57,"body":"similar types of of scenarios"},{"speaker":"Carl Widger","startTime":1567.57,"endTime":1571.4099999999999,"body":"and and issues in their"},{"speaker":"Carl Widger","startTime":1567.57,"endTime":1571.4099999999999,"body":"business. I think you know,"},{"speaker":"Carl Widger","startTime":1571.4099999999999,"endTime":1575.37,"body":"that's absolute gold. If you"},{"speaker":"Carl Widger","startTime":1571.4099999999999,"endTime":1575.37,"body":"can, if you can, you know, like"},{"speaker":"Carl Widger","startTime":1575.37,"endTime":1577.35,"body":"know and trust people So yeah,"},{"speaker":"Carl Widger","startTime":1575.37,"endTime":1577.35,"body":"that's me."},{"speaker":"Nick Lincoln","startTime":1578.37,"endTime":1580.83,"body":"Okay. That's"},{"speaker":"Nick Lincoln","startTime":1578.37,"endTime":1580.83,"body":"thanks. Thank you, Alan and"},{"speaker":"Nick Lincoln","startTime":1580.83,"endTime":1583.35,"body":"Carl, that's great. Anandi"},{"speaker":"Nick Lincoln","startTime":1580.83,"endTime":1583.35,"body":"coming back to you, can you"},{"speaker":"Nick Lincoln","startTime":1583.4099999999999,"endTime":1588.33,"body":"identify one external person to"},{"speaker":"Nick Lincoln","startTime":1583.4099999999999,"endTime":1588.33,"body":"you, who is who has helped you"},{"speaker":"Nick Lincoln","startTime":1588.36,"endTime":1590.82,"body":"to become the successful IFA"},{"speaker":"Nick Lincoln","startTime":1588.36,"endTime":1590.82,"body":"that you are today?"},{"speaker":"Andy Hart","startTime":1593.34,"endTime":1595.77,"body":"Still on that"},{"speaker":"Andy Hart","startTime":1593.34,"endTime":1595.77,"body":"journey, I think we"},{"speaker":"Andy Hart","startTime":1595.77,"endTime":1598.2299999999998,"body":"underestimate how much stuff"},{"speaker":"Andy Hart","startTime":1595.77,"endTime":1598.2299999999998,"body":"we've consumed over the years."},{"speaker":"Andy Hart","startTime":1598.26,"endTime":1600.4199999999998,"body":"And we're talking about"},{"speaker":"Andy Hart","startTime":1598.26,"endTime":1600.4199999999998,"body":"coaching, but forget that it's"},{"speaker":"Andy Hart","startTime":1600.4199999999998,"endTime":1602.58,"body":"just it's just general personal"},{"speaker":"Andy Hart","startTime":1600.4199999999998,"endTime":1602.58,"body":"development. So us as"},{"speaker":"Andy Hart","startTime":1602.58,"endTime":1606.78,"body":"individuals, then as businesses,"},{"speaker":"Andy Hart","startTime":1602.58,"endTime":1606.78,"body":"I think I'll hit hit on the"},{"speaker":"Andy Hart","startTime":1606.78,"endTime":1608.9399999999998,"body":"point. It's other financial"},{"speaker":"Andy Hart","startTime":1606.78,"endTime":1608.9399999999998,"body":"advisors I've probably learned"},{"speaker":"Andy Hart","startTime":1608.9399999999998,"endTime":1613.4099999999999,"body":"the most from and it's and it's,"},{"speaker":"Andy Hart","startTime":1608.9399999999998,"endTime":1613.4099999999999,"body":"it's not in a sort of structured"},{"speaker":"Andy Hart","startTime":1613.4099999999999,"endTime":1616.7099999999998,"body":"way. It's just sometimes a"},{"speaker":"Andy Hart","startTime":1613.4099999999999,"endTime":1616.7099999999998,"body":"throwaway comment, or, you know,"},{"speaker":"Andy Hart","startTime":1616.7099999999998,"endTime":1621.6,"body":"a chat conference and one or two"},{"speaker":"Andy Hart","startTime":1616.7099999999998,"endTime":1621.6,"body":"ideas. You know, I'm, I think"},{"speaker":"Andy Hart","startTime":1621.6299999999999,"endTime":1626.4599999999998,"body":"it's fantastic. That is, is our"},{"speaker":"Andy Hart","startTime":1621.6299999999999,"endTime":1626.4599999999998,"body":"careers as financial advisors,"},{"speaker":"Andy Hart","startTime":1626.6699999999998,"endTime":1629.25,"body":"we're almost paid to become"},{"speaker":"Andy Hart","startTime":1626.6699999999998,"endTime":1629.25,"body":"better and better. You know, I"},{"speaker":"Andy Hart","startTime":1629.25,"endTime":1631.32,"body":"say to my clients, sometimes I"},{"speaker":"Andy Hart","startTime":1629.25,"endTime":1631.32,"body":"read all the books so you don't"},{"speaker":"Andy Hart","startTime":1631.32,"endTime":1633.4799999999998,"body":"have to, you know, we're"},{"speaker":"Andy Hart","startTime":1631.32,"endTime":1633.4799999999998,"body":"constantly reading marketing"},{"speaker":"Andy Hart","startTime":1633.4799999999998,"endTime":1635.34,"body":"books, constantly reading"},{"speaker":"Andy Hart","startTime":1633.4799999999998,"endTime":1635.34,"body":"business books, constantly"},{"speaker":"Andy Hart","startTime":1635.34,"endTime":1638.25,"body":"reading investment books,"},{"speaker":"Andy Hart","startTime":1635.34,"endTime":1638.25,"body":"constant listen to podcasts,"},{"speaker":"Andy Hart","startTime":1638.25,"endTime":1640.8,"body":"constantly listen to YouTube's"},{"speaker":"Andy Hart","startTime":1638.25,"endTime":1640.8,"body":"constantly going to conferences,"},{"speaker":"Andy Hart","startTime":1641.2199999999998,"endTime":1645.57,"body":"and constantly have social"},{"speaker":"Andy Hart","startTime":1641.2199999999998,"endTime":1645.57,"body":"occasions. So I mean, it's a"},{"speaker":"Andy Hart","startTime":1645.57,"endTime":1648.8999999999999,"body":"wider subject of personal"},{"speaker":"Andy Hart","startTime":1645.57,"endTime":1648.8999999999999,"body":"development. I mean, I've I've"},{"speaker":"Andy Hart","startTime":1648.9299999999998,"endTime":1652.08,"body":"massively been impacted by a"},{"speaker":"Andy Hart","startTime":1648.9299999999998,"endTime":1652.08,"body":"coach in the US called Nick"},{"speaker":"Andy Hart","startTime":1652.08,"endTime":1655.8899999999999,"body":"Murray. Again, I've gone out to"},{"speaker":"Andy Hart","startTime":1652.08,"endTime":1655.8899999999999,"body":"see his conference twice in New"},{"speaker":"Andy Hart","startTime":1655.8899999999999,"endTime":1658.6499999999999,"body":"York, I've consumed his"},{"speaker":"Andy Hart","startTime":1655.8899999999999,"endTime":1658.6499999999999,"body":"newsletter for seven or eight"},{"speaker":"Andy Hart","startTime":1658.6499999999999,"endTime":1663.06,"body":"years. I've yet just consumed as"},{"speaker":"Andy Hart","startTime":1658.6499999999999,"endTime":1663.06,"body":"much information as I can from"},{"speaker":"Andy Hart","startTime":1663.06,"endTime":1666.81,"body":"him read all of his books. I'm"},{"speaker":"Andy Hart","startTime":1663.06,"endTime":1666.81,"body":"hugely influenced by, you know,"},{"speaker":"Andy Hart","startTime":1666.81,"endTime":1669.33,"body":"Warren Buffett, Charlie Munger,"},{"speaker":"Andy Hart","startTime":1666.81,"endTime":1669.33,"body":"Jack Bogle, the sort of"},{"speaker":"Andy Hart","startTime":1669.4799999999998,"endTime":1673.1399999999999,"body":"heavyweights of this of this"},{"speaker":"Andy Hart","startTime":1669.4799999999998,"endTime":1673.1399999999999,"body":"mighty profession. And then I've"},{"speaker":"Andy Hart","startTime":1673.1399999999999,"endTime":1676.5,"body":"dabbled in a load of other sort"},{"speaker":"Andy Hart","startTime":1673.1399999999999,"endTime":1676.5,"body":"of courses and individuals"},{"speaker":"Andy Hart","startTime":1676.5,"endTime":1680.82,"body":"closer to home. Yeah, I think we"},{"speaker":"Andy Hart","startTime":1676.5,"endTime":1680.82,"body":"underestimate how much we have"},{"speaker":"Andy Hart","startTime":1680.82,"endTime":1683.61,"body":"consumed. I even put marketing"},{"speaker":"Andy Hart","startTime":1680.82,"endTime":1683.61,"body":"in that as well. You know, we've"},{"speaker":"Andy Hart","startTime":1683.61,"endTime":1685.9799999999998,"body":"we've all employed marketing"},{"speaker":"Andy Hart","startTime":1683.61,"endTime":1685.9799999999998,"body":"companies and consultants over"},{"speaker":"Andy Hart","startTime":1685.9799999999998,"endTime":1688.9499999999998,"body":"the years, they come into our"},{"speaker":"Andy Hart","startTime":1685.9799999999998,"endTime":1688.9499999999998,"body":"business, they tell us good"},{"speaker":"Andy Hart","startTime":1688.9499999999998,"endTime":1694.02,"body":"ideas, they, they explain things"},{"speaker":"Andy Hart","startTime":1688.9499999999998,"endTime":1694.02,"body":"to us. So yeah, I think, I think"},{"speaker":"Andy Hart","startTime":1694.02,"endTime":1697.7099999999998,"body":"yeah, we've, we've spent a lot"},{"speaker":"Andy Hart","startTime":1694.02,"endTime":1697.7099999999998,"body":"of time, effort and energy on"},{"speaker":"Andy Hart","startTime":1697.7099999999998,"endTime":1701.6999999999998,"body":"personal development and using"},{"speaker":"Andy Hart","startTime":1697.7099999999998,"endTime":1701.6999999999998,"body":"various different people. Even"},{"speaker":"Andy Hart","startTime":1701.6999999999998,"endTime":1703.9799999999998,"body":"yourself, Alan, obviously, you"},{"speaker":"Andy Hart","startTime":1701.6999999999998,"endTime":1703.9799999999998,"body":"you work with business"},{"speaker":"Andy Hart","startTime":1703.9799999999998,"endTime":1706.4399999999998,"body":"consultants, when you're, you"},{"speaker":"Andy Hart","startTime":1703.9799999999998,"endTime":1706.4399999999998,"body":"know, expanding your business"},{"speaker":"Andy Hart","startTime":1706.4399999999998,"endTime":1709.35,"body":"buying other businesses. So, you"},{"speaker":"Andy Hart","startTime":1706.4399999999998,"endTime":1709.35,"body":"know, I'm grouping everything"},{"speaker":"Andy Hart","startTime":1709.3799999999999,"endTime":1710.9399999999998,"body":"into that just everyone that"},{"speaker":"Andy Hart","startTime":1709.3799999999999,"endTime":1710.9399999999998,"body":"helps"},{"speaker":"Alan Smith","startTime":1710.9699999999998,"endTime":1714.03,"body":"when you got such a"},{"speaker":"Alan Smith","startTime":1710.9699999999998,"endTime":1714.03,"body":"wide topic here. And I'm just"},{"speaker":"Alan Smith","startTime":1714.03,"endTime":1717.51,"body":"reflecting on it. Because"},{"speaker":"Alan Smith","startTime":1714.03,"endTime":1717.51,"body":"there's there's different needs"},{"speaker":"Alan Smith","startTime":1717.51,"endTime":1720.9299999999998,"body":"and requirements. So one is one"},{"speaker":"Alan Smith","startTime":1717.51,"endTime":1720.9299999999998,"body":"of the reasons I think that we"},{"speaker":"Alan Smith","startTime":1720.9299999999998,"endTime":1723.7199999999998,"body":"all even starting this podcast"},{"speaker":"Alan Smith","startTime":1720.9299999999998,"endTime":1723.7199999999998,"body":"is because we're all quite"},{"speaker":"Alan Smith","startTime":1723.7199999999998,"endTime":1726.33,"body":"curious, right? I mean, that's"},{"speaker":"Alan Smith","startTime":1723.7199999999998,"endTime":1726.33,"body":"why we there's, there's, apart"},{"speaker":"Alan Smith","startTime":1726.33,"endTime":1728.28,"body":"from all the kind of you know,"},{"speaker":"Alan Smith","startTime":1726.33,"endTime":1728.28,"body":"that the so called ballroom"},{"speaker":"Alan Smith","startTime":1728.28,"endTime":1732.4199999999998,"body":"chat, which is all funny, and a"},{"speaker":"Alan Smith","startTime":1728.28,"endTime":1732.4199999999998,"body":"good laugh, there is a common"},{"speaker":"Alan Smith","startTime":1732.4199999999998,"endTime":1734.7299999999998,"body":"thread between all of us, which"},{"speaker":"Alan Smith","startTime":1732.4199999999998,"endTime":1734.7299999999998,"body":"is we're all into personal"},{"speaker":"Alan Smith","startTime":1734.7299999999998,"endTime":1737.04,"body":"development, when we want to"},{"speaker":"Alan Smith","startTime":1734.7299999999998,"endTime":1737.04,"body":"grow personally, we want to grow"},{"speaker":"Alan Smith","startTime":1737.04,"endTime":1739.32,"body":"professionally want to get"},{"speaker":"Alan Smith","startTime":1737.04,"endTime":1739.32,"body":"better. So we're all consuming"},{"speaker":"Alan Smith","startTime":1739.32,"endTime":1744.06,"body":"stuff. We read, we listen to"},{"speaker":"Alan Smith","startTime":1739.32,"endTime":1744.06,"body":"podcasts, and we do and we"},{"speaker":"Alan Smith","startTime":1744.06,"endTime":1747.1799999999998,"body":"discuss it just offline"},{"speaker":"Alan Smith","startTime":1744.06,"endTime":1747.1799999999998,"body":"everything ourselves. And we've"},{"speaker":"Alan Smith","startTime":1747.1799999999998,"endTime":1750.6899999999998,"body":"all and you're right, Carl, I"},{"speaker":"Alan Smith","startTime":1747.1799999999998,"endTime":1750.6899999999998,"body":"was joking, you've added a load,"},{"speaker":"Alan Smith","startTime":1750.7199999999998,"endTime":1753.2099999999998,"body":"you continue to add loads and"},{"speaker":"Alan Smith","startTime":1750.7199999999998,"endTime":1753.2099999999998,"body":"loads of ideas and inspiration"},{"speaker":"Alan Smith","startTime":1753.8999999999999,"endTime":1759.81,"body":"to this group. Look at him. He's"},{"speaker":"Alan Smith","startTime":1753.8999999999999,"endTime":1759.81,"body":"always he's frozen in shock. But"},{"speaker":"Alan Smith","startTime":1759.84,"endTime":1764.52,"body":"by the positive feedback, God,"},{"speaker":"Alan Smith","startTime":1759.84,"endTime":1764.52,"body":"so there is. So there's that. So"},{"speaker":"Alan Smith","startTime":1764.52,"endTime":1766.6799999999998,"body":"there's learning and I'm not"},{"speaker":"Alan Smith","startTime":1764.52,"endTime":1766.6799999999998,"body":"really sure Well, yeah, there is"},{"speaker":"Alan Smith","startTime":1766.7099999999998,"endTime":1769.3799999999999,"body":"you do get it from so called"},{"speaker":"Alan Smith","startTime":1766.7099999999998,"endTime":1769.3799999999999,"body":"consultants. But I think there's"},{"speaker":"Alan Smith","startTime":1769.3799999999999,"endTime":1772.29,"body":"better ways to consume I don't"},{"speaker":"Alan Smith","startTime":1769.3799999999999,"endTime":1772.29,"body":"need to sit in front of a person"},{"speaker":"Alan Smith","startTime":1772.29,"endTime":1775.53,"body":"and tell me I mean, there was"},{"speaker":"Alan Smith","startTime":1772.29,"endTime":1775.53,"body":"just no shortage of stuff. So we"},{"speaker":"Alan Smith","startTime":1775.53,"endTime":1778.83,"body":"all consume things in different"},{"speaker":"Alan Smith","startTime":1775.53,"endTime":1778.83,"body":"ways. But I come back to this"},{"speaker":"Alan Smith","startTime":1778.83,"endTime":1783.75,"body":"accountability thing, and"},{"speaker":"Alan Smith","startTime":1778.83,"endTime":1783.75,"body":"probably the gentleman in Carl's"},{"speaker":"Alan Smith","startTime":1783.75,"endTime":1786.12,"body":"life from professional"},{"speaker":"Alan Smith","startTime":1783.75,"endTime":1786.12,"body":"viewpoint, they are holding his"},{"speaker":"Alan Smith","startTime":1786.1499999999999,"endTime":1789.54,"body":"feet to the fire with his"},{"speaker":"Alan Smith","startTime":1786.1499999999999,"endTime":1789.54,"body":"potential or whatever it was, he"},{"speaker":"Alan Smith","startTime":1789.54,"endTime":1791.8799999999999,"body":"said, but so there's an"},{"speaker":"Alan Smith","startTime":1789.54,"endTime":1791.8799999999999,"body":"accountability rule and I think"},{"speaker":"Alan Smith","startTime":1791.8799999999999,"endTime":1795.8999999999999,"body":"that's the biggest thing of all"},{"speaker":"Alan Smith","startTime":1791.8799999999999,"endTime":1795.8999999999999,"body":"that I have referred to before"},{"speaker":"Alan Smith","startTime":1795.9299999999998,"endTime":1798.78,"body":"that's you know, we can learn"},{"speaker":"Alan Smith","startTime":1795.9299999999998,"endTime":1798.78,"body":"all the things in the world but"},{"speaker":"Alan Smith","startTime":1798.78,"endTime":1801.06,"body":"what's what are you going to do"},{"speaker":"Alan Smith","startTime":1798.78,"endTime":1801.06,"body":"about it? Once you've got this"},{"speaker":"Alan Smith","startTime":1801.06,"endTime":1802.86,"body":"knowledge all in your head? What"},{"speaker":"Andy Hart","startTime":1802.8899999999999,"endTime":1804.06,"body":"what are you going to"},{"speaker":"Andy Hart","startTime":1802.8899999999999,"endTime":1804.06,"body":"change?"},{"speaker":"Alan Smith","startTime":1804.09,"endTime":1805.4399999999998,"body":"This is a challenge"},{"speaker":"Alan Smith","startTime":1804.09,"endTime":1805.4399999999998,"body":"I've got even going to"},{"speaker":"Alan Smith","startTime":1805.4399999999998,"endTime":1808.26,"body":"conferences, use those you can"},{"speaker":"Alan Smith","startTime":1805.4399999999998,"endTime":1808.26,"body":"wave conference 27 different"},{"speaker":"Alan Smith","startTime":1808.26,"endTime":1810.6299999999999,"body":"ideas, think about law, I'm"},{"speaker":"Alan Smith","startTime":1808.26,"endTime":1810.6299999999999,"body":"overwhelmed and what to do, I'm"},{"speaker":"Alan Smith","startTime":1810.6299999999999,"endTime":1813.7199999999998,"body":"going to do anything Yeah, to"},{"speaker":"Alan Smith","startTime":1810.6299999999999,"endTime":1813.7199999999998,"body":"know if I can come away with one"},{"speaker":"Alan Smith","startTime":1813.7199999999998,"endTime":1817.02,"body":"idea and somebody holds me"},{"speaker":"Alan Smith","startTime":1813.7199999999998,"endTime":1817.02,"body":"accountable. So you said that"},{"speaker":"Alan Smith","startTime":1817.02,"endTime":1819.6599999999999,"body":"was a great idea. What"},{"speaker":"Alan Smith","startTime":1817.02,"endTime":1819.6599999999999,"body":"specifically are you going to do"},{"speaker":"Alan Smith","startTime":1819.6899999999998,"endTime":1823.1399999999999,"body":"in your business or your"},{"speaker":"Alan Smith","startTime":1819.6899999999998,"endTime":1823.1399999999999,"body":"personal life in order in order"},{"speaker":"Alan Smith","startTime":1823.1399999999999,"endTime":1827.4299999999998,"body":"to you know, to execute and take"},{"speaker":"Alan Smith","startTime":1823.1399999999999,"endTime":1827.4299999999998,"body":"action? So yeah, I think there's"},{"speaker":"Alan Smith","startTime":1827.4299999999998,"endTime":1829.6799999999998,"body":"a there's a wide wide range of"},{"speaker":"Alan Smith","startTime":1827.4299999999998,"endTime":1829.6799999999998,"body":"places to learn"},{"speaker":"Nick Lincoln","startTime":1829.86,"endTime":1830.7299999999998,"body":"your hammers race"},{"speaker":"Carl Widger","startTime":1830.7299999999998,"endTime":1832.6499999999999,"body":"car. Yeah, just"},{"speaker":"Carl Widger","startTime":1830.7299999999998,"endTime":1832.6499999999999,"body":"just to say like, look,"},{"speaker":"Carl Widger","startTime":1833.1599999999999,"endTime":1837.4799999999998,"body":"absolutely valid. On all fronts"},{"speaker":"Carl Widger","startTime":1833.1599999999999,"endTime":1837.4799999999998,"body":"there and Andy's point about"},{"speaker":"Carl Widger","startTime":1837.4799999999998,"endTime":1841.02,"body":"continually learning and being"},{"speaker":"Carl Widger","startTime":1837.4799999999998,"endTime":1841.02,"body":"curious and all that kind of"},{"speaker":"Carl Widger","startTime":1841.02,"endTime":1843.75,"body":"stuff. I think that's actually"},{"speaker":"Carl Widger","startTime":1841.02,"endTime":1843.75,"body":"probably the most important"},{"speaker":"Carl Widger","startTime":1843.75,"endTime":1847.59,"body":"thing, isn't it? You know, that"},{"speaker":"Carl Widger","startTime":1843.75,"endTime":1847.59,"body":"to always try and, you know,"},{"speaker":"Carl Widger","startTime":1847.86,"endTime":1851.37,"body":"learn more and do things better."},{"speaker":"Carl Widger","startTime":1847.86,"endTime":1851.37,"body":"And like after lunch the other"},{"speaker":"Carl Widger","startTime":1851.37,"endTime":1854.9099999999999,"body":"day, I had long conversations"},{"speaker":"Carl Widger","startTime":1851.37,"endTime":1854.9099999999999,"body":"with three different"},{"speaker":"Carl Widger","startTime":1854.9099999999999,"endTime":1858.0,"body":"individuals. And I can tell you,"},{"speaker":"Carl Widger","startTime":1854.9099999999999,"endTime":1858.0,"body":"I definitely learned an awful"},{"speaker":"Carl Widger","startTime":1858.0,"endTime":1861.2399999999998,"body":"lot out of each of those"},{"speaker":"Carl Widger","startTime":1858.0,"endTime":1861.2399999999998,"body":"conversations. I doubt any of"},{"speaker":"Carl Widger","startTime":1861.2399999999998,"endTime":1864.78,"body":"the three people learned my show"},{"speaker":"Carl Widger","startTime":1861.2399999999998,"endTime":1864.78,"body":"to me, like but but maybe"},{"speaker":"Carl Widger","startTime":1864.78,"endTime":1868.32,"body":"someday I'll be able to give"},{"speaker":"Carl Widger","startTime":1864.78,"endTime":1868.32,"body":"back but like, that's informal."},{"speaker":"Carl Widger","startTime":1868.4099999999999,"endTime":1873.33,"body":"It's in, you know, a social"},{"speaker":"Carl Widger","startTime":1868.4099999999999,"endTime":1873.33,"body":"setting but by God I you know, I"},{"speaker":"Carl Widger","startTime":1873.33,"endTime":1877.3799999999999,"body":"really got some absolute gold"},{"speaker":"Carl Widger","startTime":1873.33,"endTime":1877.3799999999999,"body":"out of that and So you could"},{"speaker":"Carl Widger","startTime":1877.3799999999999,"endTime":1880.6499999999999,"body":"remember it. Yeah. No, I can't I"},{"speaker":"Carl Widger","startTime":1877.3799999999999,"endTime":1880.6499999999999,"body":"can't Don't worry. I was in bed"},{"speaker":"Carl Widger","startTime":1880.6799999999998,"endTime":1883.1699999999998,"body":"alarm before you voice. But"},{"speaker":"Carl Widger","startTime":1880.6799999999998,"endTime":1883.1699999999998,"body":"anyway,"},{"speaker":"Nick Lincoln","startTime":1883.59,"endTime":1885.03,"body":"you in the sushi"},{"speaker":"Nick Lincoln","startTime":1883.59,"endTime":1885.03,"body":"you in the sushi."},{"speaker":"Carl Widger","startTime":1886.4099999999999,"endTime":1892.26,"body":"So now Nick, Have"},{"speaker":"Carl Widger","startTime":1886.4099999999999,"endTime":1892.26,"body":"we any new words for this week?"},{"speaker":"Carl Widger","startTime":1892.26,"endTime":1898.08,"body":"They anyway? Yeah, no luck. So I"},{"speaker":"Carl Widger","startTime":1892.26,"endTime":1898.08,"body":"think you know, don't only be"},{"speaker":"Carl Widger","startTime":1898.08,"endTime":1902.31,"body":"trying to, you know, engage"},{"speaker":"Carl Widger","startTime":1898.08,"endTime":1902.31,"body":"formally in terms of paying for"},{"speaker":"Carl Widger","startTime":1902.31,"endTime":1905.6999999999998,"body":"consultants and all that kind of"},{"speaker":"Carl Widger","startTime":1902.31,"endTime":1905.6999999999998,"body":"stuff, just just be curious and"},{"speaker":"Carl Widger","startTime":1905.6999999999998,"endTime":1908.85,"body":"just be that sponge and just go"},{"speaker":"Carl Widger","startTime":1905.6999999999998,"endTime":1908.85,"body":"and talk to people. And look,"},{"speaker":"Carl Widger","startTime":1908.8799999999999,"endTime":1911.4599999999998,"body":"we've said it before and we"},{"speaker":"Carl Widger","startTime":1908.8799999999999,"endTime":1911.4599999999998,"body":"people are nice people like to"},{"speaker":"Carl Widger","startTime":1911.4599999999998,"endTime":1915.6299999999999,"body":"help. So you know, as long as"},{"speaker":"Carl Widger","startTime":1911.4599999999998,"endTime":1915.6299999999999,"body":"you give off the vibe that look,"},{"speaker":"Carl Widger","startTime":1915.6299999999999,"endTime":1919.3799999999999,"body":"I'd like to learn from you, I"},{"speaker":"Carl Widger","startTime":1915.6299999999999,"endTime":1919.3799999999999,"body":"respect you and your views?"},{"speaker":"Carl Widger","startTime":1919.6499999999999,"endTime":1922.08,"body":"Well, then I think you're gonna"},{"speaker":"Carl Widger","startTime":1919.6499999999999,"endTime":1922.08,"body":"get absolute gold out of those"},{"speaker":"Carl Widger","startTime":1922.08,"endTime":1923.04,"body":"conversations."},{"speaker":"Alan Smith","startTime":1924.1499999999999,"endTime":1926.52,"body":"We raised in a"},{"speaker":"Alan Smith","startTime":1924.1499999999999,"endTime":1926.52,"body":"previous episode, the idea of"},{"speaker":"Alan Smith","startTime":1926.52,"endTime":1931.02,"body":"mastermind groups, if you're"},{"speaker":"Alan Smith","startTime":1926.52,"endTime":1931.02,"body":"not, in one, getting one create"},{"speaker":"Alan Smith","startTime":1931.02,"endTime":1934.53,"body":"if one doesn't exist locally"},{"speaker":"Alan Smith","startTime":1931.02,"endTime":1934.53,"body":"create one because there is not"},{"speaker":"Alan Smith","startTime":1934.53,"endTime":1936.9899999999998,"body":"another profession that I'm"},{"speaker":"Alan Smith","startTime":1934.53,"endTime":1936.9899999999998,"body":"aware of where people openly"},{"speaker":"Alan Smith","startTime":1936.9899999999998,"endTime":1940.56,"body":"share their very best ideas with"},{"speaker":"Alan Smith","startTime":1936.9899999999998,"endTime":1940.56,"body":"no expectation of anything."},{"speaker":"Alan Smith","startTime":1940.62,"endTime":1941.4299999999998,"body":"Anything bad. Yes,"},{"speaker":"Nick Lincoln","startTime":1942.36,"endTime":1945.09,"body":"definitely. Yeah,"},{"speaker":"Nick Lincoln","startTime":1942.36,"endTime":1945.09,"body":"I think that's just just maybe"},{"speaker":"Nick Lincoln","startTime":1945.09,"endTime":1948.8999999999999,"body":"just tying a bow on this as we,"},{"speaker":"Nick Lincoln","startTime":1945.09,"endTime":1948.8999999999999,"body":"as time moves through. And I've"},{"speaker":"Nick Lincoln","startTime":1948.8999999999999,"endTime":1951.6299999999999,"body":"said this before and Andy's to"},{"speaker":"Nick Lincoln","startTime":1948.8999999999999,"endTime":1951.6299999999999,"body":"definitely do this. But I do"},{"speaker":"Nick Lincoln","startTime":1951.6299999999999,"endTime":1957.57,"body":"think that the best help I've"},{"speaker":"Nick Lincoln","startTime":1951.6299999999999,"endTime":1957.57,"body":"had becoming the still not fully"},{"speaker":"Nick Lincoln","startTime":1957.57,"endTime":1959.9399999999998,"body":"formed person you see in front"},{"speaker":"Nick Lincoln","startTime":1957.57,"endTime":1959.9399999999998,"body":"of you today is from my peers."},{"speaker":"Nick Lincoln","startTime":1960.1799999999998,"endTime":1964.4099999999999,"body":"And that's, that's that's,"},{"speaker":"Nick Lincoln","startTime":1960.1799999999998,"endTime":1964.4099999999999,"body":"that's, that's as cold as said"},{"speaker":"Nick Lincoln","startTime":1964.4099999999999,"endTime":1967.26,"body":"those three people he spoke to"},{"speaker":"Nick Lincoln","startTime":1964.4099999999999,"endTime":1967.26,"body":"who, who later on had to be"},{"speaker":"Nick Lincoln","startTime":1967.26,"endTime":1971.04,"body":"revived, but at the time seemed"},{"speaker":"Nick Lincoln","startTime":1967.26,"endTime":1971.04,"body":"to be enjoying themselves. You"},{"speaker":"Nick Lincoln","startTime":1971.04,"endTime":1974.25,"body":"know, they will take much more"},{"speaker":"Nick Lincoln","startTime":1971.04,"endTime":1974.25,"body":"out of those conversations than"},{"speaker":"Nick Lincoln","startTime":1974.25,"endTime":1975.06,"body":"I think he would do."},{"speaker":"Carl Widger","startTime":1976.29,"endTime":1978.36,"body":"Is it okay to just"},{"speaker":"Carl Widger","startTime":1976.29,"endTime":1978.36,"body":"name check those people because"},{"speaker":"Carl Widger","startTime":1978.36,"endTime":1981.0,"body":"I did, I do really appreciate"},{"speaker":"Carl Widger","startTime":1978.36,"endTime":1981.0,"body":"it. And it was just a King"},{"speaker":"Carl Widger","startTime":1981.0,"endTime":1985.1399999999999,"body":"Robert Stevenson and David"},{"speaker":"Carl Widger","startTime":1981.0,"endTime":1985.1399999999999,"body":"Ferguson. So guys, look, thank"},{"speaker":"Carl Widger","startTime":1985.1399999999999,"endTime":1988.9499999999998,"body":"you for your time, I really"},{"speaker":"Carl Widger","startTime":1985.1399999999999,"endTime":1988.9499999999998,"body":"enjoyed it. And, you know, I've"},{"speaker":"Carl Widger","startTime":1988.9499999999998,"endTime":1992.58,"body":"taken stuff away that's"},{"speaker":"Carl Widger","startTime":1988.9499999999998,"endTime":1992.58,"body":"positively impacted me. So thank"},{"speaker":"Carl Widger","startTime":1992.58,"endTime":1993.2099999999998,"body":"you. Yeah,"},{"speaker":"Alan Smith","startTime":1993.2099999999998,"endTime":1996.4499999999998,"body":"and all legends in"},{"speaker":"Alan Smith","startTime":1993.2099999999998,"endTime":1996.4499999999998,"body":"their own lunchtime. But you"},{"speaker":"Alan Smith","startTime":1996.4499999999998,"endTime":2000.26,"body":"know, the thing that is in"},{"speaker":"Alan Smith","startTime":1996.4499999999998,"endTime":2000.26,"body":"common with them, and with you"},{"speaker":"Alan Smith","startTime":2000.26,"endTime":2004.1899999999998,"body":"and with us. And this is this is"},{"speaker":"Alan Smith","startTime":2000.26,"endTime":2004.1899999999998,"body":"the big difference about"},{"speaker":"Alan Smith","startTime":2004.1899999999998,"endTime":2008.1799999999998,"body":"consultants, and all the other"},{"speaker":"Alan Smith","startTime":2004.1899999999998,"endTime":2008.1799999999998,"body":"things is that they have been in"},{"speaker":"Alan Smith","startTime":2008.1799999999998,"endTime":2011.3,"body":"the arena, if they aren't"},{"speaker":"Alan Smith","startTime":2008.1799999999998,"endTime":2011.3,"body":"already. And the mean, and the"},{"speaker":"Alan Smith","startTime":2011.3,"endTime":2014.6899999999998,"body":"names that you mentioned are and"},{"speaker":"Alan Smith","startTime":2011.3,"endTime":2014.6899999999998,"body":"all of us are, we are to quote"},{"speaker":"Alan Smith","startTime":2014.6899999999998,"endTime":2018.1699999999998,"body":"that famous speech, we are all"},{"speaker":"Alan Smith","startTime":2014.6899999999998,"endTime":2018.1699999999998,"body":"in the arena, we're getting"},{"speaker":"Alan Smith","startTime":2018.1699999999998,"endTime":2020.81,"body":"covered in blood and mud and"},{"speaker":"Alan Smith","startTime":2018.1699999999998,"endTime":2020.81,"body":"shit and everything else and"},{"speaker":"Alan Smith","startTime":2020.81,"endTime":2024.1699999999998,"body":"we're fighting the good fight."},{"speaker":"Alan Smith","startTime":2020.81,"endTime":2024.1699999999998,"body":"With all due respect some of the"},{"speaker":"Alan Smith","startTime":2024.1699999999998,"endTime":2027.4399999999998,"body":"consultants the job of a"},{"speaker":"Alan Smith","startTime":2024.1699999999998,"endTime":2027.4399999999998,"body":"consultant is to go around and"},{"speaker":"Alan Smith","startTime":2027.4399999999998,"endTime":2029.4199999999998,"body":"tell other people what to do"},{"speaker":"Alan Smith","startTime":2027.4399999999998,"endTime":2029.4199999999998,"body":"without necessarily having to"},{"speaker":"Alan Smith","startTime":2029.4199999999998,"endTime":2033.4399999999998,"body":"let the same level of scars as"},{"speaker":"Alan Smith","startTime":2029.4199999999998,"endTime":2033.4399999999998,"body":"the rest of us have. So when"},{"speaker":"Alan Smith","startTime":2033.4399999999998,"endTime":2035.09,"body":"you're having a conversation"},{"speaker":"Alan Smith","startTime":2033.4399999999998,"endTime":2035.09,"body":"with somebody, you've got a"},{"speaker":"Alan Smith","startTime":2035.09,"endTime":2038.06,"body":"particular issue or challenge"},{"speaker":"Alan Smith","startTime":2035.09,"endTime":2038.06,"body":"you're faced with. And you speak"},{"speaker":"Alan Smith","startTime":2038.06,"endTime":2041.4799999999998,"body":"to a fellow adviser or business"},{"speaker":"Alan Smith","startTime":2038.06,"endTime":2041.4799999999998,"body":"owner, and they say, Oh, we had"},{"speaker":"Alan Smith","startTime":2041.4799999999998,"endTime":2043.76,"body":"that three years ago, this is"},{"speaker":"Alan Smith","startTime":2041.4799999999998,"endTime":2043.76,"body":"what we did, or this is what we"},{"speaker":"Alan Smith","startTime":2043.76,"endTime":2045.9499999999998,"body":"got wrong. I'd be happy to share"},{"speaker":"Alan Smith","startTime":2043.76,"endTime":2045.9499999999998,"body":"all the things, the things that"},{"speaker":"Alan Smith","startTime":2045.9499999999998,"endTime":2049.34,"body":"we screwed up on. That's where"},{"speaker":"Alan Smith","startTime":2045.9499999999998,"endTime":2049.34,"body":"you learned the most is from"},{"speaker":"Alan Smith","startTime":2049.34,"endTime":2052.64,"body":"those who've really had the"},{"speaker":"Alan Smith","startTime":2049.34,"endTime":2052.64,"body":"battle scars to prove it and"},{"speaker":"Alan Smith","startTime":2052.64,"endTime":2053.69,"body":"through the experience."},{"speaker":"Andy Hart","startTime":2054.29,"endTime":2056.96,"body":"And there is there is"},{"speaker":"Andy Hart","startTime":2054.29,"endTime":2056.96,"body":"quite a few good consultants out"},{"speaker":"Andy Hart","startTime":2056.96,"endTime":2060.11,"body":"there. But a lot of them go into"},{"speaker":"Andy Hart","startTime":2056.96,"endTime":2060.11,"body":"IFA firms, you know, early on in"},{"speaker":"Andy Hart","startTime":2060.11,"endTime":2063.11,"body":"their career, they learn a load"},{"speaker":"Andy Hart","startTime":2060.11,"endTime":2063.11,"body":"of good stuff from one firm and"},{"speaker":"Andy Hart","startTime":2063.11,"endTime":2067.31,"body":"then they repackage it and you"},{"speaker":"Andy Hart","startTime":2063.11,"endTime":2067.31,"body":"know, issue it to firm B like"},{"speaker":"Andy Hart","startTime":2067.31,"endTime":2071.48,"body":"it's their original idea. So"},{"speaker":"Andy Hart","startTime":2067.31,"endTime":2071.48,"body":"some of the best ideas that"},{"speaker":"Andy Hart","startTime":2071.48,"endTime":2073.49,"body":"consultants get have come from"},{"speaker":"Andy Hart","startTime":2071.48,"endTime":2073.49,"body":"other financial advisors is what"},{"speaker":"Andy Hart","startTime":2073.49,"endTime":2074.03,"body":"I'm getting at."},{"speaker":"Carl Widger","startTime":2076.67,"endTime":2079.55,"body":"There are no"},{"speaker":"Carl Widger","startTime":2076.67,"endTime":2079.55,"body":"original ideas. We're just"},{"speaker":"Carl Widger","startTime":2079.55,"endTime":2081.14,"body":"repackaging all the time."},{"speaker":"Nick Lincoln","startTime":2081.17,"endTime":2083.48,"body":"Okay. Oh, we have"},{"speaker":"Nick Lincoln","startTime":2081.17,"endTime":2083.48,"body":"bigger than that damn good"},{"speaker":"Nick Lincoln","startTime":2083.48,"endTime":2093.68,"body":"thrashing. We didn't have"},{"speaker":"Nick Lincoln","startTime":2083.48,"endTime":2093.68,"body":"storytelling with"},{"speaker":"Andy Hart","startTime":2093.68,"endTime":2094.34,"body":"Alan Smith."},{"speaker":"Nick Lincoln","startTime":2094.94,"endTime":2096.47,"body":"No, we didn't have"},{"speaker":"Nick Lincoln","startTime":2094.94,"endTime":2096.47,"body":"Showtime that Miss Smith was"},{"speaker":"Nick Lincoln","startTime":2096.47,"endTime":2098.66,"body":"spotted was you know, I'm being"},{"speaker":"Nick Lincoln","startTime":2096.47,"endTime":2098.66,"body":"judicious with it. But now"},{"speaker":"Nick Lincoln","startTime":2098.66,"endTime":2100.43,"body":"you've mentioned that people are"},{"speaker":"Nick Lincoln","startTime":2098.66,"endTime":2100.43,"body":"going to think about it. So"},{"speaker":"Nick Lincoln","startTime":2100.43,"endTime":2103.19,"body":"again, we've been here for the"},{"speaker":"Nick Lincoln","startTime":2100.43,"endTime":2103.19,"body":"next episode either, right? Alan"},{"speaker":"Nick Lincoln","startTime":2103.19,"endTime":2107.06,"body":"Smith, your business planning"},{"speaker":"Nick Lincoln","startTime":2103.19,"endTime":2107.06,"body":"process for 2023 and beyond."},{"speaker":"Nick Lincoln","startTime":2107.72,"endTime":2113.12,"body":"This might be this might be the"},{"speaker":"Nick Lincoln","startTime":2107.72,"endTime":2113.12,"body":"chance to do Polaroid, Nicholas."},{"speaker":"Unknown","startTime":2118.04,"endTime":2123.47,"body":"Grab yourself a drink a"},{"speaker":"Unknown","startTime":2118.04,"endTime":2123.47,"body":"very long drink it Storytime"},{"speaker":"Unknown","startTime":2123.68,"endTime":2125.21,"body":"with Ellen Smith."},{"speaker":"Alan Smith","startTime":2128.27,"endTime":2131.15,"body":"Now, this is going"},{"speaker":"Alan Smith","startTime":2128.27,"endTime":2131.15,"body":"to sound increasingly contrived"},{"speaker":"Alan Smith","startTime":2131.21,"endTime":2133.85,"body":"and I say every week but we"},{"speaker":"Alan Smith","startTime":2131.21,"endTime":2133.85,"body":"don't have to have that jingle"},{"speaker":"Alan Smith","startTime":2133.88,"endTime":2137.54,"body":"on but I do want to give a"},{"speaker":"Alan Smith","startTime":2133.88,"endTime":2137.54,"body":"little bit of background to"},{"speaker":"Alan Smith","startTime":2137.54,"endTime":2142.79,"body":"this. Cast your minds back"},{"speaker":"Alan Smith","startTime":2137.54,"endTime":2142.79,"body":"ladies and gentleman listeners"},{"speaker":"Alan Smith","startTime":2142.79,"endTime":2149.0899999999997,"body":"to to win, win COVID hit and"},{"speaker":"Alan Smith","startTime":2142.79,"endTime":2149.0899999999997,"body":"lockdown came it was March 2020."},{"speaker":"Alan Smith","startTime":2149.7799999999997,"endTime":2155.66,"body":"Right. Some of you will know I"},{"speaker":"Alan Smith","startTime":2149.7799999999997,"endTime":2155.66,"body":"live in London in central London"},{"speaker":"Alan Smith","startTime":2155.69,"endTime":2158.24,"body":"and I knew the direction of"},{"speaker":"Alan Smith","startTime":2155.69,"endTime":2158.24,"body":"travel. I knew what we're going"},{"speaker":"Alan Smith","startTime":2158.24,"endTime":2161.48,"body":"to be be faced with which was a"},{"speaker":"Alan Smith","startTime":2158.24,"endTime":2161.48,"body":"complete and utter lockdown. You"},{"speaker":"Alan Smith","startTime":2161.48,"endTime":2163.8199999999997,"body":"weren't allowed to leave your"},{"speaker":"Alan Smith","startTime":2161.48,"endTime":2163.8199999999997,"body":"house. Remember those days? You"},{"speaker":"Alan Smith","startTime":2163.8199999999997,"endTime":2167.7799999999997,"body":"load out once a day for exercise"},{"speaker":"Alan Smith","startTime":2163.8199999999997,"endTime":2167.7799999999997,"body":"or some such nonsense. And I"},{"speaker":"Alan Smith","startTime":2167.7799999999997,"endTime":2172.19,"body":"thought I don't fancy being"},{"speaker":"Alan Smith","startTime":2167.7799999999997,"endTime":2172.19,"body":"locked down here. So I packed up"},{"speaker":"Alan Smith","startTime":2172.19,"endTime":2177.65,"body":"my other half my children threw"},{"speaker":"Alan Smith","startTime":2172.19,"endTime":2177.65,"body":"them in the car and went off"},{"speaker":"Alan Smith","startTime":2177.65,"endTime":2180.95,"body":"down to the south coast or"},{"speaker":"Alan Smith","startTime":2177.65,"endTime":2180.95,"body":"rented a cottage which was"},{"speaker":"Alan Smith","startTime":2180.95,"endTime":2184.5499999999997,"body":"available to a friend of mine."},{"speaker":"Alan Smith","startTime":2180.95,"endTime":2184.5499999999997,"body":"And I locked myself up there for"},{"speaker":"Alan Smith","startTime":2184.5499999999997,"endTime":2188.8399999999997,"body":"months and months and months."},{"speaker":"Alan Smith","startTime":2184.5499999999997,"endTime":2188.8399999999997,"body":"And in many ways, I know it was"},{"speaker":"Alan Smith","startTime":2188.8399999999997,"endTime":2190.88,"body":"a very, very difficult time for"},{"speaker":"Alan Smith","startTime":2188.8399999999997,"endTime":2190.88,"body":"people and for the country. But"},{"speaker":"Alan Smith","startTime":2190.88,"endTime":2192.95,"body":"it was a it was quite a good"},{"speaker":"Alan Smith","startTime":2190.88,"endTime":2192.95,"body":"time. For me, the weather was"},{"speaker":"Alan Smith","startTime":2192.98,"endTime":2198.3199999999997,"body":"good. And I just I had all of a"},{"speaker":"Alan Smith","startTime":2192.98,"endTime":2198.3199999999997,"body":"sudden, I had time and space to"},{"speaker":"Alan Smith","startTime":2198.3199999999997,"endTime":2201.38,"body":"think. And I used to take myself"},{"speaker":"Alan Smith","startTime":2198.3199999999997,"endTime":2201.38,"body":"for a walk on the beach every"},{"speaker":"Alan Smith","startTime":2201.38,"endTime":2204.2599999999998,"body":"single morning. And I would"},{"speaker":"Alan Smith","startTime":2201.38,"endTime":2204.2599999999998,"body":"begin to formulate because by"},{"speaker":"Alan Smith","startTime":2204.2599999999998,"endTime":2207.41,"body":"that time, I'd been in business"},{"speaker":"Alan Smith","startTime":2204.2599999999998,"endTime":2207.41,"body":"for up to 1516 years, and we'd"},{"speaker":"Alan Smith","startTime":2207.41,"endTime":2211.5499999999997,"body":"achieved a degree of success."},{"speaker":"Alan Smith","startTime":2207.41,"endTime":2211.5499999999997,"body":"But I've never had much of a"},{"speaker":"Alan Smith","startTime":2211.5499999999997,"endTime":2215.18,"body":"chance in those days to, you"},{"speaker":"Alan Smith","startTime":2211.5499999999997,"endTime":2215.18,"body":"know, just to pause, pause for"},{"speaker":"Alan Smith","startTime":2215.18,"endTime":2217.85,"body":"breath, and reflect and decide"},{"speaker":"Alan Smith","startTime":2215.18,"endTime":2217.85,"body":"what the next chapter was going"},{"speaker":"Alan Smith","startTime":2217.85,"endTime":2220.19,"body":"to look like. Stop laughing"},{"speaker":"Alan Smith","startTime":2217.85,"endTime":2220.19,"body":"Lincoln."},{"speaker":"Nick Lincoln","startTime":2220.52,"endTime":2222.8599999999997,"body":"So I'm waiting for"},{"speaker":"Nick Lincoln","startTime":2220.52,"endTime":2222.8599999999997,"body":"you to pause for breath. But"},{"speaker":"Alan Smith","startTime":2225.44,"endTime":2226.46,"body":"so that's where"},{"speaker":"Carl Widger","startTime":2226.73,"endTime":2228.23,"body":"he's breathing"},{"speaker":"Carl Widger","startTime":2226.73,"endTime":2228.23,"body":"through his ears."},{"speaker":"Alan Smith","startTime":2228.74,"endTime":2233.24,"body":"The idea or business"},{"speaker":"Alan Smith","startTime":2228.74,"endTime":2233.24,"body":"planning probably came in"},{"speaker":"Alan Smith","startTime":2233.24,"endTime":2236.2999999999997,"body":"because I've never really built"},{"speaker":"Alan Smith","startTime":2233.24,"endTime":2236.2999999999997,"body":"much of a proper thought through"},{"speaker":"Alan Smith","startTime":2236.2999999999997,"endTime":2240.08,"body":"business plan up until then it"},{"speaker":"Alan Smith","startTime":2236.2999999999997,"endTime":2240.08,"body":"was to quote Mr. widget and"},{"speaker":"Alan Smith","startTime":2240.08,"endTime":2242.63,"body":"flying by the seat of our pants"},{"speaker":"Alan Smith","startTime":2240.08,"endTime":2242.63,"body":"and making it up as we go along."},{"speaker":"Alan Smith","startTime":2242.63,"endTime":2246.2599999999998,"body":"So that was a kind of a COVID"},{"speaker":"Alan Smith","startTime":2242.63,"endTime":2246.2599999999998,"body":"dividend, if I may say it just"},{"speaker":"Alan Smith","startTime":2246.35,"endTime":2249.44,"body":"the time and the space to think"},{"speaker":"Alan Smith","startTime":2246.35,"endTime":2249.44,"body":"go for long reflective walks and"},{"speaker":"Alan Smith","startTime":2249.44,"endTime":2251.2999999999997,"body":"kind of think about what the"},{"speaker":"Alan Smith","startTime":2249.44,"endTime":2251.2999999999997,"body":"next chapter was going to look"},{"speaker":"Alan Smith","startTime":2251.2999999999997,"endTime":2254.5699999999997,"body":"like, for the business. And as a"},{"speaker":"Alan Smith","startTime":2251.2999999999997,"endTime":2254.5699999999997,"body":"result of that, we rolled round"},{"speaker":"Alan Smith","startTime":2254.5699999999997,"endTime":2257.72,"body":"into beginning to towards the"},{"speaker":"Alan Smith","startTime":2254.5699999999997,"endTime":2257.72,"body":"end of 2020. And then beginning"},{"speaker":"Alan Smith","startTime":2257.9,"endTime":2261.65,"body":"of 2021, I got together with the"},{"speaker":"Alan Smith","startTime":2257.9,"endTime":2261.65,"body":"team, I can't even remember now"},{"speaker":"Alan Smith","startTime":2261.65,"endTime":2263.99,"body":"whether we did it remotely or"},{"speaker":"Alan Smith","startTime":2261.65,"endTime":2263.99,"body":"not. Because we were in and out"},{"speaker":"Alan Smith","startTime":2263.99,"endTime":2269.45,"body":"of lockdowns at the time. But I"},{"speaker":"Alan Smith","startTime":2263.99,"endTime":2269.45,"body":"built a five year plan at the"},{"speaker":"Alan Smith","startTime":2269.45,"endTime":2273.29,"body":"time, and it was documented,"},{"speaker":"Alan Smith","startTime":2269.45,"endTime":2273.29,"body":"what we're going to do what good"},{"speaker":"Alan Smith","startTime":2273.29,"endTime":2276.56,"body":"looks like very, very specific."},{"speaker":"Alan Smith","startTime":2273.29,"endTime":2276.56,"body":"So it was designed to be this is"},{"speaker":"Alan Smith","startTime":2276.56,"endTime":2281.18,"body":"what the business will look and"},{"speaker":"Alan Smith","startTime":2276.56,"endTime":2281.18,"body":"feel and experience like by"},{"speaker":"Alan Smith","startTime":2281.18,"endTime":2284.15,"body":"December 2025, which was gonna"},{"speaker":"Alan Smith","startTime":2281.18,"endTime":2284.15,"body":"be five full calendar years, by"},{"speaker":"Alan Smith","startTime":2284.15,"endTime":2288.65,"body":"the time we'd launched the whole"},{"speaker":"Alan Smith","startTime":2284.15,"endTime":2288.65,"body":"thing. Fundamentally, it was a"},{"speaker":"Alan Smith","startTime":2288.65,"endTime":2293.0299999999997,"body":"growth story, I refer back to"},{"speaker":"Alan Smith","startTime":2288.65,"endTime":2293.0299999999997,"body":"some of the conversations we've"},{"speaker":"Alan Smith","startTime":2293.0299999999997,"endTime":2295.97,"body":"had before lifestyle business"},{"speaker":"Alan Smith","startTime":2293.0299999999997,"endTime":2295.97,"body":"versus kind of scaled or growing"},{"speaker":"Alan Smith","startTime":2295.97,"endTime":2299.7799999999997,"body":"or larger practices. And I was"},{"speaker":"Alan Smith","startTime":2295.97,"endTime":2299.7799999999997,"body":"all about I thought, I've spent"},{"speaker":"Alan Smith","startTime":2299.7799999999997,"endTime":2302.18,"body":"so much time building the"},{"speaker":"Alan Smith","startTime":2299.7799999999997,"endTime":2302.18,"body":"foundations of this business"},{"speaker":"Alan Smith","startTime":2302.18,"endTime":2306.17,"body":"that to carry on and sort of"},{"speaker":"Alan Smith","startTime":2302.18,"endTime":2306.17,"body":"tick tick along without focusing"},{"speaker":"Alan Smith","startTime":2306.17,"endTime":2308.72,"body":"on growth, which seemed like a"},{"speaker":"Alan Smith","startTime":2306.17,"endTime":2308.72,"body":"missed opportunity. So I've"},{"speaker":"Alan Smith","startTime":2308.72,"endTime":2311.3599999999997,"body":"documented and a range of ways"},{"speaker":"Alan Smith","startTime":2308.72,"endTime":2311.3599999999997,"body":"that we were going to achieve"},{"speaker":"Alan Smith","startTime":2311.3599999999997,"endTime":2314.2999999999997,"body":"it, but we're all about"},{"speaker":"Alan Smith","startTime":2311.3599999999997,"endTime":2314.2999999999997,"body":"fundamentally doubling in size,"},{"speaker":"Alan Smith","startTime":2314.48,"endTime":2317.72,"body":"and then maybe doubling again,"},{"speaker":"Alan Smith","startTime":2314.48,"endTime":2317.72,"body":"or over a period of time. And"},{"speaker":"Alan Smith","startTime":2317.72,"endTime":2319.8199999999997,"body":"I've mapped it all out, shared"},{"speaker":"Alan Smith","startTime":2317.72,"endTime":2319.8199999999997,"body":"it with the team. And it was"},{"speaker":"Alan Smith","startTime":2319.8199999999997,"endTime":2323.24,"body":"great. It was a very sort of"},{"speaker":"Alan Smith","startTime":2319.8199999999997,"endTime":2323.24,"body":"energetic response from the"},{"speaker":"Alan Smith","startTime":2323.24,"endTime":2326.69,"body":"team. And everyone we could"},{"speaker":"Alan Smith","startTime":2323.24,"endTime":2326.69,"body":"everyone could see benefits in,"},{"speaker":"Alan Smith","startTime":2327.2,"endTime":2329.9,"body":"in growing as a business, it was"},{"speaker":"Alan Smith","startTime":2327.2,"endTime":2329.9,"body":"going to be very impactful for"},{"speaker":"Alan Smith","startTime":2329.9,"endTime":2332.06,"body":"our clients, we know the good"},{"speaker":"Alan Smith","startTime":2329.9,"endTime":2332.06,"body":"work that we do for our clients."},{"speaker":"Alan Smith","startTime":2332.06,"endTime":2334.49,"body":"So why do we not want to do it"},{"speaker":"Alan Smith","startTime":2332.06,"endTime":2334.49,"body":"for more? I mean, know that"},{"speaker":"Alan Smith","startTime":2334.49,"endTime":2337.58,"body":"larger a business is the more"},{"speaker":"Alan Smith","startTime":2334.49,"endTime":2337.58,"body":"opportunities that are for those"},{"speaker":"Alan Smith","startTime":2337.58,"endTime":2341.5699999999997,"body":"working than the business. So it"},{"speaker":"Alan Smith","startTime":2337.58,"endTime":2341.5699999999997,"body":"was it was well documented. And"},{"speaker":"Alan Smith","startTime":2341.5699999999997,"endTime":2346.1,"body":"I mean, believe me, it's as who"},{"speaker":"Alan Smith","startTime":2341.5699999999997,"endTime":2346.1,"body":"is it? I think Andy said, or"},{"speaker":"Alan Smith","startTime":2346.1,"endTime":2350.45,"body":"heard say before, man plans and"},{"speaker":"Alan Smith","startTime":2346.1,"endTime":2350.45,"body":"God laughs because I tell you"},{"speaker":"Alan Smith","startTime":2350.45,"endTime":2354.14,"body":"the plan we made, we have not"},{"speaker":"Alan Smith","startTime":2350.45,"endTime":2354.14,"body":"followed that to the letter, we"},{"speaker":"Alan Smith","startTime":2354.14,"endTime":2357.35,"body":"have sort of, you know, gone"},{"speaker":"Alan Smith","startTime":2354.14,"endTime":2357.35,"body":"left gone, right. But we're"},{"speaker":"Alan Smith","startTime":2357.35,"endTime":2361.22,"body":"still broadly on track and on"},{"speaker":"Alan Smith","startTime":2357.35,"endTime":2361.22,"body":"target for our for our growth"},{"speaker":"Alan Smith","startTime":2361.22,"endTime":2363.44,"body":"story. So I'm thinking as we're"},{"speaker":"Alan Smith","startTime":2361.22,"endTime":2363.44,"body":"heading towards the end of the"},{"speaker":"Alan Smith","startTime":2363.44,"endTime":2367.0099999999998,"body":"year, I'm just I'm raising it as"},{"speaker":"Alan Smith","startTime":2363.44,"endTime":2367.0099999999998,"body":"an issue and wondering what"},{"speaker":"Alan Smith","startTime":2367.0099999999998,"endTime":2372.29,"body":"other people do if anything"},{"speaker":"Alan Smith","startTime":2367.0099999999998,"endTime":2372.29,"body":"around business plans, business"},{"speaker":"Alan Smith","startTime":2372.29,"endTime":2377.18,"body":"objective documentation, you"},{"speaker":"Alan Smith","startTime":2372.29,"endTime":2377.18,"body":"know, how you achieve what"},{"speaker":"Alan Smith","startTime":2377.18,"endTime":2380.6,"body":"you're trying to achieve within"},{"speaker":"Alan Smith","startTime":2377.18,"endTime":2380.6,"body":"your businesses. The specifics"},{"speaker":"Alan Smith","startTime":2380.6,"endTime":2383.93,"body":"that we do is we've we've"},{"speaker":"Alan Smith","startTime":2380.6,"endTime":2383.93,"body":"adopted historically years ago,"},{"speaker":"Alan Smith","startTime":2383.93,"endTime":2387.47,"body":"we adopted broadly that what's"},{"speaker":"Alan Smith","startTime":2383.93,"endTime":2387.47,"body":"called the traction model, but"},{"speaker":"Alan Smith","startTime":2387.5,"endTime":2391.04,"body":"rip from a book called Traction"},{"speaker":"Alan Smith","startTime":2387.5,"endTime":2391.04,"body":"by Gino Wickman. But we've kind"},{"speaker":"Alan Smith","startTime":2391.04,"endTime":2395.48,"body":"of pivoted it slightly. And we"},{"speaker":"Alan Smith","startTime":2391.04,"endTime":2395.48,"body":"embrace a concept that comes out"},{"speaker":"Alan Smith","startTime":2395.48,"endTime":2397.94,"body":"of Silicon Valley called"},{"speaker":"Alan Smith","startTime":2395.48,"endTime":2397.94,"body":"objectives and key results."},{"speaker":"Alan Smith","startTime":2398.72,"endTime":2401.5699999999997,"body":"Happy to discuss that in more"},{"speaker":"Alan Smith","startTime":2398.72,"endTime":2401.5699999999997,"body":"detail, don't have car if you've"},{"speaker":"Alan Smith","startTime":2401.5699999999997,"endTime":2404.48,"body":"come across that. But it is a"},{"speaker":"Alan Smith","startTime":2401.5699999999997,"endTime":2404.48,"body":"very specific way that you can"},{"speaker":"Alan Smith","startTime":2404.48,"endTime":2407.7799999999997,"body":"achieve your objectives within a"},{"speaker":"Alan Smith","startTime":2404.48,"endTime":2407.7799999999997,"body":"business. So well a good saying"},{"speaker":"Alan Smith","startTime":2407.7799999999997,"endTime":2409.58,"body":"we're going to double in size,"},{"speaker":"Alan Smith","startTime":2407.7799999999997,"endTime":2409.58,"body":"we're gonna do this and that,"},{"speaker":"Alan Smith","startTime":2410.3599999999997,"endTime":2412.6099999999997,"body":"this that or the other. But I"},{"speaker":"Alan Smith","startTime":2410.3599999999997,"endTime":2412.6099999999997,"body":"mean, like this comes back to"},{"speaker":"Alan Smith","startTime":2412.64,"endTime":2415.19,"body":"accountability. And doing so"},{"speaker":"Alan Smith","startTime":2412.64,"endTime":2415.19,"body":"you're going to do because"},{"speaker":"Alan Smith","startTime":2415.19,"endTime":2418.16,"body":"without specific actions"},{"speaker":"Alan Smith","startTime":2415.19,"endTime":2418.16,"body":"documented with accountability"},{"speaker":"Alan Smith","startTime":2418.16,"endTime":2421.6099999999997,"body":"and specific people charged"},{"speaker":"Alan Smith","startTime":2418.16,"endTime":2421.6099999999997,"body":"charged with doing these"},{"speaker":"Alan Smith","startTime":2421.79,"endTime":2424.97,"body":"actions, then nothing probably"},{"speaker":"Alan Smith","startTime":2421.79,"endTime":2424.97,"body":"will happen. So we've embraced,"},{"speaker":"Alan Smith","startTime":2425.0,"endTime":2430.0699999999997,"body":"we've embraced this concept"},{"speaker":"Alan Smith","startTime":2425.0,"endTime":2430.0699999999997,"body":"pretty well. Over the last, well"},{"speaker":"Alan Smith","startTime":2430.0699999999997,"endTime":2432.5299999999997,"body":"the last couple of years. And as"},{"speaker":"Alan Smith","startTime":2430.0699999999997,"endTime":2432.5299999999997,"body":"we're coming into the end of"},{"speaker":"Alan Smith","startTime":2432.5299999999997,"endTime":2435.14,"body":"this year, we're planning what"},{"speaker":"Alan Smith","startTime":2432.5299999999997,"endTime":2435.14,"body":"we're going to do q1 next year."},{"speaker":"Alan Smith","startTime":2436.0099999999998,"endTime":2438.29,"body":"That's exactly what we did."},{"speaker":"Alan Smith","startTime":2436.0099999999998,"endTime":2438.29,"body":"We've got our while I've got a"},{"speaker":"Alan Smith","startTime":2438.29,"endTime":2441.47,"body":"meeting the next couple of days"},{"speaker":"Alan Smith","startTime":2438.29,"endTime":2441.47,"body":"to just get into the weeds."},{"speaker":"Alan Smith","startTime":2441.47,"endTime":2444.44,"body":"There's very, very specific"},{"speaker":"Alan Smith","startTime":2441.47,"endTime":2444.44,"body":"activities of what the company"},{"speaker":"Alan Smith","startTime":2444.44,"endTime":2447.83,"body":"will do and the specific names"},{"speaker":"Alan Smith","startTime":2444.44,"endTime":2447.83,"body":"of the people what they will do"},{"speaker":"Alan Smith","startTime":2447.8599999999997,"endTime":2450.35,"body":"in order to ensure that we're"},{"speaker":"Alan Smith","startTime":2447.8599999999997,"endTime":2450.35,"body":"still on track towards our sort"},{"speaker":"Alan Smith","startTime":2450.35,"endTime":2455.63,"body":"of grander plans and objectives."},{"speaker":"Alan Smith","startTime":2450.35,"endTime":2455.63,"body":"So call as we are heading"},{"speaker":"Alan Smith","startTime":2455.63,"endTime":2459.08,"body":"towards the end of the year,"},{"speaker":"Alan Smith","startTime":2455.63,"endTime":2459.08,"body":"looking into next year. What are"},{"speaker":"Alan Smith","startTime":2459.08,"endTime":2461.3599999999997,"body":"your thoughts? What are your"},{"speaker":"Alan Smith","startTime":2459.08,"endTime":2461.3599999999997,"body":"actions What have you been doing"},{"speaker":"Alan Smith","startTime":2462.08,"endTime":2463.52,"body":"on sort of business planning?"},{"speaker":"Carl Widger","startTime":2464.18,"endTime":2467.33,"body":"Yeah, we do"},{"speaker":"Carl Widger","startTime":2464.18,"endTime":2467.33,"body":"something similar Ireland. First"},{"speaker":"Carl Widger","startTime":2467.33,"endTime":2470.6,"body":"thing I'd say is, I know you did"},{"speaker":"Carl Widger","startTime":2467.33,"endTime":2470.6,"body":"a lot of planning when you were"},{"speaker":"Carl Widger","startTime":2470.63,"endTime":2473.0299999999997,"body":"when you were down to the coast"},{"speaker":"Carl Widger","startTime":2470.63,"endTime":2473.0299999999997,"body":"and stuff, but I think you're"},{"speaker":"Carl Widger","startTime":2473.0299999999997,"endTime":2476.96,"body":"being hard on yourself because I"},{"speaker":"Carl Widger","startTime":2473.0299999999997,"endTime":2476.96,"body":"always you know Learn loads from"},{"speaker":"Carl Widger","startTime":2476.96,"endTime":2479.66,"body":"you in terms of how you are"},{"speaker":"Carl Widger","startTime":2476.96,"endTime":2479.66,"body":"planning the next phase your"},{"speaker":"Carl Widger","startTime":2479.66,"endTime":2483.29,"body":"business. So I do think you were"},{"speaker":"Carl Widger","startTime":2479.66,"endTime":2483.29,"body":"doing some but yeah, I hear what"},{"speaker":"Carl Widger","startTime":2483.29,"endTime":2487.43,"body":"you're saying. A book that I"},{"speaker":"Carl Widger","startTime":2483.29,"endTime":2487.43,"body":"read. I was introduced this book"},{"speaker":"Carl Widger","startTime":2487.43,"endTime":2490.58,"body":"by someone I know like and"},{"speaker":"Carl Widger","startTime":2487.43,"endTime":2490.58,"body":"respect, which always helps."},{"speaker":"Carl Widger","startTime":2490.94,"endTime":2495.56,"body":"Cameron Harold vivid vision. So"},{"speaker":"Carl Widger","startTime":2490.94,"endTime":2495.56,"body":"in terms of building firm, very"},{"speaker":"Carl Widger","startTime":2495.56,"endTime":2498.38,"body":"short book, absolutely"},{"speaker":"Carl Widger","startTime":2495.56,"endTime":2498.38,"body":"brilliant. I highly recommend"},{"speaker":"Carl Widger","startTime":2498.44,"endTime":2502.37,"body":"everybody get on that. So we're"},{"speaker":"Carl Widger","startTime":2498.44,"endTime":2502.37,"body":"in the middle of the planning at"},{"speaker":"Carl Widger","startTime":2502.37,"endTime":2505.37,"body":"the moment. I think I mentioned"},{"speaker":"Carl Widger","startTime":2502.37,"endTime":2505.37,"body":"it before we're doing our"},{"speaker":"Carl Widger","startTime":2505.37,"endTime":2507.71,"body":"budgets and all that kind of"},{"speaker":"Carl Widger","startTime":2505.37,"endTime":2507.71,"body":"stuff. So I have the"},{"speaker":"Carl Widger","startTime":2507.71,"endTime":2509.9,"body":"aforementioned Tom Tierney is"},{"speaker":"Carl Widger","startTime":2507.71,"endTime":2509.9,"body":"our chairman. He's a chartered"},{"speaker":"Carl Widger","startTime":2509.9,"endTime":2511.85,"body":"accountant and our head of"},{"speaker":"Carl Widger","startTime":2509.9,"endTime":2511.85,"body":"finance is Patty O'Halloran."},{"speaker":"Carl Widger","startTime":2511.85,"endTime":2515.12,"body":"He's also Chartered Accountants."},{"speaker":"Carl Widger","startTime":2511.85,"endTime":2515.12,"body":"So they crunched the numbers. We"},{"speaker":"Carl Widger","startTime":2515.12,"endTime":2518.66,"body":"do some budgets and all of that"},{"speaker":"Carl Widger","startTime":2515.12,"endTime":2518.66,"body":"kind of stuff. And it's, it's"},{"speaker":"Carl Widger","startTime":2518.66,"endTime":2523.1,"body":"work that has to be done. But I"},{"speaker":"Carl Widger","startTime":2518.66,"endTime":2523.1,"body":"then share those plans with the"},{"speaker":"Carl Widger","startTime":2523.1,"endTime":2527.39,"body":"team in January. I didn't before"},{"speaker":"Carl Widger","startTime":2523.1,"endTime":2527.39,"body":"last year was the last January"},{"speaker":"Carl Widger","startTime":2527.39,"endTime":2531.98,"body":"is the first time I did that."},{"speaker":"Carl Widger","startTime":2527.39,"endTime":2531.98,"body":"And everybody said, Wow, this is"},{"speaker":"Carl Widger","startTime":2531.98,"endTime":2534.47,"body":"fantastic. This is brilliant."},{"speaker":"Carl Widger","startTime":2531.98,"endTime":2534.47,"body":"Because like you're saying,"},{"speaker":"Carl Widger","startTime":2534.47,"endTime":2539.69,"body":"Ireland, I think, if you can"},{"speaker":"Carl Widger","startTime":2534.47,"endTime":2539.69,"body":"give the team? Well, if you want"},{"speaker":"Carl Widger","startTime":2539.69,"endTime":2543.14,"body":"high performers to stay with"},{"speaker":"Carl Widger","startTime":2539.69,"endTime":2543.14,"body":"you, you got to show them the"},{"speaker":"Carl Widger","startTime":2543.17,"endTime":2546.0499999999997,"body":"plot is division, what is the"},{"speaker":"Carl Widger","startTime":2543.17,"endTime":2546.0499999999997,"body":"what is the strategy, what is"},{"speaker":"Carl Widger","startTime":2546.0499999999997,"endTime":2550.04,"body":"the plan. So last year was a bit"},{"speaker":"Carl Widger","startTime":2546.0499999999997,"endTime":2550.04,"body":"of a revelation, I should have"},{"speaker":"Carl Widger","startTime":2550.04,"endTime":2552.35,"body":"done it way earlier, I didn't."},{"speaker":"Carl Widger","startTime":2550.04,"endTime":2552.35,"body":"But anyway, we're definitely"},{"speaker":"Carl Widger","startTime":2552.35,"endTime":2554.72,"body":"doing it again this year. And"},{"speaker":"Carl Widger","startTime":2552.35,"endTime":2554.72,"body":"then I suppose the other thing"},{"speaker":"Carl Widger","startTime":2554.72,"endTime":2561.98,"body":"not not to harp on too much, but"},{"speaker":"Carl Widger","startTime":2554.72,"endTime":2561.98,"body":"I've done a playbook. And I've"},{"speaker":"Carl Widger","startTime":2561.98,"endTime":2565.49,"body":"asked of all of our private"},{"speaker":"Carl Widger","startTime":2561.98,"endTime":2565.49,"body":"client managers, our financial"},{"speaker":"Carl Widger","startTime":2565.49,"endTime":2569.6,"body":"advisors, basically, as you'd"},{"speaker":"Carl Widger","startTime":2565.49,"endTime":2569.6,"body":"know them to do an annual plan."},{"speaker":"Carl Widger","startTime":2569.7799999999997,"endTime":2573.3199999999997,"body":"So that keeps us in the short"},{"speaker":"Carl Widger","startTime":2569.7799999999997,"endTime":2573.3199999999997,"body":"term on track. Because if I can"},{"speaker":"Carl Widger","startTime":2573.3199999999997,"endTime":2576.3199999999997,"body":"keep the one year plans on track"},{"speaker":"Carl Widger","startTime":2573.3199999999997,"endTime":2576.3199999999997,"body":"that will feed into our kind of"},{"speaker":"Carl Widger","startTime":2576.3199999999997,"endTime":2580.37,"body":"five year plan. And we do have a"},{"speaker":"Carl Widger","startTime":2576.3199999999997,"endTime":2580.37,"body":"five year plan as well. And the"},{"speaker":"Carl Widger","startTime":2580.4,"endTime":2584.24,"body":"private client managers, their"},{"speaker":"Carl Widger","startTime":2580.4,"endTime":2584.24,"body":"annual plan needs to be inspired"},{"speaker":"Carl Widger","startTime":2584.24,"endTime":2587.63,"body":"by the Metis playbook. And I"},{"speaker":"Carl Widger","startTime":2584.24,"endTime":2587.63,"body":"suppose what I'm trying to do is"},{"speaker":"Carl Widger","startTime":2587.63,"endTime":2589.94,"body":"to make sure that you don't have"},{"speaker":"Carl Widger","startTime":2587.63,"endTime":2589.94,"body":"to do everything that's in the"},{"speaker":"Carl Widger","startTime":2589.94,"endTime":2594.02,"body":"Metis paper, but, you know, I'm"},{"speaker":"Carl Widger","startTime":2589.94,"endTime":2594.02,"body":"gonna, I want you to do this"},{"speaker":"Carl Widger","startTime":2594.02,"endTime":2598.3399999999997,"body":"plan to have to have it done by"},{"speaker":"Carl Widger","startTime":2594.02,"endTime":2598.3399999999997,"body":"by next week. That's for 2023."},{"speaker":"Carl Widger","startTime":2598.7,"endTime":2602.24,"body":"It's it's stuff that we do and"},{"speaker":"Carl Widger","startTime":2598.7,"endTime":2602.24,"body":"matter. So you're picking, you"},{"speaker":"Carl Widger","startTime":2602.24,"endTime":2606.3199999999997,"body":"know, whatever it might be in"},{"speaker":"Carl Widger","startTime":2602.24,"endTime":2606.3199999999997,"body":"terms of that's how you're gonna"},{"speaker":"Carl Widger","startTime":2606.3199999999997,"endTime":2611.99,"body":"grow your book of business. And,"},{"speaker":"Carl Widger","startTime":2606.3199999999997,"endTime":2611.99,"body":"yeah, it's it keeps everybody"},{"speaker":"Carl Widger","startTime":2611.99,"endTime":2615.47,"body":"accountable. We kind of break"},{"speaker":"Carl Widger","startTime":2611.99,"endTime":2615.47,"body":"those plans out every quarter"},{"speaker":"Carl Widger","startTime":2615.47,"endTime":2617.99,"body":"then and review them. This is"},{"speaker":"Carl Widger","startTime":2615.47,"endTime":2617.99,"body":"what you said you do, how are"},{"speaker":"Carl Widger","startTime":2617.99,"endTime":2621.5899999999997,"body":"you doing it? And we can"},{"speaker":"Carl Widger","startTime":2617.99,"endTime":2621.5899999999997,"body":"identify issues then. So maybe a"},{"speaker":"Carl Widger","startTime":2621.5899999999997,"endTime":2626.48,"body":"particular rules that you're"},{"speaker":"Carl Widger","startTime":2621.5899999999997,"endTime":2626.48,"body":"pursuing isn't working for you."},{"speaker":"Carl Widger","startTime":2627.23,"endTime":2632.9,"body":"But I do think, like you and I'm"},{"speaker":"Carl Widger","startTime":2627.23,"endTime":2632.9,"body":"much more focused on putting"},{"speaker":"Carl Widger","startTime":2632.9,"endTime":2637.8199999999997,"body":"plans in place, and then that,"},{"speaker":"Carl Widger","startTime":2632.9,"endTime":2637.8199999999997,"body":"that we seem to be mentioning it"},{"speaker":"Carl Widger","startTime":2637.8199999999997,"endTime":2640.7599999999998,"body":"a lot, that accountability"},{"speaker":"Carl Widger","startTime":2637.8199999999997,"endTime":2640.7599999999998,"body":"piece. So making sure that we're"},{"speaker":"Carl Widger","startTime":2640.7599999999998,"endTime":2645.3199999999997,"body":"all accountable to each other."},{"speaker":"Carl Widger","startTime":2640.7599999999998,"endTime":2645.3199999999997,"body":"And yeah, look, I could go on"},{"speaker":"Carl Widger","startTime":2645.35,"endTime":2650.66,"body":"it's a it's a it's a, it's a big"},{"speaker":"Carl Widger","startTime":2645.35,"endTime":2650.66,"body":"subject, a big topic, but you"},{"speaker":"Carl Widger","startTime":2650.66,"endTime":2654.74,"body":"know, I think planning ahead is"},{"speaker":"Carl Widger","startTime":2650.66,"endTime":2654.74,"body":"absolutely it's a must. Isn't it"},{"speaker":"Carl Widger","startTime":2654.74,"endTime":2655.04,"body":"really?"},{"speaker":"Alan Smith","startTime":2657.65,"endTime":2662.54,"body":"Any better else?"},{"speaker":"Alan Smith","startTime":2657.65,"endTime":2662.54,"body":"Intamin? Other two solopreneurs?"},{"speaker":"Alan Smith","startTime":2662.99,"endTime":2663.95,"body":"Yeah, I"},{"speaker":"Andy Hart","startTime":2663.95,"endTime":2666.62,"body":"could talk about for"},{"speaker":"Andy Hart","startTime":2663.95,"endTime":2666.62,"body":"a little bit. Yeah, I'm quite"},{"speaker":"Andy Hart","startTime":2666.62,"endTime":2670.91,"body":"into high level number"},{"speaker":"Andy Hart","startTime":2666.62,"endTime":2670.91,"body":"crunching. So I keep a grasp of"},{"speaker":"Andy Hart","startTime":2671.42,"endTime":2673.67,"body":"pretty much all the numbers in"},{"speaker":"Andy Hart","startTime":2671.42,"endTime":2673.67,"body":"the three different businesses"},{"speaker":"Andy Hart","startTime":2673.67,"endTime":2680.18,"body":"that I run. In terms of So years"},{"speaker":"Andy Hart","startTime":2673.67,"endTime":2680.18,"body":"ago, 10 years ago, I used to"},{"speaker":"Andy Hart","startTime":2680.18,"endTime":2682.85,"body":"have quite a lot of goals or in"},{"speaker":"Andy Hart","startTime":2680.18,"endTime":2682.85,"body":"outside a lot of stuff to"},{"speaker":"Andy Hart","startTime":2682.85,"endTime":2685.37,"body":"achieve. So it's like short"},{"speaker":"Andy Hart","startTime":2682.85,"endTime":2685.37,"body":"stuff, I want to do medium stuff"},{"speaker":"Andy Hart","startTime":2685.37,"endTime":2688.64,"body":"I want to do in long, long term"},{"speaker":"Andy Hart","startTime":2685.37,"endTime":2688.64,"body":"stuff I want to do at the"},{"speaker":"Andy Hart","startTime":2688.64,"endTime":2693.56,"body":"moment, it's just growing the"},{"speaker":"Andy Hart","startTime":2688.64,"endTime":2693.56,"body":"three different businesses that"},{"speaker":"Andy Hart","startTime":2693.56,"endTime":2696.56,"body":"I run. So I track everything at"},{"speaker":"Andy Hart","startTime":2693.56,"endTime":2696.56,"body":"the end of the year, really"},{"speaker":"Andy Hart","startTime":2696.56,"endTime":2700.8199999999997,"body":"calendar years, I do also do"},{"speaker":"Andy Hart","startTime":2696.56,"endTime":2700.8199999999997,"body":"taxes. And then I sort of scope"},{"speaker":"Andy Hart","startTime":2700.8199999999997,"endTime":2703.0699999999997,"body":"out what the turnover is going"},{"speaker":"Andy Hart","startTime":2700.8199999999997,"endTime":2703.0699999999997,"body":"to be and what the sort of"},{"speaker":"Andy Hart","startTime":2703.0699999999997,"endTime":2706.3399999999997,"body":"income I can generate from it if"},{"speaker":"Andy Hart","startTime":2703.0699999999997,"endTime":2706.3399999999997,"body":"I'm if I'm looking at that. The"},{"speaker":"Andy Hart","startTime":2706.3399999999997,"endTime":2709.64,"body":"big focus for me is growing"},{"speaker":"Andy Hart","startTime":2706.3399999999997,"endTime":2709.64,"body":"humans on the management, Maven"},{"speaker":"Andy Hart","startTime":2709.64,"endTime":2712.13,"body":"advisors sort of ticking along"},{"speaker":"Andy Hart","startTime":2709.64,"endTime":2712.13,"body":"with taking on new clients and"},{"speaker":"Andy Hart","startTime":2712.13,"endTime":2714.65,"body":"we all know the stresses and"},{"speaker":"Andy Hart","startTime":2712.13,"endTime":2714.65,"body":"strains of running a regulated"},{"speaker":"Andy Hart","startTime":2714.65,"endTime":2718.67,"body":"firm especially as a as a solo"},{"speaker":"Andy Hart","startTime":2714.65,"endTime":2718.67,"body":"advisor. So yeah, my big focus"},{"speaker":"Andy Hart","startTime":2718.67,"endTime":2721.25,"body":"on next year is is grown humans"},{"speaker":"Andy Hart","startTime":2718.67,"endTime":2721.25,"body":"on the management, the premium"},{"speaker":"Andy Hart","startTime":2721.25,"endTime":2724.46,"body":"subscription that's grown pretty"},{"speaker":"Andy Hart","startTime":2721.25,"endTime":2724.46,"body":"aggressively at the moment so"},{"speaker":"Andy Hart","startTime":2724.46,"endTime":2726.98,"body":"hopefully we're gonna hit some"},{"speaker":"Andy Hart","startTime":2724.46,"endTime":2726.98,"body":"good numbers at the end of end"},{"speaker":"Andy Hart","startTime":2726.98,"endTime":2730.19,"body":"of next year but I'm also busy"},{"speaker":"Andy Hart","startTime":2726.98,"endTime":2730.19,"body":"with training because voin is"},{"speaker":"Andy Hart","startTime":2730.19,"endTime":2734.54,"body":"got a big change to go to the"},{"speaker":"Andy Hart","startTime":2730.19,"endTime":2734.54,"body":"new system Yeah, that's my sort"},{"speaker":"Andy Hart","startTime":2734.54,"endTime":2735.56,"body":"of thoughts on it but yeah,"},{"speaker":"Alan Smith","startTime":2735.83,"endTime":2739.49,"body":"free advertising"},{"speaker":"Alan Smith","startTime":2735.83,"endTime":2739.49,"body":"there. I think the trap podcast"},{"speaker":"Alan Smith","startTime":2739.49,"endTime":2743.9,"body":"which is sponsored by will be"},{"speaker":"Alan Smith","startTime":2739.49,"endTime":2743.9,"body":"sponsored by me even premium or"},{"speaker":"Alan Smith","startTime":2743.9,"endTime":2746.75,"body":"whatever it's called forward to"},{"speaker":"Alan Smith","startTime":2743.9,"endTime":2746.75,"body":"your check Andrew,"},{"speaker":"Andy Hart","startTime":2747.2,"endTime":2748.0099999999998,"body":"the thoughts"},{"speaker":"Nick Lincoln","startTime":2750.08,"endTime":2752.24,"body":"were to the"},{"speaker":"Nick Lincoln","startTime":2750.08,"endTime":2752.24,"body":"digital not really I can't add"},{"speaker":"Nick Lincoln","startTime":2752.27,"endTime":2754.73,"body":"anything to it. So I'll be"},{"speaker":"Nick Lincoln","startTime":2752.27,"endTime":2754.73,"body":"brief. I had a plan when I"},{"speaker":"Nick Lincoln","startTime":2754.73,"endTime":2757.79,"body":"started in 2008 and I just I"},{"speaker":"Nick Lincoln","startTime":2754.73,"endTime":2757.79,"body":"worked back the income I needed"},{"speaker":"Nick Lincoln","startTime":2757.79,"endTime":2759.5299999999997,"body":"to give me the largest I've"},{"speaker":"Nick Lincoln","startTime":2757.79,"endTime":2759.5299999999997,"body":"talked about this before I work"},{"speaker":"Nick Lincoln","startTime":2759.5299999999997,"endTime":2762.5299999999997,"body":"the income I needed to give me"},{"speaker":"Nick Lincoln","startTime":2759.5299999999997,"endTime":2762.5299999999997,"body":"the lifestyle I want now and my"},{"speaker":"Nick Lincoln","startTime":2762.5299999999997,"endTime":2764.87,"body":"future self lifestyle. So what"},{"speaker":"Nick Lincoln","startTime":2762.5299999999997,"endTime":2764.87,"body":"income do I need and what"},{"speaker":"Nick Lincoln","startTime":2764.87,"endTime":2766.79,"body":"pension contribution do I need"},{"speaker":"Nick Lincoln","startTime":2764.87,"endTime":2766.79,"body":"to make? And I work back from"},{"speaker":"Nick Lincoln","startTime":2766.79,"endTime":2770.33,"body":"that the turnover I needed."},{"speaker":"Nick Lincoln","startTime":2766.79,"endTime":2770.33,"body":"Okay, if I need that turn, how"},{"speaker":"Nick Lincoln","startTime":2770.33,"endTime":2773.81,"body":"many clients can I service and"},{"speaker":"Nick Lincoln","startTime":2770.33,"endTime":2773.81,"body":"how many haven't had that"},{"speaker":"Nick Lincoln","startTime":2773.81,"endTime":2776.66,"body":"number? I then knew what what"},{"speaker":"Nick Lincoln","startTime":2773.81,"endTime":2776.66,"body":"fees I need To charge to"},{"speaker":"Nick Lincoln","startTime":2776.66,"endTime":2779.3599999999997,"body":"generate the turnover, that net"},{"speaker":"Nick Lincoln","startTime":2776.66,"endTime":2779.3599999999997,"body":"of corporation tax expenses will"},{"speaker":"Nick Lincoln","startTime":2779.3599999999997,"endTime":2782.48,"body":"give me the income. And that was"},{"speaker":"Nick Lincoln","startTime":2779.3599999999997,"endTime":2782.48,"body":"really my business plan. And so"},{"speaker":"Nick Lincoln","startTime":2782.48,"endTime":2786.47,"body":"but you know what I mean, I'm"},{"speaker":"Nick Lincoln","startTime":2782.48,"endTime":2786.47,"body":"not I, my business sounds like,"},{"speaker":"Nick Lincoln","startTime":2786.7999999999997,"endTime":2788.8399999999997,"body":"sounds like I don't do any work"},{"speaker":"Nick Lincoln","startTime":2786.7999999999997,"endTime":2788.8399999999997,"body":"at all. And that's not true. My"},{"speaker":"Nick Lincoln","startTime":2788.8399999999997,"endTime":2791.6,"body":"business, though does take over."},{"speaker":"Nick Lincoln","startTime":2788.8399999999997,"endTime":2791.6,"body":"And as long as I don't goof up,"},{"speaker":"Nick Lincoln","startTime":2791.6,"endTime":2794.54,"body":"I keep on doing well by people,"},{"speaker":"Nick Lincoln","startTime":2791.6,"endTime":2794.54,"body":"I will be done well, by my"},{"speaker":"Nick Lincoln","startTime":2794.54,"endTime":2797.6,"body":"business. So they're always"},{"speaker":"Nick Lincoln","startTime":2794.54,"endTime":2797.6,"body":"regulated. I think it's more"},{"speaker":"Nick Lincoln","startTime":2797.6,"endTime":2800.42,"body":"regulatory things from me that"},{"speaker":"Nick Lincoln","startTime":2797.6,"endTime":2800.42,"body":"throw the change might well like"},{"speaker":"Nick Lincoln","startTime":2800.42,"endTime":2803.87,"body":"consumer duty, that kind of"},{"speaker":"Nick Lincoln","startTime":2800.42,"endTime":2803.87,"body":"forces me to change, even if I"},{"speaker":"Nick Lincoln","startTime":2803.87,"endTime":2806.18,"body":"don't agree with it, that will"},{"speaker":"Nick Lincoln","startTime":2803.87,"endTime":2806.18,"body":"force me to change things and"},{"speaker":"Nick Lincoln","startTime":2806.18,"endTime":2809.69,"body":"change my, my business is kind"},{"speaker":"Nick Lincoln","startTime":2806.18,"endTime":2809.69,"body":"of modeled. But that aside, now,"},{"speaker":"Nick Lincoln","startTime":2809.69,"endTime":2813.74,"body":"I don't, I don't do any I don't"},{"speaker":"Nick Lincoln","startTime":2809.69,"endTime":2813.74,"body":"do any business planning. I use"},{"speaker":"Nick Lincoln","startTime":2814.22,"endTime":2816.5899999999997,"body":"an online accountancy package"},{"speaker":"Nick Lincoln","startTime":2814.22,"endTime":2816.5899999999997,"body":"free agent, other people will"},{"speaker":"Nick Lincoln","startTime":2816.5899999999997,"endTime":2819.89,"body":"use Xero. I know at any, any"},{"speaker":"Nick Lincoln","startTime":2816.5899999999997,"endTime":2819.89,"body":"moment that day or night, what"},{"speaker":"Nick Lincoln","startTime":2819.89,"endTime":2822.17,"body":"my balance sheet is, what my"},{"speaker":"Nick Lincoln","startTime":2819.89,"endTime":2822.17,"body":"profit and loss is. I was"},{"speaker":"Nick Lincoln","startTime":2822.17,"endTime":2824.48,"body":"talking to a client the other"},{"speaker":"Nick Lincoln","startTime":2822.17,"endTime":2824.48,"body":"day, who's a friend, and he's,"},{"speaker":"Nick Lincoln","startTime":2824.54,"endTime":2827.87,"body":"he's in it recruitment, and he"},{"speaker":"Nick Lincoln","startTime":2824.54,"endTime":2827.87,"body":"doesn't know he doesn't know"},{"speaker":"Nick Lincoln","startTime":2827.87,"endTime":2829.97,"body":"what his profit isn't to his"},{"speaker":"Nick Lincoln","startTime":2827.87,"endTime":2829.97,"body":"accounts and gives him back his"},{"speaker":"Nick Lincoln","startTime":2829.97,"endTime":2833.75,"body":"books about six months after the"},{"speaker":"Nick Lincoln","startTime":2829.97,"endTime":2833.75,"body":"end of his business year, and"},{"speaker":"Nick Lincoln","startTime":2833.75,"endTime":2836.75,"body":"recommit, might Yeah, it's"},{"speaker":"Nick Lincoln","startTime":2833.75,"endTime":2836.75,"body":"absolutely but with my OCD tray"},{"speaker":"Nick Lincoln","startTime":2836.75,"endTime":2839.12,"body":"that would drive me up the"},{"speaker":"Nick Lincoln","startTime":2836.75,"endTime":2839.12,"body":"bleeding wall because I like to"},{"speaker":"Nick Lincoln","startTime":2839.12,"endTime":2841.5499999999997,"body":"be on top of it all the time. Is"},{"speaker":"Nick Lincoln","startTime":2839.12,"endTime":2841.5499999999997,"body":"that a business plan that was"},{"speaker":"Nick Lincoln","startTime":2841.5499999999997,"endTime":2844.49,"body":"not and I always know my"},{"speaker":"Nick Lincoln","startTime":2841.5499999999997,"endTime":2844.49,"body":"numbers, I do compare my metrics"},{"speaker":"Nick Lincoln","startTime":2844.49,"endTime":2846.74,"body":"year on year are the expenses"},{"speaker":"Nick Lincoln","startTime":2844.49,"endTime":2846.74,"body":"broadly coming in where I"},{"speaker":"Nick Lincoln","startTime":2846.74,"endTime":2849.2,"body":"thought is turnover broadly"},{"speaker":"Nick Lincoln","startTime":2846.74,"endTime":2849.2,"body":"where it should be, I don't just"},{"speaker":"Nick Lincoln","startTime":2849.2,"endTime":2852.29,"body":"let it ride I do. I do have"},{"speaker":"Nick Lincoln","startTime":2849.2,"endTime":2852.29,"body":"reflection and analysis. But I'm"},{"speaker":"Nick Lincoln","startTime":2852.29,"endTime":2854.18,"body":"my biggest critic, you know,"},{"speaker":"Nick Lincoln","startTime":2852.29,"endTime":2854.18,"body":"I've got this high internal"},{"speaker":"Nick Lincoln","startTime":2854.18,"endTime":2857.18,"body":"locus of control. I'm very inner"},{"speaker":"Nick Lincoln","startTime":2854.18,"endTime":2857.18,"body":"directed. And I know if I've let"},{"speaker":"Nick Lincoln","startTime":2857.18,"endTime":2860.21,"body":"myself down, because I'm nearly"},{"speaker":"Nick Lincoln","startTime":2857.18,"endTime":2860.21,"body":"always letting myself down in"},{"speaker":"Nick Lincoln","startTime":2860.21,"endTime":2863.21,"body":"one form or another. But I do"},{"speaker":"Nick Lincoln","startTime":2860.21,"endTime":2863.21,"body":"hold myself. Okay, I don't need"},{"speaker":"Nick Lincoln","startTime":2863.21,"endTime":2866.24,"body":"a third party. I'm probably"},{"speaker":"Nick Lincoln","startTime":2863.21,"endTime":2866.24,"body":"hypercritical. Yeah. So that's"},{"speaker":"Nick Lincoln","startTime":2866.24,"endTime":2866.96,"body":"where I am on the panel."},{"speaker":"Carl Widger","startTime":2868.04,"endTime":2872.54,"body":"Can I just ask you"},{"speaker":"Carl Widger","startTime":2868.04,"endTime":2872.54,"body":"on that? Like, if your clients"},{"speaker":"Carl Widger","startTime":2872.5699999999997,"endTime":2877.73,"body":"are getting older say, right, do"},{"speaker":"Carl Widger","startTime":2872.5699999999997,"endTime":2877.73,"body":"you have a natural follow up?"},{"speaker":"Carl Widger","startTime":2877.94,"endTime":2882.2599999999998,"body":"Like, do you always try and"},{"speaker":"Carl Widger","startTime":2877.94,"endTime":2882.2599999999998,"body":"replace those slides? Or do you"},{"speaker":"Carl Widger","startTime":2882.2599999999998,"endTime":2885.68,"body":"let that just organically"},{"speaker":"Carl Widger","startTime":2882.2599999999998,"endTime":2885.68,"body":"happen? Or how do you deal with"},{"speaker":"Nick Lincoln","startTime":2886.0699999999997,"endTime":2890.54,"body":"when it's image"},{"speaker":"Nick Lincoln","startTime":2886.0699999999997,"endTime":2890.54,"body":"wise, you would imagine, and"},{"speaker":"Nick Lincoln","startTime":2890.54,"endTime":2892.97,"body":"this sounds this sounds cruel,"},{"speaker":"Nick Lincoln","startTime":2890.54,"endTime":2892.97,"body":"but I'm using this metaphor. So"},{"speaker":"Nick Lincoln","startTime":2892.97,"endTime":2894.74,"body":"you people could say beef,"},{"speaker":"Nick Lincoln","startTime":2892.97,"endTime":2894.74,"body":"especially conveyor belt going"},{"speaker":"Nick Lincoln","startTime":2894.74,"endTime":2896.8399999999997,"body":"along, and clients at the end of"},{"speaker":"Nick Lincoln","startTime":2894.74,"endTime":2896.8399999999997,"body":"their lives will drop off the"},{"speaker":"Nick Lincoln","startTime":2896.8399999999997,"endTime":2900.14,"body":"conveyor belt, and they fall out"},{"speaker":"Nick Lincoln","startTime":2896.8399999999997,"endTime":2900.14,"body":"of your life as fee paying"},{"speaker":"Nick Lincoln","startTime":2900.14,"endTime":2903.1099999999997,"body":"people, okay? I'm not. They're"},{"speaker":"Nick Lincoln","startTime":2900.14,"endTime":2903.1099999999997,"body":"human beings, but as fee paying"},{"speaker":"Nick Lincoln","startTime":2903.1099999999997,"endTime":2905.15,"body":"people, they fall out of your"},{"speaker":"Nick Lincoln","startTime":2903.1099999999997,"endTime":2905.15,"body":"life. And it doesn't matter the"},{"speaker":"Nick Lincoln","startTime":2905.63,"endTime":2908.0,"body":"conveyor, but you have younger"},{"speaker":"Nick Lincoln","startTime":2905.63,"endTime":2908.0,"body":"people coming on board and some"},{"speaker":"Nick Lincoln","startTime":2908.0,"endTime":2910.31,"body":"years, you'll have more people"},{"speaker":"Nick Lincoln","startTime":2908.0,"endTime":2910.31,"body":"dropping off the end, you'll"},{"speaker":"Nick Lincoln","startTime":2910.31,"endTime":2914.39,"body":"have more people coming on. I"},{"speaker":"Nick Lincoln","startTime":2910.31,"endTime":2914.39,"body":"don't have a vigorous client"},{"speaker":"Nick Lincoln","startTime":2914.42,"endTime":2917.96,"body":"Recruitment Policy, I work by"},{"speaker":"Nick Lincoln","startTime":2914.42,"endTime":2917.96,"body":"referral only. So I do take on"},{"speaker":"Nick Lincoln","startTime":2917.96,"endTime":2921.1099999999997,"body":"the some children of clients and"},{"speaker":"Nick Lincoln","startTime":2917.96,"endTime":2921.1099999999997,"body":"grandchildren of clients, I get"},{"speaker":"Nick Lincoln","startTime":2921.1099999999997,"endTime":2924.5299999999997,"body":"referrals from an accountant."},{"speaker":"Nick Lincoln","startTime":2921.1099999999997,"endTime":2924.5299999999997,"body":"And it kind of washes through"},{"speaker":"Nick Lincoln","startTime":2924.5299999999997,"endTime":2927.38,"body":"car, but it just happens"},{"speaker":"Nick Lincoln","startTime":2924.5299999999997,"endTime":2927.38,"body":"organically. It's not me going"},{"speaker":"Nick Lincoln","startTime":2927.38,"endTime":2929.33,"body":"out. And you know, I used to do"},{"speaker":"Nick Lincoln","startTime":2927.38,"endTime":2929.33,"body":"the networking and everything"},{"speaker":"Nick Lincoln","startTime":2929.33,"endTime":2933.1099999999997,"body":"else. And I do I am taking"},{"speaker":"Nick Lincoln","startTime":2929.33,"endTime":2933.1099999999997,"body":"clients on but I am very choosy,"},{"speaker":"Nick Lincoln","startTime":2933.1099999999997,"endTime":2935.2999999999997,"body":"and clients are very choosy with"},{"speaker":"Nick Lincoln","startTime":2933.1099999999997,"endTime":2935.2999999999997,"body":"me, you know, the vetting"},{"speaker":"Nick Lincoln","startTime":2935.2999999999997,"endTime":2937.5499999999997,"body":"process, we are vetting the"},{"speaker":"Nick Lincoln","startTime":2935.2999999999997,"endTime":2937.5499999999997,"body":"prospects, they think they're"},{"speaker":"Nick Lincoln","startTime":2937.5499999999997,"endTime":2940.46,"body":"vetting us, we are getting them."},{"speaker":"Nick Lincoln","startTime":2937.5499999999997,"endTime":2940.46,"body":"And a lot of them don't get"},{"speaker":"Nick Lincoln","startTime":2940.46,"endTime":2943.91,"body":"through, don't get through the"},{"speaker":"Nick Lincoln","startTime":2940.46,"endTime":2943.91,"body":"process. So I take clients on"},{"speaker":"Nick Lincoln","startTime":2943.91,"endTime":2947.0899999999997,"body":"but selectively but you lose,"},{"speaker":"Nick Lincoln","startTime":2943.91,"endTime":2947.0899999999997,"body":"you know, one day, I might just"},{"speaker":"Nick Lincoln","startTime":2947.0899999999997,"endTime":2948.83,"body":"be that I've got three clients"},{"speaker":"Nick Lincoln","startTime":2947.0899999999997,"endTime":2948.83,"body":"left, because the rest of them"},{"speaker":"Nick Lincoln","startTime":2948.83,"endTime":2951.14,"body":"have died. And I shut up shop"},{"speaker":"Nick Lincoln","startTime":2948.83,"endTime":2951.14,"body":"years ago, and I walk away"},{"speaker":"Nick Lincoln","startTime":2951.14,"endTime":2953.5099999999998,"body":"because my business is I've got"},{"speaker":"Nick Lincoln","startTime":2951.14,"endTime":2953.5099999999998,"body":"my pots stacked up for the rest"},{"speaker":"Nick Lincoln","startTime":2953.5099999999998,"endTime":2956.6,"body":"of my life. You know that we"},{"speaker":"Nick Lincoln","startTime":2953.5099999999998,"endTime":2956.6,"body":"talked about that as well."},{"speaker":"Carl Widger","startTime":2958.0099999999998,"endTime":2960.5,"body":"Andy's plan, and"},{"speaker":"Carl Widger","startTime":2958.0099999999998,"endTime":2960.5,"body":"His plan is that you'll give up"},{"speaker":"Carl Widger","startTime":2960.89,"endTime":2963.23,"body":"in a few years, and he'll take"},{"speaker":"Carl Widger","startTime":2960.89,"endTime":2963.23,"body":"it all on. But anyway,"},{"speaker":"Nick Lincoln","startTime":2963.3199999999997,"endTime":2964.94,"body":"yeah, we've got to"},{"speaker":"Nick Lincoln","startTime":2963.3199999999997,"endTime":2964.94,"body":"find someone I trust and like,"},{"speaker":"Nick Lincoln","startTime":2964.94,"endTime":2968.18,"body":"and this is where this whole"},{"speaker":"Nick Lincoln","startTime":2964.94,"endTime":2968.18,"body":"thing was. We made this joke"},{"speaker":"Nick Lincoln","startTime":2968.18,"endTime":2970.85,"body":"last. Listen, guys, we're 48"},{"speaker":"Nick Lincoln","startTime":2968.18,"endTime":2970.85,"body":"minutes. Yeah. And I think that"},{"speaker":"Nick Lincoln","startTime":2970.88,"endTime":2973.13,"body":"we've had to two meat and"},{"speaker":"Nick Lincoln","startTime":2970.88,"endTime":2973.13,"body":"potatoes subjects there that we"},{"speaker":"Nick Lincoln","startTime":2973.13,"endTime":2976.79,"body":"went into quite some debt. So I"},{"speaker":"Nick Lincoln","startTime":2973.13,"endTime":2976.79,"body":"think if that's okay with you,"},{"speaker":"Nick Lincoln","startTime":2976.79,"endTime":2981.71,"body":"we'll just we will transition to"},{"speaker":"Nick Lincoln","startTime":2976.79,"endTime":2981.71,"body":"answering readers questions"},{"speaker":"Nick Lincoln","startTime":2981.71,"endTime":2991.97,"body":"posted to us mainly on Twitter."},{"speaker":"Nick Lincoln","startTime":2981.71,"endTime":2991.97,"body":"And the first one is from Ben F"},{"speaker":"Nick Lincoln","startTime":2992.0899999999997,"endTime":2994.7,"body":"F as in Foxtrot who doesn't let"},{"speaker":"Nick Lincoln","startTime":2992.0899999999997,"endTime":2994.7,"body":"the Twitter handle so you might"},{"speaker":"Nick Lincoln","startTime":2994.7,"endTime":2997.67,"body":"not be on on Twitter. So going"},{"speaker":"Nick Lincoln","startTime":2994.7,"endTime":2997.67,"body":"forward, I'm asking if they're"},{"speaker":"Nick Lincoln","startTime":2997.67,"endTime":2999.7999999999997,"body":"not on Twitter to leave a"},{"speaker":"Nick Lincoln","startTime":2997.67,"endTime":2999.7999999999997,"body":"LinkedIn profile. So at least we"},{"speaker":"Nick Lincoln","startTime":2999.7999999999997,"endTime":3001.54,"body":"can put that in the show notes."},{"speaker":"Nick Lincoln","startTime":2999.7999999999997,"endTime":3001.54,"body":"People either will have a"},{"speaker":"Nick Lincoln","startTime":3001.54,"endTime":3005.2599999999998,"body":"Twitter or LinkedIn profile."},{"speaker":"Nick Lincoln","startTime":3001.54,"endTime":3005.2599999999998,"body":"Anyway, pen F says, and I'll"},{"speaker":"Nick Lincoln","startTime":3005.2599999999998,"endTime":3007.42,"body":"maybe deal with this. And then"},{"speaker":"Nick Lincoln","startTime":3005.2599999999998,"endTime":3007.42,"body":"you guys can chip in. But can"},{"speaker":"Nick Lincoln","startTime":3007.42,"endTime":3010.27,"body":"you talk about how you manage"},{"speaker":"Nick Lincoln","startTime":3007.42,"endTime":3010.27,"body":"sequencing risk in retirement,"},{"speaker":"Nick Lincoln","startTime":3010.5699999999997,"endTime":3013.0,"body":"absolute return structure"},{"speaker":"Nick Lincoln","startTime":3010.5699999999997,"endTime":3013.0,"body":"products and prove smoothing"},{"speaker":"Nick Lincoln","startTime":3013.0,"endTime":3018.19,"body":"funds have all held up well in"},{"speaker":"Nick Lincoln","startTime":3013.0,"endTime":3018.19,"body":"the current drops? But I"},{"speaker":"Nick Lincoln","startTime":3018.19,"endTime":3021.31,"body":"understand you prefer not to use"},{"speaker":"Nick Lincoln","startTime":3018.19,"endTime":3021.31,"body":"these Can you talk about how you"},{"speaker":"Nick Lincoln","startTime":3021.31,"endTime":3023.65,"body":"deal with this risk, but there's"},{"speaker":"Nick Lincoln","startTime":3021.31,"endTime":3023.65,"body":"approaching retirement love the"},{"speaker":"Nick Lincoln","startTime":3023.65,"endTime":3027.6099999999997,"body":"show, Bear? Well, I maybe I'm"},{"speaker":"Nick Lincoln","startTime":3023.65,"endTime":3027.6099999999997,"body":"talking for you please step in"},{"speaker":"Nick Lincoln","startTime":3027.6099999999997,"endTime":3030.19,"body":"because if I'm stepping over"},{"speaker":"Nick Lincoln","startTime":3027.6099999999997,"endTime":3030.19,"body":"you, I don't have a different"},{"speaker":"Nick Lincoln","startTime":3030.19,"endTime":3032.92,"body":"policy for accumulation and"},{"speaker":"Nick Lincoln","startTime":3030.19,"endTime":3032.92,"body":"decumulation clients accumulate"},{"speaker":"Nick Lincoln","startTime":3032.92,"endTime":3035.7999999999997,"body":"in equities and they do cumulate"},{"speaker":"Nick Lincoln","startTime":3032.92,"endTime":3035.7999999999997,"body":"in equities. There is this thing"},{"speaker":"Nick Lincoln","startTime":3035.7999999999997,"endTime":3038.14,"body":"called sequencing risk where"},{"speaker":"Nick Lincoln","startTime":3035.7999999999997,"endTime":3038.14,"body":"you're buggered if the markets"},{"speaker":"Nick Lincoln","startTime":3038.14,"endTime":3040.54,"body":"collapse in the first couple of"},{"speaker":"Nick Lincoln","startTime":3038.14,"endTime":3040.54,"body":"years and you're drawing money"},{"speaker":"Nick Lincoln","startTime":3040.87,"endTime":3045.16,"body":"out of your pot. So I would say"},{"speaker":"Nick Lincoln","startTime":3040.87,"endTime":3045.16,"body":"the retirement approaches you go"},{"speaker":"Nick Lincoln","startTime":3045.16,"endTime":3047.38,"body":"nearly all equities, the great"},{"speaker":"Nick Lincoln","startTime":3045.16,"endTime":3047.38,"body":"companies of the world and they"},{"speaker":"Nick Lincoln","startTime":3047.38,"endTime":3049.93,"body":"have a reserve bucket of maybe"},{"speaker":"Nick Lincoln","startTime":3047.38,"endTime":3049.93,"body":"two years living expenses,"},{"speaker":"Nick Lincoln","startTime":3050.14,"endTime":3053.0499999999997,"body":"allowing for state pension"},{"speaker":"Nick Lincoln","startTime":3050.14,"endTime":3053.0499999999997,"body":"rental income, any DB stuff"},{"speaker":"Nick Lincoln","startTime":3053.0499999999997,"endTime":3055.6,"body":"you've got coming in. And the"},{"speaker":"Nick Lincoln","startTime":3053.0499999999997,"endTime":3055.6,"body":"minute I would say that this is"},{"speaker":"Nick Lincoln","startTime":3055.6,"endTime":3058.45,"body":"not advice by the way to anyone"},{"speaker":"Nick Lincoln","startTime":3055.6,"endTime":3058.45,"body":"listening. Bring your husband or"},{"speaker":"Nick Lincoln","startTime":3058.45,"endTime":3061.63,"body":"wife 50k and premium bonds as"},{"speaker":"Nick Lincoln","startTime":3058.45,"endTime":3061.63,"body":"100k There's your liquidity for"},{"speaker":"Nick Lincoln","startTime":3061.63,"endTime":3064.12,"body":"the temporary declines."},{"speaker":"Nick Lincoln","startTime":3061.63,"endTime":3064.12,"body":"Hopefully you never need to"},{"speaker":"Nick Lincoln","startTime":3064.12,"endTime":3067.6,"body":"touch it anyway. If you're very"},{"speaker":"Nick Lincoln","startTime":3064.12,"endTime":3067.6,"body":"unlucky, and you're the one in"},{"speaker":"Nick Lincoln","startTime":3067.6,"endTime":3070.0,"body":"four people who enter retirement"},{"speaker":"Nick Lincoln","startTime":3067.6,"endTime":3070.0,"body":"just as the markets are going"},{"speaker":"Nick Lincoln","startTime":3070.0,"endTime":3072.52,"body":"down, then there's your pot so"},{"speaker":"Nick Lincoln","startTime":3070.0,"endTime":3072.52,"body":"we're not we're not selling to"},{"speaker":"Nick Lincoln","startTime":3072.52,"endTime":3074.74,"body":"that falling market but but Ben"},{"speaker":"Nick Lincoln","startTime":3072.52,"endTime":3074.74,"body":"That's what I would everything"},{"speaker":"Nick Lincoln","startTime":3074.74,"endTime":3078.3399999999997,"body":"else is noise And again, there's"},{"speaker":"Nick Lincoln","startTime":3074.74,"endTime":3078.3399999999997,"body":"a whole swathe of consultancies"},{"speaker":"Nick Lincoln","startTime":3078.3399999999997,"endTime":3080.3199999999997,"body":"out there who will tell you, you"},{"speaker":"Nick Lincoln","startTime":3078.3399999999997,"endTime":3080.3199999999997,"body":"need to have a separate policy."},{"speaker":"Nick Lincoln","startTime":3080.62,"endTime":3083.44,"body":"And you know, you need to have"},{"speaker":"Nick Lincoln","startTime":3080.62,"endTime":3083.44,"body":"these smoothing products. And"},{"speaker":"Nick Lincoln","startTime":3083.44,"endTime":3087.19,"body":"we've got this hybrid annuities"},{"speaker":"Nick Lincoln","startTime":3083.44,"endTime":3087.19,"body":"now where you can cash out. And"},{"speaker":"Nick Lincoln","startTime":3087.46,"endTime":3090.0099999999998,"body":"they're doing that, because they"},{"speaker":"Nick Lincoln","startTime":3087.46,"endTime":3090.0099999999998,"body":"make a turn on it. Just keep it"},{"speaker":"Nick Lincoln","startTime":3090.0099999999998,"endTime":3092.29,"body":"simple, stupid. That's my answer"},{"speaker":"Nick Lincoln","startTime":3090.0099999999998,"endTime":3092.29,"body":"to Ben. Anyone else?"},{"speaker":"Carl Widger","startTime":3092.95,"endTime":3094.15,"body":"100% agree,"},{"speaker":"Alan Smith","startTime":3094.18,"endTime":3097.99,"body":"I would I agree, the"},{"speaker":"Alan Smith","startTime":3094.18,"endTime":3097.99,"body":"only thing I would add was just"},{"speaker":"Alan Smith","startTime":3098.02,"endTime":3101.7999999999997,"body":"strengthens what you just said,"},{"speaker":"Alan Smith","startTime":3098.02,"endTime":3101.7999999999997,"body":"Nick, is I mean, Ben's reference"},{"speaker":"Alan Smith","startTime":3101.7999999999997,"endTime":3105.31,"body":"to things that proves smoothing"},{"speaker":"Alan Smith","startTime":3101.7999999999997,"endTime":3105.31,"body":"fund and blah, blah, blah,"},{"speaker":"Alan Smith","startTime":3105.3399999999997,"endTime":3108.22,"body":"absolute return funds, and so"},{"speaker":"Alan Smith","startTime":3105.3399999999997,"endTime":3108.22,"body":"on. But they're not doing"},{"speaker":"Alan Smith","startTime":3108.22,"endTime":3111.67,"body":"anything. That's that's just a"},{"speaker":"Alan Smith","startTime":3108.22,"endTime":3111.67,"body":"reporting mechanism. Underneath"},{"speaker":"Alan Smith","startTime":3111.67,"endTime":3114.79,"body":"it, they're still invested in"},{"speaker":"Alan Smith","startTime":3111.67,"endTime":3114.79,"body":"equities and bonds and, and"},{"speaker":"Alan Smith","startTime":3114.79,"endTime":3118.7799999999997,"body":"other other things. There's just"},{"speaker":"Alan Smith","startTime":3114.79,"endTime":3118.7799999999997,"body":"some, I put something out last"},{"speaker":"Alan Smith","startTime":3118.7799999999997,"endTime":3121.75,"body":"week, which is quite popular"},{"speaker":"Alan Smith","startTime":3118.7799999999997,"endTime":3121.75,"body":"about if you look at market"},{"speaker":"Alan Smith","startTime":3121.75,"endTime":3124.8399999999997,"body":"returns, if you looked, look at"},{"speaker":"Alan Smith","startTime":3121.75,"endTime":3124.8399999999997,"body":"a graph where you got a daily"},{"speaker":"Alan Smith","startTime":3125.98,"endTime":3130.24,"body":"equities and posted, that price"},{"speaker":"Alan Smith","startTime":3125.98,"endTime":3130.24,"body":"is posted daily, I just look at"},{"speaker":"Alan Smith","startTime":3130.24,"endTime":3134.2,"body":"the performance of a fund, let's"},{"speaker":"Alan Smith","startTime":3130.24,"endTime":3134.2,"body":"say, you know, global equities,"},{"speaker":"Alan Smith","startTime":3134.23,"endTime":3136.2999999999997,"body":"if you look at it daily, looked"},{"speaker":"Alan Smith","startTime":3134.23,"endTime":3136.2999999999997,"body":"at it monthly and looked at it"},{"speaker":"Alan Smith","startTime":3136.2999999999997,"endTime":3138.7,"body":"yearly. And this is the point."},{"speaker":"Alan Smith","startTime":3136.2999999999997,"endTime":3138.7,"body":"So that's a smooth, that's"},{"speaker":"Alan Smith","startTime":3138.7,"endTime":3142.0,"body":"effectively what Pru and others"},{"speaker":"Alan Smith","startTime":3138.7,"endTime":3142.0,"body":"effectively do they smooth that"},{"speaker":"Alan Smith","startTime":3142.0,"endTime":3144.88,"body":"out because they don't actually"},{"speaker":"Alan Smith","startTime":3142.0,"endTime":3144.88,"body":"give you the it's not to use the"},{"speaker":"Alan Smith","startTime":3144.88,"endTime":3147.67,"body":"vernacular is not marked to"},{"speaker":"Alan Smith","startTime":3144.88,"endTime":3147.67,"body":"market. They just tell you the"},{"speaker":"Alan Smith","startTime":3147.67,"endTime":3150.31,"body":"price is XP, but you know, God"},{"speaker":"Alan Smith","startTime":3147.67,"endTime":3150.31,"body":"forbid, you actually want to get"},{"speaker":"Alan Smith","startTime":3150.31,"endTime":3153.13,"body":"your money out during a period"},{"speaker":"Alan Smith","startTime":3150.31,"endTime":3153.13,"body":"when there's a huge market"},{"speaker":"Alan Smith","startTime":3153.16,"endTime":3156.0699999999997,"body":"tension and stress, you won't be"},{"speaker":"Alan Smith","startTime":3153.16,"endTime":3156.0699999999997,"body":"able to the funds get locked up,"},{"speaker":"Alan Smith","startTime":3156.1,"endTime":3161.17,"body":"etc. So this really is this is"},{"speaker":"Alan Smith","startTime":3156.1,"endTime":3161.17,"body":"the this is the actual art of"},{"speaker":"Alan Smith","startTime":3161.17,"endTime":3164.02,"body":"financial planning, isn't it?"},{"speaker":"Alan Smith","startTime":3161.17,"endTime":3164.02,"body":"This is where you add value if"},{"speaker":"Alan Smith","startTime":3164.02,"endTime":3166.48,"body":"if the answer was a buy a bunch"},{"speaker":"Alan Smith","startTime":3164.02,"endTime":3166.48,"body":"of these absolute return funds"},{"speaker":"Alan Smith","startTime":3166.48,"endTime":3169.63,"body":"and smooth with profit type"},{"speaker":"Alan Smith","startTime":3166.48,"endTime":3169.63,"body":"funds and and if they actually"},{"speaker":"Alan Smith","startTime":3169.63,"endTime":3171.97,"body":"work, then you wouldn't need us."},{"speaker":"Alan Smith","startTime":3169.63,"endTime":3171.97,"body":"But they don't work. Still"},{"speaker":"Nick Lincoln","startTime":3172.0,"endTime":3173.95,"body":"I had a look at"},{"speaker":"Nick Lincoln","startTime":3172.0,"endTime":3173.95,"body":"proof. I mean, I'm not knocking"},{"speaker":"Nick Lincoln","startTime":3173.95,"endTime":3176.5,"body":"your brand here I had a look at"},{"speaker":"Nick Lincoln","startTime":3173.95,"endTime":3176.5,"body":"proves with profit asset"},{"speaker":"Nick Lincoln","startTime":3176.5,"endTime":3178.5099999999998,"body":"allocation the other day, and I"},{"speaker":"Nick Lincoln","startTime":3176.5,"endTime":3178.5099999999998,"body":"think it was their growth one I"},{"speaker":"Nick Lincoln","startTime":3178.5099999999998,"endTime":3182.17,"body":"think it's like 55% in equities,"},{"speaker":"Nick Lincoln","startTime":3178.5099999999998,"endTime":3182.17,"body":"which intuitively tells me that"},{"speaker":"Nick Lincoln","startTime":3182.17,"endTime":3185.95,"body":"50 45% is not in equities. And"},{"speaker":"Nick Lincoln","startTime":3182.17,"endTime":3185.95,"body":"that's just not for me, that's"},{"speaker":"Nick Lincoln","startTime":3185.95,"endTime":3188.08,"body":"not going to happen over a three"},{"speaker":"Nick Lincoln","startTime":3185.95,"endTime":3188.08,"body":"decade retirement, I don't care"},{"speaker":"Nick Lincoln","startTime":3188.08,"endTime":3190.06,"body":"whether you put a smoothing gate"},{"speaker":"Nick Lincoln","startTime":3188.08,"endTime":3190.06,"body":"at the front of that or not,"},{"speaker":"Nick Lincoln","startTime":3190.33,"endTime":3193.3599999999997,"body":"it's not going to generate a"},{"speaker":"Nick Lincoln","startTime":3190.33,"endTime":3193.3599999999997,"body":"sufficient return from my put"},{"speaker":"Nick Lincoln","startTime":3193.3599999999997,"endTime":3195.91,"body":"away from the way I see the"},{"speaker":"Nick Lincoln","startTime":3193.3599999999997,"endTime":3195.91,"body":"world going forward. So"},{"speaker":"Alan Smith","startTime":3195.91,"endTime":3202.0,"body":"so a high quality,"},{"speaker":"Alan Smith","startTime":3195.91,"endTime":3202.0,"body":"thoughtful relationship with an"},{"speaker":"Alan Smith","startTime":3202.0,"endTime":3204.79,"body":"experienced financial planner,"},{"speaker":"Alan Smith","startTime":3202.0,"endTime":3204.79,"body":"looking at the person in the"},{"speaker":"Alan Smith","startTime":3204.79,"endTime":3207.64,"body":"round, looking at national"},{"speaker":"Alan Smith","startTime":3204.79,"endTime":3207.64,"body":"savings, looking at guaranteed"},{"speaker":"Alan Smith","startTime":3207.64,"endTime":3210.85,"body":"income, like state benefits and"},{"speaker":"Alan Smith","startTime":3207.64,"endTime":3210.85,"body":"what you need to know property"},{"speaker":"Alan Smith","startTime":3210.85,"endTime":3213.16,"body":"retirement income. That could be"},{"speaker":"Alan Smith","startTime":3210.85,"endTime":3213.16,"body":"a whole range of different"},{"speaker":"Alan Smith","startTime":3213.16,"endTime":3217.21,"body":"things that you put together"},{"speaker":"Alan Smith","startTime":3213.16,"endTime":3217.21,"body":"like a jigsaw puzzle to"},{"speaker":"Alan Smith","startTime":3217.21,"endTime":3219.49,"body":"identify, you know, where's your"},{"speaker":"Alan Smith","startTime":3217.21,"endTime":3219.49,"body":"income going to come from?"},{"speaker":"Alan Smith","startTime":3219.49,"endTime":3222.16,"body":"What's absolutely essential"},{"speaker":"Alan Smith","startTime":3219.49,"endTime":3222.16,"body":"income and God forbid, even in"},{"speaker":"Alan Smith","startTime":3222.16,"endTime":3226.0299999999997,"body":"Mark in extreme market times,"},{"speaker":"Alan Smith","startTime":3222.16,"endTime":3226.0299999999997,"body":"you might have to fly business"},{"speaker":"Alan Smith","startTime":3226.0299999999997,"endTime":3229.63,"body":"class and not first class. Yeah,"},{"speaker":"Alan Smith","startTime":3226.0299999999997,"endTime":3229.63,"body":"you know, but ya know, yeah,"},{"speaker":"Nick Lincoln","startTime":3230.02,"endTime":3231.6099999999997,"body":"I've had that"},{"speaker":"Nick Lincoln","startTime":3230.02,"endTime":3231.6099999999997,"body":"conversation with your client,"},{"speaker":"Nick Lincoln","startTime":3231.6099999999997,"endTime":3233.83,"body":"treat them as you would wish to"},{"speaker":"Nick Lincoln","startTime":3231.6099999999997,"endTime":3233.83,"body":"be treated. Right. Just tell"},{"speaker":"Nick Lincoln","startTime":3233.83,"endTime":3237.4,"body":"them the truth. Okay. Okay."},{"speaker":"Nick Lincoln","startTime":3233.83,"endTime":3237.4,"body":"Thank you. So that the next the"},{"speaker":"Nick Lincoln","startTime":3237.4,"endTime":3244.3599999999997,"body":"next question from our Twitter"},{"speaker":"Nick Lincoln","startTime":3237.4,"endTime":3244.3599999999997,"body":"followers is a chap called GP"},{"speaker":"Nick Lincoln","startTime":3244.3599999999997,"endTime":3247.42,"body":"mantaining? No, it's not a GP."},{"speaker":"Nick Lincoln","startTime":3244.3599999999997,"endTime":3247.42,"body":"He's not doctor who's Gianpaolo."},{"speaker":"Nick Lincoln","startTime":3247.42,"endTime":3249.31,"body":"He's of Italian descent, but we"},{"speaker":"Nick Lincoln","startTime":3247.42,"endTime":3249.31,"body":"don't hold that against him."},{"speaker":"Nick Lincoln","startTime":3249.31,"endTime":3252.25,"body":"He's on Twitter, as at GP"},{"speaker":"Nick Lincoln","startTime":3249.31,"endTime":3252.25,"body":"underscore min teeny, and"},{"speaker":"Nick Lincoln","startTime":3252.25,"endTime":3255.7,"body":"Gianpaolo says, and we have kind"},{"speaker":"Nick Lincoln","startTime":3252.25,"endTime":3255.7,"body":"of touched on this in a big way"},{"speaker":"Nick Lincoln","startTime":3255.7,"endTime":3258.67,"body":"earlier on. So maybe quickly on"},{"speaker":"Nick Lincoln","startTime":3255.7,"endTime":3258.67,"body":"this one, I'm not gonna ask one"},{"speaker":"Nick Lincoln","startTime":3258.67,"endTime":3261.46,"body":"of you three can what's been the"},{"speaker":"Nick Lincoln","startTime":3258.67,"endTime":3261.46,"body":"most valuable or influential"},{"speaker":"Nick Lincoln","startTime":3261.46,"endTime":3264.91,"body":"course seminar for your"},{"speaker":"Nick Lincoln","startTime":3261.46,"endTime":3264.91,"body":"respective careers? Is it still"},{"speaker":"Nick Lincoln","startTime":3264.94,"endTime":3265.5099999999998,"body":"available?"},{"speaker":"Andy Hart","startTime":3268.0299999999997,"endTime":3270.7599999999998,"body":"I'll click on that."},{"speaker":"Andy Hart","startTime":3268.0299999999997,"endTime":3270.7599999999998,"body":"For me. It's Nick Murray. And"},{"speaker":"Andy Hart","startTime":3270.7599999999998,"endTime":3273.0699999999997,"body":"number one position Nick Murray."},{"speaker":"Andy Hart","startTime":3270.7599999999998,"endTime":3273.0699999999997,"body":"Number two position Nygma. And"},{"speaker":"Andy Hart","startTime":3273.0699999999997,"endTime":3276.31,"body":"number three position, Nick"},{"speaker":"Andy Hart","startTime":3273.0699999999997,"endTime":3276.31,"body":"Murray from me. What courses"},{"speaker":"Alan Smith","startTime":3276.43,"endTime":3278.14,"body":"courses Nick Murray"},{"speaker":"Alan Smith","startTime":3276.43,"endTime":3278.14,"body":"do? Does it matter to you? Of"},{"speaker":"Alan Smith","startTime":3278.14,"endTime":3278.62,"body":"course."},{"speaker":"Andy Hart","startTime":3280.6,"endTime":3283.18,"body":"He does his"},{"speaker":"Andy Hart","startTime":3280.6,"endTime":3283.18,"body":"behavioral investment seminar"},{"speaker":"Andy Hart","startTime":3283.18,"endTime":3285.94,"body":"once a year in October, I"},{"speaker":"Andy Hart","startTime":3283.18,"endTime":3285.94,"body":"believe does a monthly"},{"speaker":"Andy Hart","startTime":3285.94,"endTime":3289.63,"body":"newsletter of eight pages of"},{"speaker":"Andy Hart","startTime":3285.94,"endTime":3289.63,"body":"pure gold has got four of the"},{"speaker":"Andy Hart","startTime":3289.63,"endTime":3293.23,"body":"greatest financial planning"},{"speaker":"Andy Hart","startTime":3289.63,"endTime":3293.23,"body":"books ever written. Yep, he's"},{"speaker":"Andy Hart","startTime":3293.77,"endTime":3296.65,"body":"been more influential in my life"},{"speaker":"Andy Hart","startTime":3293.77,"endTime":3296.65,"body":"and business than anyone else"},{"speaker":"Andy Hart","startTime":3296.68,"endTime":3301.0,"body":"combined. So yep, that's for me"},{"speaker":"Andy Hart","startTime":3296.68,"endTime":3301.0,"body":"over to call. Okay. Calm."},{"speaker":"Carl Widger","startTime":3302.8599999999997,"endTime":3304.87,"body":"Boring, because I'm"},{"speaker":"Carl Widger","startTime":3302.8599999999997,"endTime":3304.87,"body":"going to repeat something the"},{"speaker":"Carl Widger","startTime":3304.87,"endTime":3308.2599999999998,"body":"Monster High Performance"},{"speaker":"Carl Widger","startTime":3304.87,"endTime":3308.2599999999998,"body":"leadership course. Okay, Alan."},{"speaker":"Alan Smith","startTime":3309.22,"endTime":3310.9,"body":"All right, I'm going"},{"speaker":"Alan Smith","startTime":3309.22,"endTime":3310.9,"body":"to say something that I haven't"},{"speaker":"Alan Smith","startTime":3310.9,"endTime":3314.62,"body":"I don't think I've said before,"},{"speaker":"Alan Smith","startTime":3310.9,"endTime":3314.62,"body":"which I think is relevant and"},{"speaker":"Alan Smith","startTime":3314.65,"endTime":3319.18,"body":"interesting, which is gonna be a"},{"speaker":"Alan Smith","startTime":3314.65,"endTime":3319.18,"body":"fresh story. Now, it's not fresh"},{"speaker":"Alan Smith","startTime":3319.18,"endTime":3321.94,"body":"Starbucks. Of course, I went on"},{"speaker":"Alan Smith","startTime":3319.18,"endTime":3321.94,"body":"a couple years ago and was in"},{"speaker":"Alan Smith","startTime":3321.94,"endTime":3324.4,"body":"person course I believe it's"},{"speaker":"Alan Smith","startTime":3321.94,"endTime":3324.4,"body":"still going which is the Daniel"},{"speaker":"Alan Smith","startTime":3324.4,"endTime":3329.83,"body":"Priestley dent key person of"},{"speaker":"Alan Smith","startTime":3324.4,"endTime":3329.83,"body":"influence program. That was a"},{"speaker":"Alan Smith","startTime":3329.83,"endTime":3332.74,"body":"series of meetings, you get"},{"speaker":"Alan Smith","startTime":3329.83,"endTime":3332.74,"body":"together with God and my time it"},{"speaker":"Alan Smith","startTime":3332.74,"endTime":3335.71,"body":"was the 80 or 90 business"},{"speaker":"Alan Smith","startTime":3332.74,"endTime":3335.71,"body":"owners. And you go through this"},{"speaker":"Alan Smith","startTime":3335.71,"endTime":3338.77,"body":"process, and Daniel has got this"},{"speaker":"Alan Smith","startTime":3335.71,"endTime":3338.77,"body":"whole thing mapped out the sort"},{"speaker":"Alan Smith","startTime":3338.77,"endTime":3342.31,"body":"of five P's about how to become"},{"speaker":"Alan Smith","startTime":3338.77,"endTime":3342.31,"body":"a key person of influence. And I"},{"speaker":"Alan Smith","startTime":3342.31,"endTime":3345.58,"body":"think that this course in this"},{"speaker":"Alan Smith","startTime":3342.31,"endTime":3345.58,"body":"program and the book and the"},{"speaker":"Alan Smith","startTime":3345.58,"endTime":3348.88,"body":"whole kind of online thing that"},{"speaker":"Alan Smith","startTime":3345.58,"endTime":3348.88,"body":"supports it is highly relevant"},{"speaker":"Alan Smith","startTime":3348.94,"endTime":3351.52,"body":"to most financial planners,"},{"speaker":"Alan Smith","startTime":3348.94,"endTime":3351.52,"body":"where we are today, every one of"},{"speaker":"Alan Smith","startTime":3351.52,"endTime":3355.0299999999997,"body":"us, maybe what in nearly every"},{"speaker":"Alan Smith","startTime":3351.52,"endTime":3355.0299999999997,"body":"listener should they wish to be?"},{"speaker":"Alan Smith","startTime":3355.66,"endTime":3357.94,"body":"And it feeds the answer to some"},{"speaker":"Alan Smith","startTime":3355.66,"endTime":3357.94,"body":"of the some of the other"},{"speaker":"Alan Smith","startTime":3357.94,"endTime":3360.2799999999997,"body":"questions that get raised as"},{"speaker":"Alan Smith","startTime":3357.94,"endTime":3360.2799999999997,"body":"well as how do I generate more"},{"speaker":"Alan Smith","startTime":3360.2799999999997,"endTime":3363.04,"body":"opportunities? How do I win more"},{"speaker":"Alan Smith","startTime":3360.2799999999997,"endTime":3363.04,"body":"business? Well, if you went"},{"speaker":"Alan Smith","startTime":3363.04,"endTime":3366.16,"body":"through that program, and you"},{"speaker":"Alan Smith","startTime":3363.04,"endTime":3366.16,"body":"followed what Daniel and his"},{"speaker":"Alan Smith","startTime":3366.16,"endTime":3369.22,"body":"colleagues share with you, you"},{"speaker":"Alan Smith","startTime":3366.16,"endTime":3369.22,"body":"will, I'm pretty confident"},{"speaker":"Alan Smith","startTime":3369.22,"endTime":3372.0099999999998,"body":"you'll be able to attract more"},{"speaker":"Alan Smith","startTime":3369.22,"endTime":3372.0099999999998,"body":"clients, more customers and grow"},{"speaker":"Alan Smith","startTime":3372.0099999999998,"endTime":3374.56,"body":"your business. So it's not a"},{"speaker":"Alan Smith","startTime":3372.0099999999998,"endTime":3374.56,"body":"financial services one but I"},{"speaker":"Alan Smith","startTime":3374.56,"endTime":3376.5699999999997,"body":"think it's highly relevant to"},{"speaker":"Alan Smith","startTime":3374.56,"endTime":3376.5699999999997,"body":"all financial services"},{"speaker":"Alan Smith","startTime":3376.5699999999997,"endTime":3379.87,"body":"practitioners, so keepers of"},{"speaker":"Alan Smith","startTime":3376.5699999999997,"endTime":3379.87,"body":"influence by a company called"},{"speaker":"Alan Smith","startTime":3379.9,"endTime":3381.67,"body":"Identity n. T."},{"speaker":"Carl Widger","startTime":3383.35,"endTime":3386.02,"body":"If you don't mind"},{"speaker":"Carl Widger","startTime":3383.35,"endTime":3386.02,"body":"Ireland, I You said that to me"},{"speaker":"Carl Widger","startTime":3386.02,"endTime":3390.22,"body":"before and I had a look into it."},{"speaker":"Carl Widger","startTime":3386.02,"endTime":3390.22,"body":"I think they've moved the course"},{"speaker":"Carl Widger","startTime":3390.22,"endTime":3394.9,"body":"to online now. So just a quick"},{"speaker":"Carl Widger","startTime":3390.22,"endTime":3394.9,"body":"question. And I might help the"},{"speaker":"Carl Widger","startTime":3394.9,"endTime":3398.17,"body":"listeners was a lot of the"},{"speaker":"Carl Widger","startTime":3394.9,"endTime":3398.17,"body":"learning you got out of that I"},{"speaker":"Carl Widger","startTime":3398.17,"endTime":3401.2599999999998,"body":"know you are going to kind of in"},{"speaker":"Carl Widger","startTime":3398.17,"endTime":3401.2599999999998,"body":"person events for that over a"},{"speaker":"Carl Widger","startTime":3401.2599999999998,"endTime":3404.65,"body":"period of a year, or something"},{"speaker":"Carl Widger","startTime":3401.2599999999998,"endTime":3404.65,"body":"like that. What was what would"},{"speaker":"Carl Widger","startTime":3404.65,"endTime":3409.15,"body":"you say that the learning you"},{"speaker":"Carl Widger","startTime":3404.65,"endTime":3409.15,"body":"got from it would have been less"},{"speaker":"Carl Widger","startTime":3409.18,"endTime":3412.21,"body":"if you weren't meeting other"},{"speaker":"Carl Widger","startTime":3409.18,"endTime":3412.21,"body":"entrepreneurs, other people in"},{"speaker":"Carl Widger","startTime":3412.21,"endTime":3413.29,"body":"the same boat as you?"},{"speaker":"Alan Smith","startTime":3414.0099999999998,"endTime":3418.06,"body":"Yes, is the short"},{"speaker":"Alan Smith","startTime":3414.0099999999998,"endTime":3418.06,"body":"answer. Of course, like all"},{"speaker":"Alan Smith","startTime":3418.06,"endTime":3420.73,"body":"conferences, all meetings you go"},{"speaker":"Alan Smith","startTime":3418.06,"endTime":3420.73,"body":"to, we've talked about it before"},{"speaker":"Alan Smith","startTime":3420.7599999999998,"endTime":3423.19,"body":"you go around the coffee machine"},{"speaker":"Alan Smith","startTime":3420.7599999999998,"endTime":3423.19,"body":"around in the bar afterwards or"},{"speaker":"Alan Smith","startTime":3423.19,"endTime":3426.52,"body":"whatever. There's a lot more and"},{"speaker":"Alan Smith","startTime":3423.19,"endTime":3426.52,"body":"I really benefited there was"},{"speaker":"Alan Smith","startTime":3426.58,"endTime":3428.83,"body":"there was one or two other"},{"speaker":"Alan Smith","startTime":3426.58,"endTime":3428.83,"body":"financial services people there."},{"speaker":"Alan Smith","startTime":3428.83,"endTime":3431.3199999999997,"body":"But unlike other things, I've"},{"speaker":"Alan Smith","startTime":3428.83,"endTime":3431.3199999999997,"body":"gone to this other thing I"},{"speaker":"Alan Smith","startTime":3431.3199999999997,"endTime":3433.63,"body":"haven't mentioned, Strategic"},{"speaker":"Alan Smith","startTime":3431.3199999999997,"endTime":3433.63,"body":"Coach, Dan Sullivan, Strategic"},{"speaker":"Alan Smith","startTime":3433.63,"endTime":3435.7599999999998,"body":"Coach, which I spent three years"},{"speaker":"Alan Smith","startTime":3433.63,"endTime":3435.7599999999998,"body":"on, which is also very good. But"},{"speaker":"Alan Smith","startTime":3435.7599999999998,"endTime":3438.94,"body":"that was was lots of other"},{"speaker":"Alan Smith","startTime":3435.7599999999998,"endTime":3438.94,"body":"financial planners on that. So"},{"speaker":"Alan Smith","startTime":3438.94,"endTime":3441.67,"body":"you weren't necessarily getting"},{"speaker":"Alan Smith","startTime":3438.94,"endTime":3441.67,"body":"a sort of diversity of thoughts."},{"speaker":"Alan Smith","startTime":3441.67,"endTime":3444.4,"body":"But this key person of"},{"speaker":"Alan Smith","startTime":3441.67,"endTime":3444.4,"body":"influence, I think I was one of"},{"speaker":"Alan Smith","startTime":3444.58,"endTime":3447.64,"body":"maybe two financial services"},{"speaker":"Alan Smith","startTime":3444.58,"endTime":3447.64,"body":"people. So all sorts of"},{"speaker":"Alan Smith","startTime":3447.64,"endTime":3449.62,"body":"different business people. And"},{"speaker":"Alan Smith","startTime":3447.64,"endTime":3449.62,"body":"of course, they just had similar"},{"speaker":"Alan Smith","startTime":3449.71,"endTime":3452.17,"body":"issues and challenges that I had"},{"speaker":"Alan Smith","startTime":3449.71,"endTime":3452.17,"body":"as a business person, first and"},{"speaker":"Alan Smith","startTime":3452.17,"endTime":3454.9,"body":"foremost, which obviously, I"},{"speaker":"Alan Smith","startTime":3452.17,"endTime":3454.9,"body":"don't get, I don't think you're"},{"speaker":"Alan Smith","startTime":3454.9,"endTime":3457.6,"body":"getting to the same level. I"},{"speaker":"Alan Smith","startTime":3454.9,"endTime":3457.6,"body":"think we were the last one to go"},{"speaker":"Alan Smith","startTime":3457.6,"endTime":3463.0299999999997,"body":"on in person one, mate, but you"},{"speaker":"Alan Smith","startTime":3457.6,"endTime":3463.0299999999997,"body":"probably if you do it online,"},{"speaker":"Alan Smith","startTime":3463.0299999999997,"endTime":3465.16,"body":"you probably aren't getting all"},{"speaker":"Alan Smith","startTime":3463.0299999999997,"endTime":3465.16,"body":"you know, you're getting the the"},{"speaker":"Alan Smith","startTime":3465.16,"endTime":3468.58,"body":"information, the data, the"},{"speaker":"Alan Smith","startTime":3465.16,"endTime":3468.58,"body":"reporting, the templates, the"},{"speaker":"Alan Smith","startTime":3468.58,"endTime":3471.1,"body":"tools that they give you. You're"},{"speaker":"Alan Smith","startTime":3468.58,"endTime":3471.1,"body":"just missing that on that"},{"speaker":"Alan Smith","startTime":3471.1,"endTime":3474.37,"body":"social, but I think that they"},{"speaker":"Alan Smith","startTime":3471.1,"endTime":3474.37,"body":"arranged some social events as"},{"speaker":"Alan Smith","startTime":3474.37,"endTime":3477.49,"body":"well, just to complement it not"},{"speaker":"Alan Smith","startTime":3474.37,"endTime":3477.49,"body":"still worth doing as far as"},{"speaker":"Alan Smith","startTime":3477.49,"endTime":3480.19,"body":"they're concerned. Yeah, I would"},{"speaker":"Alan Smith","startTime":3477.49,"endTime":3480.19,"body":"say so. Yeah, I would say it's"},{"speaker":"Alan Smith","startTime":3480.19,"endTime":3480.7,"body":"definitely worth"},{"speaker":"Andy Hart","startTime":3481.0,"endTime":3483.25,"body":"investigating. As an"},{"speaker":"Andy Hart","startTime":3481.0,"endTime":3483.25,"body":"introduction. The book is"},{"speaker":"Andy Hart","startTime":3483.25,"endTime":3485.92,"body":"amazing. Who is timeless KPI."},{"speaker":"Andy Hart","startTime":3483.25,"endTime":3485.92,"body":"Yeah."},{"speaker":"Alan Smith","startTime":3486.43,"endTime":3488.2,"body":"But what I'm seeing"},{"speaker":"Alan Smith","startTime":3486.43,"endTime":3488.2,"body":"on that as well, I read that"},{"speaker":"Alan Smith","startTime":3488.2,"endTime":3490.39,"body":"book. I don't know, when it"},{"speaker":"Alan Smith","startTime":3488.2,"endTime":3490.39,"body":"first came out years and years"},{"speaker":"Alan Smith","startTime":3490.39,"endTime":3492.8199999999997,"body":"ago, and it was one of these."},{"speaker":"Alan Smith","startTime":3490.39,"endTime":3492.8199999999997,"body":"Yeah, it was alright, quite"},{"speaker":"Alan Smith","startTime":3492.8199999999997,"endTime":3495.04,"body":"interesting. It shows you"},{"speaker":"Alan Smith","startTime":3492.8199999999997,"endTime":3495.04,"body":"there's a time then things"},{"speaker":"Alan Smith","startTime":3495.04,"endTime":3497.65,"body":"resonate more, because I read it"},{"speaker":"Alan Smith","startTime":3495.04,"endTime":3497.65,"body":"again, you know, a couple of"},{"speaker":"Alan Smith","startTime":3497.65,"endTime":3500.35,"body":"years ago before I went on the"},{"speaker":"Alan Smith","startTime":3497.65,"endTime":3500.35,"body":"on the program. And it was I"},{"speaker":"Alan Smith","startTime":3500.35,"endTime":3503.38,"body":"thought, wow, this is exactly"},{"speaker":"Alan Smith","startTime":3500.35,"endTime":3503.38,"body":"what I need to learn right now."},{"speaker":"Alan Smith","startTime":3503.38,"endTime":3505.3599999999997,"body":"So I think you can you can read"},{"speaker":"Alan Smith","startTime":3503.38,"endTime":3505.3599999999997,"body":"a book at different times."},{"speaker":"Alan Smith","startTime":3505.7799999999997,"endTime":3506.92,"body":"Wrong, it doesn't resonate."},{"speaker":"Andy Hart","startTime":3507.1,"endTime":3508.54,"body":"Yeah, right, but"},{"speaker":"Andy Hart","startTime":3507.1,"endTime":3508.54,"body":"wrong time."},{"speaker":"Nick Lincoln","startTime":3509.02,"endTime":3510.19,"body":"Okay. Yeah."},{"speaker":"Alan Smith","startTime":3511.2999999999997,"endTime":3512.89,"body":"gestion to Mr. Min."},{"speaker":"Alan Smith","startTime":3511.2999999999997,"endTime":3512.89,"body":"Thank"},{"speaker":"Nick Lincoln","startTime":3512.89,"endTime":3514.9,"body":"you, Alan. Right."},{"speaker":"Nick Lincoln","startTime":3512.89,"endTime":3514.9,"body":"So moving on, guys, I think we"},{"speaker":"Nick Lincoln","startTime":3514.9,"endTime":3521.41,"body":"should be getting a culture"},{"speaker":"Nick Lincoln","startTime":3514.9,"endTime":3521.41,"body":"corner because we're at 57. And"},{"speaker":"Nick Lincoln","startTime":3521.44,"endTime":3524.8599999999997,"body":"Rob Stevenson and a video call"},{"speaker":"Nick Lincoln","startTime":3521.44,"endTime":3524.8599999999997,"body":"that you'd like to tell the"},{"speaker":"Nick Lincoln","startTime":3524.89,"endTime":3525.7,"body":"practice about?"},{"speaker":"Carl Widger","startTime":3525.8199999999997,"endTime":3528.22,"body":"Yeah, so this came"},{"speaker":"Carl Widger","startTime":3525.8199999999997,"endTime":3528.22,"body":"from my conversation with Rob"},{"speaker":"Carl Widger","startTime":3528.22,"endTime":3532.5099999999998,"body":"last week. So he pointed me to a"},{"speaker":"Carl Widger","startTime":3528.22,"endTime":3532.5099999999998,"body":"video that he had posted on"},{"speaker":"Carl Widger","startTime":3532.5099999999998,"endTime":3535.2999999999997,"body":"Twitter, so we put it in the"},{"speaker":"Carl Widger","startTime":3532.5099999999998,"endTime":3535.2999999999997,"body":"show notes. It's called"},{"speaker":"Carl Widger","startTime":3535.2999999999997,"endTime":3540.0699999999997,"body":"succession power scale. So it is"},{"speaker":"Carl Widger","startTime":3535.2999999999997,"endTime":3540.0699999999997,"body":"a question that a lot of"},{"speaker":"Carl Widger","startTime":3540.0699999999997,"endTime":3542.77,"body":"financial planning firms are"},{"speaker":"Carl Widger","startTime":3540.0699999999997,"endTime":3542.77,"body":"asking, you know, how is my"},{"speaker":"Carl Widger","startTime":3542.77,"endTime":3545.8599999999997,"body":"business valued? And I think"},{"speaker":"Carl Widger","startTime":3542.77,"endTime":3545.8599999999997,"body":"we've even been asked it in our"},{"speaker":"Carl Widger","startTime":3545.89,"endTime":3548.83,"body":"in from from some of the"},{"speaker":"Carl Widger","startTime":3545.89,"endTime":3548.83,"body":"Trappists in terms of questions"},{"speaker":"Carl Widger","startTime":3548.83,"endTime":3553.2999999999997,"body":"coming in. So really good video"},{"speaker":"Carl Widger","startTime":3548.83,"endTime":3553.2999999999997,"body":"that that Rob post that's well"},{"speaker":"Carl Widger","startTime":3553.2999999999997,"endTime":3558.16,"body":"worth watching in terms of how"},{"speaker":"Carl Widger","startTime":3553.2999999999997,"endTime":3558.16,"body":"businesses are valued. And"},{"speaker":"Carl Widger","startTime":3558.16,"endTime":3560.23,"body":"looked at dozens this actually"},{"speaker":"Carl Widger","startTime":3558.16,"endTime":3560.23,"body":"proved the point. You know, if"},{"speaker":"Carl Widger","startTime":3560.23,"endTime":3562.7799999999997,"body":"you're, if you're willing to try"},{"speaker":"Carl Widger","startTime":3560.23,"endTime":3562.7799999999997,"body":"and learn and be curious,"},{"speaker":"Carl Widger","startTime":3563.02,"endTime":3566.5,"body":"there's so much stuff out there."},{"speaker":"Carl Widger","startTime":3563.02,"endTime":3566.5,"body":"It's all out there for free."},{"speaker":"Carl Widger","startTime":3566.83,"endTime":3570.94,"body":"Right? His his expertise in a 50"},{"speaker":"Carl Widger","startTime":3566.83,"endTime":3570.94,"body":"minute video or something like"},{"speaker":"Carl Widger","startTime":3570.94,"endTime":3574.42,"body":"that, for free. Go and watch it"},{"speaker":"Carl Widger","startTime":3570.94,"endTime":3574.42,"body":"brilliant for everybody"},{"speaker":"Nick Lincoln","startTime":3574.54,"endTime":3576.7599999999998,"body":"with excellent"},{"speaker":"Nick Lincoln","startTime":3574.54,"endTime":3576.7599999999998,"body":"stuff. Thank you, Alan, you've"},{"speaker":"Nick Lincoln","startTime":3576.7599999999998,"endTime":3580.7799999999997,"body":"got open AI, artificial"},{"speaker":"Nick Lincoln","startTime":3576.7599999999998,"endTime":3580.7799999999997,"body":"intelligence, many applications"},{"speaker":"Nick Lincoln","startTime":3580.7799999999997,"endTime":3582.46,"body":"for financial planners to"},{"speaker":"Nick Lincoln","startTime":3580.7799999999997,"endTime":3582.46,"body":"expand."},{"speaker":"Alan Smith","startTime":3582.5499999999997,"endTime":3585.49,"body":"Yeah, I'm talking"},{"speaker":"Alan Smith","startTime":3582.5499999999997,"endTime":3585.49,"body":"about for free artificial"},{"speaker":"Alan Smith","startTime":3585.49,"endTime":3588.4,"body":"intelligence. We've all heard"},{"speaker":"Alan Smith","startTime":3585.49,"endTime":3588.4,"body":"this phrase bandied around for"},{"speaker":"Alan Smith","startTime":3588.4,"endTime":3591.16,"body":"years, it hasn't. I haven't"},{"speaker":"Alan Smith","startTime":3588.4,"endTime":3591.16,"body":"really noticed much in the way"},{"speaker":"Alan Smith","startTime":3591.16,"endTime":3594.6099999999997,"body":"you know, does Siri work every"},{"speaker":"Alan Smith","startTime":3591.16,"endTime":3594.6099999999997,"body":"time there's Hey, Alexa and all"},{"speaker":"Alan Smith","startTime":3594.6099999999997,"endTime":3596.95,"body":"the rest of it. I'm scared of"},{"speaker":"Alan Smith","startTime":3594.6099999999997,"endTime":3596.95,"body":"saying things aloud in case"},{"speaker":"Alan Smith","startTime":3596.95,"endTime":3599.56,"body":"music's turns on or something"},{"speaker":"Alan Smith","startTime":3596.95,"endTime":3599.56,"body":"right now on live on the"},{"speaker":"Alan Smith","startTime":3599.56,"endTime":3604.8399999999997,"body":"podcast. But I came across this"},{"speaker":"Alan Smith","startTime":3599.56,"endTime":3604.8399999999997,"body":"quite recently, again, put the"},{"speaker":"Alan Smith","startTime":3604.8399999999997,"endTime":3607.27,"body":"show notes of the company called"},{"speaker":"Alan Smith","startTime":3604.8399999999997,"endTime":3607.27,"body":"Open AI and they've got this"},{"speaker":"Alan Smith","startTime":3607.27,"endTime":3615.91,"body":"chat bot thing called Chat. GP T"},{"speaker":"Alan Smith","startTime":3607.27,"endTime":3615.91,"body":"is amazing. Now, if I was a, I"},{"speaker":"Alan Smith","startTime":3615.91,"endTime":3618.64,"body":"don't know, right now a"},{"speaker":"Alan Smith","startTime":3615.91,"endTime":3618.64,"body":"copywriter or someone creating"},{"speaker":"Alan Smith","startTime":3618.67,"endTime":3621.94,"body":"written content, but there's a"},{"speaker":"Alan Smith","startTime":3618.67,"endTime":3621.94,"body":"whole lot of extra applications"},{"speaker":"Alan Smith","startTime":3622.5099999999998,"endTime":3625.8399999999997,"body":"go to this, it's free see into"},{"speaker":"Alan Smith","startTime":3622.5099999999998,"endTime":3625.8399999999997,"body":"it that I mean, I just did, for"},{"speaker":"Alan Smith","startTime":3625.8399999999997,"endTime":3631.24,"body":"example, write a 500 word essay"},{"speaker":"Alan Smith","startTime":3625.8399999999997,"endTime":3631.24,"body":"on the meaning of true wealth,"},{"speaker":"Alan Smith","startTime":3631.33,"endTime":3633.4,"body":"for example, which is something"},{"speaker":"Alan Smith","startTime":3631.33,"endTime":3633.4,"body":"which is kind of dear to me part"},{"speaker":"Alan Smith","startTime":3633.4,"endTime":3636.16,"body":"of our strapline that we work on"},{"speaker":"Alan Smith","startTime":3633.4,"endTime":3636.16,"body":"as well. And it just within"},{"speaker":"Alan Smith","startTime":3636.16,"endTime":3640.21,"body":"seconds erode a thing now was it"},{"speaker":"Alan Smith","startTime":3636.16,"endTime":3640.21,"body":"perfect? No, but it was I'm"},{"speaker":"Alan Smith","startTime":3640.21,"endTime":3642.94,"body":"telling was 80% good enough, a"},{"speaker":"Alan Smith","startTime":3640.21,"endTime":3642.94,"body":"bit of tweaking and you can post"},{"speaker":"Alan Smith","startTime":3642.94,"endTime":3645.91,"body":"that stuff out and I thought God"},{"speaker":"Alan Smith","startTime":3642.94,"endTime":3645.91,"body":"that would take hours to create"},{"speaker":"Alan Smith","startTime":3645.91,"endTime":3649.45,"body":"anything close to that. And I've"},{"speaker":"Alan Smith","startTime":3645.91,"endTime":3649.45,"body":"seen some other examples. I"},{"speaker":"Alan Smith","startTime":3649.45,"endTime":3653.92,"body":"mean, somebody in the US just"},{"speaker":"Alan Smith","startTime":3649.45,"endTime":3653.92,"body":"said can you do a sale purchase"},{"speaker":"Alan Smith","startTime":3653.92,"endTime":3657.85,"body":"agreement, legal contract and if"},{"speaker":"Alan Smith","startTime":3653.92,"endTime":3657.85,"body":"we can, I mean, you know, New"},{"speaker":"Alan Smith","startTime":3657.85,"endTime":3662.0499999999997,"body":"York State or something. So it"},{"speaker":"Alan Smith","startTime":3657.85,"endTime":3662.0499999999997,"body":"understands that you know, law I"},{"speaker":"Alan Smith","startTime":3662.0499999999997,"endTime":3664.39,"body":"mean, I don't know the"},{"speaker":"Alan Smith","startTime":3662.0499999999997,"endTime":3664.39,"body":"applications more think about a"},{"speaker":"Alan Smith","startTime":3664.39,"endTime":3668.08,"body":"for financial planners are it's"},{"speaker":"Alan Smith","startTime":3664.39,"endTime":3668.08,"body":"both an opportunity and"},{"speaker":"Alan Smith","startTime":3668.08,"endTime":3670.96,"body":"potentially a threat in some"},{"speaker":"Alan Smith","startTime":3668.08,"endTime":3670.96,"body":"cases as well. So check it out."},{"speaker":"Alan Smith","startTime":3670.99,"endTime":3675.04,"body":"We are this is this free Island."},{"speaker":"Alan Smith","startTime":3670.99,"endTime":3675.04,"body":"Is for so you can have so many"},{"speaker":"Alan Smith","startTime":3675.0699999999997,"endTime":3677.65,"body":"of the you can do Somebody for"},{"speaker":"Alan Smith","startTime":3675.0699999999997,"endTime":3677.65,"body":"free. And then you got to start"},{"speaker":"Alan Smith","startTime":3677.65,"endTime":3680.2,"body":"paying for it. I didn't get you."},{"speaker":"Alan Smith","startTime":3677.65,"endTime":3680.2,"body":"I think you could do 20 or more"},{"speaker":"Alan Smith","startTime":3680.2,"endTime":3682.99,"body":"of these examples for free."},{"speaker":"Alan Smith","startTime":3680.2,"endTime":3682.99,"body":"Ultimately, it is a paid for"},{"speaker":"Alan Smith","startTime":3682.99,"endTime":3685.6,"body":"service. Some of the examples"},{"speaker":"Alan Smith","startTime":3682.99,"endTime":3685.6,"body":"that I've seen online I mean, it"},{"speaker":"Alan Smith","startTime":3685.6,"endTime":3688.27,"body":"is You didn't think anything was"},{"speaker":"Alan Smith","startTime":3685.6,"endTime":3688.27,"body":"ever going to challenge Google."},{"speaker":"Alan Smith","startTime":3688.54,"endTime":3691.72,"body":"This challenge. This is a better"},{"speaker":"Alan Smith","startTime":3688.54,"endTime":3691.72,"body":"version of Google. If you're if"},{"speaker":"Alan Smith","startTime":3691.72,"endTime":3695.41,"body":"you said, Can you write a piece"},{"speaker":"Alan Smith","startTime":3691.72,"endTime":3695.41,"body":"of code for me to put a new"},{"speaker":"Alan Smith","startTime":3695.41,"endTime":3699.25,"body":"thing on my website, it produces"},{"speaker":"Alan Smith","startTime":3695.41,"endTime":3699.25,"body":"the code there and then for use"},{"speaker":"Alan Smith","startTime":3699.25,"endTime":3703.66,"body":"copy and paste into your web"},{"speaker":"Alan Smith","startTime":3699.25,"endTime":3703.66,"body":"program, it is in sane is one of"},{"speaker":"Alan Smith","startTime":3703.66,"endTime":3706.2999999999997,"body":"these moments and as you go"},{"speaker":"Alan Smith","startTime":3703.66,"endTime":3706.2999999999997,"body":"through life, you've there's"},{"speaker":"Alan Smith","startTime":3706.2999999999997,"endTime":3710.35,"body":"been some sort of moments of"},{"speaker":"Alan Smith","startTime":3706.2999999999997,"endTime":3710.35,"body":"deep breath Bloody hell, this"},{"speaker":"Alan Smith","startTime":3710.35,"endTime":3713.5,"body":"may be the start of something"},{"speaker":"Alan Smith","startTime":3710.35,"endTime":3713.5,"body":"completely new, completely"},{"speaker":"Alan Smith","startTime":3713.5,"endTime":3716.83,"body":"different. So you heard it here."},{"speaker":"Alan Smith","startTime":3713.5,"endTime":3716.83,"body":"First, folks, it well worth"},{"speaker":"Alan Smith","startTime":3716.83,"endTime":3719.0499999999997,"body":"exploring. The link is in the"},{"speaker":"Alan Smith","startTime":3716.83,"endTime":3719.0499999999997,"body":"show notes."},{"speaker":"Nick Lincoln","startTime":3719.47,"endTime":3721.39,"body":"Lovely, great"},{"speaker":"Nick Lincoln","startTime":3719.47,"endTime":3721.39,"body":"stuff. Thank you. And the all in"},{"speaker":"Nick Lincoln","startTime":3721.39,"endTime":3723.7,"body":"podcast this week, they had they"},{"speaker":"Nick Lincoln","startTime":3721.39,"endTime":3723.7,"body":"had an example of that actually,"},{"speaker":"Nick Lincoln","startTime":3723.7,"endTime":3727.63,"body":"where they Jason Calacanis set"},{"speaker":"Nick Lincoln","startTime":3723.7,"endTime":3727.63,"body":"up a script, with all four of"},{"speaker":"Nick Lincoln","startTime":3727.63,"endTime":3730.39,"body":"them don't just go the AI the"},{"speaker":"Nick Lincoln","startTime":3727.63,"endTime":3730.39,"body":"background, and they came up"},{"speaker":"Nick Lincoln","startTime":3730.39,"endTime":3732.94,"body":"with a script for know for them"},{"speaker":"Nick Lincoln","startTime":3730.39,"endTime":3732.94,"body":"with sort of wearing character."},{"speaker":"Nick Lincoln","startTime":3733.18,"endTime":3736.42,"body":"It was it's cleverly done in the"},{"speaker":"Nick Lincoln","startTime":3733.18,"endTime":3736.42,"body":"style of Quentin Tarantino,"},{"speaker":"Nick Lincoln","startTime":3736.9,"endTime":3739.72,"body":"without the swearing, and if the"},{"speaker":"Nick Lincoln","startTime":3736.9,"endTime":3739.72,"body":"UK tax app."},{"speaker":"Andy Hart","startTime":3740.89,"endTime":3742.96,"body":"Yeah, that's it."},{"speaker":"Andy Hart","startTime":3740.89,"endTime":3742.96,"body":"That's the recommendation. It's"},{"speaker":"Andy Hart","startTime":3742.96,"endTime":3746.38,"body":"called a UK tax app. I've tried"},{"speaker":"Andy Hart","startTime":3742.96,"endTime":3746.38,"body":"a few of these over the years, I"},{"speaker":"Andy Hart","startTime":3746.38,"endTime":3748.5699999999997,"body":"think it's really decent, is"},{"speaker":"Andy Hart","startTime":3746.38,"endTime":3748.5699999999997,"body":"really good, because it allows"},{"speaker":"Andy Hart","startTime":3748.5699999999997,"endTime":3751.18,"body":"you to put multiple incomes, if"},{"speaker":"Andy Hart","startTime":3748.5699999999997,"endTime":3751.18,"body":"you get various dividends,"},{"speaker":"Andy Hart","startTime":3751.18,"endTime":3754.0299999999997,"body":"various salaries for various"},{"speaker":"Andy Hart","startTime":3751.18,"endTime":3754.0299999999997,"body":"self employed profits, and it"},{"speaker":"Andy Hart","startTime":3754.0299999999997,"endTime":3757.12,"body":"breaks it down per year, per"},{"speaker":"Andy Hart","startTime":3754.0299999999997,"endTime":3757.12,"body":"month, for weekly. And it's got"},{"speaker":"Andy Hart","startTime":3757.12,"endTime":3759.91,"body":"a whole pie chart of total tax"},{"speaker":"Andy Hart","startTime":3757.12,"endTime":3759.91,"body":"paid how much you get per week,"},{"speaker":"Andy Hart","startTime":3759.91,"endTime":3761.74,"body":"per month for everything. It's"},{"speaker":"Andy Hart","startTime":3759.91,"endTime":3761.74,"body":"really, really good if you're"},{"speaker":"Andy Hart","startTime":3761.74,"endTime":3765.2799999999997,"body":"doing any sort of personal"},{"speaker":"Andy Hart","startTime":3761.74,"endTime":3765.2799999999997,"body":"income planning for those who"},{"speaker":"Andy Hart","startTime":3765.2799999999997,"endTime":3767.38,"body":"are predominantly self employed"},{"speaker":"Andy Hart","startTime":3765.2799999999997,"endTime":3767.38,"body":"out there. So it's called Yeah,"},{"speaker":"Andy Hart","startTime":3767.38,"endTime":3768.4,"body":"UK tax app."},{"speaker":"Nick Lincoln","startTime":3769.06,"endTime":3770.41,"body":"Okay, sounds"},{"speaker":"Nick Lincoln","startTime":3769.06,"endTime":3770.41,"body":"interesting. I look forward to"},{"speaker":"Nick Lincoln","startTime":3770.41,"endTime":3773.47,"body":"seeing the link to it in the"},{"speaker":"Nick Lincoln","startTime":3770.41,"endTime":3773.47,"body":"show notes. We didn't get"},{"speaker":"Nick Lincoln","startTime":3773.47,"endTime":3774.97,"body":"Jonathan discussed the autumn"},{"speaker":"Nick Lincoln","startTime":3773.47,"endTime":3774.97,"body":"budget"},{"speaker":"Carl Widger","startTime":3775.27,"endTime":3777.6099999999997,"body":"spiring way to"},{"speaker":"Carl Widger","startTime":3775.27,"endTime":3777.6099999999997,"body":"finish that is"},{"speaker":"Nick Lincoln","startTime":3777.6099999999997,"endTime":3779.5,"body":"quite clear in the"},{"speaker":"Nick Lincoln","startTime":3777.6099999999997,"endTime":3779.5,"body":"autumn budget is that many, many"},{"speaker":"Nick Lincoln","startTime":3779.5,"endTime":3782.2,"body":"people are going to need to do"},{"speaker":"Nick Lincoln","startTime":3779.5,"endTime":3782.2,"body":"tax returns with the reductions"},{"speaker":"Nick Lincoln","startTime":3782.2,"endTime":3784.54,"body":"in the dividend allowance and"},{"speaker":"Nick Lincoln","startTime":3782.2,"endTime":3784.54,"body":"the savings interest rates going"},{"speaker":"Nick Lincoln","startTime":3784.5699999999997,"endTime":3786.64,"body":"up and the capital gains tax."},{"speaker":"Nick Lincoln","startTime":3784.5699999999997,"endTime":3786.64,"body":"That's gonna be the complete"},{"speaker":"Nick Lincoln","startTime":3786.64,"endTime":3788.68,"body":"shitstorm for many, many people"},{"speaker":"Nick Lincoln","startTime":3786.64,"endTime":3788.68,"body":"who don't know what's coming"},{"speaker":"Nick Lincoln","startTime":3788.68,"endTime":3789.1,"body":"down the line."},{"speaker":"Andy Hart","startTime":3789.129,"endTime":3792.519,"body":"Oh, you're gonna be"},{"speaker":"Andy Hart","startTime":3789.129,"endTime":3792.519,"body":"the outcome of that Nick. Paton"},{"speaker":"Andy Hart","startTime":3792.549,"endTime":3794.259,"body":"you think it's gonna be out? You"},{"speaker":"Andy Hart","startTime":3792.549,"endTime":3794.259,"body":"think that's gonna be"},{"speaker":"Nick Lincoln","startTime":3795.88,"endTime":3798.31,"body":"a lot more? It"},{"speaker":"Nick Lincoln","startTime":3795.88,"endTime":3798.31,"body":"will it will be the app."},{"speaker":"Nick Lincoln","startTime":3798.31,"endTime":3802.63,"body":"Absolutely. Absolutely. Yeah. My"},{"speaker":"Nick Lincoln","startTime":3798.31,"endTime":3802.63,"body":"one is, that's not the"},{"speaker":"Nick Lincoln","startTime":3802.63,"endTime":3804.88,"body":"Godfather, fantastic film. And"},{"speaker":"Nick Lincoln","startTime":3802.63,"endTime":3804.88,"body":"the Godfather two is one of"},{"speaker":"Nick Lincoln","startTime":3804.88,"endTime":3807.13,"body":"those rare examples where a"},{"speaker":"Nick Lincoln","startTime":3804.88,"endTime":3807.13,"body":"sequel is at least as good as"},{"speaker":"Nick Lincoln","startTime":3807.13,"endTime":3810.31,"body":"the first comeback. I read. I"},{"speaker":"Nick Lincoln","startTime":3807.13,"endTime":3810.31,"body":"read the book for the first time"},{"speaker":"Nick Lincoln","startTime":3810.31,"endTime":3813.13,"body":"this week. And I raced through"},{"speaker":"Nick Lincoln","startTime":3810.31,"endTime":3813.13,"body":"it's 500 pages. They've got a"},{"speaker":"Nick Lincoln","startTime":3813.13,"endTime":3816.0699999999997,"body":"bit of a cliche, but the"},{"speaker":"Nick Lincoln","startTime":3813.13,"endTime":3816.0699999999997,"body":"Godfather by Mario Puzo, US Edo."},{"speaker":"Nick Lincoln","startTime":3816.46,"endTime":3819.4,"body":"Just a really, really good bit"},{"speaker":"Nick Lincoln","startTime":3816.46,"endTime":3819.4,"body":"of fiction. me because I loved"},{"speaker":"Nick Lincoln","startTime":3819.4,"endTime":3821.68,"body":"the film so much as well. I can"},{"speaker":"Nick Lincoln","startTime":3819.4,"endTime":3821.68,"body":"sort of visualize the characters"},{"speaker":"Nick Lincoln","startTime":3821.68,"endTime":3824.35,"body":"but it was I enjoy a race"},{"speaker":"Nick Lincoln","startTime":3821.68,"endTime":3824.35,"body":"through 500 pages got through"},{"speaker":"Nick Lincoln","startTime":3824.35,"endTime":3829.7799999999997,"body":"very quickly. Okay, that's a"},{"speaker":"Nick Lincoln","startTime":3824.35,"endTime":3829.7799999999997,"body":"culture corner done. So the trap"},{"speaker":"Nick Lincoln","startTime":3829.7799999999997,"endTime":3832.24,"body":"is we in two weeks time we're"},{"speaker":"Nick Lincoln","startTime":3829.7799999999997,"endTime":3832.24,"body":"going to have a special episode"},{"speaker":"Nick Lincoln","startTime":3832.24,"endTime":3834.97,"body":"nine will be a Christmas special"},{"speaker":"Nick Lincoln","startTime":3832.24,"endTime":3834.97,"body":"devoted just to answering your,"},{"speaker":"Nick Lincoln","startTime":3835.24,"endTime":3837.7,"body":"your questions, our sack is"},{"speaker":"Nick Lincoln","startTime":3835.24,"endTime":3837.7,"body":"bulging with your questions. So"},{"speaker":"Nick Lincoln","startTime":3837.7,"endTime":3839.71,"body":"we're gonna have a really good"},{"speaker":"Nick Lincoln","startTime":3837.7,"endTime":3839.71,"body":"stab to get through maybe 10 to"},{"speaker":"Nick Lincoln","startTime":3839.71,"endTime":3843.5499999999997,"body":"15 of them. We haven't ignored"},{"speaker":"Nick Lincoln","startTime":3839.71,"endTime":3843.5499999999997,"body":"you we are we're in the hopper."},{"speaker":"Nick Lincoln","startTime":3843.7599999999998,"endTime":3847.96,"body":"You're in the hopper of doom."},{"speaker":"Nick Lincoln","startTime":3843.7599999999998,"endTime":3847.96,"body":"And we'll be pulling you out and"},{"speaker":"Nick Lincoln","startTime":3847.96,"endTime":3849.88,"body":"going through it in the next"},{"speaker":"Nick Lincoln","startTime":3847.96,"endTime":3849.88,"body":"episode. So looking forward to"},{"speaker":"Nick Lincoln","startTime":3849.88,"endTime":3851.62,"body":"doing that. But in the meantime,"},{"speaker":"Nick Lincoln","startTime":3849.88,"endTime":3851.62,"body":"when you've got an add on"},{"speaker":"Nick Lincoln","startTime":3851.62,"endTime":3853.5699999999997,"body":"moment, what are you going to"},{"speaker":"Nick Lincoln","startTime":3851.62,"endTime":3853.5699999999997,"body":"do? Because you're gonna leave a"},{"speaker":"Nick Lincoln","startTime":3853.5699999999997,"endTime":3855.7599999999998,"body":"five or six out of five star"},{"speaker":"Nick Lincoln","startTime":3853.5699999999997,"endTime":3855.7599999999998,"body":"review on iTunes, you're gonna"},{"speaker":"Nick Lincoln","startTime":3855.7599999999998,"endTime":3858.79,"body":"go on to YouTube, but liking"},{"speaker":"Nick Lincoln","startTime":3855.7599999999998,"endTime":3858.79,"body":"subscribers so we can then flog"},{"speaker":"Nick Lincoln","startTime":3858.79,"endTime":3861.85,"body":"you with relentless advertising,"},{"speaker":"Nick Lincoln","startTime":3858.79,"endTime":3861.85,"body":"which keeps this going or not"},{"speaker":"Nick Lincoln","startTime":3861.85,"endTime":3863.92,"body":"going as the case may be"},{"speaker":"Nick Lincoln","startTime":3861.85,"endTime":3863.92,"body":"gentleman, have you got anything"},{"speaker":"Nick Lincoln","startTime":3863.92,"endTime":3865.12,"body":"else to say? Are we done?"},{"speaker":"Alan Smith","startTime":3866.08,"endTime":3867.4,"body":"Thank god that's it"},{"speaker":"Alan Smith","startTime":3866.08,"endTime":3867.4,"body":"for now."},{"speaker":"Nick Lincoln","startTime":3868.12,"endTime":3870.16,"body":"Okay, all right,"},{"speaker":"Nick Lincoln","startTime":3868.12,"endTime":3870.16,"body":"guys. Love you guys. Take care"},{"speaker":"Nick Lincoln","startTime":3870.16,"endTime":3871.45,"body":"and see you in two weeks time."}]}