{"version":"1.0.0","segments":[{"speaker":"Unknown","startTime":10.53,"endTime":15.57,"body":"Welcome to The Real"},{"speaker":"Unknown","startTime":10.53,"endTime":15.57,"body":"advisor podcast, t r a p twerp"},{"speaker":"Unknown","startTime":15.93,"endTime":19.17,"body":"please follow us and join in the"},{"speaker":"Unknown","startTime":15.93,"endTime":19.17,"body":"conversation on Twitter at"},{"speaker":"Unknown","startTime":19.17,"endTime":22.92,"body":"advisor podcast where you can"},{"speaker":"Unknown","startTime":19.17,"endTime":22.92,"body":"suggest ideas and themes you'd"},{"speaker":"Unknown","startTime":22.92,"endTime":26.37,"body":"like the track team to discuss."},{"speaker":"Unknown","startTime":22.92,"endTime":26.37,"body":"Also remember to like and"},{"speaker":"Unknown","startTime":26.37,"endTime":30.03,"body":"subscribe to our YouTube channel"},{"speaker":"Unknown","startTime":26.37,"endTime":30.03,"body":"and leave a six out of five star"},{"speaker":"Unknown","startTime":30.03,"endTime":33.99,"body":"review on iTunes. Doing all this"},{"speaker":"Unknown","startTime":30.03,"endTime":33.99,"body":"really really helps us which"},{"speaker":"Unknown","startTime":33.99,"endTime":37.44,"body":"means we can do more to help"},{"speaker":"Unknown","startTime":33.99,"endTime":37.44,"body":"you. Now let's head over to the"},{"speaker":"Unknown","startTime":37.44,"endTime":39.78,"body":"studio for the latest pilot trap"},{"speaker":"Nick Lincoln","startTime":45.06,"endTime":47.79,"body":"yes indeed, dear"},{"speaker":"Nick Lincoln","startTime":45.06,"endTime":47.79,"body":"TRAPPIST, welcome back to what"},{"speaker":"Nick Lincoln","startTime":47.79,"endTime":51.93,"body":"many people are calling episode"},{"speaker":"Nick Lincoln","startTime":47.79,"endTime":51.93,"body":"22 of the real advisor podcast T"},{"speaker":"Nick Lincoln","startTime":51.93,"endTime":56.82,"body":"R A P trap. My name is Nick"},{"speaker":"Nick Lincoln","startTime":51.93,"endTime":56.82,"body":"Lincoln or Nick Lincoln joining"},{"speaker":"Nick Lincoln","startTime":56.82,"endTime":61.29,"body":"me once again the band is"},{"speaker":"Nick Lincoln","startTime":56.82,"endTime":61.29,"body":"reunited babies we're back on"},{"speaker":"Nick Lincoln","startTime":63.3,"endTime":66.33,"body":"the three horsemen of the"},{"speaker":"Nick Lincoln","startTime":63.3,"endTime":66.33,"body":"apocalypse Alan the storyteller"},{"speaker":"Nick Lincoln","startTime":66.33,"endTime":73.05,"body":"Smith and the heart and call the"},{"speaker":"Nick Lincoln","startTime":66.33,"endTime":73.05,"body":"voice which a call just before"},{"speaker":"Nick Lincoln","startTime":73.05,"endTime":77.82,"body":"we go into Andy's high energy"},{"speaker":"Nick Lincoln","startTime":73.05,"endTime":77.82,"body":"reading of the reviews you've"},{"speaker":"Nick Lincoln","startTime":77.82,"endTime":81.48,"body":"had a bucket list moment you you"},{"speaker":"Nick Lincoln","startTime":77.82,"endTime":81.48,"body":"charted the 777 and took your"},{"speaker":"Nick Lincoln","startTime":81.48,"endTime":84.93,"body":"brood to the west coast of a"},{"speaker":"Nick Lincoln","startTime":81.48,"endTime":84.93,"body":"former Connelly How was your"},{"speaker":"Nick Lincoln","startTime":84.93,"endTime":86.07,"body":"time out there my friend"},{"speaker":"Carl Widger","startTime":87.66,"endTime":90.69,"body":"with its charter"},{"speaker":"Carl Widger","startTime":87.66,"endTime":90.69,"body":"the economy seats in there"},{"speaker":"Carl Widger","startTime":90.69,"endTime":95.55,"body":"lingers for a long haul flight."},{"speaker":"Carl Widger","startTime":90.69,"endTime":95.55,"body":"Not too bad on the way over but"},{"speaker":"Carl Widger","startTime":95.58,"endTime":98.55,"body":"by Christ that was a long"},{"speaker":"Carl Widger","startTime":95.58,"endTime":98.55,"body":"journey on the way back. Can I"},{"speaker":"Carl Widger","startTime":98.55,"endTime":102.15,"body":"just say before I start well"},{"speaker":"Carl Widger","startTime":98.55,"endTime":102.15,"body":"done to Amelia and to thank you"},{"speaker":"Carl Widger","startTime":102.39,"endTime":105.09,"body":"and to the people who private"},{"speaker":"Carl Widger","startTime":102.39,"endTime":105.09,"body":"message me to say that Amelia"},{"speaker":"Carl Widger","startTime":105.09,"endTime":115.08,"body":"was much better. It's Amelia and"},{"speaker":"Carl Widger","startTime":105.09,"endTime":115.08,"body":"Amelia on the show. Set up"},{"speaker":"Carl Widger","startTime":118.2,"endTime":120.84,"body":"whilst it may well be true that"},{"speaker":"Carl Widger","startTime":118.2,"endTime":120.84,"body":"Amelia was much better, it's"},{"speaker":"Carl Widger","startTime":120.84,"endTime":125.1,"body":"just plain mean telling me that"},{"speaker":"Carl Widger","startTime":120.84,"endTime":125.1,"body":"by message so anyway, yeah, we"},{"speaker":"Carl Widger","startTime":125.1,"endTime":129.6,"body":"went we went to San Francisco"},{"speaker":"Carl Widger","startTime":125.1,"endTime":129.6,"body":"first we did a couple of days"},{"speaker":"Carl Widger","startTime":129.6,"endTime":133.05,"body":"there did all the touristy"},{"speaker":"Carl Widger","startTime":129.6,"endTime":133.05,"body":"things like cycling over the"},{"speaker":"Carl Widger","startTime":133.05,"endTime":137.43,"body":"Golden Gate Bridge, which was"},{"speaker":"Carl Widger","startTime":133.05,"endTime":137.43,"body":"great fun. However, in San"},{"speaker":"Carl Widger","startTime":137.43,"endTime":140.46,"body":"Francisco, you can't be struck"},{"speaker":"Carl Widger","startTime":137.43,"endTime":140.46,"body":"by the amount of homeless"},{"speaker":"Carl Widger","startTime":140.46,"endTime":143.88,"body":"people. And it seems to me"},{"speaker":"Carl Widger","startTime":140.46,"endTime":143.88,"body":"America is very much broken."},{"speaker":"Carl Widger","startTime":143.97,"endTime":147.36,"body":"It's the haves and the have"},{"speaker":"Carl Widger","startTime":143.97,"endTime":147.36,"body":"nots, there ain't in any in"},{"speaker":"Carl Widger","startTime":147.36,"endTime":150.75,"body":"between. And it's literally"},{"speaker":"Carl Widger","startTime":147.36,"endTime":150.75,"body":"every 50 yards, there's homeless"},{"speaker":"Carl Widger","startTime":150.75,"endTime":154.29,"body":"people. So a kind of does"},{"speaker":"Carl Widger","startTime":150.75,"endTime":154.29,"body":"detract from it a little bit and"},{"speaker":"Carl Widger","startTime":154.29,"endTime":158.91,"body":"it is mega expensive. So just be"},{"speaker":"Carl Widger","startTime":154.29,"endTime":158.91,"body":"warned if you're going there. We"},{"speaker":"Carl Widger","startTime":158.91,"endTime":161.4,"body":"then went from there on to"},{"speaker":"Carl Widger","startTime":158.91,"endTime":161.4,"body":"Yosemite National Park, which"},{"speaker":"Carl Widger","startTime":161.4,"endTime":167.64,"body":"has been on my bucket list for"},{"speaker":"Carl Widger","startTime":161.4,"endTime":167.64,"body":"ever. There is no picture that"},{"speaker":"Carl Widger","startTime":167.64,"endTime":171.33,"body":"can do Yosemite National Park"},{"speaker":"Carl Widger","startTime":167.64,"endTime":171.33,"body":"justice. It is the most"},{"speaker":"Carl Widger","startTime":171.36,"endTime":176.88,"body":"incredible place I've been in my"},{"speaker":"Carl Widger","startTime":171.36,"endTime":176.88,"body":"life. And people would often say"},{"speaker":"Carl Widger","startTime":176.88,"endTime":180.06,"body":"you know that view took their"},{"speaker":"Carl Widger","startTime":176.88,"endTime":180.06,"body":"breath away and I'd always be on"},{"speaker":"Carl Widger","startTime":180.51,"endTime":183.54,"body":"really don't know really what"},{"speaker":"Carl Widger","startTime":180.51,"endTime":183.54,"body":"you're talking about. I do now."},{"speaker":"Carl Widger","startTime":183.93,"endTime":188.16,"body":"This place is incredible. Now"},{"speaker":"Carl Widger","startTime":183.93,"endTime":188.16,"body":"with four teenagers in tow,"},{"speaker":"Carl Widger","startTime":188.25,"endTime":192.18,"body":"doing six days hiking and"},{"speaker":"Carl Widger","startTime":188.25,"endTime":192.18,"body":"cycling around. Yosemite"},{"speaker":"Carl Widger","startTime":192.18,"endTime":196.02,"body":"National Park was probably one"},{"speaker":"Carl Widger","startTime":192.18,"endTime":196.02,"body":"day too many. But in fairness,"},{"speaker":"Carl Widger","startTime":196.02,"endTime":198.99,"body":"they wrote in and they really"},{"speaker":"Carl Widger","startTime":196.02,"endTime":198.99,"body":"got stuck into it. So it was"},{"speaker":"Carl Widger","startTime":198.99,"endTime":203.73,"body":"great fun. We went from there,"},{"speaker":"Carl Widger","startTime":198.99,"endTime":203.73,"body":"then to Monterey, which is on"},{"speaker":"Carl Widger","startTime":203.73,"endTime":207.6,"body":"the coast. That was also"},{"speaker":"Carl Widger","startTime":203.73,"endTime":207.6,"body":"magnificent. The weather"},{"speaker":"Carl Widger","startTime":207.6,"endTime":210.66,"body":"strangely wasn't fantastic. We"},{"speaker":"Carl Widger","startTime":207.6,"endTime":210.66,"body":"were getting kind of 1718"},{"speaker":"Carl Widger","startTime":210.66,"endTime":214.92,"body":"degrees as Irish people used to"},{"speaker":"Carl Widger","startTime":210.66,"endTime":214.92,"body":"rain on much lower temperatures"},{"speaker":"Carl Widger","startTime":214.92,"endTime":220.26,"body":"that was just about perfect for"},{"speaker":"Carl Widger","startTime":214.92,"endTime":220.26,"body":"us. But but genuinely for all of"},{"speaker":"Carl Widger","startTime":220.26,"endTime":223.56,"body":"the we've kind of packed I'd say"},{"speaker":"Carl Widger","startTime":220.26,"endTime":223.56,"body":"four weeks into two weeks. So we"},{"speaker":"Carl Widger","startTime":223.56,"endTime":226.65,"body":"were very, very very active. So"},{"speaker":"Carl Widger","startTime":223.56,"endTime":226.65,"body":"those temperatures were"},{"speaker":"Carl Widger","startTime":226.8,"endTime":231.69,"body":"absolutely perfect for us. Very"},{"speaker":"Carl Widger","startTime":226.8,"endTime":231.69,"body":"very, very expensive over there"},{"speaker":"Carl Widger","startTime":231.69,"endTime":235.44,"body":"though, like absolutely mega"},{"speaker":"Carl Widger","startTime":231.69,"endTime":235.44,"body":"expensive. Top tip I would say"},{"speaker":"Carl Widger","startTime":235.44,"endTime":240.06,"body":"if like me you have four"},{"speaker":"Carl Widger","startTime":235.44,"endTime":240.06,"body":"teenagers. i We did Airbnb in"},{"speaker":"Carl Widger","startTime":240.06,"endTime":245.67,"body":"Yosemite and in Monterey."},{"speaker":"Carl Widger","startTime":240.06,"endTime":245.67,"body":"Definitely a brilliant idea"},{"speaker":"Carl Widger","startTime":245.67,"endTime":249.72,"body":"because everyone kind of gets"},{"speaker":"Carl Widger","startTime":245.67,"endTime":249.72,"body":"their own space. And it's just"},{"speaker":"Carl Widger","startTime":249.75,"endTime":253.68,"body":"much better than jamming us into"},{"speaker":"Carl Widger","startTime":249.75,"endTime":253.68,"body":"kind of two hotel rooms which we"},{"speaker":"Carl Widger","startTime":253.68,"endTime":256.83,"body":"did in San Francisco, where"},{"speaker":"Carl Widger","startTime":253.68,"endTime":256.83,"body":"people are all on top of each"},{"speaker":"Carl Widger","startTime":256.83,"endTime":259.77,"body":"other. The boys didn't mind it"},{"speaker":"Carl Widger","startTime":256.83,"endTime":259.77,"body":"so much but the three girls"},{"speaker":"Carl Widger","startTime":259.77,"endTime":265.77,"body":"weren't major fans of it on by"},{"speaker":"Carl Widger","startTime":259.77,"endTime":265.77,"body":"the way on bucket list items. So"},{"speaker":"Carl Widger","startTime":265.77,"endTime":269.67,"body":"I ticked off a number of them on"},{"speaker":"Carl Widger","startTime":265.77,"endTime":269.67,"body":"the trip one being see the cure"},{"speaker":"Carl Widger","startTime":269.67,"endTime":274.74,"body":"play live. absolutely"},{"speaker":"Carl Widger","startTime":269.67,"endTime":274.74,"body":"magnificent. Your Saturday was"},{"speaker":"Carl Widger","startTime":274.74,"endTime":278.61,"body":"another one and then I went"},{"speaker":"Carl Widger","startTime":274.74,"endTime":278.61,"body":"whale watching in Monterey."},{"speaker":"Carl Widger","startTime":279.57,"endTime":286.47,"body":"Absolutely terrible. It was like"},{"speaker":"Carl Widger","startTime":279.57,"endTime":286.47,"body":"four hours of drizzly cold"},{"speaker":"Carl Widger","startTime":286.47,"endTime":289.83,"body":"miserable stuff to see one whale"},{"speaker":"Carl Widger","startTime":286.47,"endTime":289.83,"body":"about 100 yards away for four"},{"speaker":"Carl Widger","startTime":289.83,"endTime":293.79,"body":"and a half seconds and cost a"},{"speaker":"Carl Widger","startTime":289.83,"endTime":293.79,"body":"pretty penny as you can imagine."},{"speaker":"Carl Widger","startTime":294.0,"endTime":298.62,"body":"So I couldn't help but think"},{"speaker":"Carl Widger","startTime":294.0,"endTime":298.62,"body":"about you know, bucket lists and"},{"speaker":"Carl Widger","startTime":298.86,"endTime":303.09,"body":"having only one To things on"},{"speaker":"Carl Widger","startTime":298.86,"endTime":303.09,"body":"your bucket list is probably a"},{"speaker":"Carl Widger","startTime":303.09,"endTime":306.15,"body":"bad idea because they can"},{"speaker":"Carl Widger","startTime":303.09,"endTime":306.15,"body":"underwhelm as much as they can"},{"speaker":"Carl Widger","startTime":306.15,"endTime":311.16,"body":"overwhelm. So like, definitely"},{"speaker":"Carl Widger","startTime":306.15,"endTime":311.16,"body":"samedi did was everything I"},{"speaker":"Carl Widger","startTime":311.16,"endTime":316.29,"body":"taught and way more but Jesus"},{"speaker":"Carl Widger","startTime":311.16,"endTime":316.29,"body":"way. Now I'm sure loads of"},{"speaker":"Carl Widger","startTime":316.29,"endTime":318.66,"body":"people have had magnificent"},{"speaker":"Carl Widger","startTime":316.29,"endTime":318.66,"body":"experiences way to watch a book"},{"speaker":"Carl Widger","startTime":318.66,"endTime":321.81,"body":"just read it because you can't"},{"speaker":"Carl Widger","startTime":318.66,"endTime":321.81,"body":"tell the whales that were on the"},{"speaker":"Carl Widger","startTime":321.81,"endTime":325.92,"body":"way lads, will you just pop up"},{"speaker":"Carl Widger","startTime":321.81,"endTime":325.92,"body":"there? So yeah, I haven't I"},{"speaker":"Carl Widger","startTime":325.92,"endTime":328.32,"body":"actually have a bucket list. I"},{"speaker":"Carl Widger","startTime":325.92,"endTime":328.32,"body":"have a little diary and I write"},{"speaker":"Carl Widger","startTime":328.32,"endTime":331.62,"body":"loads and loads of things in it."},{"speaker":"Carl Widger","startTime":328.32,"endTime":331.62,"body":"And I think 14 Not not I think I"},{"speaker":"Carl Widger","startTime":331.62,"endTime":334.62,"body":"know I have 48 items there. And"},{"speaker":"Carl Widger","startTime":331.62,"endTime":334.62,"body":"I've ticked off three now this"},{"speaker":"Carl Widger","startTime":334.62,"endTime":339.09,"body":"summer. So I think really"},{"speaker":"Carl Widger","startTime":334.62,"endTime":339.09,"body":"important and as real financial"},{"speaker":"Carl Widger","startTime":339.09,"endTime":343.65,"body":"planners, to encourage all of"},{"speaker":"Carl Widger","startTime":339.09,"endTime":343.65,"body":"our clients to you know, really"},{"speaker":"Carl Widger","startTime":343.65,"endTime":347.34,"body":"work on this. And I think if you"},{"speaker":"Carl Widger","startTime":343.65,"endTime":347.34,"body":"write things down, you know,"},{"speaker":"Carl Widger","startTime":347.37,"endTime":350.67,"body":"they just tend to happen. So,"},{"speaker":"Carl Widger","startTime":347.37,"endTime":350.67,"body":"you know, for me, it was it was"},{"speaker":"Carl Widger","startTime":350.67,"endTime":353.91,"body":"absolutely brilliant. And we had"},{"speaker":"Carl Widger","startTime":350.67,"endTime":353.91,"body":"a magnificent time. And yeah,"},{"speaker":"Carl Widger","startTime":353.94,"endTime":354.78,"body":"back at it now."},{"speaker":"Alan Smith","startTime":356.07,"endTime":358.65,"body":"Was that was being a"},{"speaker":"Alan Smith","startTime":356.07,"endTime":358.65,"body":"co host on The Real advisor"},{"speaker":"Alan Smith","startTime":358.65,"endTime":361.41,"body":"podcast. Was that on your bucket"},{"speaker":"Alan Smith","startTime":358.65,"endTime":361.41,"body":"list, set another tick off?"},{"speaker":"Carl Widger","startTime":361.98,"endTime":364.08,"body":"No, I've told you"},{"speaker":"Carl Widger","startTime":361.98,"endTime":364.08,"body":"the only reason I did that"},{"speaker":"Carl Widger","startTime":364.08,"endTime":369.9,"body":"bucket list was know that both"},{"speaker":"Carl Widger","startTime":364.08,"endTime":369.9,"body":"of those were more as a result"},{"speaker":"Carl Widger","startTime":369.9,"endTime":370.53,"body":"of FOMO."},{"speaker":"Alan Smith","startTime":375.81,"endTime":379.26,"body":"Just Just a quick"},{"speaker":"Alan Smith","startTime":375.81,"endTime":379.26,"body":"quick point on that. I did uh, I"},{"speaker":"Alan Smith","startTime":379.26,"endTime":383.4,"body":"mean literally 2527 years ago I"},{"speaker":"Alan Smith","startTime":379.26,"endTime":383.4,"body":"did a similar trip with a group"},{"speaker":"Alan Smith","startTime":383.4,"endTime":386.28,"body":"of friends flew to San Francisco"},{"speaker":"Alan Smith","startTime":383.4,"endTime":386.28,"body":"drove down that Pacific Coast"},{"speaker":"Alan Smith","startTime":386.28,"endTime":392.22,"body":"Highway level of I ended up down"},{"speaker":"Alan Smith","startTime":386.28,"endTime":392.22,"body":"in San Angeles, then on to San"},{"speaker":"Alan Smith","startTime":392.22,"endTime":396.42,"body":"Diego, crossed to Las Vegas a"},{"speaker":"Alan Smith","startTime":392.22,"endTime":396.42,"body":"few days in Vegas, and then flew"},{"speaker":"Alan Smith","startTime":396.42,"endTime":400.95,"body":"down to New Orleans for the"},{"speaker":"Alan Smith","startTime":396.42,"endTime":400.95,"body":"Mardi Gras. And all the new"},{"speaker":"Alan Smith","startTime":400.95,"endTime":403.95,"body":"decades and decades later when I"},{"speaker":"Alan Smith","startTime":400.95,"endTime":403.95,"body":"meet up with the PALS of mine"},{"speaker":"Alan Smith","startTime":403.95,"endTime":406.68,"body":"that I went with we're still"},{"speaker":"Alan Smith","startTime":403.95,"endTime":406.68,"body":"talking about that trip some of"},{"speaker":"Alan Smith","startTime":406.68,"endTime":408.93,"body":"the sort of crazy things that"},{"speaker":"Alan Smith","startTime":406.68,"endTime":408.93,"body":"went on so there's another"},{"speaker":"Alan Smith","startTime":408.93,"endTime":413.46,"body":"example of spend your money on"},{"speaker":"Alan Smith","startTime":408.93,"endTime":413.46,"body":"experiences more than things"},{"speaker":"Alan Smith","startTime":413.49,"endTime":416.01,"body":"because they never got a fashion"},{"speaker":"Alan Smith","startTime":413.49,"endTime":416.01,"body":"will always keep giving you"},{"speaker":"Alan Smith","startTime":416.01,"endTime":418.71,"body":"always have the memory hopefully"},{"speaker":"Alan Smith","startTime":416.01,"endTime":418.71,"body":"if they are good memories"},{"speaker":"Carl Widger","startTime":418.92,"endTime":422.25,"body":"now look totally"},{"speaker":"Carl Widger","startTime":418.92,"endTime":422.25,"body":"100% And we're like look we made"},{"speaker":"Carl Widger","startTime":422.28,"endTime":426.36,"body":"memories of a lifetime for sure."},{"speaker":"Carl Widger","startTime":422.28,"endTime":426.36,"body":"I would say on that trip I just"},{"speaker":"Carl Widger","startTime":426.36,"endTime":430.29,"body":"embarked on on the trip that you"},{"speaker":"Carl Widger","startTime":426.36,"endTime":430.29,"body":"just discussed there the only"},{"speaker":"Carl Widger","startTime":430.29,"endTime":432.36,"body":"thing similar were that they"},{"speaker":"Carl Widger","startTime":430.29,"endTime":432.36,"body":"were both in America"},{"speaker":"Alan Smith","startTime":433.83,"endTime":436.29,"body":"so yeah, we didn't"},{"speaker":"Alan Smith","startTime":433.83,"endTime":436.29,"body":"we didn't do any whale watching."},{"speaker":"Alan Smith","startTime":436.59,"endTime":438.87,"body":"Yeah, which we saw a few other"},{"speaker":"Alan Smith","startTime":436.59,"endTime":438.87,"body":"things"},{"speaker":"Nick Lincoln","startTime":439.11,"endTime":441.57,"body":"all right you"},{"speaker":"Nick Lincoln","startTime":439.11,"endTime":441.57,"body":"Celtic brothers. Let's let's"},{"speaker":"Nick Lincoln","startTime":441.57,"endTime":443.97,"body":"let's try and bring some order"},{"speaker":"Nick Lincoln","startTime":441.57,"endTime":443.97,"body":"to the show. That's great. Great"},{"speaker":"Nick Lincoln","startTime":443.97,"endTime":447.84,"body":"to have you back when we mean"},{"speaker":"Nick Lincoln","startTime":443.97,"endTime":447.84,"body":"that. Yeah, we kind of mean"},{"speaker":"Nick Lincoln","startTime":448.56,"endTime":451.83,"body":"Andrew. Review Time go on"},{"speaker":"Nick Lincoln","startTime":448.56,"endTime":451.83,"body":"energize us."},{"speaker":"Andy Hart","startTime":452.31,"endTime":458.13,"body":"Yeah, okay, so we're"},{"speaker":"Andy Hart","startTime":452.31,"endTime":458.13,"body":"up to 114 reviews on the Apple"},{"speaker":"Andy Hart","startTime":458.13,"endTime":462.27,"body":"podcast platform. So here we go."},{"speaker":"Andy Hart","startTime":458.13,"endTime":462.27,"body":"Review number one the for the"},{"speaker":"Andy Hart","startTime":462.27,"endTime":465.15,"body":"crushing it five stars great"},{"speaker":"Andy Hart","startTime":462.27,"endTime":465.15,"body":"insights, useful advice"},{"speaker":"Andy Hart","startTime":465.15,"endTime":467.49,"body":"interspersed with lots of banter"},{"speaker":"Andy Hart","startTime":465.15,"endTime":467.49,"body":"and invaluable resource that's"},{"speaker":"Andy Hart","startTime":467.49,"endTime":471.33,"body":"from Phil seven to three next up"},{"speaker":"Andy Hart","startTime":467.49,"endTime":471.33,"body":"a good listen five stars a must"},{"speaker":"Andy Hart","startTime":471.33,"endTime":473.55,"body":"listen, wherever you are on your"},{"speaker":"Andy Hart","startTime":471.33,"endTime":473.55,"body":"financial planning career some"},{"speaker":"Andy Hart","startTime":473.55,"endTime":476.88,"body":"great insights and nuggets and"},{"speaker":"Andy Hart","startTime":473.55,"endTime":476.88,"body":"very easy listening. Nick Platt,"},{"speaker":"Andy Hart","startTime":477.18,"endTime":480.78,"body":"finally fantastic this one last"},{"speaker":"Andy Hart","startTime":477.18,"endTime":480.78,"body":"week. I don't think we did. What"},{"speaker":"Andy Hart","startTime":480.78,"endTime":483.24,"body":"on guys, this podcast is great."},{"speaker":"Andy Hart","startTime":480.78,"endTime":483.24,"body":"Maybe the next one. Alright,"},{"speaker":"Andy Hart","startTime":483.24,"endTime":484.98,"body":"let's move on. Back to you"},{"speaker":"Andy Hart","startTime":483.24,"endTime":484.98,"body":"Chairman."},{"speaker":"Nick Lincoln","startTime":486.21,"endTime":488.61,"body":"Just just to the"},{"speaker":"Nick Lincoln","startTime":486.21,"endTime":488.61,"body":"TRAPPIST Lok, had you as much as"},{"speaker":"Nick Lincoln","startTime":488.61,"endTime":491.52,"body":"I love you, you are a weirdo who"},{"speaker":"Nick Lincoln","startTime":488.61,"endTime":491.52,"body":"who puts things and then reads"},{"speaker":"Nick Lincoln","startTime":491.52,"endTime":496.29,"body":"from the bottom up. Yeah. Okay."},{"speaker":"Alan Smith","startTime":498.24,"endTime":499.74,"body":"Have you just"},{"speaker":"Alan Smith","startTime":498.24,"endTime":499.74,"body":"learned that He's a weirdo?"},{"speaker":"Unknown","startTime":499.8,"endTime":504.18,"body":"I'm going from the old"},{"speaker":"Unknown","startTime":499.8,"endTime":504.18,"body":"knowledge oldest. Oh, anyway,"},{"speaker":"Unknown","startTime":504.18,"endTime":504.6,"body":"okay."},{"speaker":"Nick Lincoln","startTime":504.84,"endTime":508.14,"body":"Right so just my"},{"speaker":"Nick Lincoln","startTime":504.84,"endTime":508.14,"body":"so they're lovely Penelope has"},{"speaker":"Nick Lincoln","startTime":508.14,"endTime":511.41,"body":"had her hair styled this"},{"speaker":"Nick Lincoln","startTime":508.14,"endTime":511.41,"body":"morning. And I think she's so if"},{"speaker":"Nick Lincoln","startTime":511.41,"endTime":513.69,"body":"there was a crashing sound in"},{"speaker":"Nick Lincoln","startTime":511.41,"endTime":513.69,"body":"the background, it's just her"},{"speaker":"Nick Lincoln","startTime":513.72,"endTime":516.12,"body":"doing something with their"},{"speaker":"Nick Lincoln","startTime":513.72,"endTime":516.12,"body":"stylist, whose name apparently"},{"speaker":"Nick Lincoln","startTime":516.12,"endTime":519.6,"body":"is Victoria rose. There you go"},{"speaker":"Nick Lincoln","startTime":516.12,"endTime":519.6,"body":"Victoria a free shout out on the"},{"speaker":"Nick Lincoln","startTime":520.08,"endTime":522.9,"body":"on the trap podcast and I'm"},{"speaker":"Nick Lincoln","startTime":520.08,"endTime":522.9,"body":"recording this as the fourth day"},{"speaker":"Nick Lincoln","startTime":522.9,"endTime":525.78,"body":"of the first tense ashes test"},{"speaker":"Nick Lincoln","startTime":522.9,"endTime":525.78,"body":"commences literally 11 o'clock"},{"speaker":"Nick Lincoln","startTime":525.78,"endTime":527.85,"body":"this morning. So I don't know"},{"speaker":"Nick Lincoln","startTime":525.78,"endTime":527.85,"body":"what's going on there. When we"},{"speaker":"Nick Lincoln","startTime":527.85,"endTime":532.71,"body":"end this. It could all be over."},{"speaker":"Nick Lincoln","startTime":527.85,"endTime":532.71,"body":"Right Mr. Hart? Next Gen"},{"speaker":"Nick Lincoln","startTime":532.71,"endTime":534.75,"body":"conference. Give us the lowdown"},{"speaker":"Nick Lincoln","startTime":532.71,"endTime":534.75,"body":"Dahlia."},{"speaker":"Andy Hart","startTime":535.229,"endTime":538.979,"body":"Oh, okay. Yep. So I"},{"speaker":"Andy Hart","startTime":535.229,"endTime":538.979,"body":"was there. Correct timestamp"},{"speaker":"Andy Hart","startTime":539.129,"endTime":542.459,"body":"this time last week. It was in"},{"speaker":"Andy Hart","startTime":539.129,"endTime":542.459,"body":"Manchester. I was there for a"},{"speaker":"Andy Hart","startTime":542.459,"endTime":546.599,"body":"couple of days. Yeah, superb"},{"speaker":"Andy Hart","startTime":542.459,"endTime":546.599,"body":"again. Yeah, congratulations to"},{"speaker":"Andy Hart","startTime":546.599,"endTime":549.239,"body":"the whole next gen team who put"},{"speaker":"Andy Hart","startTime":546.599,"endTime":549.239,"body":"on a great show. The amount of"},{"speaker":"Andy Hart","startTime":549.239,"endTime":551.129,"body":"effort to put that on was a lot"},{"speaker":"Andy Hart","startTime":549.239,"endTime":551.129,"body":"there loads of different"},{"speaker":"Andy Hart","startTime":551.129,"endTime":554.819,"body":"streams, lots of stuff going on"},{"speaker":"Andy Hart","startTime":551.129,"endTime":554.819,"body":"now to sort of gathering party"},{"speaker":"Andy Hart","startTime":554.819,"endTime":557.249,"body":"awards the night before we were"},{"speaker":"Andy Hart","startTime":554.819,"endTime":557.249,"body":"up for an award but sadly, we"},{"speaker":"Andy Hart","startTime":557.249,"endTime":561.449,"body":"didn't win it. So Sam oaks, the"},{"speaker":"Andy Hart","startTime":557.249,"endTime":561.449,"body":"financial life planner, podcast"},{"speaker":"Andy Hart","startTime":561.449,"endTime":566.339,"body":"won it. So congratulations to"},{"speaker":"Andy Hart","startTime":561.449,"endTime":566.339,"body":"them. Yeah, it was great. So"},{"speaker":"Andy Hart","startTime":566.519,"endTime":570.629,"body":"we're not better again. Maybe,"},{"speaker":"Andy Hart","startTime":566.519,"endTime":570.629,"body":"maybe next year, we'll come back"},{"speaker":"Andy Hart","startTime":570.629,"endTime":575.069,"body":"fighting. And I spoke to a load"},{"speaker":"Andy Hart","startTime":570.629,"endTime":575.069,"body":"of people who were there and"},{"speaker":"Andy Hart","startTime":575.069,"endTime":578.399,"body":"loads of them were huge fans of"},{"speaker":"Andy Hart","startTime":575.069,"endTime":578.399,"body":"traps. I'm gonna shout out a"},{"speaker":"Andy Hart","startTime":578.399,"endTime":583.049,"body":"couple of people now. Ben"},{"speaker":"Andy Hart","startTime":578.399,"endTime":583.049,"body":"Baldwin, George Aegon, Harry"},{"speaker":"Andy Hart","startTime":583.049,"endTime":586.679,"body":"Duncanson down Western. They're"},{"speaker":"Andy Hart","startTime":583.049,"endTime":586.679,"body":"all sort of avid listeners so I"},{"speaker":"Andy Hart","startTime":586.679,"endTime":588.959,"body":"thought I'd give him a personal"},{"speaker":"Andy Hart","startTime":586.679,"endTime":588.959,"body":"shout out but yeah, lots of"},{"speaker":"Andy Hart","startTime":588.959,"endTime":592.709,"body":"people in the audience and"},{"speaker":"Andy Hart","startTime":588.959,"endTime":592.709,"body":"delegates do listen to the show"},{"speaker":"Andy Hart","startTime":592.709,"endTime":595.859,"body":"I'm sure so yeah, we're doing"},{"speaker":"Andy Hart","startTime":592.709,"endTime":595.859,"body":"some some good work back to you"},{"speaker":"Andy Hart","startTime":595.859,"endTime":596.249,"body":"boss."},{"speaker":"Nick Lincoln","startTime":597.6,"endTime":599.22,"body":"Very good fellow"},{"speaker":"Nick Lincoln","startTime":597.6,"endTime":599.22,"body":"is still with you. The next one"},{"speaker":"Nick Lincoln","startTime":599.22,"endTime":601.65,"body":"he actually devote have some"},{"speaker":"Nick Lincoln","startTime":599.22,"endTime":601.65,"body":"clients withdrawing money to"},{"speaker":"Nick Lincoln","startTime":601.65,"endTime":602.76,"body":"help kids?"},{"speaker":"Andy Hart","startTime":603.03,"endTime":605.64,"body":"Yeah, this is, I"},{"speaker":"Andy Hart","startTime":603.03,"endTime":605.64,"body":"suppose a slightly bigger topic."},{"speaker":"Andy Hart","startTime":605.64,"endTime":607.77,"body":"But I've got a couple of clients"},{"speaker":"Andy Hart","startTime":605.64,"endTime":607.77,"body":"at the moment who are doing"},{"speaker":"Andy Hart","startTime":607.77,"endTime":611.46,"body":"this, and helping out their"},{"speaker":"Andy Hart","startTime":607.77,"endTime":611.46,"body":"children who are going through"},{"speaker":"Andy Hart","startTime":611.55,"endTime":615.48,"body":"tough times. And one of them's"},{"speaker":"Andy Hart","startTime":611.55,"endTime":615.48,"body":"sort of a relatively small"},{"speaker":"Andy Hart","startTime":615.48,"endTime":618.6,"body":"amount, let's call it 10% of"},{"speaker":"Andy Hart","startTime":615.48,"endTime":618.6,"body":"their overall investable assets."},{"speaker":"Andy Hart","startTime":618.6,"endTime":622.98,"body":"But one of them's a lot larger"},{"speaker":"Andy Hart","startTime":618.6,"endTime":622.98,"body":"amount. And I know obviously,"},{"speaker":"Andy Hart","startTime":623.01,"endTime":626.46,"body":"really advisors listen to this"},{"speaker":"Andy Hart","startTime":623.01,"endTime":626.46,"body":"will, will, will straddle this"},{"speaker":"Andy Hart","startTime":626.49,"endTime":631.17,"body":"sort of situation with their"},{"speaker":"Andy Hart","startTime":626.49,"endTime":631.17,"body":"real clients. But to me, I"},{"speaker":"Andy Hart","startTime":631.17,"endTime":634.44,"body":"always sort of boil it back down"},{"speaker":"Andy Hart","startTime":631.17,"endTime":634.44,"body":"to obviously, it's great that"},{"speaker":"Andy Hart","startTime":634.44,"endTime":636.51,"body":"are in the position that they"},{"speaker":"Andy Hart","startTime":634.44,"endTime":636.51,"body":"can help their family, you know,"},{"speaker":"Andy Hart","startTime":636.51,"endTime":639.75,"body":"you invest for your unknown"},{"speaker":"Andy Hart","startTime":636.51,"endTime":639.75,"body":"future, the more wealth you can"},{"speaker":"Andy Hart","startTime":639.75,"endTime":644.07,"body":"create more wealth is freedom,"},{"speaker":"Andy Hart","startTime":639.75,"endTime":644.07,"body":"freedom is opportunity. So yeah,"},{"speaker":"Andy Hart","startTime":644.1,"endTime":647.1,"body":"it just reinforces, you don't"},{"speaker":"Andy Hart","startTime":644.1,"endTime":647.1,"body":"know what's around the corner."},{"speaker":"Andy Hart","startTime":647.22,"endTime":649.89,"body":"You know, we've got clients now"},{"speaker":"Andy Hart","startTime":647.22,"endTime":649.89,"body":"that are, you know, having to"},{"speaker":"Andy Hart","startTime":650.31,"endTime":653.58,"body":"pay financial contribution to"},{"speaker":"Andy Hart","startTime":650.31,"endTime":653.58,"body":"things that are not even their"},{"speaker":"Andy Hart","startTime":653.58,"endTime":656.13,"body":"issues. You know, friends and"},{"speaker":"Andy Hart","startTime":653.58,"endTime":656.13,"body":"family are having sort of"},{"speaker":"Andy Hart","startTime":656.13,"endTime":658.14,"body":"medical issues, friends and"},{"speaker":"Andy Hart","startTime":656.13,"endTime":658.14,"body":"family having sort of marital"},{"speaker":"Andy Hart","startTime":658.14,"endTime":660.45,"body":"issues. So, yeah, I just thought"},{"speaker":"Andy Hart","startTime":658.14,"endTime":660.45,"body":"I'd bring it up on the podcast,"},{"speaker":"Andy Hart","startTime":660.45,"endTime":663.09,"body":"I'm dealing with two at the"},{"speaker":"Andy Hart","startTime":660.45,"endTime":663.09,"body":"moment live cases, as I say,"},{"speaker":"Andy Hart","startTime":663.09,"endTime":667.05,"body":"one's a relatively small amount."},{"speaker":"Andy Hart","startTime":663.09,"endTime":667.05,"body":"And one's a, an incredibly large"},{"speaker":"Andy Hart","startTime":667.05,"endTime":669.06,"body":"amount of their investable"},{"speaker":"Andy Hart","startTime":667.05,"endTime":669.06,"body":"assets that they're now having"},{"speaker":"Andy Hart","startTime":669.06,"endTime":673.92,"body":"to pay to help a family member."},{"speaker":"Andy Hart","startTime":669.06,"endTime":673.92,"body":"And so I thought I'd raise it to"},{"speaker":"Andy Hart","startTime":673.92,"endTime":677.1,"body":"see if you guys obviously have"},{"speaker":"Andy Hart","startTime":673.92,"endTime":677.1,"body":"come across this. And, yeah,"},{"speaker":"Andy Hart","startTime":677.1,"endTime":678.72,"body":"just to just to bring it bring"},{"speaker":"Andy Hart","startTime":677.1,"endTime":678.72,"body":"up really,"},{"speaker":"Alan Smith","startTime":678.78,"endTime":681.63,"body":"I've got kind of a"},{"speaker":"Alan Smith","startTime":678.78,"endTime":681.63,"body":"quick, quick comment on that."},{"speaker":"Alan Smith","startTime":681.81,"endTime":688.23,"body":"This is yet another example of"},{"speaker":"Alan Smith","startTime":681.81,"endTime":688.23,"body":"the fallacy of trying to be"},{"speaker":"Alan Smith","startTime":688.26,"endTime":692.28,"body":"overly accurate, with long term"},{"speaker":"Alan Smith","startTime":688.26,"endTime":692.28,"body":"financial planning. exactly"},{"speaker":"Alan Smith","startTime":692.28,"endTime":695.82,"body":"that, you know, people over it"},{"speaker":"Alan Smith","startTime":692.28,"endTime":695.82,"body":"over engineer the fat don't if"},{"speaker":"Alan Smith","startTime":695.82,"endTime":697.68,"body":"you're going to mention this,"},{"speaker":"Alan Smith","startTime":695.82,"endTime":697.68,"body":"Nick, there's something else"},{"speaker":"Alan Smith","startTime":697.68,"endTime":699.72,"body":"that you shared with us a couple"},{"speaker":"Alan Smith","startTime":697.68,"endTime":699.72,"body":"of days ago about the kind of"},{"speaker":"Alan Smith","startTime":699.72,"endTime":703.62,"body":"the overly precise nature of"},{"speaker":"Alan Smith","startTime":699.72,"endTime":703.62,"body":"withdrawal amounts, and various"},{"speaker":"Alan Smith","startTime":703.62,"endTime":705.99,"body":"other things like that. And"},{"speaker":"Alan Smith","startTime":703.62,"endTime":705.99,"body":"people get overexcited about,"},{"speaker":"Alan Smith","startTime":705.99,"endTime":708.96,"body":"you know, expected rates of"},{"speaker":"Alan Smith","startTime":705.99,"endTime":708.96,"body":"return for future assets, and"},{"speaker":"Alan Smith","startTime":708.96,"endTime":712.26,"body":"all that sort of stuff. I've"},{"speaker":"Alan Smith","startTime":708.96,"endTime":712.26,"body":"always said, these sorts of"},{"speaker":"Alan Smith","startTime":712.26,"endTime":717.33,"body":"things, and it tends to be like,"},{"speaker":"Alan Smith","startTime":712.26,"endTime":717.33,"body":"death, divorce, disability,"},{"speaker":"Alan Smith","startTime":717.33,"endTime":720.39,"body":"things that happen, not"},{"speaker":"Alan Smith","startTime":717.33,"endTime":720.39,"body":"expected. You vote, you know,"},{"speaker":"Alan Smith","startTime":720.51,"endTime":723.51,"body":"health healthcare issues, you"},{"speaker":"Alan Smith","startTime":720.51,"endTime":723.51,"body":"know, you can all of a sudden,"},{"speaker":"Alan Smith","startTime":723.75,"endTime":726.0,"body":"you know, the cost of paying"},{"speaker":"Alan Smith","startTime":723.75,"endTime":726.0,"body":"for, I don't know, cancer"},{"speaker":"Alan Smith","startTime":726.0,"endTime":727.5,"body":"treatment or something like"},{"speaker":"Alan Smith","startTime":726.0,"endTime":727.5,"body":"that, if you're not fully"},{"speaker":"Alan Smith","startTime":727.5,"endTime":731.19,"body":"covered for it is crazy. Tax"},{"speaker":"Alan Smith","startTime":727.5,"endTime":731.19,"body":"rates, for God's sake, you know,"},{"speaker":"Alan Smith","startTime":731.19,"endTime":734.13,"body":"suddenly, you know, we've had,"},{"speaker":"Alan Smith","startTime":731.19,"endTime":734.13,"body":"you know, tax rates are"},{"speaker":"Alan Smith","startTime":734.13,"endTime":737.04,"body":"increasingly getting higher in"},{"speaker":"Alan Smith","startTime":734.13,"endTime":737.04,"body":"the UK. And it could get higher"},{"speaker":"Alan Smith","startTime":737.04,"endTime":739.65,"body":"still interested in all these"},{"speaker":"Alan Smith","startTime":737.04,"endTime":739.65,"body":"various other things which"},{"speaker":"Alan Smith","startTime":739.68,"endTime":742.83,"body":"aren't really built into most"},{"speaker":"Alan Smith","startTime":739.68,"endTime":742.83,"body":"financial planning Academy. Our"},{"speaker":"Alan Smith","startTime":742.83,"endTime":745.86,"body":"point being can you how can you"},{"speaker":"Alan Smith","startTime":742.83,"endTime":745.86,"body":"go to bed because you meet your,"},{"speaker":"Alan Smith","startTime":746.01,"endTime":748.35,"body":"your daughter might get"},{"speaker":"Alan Smith","startTime":746.01,"endTime":748.35,"body":"divorced, sometime it might need"},{"speaker":"Alan Smith","startTime":748.35,"endTime":750.6,"body":"help out with, you know, buying"},{"speaker":"Alan Smith","startTime":748.35,"endTime":750.6,"body":"a new house or something like"},{"speaker":"Alan Smith","startTime":750.6,"endTime":753.93,"body":"that? Because there's no limit"},{"speaker":"Alan Smith","startTime":750.6,"endTime":753.93,"body":"to what the potentials are."},{"speaker":"Alan Smith","startTime":754.17,"endTime":757.11,"body":"Exactly. And yet there are there"},{"speaker":"Alan Smith","startTime":754.17,"endTime":757.11,"body":"are people commenting, so called"},{"speaker":"Alan Smith","startTime":757.11,"endTime":760.62,"body":"experts commenting about trying"},{"speaker":"Alan Smith","startTime":757.11,"endTime":760.62,"body":"to be overly precise with the"},{"speaker":"Alan Smith","startTime":760.65,"endTime":762.84,"body":"estimated rates of return, you"},{"speaker":"Alan Smith","startTime":760.65,"endTime":762.84,"body":"make."},{"speaker":"Nick Lincoln","startTime":763.26,"endTime":765.39,"body":"Okay, what cold"},{"speaker":"Nick Lincoln","startTime":763.26,"endTime":765.39,"body":"call first, and then I'll pick"},{"speaker":"Nick Lincoln","startTime":765.39,"endTime":767.43,"body":"up on the point that you raised"},{"speaker":"Nick Lincoln","startTime":765.39,"endTime":767.43,"body":"there. Yeah, I"},{"speaker":"Carl Widger","startTime":767.43,"endTime":771.99,"body":"think Mitch Antony"},{"speaker":"Carl Widger","startTime":767.43,"endTime":771.99,"body":"coined the phrase, when life"},{"speaker":"Carl Widger","startTime":771.99,"endTime":776.16,"body":"goes and transition money moves."},{"speaker":"Carl Widger","startTime":771.99,"endTime":776.16,"body":"And you know, isn't that exactly"},{"speaker":"Carl Widger","startTime":776.16,"endTime":780.69,"body":"what you're saying here, Andy?"},{"speaker":"Carl Widger","startTime":776.16,"endTime":780.69,"body":"And that's the point, you never"},{"speaker":"Carl Widger","startTime":780.69,"endTime":783.36,"body":"know, what's what's gonna"},{"speaker":"Carl Widger","startTime":780.69,"endTime":783.36,"body":"happen. The one thing I would I"},{"speaker":"Carl Widger","startTime":783.36,"endTime":789.12,"body":"would just caution against is,"},{"speaker":"Carl Widger","startTime":783.36,"endTime":789.12,"body":"is we've had a number of clients"},{"speaker":"Carl Widger","startTime":789.15,"endTime":792.24,"body":"in similar positions on the"},{"speaker":"Carl Widger","startTime":789.15,"endTime":792.24,"body":"right. And it's really important"},{"speaker":"Carl Widger","startTime":792.27,"endTime":796.32,"body":"that that's the EGM. Right?"},{"speaker":"Carl Widger","startTime":792.27,"endTime":796.32,"body":"That's not your annual planning"},{"speaker":"Carl Widger","startTime":796.32,"endTime":802.14,"body":"meeting. That's some Speaker"},{"speaker":"Carl Widger","startTime":796.32,"endTime":802.14,"body":"Yeah, come in, let's do the cash"},{"speaker":"Carl Widger","startTime":802.14,"endTime":804.54,"body":"flow plan. Because we always"},{"speaker":"Carl Widger","startTime":802.14,"endTime":804.54,"body":"make the point, first and"},{"speaker":"Carl Widger","startTime":804.54,"endTime":809.1,"body":"foremost, the couple sitting in"},{"speaker":"Carl Widger","startTime":804.54,"endTime":809.1,"body":"front of us, our clients. Now,"},{"speaker":"Carl Widger","startTime":809.13,"endTime":812.88,"body":"if there's obviously an off"},{"speaker":"Carl Widger","startTime":809.13,"endTime":812.88,"body":"cash, clearly to see them"},{"speaker":"Carl Widger","startTime":812.88,"endTime":815.67,"body":"through Well, at that stage, we"},{"speaker":"Carl Widger","startTime":812.88,"endTime":815.67,"body":"can start looking at how to"},{"speaker":"Carl Widger","startTime":815.67,"endTime":818.7,"body":"distribute wealth and all of"},{"speaker":"Carl Widger","startTime":815.67,"endTime":818.7,"body":"that kind of stuff. So I think"},{"speaker":"Carl Widger","startTime":818.7,"endTime":821.97,"body":"it's really, really important to"},{"speaker":"Carl Widger","startTime":818.7,"endTime":821.97,"body":"do your cash flow plan and to"},{"speaker":"Carl Widger","startTime":821.97,"endTime":825.42,"body":"say, if you do this, this is the"},{"speaker":"Carl Widger","startTime":821.97,"endTime":825.42,"body":"impact it's gonna have and look"},{"speaker":"Carl Widger","startTime":825.45,"endTime":828.03,"body":"like you're saying, it can't be"},{"speaker":"Carl Widger","startTime":825.45,"endTime":828.03,"body":"precise. But at the same time,"},{"speaker":"Carl Widger","startTime":828.39,"endTime":830.94,"body":"if it's going to move someone"},{"speaker":"Carl Widger","startTime":828.39,"endTime":830.94,"body":"from a position of the cash flow"},{"speaker":"Carl Widger","startTime":830.94,"endTime":834.51,"body":"plan says, Yeah, you're all good"},{"speaker":"Carl Widger","startTime":830.94,"endTime":834.51,"body":"to Whoa, you're gonna have a"},{"speaker":"Carl Widger","startTime":834.72,"endTime":840.0,"body":"problem when you're ready to?"},{"speaker":"Carl Widger","startTime":834.72,"endTime":840.0,"body":"Well, you have to give bad news"},{"speaker":"Carl Widger","startTime":840.0,"endTime":842.76,"body":"just like you. You give good"},{"speaker":"Carl Widger","startTime":840.0,"endTime":842.76,"body":"news, and you have to tell the"},{"speaker":"Carl Widger","startTime":842.76,"endTime":844.77,"body":"truth about the money. Nick?"},{"speaker":"Nick Lincoln","startTime":846.21,"endTime":849.63,"body":"Yeah, yeah. And"},{"speaker":"Nick Lincoln","startTime":846.21,"endTime":849.63,"body":"his point was this, this and I"},{"speaker":"Nick Lincoln","startTime":849.63,"endTime":852.45,"body":"think we all believe this. And"},{"speaker":"Nick Lincoln","startTime":849.63,"endTime":852.45,"body":"I'm certainly I think most of"},{"speaker":"Nick Lincoln","startTime":852.45,"endTime":855.99,"body":"what we do actually is art. The"},{"speaker":"Nick Lincoln","startTime":852.45,"endTime":855.99,"body":"art of managing people and not"},{"speaker":"Nick Lincoln","startTime":855.99,"endTime":859.86,"body":"science. And I read something"},{"speaker":"Nick Lincoln","startTime":855.99,"endTime":859.86,"body":"one of these American guys,"},{"speaker":"Nick Lincoln","startTime":860.01,"endTime":862.44,"body":"these these, you know, this from"},{"speaker":"Nick Lincoln","startTime":860.01,"endTime":862.44,"body":"the Kitsis kind of guy, Wade,"},{"speaker":"Nick Lincoln","startTime":862.44,"endTime":867.12,"body":"foul P F. Au. Yeah, I believe,"},{"speaker":"Nick Lincoln","startTime":862.44,"endTime":867.12,"body":"who who's done research showing"},{"speaker":"Nick Lincoln","startTime":867.12,"endTime":870.24,"body":"that the average American who"},{"speaker":"Nick Lincoln","startTime":867.12,"endTime":870.24,"body":"investing in a 6040 portfolio"},{"speaker":"Nick Lincoln","startTime":870.24,"endTime":875.52,"body":"needs to save 16.6% of their"},{"speaker":"Nick Lincoln","startTime":870.24,"endTime":875.52,"body":"income to achieve X amount of of"},{"speaker":"Nick Lincoln","startTime":875.52,"endTime":878.13,"body":"the equivalent their salary in"},{"speaker":"Nick Lincoln","startTime":875.52,"endTime":878.13,"body":"retirement. I just thought, What"},{"speaker":"Nick Lincoln","startTime":878.13,"endTime":882.9,"body":"a load of bollocks that is out"},{"speaker":"Nick Lincoln","startTime":878.13,"endTime":882.9,"body":"of this. As soon just seemed to"},{"speaker":"Nick Lincoln","startTime":882.9,"endTime":885.06,"body":"go to a decimal point. I'm"},{"speaker":"Nick Lincoln","startTime":882.9,"endTime":885.06,"body":"thinking bollocks. You know, I"},{"speaker":"Nick Lincoln","startTime":885.06,"endTime":887.55,"body":"mean, it's just like completely"},{"speaker":"Nick Lincoln","startTime":885.06,"endTime":887.55,"body":"trying to make something precise"},{"speaker":"Nick Lincoln","startTime":887.55,"endTime":889.53,"body":"is totally precise. Andy, you"},{"speaker":"Nick Lincoln","startTime":887.55,"endTime":889.53,"body":"had a digit raised?"},{"speaker":"Andy Hart","startTime":889.89,"endTime":892.59,"body":"Yeah. And the final"},{"speaker":"Andy Hart","startTime":889.89,"endTime":892.59,"body":"point of this is we seem to have"},{"speaker":"Andy Hart","startTime":892.59,"endTime":898.17,"body":"a problem with creating wealth"},{"speaker":"Andy Hart","startTime":892.59,"endTime":898.17,"body":"for wealth sake. You know, we"},{"speaker":"Andy Hart","startTime":898.17,"endTime":901.08,"body":"always want to put sort of a"},{"speaker":"Andy Hart","startTime":898.17,"endTime":901.08,"body":"reason to besting and saving,"},{"speaker":"Andy Hart","startTime":901.11,"endTime":903.36,"body":"whereas it's like we're"},{"speaker":"Andy Hart","startTime":901.11,"endTime":903.36,"body":"investing or saving for unknown"},{"speaker":"Andy Hart","startTime":903.36,"endTime":905.64,"body":"future, we just don't know what"},{"speaker":"Andy Hart","startTime":903.36,"endTime":905.64,"body":"it's going to look like. I mean,"},{"speaker":"Andy Hart","startTime":905.64,"endTime":908.52,"body":"there's some few markers in the"},{"speaker":"Andy Hart","startTime":905.64,"endTime":908.52,"body":"sand, we potentially want to"},{"speaker":"Andy Hart","startTime":908.52,"endTime":911.07,"body":"start work, then we potentially"},{"speaker":"Andy Hart","startTime":908.52,"endTime":911.07,"body":"want to give some, you know,"},{"speaker":"Andy Hart","startTime":911.07,"endTime":913.68,"body":"gifts and weddings and stuff for"},{"speaker":"Andy Hart","startTime":911.07,"endTime":913.68,"body":"the kids. But apart from that,"},{"speaker":"Andy Hart","startTime":913.68,"endTime":916.95,"body":"again, it's the unknown future."},{"speaker":"Andy Hart","startTime":913.68,"endTime":916.95,"body":"So if the returns are available,"},{"speaker":"Andy Hart","startTime":916.95,"endTime":920.25,"body":"and they're there, you know,"},{"speaker":"Andy Hart","startTime":916.95,"endTime":920.25,"body":"building portfolios of people in"},{"speaker":"Andy Hart","startTime":920.25,"endTime":924.51,"body":"their 50s 60s that then they"},{"speaker":"Andy Hart","startTime":920.25,"endTime":924.51,"body":"call upon in their 70s and 80s."},{"speaker":"Andy Hart","startTime":924.51,"endTime":926.22,"body":"The fact that there's a little"},{"speaker":"Andy Hart","startTime":924.51,"endTime":926.22,"body":"bit more money in there, I've"},{"speaker":"Andy Hart","startTime":926.22,"endTime":929.73,"body":"not got a problem with that. But"},{"speaker":"Andy Hart","startTime":926.22,"endTime":929.73,"body":"all this your financial plan"},{"speaker":"Andy Hart","startTime":929.73,"endTime":934.05,"body":"immediately says that you need"},{"speaker":"Andy Hart","startTime":929.73,"endTime":934.05,"body":"to reduce your investment return"},{"speaker":"Andy Hart","startTime":934.05,"endTime":936.12,"body":"you still be okay. You don't"},{"speaker":"Andy Hart","startTime":934.05,"endTime":936.12,"body":"know what the unknown you know,"},{"speaker":"Andy Hart","startTime":936.12,"endTime":938.67,"body":"the only future holds. So I've"},{"speaker":"Andy Hart","startTime":936.12,"endTime":938.67,"body":"got I've got problem with"},{"speaker":"Andy Hart","startTime":938.67,"endTime":940.5,"body":"creating wealth for the sake of"},{"speaker":"Andy Hart","startTime":938.67,"endTime":940.5,"body":"creating wealth. I've got a"},{"speaker":"Andy Hart","startTime":940.5,"endTime":942.87,"body":"problem with spending wealth for"},{"speaker":"Andy Hart","startTime":940.5,"endTime":942.87,"body":"the sake of spending wealth but"},{"speaker":"Andy Hart","startTime":943.26,"endTime":945.24,"body":"creating it, I've got no problem"},{"speaker":"Andy Hart","startTime":943.26,"endTime":945.24,"body":"with you know, wealth is"},{"speaker":"Andy Hart","startTime":945.24,"endTime":947.79,"body":"freedom. Freedom is opportunity."},{"speaker":"Andy Hart","startTime":945.24,"endTime":947.79,"body":"I think a lot of us sometimes"},{"speaker":"Andy Hart","startTime":947.88,"endTime":951.42,"body":"some people miss this. So yeah,"},{"speaker":"Andy Hart","startTime":947.88,"endTime":951.42,"body":"who's next?"},{"speaker":"Nick Lincoln","startTime":982.9599999999999,"endTime":984.5799999999999,"body":"Okie dokie. And"},{"speaker":"Nick Lincoln","startTime":982.9599999999999,"endTime":984.5799999999999,"body":"it's you again, my friend."},{"speaker":"Nick Lincoln","startTime":984.6999999999999,"endTime":987.37,"body":"You've just typed in a bucket"},{"speaker":"Nick Lincoln","startTime":984.6999999999999,"endTime":987.37,"body":"list on the the agenda of"},{"speaker":"Nick Lincoln","startTime":987.37,"endTime":988.3299999999999,"body":"dreams. Oh, that's just"},{"speaker":"Andy Hart","startTime":988.3299999999999,"endTime":990.37,"body":"a very throwaway"},{"speaker":"Andy Hart","startTime":988.3299999999999,"endTime":990.37,"body":"point. But we were talking about"},{"speaker":"Andy Hart","startTime":990.37,"endTime":993.4599999999999,"body":"bucket lists. So mine is way"},{"speaker":"Andy Hart","startTime":990.37,"endTime":993.4599999999999,"body":"less grand than Carl's. But a"},{"speaker":"Andy Hart","startTime":993.4599999999999,"endTime":997.18,"body":"couple of weeks ago, I went to"},{"speaker":"Andy Hart","startTime":993.4599999999999,"endTime":997.18,"body":"an event in amnesia in Ibiza,"},{"speaker":"Andy Hart","startTime":997.18,"endTime":1000.4499999999999,"body":"the event was at elrow. And for"},{"speaker":"Andy Hart","startTime":997.18,"endTime":1000.4499999999999,"body":"me, it is a bucket list event."},{"speaker":"Andy Hart","startTime":1000.4499999999999,"endTime":1003.9,"body":"So I've ticked that off. Albeit"},{"speaker":"Andy Hart","startTime":1000.4499999999999,"endTime":1003.9,"body":"a small one but you're right, if"},{"speaker":"Andy Hart","startTime":1003.9,"endTime":1006.24,"body":"you have a load of arcanist"},{"speaker":"Andy Hart","startTime":1003.9,"endTime":1006.24,"body":"events, I went to see you know,"},{"speaker":"Andy Hart","startTime":1006.24,"endTime":1008.64,"body":"Barcelona vs Real Madrid last"},{"speaker":"Andy Hart","startTime":1006.24,"endTime":1008.64,"body":"year, it was like the worst"},{"speaker":"Andy Hart","startTime":1008.64,"endTime":1011.64,"body":"football game my life. If that's"},{"speaker":"Andy Hart","startTime":1008.64,"endTime":1011.64,"body":"if that's all I'd be looking"},{"speaker":"Andy Hart","startTime":1011.64,"endTime":1015.39,"body":"forward to then. Then Wow, I'd"},{"speaker":"Andy Hart","startTime":1011.64,"endTime":1015.39,"body":"be very disappointed. I don't if"},{"speaker":"Andy Hart","startTime":1015.39,"endTime":1018.15,"body":"it's as bad as whalewatching"},{"speaker":"Andy Hart","startTime":1015.39,"endTime":1018.15,"body":"Well, watching sounds worse, but"},{"speaker":"Andy Hart","startTime":1018.2099999999999,"endTime":1021.5999999999999,"body":"you know, Paco, will will fight"},{"speaker":"Andy Hart","startTime":1018.2099999999999,"endTime":1021.5999999999999,"body":"over over a pint."},{"speaker":"Alan Smith","startTime":1021.9599999999999,"endTime":1023.61,"body":"I think I think"},{"speaker":"Alan Smith","startTime":1021.9599999999999,"endTime":1023.61,"body":"that's that's a good point."},{"speaker":"Alan Smith","startTime":1023.61,"endTime":1025.83,"body":"Actually bucket list, you need"},{"speaker":"Alan Smith","startTime":1023.61,"endTime":1025.83,"body":"to have a lot of things on it"},{"speaker":"Alan Smith","startTime":1025.83,"endTime":1028.32,"body":"because you will be disappointed"},{"speaker":"Alan Smith","startTime":1025.83,"endTime":1028.32,"body":"because it just reminded me of"},{"speaker":"Alan Smith","startTime":1028.32,"endTime":1031.08,"body":"going to the Grand Canyon. And"},{"speaker":"Alan Smith","startTime":1028.32,"endTime":1031.08,"body":"that's supposed to be a bucket"},{"speaker":"Alan Smith","startTime":1031.08,"endTime":1034.98,"body":"list thing. And that was one"},{"speaker":"Alan Smith","startTime":1031.08,"endTime":1034.98,"body":"hour. All right. It's a big hole"},{"speaker":"Alan Smith","startTime":1034.98,"endTime":1038.4,"body":"in the ground. But apart from"},{"speaker":"Alan Smith","startTime":1034.98,"endTime":1038.4,"body":"that was of course normally"},{"speaker":"Alan Smith","startTime":1038.4,"endTime":1038.94,"body":"impressed."},{"speaker":"Nick Lincoln","startTime":1039.3,"endTime":1041.16,"body":"I've got one"},{"speaker":"Nick Lincoln","startTime":1039.3,"endTime":1041.16,"body":"bucket list it now my urges to"},{"speaker":"Nick Lincoln","startTime":1041.16,"endTime":1047.43,"body":"wake up to a dry mattress."},{"speaker":"Nick Lincoln","startTime":1041.16,"endTime":1047.43,"body":"Right? Me I mean, for people"},{"speaker":"Nick Lincoln","startTime":1047.43,"endTime":1050.34,"body":"that were people watching"},{"speaker":"Nick Lincoln","startTime":1047.43,"endTime":1050.34,"body":"consuming this thing of ours who"},{"speaker":"Nick Lincoln","startTime":1050.34,"endTime":1053.13,"body":"are Joe Public, this next 30"},{"speaker":"Nick Lincoln","startTime":1050.34,"endTime":1053.13,"body":"seconds, just embrace them your"},{"speaker":"Nick Lincoln","startTime":1053.13,"endTime":1058.4099999999999,"body":"life. General investment"},{"speaker":"Nick Lincoln","startTime":1053.13,"endTime":1058.4099999999999,"body":"accounts, GA's, I, I use"},{"speaker":"Nick Lincoln","startTime":1058.4099999999999,"endTime":1061.29,"body":"accumulation units in client"},{"speaker":"Nick Lincoln","startTime":1058.4099999999999,"endTime":1061.29,"body":"portfolios. But for GIS, I've"},{"speaker":"Nick Lincoln","startTime":1061.29,"endTime":1064.47,"body":"now had to create a whole batch"},{"speaker":"Nick Lincoln","startTime":1061.29,"endTime":1064.47,"body":"of identical portfolios with"},{"speaker":"Nick Lincoln","startTime":1064.47,"endTime":1068.01,"body":"income units, because income"},{"speaker":"Nick Lincoln","startTime":1064.47,"endTime":1068.01,"body":"units throw off income that goes"},{"speaker":"Nick Lincoln","startTime":1068.01,"endTime":1070.35,"body":"into the cash pot on the"},{"speaker":"Nick Lincoln","startTime":1068.01,"endTime":1070.35,"body":"platform. And with the CGT"},{"speaker":"Nick Lincoln","startTime":1070.35,"endTime":1072.3,"body":"allowance is plummeting and"},{"speaker":"Nick Lincoln","startTime":1070.35,"endTime":1072.3,"body":"plummeting and plummeting. I"},{"speaker":"Nick Lincoln","startTime":1072.3,"endTime":1074.82,"body":"don't think going forward, you"},{"speaker":"Nick Lincoln","startTime":1072.3,"endTime":1074.82,"body":"can be selling down accumulation"},{"speaker":"Nick Lincoln","startTime":1074.82,"endTime":1077.8799999999999,"body":"units, because you're going to"},{"speaker":"Nick Lincoln","startTime":1074.82,"endTime":1077.8799999999999,"body":"be crystallizing capital gains."},{"speaker":"Nick Lincoln","startTime":1078.09,"endTime":1080.61,"body":"So just a little in the weeds"},{"speaker":"Nick Lincoln","startTime":1078.09,"endTime":1080.61,"body":"thing there that for your GA"},{"speaker":"Nick Lincoln","startTime":1080.61,"endTime":1083.61,"body":"portfolios, if you don't do"},{"speaker":"Nick Lincoln","startTime":1080.61,"endTime":1083.61,"body":"already maybe create mirror ones"},{"speaker":"Nick Lincoln","startTime":1083.61,"endTime":1086.55,"body":"but income units because you"},{"speaker":"Nick Lincoln","startTime":1083.61,"endTime":1086.55,"body":"don't have using up that 3000"},{"speaker":"Nick Lincoln","startTime":1086.55,"endTime":1089.07,"body":"pounds or you know any decent"},{"speaker":"Nick Lincoln","startTime":1086.55,"endTime":1089.07,"body":"portfolio any decent growth,"},{"speaker":"Nick Lincoln","startTime":1089.37,"endTime":1091.62,"body":"that 3k allowance is gone and"},{"speaker":"Nick Lincoln","startTime":1089.37,"endTime":1091.62,"body":"your clients are paying"},{"speaker":"Nick Lincoln","startTime":1091.62,"endTime":1095.6399999999999,"body":"unnecessary tax. So that's just"},{"speaker":"Nick Lincoln","startTime":1091.62,"endTime":1095.6399999999999,"body":"a little trick of the trade. Mr."},{"speaker":"Nick Lincoln","startTime":1095.6399999999999,"endTime":1098.28,"body":"Smith you had when you've had"},{"speaker":"Nick Lincoln","startTime":1095.6399999999999,"endTime":1098.28,"body":"many incidents in your life,"},{"speaker":"Nick Lincoln","startTime":1098.49,"endTime":1101.31,"body":"ongoing legal battles. And"},{"speaker":"Nick Lincoln","startTime":1098.49,"endTime":1101.31,"body":"again, we still support you, or"},{"speaker":"Nick Lincoln","startTime":1101.31,"endTime":1102.54,"body":"in the m\u0026s incidents"},{"speaker":"Andy Hart","startTime":1102.57,"endTime":1104.49,"body":"just to push back on"},{"speaker":"Andy Hart","startTime":1102.57,"endTime":1104.49,"body":"the technical point of view, is"},{"speaker":"Andy Hart","startTime":1104.49,"endTime":1106.71,"body":"that correct? Because it doesn't"},{"speaker":"Andy Hart","startTime":1104.49,"endTime":1106.71,"body":"matter if it's accumulation or"},{"speaker":"Andy Hart","startTime":1106.71,"endTime":1108.78,"body":"income, the net tax position is"},{"speaker":"Andy Hart","startTime":1106.71,"endTime":1108.78,"body":"going to be the same how they"},{"speaker":"Andy Hart","startTime":1108.78,"endTime":1110.82,"body":"declare it. Are you just talking"},{"speaker":"Andy Hart","startTime":1108.78,"endTime":1110.82,"body":"about it from a practical"},{"speaker":"Andy Hart","startTime":1110.82,"endTime":1111.72,"body":"management point of view?"},{"speaker":"Nick Lincoln","startTime":1112.74,"endTime":1114.27,"body":"I'm talking about"},{"speaker":"Nick Lincoln","startTime":1112.74,"endTime":1114.27,"body":"when you have to replenish the"},{"speaker":"Nick Lincoln","startTime":1114.27,"endTime":1117.6599999999999,"body":"cash bucket in a GLA portfolio"},{"speaker":"Nick Lincoln","startTime":1114.27,"endTime":1117.6599999999999,"body":"each year. If you sell down"},{"speaker":"Nick Lincoln","startTime":1117.6599999999999,"endTime":1119.85,"body":"accumulation units to do it,"},{"speaker":"Nick Lincoln","startTime":1117.6599999999999,"endTime":1119.85,"body":"you're gonna be crystallizing"},{"speaker":"Nick Lincoln","startTime":1119.85,"endTime":1123.09,"body":"capital gains, whereas the"},{"speaker":"Nick Lincoln","startTime":1119.85,"endTime":1123.09,"body":"income units, the dividends and"},{"speaker":"Nick Lincoln","startTime":1123.09,"endTime":1126.09,"body":"fixed income coupon comes into"},{"speaker":"Nick Lincoln","startTime":1123.09,"endTime":1126.09,"body":"the cash and does it"},{"speaker":"Nick Lincoln","startTime":1126.09,"endTime":1129.69,"body":"automatically you don't need to"},{"speaker":"Nick Lincoln","startTime":1126.09,"endTime":1129.69,"body":"sell units to replenish the cash"},{"speaker":"Nick Lincoln","startTime":1129.69,"endTime":1129.99,"body":"bought"},{"speaker":"Andy Hart","startTime":1131.58,"endTime":1133.4099999999999,"body":"for the tax net book"},{"speaker":"Nick Lincoln","startTime":1134.04,"endTime":1137.85,"body":"in the weeds."},{"speaker":"Nick Lincoln","startTime":1134.04,"endTime":1137.85,"body":"Okay, Stephen, that's what I've"},{"speaker":"Nick Lincoln","startTime":1137.85,"endTime":1139.71,"body":"just said is right, right m\u0026s"},{"speaker":"Nick Lincoln","startTime":1137.85,"endTime":1139.71,"body":"incident,"},{"speaker":"Alan Smith","startTime":1139.98,"endTime":1143.61,"body":"the famous m\u0026s"},{"speaker":"Alan Smith","startTime":1139.98,"endTime":1143.61,"body":"incident of a couple of days ago"},{"speaker":"Alan Smith","startTime":1146.25,"endTime":1148.8899999999999,"body":"nothing bad happened. I was I"},{"speaker":"Alan Smith","startTime":1146.25,"endTime":1148.8899999999999,"body":"happen to be"},{"speaker":"Andy Hart","startTime":1150.8999999999999,"endTime":1152.9099999999999,"body":"saying the funny"},{"speaker":"Andy Hart","startTime":1150.8999999999999,"endTime":1152.9099999999999,"body":"stories Wait, it's really funny."},{"speaker":"Andy Hart","startTime":1152.9099999999999,"endTime":1155.67,"body":"Just say just say so the whole"},{"speaker":"Andy Hart","startTime":1152.9099999999999,"endTime":1155.67,"body":"story about you Well, funny"},{"speaker":"Andy Hart","startTime":1155.67,"endTime":1157.98,"body":"story about Your phone"},{"speaker":"Andy Hart","startTime":1155.67,"endTime":1157.98,"body":"percentage and all that it's"},{"speaker":"Andy Hart","startTime":1157.98,"endTime":1163.32,"body":"really funny. You say it's"},{"speaker":"Andy Hart","startTime":1157.98,"endTime":1163.32,"body":"really funny."},{"speaker":"Alan Smith","startTime":1163.56,"endTime":1166.95,"body":"That's, that's not"},{"speaker":"Alan Smith","startTime":1163.56,"endTime":1166.95,"body":"really that funny. No, it's just"},{"speaker":"Alan Smith","startTime":1166.98,"endTime":1169.74,"body":"a kind of, alright, I'll say"},{"speaker":"Alan Smith","startTime":1166.98,"endTime":1169.74,"body":"part part of this story. This"},{"speaker":"Alan Smith","startTime":1169.74,"endTime":1172.32,"body":"was just a very simple"},{"speaker":"Alan Smith","startTime":1169.74,"endTime":1172.32,"body":"experience happened to me the"},{"speaker":"Alan Smith","startTime":1172.32,"endTime":1175.35,"body":"other day and I'm just sort of"},{"speaker":"Alan Smith","startTime":1172.32,"endTime":1175.35,"body":"send the same showing the"},{"speaker":"Alan Smith","startTime":1175.35,"endTime":1179.76,"body":"message that is kind of as as"},{"speaker":"Alan Smith","startTime":1175.35,"endTime":1179.76,"body":"hot always says the good we do."},{"speaker":"Alan Smith","startTime":1180.24,"endTime":1183.24,"body":"I popped into Marks and Spencers"},{"speaker":"Alan Smith","startTime":1180.24,"endTime":1183.24,"body":"to buy lunch couple of days ago."},{"speaker":"Alan Smith","startTime":1183.51,"endTime":1186.6599999999999,"body":"I'm just sort of walking around"},{"speaker":"Alan Smith","startTime":1183.51,"endTime":1186.6599999999999,"body":"there and yes, as a side as a"},{"speaker":"Alan Smith","startTime":1186.6599999999999,"endTime":1190.68,"body":"side story, my phone my mobile"},{"speaker":"Alan Smith","startTime":1186.6599999999999,"endTime":1190.68,"body":"phone with me. What had 1%"},{"speaker":"Alan Smith","startTime":1190.68,"endTime":1195.72,"body":"battery left in it, and I needed"},{"speaker":"Alan Smith","startTime":1190.68,"endTime":1195.72,"body":"that to by my by my lunch, you"},{"speaker":"Alan Smith","startTime":1195.72,"endTime":1198.6299999999999,"body":"know because I use the you know,"},{"speaker":"Alan Smith","startTime":1195.72,"endTime":1198.6299999999999,"body":"the the contactless part the"},{"speaker":"Alan Smith","startTime":1198.84,"endTime":1202.29,"body":"phone, I didn't have anything it"},{"speaker":"Alan Smith","startTime":1198.84,"endTime":1202.29,"body":"means of payment. So I pick up"},{"speaker":"Alan Smith","startTime":1202.29,"endTime":1204.75,"body":"my sandwich, I'm gonna drink"},{"speaker":"Alan Smith","startTime":1202.29,"endTime":1204.75,"body":"blardy blar. And then this"},{"speaker":"Alan Smith","startTime":1204.75,"endTime":1208.23,"body":"random guy walks up to me"},{"speaker":"Alan Smith","startTime":1204.75,"endTime":1208.23,"body":"because I excuse me, Jr. Malin."},{"speaker":"Alan Smith","startTime":1208.35,"endTime":1212.8799999999999,"body":"Do you have a podcast? Yeah, I"},{"speaker":"Alan Smith","startTime":1208.35,"endTime":1212.8799999999999,"body":"do. He said, Yeah, listen to the"},{"speaker":"Alan Smith","startTime":1212.8799999999999,"endTime":1215.19,"body":"trap podcast. I listened to your"},{"speaker":"Alan Smith","startTime":1212.8799999999999,"endTime":1215.19,"body":"other one bulletproof"},{"speaker":"Alan Smith","startTime":1215.19,"endTime":1218.61,"body":"entrepreneur. I found you"},{"speaker":"Alan Smith","startTime":1215.19,"endTime":1218.61,"body":"through Andy Hart's podcast"},{"speaker":"Alan Smith","startTime":1218.61,"endTime":1222.72,"body":"Maven advisor podcasts. Make"},{"speaker":"Alan Smith","startTime":1218.61,"endTime":1222.72,"body":"money. Oh, that's nice. I"},{"speaker":"Alan Smith","startTime":1222.72,"endTime":1226.26,"body":"thought there's quite a nice"},{"speaker":"Alan Smith","startTime":1222.72,"endTime":1226.26,"body":"bloke kind of man bun on Luke."},{"speaker":"Alan Smith","startTime":1226.32,"endTime":1229.53,"body":"Luke. Pretty cool and trendy. I"},{"speaker":"Alan Smith","startTime":1226.32,"endTime":1229.53,"body":"said what's your name? Because I"},{"speaker":"Alan Smith","startTime":1229.53,"endTime":1232.5,"body":"was that Honey, that's really"},{"speaker":"Alan Smith","startTime":1229.53,"endTime":1232.5,"body":"nice. Thank you so much for"},{"speaker":"Alan Smith","startTime":1232.5,"endTime":1234.81,"body":"that. Their feedback is great."},{"speaker":"Alan Smith","startTime":1232.5,"endTime":1234.81,"body":"It's anonymous. It's been"},{"speaker":"Alan Smith","startTime":1234.81,"endTime":1238.44,"body":"brilliant. You said I came back"},{"speaker":"Alan Smith","startTime":1234.81,"endTime":1238.44,"body":"from traveling 50 grand in debt."},{"speaker":"Unknown","startTime":1242.34,"endTime":1247.2,"body":"Grab yourself a drink,"},{"speaker":"Unknown","startTime":1242.34,"endTime":1247.2,"body":"a very long drink. It's story"},{"speaker":"Unknown","startTime":1247.2,"endTime":1249.33,"body":"time with Alan Smith."},{"speaker":"Alan Smith","startTime":1252.12,"endTime":1253.98,"body":"Now, anyone watching"},{"speaker":"Alan Smith","startTime":1252.12,"endTime":1253.98,"body":"this on YouTube, Nick, that"},{"speaker":"Alan Smith","startTime":1253.98,"endTime":1256.26,"body":"looks like you're drinking"},{"speaker":"Alan Smith","startTime":1253.98,"endTime":1256.26,"body":"straight vodka from the bottle."},{"speaker":"Alan Smith","startTime":1259.26,"endTime":1263.07,"body":"Just to get through my story. So"},{"speaker":"Alan Smith","startTime":1259.26,"endTime":1263.07,"body":"Danny says to me, me, I came"},{"speaker":"Alan Smith","startTime":1263.07,"endTime":1266.19,"body":"back from traveling 50 grand in"},{"speaker":"Alan Smith","startTime":1263.07,"endTime":1266.19,"body":"debt. I've now built an"},{"speaker":"Alan Smith","startTime":1266.19,"endTime":1269.04,"body":"investment portfolio with 100"},{"speaker":"Alan Smith","startTime":1266.19,"endTime":1269.04,"body":"fat that he said no, actually"},{"speaker":"Alan Smith","startTime":1269.04,"endTime":1272.37,"body":"more like 150,000 pounds in"},{"speaker":"Alan Smith","startTime":1269.04,"endTime":1272.37,"body":"investments and savings, great"},{"speaker":"Alan Smith","startTime":1272.37,"endTime":1274.77,"body":"companies of the world. Doing"},{"speaker":"Alan Smith","startTime":1272.37,"endTime":1274.77,"body":"great, really happy and thanks"},{"speaker":"Alan Smith","startTime":1274.77,"endTime":1277.71,"body":"so much for all all the work"},{"speaker":"Alan Smith","startTime":1274.77,"endTime":1277.71,"body":"that Andy's done. And you guys"},{"speaker":"Alan Smith","startTime":1277.71,"endTime":1279.99,"body":"are doing a listen to all this"},{"speaker":"Alan Smith","startTime":1277.71,"endTime":1279.99,"body":"stuff. It's so so helpful to me."},{"speaker":"Alan Smith","startTime":1280.08,"endTime":1283.26,"body":"So I thought, lovely. That's"},{"speaker":"Alan Smith","startTime":1280.08,"endTime":1283.26,"body":"really good. Thanks so much."},{"speaker":"Alan Smith","startTime":1283.26,"endTime":1286.47,"body":"Really appreciate your feedback."},{"speaker":"Alan Smith","startTime":1283.26,"endTime":1286.47,"body":"I still have a selfie. Let's do"},{"speaker":"Alan Smith","startTime":1286.47,"endTime":1289.23,"body":"a selfie so I can share share"},{"speaker":"Alan Smith","startTime":1286.47,"endTime":1289.23,"body":"the love so we did a selfie took"},{"speaker":"Alan Smith","startTime":1289.23,"endTime":1294.03,"body":"a photograph of me and him. And"},{"speaker":"Alan Smith","startTime":1289.23,"endTime":1294.03,"body":"then I went over to buy my food"},{"speaker":"Alan Smith","startTime":1294.03,"endTime":1295.8899999999999,"body":"my sandwiches, but which time I"},{"speaker":"Alan Smith","startTime":1294.03,"endTime":1295.8899999999999,"body":"want percent battery."},{"speaker":"Andy Hart","startTime":1298.62,"endTime":1303.57,"body":"So the story Island,"},{"speaker":"Andy Hart","startTime":1298.62,"endTime":1303.57,"body":"you went into m\u0026s with"},{"speaker":"Andy Hart","startTime":1303.57,"endTime":1306.33,"body":"something, didn't you from a"},{"speaker":"Andy Hart","startTime":1303.57,"endTime":1306.33,"body":"previous event you're at?"},{"speaker":"Alan Smith","startTime":1306.479,"endTime":1309.779,"body":"Oh, sorry. That's"},{"speaker":"Alan Smith","startTime":1306.479,"endTime":1309.779,"body":"it. And also yeah, I forgot"},{"speaker":"Alan Smith","startTime":1309.779,"endTime":1313.709,"body":"that. I've gone into m\u0026s and"},{"speaker":"Alan Smith","startTime":1309.779,"endTime":1313.709,"body":"had, as you do on a champagne"},{"speaker":"Nick Lincoln","startTime":1314.3999999999999,"endTime":1316.92,"body":"day trap is we've"},{"speaker":"Nick Lincoln","startTime":1314.3999999999999,"endTime":1316.92,"body":"now migrated into the m\u0026s"},{"speaker":"Nick Lincoln","startTime":1316.92,"endTime":1320.1599999999999,"body":"podcast in about three hours,"},{"speaker":"Nick Lincoln","startTime":1316.92,"endTime":1320.1599999999999,"body":"we'll go back to the episode,"},{"speaker":"Nick Lincoln","startTime":1320.43,"endTime":1321.0,"body":"I'd forgotten"},{"speaker":"Alan Smith","startTime":1321.0,"endTime":1325.32,"body":"that I told Andy"},{"speaker":"Alan Smith","startTime":1321.0,"endTime":1325.32,"body":"this story the other day, and I"},{"speaker":"Alan Smith","startTime":1325.32,"endTime":1328.3799999999999,"body":"had gone and because I've met an"},{"speaker":"Alan Smith","startTime":1325.32,"endTime":1328.3799999999999,"body":"advisor in the morning, I had"},{"speaker":"Alan Smith","startTime":1328.3799999999999,"endTime":1331.83,"body":"breakfast meeting with his other"},{"speaker":"Alan Smith","startTime":1328.3799999999999,"endTime":1331.83,"body":"advisor and I gave him some time"},{"speaker":"Alan Smith","startTime":1331.83,"endTime":1334.56,"body":"instead of helped him out and he"},{"speaker":"Alan Smith","startTime":1331.83,"endTime":1334.56,"body":"gave me as a gift for my time,"},{"speaker":"Alan Smith","startTime":1334.62,"endTime":1337.86,"body":"nice bottle of Veuve Clicquot"},{"speaker":"Alan Smith","startTime":1334.62,"endTime":1337.86,"body":"champagne, which is a bit odd"},{"speaker":"Alan Smith","startTime":1337.86,"endTime":1341.76,"body":"walking around the streets of"},{"speaker":"Alan Smith","startTime":1337.86,"endTime":1341.76,"body":"London with a sort of loan sign"},{"speaker":"Alan Smith","startTime":1341.76,"endTime":1344.1,"body":"with a with a bottle of"},{"speaker":"Alan Smith","startTime":1341.76,"endTime":1344.1,"body":"champagne in my hand, but I"},{"speaker":"Alan Smith","startTime":1344.1,"endTime":1346.74,"body":"didn't I didn't have a wasn't in"},{"speaker":"Alan Smith","startTime":1344.1,"endTime":1346.74,"body":"a bag. It was just as loose"},{"speaker":"Alan Smith","startTime":1346.74,"endTime":1350.19,"body":"bottle of champagne that I was"},{"speaker":"Alan Smith","startTime":1346.74,"endTime":1350.19,"body":"walking around with. And so walk"},{"speaker":"Alan Smith","startTime":1350.19,"endTime":1352.86,"body":"into Marks and Spencers tried to"},{"speaker":"Alan Smith","startTime":1350.19,"endTime":1352.86,"body":"buy my sandwich got accosted by"},{"speaker":"Alan Smith","startTime":1352.86,"endTime":1356.67,"body":"Danny did a selfie, by which"},{"speaker":"Alan Smith","startTime":1352.86,"endTime":1356.67,"body":"time I fought had died. I"},{"speaker":"Alan Smith","startTime":1356.67,"endTime":1360.06,"body":"couldn't go to the counter to"},{"speaker":"Alan Smith","startTime":1356.67,"endTime":1360.06,"body":"buy this phone bloody died, and"},{"speaker":"Alan Smith","startTime":1360.06,"endTime":1362.37,"body":"then got my bottle of champagne."},{"speaker":"Alan Smith","startTime":1360.06,"endTime":1362.37,"body":"So the woman comes out and says,"},{"speaker":"Alan Smith","startTime":1362.37,"endTime":1364.59,"body":"Well, sorry, you can't buy the"},{"speaker":"Alan Smith","startTime":1362.37,"endTime":1364.59,"body":"goods now. And yeah, and I'll"},{"speaker":"Alan Smith","startTime":1364.59,"endTime":1367.6499999999999,"body":"just have to leave it. Oh, yeah,"},{"speaker":"Alan Smith","startTime":1364.59,"endTime":1367.6499999999999,"body":"I'll starve I'll go hungry, then"},{"speaker":"Alan Smith","startTime":1367.6499999999999,"endTime":1369.57,"body":"means I will get to take my"},{"speaker":"Alan Smith","startTime":1367.6499999999999,"endTime":1369.57,"body":"champagne. Whoa, where were you"},{"speaker":"Alan Smith","startTime":1369.57,"endTime":1373.23,"body":"going with that? So I brought"},{"speaker":"Alan Smith","startTime":1369.57,"endTime":1373.23,"body":"this in with me. She goes, Are"},{"speaker":"Alan Smith","startTime":1373.23,"endTime":1376.02,"body":"you sure? I said I promise you"},{"speaker":"Alan Smith","startTime":1373.23,"endTime":1376.02,"body":"just run it through your system."},{"speaker":"Alan Smith","startTime":1376.11,"endTime":1379.29,"body":"Honestly, I didn't. I'm showing"},{"speaker":"Alan Smith","startTime":1376.11,"endTime":1379.29,"body":"up and taking that from the"},{"speaker":"Alan Smith","startTime":1379.29,"endTime":1383.1299999999999,"body":"counter. I said no, you'd have"},{"speaker":"Alan Smith","startTime":1379.29,"endTime":1383.1299999999999,"body":"that tag thing on it. I had this"},{"speaker":"Alan Smith","startTime":1383.1299999999999,"endTime":1385.08,"body":"big debate with a woman from"},{"speaker":"Alan Smith","startTime":1383.1299999999999,"endTime":1385.08,"body":"Marks and Spencers. It was it"},{"speaker":"Alan Smith","startTime":1385.08,"endTime":1387.75,"body":"was a bit of a bit of an"},{"speaker":"Alan Smith","startTime":1385.08,"endTime":1387.75,"body":"incident Marks and Spencers"},{"speaker":"Alan Smith","startTime":1387.75,"endTime":1389.67,"body":"Marleybone reported it as an"},{"speaker":"Alan Smith","startTime":1387.75,"endTime":1389.67,"body":"incident that"},{"speaker":"Nick Lincoln","startTime":1389.67,"endTime":1392.04,"body":"isn't the entire"},{"speaker":"Nick Lincoln","startTime":1389.67,"endTime":1392.04,"body":"episode of Curb Your Enthusiasm"},{"speaker":"Nick Lincoln","startTime":1393.1499999999999,"endTime":1394.1399999999999,"body":"at the beginning and"},{"speaker":"Alan Smith","startTime":1394.8,"endTime":1397.4099999999999,"body":"it was That's the"},{"speaker":"Alan Smith","startTime":1394.8,"endTime":1397.4099999999999,"body":"story. Anyway, shout out to"},{"speaker":"Alan Smith","startTime":1397.4099999999999,"endTime":1401.1,"body":"Danny, I'm glad that we're"},{"speaker":"Alan Smith","startTime":1397.4099999999999,"endTime":1401.1,"body":"helping you. And good we do."},{"speaker":"Alan Smith","startTime":1401.46,"endTime":1401.97,"body":"Move on."},{"speaker":"Nick Lincoln","startTime":1402.6299999999999,"endTime":1404.9099999999999,"body":"Wow, thanks for"},{"speaker":"Nick Lincoln","startTime":1402.6299999999999,"endTime":1404.9099999999999,"body":"making"},{"speaker":"Alan Smith","startTime":1405.8999999999999,"endTime":1408.84,"body":"me just follow up"},{"speaker":"Alan Smith","startTime":1405.8999999999999,"endTime":1408.84,"body":"that point briefly, just because"},{"speaker":"Alan Smith","startTime":1408.84,"endTime":1411.78,"body":"it's relevant to something else"},{"speaker":"Alan Smith","startTime":1408.84,"endTime":1411.78,"body":"a statistic that I read that"},{"speaker":"Alan Smith","startTime":1411.78,"endTime":1415.17,"body":"yesterday, which is kind of"},{"speaker":"Alan Smith","startTime":1411.78,"endTime":1415.17,"body":"linking these two sort of"},{"speaker":"Alan Smith","startTime":1415.17,"endTime":1419.07,"body":"abstract, abstract stories."},{"speaker":"Alan Smith","startTime":1415.17,"endTime":1419.07,"body":"Someone like Danny listens to"},{"speaker":"Alan Smith","startTime":1419.07,"endTime":1422.37,"body":"these podcasts. And a lot of our"},{"speaker":"Alan Smith","startTime":1419.07,"endTime":1422.37,"body":"mantra is about you know,"},{"speaker":"Alan Smith","startTime":1422.37,"endTime":1425.07,"body":"invest, invest your money,"},{"speaker":"Alan Smith","startTime":1422.37,"endTime":1425.07,"body":"invest in the great companies of"},{"speaker":"Alan Smith","startTime":1425.07,"endTime":1428.07,"body":"the world, then go and do"},{"speaker":"Alan Smith","startTime":1425.07,"endTime":1428.07,"body":"something else more interesting."},{"speaker":"Alan Smith","startTime":1428.07,"endTime":1430.74,"body":"Don't over engineer don't"},{"speaker":"Alan Smith","startTime":1428.07,"endTime":1430.74,"body":"overthink it, just save as much"},{"speaker":"Alan Smith","startTime":1430.77,"endTime":1435.36,"body":"you know, whether it's 16.666%"},{"speaker":"Alan Smith","startTime":1430.77,"endTime":1435.36,"body":"of your income, or whether it's"},{"speaker":"Alan Smith","startTime":1435.36,"endTime":1438.93,"body":"just what you can afford to do"},{"speaker":"Alan Smith","startTime":1435.36,"endTime":1438.93,"body":"put your money in sensible"},{"speaker":"Alan Smith","startTime":1438.93,"endTime":1444.75,"body":"investments and let them let the"},{"speaker":"Alan Smith","startTime":1438.93,"endTime":1444.75,"body":"markets do the hard work. Two"},{"speaker":"Alan Smith","startTime":1444.75,"endTime":1451.86,"body":"statistics for MSCI global"},{"speaker":"Alan Smith","startTime":1444.75,"endTime":1451.86,"body":"growth index is up 26% year to"},{"speaker":"Alan Smith","startTime":1451.86,"endTime":1457.2,"body":"date 26% year to date tough year"},{"speaker":"Alan Smith","startTime":1451.86,"endTime":1457.2,"body":"last year fine this year. 26%"},{"speaker":"Alan Smith","startTime":1457.77,"endTime":1463.8899999999999,"body":"other statistic 75% of Eisah"},{"speaker":"Alan Smith","startTime":1457.77,"endTime":1463.8899999999999,"body":"money in the UK is held in cash,"},{"speaker":"Alan Smith","startTime":1464.22,"endTime":1470.9099999999999,"body":"ISIS, cash ISIS. So 75% of the"},{"speaker":"Alan Smith","startTime":1464.22,"endTime":1470.9099999999999,"body":"UK population who have taken the"},{"speaker":"Alan Smith","startTime":1470.97,"endTime":1475.44,"body":"time and effort to open tax"},{"speaker":"Alan Smith","startTime":1470.97,"endTime":1475.44,"body":"effective savings plans aren't"},{"speaker":"Alan Smith","startTime":1475.44,"endTime":1478.74,"body":"benefiting from this investment."},{"speaker":"Alan Smith","startTime":1475.44,"endTime":1478.74,"body":"So linking those two together"},{"speaker":"Alan Smith","startTime":1524.82,"endTime":1528.8999999999999,"body":"the likes of Danny and many"},{"speaker":"Alan Smith","startTime":1524.82,"endTime":1528.8999999999999,"body":"others like him are listening to"},{"speaker":"Alan Smith","startTime":1528.8999999999999,"endTime":1531.8999999999999,"body":"people like us are helping"},{"speaker":"Alan Smith","startTime":1528.8999999999999,"endTime":1531.8999999999999,"body":"themselves are investing wisely."},{"speaker":"Alan Smith","startTime":1531.8999999999999,"endTime":1534.4799999999998,"body":"But unfortunately, the vast"},{"speaker":"Alan Smith","startTime":1531.8999999999999,"endTime":1534.4799999999998,"body":"majority of the public who would"},{"speaker":"Alan Smith","startTime":1534.4799999999998,"endTime":1537.6899999999998,"body":"seem are ignoring this stuff and"},{"speaker":"Alan Smith","startTime":1534.4799999999998,"endTime":1537.6899999999998,"body":"are excited because they're able"},{"speaker":"Alan Smith","startTime":1537.6899999999998,"endTime":1542.4899999999998,"body":"to secure 5% Cash Deposit return"},{"speaker":"Alan Smith","startTime":1537.6899999999998,"endTime":1542.4899999999998,"body":"for for the short term, albeit"},{"speaker":"Alan Smith","startTime":1542.4899999999998,"endTime":1546.57,"body":"tax free within an ICER wrapper."},{"speaker":"Alan Smith","startTime":1542.4899999999998,"endTime":1546.57,"body":"So two random statistics but"},{"speaker":"Alan Smith","startTime":1546.57,"endTime":1549.54,"body":"irrelevant and I'm glad that we"},{"speaker":"Alan Smith","startTime":1546.57,"endTime":1549.54,"body":"will keep sharing the message"},{"speaker":"Alan Smith","startTime":1549.57,"endTime":1551.8799999999999,"body":"and hopefully helping other"},{"speaker":"Alan Smith","startTime":1549.57,"endTime":1551.8799999999999,"body":"people to create their own"},{"speaker":"Alan Smith","startTime":1551.8799999999999,"endTime":1553.6799999999998,"body":"financial independence and"},{"speaker":"Alan Smith","startTime":1551.8799999999999,"endTime":1553.6799999999998,"body":"security."},{"speaker":"Andy Hart","startTime":1554.1299999999999,"endTime":1557.01,"body":"But just to chip in"},{"speaker":"Andy Hart","startTime":1554.1299999999999,"endTime":1557.01,"body":"there my best review on the move"},{"speaker":"Andy Hart","startTime":1557.01,"endTime":1560.28,"body":"money podcast was a one star"},{"speaker":"Andy Hart","startTime":1557.01,"endTime":1560.28,"body":"review and someone said he just"},{"speaker":"Andy Hart","startTime":1560.28,"endTime":1564.12,"body":"says the same stuff all the time"},{"speaker":"Andy Hart","startTime":1560.28,"endTime":1564.12,"body":"by global equities. Yeah, that"},{"speaker":"Andy Hart","startTime":1564.12,"endTime":1566.58,"body":"was that was the best review"},{"speaker":"Andy Hart","startTime":1564.12,"endTime":1566.58,"body":"I've got a one star review"},{"speaker":"Andy Hart","startTime":1566.8799999999999,"endTime":1567.1799999999998,"body":"anyway."},{"speaker":"Nick Lincoln","startTime":1569.61,"endTime":1572.1899999999998,"body":"Hockey document on"},{"speaker":"Nick Lincoln","startTime":1569.61,"endTime":1572.1899999999998,"body":"this on the on the sort of"},{"speaker":"Nick Lincoln","startTime":1572.1899999999998,"endTime":1576.7199999999998,"body":"flavor of cash and so forth. I"},{"speaker":"Nick Lincoln","startTime":1572.1899999999998,"endTime":1576.7199999999998,"body":"what I think is rapidly"},{"speaker":"Nick Lincoln","startTime":1577.1699999999998,"endTime":1580.4099999999999,"body":"burgeoning, not scan, I don't"},{"speaker":"Nick Lincoln","startTime":1577.1699999999998,"endTime":1580.4099999999999,"body":"need to scan up I can't Yes,"},{"speaker":"Nick Lincoln","startTime":1580.4399999999998,"endTime":1582.6899999999998,"body":"it's a bit of a disgrace the"},{"speaker":"Nick Lincoln","startTime":1580.4399999999998,"endTime":1582.6899999999998,"body":"fact that for 15 years we've"},{"speaker":"Nick Lincoln","startTime":1582.6899999999998,"endTime":1585.75,"body":"had, you know, negative real"},{"speaker":"Nick Lincoln","startTime":1582.6899999999998,"endTime":1585.75,"body":"interest rates and cash returns"},{"speaker":"Nick Lincoln","startTime":1585.75,"endTime":1589.8,"body":"were, you know, in nominal terms"},{"speaker":"Nick Lincoln","startTime":1585.75,"endTime":1589.8,"body":"disastrous and we're after,"},{"speaker":"Nick Lincoln","startTime":1589.8899999999999,"endTime":1593.25,"body":"after allowing for inflation,"},{"speaker":"Nick Lincoln","startTime":1589.8899999999999,"endTime":1593.25,"body":"which were just a proper pile,"},{"speaker":"Nick Lincoln","startTime":1593.4299999999998,"endTime":1596.1299999999999,"body":"obviously, we've had base rate"},{"speaker":"Nick Lincoln","startTime":1593.4299999999998,"endTime":1596.1299999999999,"body":"rises at a record rate in the"},{"speaker":"Nick Lincoln","startTime":1596.1299999999999,"endTime":1598.7399999999998,"body":"UK, and then are wherever they"},{"speaker":"Nick Lincoln","startTime":1596.1299999999999,"endTime":1598.7399999999998,"body":"are four and a half percent and"},{"speaker":"Nick Lincoln","startTime":1598.7399999999998,"endTime":1601.4399999999998,"body":"I'm not quite sure as suddenly"},{"speaker":"Nick Lincoln","startTime":1598.7399999999998,"endTime":1601.4399999999998,"body":"the this this thing about"},{"speaker":"Nick Lincoln","startTime":1601.4399999999998,"endTime":1606.06,"body":"platforms, taking a skim off the"},{"speaker":"Nick Lincoln","startTime":1601.4399999999998,"endTime":1606.06,"body":"top of what they earn on cash is"},{"speaker":"Nick Lincoln","startTime":1606.06,"endTime":1608.25,"body":"because I think it's come"},{"speaker":"Nick Lincoln","startTime":1606.06,"endTime":1608.25,"body":"really, really relevant because"},{"speaker":"Nick Lincoln","startTime":1608.25,"endTime":1610.9499999999998,"body":"the long term trend for interest"},{"speaker":"Nick Lincoln","startTime":1608.25,"endTime":1610.9499999999998,"body":"rates in the UK is about where"},{"speaker":"Nick Lincoln","startTime":1610.9499999999998,"endTime":1613.02,"body":"we are now it's about four and a"},{"speaker":"Nick Lincoln","startTime":1610.9499999999998,"endTime":1613.02,"body":"half percent historically. So"},{"speaker":"Nick Lincoln","startTime":1613.02,"endTime":1616.1699999999998,"body":"assuming this goes on, it'll go"},{"speaker":"Nick Lincoln","startTime":1613.02,"endTime":1616.1699999999998,"body":"on and go on and it'll be a"},{"speaker":"Nick Lincoln","startTime":1616.1699999999998,"endTime":1619.08,"body":"bigger scandal and if rates go"},{"speaker":"Nick Lincoln","startTime":1616.1699999999998,"endTime":1619.08,"body":"up more, it's going to be is"},{"speaker":"Nick Lincoln","startTime":1619.08,"endTime":1621.81,"body":"gonna become a real thing. So"},{"speaker":"Nick Lincoln","startTime":1619.08,"endTime":1621.81,"body":"basically, a lot of platforms"},{"speaker":"Nick Lincoln","startTime":1621.81,"endTime":1625.2299999999998,"body":"don't pass on what they get from"},{"speaker":"Nick Lincoln","startTime":1621.81,"endTime":1625.2299999999998,"body":"cash, they they they keep back a"},{"speaker":"Nick Lincoln","startTime":1625.2299999999998,"endTime":1627.9599999999998,"body":"tiny sliver of it for the for"},{"speaker":"Nick Lincoln","startTime":1625.2299999999998,"endTime":1627.9599999999998,"body":"the customer for the best and"},{"speaker":"Nick Lincoln","startTime":1627.9599999999998,"endTime":1631.77,"body":"they they keep the rest. And"},{"speaker":"Nick Lincoln","startTime":1627.9599999999998,"endTime":1631.77,"body":"there's an article in city y,"},{"speaker":"Nick Lincoln","startTime":1631.86,"endTime":1634.7099999999998,"body":"new model, advisor, whatever"},{"speaker":"Nick Lincoln","startTime":1631.86,"endTime":1634.7099999999998,"body":"whatever it's whatever that is"},{"speaker":"Nick Lincoln","startTime":1634.8,"endTime":1639.27,"body":"called no still put the model in"},{"speaker":"Nick Lincoln","startTime":1634.8,"endTime":1639.27,"body":"motion and how Transact share"},{"speaker":"Nick Lincoln","startTime":1639.27,"endTime":1642.03,"body":"prices as has struggled"},{"speaker":"Nick Lincoln","startTime":1639.27,"endTime":1642.03,"body":"recently, one of the primary"},{"speaker":"Nick Lincoln","startTime":1642.03,"endTime":1644.52,"body":"reasons is that Transact don't"},{"speaker":"Nick Lincoln","startTime":1642.03,"endTime":1644.52,"body":"take a cut, they don't skim off"},{"speaker":"Nick Lincoln","startTime":1644.52,"endTime":1647.25,"body":"the top of the cache, but other"},{"speaker":"Nick Lincoln","startTime":1644.52,"endTime":1647.25,"body":"platforms do like AJ, Berlin,"},{"speaker":"Nick Lincoln","startTime":1647.25,"endTime":1650.6399999999999,"body":"Hargreaves and hot I'm really"},{"speaker":"Nick Lincoln","startTime":1647.25,"endTime":1650.6399999999999,"body":"excited for Batum for the six"},{"speaker":"Nick Lincoln","startTime":1650.6399999999999,"endTime":1654.2099999999998,"body":"months at the end of last year,"},{"speaker":"Nick Lincoln","startTime":1650.6399999999999,"endTime":1654.2099999999998,"body":"Hargreaves made 122 million from"},{"speaker":"Nick Lincoln","startTime":1654.2099999999998,"endTime":1658.05,"body":"cash accounts more than a third"},{"speaker":"Nick Lincoln","startTime":1654.2099999999998,"endTime":1658.05,"body":"of its total revenues, and AJ"},{"speaker":"Nick Lincoln","startTime":1658.05,"endTime":1661.29,"body":"bells ongoing, profitable"},{"speaker":"Nick Lincoln","startTime":1658.05,"endTime":1661.29,"body":"growth, revenue growth is up"},{"speaker":"Nick Lincoln","startTime":1661.29,"endTime":1663.33,"body":"massively. They don't disclose"},{"speaker":"Nick Lincoln","startTime":1661.29,"endTime":1663.33,"body":"how much comes from cash, but"},{"speaker":"Nick Lincoln","startTime":1663.33,"endTime":1666.75,"body":"it's just gone through the roof."},{"speaker":"Nick Lincoln","startTime":1663.33,"endTime":1666.75,"body":"And I think it's I just think"},{"speaker":"Nick Lincoln","startTime":1666.75,"endTime":1668.52,"body":"it's so here we are, we spend"},{"speaker":"Nick Lincoln","startTime":1666.75,"endTime":1668.52,"body":"hours don't we're looking at,"},{"speaker":"Nick Lincoln","startTime":1668.8799999999999,"endTime":1672.2099999999998,"body":"you know, platform due"},{"speaker":"Nick Lincoln","startTime":1668.8799999999999,"endTime":1672.2099999999998,"body":"diligence. And this, you know,"},{"speaker":"Nick Lincoln","startTime":1672.2099999999998,"endTime":1674.9699999999998,"body":"this one's five basis points"},{"speaker":"Nick Lincoln","startTime":1672.2099999999998,"endTime":1674.9699999999998,"body":"more than that one, how on earth"},{"speaker":"Nick Lincoln","startTime":1674.9699999999998,"endTime":1678.12,"body":"can you justify, and this whole"},{"speaker":"Nick Lincoln","startTime":1674.9699999999998,"endTime":1678.12,"body":"cash game thing blows that out"},{"speaker":"Nick Lincoln","startTime":1678.12,"endTime":1680.3999999999999,"body":"of the water. And here's the"},{"speaker":"Nick Lincoln","startTime":1678.12,"endTime":1680.3999999999999,"body":"reason why this is from"},{"speaker":"Nick Lincoln","startTime":1680.3999999999999,"endTime":1684.9299999999998,"body":"something that Transact"},{"speaker":"Nick Lincoln","startTime":1680.3999999999999,"endTime":1684.9299999999998,"body":"released. I'll read out verbatim"},{"speaker":"Nick Lincoln","startTime":1684.9299999999998,"endTime":1687.9899999999998,"body":"so as interest rates rise, you"},{"speaker":"Nick Lincoln","startTime":1684.9299999999998,"endTime":1687.9899999999998,"body":"will have seen many more reports"},{"speaker":"Nick Lincoln","startTime":1687.9899999999998,"endTime":1690.2399999999998,"body":"and the different approaches"},{"speaker":"Nick Lincoln","startTime":1687.9899999999998,"endTime":1690.2399999999998,"body":"platforms are taken with client"},{"speaker":"Nick Lincoln","startTime":1690.2399999999998,"endTime":1694.2299999999998,"body":"cash. One platform recently"},{"speaker":"Nick Lincoln","startTime":1690.2399999999998,"endTime":1694.2299999999998,"body":"reported profit of 24 million"},{"speaker":"Nick Lincoln","startTime":1694.2299999999998,"endTime":1697.7399999999998,"body":"from their clients cash alone,"},{"speaker":"Nick Lincoln","startTime":1694.2299999999998,"endTime":1697.7399999999998,"body":"our approach is different. We"},{"speaker":"Nick Lincoln","startTime":1697.7399999999998,"endTime":1701.4599999999998,"body":"think that it is wrong to skim"},{"speaker":"Nick Lincoln","startTime":1697.7399999999998,"endTime":1701.4599999999998,"body":"and that's Transact adjective"},{"speaker":"Nick Lincoln","startTime":1701.4899999999998,"endTime":1704.9699999999998,"body":"skim client interest. This is an"},{"speaker":"Nick Lincoln","startTime":1701.4899999999998,"endTime":1704.9699999999998,"body":"interest investment return just"},{"speaker":"Nick Lincoln","startTime":1704.9699999999998,"endTime":1708.09,"body":"like a dividend, or"},{"speaker":"Nick Lincoln","startTime":1704.9699999999998,"endTime":1708.09,"body":"distribution. So we pass on all"},{"speaker":"Nick Lincoln","startTime":1708.09,"endTime":1712.05,"body":"interest to clients. Anyway,"},{"speaker":"Nick Lincoln","startTime":1708.09,"endTime":1712.05,"body":"long story short, what Transact"},{"speaker":"Nick Lincoln","startTime":1712.05,"endTime":1715.86,"body":"get now on cash is just over 4%"},{"speaker":"Nick Lincoln","startTime":1712.05,"endTime":1715.86,"body":"for clients. And they pass that"},{"speaker":"Nick Lincoln","startTime":1715.86,"endTime":1719.07,"body":"all on to the clients 4%. And"},{"speaker":"Nick Lincoln","startTime":1715.86,"endTime":1719.07,"body":"here's the interesting thing"},{"speaker":"Nick Lincoln","startTime":1719.1,"endTime":1721.4399999999998,"body":"back to Transact, the average"},{"speaker":"Nick Lincoln","startTime":1719.1,"endTime":1721.4399999999998,"body":"portfolio with Transact is"},{"speaker":"Nick Lincoln","startTime":1721.4399999999998,"endTime":1725.04,"body":"valued at 235,000 pounds, with"},{"speaker":"Nick Lincoln","startTime":1721.4399999999998,"endTime":1725.04,"body":"six and a half percent,"},{"speaker":"Nick Lincoln","startTime":1725.04,"endTime":1729.27,"body":"typically in cash. And what that"},{"speaker":"Nick Lincoln","startTime":1725.04,"endTime":1729.27,"body":"means is on that six and a half"},{"speaker":"Nick Lincoln","startTime":1729.27,"endTime":1732.51,"body":"percent in cash with the current"},{"speaker":"Nick Lincoln","startTime":1729.27,"endTime":1732.51,"body":"rate of interest, the client"},{"speaker":"Nick Lincoln","startTime":1732.54,"endTime":1738.4799999999998,"body":"earns 26 basis points, that more"},{"speaker":"Nick Lincoln","startTime":1732.54,"endTime":1738.4799999999998,"body":"than covers Transact costs. In"},{"speaker":"Nick Lincoln","startTime":1738.4799999999998,"endTime":1741.6299999999999,"body":"other words at the moment"},{"speaker":"Nick Lincoln","startTime":1738.4799999999998,"endTime":1741.6299999999999,"body":"Transact pay you to put money on"},{"speaker":"Nick Lincoln","startTime":1741.6299999999999,"endTime":1744.3899999999999,"body":"their platform. And that sort of"},{"speaker":"Nick Lincoln","startTime":1741.6299999999999,"endTime":1744.3899999999999,"body":"bog standard four and a half"},{"speaker":"Nick Lincoln","startTime":1744.3899999999999,"endTime":1747.7199999999998,"body":"percent long term trend UK"},{"speaker":"Nick Lincoln","startTime":1744.3899999999999,"endTime":1747.7199999999998,"body":"interest rate and I just, to me"},{"speaker":"Nick Lincoln","startTime":1747.7199999999998,"endTime":1750.6,"body":"that isn't that isn't a credit"},{"speaker":"Nick Lincoln","startTime":1747.7199999999998,"endTime":1750.6,"body":"to Transact some other platforms"},{"speaker":"Nick Lincoln","startTime":1750.6,"endTime":1754.4699999999998,"body":"do pass on the full amount, but"},{"speaker":"Nick Lincoln","startTime":1750.6,"endTime":1754.4699999999998,"body":"not many. And you're just"},{"speaker":"Nick Lincoln","startTime":1754.4699999999998,"endTime":1757.02,"body":"thinking, you know, you're"},{"speaker":"Nick Lincoln","startTime":1754.4699999999998,"endTime":1757.02,"body":"getting a free platform at the"},{"speaker":"Nick Lincoln","startTime":1757.02,"endTime":1759.57,"body":"minute, the I don't know,"},{"speaker":"Nick Lincoln","startTime":1757.02,"endTime":1759.57,"body":"averages contain a whole range"},{"speaker":"Nick Lincoln","startTime":1759.57,"endTime":1762.78,"body":"of skews and distributions, but"},{"speaker":"Nick Lincoln","startTime":1759.57,"endTime":1762.78,"body":"the average on Transact is"},{"speaker":"Nick Lincoln","startTime":1762.78,"endTime":1767.4599999999998,"body":"getting a free platform and two"},{"speaker":"Nick Lincoln","startTime":1762.78,"endTime":1767.4599999999998,"body":"basis points thrown in. So I"},{"speaker":"Nick Lincoln","startTime":1767.4599999999998,"endTime":1769.9199999999998,"body":"don't know if you guys have a"},{"speaker":"Nick Lincoln","startTime":1767.4599999999998,"endTime":1769.9199999999998,"body":"view on any of that. And a year"},{"speaker":"Andy Hart","startTime":1769.9499999999998,"endTime":1774.57,"body":"ago, now, it's a huge"},{"speaker":"Andy Hart","startTime":1769.9499999999998,"endTime":1774.57,"body":"subject, Nick, it crops up every"},{"speaker":"Andy Hart","startTime":1774.57,"endTime":1776.4899999999998,"body":"so often. And there's probably"},{"speaker":"Andy Hart","startTime":1774.57,"endTime":1776.4899999999998,"body":"something that's done a proper"},{"speaker":"Andy Hart","startTime":1776.4899999999998,"endTime":1779.8799999999999,"body":"reporting in the UK, if we're"},{"speaker":"Andy Hart","startTime":1776.4899999999998,"endTime":1779.8799999999999,"body":"going anywhere that the US is"},{"speaker":"Andy Hart","startTime":1779.8799999999999,"endTime":1782.4899999999998,"body":"heading, all the big platforms"},{"speaker":"Andy Hart","startTime":1779.8799999999999,"endTime":1782.4899999999998,"body":"in the US have technically"},{"speaker":"Andy Hart","startTime":1782.4899999999998,"endTime":1787.08,"body":"bought their freeze down to"},{"speaker":"Andy Hart","startTime":1782.4899999999998,"endTime":1787.08,"body":"zero, because of this scheme. I"},{"speaker":"Andy Hart","startTime":1787.08,"endTime":1789.87,"body":"think the clients will be net"},{"speaker":"Andy Hart","startTime":1787.08,"endTime":1789.87,"body":"net however way they slice and"},{"speaker":"Andy Hart","startTime":1789.87,"endTime":1792.9599999999998,"body":"dice it, because if they don't"},{"speaker":"Andy Hart","startTime":1789.87,"endTime":1792.9599999999998,"body":"skim, they're just going to"},{"speaker":"Andy Hart","startTime":1792.9599999999998,"endTime":1796.1999999999998,"body":"increase the basis points they"},{"speaker":"Andy Hart","startTime":1792.9599999999998,"endTime":1796.1999999999998,"body":"charged directly to the client."},{"speaker":"Andy Hart","startTime":1796.3799999999999,"endTime":1799.3799999999999,"body":"That's why sometimes from a like"},{"speaker":"Andy Hart","startTime":1796.3799999999999,"endTime":1799.3799999999999,"body":"for like basis, the ones that do"},{"speaker":"Andy Hart","startTime":1799.3799999999999,"endTime":1802.7399999999998,"body":"scheme come up cheaper in the"},{"speaker":"Andy Hart","startTime":1799.3799999999999,"endTime":1802.7399999999998,"body":"sort of leagues and someone like"},{"speaker":"Andy Hart","startTime":1802.7399999999998,"endTime":1806.37,"body":"Transact does, so yeah, I mean,"},{"speaker":"Andy Hart","startTime":1802.7399999999998,"endTime":1806.37,"body":"it's smoke and mirrors. Don't"},{"speaker":"Andy Hart","startTime":1806.37,"endTime":1809.1899999999998,"body":"get me wrong. The regulator"},{"speaker":"Andy Hart","startTime":1806.37,"endTime":1809.1899999999998,"body":"obviously is okay with it."},{"speaker":"Andy Hart","startTime":1809.2199999999998,"endTime":1812.55,"body":"Because Hargreaves are"},{"speaker":"Andy Hart","startTime":1809.2199999999998,"endTime":1812.55,"body":"straddling the regulator line."},{"speaker":"Andy Hart","startTime":1812.79,"endTime":1816.03,"body":"They're not breaching any rules,"},{"speaker":"Andy Hart","startTime":1812.79,"endTime":1816.03,"body":"I'm sure. Yeah, I think the"},{"speaker":"Andy Hart","startTime":1816.03,"endTime":1819.75,"body":"typical platform has cash of 10%"},{"speaker":"Andy Hart","startTime":1816.03,"endTime":1819.75,"body":"transactions lower because it's"},{"speaker":"Andy Hart","startTime":1819.75,"endTime":1822.9599999999998,"body":"advised clients so they're doing"},{"speaker":"Andy Hart","startTime":1819.75,"endTime":1822.9599999999998,"body":"less mistakes. That's an"},{"speaker":"Andy Hart","startTime":1822.9599999999998,"endTime":1826.11,"body":"interesting point in itself."},{"speaker":"Andy Hart","startTime":1822.9599999999998,"endTime":1826.11,"body":"Yeah, this is a huge huge"},{"speaker":"Andy Hart","startTime":1826.11,"endTime":1832.11,"body":"subject for well done for"},{"speaker":"Andy Hart","startTime":1826.11,"endTime":1832.11,"body":"bringing it up. Who's next? Next"},{"speaker":"Andy Hart","startTime":1832.1399999999999,"endTime":1832.29,"body":"Oh,"},{"speaker":"Alan Smith","startTime":1832.7099999999998,"endTime":1835.4099999999999,"body":"I would just I would"},{"speaker":"Alan Smith","startTime":1832.7099999999998,"endTime":1835.4099999999999,"body":"just say that it just it's to me"},{"speaker":"Alan Smith","startTime":1835.4099999999999,"endTime":1839.34,"body":"just smacks of the it's kind of"},{"speaker":"Alan Smith","startTime":1835.4099999999999,"endTime":1839.34,"body":"just about integrity. Integrity"},{"speaker":"Alan Smith","startTime":1839.34,"endTime":1842.55,"body":"is whose money is it really is"},{"speaker":"Alan Smith","startTime":1839.34,"endTime":1842.55,"body":"it I think is double dipping,"},{"speaker":"Alan Smith","startTime":1842.55,"endTime":1844.53,"body":"because I don't see someone like"},{"speaker":"Alan Smith","startTime":1842.55,"endTime":1844.53,"body":"Hargreaves Lansdown, you don't"},{"speaker":"Alan Smith","startTime":1844.53,"endTime":1848.04,"body":"get a discount on their platform"},{"speaker":"Alan Smith","startTime":1844.53,"endTime":1848.04,"body":"charge of 45 basis points that"},{"speaker":"Alan Smith","startTime":1848.04,"endTime":1850.4699999999998,"body":"Hargreaves charge plus they're"},{"speaker":"Alan Smith","startTime":1848.04,"endTime":1850.4699999999998,"body":"making the money as you say,"},{"speaker":"Alan Smith","startTime":1850.4699999999998,"endTime":1855.03,"body":"like a third of their revenue."},{"speaker":"Alan Smith","startTime":1850.4699999999998,"endTime":1855.03,"body":"Third, they will profit comes"},{"speaker":"Alan Smith","startTime":1855.03,"endTime":1857.37,"body":"from this cash skim it just to"},{"speaker":"Alan Smith","startTime":1855.03,"endTime":1857.37,"body":"me,"},{"speaker":"Nick Lincoln","startTime":1857.52,"endTime":1858.9899999999998,"body":"can I interject? I"},{"speaker":"Nick Lincoln","startTime":1857.52,"endTime":1858.9899999999998,"body":"mean, what the what these"},{"speaker":"Nick Lincoln","startTime":1858.9899999999998,"endTime":1860.9399999999998,"body":"platforms will say and it's"},{"speaker":"Nick Lincoln","startTime":1858.9899999999998,"endTime":1860.9399999999998,"body":"true, but they will they will"},{"speaker":"Nick Lincoln","startTime":1860.9399999999998,"endTime":1862.9199999999998,"body":"say well, we disclose this in"},{"speaker":"Nick Lincoln","startTime":1860.9399999999998,"endTime":1862.9199999999998,"body":"our terms and conditions that we"},{"speaker":"Nick Lincoln","startTime":1862.9499999999998,"endTime":1865.59,"body":"have costs on the full amount"},{"speaker":"Nick Lincoln","startTime":1862.9499999999998,"endTime":1865.59,"body":"and which I which legally they"},{"speaker":"Nick Lincoln","startTime":1865.59,"endTime":1868.9499999999998,"body":"took the book. I just think as"},{"speaker":"Nick Lincoln","startTime":1865.59,"endTime":1868.9499999999998,"body":"advisors we need you've had 15"},{"speaker":"Nick Lincoln","startTime":1868.9499999999998,"endTime":1870.6,"body":"years of nothing to give a"},{"speaker":"Nick Lincoln","startTime":1868.9499999999998,"endTime":1870.6,"body":"monkey's about this because I"},{"speaker":"Nick Lincoln","startTime":1870.6,"endTime":1873.33,"body":"haven't been based in which"},{"speaker":"Nick Lincoln","startTime":1870.6,"endTime":1873.33,"body":"Africa but now yeah, if you're"},{"speaker":"Nick Lincoln","startTime":1873.33,"endTime":1876.0,"body":"not doing this part of your"},{"speaker":"Nick Lincoln","startTime":1873.33,"endTime":1876.0,"body":"platform due diligence, I'd want"},{"speaker":"Nick Lincoln","startTime":1876.0,"endTime":1879.2099999999998,"body":"to Okay, I'm picking AJ bell"},{"speaker":"Nick Lincoln","startTime":1876.0,"endTime":1879.2099999999998,"body":"here and I think their standard"},{"speaker":"Nick Lincoln","startTime":1879.2099999999998,"endTime":1882.6299999999999,"body":"platform pricing is 20 basis"},{"speaker":"Nick Lincoln","startTime":1879.2099999999998,"endTime":1882.6299999999999,"body":"points compared to Transact 25."},{"speaker":"Nick Lincoln","startTime":1882.87,"endTime":1885.8999999999999,"body":"In actuality, on Transact the"},{"speaker":"Nick Lincoln","startTime":1882.87,"endTime":1885.8999999999999,"body":"actual clients paying zero,"},{"speaker":"Nick Lincoln","startTime":1886.02,"endTime":1889.8899999999999,"body":"you're probably still paying 20"},{"speaker":"Nick Lincoln","startTime":1886.02,"endTime":1889.8899999999999,"body":"basis points and AJ Bell. Okay,"},{"speaker":"Nick Lincoln","startTime":1889.8899999999999,"endTime":1892.6499999999999,"body":"just a fact that's quite a cost"},{"speaker":"Nick Lincoln","startTime":1889.8899999999999,"endTime":1892.6499999999999,"body":"difference. I would say, Okay."},{"speaker":"Nick Lincoln","startTime":1893.8799999999999,"endTime":1898.08,"body":"Mister Mister the voice the"},{"speaker":"Nick Lincoln","startTime":1893.8799999999999,"endTime":1898.08,"body":"voice Metis Island recruitment"},{"speaker":"Nick Lincoln","startTime":1898.1699999999998,"endTime":1899.01,"body":"update."},{"speaker":"Carl Widger","startTime":1900.03,"endTime":1904.11,"body":"Yeah. So I said"},{"speaker":"Carl Widger","startTime":1900.03,"endTime":1904.11,"body":"before I went away that we were"},{"speaker":"Carl Widger","startTime":1904.86,"endTime":1908.6699999999998,"body":"launching a recruitment drive."},{"speaker":"Carl Widger","startTime":1904.86,"endTime":1908.6699999999998,"body":"So we had seven positions open."},{"speaker":"Carl Widger","startTime":1909.4799999999998,"endTime":1914.2199999999998,"body":"And I think we're, we're there"},{"speaker":"Carl Widger","startTime":1909.4799999999998,"endTime":1914.2199999999998,"body":"with four of those positions"},{"speaker":"Carl Widger","startTime":1914.25,"endTime":1919.4699999999998,"body":"bullsh, one of the ones that"},{"speaker":"Carl Widger","startTime":1914.25,"endTime":1919.4699999999998,"body":"thank you one of the ones that"},{"speaker":"Carl Widger","startTime":1919.4699999999998,"endTime":1922.6799999999998,"body":"were struggling a little bit"},{"speaker":"Carl Widger","startTime":1919.4699999999998,"endTime":1922.6799999999998,"body":"being honest, right is getting"},{"speaker":"Carl Widger","startTime":1922.9499999999998,"endTime":1926.01,"body":"experienced private client"},{"speaker":"Carl Widger","startTime":1922.9499999999998,"endTime":1926.01,"body":"managers on board. So that's"},{"speaker":"Carl Widger","startTime":1926.01,"endTime":1931.3799999999999,"body":"basically people who are out"},{"speaker":"Carl Widger","startTime":1926.01,"endTime":1931.3799999999999,"body":"there advising clients. And"},{"speaker":"Carl Widger","startTime":1931.5,"endTime":1934.5,"body":"look, I just want to shout out"},{"speaker":"Carl Widger","startTime":1931.5,"endTime":1934.5,"body":"because I know they're watching"},{"speaker":"Carl Widger","startTime":1934.5,"endTime":1939.2399999999998,"body":"or listening to Trump to say,"},{"speaker":"Carl Widger","startTime":1934.5,"endTime":1939.2399999999998,"body":"send me a DM if you're in a"},{"speaker":"Carl Widger","startTime":1939.36,"endTime":1942.1499999999999,"body":"inverted commas financial"},{"speaker":"Carl Widger","startTime":1939.36,"endTime":1942.1499999999999,"body":"advisory firm, and you're just"},{"speaker":"Carl Widger","startTime":1942.1499999999999,"endTime":1945.27,"body":"selling product, you know,"},{"speaker":"Carl Widger","startTime":1942.1499999999999,"endTime":1945.27,"body":"there's a better way of doing"},{"speaker":"Carl Widger","startTime":1945.27,"endTime":1949.3799999999999,"body":"it, you know, you owe the"},{"speaker":"Carl Widger","startTime":1945.27,"endTime":1949.3799999999999,"body":"clients, please send me a direct"},{"speaker":"Carl Widger","startTime":1949.3799999999999,"endTime":1954.51,"body":"message. And then also, they'll"},{"speaker":"Carl Widger","startTime":1949.3799999999999,"endTime":1954.51,"body":"also see that I was deeply"},{"speaker":"Carl Widger","startTime":1954.51,"endTime":1960.03,"body":"uncomfortable with the content"},{"speaker":"Carl Widger","startTime":1954.51,"endTime":1960.03,"body":"of today's always do the Irish"},{"speaker":"Carl Widger","startTime":1960.3899999999999,"endTime":1962.7299999999998,"body":"versus UK cultural differences"},{"speaker":"Nick Lincoln","startTime":1969.8999999999999,"endTime":1973.8899999999999,"body":"there we go the"},{"speaker":"Nick Lincoln","startTime":1969.8999999999999,"endTime":1973.8899999999999,"body":"voice the voice saving the Irish"},{"speaker":"Nick Lincoln","startTime":1973.8899999999999,"endTime":1975.81,"body":"financial planning community by"},{"speaker":"Nick Lincoln","startTime":1973.8899999999999,"endTime":1975.81,"body":"doing the right thing and an"},{"speaker":"Nick Lincoln","startTime":1975.81,"endTime":1979.26,"body":"advocate if you want to join a"},{"speaker":"Nick Lincoln","startTime":1975.81,"endTime":1979.26,"body":"proper firm Metis Norway is the"},{"speaker":"Nick Lincoln","startTime":1979.26,"endTime":1983.6999999999998,"body":"place for you. And that's okay,"},{"speaker":"Nick Lincoln","startTime":1979.26,"endTime":1983.6999999999998,"body":"Mr. Smith, the ideas exchange."},{"speaker":"Alan Smith","startTime":1985.59,"endTime":1987.6,"body":"Yeah, I'm just gonna"},{"speaker":"Alan Smith","startTime":1985.59,"endTime":1987.6,"body":"pull a couple of thoughts"},{"speaker":"Alan Smith","startTime":1987.6299999999999,"endTime":1991.9199999999998,"body":"together. On this, the ideas"},{"speaker":"Alan Smith","startTime":1987.6299999999999,"endTime":1991.9199999999998,"body":"exchange of which we've"},{"speaker":"Alan Smith","startTime":1991.9199999999998,"endTime":1995.55,"body":"mentioned a couple of times on"},{"speaker":"Alan Smith","startTime":1991.9199999999998,"endTime":1995.55,"body":"this podcast before, is a kind"},{"speaker":"Alan Smith","startTime":1995.55,"endTime":2000.4699999999998,"body":"of mastermind group of I can't"},{"speaker":"Alan Smith","startTime":1995.55,"endTime":2000.4699999999998,"body":"remember but 36 now sort of"},{"speaker":"Alan Smith","startTime":2000.4699999999998,"endTime":2002.81,"body":"business owners financial"},{"speaker":"Alan Smith","startTime":2000.4699999999998,"endTime":2002.81,"body":"planner business on a senior"},{"speaker":"Alan Smith","startTime":2002.81,"endTime":2006.8899999999999,"body":"people ranging from you know,"},{"speaker":"Alan Smith","startTime":2002.81,"endTime":2006.8899999999999,"body":"solely a one man band operations"},{"speaker":"Alan Smith","startTime":2006.8899999999999,"endTime":2010.6699999999998,"body":"to quite significant, you know,"},{"speaker":"Alan Smith","startTime":2006.8899999999999,"endTime":2010.6699999999998,"body":"big big companies and even"},{"speaker":"Alan Smith","startTime":2010.6999999999998,"endTime":2015.83,"body":"global banks, I think one one or"},{"speaker":"Alan Smith","startTime":2010.6999999999998,"endTime":2015.83,"body":"two cases. And, and it's exactly"},{"speaker":"Alan Smith","startTime":2015.83,"endTime":2019.3999999999999,"body":"that, and we generally meet once"},{"speaker":"Alan Smith","startTime":2015.83,"endTime":2019.3999999999999,"body":"a month over breakfast in the"},{"speaker":"Alan Smith","startTime":2019.3999999999999,"endTime":2022.79,"body":"West End of London. We just had"},{"speaker":"Alan Smith","startTime":2019.3999999999999,"endTime":2022.79,"body":"our we have twice a year we have"},{"speaker":"Alan Smith","startTime":2022.79,"endTime":2025.1599999999999,"body":"a bit of a social we have one a"},{"speaker":"Alan Smith","startTime":2022.79,"endTime":2025.1599999999999,"body":"Christmas and we have one in the"},{"speaker":"Alan Smith","startTime":2025.1599999999999,"endTime":2027.56,"body":"summer. We just had it the other"},{"speaker":"Alan Smith","startTime":2025.1599999999999,"endTime":2027.56,"body":"day, and it was a lot of fun. We"},{"speaker":"Alan Smith","startTime":2027.56,"endTime":2031.07,"body":"all got together students,"},{"speaker":"Alan Smith","startTime":2027.56,"endTime":2031.07,"body":"blazing hot sunshine, and drank"},{"speaker":"Alan Smith","startTime":2031.07,"endTime":2035.2399999999998,"body":"copious amounts of champagne and"},{"speaker":"Alan Smith","startTime":2031.07,"endTime":2035.2399999999998,"body":"absolute shambles. I got a good"},{"speaker":"Alan Smith","startTime":2035.2399999999998,"endTime":2039.86,"body":"laugh. At the same time, a"},{"speaker":"Alan Smith","startTime":2035.2399999999998,"endTime":2039.86,"body":"couple of days ago, I got a"},{"speaker":"Alan Smith","startTime":2039.86,"endTime":2043.1899999999998,"body":"message from and shout out to"},{"speaker":"Alan Smith","startTime":2039.86,"endTime":2043.1899999999998,"body":"Fabian Taylor. Let me just"},{"speaker":"Alan Smith","startTime":2043.1899999999998,"endTime":2047.27,"body":"briefly read out. Vivian said to"},{"speaker":"Alan Smith","startTime":2043.1899999999998,"endTime":2047.27,"body":"me, Hi, Alan. I'm an IFA based"},{"speaker":"Alan Smith","startTime":2047.27,"endTime":2050.18,"body":"in Nottingham, and a big fan of"},{"speaker":"Alan Smith","startTime":2047.27,"endTime":2050.18,"body":"trap. And bulletproof"},{"speaker":"Alan Smith","startTime":2050.18,"endTime":2053.3,"body":"entrepreneur, the other podcast,"},{"speaker":"Alan Smith","startTime":2050.18,"endTime":2053.3,"body":"I'm looking to get an ideas"},{"speaker":"Alan Smith","startTime":2053.3,"endTime":2056.81,"body":"exchange or similar set up in"},{"speaker":"Alan Smith","startTime":2053.3,"endTime":2056.81,"body":"Nottingham as a forum to share"},{"speaker":"Alan Smith","startTime":2056.81,"endTime":2060.56,"body":"ideas between ifas I know you've"},{"speaker":"Alan Smith","startTime":2056.81,"endTime":2060.56,"body":"touched upon it in trap, but was"},{"speaker":"Alan Smith","startTime":2060.56,"endTime":2062.45,"body":"wondering if you'd be able to"},{"speaker":"Alan Smith","startTime":2060.56,"endTime":2062.45,"body":"willing to give a bit more"},{"speaker":"Alan Smith","startTime":2062.45,"endTime":2065.54,"body":"detail about it, ie the format"},{"speaker":"Alan Smith","startTime":2062.45,"endTime":2065.54,"body":"it takes what the membership fee"},{"speaker":"Alan Smith","startTime":2065.54,"endTime":2069.02,"body":"goes towards the type of people"},{"speaker":"Alan Smith","startTime":2065.54,"endTime":2069.02,"body":"you have speaking, I want it to"},{"speaker":"Alan Smith","startTime":2069.02,"endTime":2071.72,"body":"be seen as valuable to potential"},{"speaker":"Alan Smith","startTime":2069.02,"endTime":2071.72,"body":"members and not just another"},{"speaker":"Alan Smith","startTime":2071.72,"endTime":2074.81,"body":"conference seminar, where a fund"},{"speaker":"Alan Smith","startTime":2071.72,"endTime":2074.81,"body":"manager or product provider is"},{"speaker":"Alan Smith","startTime":2074.81,"endTime":2078.11,"body":"trying to flog their wares,"},{"speaker":"Alan Smith","startTime":2074.81,"endTime":2078.11,"body":"blah, blah. So I said today,"},{"speaker":"Alan Smith","startTime":2078.11,"endTime":2081.29,"body":"rather than just reply to his"},{"speaker":"Alan Smith","startTime":2078.11,"endTime":2081.29,"body":"message, I thought we could just"},{"speaker":"Alan Smith","startTime":2081.29,"endTime":2085.58,"body":"have a quick chat about this"},{"speaker":"Alan Smith","startTime":2081.29,"endTime":2085.58,"body":"here. Because as I did reply to"},{"speaker":"Alan Smith","startTime":2085.58,"endTime":2088.91,"body":"Fabian, I think that every sort"},{"speaker":"Alan Smith","startTime":2085.58,"endTime":2088.91,"body":"of community up and down the"},{"speaker":"Alan Smith","startTime":2088.91,"endTime":2093.62,"body":"country in every major or city"},{"speaker":"Alan Smith","startTime":2088.91,"endTime":2093.62,"body":"or town, could have their own or"},{"speaker":"Alan Smith","startTime":2093.62,"endTime":2096.05,"body":"should have their own networking"},{"speaker":"Alan Smith","startTime":2093.62,"endTime":2096.05,"body":"group, even if it was half a"},{"speaker":"Alan Smith","startTime":2096.05,"endTime":2099.05,"body":"dozen of you don't need to have"},{"speaker":"Alan Smith","startTime":2096.05,"endTime":2099.05,"body":"36 or 40 people but a group of"},{"speaker":"Alan Smith","startTime":2099.05,"endTime":2101.81,"body":"people. So as I say, I know,"},{"speaker":"Alan Smith","startTime":2099.05,"endTime":2101.81,"body":"we've touched on this before,"},{"speaker":"Alan Smith","startTime":2101.81,"endTime":2105.26,"body":"but I think it'd be worthwhile"},{"speaker":"Alan Smith","startTime":2101.81,"endTime":2105.26,"body":"just maybe Nick as the newest"},{"speaker":"Alan Smith","startTime":2105.26,"endTime":2108.59,"body":"member to that like group,"},{"speaker":"Alan Smith","startTime":2105.26,"endTime":2108.59,"body":"sharing your thoughts and the"},{"speaker":"Alan Smith","startTime":2108.59,"endTime":2114.14,"body":"benefits of a mastermind group."},{"speaker":"Alan Smith","startTime":2108.59,"endTime":2114.14,"body":"What the format ought to be who"},{"speaker":"Alan Smith","startTime":2114.14,"endTime":2119.09,"body":"should be invited? What about"},{"speaker":"Alan Smith","startTime":2114.14,"endTime":2119.09,"body":"speakers? And, you know, what"},{"speaker":"Alan Smith","startTime":2119.09,"endTime":2122.33,"body":"are the fees go to go to pay"},{"speaker":"Alan Smith","startTime":2119.09,"endTime":2122.33,"body":"for? What are your sort of"},{"speaker":"Alan Smith","startTime":2122.33,"endTime":2125.21,"body":"headline thoughts on this, that"},{"speaker":"Alan Smith","startTime":2122.33,"endTime":2125.21,"body":"there'll be helpful Fabian, and"},{"speaker":"Alan Smith","startTime":2125.21,"endTime":2126.1099999999997,"body":"for other listeners,"},{"speaker":"Nick Lincoln","startTime":2127.279,"endTime":2129.379,"body":"thank you for the"},{"speaker":"Nick Lincoln","startTime":2127.279,"endTime":2129.379,"body":"complete lack of preparation at"},{"speaker":"Nick Lincoln","startTime":2129.379,"endTime":2132.8289999999997,"body":"all or needing so you asked me"},{"speaker":"Nick Lincoln","startTime":2129.379,"endTime":2132.8289999999997,"body":"what I think of the idea of"},{"speaker":"Nick Lincoln","startTime":2132.8289999999997,"endTime":2133.399,"body":"exchange."},{"speaker":"Alan Smith","startTime":2134.12,"endTime":2137.96,"body":"Yeah, or just the"},{"speaker":"Alan Smith","startTime":2134.12,"endTime":2137.96,"body":"idea of a group of advisors who"},{"speaker":"Alan Smith","startTime":2137.96,"endTime":2140.5099999999998,"body":"meet periodically share their"},{"speaker":"Alan Smith","startTime":2137.96,"endTime":2140.5099999999998,"body":"best ideas, thoughts."},{"speaker":"Nick Lincoln","startTime":2141.98,"endTime":2144.95,"body":"I mean, it's just"},{"speaker":"Nick Lincoln","startTime":2141.98,"endTime":2144.95,"body":"cliche. So what's the downside?"},{"speaker":"Nick Lincoln","startTime":2145.0699999999997,"endTime":2147.5299999999997,"body":"I think absolutely. Especially"},{"speaker":"Nick Lincoln","startTime":2145.0699999999997,"endTime":2147.5299999999997,"body":"if you're a small you know, one"},{"speaker":"Nick Lincoln","startTime":2147.5299999999997,"endTime":2149.54,"body":"man band or solopreneur,"},{"speaker":"Nick Lincoln","startTime":2147.5299999999997,"endTime":2149.54,"body":"whatever want to call it the,"},{"speaker":"Nick Lincoln","startTime":2149.81,"endTime":2154.19,"body":"the traditional family. Kind of"},{"speaker":"Nick Lincoln","startTime":2149.81,"endTime":2154.19,"body":"IFA size, maybe one two advisors"},{"speaker":"Nick Lincoln","startTime":2154.19,"endTime":2159.02,"body":"and 38 power planners doing God"},{"speaker":"Nick Lincoln","startTime":2154.19,"endTime":2159.02,"body":"knows what. Yeah, I think you're"},{"speaker":"Nick Lincoln","startTime":2159.02,"endTime":2162.74,"body":"in your own little cell and it's"},{"speaker":"Nick Lincoln","startTime":2159.02,"endTime":2162.74,"body":"i Yeah, I'm a recent, I've been"},{"speaker":"Nick Lincoln","startTime":2162.77,"endTime":2166.04,"body":"with the ideas exchange, what"},{"speaker":"Nick Lincoln","startTime":2162.77,"endTime":2166.04,"body":"probably three or joined during"},{"speaker":"Nick Lincoln","startTime":2166.04,"endTime":2170.9,"body":"the Fauci flew Bedwetting, so I"},{"speaker":"Nick Lincoln","startTime":2166.04,"endTime":2170.9,"body":"think three years and I do get I"},{"speaker":"Nick Lincoln","startTime":2170.9,"endTime":2173.12,"body":"do get stuff from a little bit"},{"speaker":"Nick Lincoln","startTime":2170.9,"endTime":2173.12,"body":"flies over my head because as"},{"speaker":"Nick Lincoln","startTime":2173.12,"endTime":2175.49,"body":"you said, the firm's are so"},{"speaker":"Nick Lincoln","startTime":2173.12,"endTime":2175.49,"body":"disparate in size. So when they"},{"speaker":"Nick Lincoln","startTime":2175.49,"endTime":2179.2999999999997,"body":"start talking about I don't"},{"speaker":"Nick Lincoln","startTime":2175.49,"endTime":2179.2999999999997,"body":"know, diversity and inclusion or"},{"speaker":"Nick Lincoln","startTime":2179.2999999999997,"endTime":2182.33,"body":"or or client experiences or"},{"speaker":"Nick Lincoln","startTime":2179.2999999999997,"endTime":2182.33,"body":"getting clients on the on the"},{"speaker":"Nick Lincoln","startTime":2182.33,"endTime":2184.46,"body":"board and all this kind of"},{"speaker":"Nick Lincoln","startTime":2182.33,"endTime":2184.46,"body":"stuff. I kind of glaze over but"},{"speaker":"Nick Lincoln","startTime":2184.79,"endTime":2188.48,"body":"I get enough from it to to make"},{"speaker":"Nick Lincoln","startTime":2184.79,"endTime":2188.48,"body":"it worthwhile. It's easy to do"},{"speaker":"Nick Lincoln","startTime":2188.48,"endTime":2190.97,"body":"isn't it is why isn't there was"},{"speaker":"Nick Lincoln","startTime":2188.48,"endTime":2190.97,"body":"1520 years ago you got the"},{"speaker":"Nick Lincoln","startTime":2190.97,"endTime":2192.8599999999997,"body":"internet now you just put the"},{"speaker":"Nick Lincoln","startTime":2190.97,"endTime":2192.8599999999997,"body":"clarion call out on the"},{"speaker":"Nick Lincoln","startTime":2192.8599999999997,"endTime":2194.69,"body":"internet. And so we're looking"},{"speaker":"Nick Lincoln","startTime":2192.8599999999997,"endTime":2194.69,"body":"at, we're gonna meet at the"},{"speaker":"Nick Lincoln","startTime":2194.69,"endTime":2198.92,"body":"Nottingham I don't know whatever"},{"speaker":"Nick Lincoln","startTime":2194.69,"endTime":2198.92,"body":"the Nottingham Ibis every every"},{"speaker":"Nick Lincoln","startTime":2198.92,"endTime":2202.58,"body":"Wednesday, you know, every third"},{"speaker":"Nick Lincoln","startTime":2198.92,"endTime":2202.58,"body":"Wednesday of the month, come"},{"speaker":"Nick Lincoln","startTime":2202.58,"endTime":2205.52,"body":"along and what you can do, I've"},{"speaker":"Nick Lincoln","startTime":2202.58,"endTime":2205.52,"body":"got an interest in what people"},{"speaker":"Nick Lincoln","startTime":2205.52,"endTime":2208.25,"body":"get their money to. And that's,"},{"speaker":"Nick Lincoln","startTime":2205.52,"endTime":2208.25,"body":"that's not my purview at all."},{"speaker":"Nick Lincoln","startTime":2208.25,"endTime":2210.71,"body":"But I think it's definitely it's"},{"speaker":"Nick Lincoln","startTime":2208.25,"endTime":2210.71,"body":"definitely worth doing. And then"},{"speaker":"Nick Lincoln","startTime":2210.74,"endTime":2212.96,"body":"I belong to a couple of groups."},{"speaker":"Nick Lincoln","startTime":2210.74,"endTime":2212.96,"body":"Some are very loose and"},{"speaker":"Nick Lincoln","startTime":2212.96,"endTime":2216.41,"body":"informal. They're just tend to"},{"speaker":"Nick Lincoln","startTime":2212.96,"endTime":2216.41,"body":"be over lunch. And two more"},{"speaker":"Nick Lincoln","startTime":2216.41,"endTime":2218.9,"body":"structured where's the ideas"},{"speaker":"Nick Lincoln","startTime":2216.41,"endTime":2218.9,"body":"exchange has been going for like"},{"speaker":"Nick Lincoln","startTime":2218.9,"endTime":2222.0499999999997,"body":"four decades, doesn't it? So"},{"speaker":"Nick Lincoln","startTime":2218.9,"endTime":2222.0499999999997,"body":"it's got a whole as a whole"},{"speaker":"Nick Lincoln","startTime":2222.0499999999997,"endTime":2226.0099999999998,"body":"structure to it and an"},{"speaker":"Nick Lincoln","startTime":2222.0499999999997,"endTime":2226.0099999999998,"body":"organization and with 38 active"},{"speaker":"Nick Lincoln","startTime":2226.0099999999998,"endTime":2228.83,"body":"members and then an alumni as"},{"speaker":"Nick Lincoln","startTime":2226.0099999999998,"endTime":2228.83,"body":"well, if that's not included in"},{"speaker":"Nick Lincoln","startTime":2228.83,"endTime":2232.25,"body":"the 38? It's quite a serious?"},{"speaker":"Nick Lincoln","startTime":2228.83,"endTime":2232.25,"body":"Well, there's an AI that I can"},{"speaker":"Nick Lincoln","startTime":2232.25,"endTime":2237.29,"body":"stay category, there is no doubt"},{"speaker":"Nick Lincoln","startTime":2232.25,"endTime":2237.29,"body":"there's any longer standing IFA"},{"speaker":"Nick Lincoln","startTime":2237.5,"endTime":2240.77,"body":"peer group network group in the"},{"speaker":"Nick Lincoln","startTime":2237.5,"endTime":2240.77,"body":"in the UK than the idtechex. But"},{"speaker":"Nick Lincoln","startTime":2240.77,"endTime":2242.99,"body":"yeah, I'd go crack on and do it."},{"speaker":"Nick Lincoln","startTime":2240.77,"endTime":2242.99,"body":"Absolutely. By the way, when we"},{"speaker":"Nick Lincoln","startTime":2242.99,"endTime":2246.65,"body":"talk about Nottingham my"},{"speaker":"Nick Lincoln","startTime":2242.99,"endTime":2246.65,"body":"thoughts go out to the parents"},{"speaker":"Nick Lincoln","startTime":2246.65,"endTime":2251.06,"body":"of those of those afflicted by"},{"speaker":"Nick Lincoln","startTime":2246.65,"endTime":2251.06,"body":"the latest horror. Yeah, that's"},{"speaker":"Nick Lincoln","startTime":2251.06,"endTime":2251.5099999999998,"body":"my beer."},{"speaker":"Alan Smith","startTime":2252.199,"endTime":2253.249,"body":"Andy views"},{"speaker":"Andy Hart","startTime":2253.46,"endTime":2256.1,"body":"over to me. Yes,"},{"speaker":"Andy Hart","startTime":2253.46,"endTime":2256.1,"body":"another huge subject. It's"},{"speaker":"Andy Hart","startTime":2256.1,"endTime":2257.9,"body":"definitely a meat and potatoes"},{"speaker":"Andy Hart","startTime":2256.1,"endTime":2257.9,"body":"subject. I think we've covered"},{"speaker":"Andy Hart","startTime":2257.9,"endTime":2262.1,"body":"it before. But yeah, masterminds"},{"speaker":"Andy Hart","startTime":2257.9,"endTime":2262.1,"body":"are, you know, how to get rich"},{"speaker":"Andy Hart","startTime":2262.1,"endTime":2265.43,"body":"or whatever Dale Carnegie, it's"},{"speaker":"Andy Hart","startTime":2262.1,"endTime":2265.43,"body":"masterminds are the way to, you"},{"speaker":"Andy Hart","startTime":2265.43,"endTime":2268.67,"body":"know, business riches. I've"},{"speaker":"Andy Hart","startTime":2265.43,"endTime":2268.67,"body":"invited the ideas exchange for"},{"speaker":"Andy Hart","startTime":2268.67,"endTime":2272.2999999999997,"body":"11 years, it is a good club,"},{"speaker":"Andy Hart","startTime":2268.67,"endTime":2272.2999999999997,"body":"it's very well structured."},{"speaker":"Andy Hart","startTime":2272.2999999999997,"endTime":2275.48,"body":"That's why it's been successful."},{"speaker":"Andy Hart","startTime":2272.2999999999997,"endTime":2275.48,"body":"You know, that we're strict on"},{"speaker":"Andy Hart","startTime":2275.48,"endTime":2278.3599999999997,"body":"attendance. We're strict on"},{"speaker":"Andy Hart","startTime":2275.48,"endTime":2278.3599999999997,"body":"timings. You know, I like a club"},{"speaker":"Andy Hart","startTime":2278.3599999999997,"endTime":2283.13,"body":"that's well run. The fees have"},{"speaker":"Andy Hart","startTime":2278.3599999999997,"endTime":2283.13,"body":"gone up over the years. When I"},{"speaker":"Andy Hart","startTime":2283.13,"endTime":2285.71,"body":"first joined, I've been there"},{"speaker":"Andy Hart","startTime":2283.13,"endTime":2285.71,"body":"the say 11 years, I can't"},{"speaker":"Andy Hart","startTime":2285.71,"endTime":2289.73,"body":"remember it was like 700 quid,"},{"speaker":"Andy Hart","startTime":2285.71,"endTime":2289.73,"body":"then it went up to a grand and"},{"speaker":"Andy Hart","startTime":2289.73,"endTime":2293.06,"body":"it went to 1200. Now it's a"},{"speaker":"Andy Hart","startTime":2289.73,"endTime":2293.06,"body":"1500. But we've increased the"},{"speaker":"Andy Hart","startTime":2293.06,"endTime":2297.95,"body":"fees, because we are allowing"},{"speaker":"Andy Hart","startTime":2293.06,"endTime":2297.95,"body":"nobody to pay to play, you know,"},{"speaker":"Andy Hart","startTime":2297.95,"endTime":2301.85,"body":"pay to speak. When I first"},{"speaker":"Andy Hart","startTime":2297.95,"endTime":2301.85,"body":"joined my god, the standard of"},{"speaker":"Andy Hart","startTime":2301.85,"endTime":2305.39,"body":"speakers were on a maze that"},{"speaker":"Andy Hart","startTime":2301.85,"endTime":2305.39,"body":"hung around thank God, Alan was"},{"speaker":"Andy Hart","startTime":2305.39,"endTime":2309.14,"body":"there to say no, and it's not"},{"speaker":"Andy Hart","startTime":2305.39,"endTime":2309.14,"body":"that bad. Forget that last 45"},{"speaker":"Andy Hart","startTime":2309.14,"endTime":2312.71,"body":"minutes. You know, they're just"},{"speaker":"Andy Hart","startTime":2309.14,"endTime":2312.71,"body":"there to pay for the scrambled"},{"speaker":"Andy Hart","startTime":2312.71,"endTime":2315.2,"body":"eggs. I thought okay, at least"},{"speaker":"Andy Hart","startTime":2312.71,"endTime":2315.2,"body":"there's some some method to this"},{"speaker":"Andy Hart","startTime":2315.2,"endTime":2319.3399999999997,"body":"madness. Yeah, I recommend"},{"speaker":"Andy Hart","startTime":2315.2,"endTime":2319.3399999999997,"body":"setting them up. I've sort of"},{"speaker":"Andy Hart","startTime":2319.3399999999997,"endTime":2322.0099999999998,"body":"got a volunteer sort of"},{"speaker":"Andy Hart","startTime":2319.3399999999997,"endTime":2322.0099999999998,"body":"mastermind. This is an example"},{"speaker":"Andy Hart","startTime":2322.0099999999998,"endTime":2325.91,"body":"of a mini mastermind. A next gen"},{"speaker":"Andy Hart","startTime":2322.0099999999998,"endTime":2325.91,"body":"is another mastermind sort of"},{"speaker":"Andy Hart","startTime":2325.91,"endTime":2329.69,"body":"organization. So yeah, the ideas"},{"speaker":"Andy Hart","startTime":2325.91,"endTime":2329.69,"body":"exchange, I think is probably"},{"speaker":"Andy Hart","startTime":2329.69,"endTime":2333.02,"body":"the longest running the most"},{"speaker":"Andy Hart","startTime":2329.69,"endTime":2333.02,"body":"well run. And it's got such a"},{"speaker":"Andy Hart","startTime":2333.02,"endTime":2335.9,"body":"mix of people in the room. And"},{"speaker":"Andy Hart","startTime":2333.02,"endTime":2335.9,"body":"we do have a sort of structure"},{"speaker":"Andy Hart","startTime":2335.9,"endTime":2338.42,"body":"that we can loosely share. If"},{"speaker":"Andy Hart","startTime":2335.9,"endTime":2338.42,"body":"you are thinking about doing it."},{"speaker":"Andy Hart","startTime":2338.75,"endTime":2342.5,"body":"My advice to you would be yes,"},{"speaker":"Andy Hart","startTime":2338.75,"endTime":2342.5,"body":"sort of start small. Do it once"},{"speaker":"Andy Hart","startTime":2342.5,"endTime":2345.71,"body":"a quarter but get all the dates"},{"speaker":"Andy Hart","startTime":2342.5,"endTime":2345.71,"body":"in the diary. Get a small bunch"},{"speaker":"Andy Hart","startTime":2345.71,"endTime":2348.5,"body":"of people already together."},{"speaker":"Andy Hart","startTime":2345.71,"endTime":2348.5,"body":"Yeah, ideally, do it the main"},{"speaker":"Andy Hart","startTime":2348.5,"endTime":2353.75,"body":"city do it face to face. We do"},{"speaker":"Andy Hart","startTime":2348.5,"endTime":2353.75,"body":"11 A year we miss out August,"},{"speaker":"Andy Hart","startTime":2353.75,"endTime":2356.75,"body":"and we do two zoom meetings. But"},{"speaker":"Andy Hart","startTime":2353.75,"endTime":2356.75,"body":"I probably think zoom meters"},{"speaker":"Andy Hart","startTime":2356.75,"endTime":2360.83,"body":"will go probably in 2024. And"},{"speaker":"Andy Hart","startTime":2356.75,"endTime":2360.83,"body":"maybe the July meeting might go"},{"speaker":"Andy Hart","startTime":2360.83,"endTime":2363.38,"body":"so they're going to miss July,"},{"speaker":"Andy Hart","startTime":2360.83,"endTime":2363.38,"body":"Miss August and we have 10"},{"speaker":"Andy Hart","startTime":2363.38,"endTime":2366.89,"body":"meetings a year, we meet at"},{"speaker":"Andy Hart","startTime":2363.38,"endTime":2366.89,"body":"about a bit more meat to the"},{"speaker":"Andy Hart","startTime":2366.89,"endTime":2369.77,"body":"bones here we meet like eight in"},{"speaker":"Andy Hart","startTime":2366.89,"endTime":2369.77,"body":"the morning, or half, seven in"},{"speaker":"Andy Hart","startTime":2369.77,"endTime":2372.23,"body":"the morning. We start at let's"},{"speaker":"Andy Hart","startTime":2369.77,"endTime":2372.23,"body":"say eight. We have round robin"},{"speaker":"Andy Hart","startTime":2372.23,"endTime":2375.5899999999997,"body":"topics and nine o'clock we have"},{"speaker":"Andy Hart","startTime":2372.23,"endTime":2375.5899999999997,"body":"sort of a presentation for one"},{"speaker":"Andy Hart","startTime":2375.5899999999997,"endTime":2377.9,"body":"of the members in a presentation"},{"speaker":"Andy Hart","startTime":2375.5899999999997,"endTime":2377.9,"body":"from external then we have"},{"speaker":"Andy Hart","startTime":2377.9,"endTime":2380.66,"body":"further round robin talks. And"},{"speaker":"Andy Hart","startTime":2377.9,"endTime":2380.66,"body":"then we finish about half 11."},{"speaker":"Andy Hart","startTime":2381.77,"endTime":2385.37,"body":"Yeah, it's very well run well"},{"speaker":"Andy Hart","startTime":2381.77,"endTime":2385.37,"body":"oiled. But like all clubs, it's"},{"speaker":"Andy Hart","startTime":2385.37,"endTime":2389.54,"body":"got its challenges. But yeah,"},{"speaker":"Andy Hart","startTime":2385.37,"endTime":2389.54,"body":"sort of spoken enough over to"},{"speaker":"Andy Hart","startTime":2389.54,"endTime":2389.93,"body":"your call."},{"speaker":"Carl Widger","startTime":2392.839,"endTime":2395.989,"body":"Yeah, we have here"},{"speaker":"Carl Widger","startTime":2392.839,"endTime":2395.989,"body":"on this before because when we"},{"speaker":"Carl Widger","startTime":2395.989,"endTime":2400.159,"body":"did, I got a few calls from"},{"speaker":"Carl Widger","startTime":2395.989,"endTime":2400.159,"body":"people who are doing real"},{"speaker":"Carl Widger","startTime":2400.159,"endTime":2403.0989999999997,"body":"financial planning in Ireland."},{"speaker":"Carl Widger","startTime":2400.159,"endTime":2403.0989999999997,"body":"So yeah, let's do it. So had a"},{"speaker":"Carl Widger","startTime":2403.0989999999997,"endTime":2407.419,"body":"couple of cups of coffee more"},{"speaker":"Carl Widger","startTime":2403.0989999999997,"endTime":2407.419,"body":"than a couple actually. And it"},{"speaker":"Carl Widger","startTime":2407.419,"endTime":2410.359,"body":"was up to me then to set it up."},{"speaker":"Carl Widger","startTime":2407.419,"endTime":2410.359,"body":"And I have done nothing about"},{"speaker":"Carl Widger","startTime":2410.359,"endTime":2418.6389999999997,"body":"it. So I'm sorry, but it is on"},{"speaker":"Carl Widger","startTime":2410.359,"endTime":2418.6389999999997,"body":"my agenda. Time. Yeah. Yeah, no,"},{"speaker":"Carl Widger","startTime":2418.6389999999997,"endTime":2422.3289999999997,"body":"I'd look I'm all for it. I think"},{"speaker":"Carl Widger","startTime":2418.6389999999997,"endTime":2422.3289999999997,"body":"it's I think it's a really great"},{"speaker":"Carl Widger","startTime":2422.3289999999997,"endTime":2427.129,"body":"idea that one of the things that"},{"speaker":"Carl Widger","startTime":2422.3289999999997,"endTime":2427.129,"body":"I discovered recently was, as"},{"speaker":"Carl Widger","startTime":2427.129,"endTime":2430.699,"body":"far as I know, there is"},{"speaker":"Carl Widger","startTime":2427.129,"endTime":2430.699,"body":"volunteers, the main cash flow"},{"speaker":"Carl Widger","startTime":2430.699,"endTime":2434.3289999999997,"body":"modeling software used in"},{"speaker":"Carl Widger","startTime":2430.699,"endTime":2434.3289999999997,"body":"Ireland by anyone doing real"},{"speaker":"Carl Widger","startTime":2434.3289999999997,"endTime":2437.449,"body":"financial planning, I think"},{"speaker":"Carl Widger","startTime":2434.3289999999997,"endTime":2437.449,"body":"there is one other kind of"},{"speaker":"Carl Widger","startTime":2437.449,"endTime":2440.899,"body":"entering the market and maybe"},{"speaker":"Carl Widger","startTime":2437.449,"endTime":2440.899,"body":"making a bit of inroads, but in"},{"speaker":"Carl Widger","startTime":2440.929,"endTime":2445.399,"body":"the east, right, which is where"},{"speaker":"Carl Widger","startTime":2440.929,"endTime":2445.399,"body":"Dublin is right? There's only I"},{"speaker":"Carl Widger","startTime":2445.399,"endTime":2449.509,"body":"think 14 firms in total. And"},{"speaker":"Carl Widger","startTime":2445.399,"endTime":2449.509,"body":"Andy, you've probably trained at"},{"speaker":"Carl Widger","startTime":2449.509,"endTime":2454.7889999999998,"body":"least half of them, but only 14"},{"speaker":"Carl Widger","startTime":2449.509,"endTime":2454.7889999999998,"body":"firms and total note like say"},{"speaker":"Carl Widger","startTime":2454.909,"endTime":2459.229,"body":"the really big ones will count"},{"speaker":"Carl Widger","startTime":2454.909,"endTime":2459.229,"body":"for one firm so so they might"},{"speaker":"Carl Widger","startTime":2459.229,"endTime":2463.549,"body":"have loads of licenses, right."},{"speaker":"Carl Widger","startTime":2459.229,"endTime":2463.549,"body":"But the people there's a lot of"},{"speaker":"Carl Widger","startTime":2463.549,"endTime":2466.189,"body":"people saying they're doing real"},{"speaker":"Carl Widger","startTime":2463.549,"endTime":2466.189,"body":"financial planning, but actually"},{"speaker":"Carl Widger","startTime":2466.219,"endTime":2470.449,"body":"the market is still really"},{"speaker":"Carl Widger","startTime":2466.219,"endTime":2470.449,"body":"really, really small. But I have"},{"speaker":"Carl Widger","startTime":2470.449,"endTime":2474.739,"body":"met I have been that one of the"},{"speaker":"Carl Widger","startTime":2470.449,"endTime":2474.739,"body":"massive benefits of of the real"},{"speaker":"Carl Widger","startTime":2474.739,"endTime":2477.439,"body":"advisor podcast you is that"},{"speaker":"Carl Widger","startTime":2474.739,"endTime":2477.439,"body":"people who have listened to it,"},{"speaker":"Carl Widger","startTime":2477.439,"endTime":2480.1389999999997,"body":"I've reached out to me and said,"},{"speaker":"Carl Widger","startTime":2477.439,"endTime":2480.1389999999997,"body":"look, let's meet up. And they"},{"speaker":"Carl Widger","startTime":2480.1389999999997,"endTime":2482.8689999999997,"body":"are all really good people. And"},{"speaker":"Carl Widger","startTime":2480.1389999999997,"endTime":2482.8689999999997,"body":"they all have really a little"},{"speaker":"Carl Widger","startTime":2482.8689999999997,"endTime":2486.799,"body":"bit like our group here, guys,"},{"speaker":"Carl Widger","startTime":2482.8689999999997,"endTime":2486.799,"body":"you know, you can't bought"},{"speaker":"Carl Widger","startTime":2486.799,"endTime":2489.229,"body":"benefit from sitting down and"},{"speaker":"Carl Widger","startTime":2486.799,"endTime":2489.229,"body":"talking to people who are doing"},{"speaker":"Carl Widger","startTime":2489.229,"endTime":2492.199,"body":"it as well, because they'll have"},{"speaker":"Carl Widger","startTime":2489.229,"endTime":2492.199,"body":"different slants on it or"},{"speaker":"Carl Widger","startTime":2492.199,"endTime":2495.499,"body":"different ideas. And, you know,"},{"speaker":"Carl Widger","startTime":2492.199,"endTime":2495.499,"body":"you can only benefit from that."},{"speaker":"Carl Widger","startTime":2495.5589999999997,"endTime":2502.249,"body":"And, you know, my final point of"},{"speaker":"Carl Widger","startTime":2495.5589999999997,"endTime":2502.249,"body":"this is, if the real financial"},{"speaker":"Carl Widger","startTime":2502.249,"endTime":2507.019,"body":"planning market gets bigger in"},{"speaker":"Carl Widger","startTime":2502.249,"endTime":2507.019,"body":"Ireland, well, Mattis is going"},{"speaker":"Carl Widger","startTime":2507.019,"endTime":2509.5989999999997,"body":"to benefit from that, but all"},{"speaker":"Carl Widger","startTime":2507.019,"endTime":2509.5989999999997,"body":"the other firms will as well"},{"speaker":"Carl Widger","startTime":2509.629,"endTime":2512.8089999999997,"body":"under lobbies will be a few will"},{"speaker":"Carl Widger","startTime":2509.629,"endTime":2512.8089999999997,"body":"join us. And that's, that can"},{"speaker":"Carl Widger","startTime":2512.8089999999997,"endTime":2513.949,"body":"only be good, though. Yeah,"},{"speaker":"Andy Hart","startTime":2513.949,"endTime":2519.229,"body":"that those those"},{"speaker":"Andy Hart","startTime":2513.949,"endTime":2519.229,"body":"stats are very low car, but I'll"},{"speaker":"Andy Hart","startTime":2519.229,"endTime":2521.719,"body":"take your word for it, the baby"},{"speaker":"Andy Hart","startTime":2519.229,"endTime":2521.719,"body":"will advocate word with our good"},{"speaker":"Andy Hart","startTime":2521.719,"endTime":2524.479,"body":"mutual friend Stephen Brown to"},{"speaker":"Andy Hart","startTime":2521.719,"endTime":2524.479,"body":"see see where we are all that"},{"speaker":"Andy Hart","startTime":2524.779,"endTime":2525.1389999999997,"body":"over to"},{"speaker":"Carl Widger","startTime":2525.3199999999997,"endTime":2527.33,"body":"where they came"},{"speaker":"Carl Widger","startTime":2525.3199999999997,"endTime":2527.33,"body":"from. Okay, cool."},{"speaker":"Alan Smith","startTime":2527.449,"endTime":2529.759,"body":"Yeah, just kind of"},{"speaker":"Alan Smith","startTime":2527.449,"endTime":2529.759,"body":"wrap this up a couple of quick"},{"speaker":"Alan Smith","startTime":2529.759,"endTime":2534.709,"body":"points. It's, first of all, we"},{"speaker":"Alan Smith","startTime":2529.759,"endTime":2534.709,"body":"employ what they call Chatham"},{"speaker":"Alan Smith","startTime":2534.709,"endTime":2537.919,"body":"House rules. 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So you got to be able to"},{"speaker":"Alan Smith","startTime":2545.0589999999997,"endTime":2548.8089999999997,"body":"largely trust the people you set"},{"speaker":"Alan Smith","startTime":2548.8089999999997,"endTime":2551.899,"body":"down your rules at the"},{"speaker":"Alan Smith","startTime":2548.8089999999997,"endTime":2551.899,"body":"beginning. 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And the other thing is,"},{"speaker":"Alan Smith","startTime":2571.819,"endTime":2574.009,"body":"yeah, because Because Fabian"},{"speaker":"Alan Smith","startTime":2571.819,"endTime":2574.009,"body":"specifically asked us about"},{"speaker":"Alan Smith","startTime":2574.009,"endTime":2577.249,"body":"getting guest speakers and all"},{"speaker":"Alan Smith","startTime":2574.009,"endTime":2577.249,"body":"that and as Sandy said, The by"},{"speaker":"Alan Smith","startTime":2577.249,"endTime":2580.3689999999997,"body":"far the best meetings are we"},{"speaker":"Alan Smith","startTime":2577.249,"endTime":2580.3689999999997,"body":"have had loads of guest speakers"},{"speaker":"Alan Smith","startTime":2580.3689999999997,"endTime":2582.949,"body":"in the past and we continue to"},{"speaker":"Alan Smith","startTime":2580.3689999999997,"endTime":2582.949,"body":"have guest speakers but because"},{"speaker":"Alan Smith","startTime":2582.949,"endTime":2586.8489999999997,"body":"we no longer pay them. We were"},{"speaker":"Alan Smith","startTime":2582.949,"endTime":2586.8489999999997,"body":"very very selective about who"},{"speaker":"Alan Smith","startTime":2586.8489999999997,"endTime":2590.1189999999997,"body":"will come along because by far"},{"speaker":"Alan Smith","startTime":2586.8489999999997,"endTime":2590.1189999999997,"body":"the best sessions or member"},{"speaker":"Alan Smith","startTime":2590.1189999999997,"endTime":2593.629,"body":"sessions were all just yeah"},{"speaker":"Alan Smith","startTime":2590.1189999999997,"endTime":2593.629,"body":"seeing issues and yeah, there's"},{"speaker":"Alan Smith","startTime":2593.629,"endTime":2596.689,"body":"a lot of people there but when"},{"speaker":"Alan Smith","startTime":2593.629,"endTime":2596.689,"body":"I've you know I've come away"},{"speaker":"Alan Smith","startTime":2596.689,"endTime":2598.429,"body":"from this meeting sometimes"},{"speaker":"Alan Smith","startTime":2596.689,"endTime":2598.429,"body":"thinking wow, really, you know,"},{"speaker":"Alan Smith","startTime":2598.429,"endTime":2602.209,"body":"my my notebook is filled filled"},{"speaker":"Alan Smith","startTime":2598.429,"endTime":2602.209,"body":"with ideas or you know, things"},{"speaker":"Alan Smith","startTime":2602.209,"endTime":2605.359,"body":"to do with things to avoid doing"},{"speaker":"Alan Smith","startTime":2602.209,"endTime":2605.359,"body":"little so some of the"},{"speaker":"Alan Smith","startTime":2605.359,"endTime":2608.299,"body":"experiences you hear other"},{"speaker":"Alan Smith","startTime":2605.359,"endTime":2608.299,"body":"advisors you think God that's"},{"speaker":"Alan Smith","startTime":2608.299,"endTime":2610.969,"body":"you know, that's a it's a real"},{"speaker":"Alan Smith","startTime":2608.299,"endTime":2610.969,"body":"challenge they've gone through"},{"speaker":"Alan Smith","startTime":2611.179,"endTime":2612.769,"body":"Oh, sorry. Oh, sorry. Also,"},{"speaker":"Andy Hart","startTime":2612.769,"endTime":2614.269,"body":"what planet are they"},{"speaker":"Andy Hart","startTime":2612.769,"endTime":2614.269,"body":"gonna do some of the stuff they"},{"speaker":"Andy Hart","startTime":2614.269,"endTime":2615.859,"body":"bring up? Well, there's"},{"speaker":"Alan Smith","startTime":2616.4,"endTime":2618.8599999999997,"body":"some you just"},{"speaker":"Alan Smith","startTime":2616.4,"endTime":2618.8599999999997,"body":"scratch your head and say we've"},{"speaker":"Alan Smith","startTime":2618.8599999999997,"endTime":2623.06,"body":"never I've never even thought"},{"speaker":"Alan Smith","startTime":2618.8599999999997,"endTime":2623.06,"body":"about that. But no, as Nick is"},{"speaker":"Alan Smith","startTime":2623.0899999999997,"endTime":2627.44,"body":"said, just I think most"},{"speaker":"Alan Smith","startTime":2623.0899999999997,"endTime":2627.44,"body":"communities most areas you kind"},{"speaker":"Alan Smith","startTime":2627.44,"endTime":2629.75,"body":"of know your local firms your if"},{"speaker":"Alan Smith","startTime":2627.44,"endTime":2629.75,"body":"you're a Nottingham you probably"},{"speaker":"Alan Smith","startTime":2629.75,"endTime":2632.96,"body":"know three or four others in the"},{"speaker":"Alan Smith","startTime":2629.75,"endTime":2632.96,"body":"general area. So reach out to"},{"speaker":"Alan Smith","startTime":2632.96,"endTime":2636.41,"body":"them book it in the diary. And"},{"speaker":"Alan Smith","startTime":2632.96,"endTime":2636.41,"body":"just do breakfast is a good time"},{"speaker":"Alan Smith","startTime":2636.41,"endTime":2639.1099999999997,"body":"and if you do start early enough"},{"speaker":"Alan Smith","startTime":2636.41,"endTime":2639.1099999999997,"body":"doesn't eat up too much of your"},{"speaker":"Alan Smith","startTime":2639.1099999999997,"endTime":2643.8199999999997,"body":"day. And and so therefore the"},{"speaker":"Alan Smith","startTime":2639.1099999999997,"endTime":2643.8199999999997,"body":"membership fee should really"},{"speaker":"Alan Smith","startTime":2643.8199999999997,"endTime":2646.5499999999997,"body":"just cover expenses. You're"},{"speaker":"Alan Smith","startTime":2643.8199999999997,"endTime":2646.5499999999997,"body":"we've we've got other things"},{"speaker":"Alan Smith","startTime":2646.5499999999997,"endTime":2648.56,"body":"we've got charitable things as"},{"speaker":"Alan Smith","startTime":2646.5499999999997,"endTime":2648.56,"body":"well, but the just your"},{"speaker":"Alan Smith","startTime":2648.56,"endTime":2651.08,"body":"expenses, cover the cost of your"},{"speaker":"Alan Smith","startTime":2648.56,"endTime":2651.08,"body":"breakfast or your coffees or"},{"speaker":"Alan Smith","startTime":2651.08,"endTime":2651.5,"body":"whatever."},{"speaker":"Nick Lincoln","startTime":2652.069,"endTime":2654.2889999999998,"body":"And just kind of"},{"speaker":"Nick Lincoln","startTime":2652.069,"endTime":2654.2889999999998,"body":"kind of getting into the into"},{"speaker":"Nick Lincoln","startTime":2654.319,"endTime":2656.839,"body":"the into the nuts and bolts of"},{"speaker":"Nick Lincoln","startTime":2654.319,"endTime":2656.839,"body":"something that you wanted nuts"},{"speaker":"Nick Lincoln","startTime":2656.839,"endTime":2660.799,"body":"and bolts. You want your wiper"},{"speaker":"Nick Lincoln","startTime":2656.839,"endTime":2660.799,"body":"out with your hands back and"},{"speaker":"Nick Lincoln","startTime":2660.799,"endTime":2662.719,"body":"forth. I mean, let's not get too"},{"speaker":"Nick Lincoln","startTime":2660.799,"endTime":2662.719,"body":"much in the detail, you can work"},{"speaker":"Nick Lincoln","startTime":2662.719,"endTime":2663.319,"body":"it out, Andy,"},{"speaker":"Andy Hart","startTime":2663.56,"endTime":2665.45,"body":"just the final thing"},{"speaker":"Andy Hart","startTime":2663.56,"endTime":2665.45,"body":"on that let's not skip past"},{"speaker":"Andy Hart","startTime":2665.45,"endTime":2667.4,"body":"that. That's the first thing you"},{"speaker":"Andy Hart","startTime":2665.45,"endTime":2667.4,"body":"need to have a one in his life,"},{"speaker":"Andy Hart","startTime":2667.4,"endTime":2670.0699999999997,"body":"he got the most amount of black"},{"speaker":"Andy Hart","startTime":2667.4,"endTime":2670.0699999999997,"body":"balls of any new member. So what"},{"speaker":"Andy Hart","startTime":2670.0699999999997,"endTime":2671.54,"body":"are they? Correct?"},{"speaker":"Nick Lincoln","startTime":2672.469,"endTime":2674.959,"body":"Now, about seven"},{"speaker":"Nick Lincoln","startTime":2672.469,"endTime":2674.959,"body":"times now on this on this on"},{"speaker":"Nick Lincoln","startTime":2674.959,"endTime":2675.109,"body":"this?"},{"speaker":"Alan Smith","startTime":2676.46,"endTime":2678.98,"body":"We'll do it we'll do"},{"speaker":"Alan Smith","startTime":2676.46,"endTime":2678.98,"body":"a few more as well. Just"},{"speaker":"Nick Lincoln","startTime":2679.219,"endTime":2681.109,"body":"Andy, by the way,"},{"speaker":"Nick Lincoln","startTime":2679.219,"endTime":2681.109,"body":"spell it. If you're going to"},{"speaker":"Nick Lincoln","startTime":2681.109,"endTime":2683.179,"body":"cough twice loudly, doesn't"},{"speaker":"Nick Lincoln","startTime":2681.109,"endTime":2683.179,"body":"matter if you lean to your left"},{"speaker":"Nick Lincoln","startTime":2683.179,"endTime":2684.979,"body":"because your microphone goes"},{"speaker":"Nick Lincoln","startTime":2683.179,"endTime":2684.979,"body":"with you given his dangling"},{"speaker":"Nick Lincoln","startTime":2684.979,"endTime":2686.839,"body":"around your neck so that there"},{"speaker":"Nick Lincoln","startTime":2684.979,"endTime":2686.839,"body":"were two beauties are dropped in"},{"speaker":"Nick Lincoln","startTime":2686.839,"endTime":2697.7889999999998,"body":"there. Right. Harvard, you know"},{"speaker":"Nick Lincoln","startTime":2686.839,"endTime":2697.7889999999998,"body":"done. Harvard University did a"},{"speaker":"Nick Lincoln","startTime":2697.819,"endTime":2702.409,"body":"study in 1938. And it's still"},{"speaker":"Nick Lincoln","startTime":2697.819,"endTime":2702.409,"body":"ongoing looking into to the"},{"speaker":"Nick Lincoln","startTime":2702.439,"endTime":2706.519,"body":"teenage, mainly American men in"},{"speaker":"Nick Lincoln","startTime":2702.439,"endTime":2706.519,"body":"1938. And every two years"},{"speaker":"Nick Lincoln","startTime":2706.519,"endTime":2710.3289999999997,"body":"interviewed them on their on"},{"speaker":"Nick Lincoln","startTime":2706.519,"endTime":2710.3289999999997,"body":"their progress through life. And"},{"speaker":"Nick Lincoln","startTime":2710.359,"endTime":2712.8489999999997,"body":"most of that cohort, as you"},{"speaker":"Nick Lincoln","startTime":2710.359,"endTime":2712.8489999999997,"body":"might imagine a dead hell. But"},{"speaker":"Nick Lincoln","startTime":2712.8489999999997,"endTime":2716.299,"body":"there are some signs that live"},{"speaker":"Nick Lincoln","startTime":2712.8489999999997,"endTime":2716.299,"body":"an interesting report I read I"},{"speaker":"Nick Lincoln","startTime":2716.299,"endTime":2718.399,"body":"don't think this is new news."},{"speaker":"Nick Lincoln","startTime":2716.299,"endTime":2718.399,"body":"But but it's important to what"},{"speaker":"Nick Lincoln","startTime":2718.399,"endTime":2721.159,"body":"we do and I'll put a link to the"},{"speaker":"Nick Lincoln","startTime":2718.399,"endTime":2721.159,"body":"so called show notes, saying"},{"speaker":"Nick Lincoln","startTime":2721.159,"endTime":2723.949,"body":"that these these these these"},{"speaker":"Nick Lincoln","startTime":2721.159,"endTime":2723.949,"body":"people now who are in their 90s"},{"speaker":"Nick Lincoln","startTime":2724.0989999999997,"endTime":2728.449,"body":"Saying that retirement was"},{"speaker":"Nick Lincoln","startTime":2724.0989999999997,"endTime":2728.449,"body":"something completely different"},{"speaker":"Nick Lincoln","startTime":2728.449,"endTime":2730.339,"body":"from what they thought it would"},{"speaker":"Nick Lincoln","startTime":2728.449,"endTime":2730.339,"body":"be in terms of challenges for"},{"speaker":"Nick Lincoln","startTime":2730.339,"endTime":2733.069,"body":"these for these people. 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And that's just"},{"speaker":"Nick Lincoln","startTime":2757.609,"endTime":2759.8289999999997,"body":"something that you know, again,"},{"speaker":"Nick Lincoln","startTime":2757.609,"endTime":2759.8289999999997,"body":"Mitch Anthony, I think you"},{"speaker":"Nick Lincoln","startTime":2759.8289999999997,"endTime":2761.449,"body":"mentioned his name early"},{"speaker":"Nick Lincoln","startTime":2759.8289999999997,"endTime":2761.449,"body":"colleges you didn't mention his"},{"speaker":"Nick Lincoln","startTime":2761.449,"endTime":2764.149,"body":"name and he says it's not what"},{"speaker":"Nick Lincoln","startTime":2761.449,"endTime":2764.149,"body":"you're retiring from it's what"},{"speaker":"Nick Lincoln","startTime":2764.149,"endTime":2767.449,"body":"are you retiring to, to and I"},{"speaker":"Nick Lincoln","startTime":2764.149,"endTime":2767.449,"body":"think this is the one of the big"},{"speaker":"Nick Lincoln","startTime":2767.449,"endTime":2769.669,"body":"things that we're gonna find"},{"speaker":"Nick Lincoln","startTime":2767.449,"endTime":2769.669,"body":"with our clients is it's just"},{"speaker":"Nick Lincoln","startTime":2769.669,"endTime":2771.649,"body":"helped me I definitely have been"},{"speaker":"Nick Lincoln","startTime":2769.669,"endTime":2771.649,"body":"involved too much. I'm not one"},{"speaker":"Nick Lincoln","startTime":2771.649,"endTime":2774.2889999999998,"body":"of these sort of a, you know,"},{"speaker":"Nick Lincoln","startTime":2771.649,"endTime":2774.2889999999998,"body":"happy clappy hold their hands"},{"speaker":"Nick Lincoln","startTime":2774.2889999999998,"endTime":2776.689,"body":"kind of thing, but it's just"},{"speaker":"Nick Lincoln","startTime":2774.2889999999998,"endTime":2776.689,"body":"raising it with That's okay,"},{"speaker":"Nick Lincoln","startTime":2776.689,"endTime":2778.549,"body":"we've made this decision that"},{"speaker":"Nick Lincoln","startTime":2776.689,"endTime":2778.549,"body":"you are you've made the"},{"speaker":"Nick Lincoln","startTime":2778.549,"endTime":2780.8889999999997,"body":"decision, you want to be"},{"speaker":"Nick Lincoln","startTime":2778.549,"endTime":2780.8889999999997,"body":"financially independent at 55."},{"speaker":"Nick Lincoln","startTime":2780.8889999999997,"endTime":2784.009,"body":"And I'm helping you get there."},{"speaker":"Nick Lincoln","startTime":2780.8889999999997,"endTime":2784.009,"body":"Just you know what you're gonna"},{"speaker":"Nick Lincoln","startTime":2784.009,"endTime":2788.509,"body":"do what you suddenly got 4050"},{"speaker":"Nick Lincoln","startTime":2784.009,"endTime":2788.509,"body":"extra hours a week? How are you"},{"speaker":"Nick Lincoln","startTime":2788.509,"endTime":2792.8289999999997,"body":"going to fill it? So that's an"},{"speaker":"Nick Lincoln","startTime":2788.509,"endTime":2792.8289999999997,"body":"interesting, interesting thing."},{"speaker":"Nick Lincoln","startTime":2792.8289999999997,"endTime":2793.429,"body":"I thought I was"},{"speaker":"Carl Widger","startTime":2793.52,"endTime":2795.92,"body":"just a quick"},{"speaker":"Carl Widger","startTime":2793.52,"endTime":2795.92,"body":"comment, Nick, if I may, there"},{"speaker":"Carl Widger","startTime":2795.92,"endTime":2798.89,"body":"was a, I'm trying to remember"},{"speaker":"Carl Widger","startTime":2795.92,"endTime":2798.89,"body":"the name of the program. But"},{"speaker":"Carl Widger","startTime":2798.89,"endTime":2802.5499999999997,"body":"there was a program done on on"},{"speaker":"Carl Widger","startTime":2798.89,"endTime":2802.5499999999997,"body":"Irish television here. I can't"},{"speaker":"Carl Widger","startTime":2802.5499999999997,"endTime":2805.79,"body":"remember the name. But anyway,"},{"speaker":"Carl Widger","startTime":2802.5499999999997,"endTime":2805.79,"body":"they focused on people who've"},{"speaker":"Carl Widger","startTime":2805.79,"endTime":2809.06,"body":"kind of successfully done the"},{"speaker":"Carl Widger","startTime":2805.79,"endTime":2809.06,"body":"whole retirement thing. But and"},{"speaker":"Carl Widger","startTime":2809.06,"endTime":2813.0499999999997,"body":"really, you know, their"},{"speaker":"Carl Widger","startTime":2809.06,"endTime":2813.0499999999997,"body":"longevity, their, their mental"},{"speaker":"Carl Widger","startTime":2813.0499999999997,"endTime":2816.77,"body":"capacity, you know, how did"},{"speaker":"Carl Widger","startTime":2813.0499999999997,"endTime":2816.77,"body":"they, how did they do it? And"},{"speaker":"Carl Widger","startTime":2816.77,"endTime":2821.15,"body":"the common thread amongst them"},{"speaker":"Carl Widger","startTime":2816.77,"endTime":2821.15,"body":"all? Was that number one, they"},{"speaker":"Carl Widger","startTime":2821.15,"endTime":2825.5,"body":"stayed really active. But number"},{"speaker":"Carl Widger","startTime":2821.15,"endTime":2825.5,"body":"two, right? So everyone knows"},{"speaker":"Carl Widger","startTime":2825.5,"endTime":2828.02,"body":"that the active people who"},{"speaker":"Carl Widger","startTime":2825.5,"endTime":2828.02,"body":"dropped out and all that kind of"},{"speaker":"Carl Widger","startTime":2828.02,"endTime":2832.85,"body":"stuff, right? Number two, they"},{"speaker":"Carl Widger","startTime":2828.02,"endTime":2832.85,"body":"had social elements to their"},{"speaker":"Carl Widger","startTime":2832.85,"endTime":2837.95,"body":"lives. So they were dancers,"},{"speaker":"Carl Widger","startTime":2832.85,"endTime":2837.95,"body":"golfers gardeners, you know, but"},{"speaker":"Carl Widger","startTime":2837.95,"endTime":2840.98,"body":"they met other people, they had"},{"speaker":"Carl Widger","startTime":2837.95,"endTime":2840.98,"body":"other things to get up every"},{"speaker":"Carl Widger","startTime":2840.98,"endTime":2845.96,"body":"morning and go and do. And you"},{"speaker":"Carl Widger","startTime":2840.98,"endTime":2845.96,"body":"might you might be involved with"},{"speaker":"Carl Widger","startTime":2845.96,"endTime":2849.41,"body":"talking to clients about that,"},{"speaker":"Carl Widger","startTime":2845.96,"endTime":2849.41,"body":"Nick, but we very definitely do."},{"speaker":"Carl Widger","startTime":2849.5299999999997,"endTime":2852.83,"body":"And that's one of the reasons we"},{"speaker":"Carl Widger","startTime":2849.5299999999997,"endTime":2852.83,"body":"we decided we do future you,"},{"speaker":"Carl Widger","startTime":2853.5499999999997,"endTime":2857.2999999999997,"body":"which I will talk about on the"},{"speaker":"Carl Widger","startTime":2853.5499999999997,"endTime":2857.2999999999997,"body":"next episode. As it's going to"},{"speaker":"Carl Widger","startTime":2857.2999999999997,"endTime":2860.3599999999997,"body":"happen in September. Again, I"},{"speaker":"Carl Widger","startTime":2857.2999999999997,"endTime":2860.3599999999997,"body":"think it's absolutely vitally"},{"speaker":"Carl Widger","startTime":2860.3599999999997,"endTime":2862.43,"body":"important. And if you're doing"},{"speaker":"Carl Widger","startTime":2860.3599999999997,"endTime":2862.43,"body":"real financial planning for me,"},{"speaker":"Carl Widger","startTime":2862.8199999999997,"endTime":2867.17,"body":"you got to bring these heart or"},{"speaker":"Carl Widger","startTime":2862.8199999999997,"endTime":2867.17,"body":"maybe sometimes hard topics up."},{"speaker":"Nick Lincoln","startTime":2867.98,"endTime":2869.9,"body":"Just just closing"},{"speaker":"Nick Lincoln","startTime":2867.98,"endTime":2869.9,"body":"on this my favorite. I mean, I"},{"speaker":"Nick Lincoln","startTime":2869.9,"endTime":2872.75,"body":"love all my clients. My favorite"},{"speaker":"Nick Lincoln","startTime":2869.9,"endTime":2872.75,"body":"client is a guy who was born in"},{"speaker":"Nick Lincoln","startTime":2872.75,"endTime":2877.22,"body":"1933. So he's turning 90 this"},{"speaker":"Nick Lincoln","startTime":2872.75,"endTime":2877.22,"body":"year. He's got the mental"},{"speaker":"Nick Lincoln","startTime":2877.22,"endTime":2880.13,"body":"outlook of someone 40 years"},{"speaker":"Nick Lincoln","startTime":2877.22,"endTime":2880.13,"body":"younger than him. And he's got"},{"speaker":"Nick Lincoln","startTime":2880.13,"endTime":2883.0699999999997,"body":"more than enough, we do his cash"},{"speaker":"Nick Lincoln","startTime":2880.13,"endTime":2883.0699999999997,"body":"flow, and his son sits in on the"},{"speaker":"Nick Lincoln","startTime":2883.0699999999997,"endTime":2885.35,"body":"annual planning meetings, which"},{"speaker":"Nick Lincoln","startTime":2883.0699999999997,"endTime":2885.35,"body":"is absolutely fine. And"},{"speaker":"Nick Lincoln","startTime":2885.35,"endTime":2888.5899999999997,"body":"something I would advocate. He's"},{"speaker":"Nick Lincoln","startTime":2885.35,"endTime":2888.5899999999997,"body":"just closing another business"},{"speaker":"Nick Lincoln","startTime":2888.5899999999997,"endTime":2891.35,"body":"deal. That's going to be going a"},{"speaker":"Nick Lincoln","startTime":2888.5899999999997,"endTime":2891.35,"body":"couple of 100 things he has"},{"speaker":"Nick Lincoln","startTime":2891.35,"endTime":2893.9,"body":"opened, I just I don't think"},{"speaker":"Nick Lincoln","startTime":2891.35,"endTime":2893.9,"body":"part of his Vim and Vigor comes"},{"speaker":"Nick Lincoln","startTime":2893.9,"endTime":2897.5,"body":"from the fact that he's still"},{"speaker":"Nick Lincoln","startTime":2893.9,"endTime":2897.5,"body":"involved in a commercial thing,"},{"speaker":"Nick Lincoln","startTime":2897.5,"endTime":2899.12,"body":"even though it doesn't need to"},{"speaker":"Nick Lincoln","startTime":2897.5,"endTime":2899.12,"body":"because he loves it. And he's"},{"speaker":"Nick Lincoln","startTime":2899.12,"endTime":2901.7599999999998,"body":"done it all his working life."},{"speaker":"Nick Lincoln","startTime":2899.12,"endTime":2901.7599999999998,"body":"And it's got a whole network of"},{"speaker":"Nick Lincoln","startTime":2901.7599999999998,"endTime":2904.5499999999997,"body":"people who he who he knows all"},{"speaker":"Nick Lincoln","startTime":2901.7599999999998,"endTime":2904.5499999999997,"body":"their stories built up over."},{"speaker":"Nick Lincoln","startTime":2905.0299999999997,"endTime":2909.29,"body":"Crikey, maybe 5060 years now. So"},{"speaker":"Nick Lincoln","startTime":2905.0299999999997,"endTime":2909.29,"body":"you know, he's an example of"},{"speaker":"Nick Lincoln","startTime":2909.29,"endTime":2911.27,"body":"living that live in that and how"},{"speaker":"Nick Lincoln","startTime":2909.29,"endTime":2911.27,"body":"different some and he's one of"},{"speaker":"Nick Lincoln","startTime":2911.27,"endTime":2914.5699999999997,"body":"those people, you know, so how"},{"speaker":"Nick Lincoln","startTime":2911.27,"endTime":2914.5699999999997,"body":"long would this guy live? So I"},{"speaker":"Nick Lincoln","startTime":2915.47,"endTime":2917.87,"body":"could be a long, long time. He's"},{"speaker":"Nick Lincoln","startTime":2915.47,"endTime":2917.87,"body":"just so full of him and bigger."},{"speaker":"Alan Smith","startTime":2918.71,"endTime":2921.3199999999997,"body":"We've given a few"},{"speaker":"Alan Smith","startTime":2918.71,"endTime":2921.3199999999997,"body":"shoutouts to Mitch Anthony in"},{"speaker":"Alan Smith","startTime":2921.3199999999997,"endTime":2923.75,"body":"this one. But what he says as"},{"speaker":"Alan Smith","startTime":2921.3199999999997,"endTime":2923.75,"body":"well, another great, he's"},{"speaker":"Alan Smith","startTime":2923.75,"endTime":2926.81,"body":"brilliant at wordsmithing. Some"},{"speaker":"Alan Smith","startTime":2923.75,"endTime":2926.81,"body":"of these these, these"},{"speaker":"Alan Smith","startTime":2926.81,"endTime":2930.44,"body":"experiences, he says, You need"},{"speaker":"Alan Smith","startTime":2926.81,"endTime":2930.44,"body":"enough money to sleep well at"},{"speaker":"Alan Smith","startTime":2930.44,"endTime":2933.65,"body":"night, enough purpose to get out"},{"speaker":"Alan Smith","startTime":2930.44,"endTime":2933.65,"body":"of bed in the morning. Morning."},{"speaker":"Alan Smith","startTime":2933.68,"endTime":2936.29,"body":"I think that that sums it up"},{"speaker":"Alan Smith","startTime":2933.68,"endTime":2936.29,"body":"really nicely."},{"speaker":"Nick Lincoln","startTime":2936.8599999999997,"endTime":2940.79,"body":"That that is"},{"speaker":"Nick Lincoln","startTime":2936.8599999999997,"endTime":2940.79,"body":"Zinger Okay, Mr. Smith, you've"},{"speaker":"Nick Lincoln","startTime":2940.79,"endTime":2946.79,"body":"got an the shiny, shiny Magpie"},{"speaker":"Nick Lincoln","startTime":2940.79,"endTime":2946.79,"body":"man, you've got an AI event for"},{"speaker":"Nick Lincoln","startTime":2946.79,"endTime":2948.38,"body":"if a workshop you'd like to talk"},{"speaker":"Nick Lincoln","startTime":2946.79,"endTime":2948.38,"body":"to us about."},{"speaker":"Alan Smith","startTime":2948.5,"endTime":2950.96,"body":"Yeah, I think I"},{"speaker":"Alan Smith","startTime":2948.5,"endTime":2950.96,"body":"mentioned this last time. Last"},{"speaker":"Alan Smith","startTime":2950.96,"endTime":2958.04,"body":"time around. There is a specific"},{"speaker":"Alan Smith","startTime":2950.96,"endTime":2958.04,"body":"event on July the fifth in"},{"speaker":"Alan Smith","startTime":2958.04,"endTime":2961.6099999999997,"body":"central London, all about AI"},{"speaker":"Alan Smith","startTime":2958.04,"endTime":2961.6099999999997,"body":"Artificial Intelligence, but"},{"speaker":"Alan Smith","startTime":2961.6099999999997,"endTime":2964.85,"body":"more specifically for financial"},{"speaker":"Alan Smith","startTime":2961.6099999999997,"endTime":2964.85,"body":"planners. So we're gonna have a"},{"speaker":"Alan Smith","startTime":2964.85,"endTime":2968.81,"body":"bit of a deep dive. As it"},{"speaker":"Alan Smith","startTime":2964.85,"endTime":2968.81,"body":"relates to the work that most of"},{"speaker":"Alan Smith","startTime":2968.81,"endTime":2972.83,"body":"us are involved with, it's"},{"speaker":"Alan Smith","startTime":2968.81,"endTime":2972.83,"body":"actually sold out. But there are"},{"speaker":"Alan Smith","startTime":2972.83,"endTime":2975.92,"body":"which we'll probably be able to"},{"speaker":"Alan Smith","startTime":2972.83,"endTime":2975.92,"body":"squeeze another few tickets. By"},{"speaker":"Alan Smith","startTime":2975.92,"endTime":2979.4,"body":"the time this comes out, there's"},{"speaker":"Alan Smith","startTime":2975.92,"endTime":2979.4,"body":"probably a chance of probably"},{"speaker":"Alan Smith","startTime":2979.4,"endTime":2981.8599999999997,"body":"five or six tickets available"},{"speaker":"Alan Smith","startTime":2979.4,"endTime":2981.8599999999997,"body":"that probably go quite quickly."},{"speaker":"Alan Smith","startTime":2981.8599999999997,"endTime":2984.74,"body":"But if you listen to this on"},{"speaker":"Alan Smith","startTime":2981.8599999999997,"endTime":2984.74,"body":"you're interested, do use"},{"speaker":"Alan Smith","startTime":2984.77,"endTime":2989.6,"body":"discount code Allen ala N Get 50"},{"speaker":"Alan Smith","startTime":2984.77,"endTime":2989.6,"body":"quid off, it's only 150 quid,"},{"speaker":"Alan Smith","startTime":2989.69,"endTime":2992.18,"body":"and it's going to be such we'll"},{"speaker":"Alan Smith","startTime":2989.69,"endTime":2992.18,"body":"have such great content. So if"},{"speaker":"Alan Smith","startTime":2992.18,"endTime":2996.08,"body":"you can get along. Also, if you"},{"speaker":"Alan Smith","startTime":2992.18,"endTime":2996.08,"body":"can't get along to it, there is"},{"speaker":"Alan Smith","startTime":2996.08,"endTime":2998.6,"body":"a video version of it and you"},{"speaker":"Alan Smith","startTime":2996.08,"endTime":2998.6,"body":"get a stream, you get a chance"},{"speaker":"Alan Smith","startTime":2998.6,"endTime":3000.8199999999997,"body":"to get the recording, which you"},{"speaker":"Alan Smith","startTime":2998.6,"endTime":3000.8199999999997,"body":"can watch at your leisure."},{"speaker":"Alan Smith","startTime":3001.0,"endTime":3003.58,"body":"Later, there'll be some real"},{"speaker":"Alan Smith","startTime":3001.0,"endTime":3003.58,"body":"practical tips to try to get"},{"speaker":"Alan Smith","startTime":3003.58,"endTime":3006.22,"body":"along to that. And the other"},{"speaker":"Alan Smith","startTime":3003.58,"endTime":3006.22,"body":"event, whilst I'm here to"},{"speaker":"Alan Smith","startTime":3006.22,"endTime":3010.0299999999997,"body":"mention again mentioned that"},{"speaker":"Alan Smith","startTime":3006.22,"endTime":3010.0299999999997,"body":"recently bulletproof"},{"speaker":"Alan Smith","startTime":3010.0299999999997,"endTime":3013.0,"body":"entrepreneur podcast or live"},{"speaker":"Alan Smith","startTime":3010.0299999999997,"endTime":3013.0,"body":"interview with Henry Dimbleby,"},{"speaker":"Alan Smith","startTime":3013.0,"endTime":3016.15,"body":"founder of the Lyon fast food"},{"speaker":"Alan Smith","startTime":3013.0,"endTime":3016.15,"body":"chain sold for over 100 million"},{"speaker":"Alan Smith","startTime":3016.15,"endTime":3019.39,"body":"pounds if you'd like meeting and"},{"speaker":"Alan Smith","startTime":3016.15,"endTime":3019.39,"body":"speaking to sharp entrepreneurs"},{"speaker":"Alan Smith","startTime":3019.39,"endTime":3021.5499999999997,"body":"who had a great, great success"},{"speaker":"Alan Smith","startTime":3019.39,"endTime":3021.5499999999997,"body":"and asking them questions"},{"speaker":"Alan Smith","startTime":3021.5499999999997,"endTime":3025.0899999999997,"body":"directly. also pick up a copy of"},{"speaker":"Alan Smith","startTime":3021.5499999999997,"endTime":3025.0899999999997,"body":"his book, signed, autographed"},{"speaker":"Alan Smith","startTime":3025.0899999999997,"endTime":3029.41,"body":"and come along to homegrown,"},{"speaker":"Alan Smith","startTime":3025.0899999999997,"endTime":3029.41,"body":"Private Member's club on June"},{"speaker":"Alan Smith","startTime":3029.44,"endTime":3033.91,"body":"26. As there's a link in the"},{"speaker":"Alan Smith","startTime":3029.44,"endTime":3033.91,"body":"show notes, and if you are a"},{"speaker":"Alan Smith","startTime":3033.91,"endTime":3037.24,"body":"listener of this podcast, you"},{"speaker":"Alan Smith","startTime":3033.91,"endTime":3037.24,"body":"will get complimentary entry"},{"speaker":"Alan Smith","startTime":3037.24,"endTime":3041.1099999999997,"body":"free entry, save yourself 35"},{"speaker":"Alan Smith","startTime":3037.24,"endTime":3041.1099999999997,"body":"quid, so if you're in town, if"},{"speaker":"Alan Smith","startTime":3041.1099999999997,"endTime":3044.23,"body":"you're an area do come along, I"},{"speaker":"Alan Smith","startTime":3041.1099999999997,"endTime":3044.23,"body":"love to see you. Thank you."},{"speaker":"Nick Lincoln","startTime":3046.239,"endTime":3048.459,"body":"Okay, great stuff."},{"speaker":"Nick Lincoln","startTime":3046.239,"endTime":3048.459,"body":"Thank you, Alan. We did have one"},{"speaker":"Nick Lincoln","startTime":3048.459,"endTime":3050.6189999999997,"body":"more thing left on the typical"},{"speaker":"Nick Lincoln","startTime":3048.459,"endTime":3050.6189999999997,"body":"tibia and Mr. Hartz put in"},{"speaker":"Nick Lincoln","startTime":3050.6189999999997,"endTime":3052.569,"body":"Should we do that next show, so"},{"speaker":"Nick Lincoln","startTime":3050.6189999999997,"endTime":3052.569,"body":"I don't know if we should do"},{"speaker":"Nick Lincoln","startTime":3052.569,"endTime":3056.499,"body":"that or not. This is my, my, my"},{"speaker":"Nick Lincoln","startTime":3052.569,"endTime":3056.499,"body":"chain migration class on an"},{"speaker":"Nick Lincoln","startTime":3056.499,"endTime":3058.149,"body":"advisory basis into one fund."},{"speaker":"Andy Hart","startTime":3058.54,"endTime":3060.73,"body":"It's a big subject,"},{"speaker":"Andy Hart","startTime":3058.54,"endTime":3060.73,"body":"that subject should be subject"},{"speaker":"Andy Hart","startTime":3061.2999999999997,"endTime":3064.06,"body":"thinks enormous, enormous."},{"speaker":"Andy Hart","startTime":3061.2999999999997,"endTime":3064.06,"body":"Everyone, a lot of people are"},{"speaker":"Andy Hart","startTime":3064.06,"endTime":3066.46,"body":"talking about it next gen"},{"speaker":"Andy Hart","startTime":3064.06,"endTime":3066.46,"body":"conference as well. So let's do"},{"speaker":"Andy Hart","startTime":3066.46,"endTime":3068.08,"body":"that a good crack, I think."},{"speaker":"Nick Lincoln","startTime":3068.44,"endTime":3070.0299999999997,"body":"Okay. All right."},{"speaker":"Nick Lincoln","startTime":3068.44,"endTime":3070.0299999999997,"body":"So we'll we'll try that for"},{"speaker":"Nick Lincoln","startTime":3070.0299999999997,"endTime":3072.6099999999997,"body":"Okay. Thank you. Thank you for"},{"speaker":"Nick Lincoln","startTime":3070.0299999999997,"endTime":3072.6099999999997,"body":"the insight there. Okay. Well,"},{"speaker":"Nick Lincoln","startTime":3072.6099999999997,"endTime":3075.85,"body":"in that case, then let's move on"},{"speaker":"Nick Lincoln","startTime":3072.6099999999997,"endTime":3075.85,"body":"to what to what some people may"},{"speaker":"Nick Lincoln","startTime":3075.85,"endTime":3079.7799999999997,"body":"be called During the meat and"},{"speaker":"Nick Lincoln","startTime":3075.85,"endTime":3079.7799999999997,"body":"potatoes of the show, and in the"},{"speaker":"Nick Lincoln","startTime":3079.7799999999997,"endTime":3084.46,"body":"last two episodes, we talked"},{"speaker":"Nick Lincoln","startTime":3079.7799999999997,"endTime":3084.46,"body":"about the prospecting, funnel,"},{"speaker":"Nick Lincoln","startTime":3084.49,"endTime":3087.64,"body":"how you go through that. And"},{"speaker":"Nick Lincoln","startTime":3084.49,"endTime":3087.64,"body":"then once you've got prospects"},{"speaker":"Nick Lincoln","startTime":3087.64,"endTime":3090.85,"body":"into clients, because remember,"},{"speaker":"Nick Lincoln","startTime":3087.64,"endTime":3090.85,"body":"you're betting them, they're not"},{"speaker":"Nick Lincoln","startTime":3090.85,"endTime":3093.91,"body":"betting you, they might think"},{"speaker":"Nick Lincoln","startTime":3090.85,"endTime":3093.91,"body":"they are. That's wrong. Once"},{"speaker":"Nick Lincoln","startTime":3093.91,"endTime":3095.56,"body":"you've got them on board a"},{"speaker":"Nick Lincoln","startTime":3093.91,"endTime":3095.56,"body":"question of the initial planning"},{"speaker":"Nick Lincoln","startTime":3095.56,"endTime":3098.7999999999997,"body":"meeting, which is the dinar"},{"speaker":"Nick Lincoln","startTime":3095.56,"endTime":3098.7999999999997,"body":"moment, and hopefully they buy"},{"speaker":"Nick Lincoln","startTime":3098.7999999999997,"endTime":3101.38,"body":"into it. So you know, you've got"},{"speaker":"Nick Lincoln","startTime":3098.7999999999997,"endTime":3101.38,"body":"these people on board and you"},{"speaker":"Nick Lincoln","startTime":3101.38,"endTime":3103.18,"body":"want to keep them on the ark"},{"speaker":"Nick Lincoln","startTime":3101.38,"endTime":3103.18,"body":"with you, because you've kept"},{"speaker":"Nick Lincoln","startTime":3103.18,"endTime":3106.2999999999997,"body":"the loons away, you've got"},{"speaker":"Nick Lincoln","startTime":3103.18,"endTime":3106.2999999999997,"body":"decent people who share values"},{"speaker":"Nick Lincoln","startTime":3106.2999999999997,"endTime":3110.2,"body":"that are similar to yours. How"},{"speaker":"Nick Lincoln","startTime":3106.2999999999997,"endTime":3110.2,"body":"do you keep them on the straight"},{"speaker":"Nick Lincoln","startTime":3110.2,"endTime":3113.3199999999997,"body":"and narrow? And what is your"},{"speaker":"Nick Lincoln","startTime":3110.2,"endTime":3113.3199999999997,"body":"ongoing communication strategy?"},{"speaker":"Nick Lincoln","startTime":3113.3199999999997,"endTime":3114.25,"body":"So Mr. Hart?"},{"speaker":"Andy Hart","startTime":3116.049,"endTime":3119.259,"body":"Yeah, so our"},{"speaker":"Andy Hart","startTime":3116.049,"endTime":3119.259,"body":"financial planning overlord and"},{"speaker":"Andy Hart","startTime":3119.259,"endTime":3123.519,"body":"trainer, Nick Murray, who we"},{"speaker":"Andy Hart","startTime":3119.259,"endTime":3123.519,"body":"roll on that out in the morning"},{"speaker":"Andy Hart","startTime":3123.549,"endTime":3128.679,"body":"facing Brooklyn, talks about"},{"speaker":"Andy Hart","startTime":3123.549,"endTime":3128.679,"body":"this as continuing to, you know,"},{"speaker":"Andy Hart","startTime":3128.859,"endTime":3133.179,"body":"top up your clients, vitamin C,"},{"speaker":"Andy Hart","startTime":3128.859,"endTime":3133.179,"body":"the human body cannot retain"},{"speaker":"Andy Hart","startTime":3133.179,"endTime":3136.269,"body":"vitamin C, you can sit down with"},{"speaker":"Andy Hart","startTime":3133.179,"endTime":3136.269,"body":"the client and explain global"},{"speaker":"Andy Hart","startTime":3136.269,"endTime":3138.999,"body":"equities, portfolios, asset"},{"speaker":"Andy Hart","startTime":3136.269,"endTime":3138.999,"body":"allocation, you know, for two,"},{"speaker":"Andy Hart","startTime":3138.999,"endTime":3142.149,"body":"three hours, the moment they"},{"speaker":"Andy Hart","startTime":3138.999,"endTime":3142.149,"body":"leave the office, leave the Zoom"},{"speaker":"Andy Hart","startTime":3142.149,"endTime":3145.3289999999997,"body":"call, you know, a month later,"},{"speaker":"Andy Hart","startTime":3142.149,"endTime":3145.3289999999997,"body":"three months later, they're"},{"speaker":"Andy Hart","startTime":3145.3289999999997,"endTime":3147.429,"body":"gonna throw grenades into your"},{"speaker":"Andy Hart","startTime":3145.3289999999997,"endTime":3147.429,"body":"business about something that's"},{"speaker":"Andy Hart","startTime":3147.429,"endTime":3150.429,"body":"happened, it's outside of your"},{"speaker":"Andy Hart","startTime":3147.429,"endTime":3150.429,"body":"control. So it's just the wider"},{"speaker":"Andy Hart","startTime":3150.429,"endTime":3153.009,"body":"concept. We've spoken about the"},{"speaker":"Andy Hart","startTime":3150.429,"endTime":3153.009,"body":"initial stages with clients the"},{"speaker":"Andy Hart","startTime":3153.009,"endTime":3155.5589999999997,"body":"welcome meeting, now it's a case"},{"speaker":"Andy Hart","startTime":3153.009,"endTime":3155.5589999999997,"body":"of what do you do now? Well, I"},{"speaker":"Andy Hart","startTime":3155.5589999999997,"endTime":3160.3289999999997,"body":"immediately nuts and bolts, I"},{"speaker":"Andy Hart","startTime":3155.5589999999997,"endTime":3160.3289999999997,"body":"put them onto my ConvertKit,"},{"speaker":"Andy Hart","startTime":3160.359,"endTime":3164.259,"body":"email subscription service. So"},{"speaker":"Andy Hart","startTime":3160.359,"endTime":3164.259,"body":"they're gonna get monthly emails"},{"speaker":"Andy Hart","startTime":3164.259,"endTime":3167.5589999999997,"body":"newsletters from me that have"},{"speaker":"Andy Hart","startTime":3164.259,"endTime":3167.5589999999997,"body":"got various things in it just a,"},{"speaker":"Andy Hart","startTime":3167.649,"endTime":3171.459,"body":"you know, a monthly touch point."},{"speaker":"Andy Hart","startTime":3167.649,"endTime":3171.459,"body":"Social media, you don't know"},{"speaker":"Andy Hart","startTime":3171.459,"endTime":3173.589,"body":"who's following you on social"},{"speaker":"Andy Hart","startTime":3171.459,"endTime":3173.589,"body":"media, you don't know what"},{"speaker":"Andy Hart","startTime":3173.589,"endTime":3175.719,"body":"clients are following you on"},{"speaker":"Andy Hart","startTime":3173.589,"endTime":3175.719,"body":"social media, you should just"},{"speaker":"Andy Hart","startTime":3175.719,"endTime":3179.379,"body":"assume that all of them are. And"},{"speaker":"Andy Hart","startTime":3175.719,"endTime":3179.379,"body":"your persona should be as you"},{"speaker":"Andy Hart","startTime":3179.379,"endTime":3184.1189999999997,"body":"wish it to be. So I'm quite"},{"speaker":"Andy Hart","startTime":3179.379,"endTime":3184.1189999999997,"body":"public on LinkedIn, quite public"},{"speaker":"Andy Hart","startTime":3184.1189999999997,"endTime":3188.739,"body":"on Twitter, not very public on"},{"speaker":"Andy Hart","startTime":3184.1189999999997,"endTime":3188.739,"body":"Instagram, I run Maven money"},{"speaker":"Andy Hart","startTime":3188.739,"endTime":3191.439,"body":"podcast, that's probably my"},{"speaker":"Andy Hart","startTime":3188.739,"endTime":3191.439,"body":"biggest marketing channel. And"},{"speaker":"Andy Hart","startTime":3191.439,"endTime":3195.0989999999997,"body":"again, that's quite good because"},{"speaker":"Andy Hart","startTime":3191.439,"endTime":3195.0989999999997,"body":"I can divert or direct existing"},{"speaker":"Andy Hart","startTime":3195.0989999999997,"endTime":3197.859,"body":"clients, new clients, potential"},{"speaker":"Andy Hart","startTime":3195.0989999999997,"endTime":3197.859,"body":"clients to various shows that I"},{"speaker":"Andy Hart","startTime":3197.859,"endTime":3201.5789999999997,"body":"think will be useful and"},{"speaker":"Andy Hart","startTime":3197.859,"endTime":3201.5789999999997,"body":"impactful for them. It's all"},{"speaker":"Andy Hart","startTime":3201.5789999999997,"endTime":3203.979,"body":"that sort of general social"},{"speaker":"Andy Hart","startTime":3201.5789999999997,"endTime":3203.979,"body":"proof, isn't it with ongoing"},{"speaker":"Andy Hart","startTime":3203.979,"endTime":3208.239,"body":"marketing, I check collateral"},{"speaker":"Andy Hart","startTime":3203.979,"endTime":3208.239,"body":"every so often, I send sort of"},{"speaker":"Andy Hart","startTime":3208.629,"endTime":3211.1189999999997,"body":"bulletins if something really"},{"speaker":"Andy Hart","startTime":3208.629,"endTime":3211.1189999999997,"body":"important is to happen to"},{"speaker":"Andy Hart","startTime":3211.1189999999997,"endTime":3213.429,"body":"happening in the world. But I"},{"speaker":"Andy Hart","startTime":3211.1189999999997,"endTime":3213.429,"body":"generally don't do that, that"},{"speaker":"Andy Hart","startTime":3213.429,"endTime":3216.219,"body":"often. It's the whole don't"},{"speaker":"Andy Hart","startTime":3213.429,"endTime":3216.219,"body":"panic, well, I wasn't panicking."},{"speaker":"Andy Hart","startTime":3216.219,"endTime":3219.459,"body":"And so he told me not to panic"},{"speaker":"Andy Hart","startTime":3216.219,"endTime":3219.459,"body":"type email. I did quite a lot in"},{"speaker":"Andy Hart","startTime":3219.459,"endTime":3223.959,"body":"COVID. So that's it, really the"},{"speaker":"Andy Hart","startTime":3219.459,"endTime":3223.959,"body":"whole social proof conversation."},{"speaker":"Andy Hart","startTime":3224.409,"endTime":3227.5589999999997,"body":"And this is an example of it. So"},{"speaker":"Andy Hart","startTime":3224.409,"endTime":3227.5589999999997,"body":"yeah, some of our clients listen"},{"speaker":"Andy Hart","startTime":3227.5589999999997,"endTime":3232.089,"body":"to this. I also sort of focused"},{"speaker":"Andy Hart","startTime":3227.5589999999997,"endTime":3232.089,"body":"on financial advisors or clients"},{"speaker":"Andy Hart","startTime":3232.089,"endTime":3234.339,"body":"through the other businesses"},{"speaker":"Andy Hart","startTime":3232.089,"endTime":3234.339,"body":"that I run. So again, I do"},{"speaker":"Andy Hart","startTime":3234.339,"endTime":3238.209,"body":"various marketing in that space."},{"speaker":"Andy Hart","startTime":3234.339,"endTime":3238.209,"body":"So yeah, I'm just opening it up"},{"speaker":"Andy Hart","startTime":3238.209,"endTime":3241.899,"body":"the next stage, once they're"},{"speaker":"Andy Hart","startTime":3238.209,"endTime":3241.899,"body":"onboard, they're welcomed. How"},{"speaker":"Andy Hart","startTime":3241.899,"endTime":3246.159,"body":"then do we continue to top up"},{"speaker":"Andy Hart","startTime":3241.899,"endTime":3246.159,"body":"their victim and see have touch"},{"speaker":"Andy Hart","startTime":3246.159,"endTime":3249.759,"body":"points? What channels do we use?"},{"speaker":"Andy Hart","startTime":3246.159,"endTime":3249.759,"body":"What channels do we not use?"},{"speaker":"Andy Hart","startTime":3250.689,"endTime":3254.529,"body":"I'll start with you, Nicholas,"},{"speaker":"Andy Hart","startTime":3250.689,"endTime":3254.529,"body":"or lick. Sorry, over to you."},{"speaker":"Nick Lincoln","startTime":3255.909,"endTime":3258.129,"body":"Thank you. Thank"},{"speaker":"Nick Lincoln","startTime":3255.909,"endTime":3258.129,"body":"you. I'll trick aberdaron Thank"},{"speaker":"Nick Lincoln","startTime":3258.129,"endTime":3262.629,"body":"you for that. So I'm yeah I'm"},{"speaker":"Nick Lincoln","startTime":3258.129,"endTime":3262.629,"body":"I'm like you I think less is"},{"speaker":"Nick Lincoln","startTime":3262.629,"endTime":3264.759,"body":"more with with client"},{"speaker":"Nick Lincoln","startTime":3262.629,"endTime":3264.759,"body":"communications. You don't you"},{"speaker":"Nick Lincoln","startTime":3264.759,"endTime":3267.759,"body":"don't want to del use them with"},{"speaker":"Nick Lincoln","startTime":3264.759,"endTime":3267.759,"body":"with stuff because it's like a"},{"speaker":"Nick Lincoln","startTime":3267.7889999999998,"endTime":3269.8889999999997,"body":"god or something else to have me"},{"speaker":"Nick Lincoln","startTime":3267.7889999999998,"endTime":3269.8889999999997,"body":"to think about maybe to worry"},{"speaker":"Nick Lincoln","startTime":3269.8889999999997,"endTime":3272.499,"body":"about. But I do have believe or"},{"speaker":"Nick Lincoln","startTime":3269.8889999999997,"endTime":3272.499,"body":"not. And you the three of you"},{"speaker":"Nick Lincoln","startTime":3272.499,"endTime":3274.749,"body":"might change because I do have"},{"speaker":"Nick Lincoln","startTime":3272.499,"endTime":3274.749,"body":"kind of an overarching strategy"},{"speaker":"Nick Lincoln","startTime":3274.749,"endTime":3277.629,"body":"with clients. So I do this"},{"speaker":"Nick Lincoln","startTime":3274.749,"endTime":3277.629,"body":"quarterly newsletter, I'm not"},{"speaker":"Nick Lincoln","startTime":3277.629,"endTime":3279.939,"body":"sure who reads I write him off"},{"speaker":"Nick Lincoln","startTime":3277.629,"endTime":3279.939,"body":"my own benefit. And it's quite"},{"speaker":"Nick Lincoln","startTime":3279.939,"endTime":3284.049,"body":"long and wordy. But that just"},{"speaker":"Nick Lincoln","startTime":3279.939,"endTime":3284.049,"body":"gets my name in their inbox. I"},{"speaker":"Nick Lincoln","startTime":3284.049,"endTime":3287.169,"body":"do the does send that thing."},{"speaker":"Nick Lincoln","startTime":3284.049,"endTime":3287.169,"body":"Maybe I don't do Christmas cards"},{"speaker":"Nick Lincoln","startTime":3287.169,"endTime":3289.359,"body":"and everything. But I do"},{"speaker":"Nick Lincoln","startTime":3287.169,"endTime":3289.359,"body":"physical handwritten birthday"},{"speaker":"Nick Lincoln","startTime":3289.359,"endTime":3292.3889999999997,"body":"cards for my clients. Okay, and"},{"speaker":"Nick Lincoln","startTime":3289.359,"endTime":3292.3889999999997,"body":"you know, just from me, blah,"},{"speaker":"Nick Lincoln","startTime":3292.3889999999997,"endTime":3294.489,"body":"blah, blah. And by the way,"},{"speaker":"Nick Lincoln","startTime":3292.3889999999997,"endTime":3294.489,"body":"since, since the year of your"},{"speaker":"Nick Lincoln","startTime":3294.489,"endTime":3297.879,"body":"birth, UK inflation has been XML"},{"speaker":"Nick Lincoln","startTime":3294.489,"endTime":3297.879,"body":"if it comes to the UK return Y"},{"speaker":"Nick Lincoln","startTime":3297.879,"endTime":3300.129,"body":"amount, capturing that"},{"speaker":"Nick Lincoln","startTime":3297.879,"endTime":3300.129,"body":"differences, financial"},{"speaker":"Nick Lincoln","startTime":3300.129,"endTime":3303.339,"body":"salvation, I've got a little"},{"speaker":"Nick Lincoln","startTime":3300.129,"endTime":3303.339,"body":"card I put in there. And this is"},{"speaker":"Nick Lincoln","startTime":3303.339,"endTime":3306.8489999999997,"body":"the thing I want to get. My"},{"speaker":"Nick Lincoln","startTime":3303.339,"endTime":3306.8489999999997,"body":"segment here is consistency of"},{"speaker":"Nick Lincoln","startTime":3306.8489999999997,"endTime":3309.5789999999997,"body":"language is consistency of"},{"speaker":"Nick Lincoln","startTime":3306.8489999999997,"endTime":3309.5789999999997,"body":"message that whenever you do"},{"speaker":"Nick Lincoln","startTime":3309.5789999999997,"endTime":3313.1189999999997,"body":"touch your clients with"},{"speaker":"Nick Lincoln","startTime":3309.5789999999997,"endTime":3313.1189999999997,"body":"communications, and and the"},{"speaker":"Nick Lincoln","startTime":3313.1189999999997,"endTime":3315.729,"body":"point you made earlier about"},{"speaker":"Nick Lincoln","startTime":3313.1189999999997,"endTime":3315.729,"body":"your review, your best review"},{"speaker":"Nick Lincoln","startTime":3315.729,"endTime":3317.589,"body":"was your worst review because"},{"speaker":"Nick Lincoln","startTime":3315.729,"endTime":3317.589,"body":"all he does is bang on about the"},{"speaker":"Nick Lincoln","startTime":3317.589,"endTime":3320.5589999999997,"body":"same old bloody stuff. Yeah. In"},{"speaker":"Nick Lincoln","startTime":3317.589,"endTime":3320.5589999999997,"body":"all your client communications,"},{"speaker":"Nick Lincoln","startTime":3320.5589999999997,"endTime":3323.649,"body":"make sure you bang on about the"},{"speaker":"Nick Lincoln","startTime":3320.5589999999997,"endTime":3323.649,"body":"same bloody stuff in the same"},{"speaker":"Nick Lincoln","startTime":3323.649,"endTime":3326.409,"body":"language you used in the"},{"speaker":"Nick Lincoln","startTime":3323.649,"endTime":3326.409,"body":"prospective meeting the same"},{"speaker":"Nick Lincoln","startTime":3326.409,"endTime":3330.279,"body":"language you used in the initial"},{"speaker":"Nick Lincoln","startTime":3326.409,"endTime":3330.279,"body":"planning meeting. Just"},{"speaker":"Nick Lincoln","startTime":3330.279,"endTime":3333.6389999999997,"body":"consistency consistency. So of"},{"speaker":"Nick Lincoln","startTime":3330.279,"endTime":3333.6389999999997,"body":"try and avoid using the word"},{"speaker":"Nick Lincoln","startTime":3333.6389999999997,"endTime":3338.049,"body":"stock market. Try and avoid"},{"speaker":"Nick Lincoln","startTime":3333.6389999999997,"endTime":3338.049,"body":"words like loss. Really try and"},{"speaker":"Nick Lincoln","startTime":3338.049,"endTime":3340.8089999999997,"body":"avoid technical words even like"},{"speaker":"Nick Lincoln","startTime":3338.049,"endTime":3340.8089999999997,"body":"personal pension, it's a free"},{"speaker":"Nick Lincoln","startTime":3340.8089999999997,"endTime":3344.109,"body":"money growth pot. You know, the"},{"speaker":"Nick Lincoln","startTime":3340.8089999999997,"endTime":3344.109,"body":"ICER is a tax free growth pot."},{"speaker":"Nick Lincoln","startTime":3344.439,"endTime":3347.3489999999997,"body":"You know, and the GIC growth"},{"speaker":"Nick Lincoln","startTime":3344.439,"endTime":3347.3489999999997,"body":"pot, right? Don't use we don't"},{"speaker":"Nick Lincoln","startTime":3347.3489999999997,"endTime":3351.189,"body":"have to use these technical. We"},{"speaker":"Nick Lincoln","startTime":3347.3489999999997,"endTime":3351.189,"body":"were blessed we got the English"},{"speaker":"Nick Lincoln","startTime":3351.189,"endTime":3352.779,"body":"language, but it's the most"},{"speaker":"Nick Lincoln","startTime":3351.189,"endTime":3352.779,"body":"beautiful language in the world"},{"speaker":"Nick Lincoln","startTime":3352.779,"endTime":3355.929,"body":"the most fluid, we can use"},{"speaker":"Nick Lincoln","startTime":3352.779,"endTime":3355.929,"body":"whatever words we want to convey"},{"speaker":"Nick Lincoln","startTime":3355.929,"endTime":3357.759,"body":"our measures that we're"},{"speaker":"Nick Lincoln","startTime":3355.929,"endTime":3357.759,"body":"comfortable, we don't have to"},{"speaker":"Nick Lincoln","startTime":3357.759,"endTime":3362.259,"body":"use the technical jargon that's"},{"speaker":"Nick Lincoln","startTime":3357.759,"endTime":3362.259,"body":"on the statute, but we must"},{"speaker":"Nick Lincoln","startTime":3362.259,"endTime":3364.359,"body":"refer to that in their"},{"speaker":"Nick Lincoln","startTime":3362.259,"endTime":3364.359,"body":"instability lessons. So well"},{"speaker":"Nick Lincoln","startTime":3364.359,"endTime":3365.799,"body":"that's fine, but when we're"},{"speaker":"Nick Lincoln","startTime":3364.359,"endTime":3365.799,"body":"communicating with clients,"},{"speaker":"Nick Lincoln","startTime":3365.799,"endTime":3368.469,"body":"remember they don't know what"},{"speaker":"Nick Lincoln","startTime":3365.799,"endTime":3368.469,"body":"they really don't have a clue"},{"speaker":"Nick Lincoln","startTime":3368.469,"endTime":3371.649,"body":"what we're talking about most of"},{"speaker":"Nick Lincoln","startTime":3368.469,"endTime":3371.649,"body":"the time and, and using arcane"},{"speaker":"Nick Lincoln","startTime":3371.649,"endTime":3373.3889999999997,"body":"acronyms and other stuff in"},{"speaker":"Nick Lincoln","startTime":3371.649,"endTime":3373.3889999999997,"body":"front of them I think is a"},{"speaker":"Nick Lincoln","startTime":3373.3889999999997,"endTime":3375.729,"body":"crime. So just use whatever"},{"speaker":"Nick Lincoln","startTime":3373.3889999999997,"endTime":3375.729,"body":"language you you feel most"},{"speaker":"Nick Lincoln","startTime":3375.729,"endTime":3378.159,"body":"comfortable To convey your"},{"speaker":"Nick Lincoln","startTime":3375.729,"endTime":3378.159,"body":"message, and then just make sure"},{"speaker":"Nick Lincoln","startTime":3378.189,"endTime":3381.339,"body":"you're consistent with all that,"},{"speaker":"Nick Lincoln","startTime":3378.189,"endTime":3381.339,"body":"again, it's the vitamin C, the"},{"speaker":"Nick Lincoln","startTime":3381.339,"endTime":3383.6189999999997,"body":"vitamin D, what have you,"},{"speaker":"Nick Lincoln","startTime":3381.339,"endTime":3383.6189999999997,"body":"repetition is the mother of all"},{"speaker":"Nick Lincoln","startTime":3383.6189999999997,"endTime":3387.0989999999997,"body":"learning. So I have a light"},{"speaker":"Nick Lincoln","startTime":3383.6189999999997,"endTime":3387.0989999999997,"body":"touch contact point in my"},{"speaker":"Nick Lincoln","startTime":3387.0989999999997,"endTime":3389.859,"body":"clients, I know, you will use it"},{"speaker":"Nick Lincoln","startTime":3387.0989999999997,"endTime":3389.859,"body":"again, mainly American studies"},{"speaker":"Nick Lincoln","startTime":3389.859,"endTime":3392.109,"body":"say you should be touching"},{"speaker":"Nick Lincoln","startTime":3389.859,"endTime":3392.109,"body":"clients with communications,"},{"speaker":"Nick Lincoln","startTime":3392.799,"endTime":3395.859,"body":"eight, nine times a year, I got"},{"speaker":"Nick Lincoln","startTime":3392.799,"endTime":3395.859,"body":"notes, when they get these"},{"speaker":"Nick Lincoln","startTime":3395.859,"endTime":3399.069,"body":"figures from I don't really do"},{"speaker":"Nick Lincoln","startTime":3395.859,"endTime":3399.069,"body":"that outside of the annual"},{"speaker":"Nick Lincoln","startTime":3399.069,"endTime":3401.169,"body":"planning meeting. And of course,"},{"speaker":"Nick Lincoln","startTime":3399.069,"endTime":3401.169,"body":"round that there's a lot of"},{"speaker":"Nick Lincoln","startTime":3401.199,"endTime":3403.719,"body":"communications can go back and"},{"speaker":"Nick Lincoln","startTime":3401.199,"endTime":3403.719,"body":"forth with data and updating and"},{"speaker":"Nick Lincoln","startTime":3403.719,"endTime":3408.219,"body":"so forth. But whatever you're"},{"speaker":"Nick Lincoln","startTime":3403.719,"endTime":3408.219,"body":"doing consistency of language,"},{"speaker":"Nick Lincoln","startTime":3408.219,"endTime":3412.479,"body":"consistency, consistency,"},{"speaker":"Nick Lincoln","startTime":3408.219,"endTime":3412.479,"body":"consistency. Mr. Smith"},{"speaker":"Alan Smith","startTime":3415.569,"endTime":3418.209,"body":"just got a couple of"},{"speaker":"Alan Smith","startTime":3415.569,"endTime":3418.209,"body":"points to add interested, there"},{"speaker":"Alan Smith","startTime":3418.209,"endTime":3420.729,"body":"was a I think I'll put a link to"},{"speaker":"Alan Smith","startTime":3418.209,"endTime":3420.729,"body":"this in the show notes. There"},{"speaker":"Alan Smith","startTime":3420.729,"endTime":3426.0989999999997,"body":"was a an article online, I read"},{"speaker":"Alan Smith","startTime":3420.729,"endTime":3426.0989999999997,"body":"the other day advisor voice and"},{"speaker":"Alan Smith","startTime":3426.0989999999997,"endTime":3430.719,"body":"it was referring to a study"},{"speaker":"Alan Smith","startTime":3426.0989999999997,"endTime":3430.719,"body":"spectrum group and who they are"},{"speaker":"Alan Smith","startTime":3430.719,"endTime":3433.689,"body":"but another company who will do"},{"speaker":"Alan Smith","startTime":3430.719,"endTime":3433.689,"body":"sort of financial advisor and"},{"speaker":"Alan Smith","startTime":3433.689,"endTime":3436.8089999999997,"body":"financial advisor client"},{"speaker":"Alan Smith","startTime":3433.689,"endTime":3436.8089999999997,"body":"studies. And they cited the top"},{"speaker":"Alan Smith","startTime":3436.8089999999997,"endTime":3440.949,"body":"four reasons for a client"},{"speaker":"Alan Smith","startTime":3436.8089999999997,"endTime":3440.949,"body":"leaving an advisor. And three of"},{"speaker":"Alan Smith","startTime":3440.949,"endTime":3443.979,"body":"the four most highly cited"},{"speaker":"Alan Smith","startTime":3440.949,"endTime":3443.979,"body":"reasons were communication"},{"speaker":"Alan Smith","startTime":3444.219,"endTime":3448.419,"body":"related things like I never hear"},{"speaker":"Alan Smith","startTime":3444.219,"endTime":3448.419,"body":"from him. I met someone the"},{"speaker":"Alan Smith","startTime":3448.419,"endTime":3452.0789999999997,"body":"other day prospective new client"},{"speaker":"Alan Smith","startTime":3448.419,"endTime":3452.0789999999997,"body":"became a became a client is"},{"speaker":"Alan Smith","startTime":3452.0789999999997,"endTime":3455.649,"body":"currently with another firm"},{"speaker":"Alan Smith","startTime":3452.0789999999997,"endTime":3455.649,"body":"elsewhere and said I never hear"},{"speaker":"Alan Smith","startTime":3455.649,"endTime":3458.709,"body":"from them. never hear from them."},{"speaker":"Alan Smith","startTime":3455.649,"endTime":3458.709,"body":"Not a Dicky bird markets up"},{"speaker":"Alan Smith","startTime":3458.709,"endTime":3462.279,"body":"markets down anything going on."},{"speaker":"Alan Smith","startTime":3458.709,"endTime":3462.279,"body":"No communication whatsoever. And"},{"speaker":"Alan Smith","startTime":3462.279,"endTime":3464.769,"body":"is there I know, you said I"},{"speaker":"Alan Smith","startTime":3462.279,"endTime":3464.769,"body":"don't even meet them with them."},{"speaker":"Alan Smith","startTime":3464.769,"endTime":3466.629,"body":"Are you supposed to meet them at"},{"speaker":"Alan Smith","startTime":3464.769,"endTime":3466.629,"body":"least once a year? Because well,"},{"speaker":"Alan Smith","startTime":3466.629,"endTime":3468.969,"body":"maybe I've been a bit busy. So"},{"speaker":"Alan Smith","startTime":3466.629,"endTime":3468.969,"body":"you can go sometimes people go"},{"speaker":"Alan Smith","startTime":3468.969,"endTime":3471.0989999999997,"body":"for several years without any"},{"speaker":"Alan Smith","startTime":3468.969,"endTime":3471.0989999999997,"body":"communication from clients,"},{"speaker":"Alan Smith","startTime":3471.0989999999997,"endTime":3473.799,"body":"which is nuts. I think. I think"},{"speaker":"Alan Smith","startTime":3471.0989999999997,"endTime":3473.799,"body":"you're right, I think"},{"speaker":"Alan Smith","startTime":3473.799,"endTime":3476.679,"body":"dimensional, have cited this in"},{"speaker":"Alan Smith","startTime":3473.799,"endTime":3476.679,"body":"the past, if you've got one"},{"speaker":"Alan Smith","startTime":3476.679,"endTime":3479.919,"body":"annual planning meetings, you've"},{"speaker":"Alan Smith","startTime":3476.679,"endTime":3479.919,"body":"got you, the client gets the"},{"speaker":"Alan Smith","startTime":3479.949,"endTime":3482.649,"body":"injection of the serum of the"},{"speaker":"Alan Smith","startTime":3479.949,"endTime":3482.649,"body":"truth serum about the you know,"},{"speaker":"Alan Smith","startTime":3482.649,"endTime":3485.409,"body":"the real benefits of financial"},{"speaker":"Alan Smith","startTime":3482.649,"endTime":3485.409,"body":"planning sensible investment"},{"speaker":"Alan Smith","startTime":3485.409,"endTime":3489.129,"body":"gets up once a year, he's got"},{"speaker":"Alan Smith","startTime":3485.409,"endTime":3489.129,"body":"364 days of getting media noise,"},{"speaker":"Alan Smith","startTime":3489.129,"endTime":3493.209,"body":"which is the antithesis when we"},{"speaker":"Alan Smith","startTime":3489.129,"endTime":3493.209,"body":"say so the pick it up."},{"speaker":"Alan Smith","startTime":3494.499,"endTime":3497.679,"body":"Interesting, Andy, you just in"},{"speaker":"Alan Smith","startTime":3494.499,"endTime":3497.679,"body":"terms of a technical aspect"},{"speaker":"Alan Smith","startTime":3497.679,"endTime":3501.339,"body":"ConvertKit. We've just moved to"},{"speaker":"Alan Smith","startTime":3497.679,"endTime":3501.339,"body":"ConvertKit from mailer light,"},{"speaker":"Alan Smith","startTime":3501.3689999999997,"endTime":3504.189,"body":"find it better, more"},{"speaker":"Alan Smith","startTime":3501.3689999999997,"endTime":3504.189,"body":"comprehensive, better for"},{"speaker":"Alan Smith","startTime":3504.189,"endTime":3507.819,"body":"tracking our data and"},{"speaker":"Alan Smith","startTime":3504.189,"endTime":3507.819,"body":"everything. So we send a monthly"},{"speaker":"Alan Smith","startTime":3508.179,"endTime":3511.359,"body":"client newsletter to existing"},{"speaker":"Alan Smith","startTime":3508.179,"endTime":3511.359,"body":"clients generally got three"},{"speaker":"Alan Smith","startTime":3511.3889999999997,"endTime":3514.989,"body":"articles in a monthly basis."},{"speaker":"Alan Smith","startTime":3511.3889999999997,"endTime":3514.989,"body":"Increasingly, my colleagues are"},{"speaker":"Alan Smith","startTime":3514.989,"endTime":3520.209,"body":"writing articles as well, which"},{"speaker":"Alan Smith","startTime":3514.989,"endTime":3520.209,"body":"is great. We are using a little"},{"speaker":"Alan Smith","startTime":3520.209,"endTime":3522.999,"body":"bit sometimes spice it up a"},{"speaker":"Alan Smith","startTime":3520.209,"endTime":3522.999,"body":"little bit with chat GPT write"},{"speaker":"Alan Smith","startTime":3522.999,"endTime":3525.429,"body":"an article and put it into chat"},{"speaker":"Alan Smith","startTime":3522.999,"endTime":3525.429,"body":"GBT and just say to make this"},{"speaker":"Alan Smith","startTime":3525.429,"endTime":3528.159,"body":"more, you know, more"},{"speaker":"Alan Smith","startTime":3525.429,"endTime":3528.159,"body":"interesting, more specific use,"},{"speaker":"Alan Smith","startTime":3528.729,"endTime":3531.3089999999997,"body":"or appealing use, you know,"},{"speaker":"Alan Smith","startTime":3528.729,"endTime":3531.3089999999997,"body":"things like that the subject"},{"speaker":"Alan Smith","startTime":3531.3089999999997,"endTime":3533.409,"body":"line is often you know, that's"},{"speaker":"Alan Smith","startTime":3531.3089999999997,"endTime":3533.409,"body":"where if you don't people,"},{"speaker":"Alan Smith","startTime":3533.409,"endTime":3536.0789999999997,"body":"people who don't read it, don't"},{"speaker":"Alan Smith","startTime":3533.409,"endTime":3536.0789999999997,"body":"open it, then you've wasted your"},{"speaker":"Alan Smith","startTime":3536.0789999999997,"endTime":3538.179,"body":"time. So just spending a lot of"},{"speaker":"Alan Smith","startTime":3536.0789999999997,"endTime":3538.179,"body":"time working out with the"},{"speaker":"Alan Smith","startTime":3538.179,"endTime":3541.5389999999998,"body":"subject line is going to attract"},{"speaker":"Alan Smith","startTime":3538.179,"endTime":3541.5389999999998,"body":"attention, I think is important."},{"speaker":"Alan Smith","startTime":3542.649,"endTime":3544.899,"body":"And the other thing, I just as a"},{"speaker":"Alan Smith","startTime":3542.649,"endTime":3544.899,"body":"last point, I'll say is this"},{"speaker":"Alan Smith","startTime":3544.929,"endTime":3548.919,"body":"social media like eye candy,"},{"speaker":"Alan Smith","startTime":3544.929,"endTime":3548.919,"body":"I've been active on social media"},{"speaker":"Alan Smith","startTime":3548.919,"endTime":3553.659,"body":"now more proactive for probably"},{"speaker":"Alan Smith","startTime":3548.919,"endTime":3553.659,"body":"18 months now. In terms of new"},{"speaker":"Alan Smith","startTime":3553.659,"endTime":3557.259,"body":"business, it is now as fast"},{"speaker":"Alan Smith","startTime":3553.659,"endTime":3557.259,"body":"become our single biggest source"},{"speaker":"Alan Smith","startTime":3557.859,"endTime":3561.669,"body":"of new business inquiries or new"},{"speaker":"Alan Smith","startTime":3557.859,"endTime":3561.669,"body":"new clients. And it is a bit of"},{"speaker":"Alan Smith","startTime":3561.669,"endTime":3564.8489999999997,"body":"an ecosystem. It is LinkedIn,"},{"speaker":"Alan Smith","startTime":3561.669,"endTime":3564.8489999999997,"body":"Twitter, and podcasting. And"},{"speaker":"Alan Smith","startTime":3564.8489999999997,"endTime":3567.339,"body":"people sort of find you in one"},{"speaker":"Alan Smith","startTime":3564.8489999999997,"endTime":3567.339,"body":"place, then he can track you"},{"speaker":"Alan Smith","startTime":3567.339,"endTime":3570.069,"body":"down somewhere else. And before"},{"speaker":"Alan Smith","startTime":3567.339,"endTime":3570.069,"body":"they know it, they kind of get a"},{"speaker":"Alan Smith","startTime":3570.069,"endTime":3573.159,"body":"good sense of what you stand for"},{"speaker":"Alan Smith","startTime":3570.069,"endTime":3573.159,"body":"what your values are. And I"},{"speaker":"Alan Smith","startTime":3573.159,"endTime":3575.799,"body":"guess a lot of people say, Well,"},{"speaker":"Alan Smith","startTime":3573.159,"endTime":3575.799,"body":"I'm not remotely interested in"},{"speaker":"Alan Smith","startTime":3575.859,"endTime":3578.919,"body":"hiring them. Wonderful. And"},{"speaker":"Alan Smith","startTime":3575.859,"endTime":3578.919,"body":"those that are but the other"},{"speaker":"Alan Smith","startTime":3578.919,"endTime":3582.249,"body":"thing is quite interesting is"},{"speaker":"Alan Smith","startTime":3578.919,"endTime":3582.249,"body":"that are quite a few of our, our"},{"speaker":"Alan Smith","startTime":3582.249,"endTime":3585.759,"body":"existing clients do like follow"},{"speaker":"Alan Smith","startTime":3582.249,"endTime":3585.759,"body":"me on LinkedIn, for example. And"},{"speaker":"Alan Smith","startTime":3585.759,"endTime":3587.8289999999997,"body":"sometimes the messaging that you"},{"speaker":"Alan Smith","startTime":3585.759,"endTime":3587.8289999999997,"body":"put out, you got to be a little"},{"speaker":"Alan Smith","startTime":3587.8289999999997,"endTime":3591.429,"body":"bit, let's see, careful, but"},{"speaker":"Alan Smith","startTime":3587.8289999999997,"endTime":3591.429,"body":"just be alive to what some of"},{"speaker":"Alan Smith","startTime":3591.429,"endTime":3594.069,"body":"the messages are. Because for"},{"speaker":"Alan Smith","startTime":3591.429,"endTime":3594.069,"body":"example, I'm like the rest of"},{"speaker":"Alan Smith","startTime":3594.069,"endTime":3596.199,"body":"us. I'm banging on all the time"},{"speaker":"Alan Smith","startTime":3594.069,"endTime":3596.199,"body":"about investing in global"},{"speaker":"Alan Smith","startTime":3596.199,"endTime":3598.659,"body":"equities, investing in the great"},{"speaker":"Alan Smith","startTime":3596.199,"endTime":3598.659,"body":"companies of the world. But of"},{"speaker":"Alan Smith","startTime":3598.659,"endTime":3601.929,"body":"course not all of our clients"},{"speaker":"Alan Smith","startTime":3598.659,"endTime":3601.929,"body":"are 100% invested in equities."},{"speaker":"Alan Smith","startTime":3602.469,"endTime":3604.479,"body":"So now and again, you'll get"},{"speaker":"Alan Smith","startTime":3602.469,"endTime":3604.479,"body":"somebody who reads something"},{"speaker":"Alan Smith","startTime":3604.479,"endTime":3607.8689999999997,"body":"because hang on a minute, why am"},{"speaker":"Alan Smith","startTime":3604.479,"endTime":3607.8689999999997,"body":"I in a 6040? You said that"},{"speaker":"Alan Smith","startTime":3607.8689999999997,"endTime":3609.939,"body":"equity isn't the place to be. So"},{"speaker":"Alan Smith","startTime":3607.8689999999997,"endTime":3609.939,"body":"they go back and have a chat"},{"speaker":"Alan Smith","startTime":3609.939,"endTime":3612.6389999999997,"body":"with one of my colleagues as an"},{"speaker":"Alan Smith","startTime":3609.939,"endTime":3612.6389999999997,"body":"advisor. This happened recently,"},{"speaker":"Alan Smith","startTime":3613.0589999999997,"endTime":3616.269,"body":"client said, I've just read"},{"speaker":"Alan Smith","startTime":3613.0589999999997,"endTime":3616.269,"body":"Allen's thing to wait, investing"},{"speaker":"Alan Smith","startTime":3616.269,"endTime":3621.249,"body":"in bonds is a total waste of"},{"speaker":"Alan Smith","startTime":3616.269,"endTime":3621.249,"body":"time, why 40% bonds? And so you"},{"speaker":"Alan Smith","startTime":3621.249,"endTime":3623.2889999999998,"body":"know, we've got to just sort of"},{"speaker":"Alan Smith","startTime":3621.249,"endTime":3623.2889999999998,"body":"unpack that with the client and"},{"speaker":"Alan Smith","startTime":3623.2889999999998,"endTime":3626.0789999999997,"body":"say, well, because you're this"},{"speaker":"Alan Smith","startTime":3623.2889999999998,"endTime":3626.0789999999997,"body":"is that was Alan's view was kind"},{"speaker":"Alan Smith","startTime":3626.0789999999997,"endTime":3627.999,"body":"of generic doesn't necessarily"},{"speaker":"Alan Smith","startTime":3626.0789999999997,"endTime":3627.999,"body":"apply to everyone. We've got"},{"speaker":"Alan Smith","startTime":3627.999,"endTime":3631.5389999999998,"body":"very, very detailed, specific"},{"speaker":"Alan Smith","startTime":3627.999,"endTime":3631.5389999999998,"body":"advisory process for you. And"},{"speaker":"Alan Smith","startTime":3631.5389999999998,"endTime":3634.239,"body":"for these reasons, it makes"},{"speaker":"Alan Smith","startTime":3631.5389999999998,"endTime":3634.239,"body":"sense on a one to one basis. But"},{"speaker":"Alan Smith","startTime":3634.239,"endTime":3637.359,"body":"fundamentally, we do believe"},{"speaker":"Alan Smith","startTime":3634.239,"endTime":3637.359,"body":"that the engine of future growth"},{"speaker":"Alan Smith","startTime":3637.629,"endTime":3640.359,"body":"and financial security"},{"speaker":"Alan Smith","startTime":3637.629,"endTime":3640.359,"body":"independence is great companies"},{"speaker":"Alan Smith","startTime":3640.359,"endTime":3644.259,"body":"of the world. But we do do"},{"speaker":"Alan Smith","startTime":3640.359,"endTime":3644.259,"body":"bespoke one to one advice, but"},{"speaker":"Alan Smith","startTime":3645.519,"endTime":3647.8289999999997,"body":"everyone is everyone is online."},{"speaker":"Alan Smith","startTime":3645.519,"endTime":3647.8289999999997,"body":"Nowadays, everyone has read"},{"speaker":"Alan Smith","startTime":3647.8289999999997,"endTime":3649.8689999999997,"body":"stuff. Everyone reads social"},{"speaker":"Alan Smith","startTime":3647.8289999999997,"endTime":3649.8689999999997,"body":"media, a lot of people are on"},{"speaker":"Alan Smith","startTime":3649.8689999999997,"endTime":3652.989,"body":"LinkedIn, a lot of clients are"},{"speaker":"Alan Smith","startTime":3649.8689999999997,"endTime":3652.989,"body":"on LinkedIn. And and also the"},{"speaker":"Alan Smith","startTime":3653.019,"endTime":3657.879,"body":"email inbox is kind of sacred"},{"speaker":"Alan Smith","startTime":3653.019,"endTime":3657.879,"body":"real estate. Almost all your"},{"speaker":"Alan Smith","startTime":3657.879,"endTime":3660.519,"body":"clients have got to whether it's"},{"speaker":"Alan Smith","startTime":3657.879,"endTime":3660.519,"body":"a Gmail account or a business"},{"speaker":"Alan Smith","startTime":3660.519,"endTime":3663.3689999999997,"body":"account, they check their"},{"speaker":"Alan Smith","startTime":3660.519,"endTime":3663.3689999999997,"body":"emails, if not every day, every"},{"speaker":"Alan Smith","startTime":3663.3689999999997,"endTime":3666.339,"body":"couple of days. And so what you"},{"speaker":"Alan Smith","startTime":3663.3689999999997,"endTime":3666.339,"body":"send to them you've got it's a"},{"speaker":"Alan Smith","startTime":3666.339,"endTime":3668.529,"body":"privileged position to be"},{"speaker":"Alan Smith","startTime":3666.339,"endTime":3668.529,"body":"allowed to send people"},{"speaker":"Alan Smith","startTime":3668.529,"endTime":3672.339,"body":"information into the no one"},{"speaker":"Alan Smith","startTime":3668.529,"endTime":3672.339,"body":"wants junk. So be very, very"},{"speaker":"Alan Smith","startTime":3672.339,"endTime":3675.5789999999997,"body":"careful about what you send out."},{"speaker":"Alan Smith","startTime":3672.339,"endTime":3675.5789999999997,"body":"It's got it's just got to add"},{"speaker":"Alan Smith","startTime":3675.5789999999997,"endTime":3678.159,"body":"values. it'll be something"},{"speaker":"Alan Smith","startTime":3675.5789999999997,"endTime":3678.159,"body":"different and impactful. So it"},{"speaker":"Alan Smith","startTime":3678.159,"endTime":3682.149,"body":"takes us quite a long time to"},{"speaker":"Alan Smith","startTime":3678.159,"endTime":3682.149,"body":"craft these messages. But it's"},{"speaker":"Alan Smith","startTime":3682.149,"endTime":3685.3289999999997,"body":"just popping up every month just"},{"speaker":"Alan Smith","startTime":3682.149,"endTime":3685.3289999999997,"body":"saying, Hi, we're here. And if"},{"speaker":"Alan Smith","startTime":3685.3289999999997,"endTime":3688.029,"body":"you want to, you know, it's just"},{"speaker":"Alan Smith","startTime":3685.3289999999997,"endTime":3688.029,"body":"a reminder of people that we"},{"speaker":"Alan Smith","startTime":3688.029,"endTime":3691.659,"body":"exist and the message remains"},{"speaker":"Alan Smith","startTime":3688.029,"endTime":3691.659,"body":"consistent. What about you, Mr."},{"speaker":"Alan Smith","startTime":3691.659,"endTime":3694.479,"body":"Widget? What are your thoughts"},{"speaker":"Alan Smith","startTime":3691.659,"endTime":3694.479,"body":"on ongoing comms? You do a lot"},{"speaker":"Alan Smith","startTime":3694.479,"endTime":3695.0789999999997,"body":"of one subject."},{"speaker":"Nick Lincoln","startTime":3695.199,"endTime":3696.819,"body":"And sorry, Carl, I"},{"speaker":"Nick Lincoln","startTime":3695.199,"endTime":3696.819,"body":"think you mentioned you meant to"},{"speaker":"Nick Lincoln","startTime":3696.819,"endTime":3699.489,"body":"go before then I went to Alan."},{"speaker":"Nick Lincoln","startTime":3696.819,"endTime":3699.489,"body":"So my apologies. I No worries"},{"speaker":"Carl Widger","startTime":3699.489,"endTime":3701.589,"body":"at all. No worries"},{"speaker":"Carl Widger","startTime":3699.489,"endTime":3701.589,"body":"at all. Yeah, look, I'm not sure"},{"speaker":"Carl Widger","startTime":3701.589,"endTime":3707.229,"body":"I have a ton more to offer than"},{"speaker":"Carl Widger","startTime":3701.589,"endTime":3707.229,"body":"what's already been said. We do"},{"speaker":"Carl Widger","startTime":3708.339,"endTime":3713.049,"body":"a newsletter once every couple"},{"speaker":"Carl Widger","startTime":3708.339,"endTime":3713.049,"body":"of months. Just if I can help"},{"speaker":"Carl Widger","startTime":3713.049,"endTime":3718.029,"body":"people on that what we found was"},{"speaker":"Carl Widger","startTime":3713.049,"endTime":3718.029,"body":"our open rate almost doubled"},{"speaker":"Carl Widger","startTime":3718.0589999999997,"endTime":3721.689,"body":"when we started putting in a"},{"speaker":"Carl Widger","startTime":3718.0589999999997,"endTime":3721.689,"body":"piece about the team. And so"},{"speaker":"Carl Widger","startTime":3721.689,"endTime":3724.959,"body":"focusing on couple of team"},{"speaker":"Carl Widger","startTime":3721.689,"endTime":3724.959,"body":"members are some of the softer"},{"speaker":"Carl Widger","startTime":3724.959,"endTime":3728.229,"body":"stuff that some some of the"},{"speaker":"Carl Widger","startTime":3724.959,"endTime":3728.229,"body":"people might be doing. We've,"},{"speaker":"Carl Widger","startTime":3728.769,"endTime":3732.3689999999997,"body":"we've babies do in the"},{"speaker":"Carl Widger","startTime":3728.769,"endTime":3732.3689999999997,"body":"O'Halloran, Andrews and Ross"},{"speaker":"Carl Widger","startTime":3732.3689999999997,"endTime":3735.8489999999997,"body":"household over the next couple"},{"speaker":"Carl Widger","startTime":3732.3689999999997,"endTime":3735.8489999999997,"body":"of months will be definitely"},{"speaker":"Carl Widger","startTime":3735.8489999999997,"endTime":3741.009,"body":"baby photos, God willing, in the"},{"speaker":"Carl Widger","startTime":3735.8489999999997,"endTime":3741.009,"body":"in over the summer months, which"},{"speaker":"Carl Widger","startTime":3741.009,"endTime":3743.1389999999997,"body":"is great, because it gives"},{"speaker":"Carl Widger","startTime":3741.009,"endTime":3743.1389999999997,"body":"people an insight that we're"},{"speaker":"Carl Widger","startTime":3743.1389999999997,"endTime":3746.499,"body":"real people. And, you know,"},{"speaker":"Carl Widger","startTime":3743.1389999999997,"endTime":3746.499,"body":"we're we have all the same"},{"speaker":"Carl Widger","startTime":3746.499,"endTime":3750.399,"body":"issues that all of our clients"},{"speaker":"Carl Widger","startTime":3746.499,"endTime":3750.399,"body":"do. So that's a, that's actually"},{"speaker":"Carl Widger","startTime":3750.399,"endTime":3753.729,"body":"apparently, our open rate is"},{"speaker":"Carl Widger","startTime":3750.399,"endTime":3753.729,"body":"double what the normal"},{"speaker":"Carl Widger","startTime":3753.759,"endTime":3756.819,"body":"newsletter open rate would be,"},{"speaker":"Carl Widger","startTime":3753.759,"endTime":3756.819,"body":"which is really good. But like"},{"speaker":"Carl Widger","startTime":3756.819,"endTime":3759.999,"body":"what Alan said, we spend a lot"},{"speaker":"Carl Widger","startTime":3756.819,"endTime":3759.999,"body":"of time figuring out which"},{"speaker":"Carl Widger","startTime":3760.029,"endTime":3765.129,"body":"articles go in. And we have,"},{"speaker":"Carl Widger","startTime":3760.029,"endTime":3765.129,"body":"though done, and I think I've"},{"speaker":"Carl Widger","startTime":3765.129,"endTime":3768.249,"body":"mentioned this before, we also"},{"speaker":"Carl Widger","startTime":3765.129,"endTime":3768.249,"body":"do an investment newsletter,"},{"speaker":"Carl Widger","startTime":3768.609,"endTime":3771.399,"body":"twice a year, we've only just"},{"speaker":"Carl Widger","startTime":3768.609,"endTime":3771.399,"body":"started that. So we've just done"},{"speaker":"Carl Widger","startTime":3771.399,"endTime":3774.819,"body":"the second one, it was all about"},{"speaker":"Carl Widger","startTime":3771.399,"endTime":3774.819,"body":"the security of our client"},{"speaker":"Carl Widger","startTime":3774.819,"endTime":3777.279,"body":"assets. So telling people, I"},{"speaker":"Carl Widger","startTime":3774.819,"endTime":3777.279,"body":"suppose the journey, their"},{"speaker":"Carl Widger","startTime":3777.279,"endTime":3780.609,"body":"actual money goes on and the"},{"speaker":"Carl Widger","startTime":3777.279,"endTime":3780.609,"body":"securities, the security of"},{"speaker":"Carl Widger","startTime":3780.609,"endTime":3783.129,"body":"those assets. And that's gone"},{"speaker":"Carl Widger","startTime":3780.609,"endTime":3783.129,"body":"down really, really well. And"},{"speaker":"Carl Widger","startTime":3783.129,"endTime":3786.189,"body":"that was as a result of direct"},{"speaker":"Carl Widger","startTime":3783.129,"endTime":3786.189,"body":"feedback from our clients"},{"speaker":"Carl Widger","startTime":3786.189,"endTime":3792.189,"body":"survey. So that's really, really"},{"speaker":"Carl Widger","startTime":3786.189,"endTime":3792.189,"body":"good. Blogs, it used to be just"},{"speaker":"Carl Widger","startTime":3792.189,"endTime":3796.3289999999997,"body":"me writing all the time. And"},{"speaker":"Carl Widger","startTime":3792.189,"endTime":3796.3289999999997,"body":"social media, it used to be just"},{"speaker":"Carl Widger","startTime":3796.3289999999997,"endTime":3800.199,"body":"me all the time. And now I'm"},{"speaker":"Carl Widger","startTime":3796.3289999999997,"endTime":3800.199,"body":"gone really bad at it because I"},{"speaker":"Carl Widger","startTime":3800.199,"endTime":3803.229,"body":"don't have time, or at least"},{"speaker":"Carl Widger","startTime":3800.199,"endTime":3803.229,"body":"that's my excuse, which probably"},{"speaker":"Carl Widger","startTime":3803.229,"endTime":3806.859,"body":"isn't excuse, but the team have"},{"speaker":"Carl Widger","startTime":3803.229,"endTime":3806.859,"body":"unbelievably up their game. So"},{"speaker":"Carl Widger","startTime":3806.859,"endTime":3810.699,"body":"if anyone goes into the latest"},{"speaker":"Carl Widger","startTime":3806.859,"endTime":3810.699,"body":"news section in Metis, Ireland,"},{"speaker":"Carl Widger","startTime":3811.959,"endTime":3814.839,"body":"one could argue actually, that"},{"speaker":"Carl Widger","startTime":3811.959,"endTime":3814.839,"body":"we've too many blogs, but that's"},{"speaker":"Carl Widger","startTime":3814.839,"endTime":3817.0589999999997,"body":"never going to be a complaint"},{"speaker":"Carl Widger","startTime":3814.839,"endTime":3817.0589999999997,"body":"that I'm going to be giving and"},{"speaker":"Carl Widger","startTime":3817.0589999999997,"endTime":3820.239,"body":"they're all very active on"},{"speaker":"Carl Widger","startTime":3817.0589999999997,"endTime":3820.239,"body":"social media. So I think our"},{"speaker":"Carl Widger","startTime":3820.269,"endTime":3824.589,"body":"we're casting that net with"},{"speaker":"Carl Widger","startTime":3820.269,"endTime":3824.589,"body":"relevant information as wide as"},{"speaker":"Carl Widger","startTime":3824.589,"endTime":3828.7889999999998,"body":"we possibly can. Yeah, I don't"},{"speaker":"Carl Widger","startTime":3824.589,"endTime":3828.7889999999998,"body":"Other than that, there's,"},{"speaker":"Carl Widger","startTime":3828.8489999999997,"endTime":3830.949,"body":"there's a few other points I had"},{"speaker":"Carl Widger","startTime":3828.8489999999997,"endTime":3830.949,"body":"there, but everybody else is"},{"speaker":"Carl Widger","startTime":3830.949,"endTime":3835.299,"body":"going to touch on them and to a"},{"speaker":"Carl Widger","startTime":3830.949,"endTime":3835.299,"body":"certain degree. So that's as"},{"speaker":"Carl Widger","startTime":3835.299,"endTime":3838.3289999999997,"body":"much as I have to offer that"},{"speaker":"Carl Widger","startTime":3835.299,"endTime":3838.3289999999997,"body":"would be valuable, I think."},{"speaker":"Nick Lincoln","startTime":3840.1,"endTime":3841.5099999999998,"body":"And are you"},{"speaker":"Nick Lincoln","startTime":3840.1,"endTime":3841.5099999999998,"body":"comfortable given that good"},{"speaker":"Nick Lincoln","startTime":3841.5099999999998,"endTime":3841.96,"body":"thrashing?"},{"speaker":"Andy Hart","startTime":3842.469,"endTime":3845.319,"body":"Yeah, I think so."},{"speaker":"Andy Hart","startTime":3842.469,"endTime":3845.319,"body":"Just a final point, I mean, all"},{"speaker":"Andy Hart","startTime":3845.319,"endTime":3847.509,"body":"of this stuff, sort of"},{"speaker":"Andy Hart","startTime":3845.319,"endTime":3847.509,"body":"compounds, and most of it sort"},{"speaker":"Andy Hart","startTime":3847.509,"endTime":3850.089,"body":"of out there, you know,"},{"speaker":"Andy Hart","startTime":3847.509,"endTime":3850.089,"body":"generally forever, certainly"},{"speaker":"Andy Hart","startTime":3850.089,"endTime":3854.409,"body":"things like podcasts. So we're"},{"speaker":"Andy Hart","startTime":3850.089,"endTime":3854.409,"body":"sort of the somewhat infancy of"},{"speaker":"Andy Hart","startTime":3854.409,"endTime":3858.009,"body":"this sort of period where where"},{"speaker":"Andy Hart","startTime":3854.409,"endTime":3858.009,"body":"we are in terms of information"},{"speaker":"Andy Hart","startTime":3858.009,"endTime":3860.529,"body":"being out there. Obviously,"},{"speaker":"Andy Hart","startTime":3858.009,"endTime":3860.529,"body":"we've got this AI journey to go"},{"speaker":"Andy Hart","startTime":3860.529,"endTime":3863.439,"body":"on that nobody knows what it"},{"speaker":"Andy Hart","startTime":3860.529,"endTime":3863.439,"body":"looks like. So things will be"},{"speaker":"Andy Hart","startTime":3863.439,"endTime":3866.1389999999997,"body":"getting more and more sliced and"},{"speaker":"Andy Hart","startTime":3863.439,"endTime":3866.1389999999997,"body":"diced. I did come across a"},{"speaker":"Andy Hart","startTime":3866.1389999999997,"endTime":3870.279,"body":"couple of good AI tools. Whilst"},{"speaker":"Andy Hart","startTime":3866.1389999999997,"endTime":3870.279,"body":"in Manchester. I'm stealing"},{"speaker":"Andy Hart","startTime":3870.399,"endTime":3873.8489999999997,"body":"Smithies Limelight here. One"},{"speaker":"Andy Hart","startTime":3870.399,"endTime":3873.8489999999997,"body":"that was quite good is there's"},{"speaker":"Andy Hart","startTime":3873.879,"endTime":3878.019,"body":"there's AI avatars now that can"},{"speaker":"Andy Hart","startTime":3873.879,"endTime":3878.019,"body":"basically look exactly like Nick"},{"speaker":"Andy Hart","startTime":3878.019,"endTime":3884.1389999999997,"body":"Lincoln, I mean, Paris, Christ."},{"speaker":"Andy Hart","startTime":3878.019,"endTime":3884.1389999999997,"body":"So what you can do is you can"},{"speaker":"Andy Hart","startTime":3884.1389999999997,"endTime":3887.919,"body":"write a script for Nick Lincoln"},{"speaker":"Andy Hart","startTime":3884.1389999999997,"endTime":3887.919,"body":"to deliver it perfectly word for"},{"speaker":"Andy Hart","startTime":3887.919,"endTime":3891.7889999999998,"body":"word. But what will happen is,"},{"speaker":"Andy Hart","startTime":3887.919,"endTime":3891.7889999999998,"body":"people will want to be able to"},{"speaker":"Andy Hart","startTime":3891.7889999999998,"endTime":3894.399,"body":"offer this to professional"},{"speaker":"Andy Hart","startTime":3891.7889999999998,"endTime":3894.399,"body":"services firms. So when you take"},{"speaker":"Andy Hart","startTime":3894.399,"endTime":3897.219,"body":"on a new client, you'll send"},{"speaker":"Andy Hart","startTime":3894.399,"endTime":3897.219,"body":"them a link with a video that's"},{"speaker":"Andy Hart","startTime":3897.219,"endTime":3900.0389999999998,"body":"an avatar, that's a perfectly"},{"speaker":"Andy Hart","startTime":3897.219,"endTime":3900.0389999999998,"body":"scripted avatar of what you want"},{"speaker":"Andy Hart","startTime":3900.0389999999998,"endTime":3903.279,"body":"to say for them, you know, just"},{"speaker":"Andy Hart","startTime":3900.0389999999998,"endTime":3903.279,"body":"like you do on loom. But what"},{"speaker":"Andy Hart","startTime":3903.279,"endTime":3905.5589999999997,"body":"I'm saying is, it's going to"},{"speaker":"Andy Hart","startTime":3903.279,"endTime":3905.5589999999997,"body":"allow a lot more funnels to be"},{"speaker":"Andy Hart","startTime":3905.5589999999997,"endTime":3907.839,"body":"created. So you take on a new"},{"speaker":"Andy Hart","startTime":3905.5589999999997,"endTime":3907.839,"body":"client, and it's like some"},{"speaker":"Andy Hart","startTime":3907.839,"endTime":3911.1389999999997,"body":"boring thing around pension"},{"speaker":"Andy Hart","startTime":3907.839,"endTime":3911.1389999999997,"body":"drawdown. You've already got the"},{"speaker":"Andy Hart","startTime":3911.1389999999997,"endTime":3914.6189999999997,"body":"script sketched out, and the"},{"speaker":"Andy Hart","startTime":3911.1389999999997,"endTime":3914.6189999999997,"body":"avatar of Nick Lincoln can"},{"speaker":"Andy Hart","startTime":3914.6189999999997,"endTime":3917.949,"body":"deliver to you what may be a"},{"speaker":"Andy Hart","startTime":3914.6189999999997,"endTime":3917.949,"body":"boring video about drawdown but"},{"speaker":"Andy Hart","startTime":3917.949,"endTime":3920.319,"body":"if they're interested in there,"},{"speaker":"Andy Hart","startTime":3917.949,"endTime":3920.319,"body":"just carry on watching it. So"},{"speaker":"Andy Hart","startTime":3920.319,"endTime":3922.359,"body":"there's going to be a lot the"},{"speaker":"Andy Hart","startTime":3920.319,"endTime":3922.359,"body":"problem with financial advisors,"},{"speaker":"Andy Hart","startTime":3922.359,"endTime":3925.1189999999997,"body":"most financial advisors got all"},{"speaker":"Andy Hart","startTime":3922.359,"endTime":3925.1189999999997,"body":"this intellectual capital in a"},{"speaker":"Andy Hart","startTime":3925.1189999999997,"endTime":3927.7889999999998,"body":"box, you know, they're a good"},{"speaker":"Andy Hart","startTime":3925.1189999999997,"endTime":3927.7889999999998,"body":"advisor, they've been doing it"},{"speaker":"Andy Hart","startTime":3927.7889999999998,"endTime":3930.159,"body":"for 30 years. They're great in"},{"speaker":"Andy Hart","startTime":3927.7889999999998,"endTime":3930.159,"body":"front of clients, but they're in"},{"speaker":"Andy Hart","startTime":3930.159,"endTime":3933.129,"body":"this box, they don't get it out"},{"speaker":"Andy Hart","startTime":3930.159,"endTime":3933.129,"body":"there. And we're all cottage"},{"speaker":"Andy Hart","startTime":3933.129,"endTime":3937.029,"body":"industry. So every different"},{"speaker":"Andy Hart","startTime":3933.129,"endTime":3937.029,"body":"advisor, got no external message"},{"speaker":"Andy Hart","startTime":3937.029,"endTime":3939.219,"body":"just got over this great"},{"speaker":"Andy Hart","startTime":3937.029,"endTime":3939.219,"body":"intellectual capital inside a"},{"speaker":"Andy Hart","startTime":3939.219,"endTime":3943.3289999999997,"body":"box. So I think this stuff's"},{"speaker":"Andy Hart","startTime":3939.219,"endTime":3943.3289999999997,"body":"going to going to open up that."},{"speaker":"Andy Hart","startTime":3943.509,"endTime":3946.0589999999997,"body":"So I'm somewhat excited about"},{"speaker":"Andy Hart","startTime":3943.509,"endTime":3946.0589999999997,"body":"that. I mean, a lot of advisors"},{"speaker":"Andy Hart","startTime":3946.1189999999997,"endTime":3948.969,"body":"have got capacity to take on new"},{"speaker":"Andy Hart","startTime":3946.1189999999997,"endTime":3948.969,"body":"clients. They're really good at"},{"speaker":"Andy Hart","startTime":3948.969,"endTime":3951.609,"body":"what they do. They're very, you"},{"speaker":"Andy Hart","startTime":3948.969,"endTime":3951.609,"body":"know, knowledgeable about what"},{"speaker":"Andy Hart","startTime":3951.609,"endTime":3953.439,"body":"they do, but they're just not"},{"speaker":"Andy Hart","startTime":3951.609,"endTime":3953.439,"body":"very good at getting their"},{"speaker":"Andy Hart","startTime":3953.439,"endTime":3956.499,"body":"message out there to more and"},{"speaker":"Andy Hart","startTime":3953.439,"endTime":3956.499,"body":"more clients. And I think things"},{"speaker":"Andy Hart","startTime":3956.499,"endTime":3959.709,"body":"like AI will batter the barriers"},{"speaker":"Andy Hart","startTime":3956.499,"endTime":3959.709,"body":"down and people will realize"},{"speaker":"Andy Hart","startTime":3959.709,"endTime":3962.859,"body":"that it's not about going to,"},{"speaker":"Andy Hart","startTime":3959.709,"endTime":3962.859,"body":"you know, a shiny skyscraper in"},{"speaker":"Andy Hart","startTime":3962.859,"endTime":3964.989,"body":"the city to have your money"},{"speaker":"Andy Hart","startTime":3962.859,"endTime":3964.989,"body":"manage because you asked you out"},{"speaker":"Andy Hart","startTime":3964.989,"endTime":3967.5989999999997,"body":"GBT, what's the best investment"},{"speaker":"Andy Hart","startTime":3964.989,"endTime":3967.5989999999997,"body":"fund that comes out with"},{"speaker":"Andy Hart","startTime":3967.5989999999997,"endTime":3971.469,"body":"something that's plain vanilla."},{"speaker":"Andy Hart","startTime":3967.5989999999997,"endTime":3971.469,"body":"So a lot of the Bs is going to"},{"speaker":"Andy Hart","startTime":3971.469,"endTime":3975.219,"body":"be hopefully dispelled about the"},{"speaker":"Andy Hart","startTime":3971.469,"endTime":3975.219,"body":"sort of next stage of AI that"},{"speaker":"Andy Hart","startTime":3975.219,"endTime":3978.3089999999997,"body":"we're going into But without me"},{"speaker":"Andy Hart","startTime":3975.219,"endTime":3978.3089999999997,"body":"getting too much on my soapbox."},{"speaker":"Andy Hart","startTime":3979.0589999999997,"endTime":3984.729,"body":"Yeah, I think that sort of"},{"speaker":"Andy Hart","startTime":3979.0589999999997,"endTime":3984.729,"body":"Avatar creation of custom"},{"speaker":"Andy Hart","startTime":3984.729,"endTime":3987.999,"body":"avatar, where you can get your"},{"speaker":"Andy Hart","startTime":3984.729,"endTime":3987.999,"body":"message out to more and more"},{"speaker":"Andy Hart","startTime":3987.999,"endTime":3990.699,"body":"people more and more funnels,"},{"speaker":"Andy Hart","startTime":3987.999,"endTime":3990.699,"body":"you can always pretty much"},{"speaker":"Andy Hart","startTime":3990.699,"endTime":3991.1189999999997,"body":"create the"},{"speaker":"Alan Smith","startTime":3991.569,"endTime":3994.1189999999997,"body":"thing is, this is"},{"speaker":"Alan Smith","startTime":3991.569,"endTime":3994.1189999999997,"body":"the one. Yeah, the the point,"},{"speaker":"Alan Smith","startTime":3994.1189999999997,"endTime":3996.8489999999997,"body":"the point being that all of a"},{"speaker":"Alan Smith","startTime":3994.1189999999997,"endTime":3996.8489999999997,"body":"sudden, one thing is for"},{"speaker":"Alan Smith","startTime":3996.8489999999997,"endTime":4001.109,"body":"certain. And as Carl has alluded"},{"speaker":"Alan Smith","startTime":3996.8489999999997,"endTime":4001.109,"body":"to, as well, creating content"},{"speaker":"Alan Smith","startTime":4001.109,"endTime":4004.229,"body":"via newsletters, blog posts,"},{"speaker":"Alan Smith","startTime":4001.109,"endTime":4004.229,"body":"podcasts, everything is time"},{"speaker":"Alan Smith","startTime":4004.229,"endTime":4006.8089999999997,"body":"consuming. It just there's no"},{"speaker":"Alan Smith","startTime":4004.229,"endTime":4006.8089999999997,"body":"there's no doubt about it. And"},{"speaker":"Alan Smith","startTime":4006.8089999999997,"endTime":4010.649,"body":"so therefore, we're kind of"},{"speaker":"Alan Smith","startTime":4006.8089999999997,"endTime":4010.649,"body":"doing one to many. So we do when"},{"speaker":"Alan Smith","startTime":4010.649,"endTime":4015.149,"body":"we do our newsletter, and it is"},{"speaker":"Alan Smith","startTime":4010.649,"endTime":4015.149,"body":"a source of kind of irritation"},{"speaker":"Alan Smith","startTime":4015.149,"endTime":4018.959,"body":"for me somewhat is that we send"},{"speaker":"Alan Smith","startTime":4015.149,"endTime":4018.959,"body":"we've got your clients like"},{"speaker":"Alan Smith","startTime":4018.989,"endTime":4021.989,"body":"you've all got, everyone's got"},{"speaker":"Alan Smith","startTime":4018.989,"endTime":4021.989,"body":"in the same age ranges,"},{"speaker":"Alan Smith","startTime":4021.989,"endTime":4024.959,"body":"excluding see the children of"},{"speaker":"Alan Smith","startTime":4021.989,"endTime":4024.959,"body":"clients, but certainly your"},{"speaker":"Alan Smith","startTime":4024.959,"endTime":4028.0789999999997,"body":"clients in their 30s and sort of"},{"speaker":"Alan Smith","startTime":4024.959,"endTime":4028.0789999999997,"body":"normal engage clients up into"},{"speaker":"Alan Smith","startTime":4028.0789999999997,"endTime":4032.3689999999997,"body":"their whatever 80s 90s I don't"},{"speaker":"Alan Smith","startTime":4028.0789999999997,"endTime":4032.3689999999997,"body":"know. And we are sending out"},{"speaker":"Alan Smith","startTime":4032.459,"endTime":4035.999,"body":"same newsletter, you know, full"},{"speaker":"Alan Smith","startTime":4032.459,"endTime":4035.999,"body":"disclosure to that. And that's"},{"speaker":"Alan Smith","startTime":4035.999,"endTime":4038.519,"body":"kind of gets me a bit I'd what"},{"speaker":"Alan Smith","startTime":4035.999,"endTime":4038.519,"body":"I'd love to do is just really"},{"speaker":"Alan Smith","startTime":4038.519,"endTime":4041.219,"body":"say talk about avatars, but"},{"speaker":"Alan Smith","startTime":4038.519,"endTime":4041.219,"body":"really segment our own existing"},{"speaker":"Alan Smith","startTime":4041.219,"endTime":4044.129,"body":"clients down, it could be by"},{"speaker":"Alan Smith","startTime":4041.219,"endTime":4044.129,"body":"age, it could be by any number"},{"speaker":"Alan Smith","startTime":4044.129,"endTime":4046.8289999999997,"body":"of different ways of segmenting"},{"speaker":"Alan Smith","startTime":4044.129,"endTime":4046.8289999999997,"body":"it, because what we want to what"},{"speaker":"Alan Smith","startTime":4046.8289999999997,"endTime":4050.009,"body":"we want yeah, interests or"},{"speaker":"Alan Smith","startTime":4046.8289999999997,"endTime":4050.009,"body":"specific recent experiences or"},{"speaker":"Alan Smith","startTime":4050.009,"endTime":4054.419,"body":"anything like that, because the"},{"speaker":"Alan Smith","startTime":4050.009,"endTime":4054.419,"body":"core message is probably 80% the"},{"speaker":"Alan Smith","startTime":4054.419,"endTime":4056.699,"body":"same. So you could say the same"},{"speaker":"Alan Smith","startTime":4054.419,"endTime":4056.699,"body":"that whether it is about"},{"speaker":"Alan Smith","startTime":4056.729,"endTime":4060.479,"body":"pensions, or you were saying"},{"speaker":"Alan Smith","startTime":4056.729,"endTime":4060.479,"body":"specifically, you know, if you"},{"speaker":"Alan Smith","startTime":4060.479,"endTime":4064.199,"body":"are aged over 75, this is"},{"speaker":"Alan Smith","startTime":4060.479,"endTime":4064.199,"body":"something to pay attention to so"},{"speaker":"Alan Smith","startTime":4064.199,"endTime":4066.689,"body":"far for my 75 year old clients"},{"speaker":"Alan Smith","startTime":4064.199,"endTime":4066.689,"body":"and instinctual clients because"},{"speaker":"Alan Smith","startTime":4066.689,"endTime":4068.699,"body":"they Oh, this is interesting."},{"speaker":"Alan Smith","startTime":4066.689,"endTime":4068.699,"body":"This really, really appeals me"},{"speaker":"Alan Smith","startTime":4068.879,"endTime":4071.549,"body":"and my 38 year old clients never"},{"speaker":"Alan Smith","startTime":4068.879,"endTime":4071.549,"body":"going to see it in the first"},{"speaker":"Alan Smith","startTime":4071.549,"endTime":4073.949,"body":"place where at the moment, they"},{"speaker":"Alan Smith","startTime":4071.549,"endTime":4073.949,"body":"might see something like that"},{"speaker":"Alan Smith","startTime":4073.949,"endTime":4078.419,"body":"and say, well, doesn't apply to"},{"speaker":"Alan Smith","startTime":4073.949,"endTime":4078.419,"body":"me. So AI will allow us to just"},{"speaker":"Alan Smith","startTime":4078.419,"endTime":4082.229,"body":"create content at scale, but in"},{"speaker":"Alan Smith","startTime":4078.419,"endTime":4082.229,"body":"a much more highly personalized"},{"speaker":"Alan Smith","startTime":4082.229,"endTime":4085.169,"body":"way. And it also applies to sort"},{"speaker":"Alan Smith","startTime":4082.229,"endTime":4085.169,"body":"of lead generation content. If"},{"speaker":"Alan Smith","startTime":4085.169,"endTime":4089.3689999999997,"body":"you're creating something"},{"speaker":"Alan Smith","startTime":4085.169,"endTime":4089.3689999999997,"body":"designed for optometrists in"},{"speaker":"Alan Smith","startTime":4089.3689999999997,"endTime":4093.209,"body":"Nottingham, for example, then"},{"speaker":"Alan Smith","startTime":4089.3689999999997,"endTime":4093.209,"body":"you can you can do it and it's"},{"speaker":"Alan Smith","startTime":4093.209,"endTime":4095.459,"body":"80 90% the same thing. But if"},{"speaker":"Alan Smith","startTime":4093.209,"endTime":4095.459,"body":"you're an optometrist in"},{"speaker":"Alan Smith","startTime":4095.459,"endTime":4097.409000000001,"body":"Nottingham, you're probably"},{"speaker":"Alan Smith","startTime":4095.459,"endTime":4097.409000000001,"body":"going to pay attention to that"},{"speaker":"Alan Smith","startTime":4097.409000000001,"endTime":4101.909000000001,"body":"more than some generic post on"},{"speaker":"Alan Smith","startTime":4097.409000000001,"endTime":4101.909000000001,"body":"LinkedIn about five key things"},{"speaker":"Alan Smith","startTime":4101.909000000001,"endTime":4105.389,"body":"to do about retirement. So it's"},{"speaker":"Alan Smith","startTime":4101.909000000001,"endTime":4105.389,"body":"an interesting time."},{"speaker":"Nick Lincoln","startTime":4107.25,"endTime":4110.55,"body":"Okey dokey, chaps."},{"speaker":"Nick Lincoln","startTime":4107.25,"endTime":4110.55,"body":"We're up to one hour and seven"},{"speaker":"Nick Lincoln","startTime":4110.55,"endTime":4115.26,"body":"minutes in and I can see on my"},{"speaker":"Nick Lincoln","startTime":4110.55,"endTime":4115.26,"body":"nest camera that she's loved it"},{"speaker":"Nick Lincoln","startTime":4115.26,"endTime":4117.9000000000005,"body":"up the drive by bolting saccade"},{"speaker":"Nick Lincoln","startTime":4115.26,"endTime":4117.9000000000005,"body":"TRAPPIST questions, and we"},{"speaker":"Nick Lincoln","startTime":4117.9000000000005,"endTime":4120.6900000000005,"body":"didn't do any questions in the"},{"speaker":"Nick Lincoln","startTime":4117.9000000000005,"endTime":4120.6900000000005,"body":"last episode with me live"},{"speaker":"Nick Lincoln","startTime":4120.6900000000005,"endTime":4124.02,"body":"because we just basically ran"},{"speaker":"Nick Lincoln","startTime":4120.6900000000005,"endTime":4124.02,"body":"out of time. As a reminder, if"},{"speaker":"Nick Lincoln","startTime":4124.02,"endTime":4127.14,"body":"you want to post a question to"},{"speaker":"Nick Lincoln","startTime":4124.02,"endTime":4127.14,"body":"us do click on the pinned tweets"},{"speaker":"Nick Lincoln","startTime":4127.17,"endTime":4132.42,"body":"at the top of advisor podcast."},{"speaker":"Nick Lincoln","startTime":4127.17,"endTime":4132.42,"body":"And or in the link in the so"},{"speaker":"Nick Lincoln","startTime":4132.42,"endTime":4134.67,"body":"called show notes. We will get"},{"speaker":"Nick Lincoln","startTime":4132.42,"endTime":4134.67,"body":"around to your questions. We're"},{"speaker":"Nick Lincoln","startTime":4134.67,"endTime":4139.17,"body":"doing them chronologically. So"},{"speaker":"Nick Lincoln","startTime":4134.67,"endTime":4139.17,"body":"what I always struggle with, and"},{"speaker":"Nick Lincoln","startTime":4139.17,"endTime":4141.36,"body":"even if you've asked questions"},{"speaker":"Nick Lincoln","startTime":4139.17,"endTime":4141.36,"body":"been asked before, we will read"},{"speaker":"Nick Lincoln","startTime":4141.36,"endTime":4144.18,"body":"your question now out of respect"},{"speaker":"Nick Lincoln","startTime":4141.36,"endTime":4144.18,"body":"to you. And as a thank you for"},{"speaker":"Nick Lincoln","startTime":4144.18,"endTime":4145.95,"body":"contributing to the show,"},{"speaker":"Nick Lincoln","startTime":4144.18,"endTime":4145.95,"body":"because it's your show as much"},{"speaker":"Nick Lincoln","startTime":4145.95,"endTime":4149.1,"body":"as ours. Right. Haven't got all"},{"speaker":"Nick Lincoln","startTime":4145.95,"endTime":4149.1,"body":"that claptrap out of the way."},{"speaker":"Nick Lincoln","startTime":4149.46,"endTime":4153.78,"body":"First question is from Adam"},{"speaker":"Nick Lincoln","startTime":4149.46,"endTime":4153.78,"body":"livello. A bit of a boring one,"},{"speaker":"Nick Lincoln","startTime":4153.78,"endTime":4157.35,"body":"guys, but some, including me may"},{"speaker":"Nick Lincoln","startTime":4153.78,"endTime":4157.35,"body":"find it useful. What strategy do"},{"speaker":"Nick Lincoln","startTime":4157.35,"endTime":4160.05,"body":"you use for clients taking"},{"speaker":"Nick Lincoln","startTime":4157.35,"endTime":4160.05,"body":"income from their portfolios to"},{"speaker":"Nick Lincoln","startTime":4160.05,"endTime":4163.77,"body":"guard against sequencing risk,"},{"speaker":"Nick Lincoln","startTime":4160.05,"endTime":4163.77,"body":"ie natural income, pot investing"},{"speaker":"Nick Lincoln","startTime":4163.89,"endTime":4167.88,"body":"cash buffer unit and Cashman or"},{"speaker":"Nick Lincoln","startTime":4163.89,"endTime":4167.88,"body":"something in between? Really"},{"speaker":"Nick Lincoln","startTime":4167.88,"endTime":4170.76,"body":"enjoy the show? Keep up the good"},{"speaker":"Nick Lincoln","startTime":4167.88,"endTime":4170.76,"body":"work. Thank you, Adam. I don't"},{"speaker":"Nick Lincoln","startTime":4170.76,"endTime":4172.95,"body":"know I'm gonna go I'm gonna pick"},{"speaker":"Nick Lincoln","startTime":4170.76,"endTime":4172.95,"body":"on car."},{"speaker":"Carl Widger","startTime":4175.38,"endTime":4183.99,"body":"Cheers, buddy. None"},{"speaker":"Carl Widger","startTime":4175.38,"endTime":4183.99,"body":"of the above? Adam. If you do"},{"speaker":"Carl Widger","startTime":4183.99,"endTime":4187.26,"body":"real financial planning, you're"},{"speaker":"Carl Widger","startTime":4183.99,"endTime":4187.26,"body":"going to know every single year"},{"speaker":"Carl Widger","startTime":4187.29,"endTime":4191.97,"body":"at the annual planning meeting."},{"speaker":"Carl Widger","startTime":4187.29,"endTime":4191.97,"body":"hard cash is required. So in"},{"speaker":"Carl Widger","startTime":4191.97,"endTime":4198.03,"body":"terms of guarding against"},{"speaker":"Carl Widger","startTime":4191.97,"endTime":4198.03,"body":"sequencing risk, I think it's"},{"speaker":"Carl Widger","startTime":4199.89,"endTime":4203.49,"body":"it's not a conversation that you"},{"speaker":"Carl Widger","startTime":4199.89,"endTime":4203.49,"body":"need to be having, in my view."},{"speaker":"Alan Smith","startTime":4204.57,"endTime":4209.61,"body":"Call isn't it's on"},{"speaker":"Alan Smith","startTime":4204.57,"endTime":4209.61,"body":"Adams list. One was cash buffer."},{"speaker":"Alan Smith","startTime":4209.73,"endTime":4212.22,"body":"Is that not what you mean? You"},{"speaker":"Alan Smith","startTime":4209.73,"endTime":4212.22,"body":"anticipating going to be"},{"speaker":"Alan Smith","startTime":4212.22,"endTime":4216.2699999999995,"body":"spending x next in the next 12"},{"speaker":"Alan Smith","startTime":4212.22,"endTime":4216.2699999999995,"body":"months and you create a cash"},{"speaker":"Alan Smith","startTime":4216.2699999999995,"endTime":4219.51,"body":"buffer to be drawn down upon? Is"},{"speaker":"Alan Smith","startTime":4216.2699999999995,"endTime":4219.51,"body":"that not what you do?"},{"speaker":"Carl Widger","startTime":4220.44,"endTime":4222.8099999999995,"body":"Yeah, yeah. But I"},{"speaker":"Carl Widger","startTime":4220.44,"endTime":4222.8099999999995,"body":"don't think a cash buffer is"},{"speaker":"Carl Widger","startTime":4222.8099999999995,"endTime":4225.51,"body":"guarding against sequencing"},{"speaker":"Carl Widger","startTime":4222.8099999999995,"endTime":4225.51,"body":"risk. So I don't think,"},{"speaker":"Alan Smith","startTime":4226.65,"endTime":4229.7699999999995,"body":"well, you're not"},{"speaker":"Alan Smith","startTime":4226.65,"endTime":4229.7699999999995,"body":"you're not. Sequencing risk is"},{"speaker":"Alan Smith","startTime":4229.98,"endTime":4233.3099999999995,"body":"irrelevant, isn't it? Yeah. If"},{"speaker":"Alan Smith","startTime":4229.98,"endTime":4233.3099999999995,"body":"you've got if you've got cash,"},{"speaker":"Alan Smith","startTime":4233.91,"endTime":4236.3099999999995,"body":"that, you know, you got to spend"},{"speaker":"Alan Smith","startTime":4233.91,"endTime":4236.3099999999995,"body":"the next 18 months let's"},{"speaker":"Alan Smith","startTime":4236.34,"endTime":4237.78,"body":"Exactly. Yeah,"},{"speaker":"Nick Lincoln","startTime":4237.8099999999995,"endTime":4240.39,"body":"exactly. So aside"},{"speaker":"Nick Lincoln","startTime":4237.8099999999995,"endTime":4240.39,"body":"two years worth of living"},{"speaker":"Nick Lincoln","startTime":4240.39,"endTime":4241.17,"body":"expenses, say and I"},{"speaker":"Carl Widger","startTime":4241.17,"endTime":4243.99,"body":"know we do, that's"},{"speaker":"Carl Widger","startTime":4241.17,"endTime":4243.99,"body":"what I am saying we do so but"},{"speaker":"Carl Widger","startTime":4243.99,"endTime":4246.96,"body":"it's like we're not putting them"},{"speaker":"Carl Widger","startTime":4243.99,"endTime":4246.96,"body":"into specific funds to guard"},{"speaker":"Carl Widger","startTime":4246.96,"endTime":4251.0999999999995,"body":"against sequencing risk. I think"},{"speaker":"Carl Widger","startTime":4246.96,"endTime":4251.0999999999995,"body":"that's a total you're"},{"speaker":"Alan Smith","startTime":4251.46,"endTime":4253.89,"body":"creating a cash"},{"speaker":"Alan Smith","startTime":4251.46,"endTime":4253.89,"body":"buffer, you're creating a pot of"},{"speaker":"Alan Smith","startTime":4253.89,"endTime":4256.32,"body":"everage that they're going to"},{"speaker":"Alan Smith","startTime":4253.89,"endTime":4256.32,"body":"draw down upon to support for"},{"speaker":"Nick Lincoln","startTime":4257.07,"endTime":4259.47,"body":"for different"},{"speaker":"Nick Lincoln","startTime":4257.07,"endTime":4259.47,"body":"funds. And Andy"},{"speaker":"Andy Hart","startTime":4259.5599999999995,"endTime":4262.89,"body":"Yeah, this is a huge"},{"speaker":"Andy Hart","startTime":4259.5599999999995,"endTime":4262.89,"body":"subject subject again, and it"},{"speaker":"Andy Hart","startTime":4263.13,"endTime":4266.13,"body":"crops up all the time. There's"},{"speaker":"Andy Hart","startTime":4263.13,"endTime":4266.13,"body":"been reports written about it"},{"speaker":"Andy Hart","startTime":4266.13,"endTime":4269.0999999999995,"body":"books bring about it, but as"},{"speaker":"Andy Hart","startTime":4266.13,"endTime":4269.0999999999995,"body":"calls alluded to, the real"},{"speaker":"Andy Hart","startTime":4269.0999999999995,"endTime":4272.01,"body":"financial plan with your clients"},{"speaker":"Andy Hart","startTime":4269.0999999999995,"endTime":4272.01,"body":"will somewhat dictate what the"},{"speaker":"Andy Hart","startTime":4272.01,"endTime":4276.72,"body":"strategy is. Our regulator the"},{"speaker":"Andy Hart","startTime":4272.01,"endTime":4276.72,"body":"FCA is very much on this at the"},{"speaker":"Andy Hart","startTime":4276.72,"endTime":4279.33,"body":"moment, and I believe a lot of"},{"speaker":"Andy Hart","startTime":4276.72,"endTime":4279.33,"body":"advisors have been sending out a"},{"speaker":"Andy Hart","startTime":4279.33,"endTime":4282.93,"body":"questionnaire around their sort"},{"speaker":"Andy Hart","startTime":4279.33,"endTime":4282.93,"body":"of retirement, financial"},{"speaker":"Andy Hart","startTime":4282.93,"endTime":4285.45,"body":"planning strategy, is it"},{"speaker":"Andy Hart","startTime":4282.93,"endTime":4285.45,"body":"different to the accumulation?"},{"speaker":"Andy Hart","startTime":4286.38,"endTime":4290.7,"body":"Nick has coined the term of the"},{"speaker":"Andy Hart","startTime":4286.38,"endTime":4290.7,"body":"centralized retirement advice"},{"speaker":"Andy Hart","startTime":4290.7,"endTime":4295.05,"body":"proposition, you can all work"},{"speaker":"Andy Hart","startTime":4290.7,"endTime":4295.05,"body":"out? Well, the CRA P, you can"},{"speaker":"Andy Hart","startTime":4295.05,"endTime":4298.29,"body":"all work out the acronyms for"},{"speaker":"Andy Hart","startTime":4295.05,"endTime":4298.29,"body":"that. So it's a combination of I"},{"speaker":"Andy Hart","startTime":4298.29,"endTime":4301.14,"body":"suppose most things that you"},{"speaker":"Andy Hart","startTime":4298.29,"endTime":4301.14,"body":"mentioned in your question,"},{"speaker":"Andy Hart","startTime":4301.17,"endTime":4304.2,"body":"Adam, but when I do training"},{"speaker":"Andy Hart","startTime":4301.17,"endTime":4304.2,"body":"with advisors we go through so"},{"speaker":"Andy Hart","startTime":4304.2,"endTime":4306.33,"body":"in a lot of detail, you know, I"},{"speaker":"Andy Hart","startTime":4304.2,"endTime":4306.33,"body":"present voice I've been doing it"},{"speaker":"Andy Hart","startTime":4306.33,"endTime":4310.41,"body":"for years. So yeah, at some"},{"speaker":"Andy Hart","startTime":4306.33,"endTime":4310.41,"body":"point, maybe we could sit down"},{"speaker":"Andy Hart","startTime":4310.41,"endTime":4314.79,"body":"and do the fat on that. But"},{"speaker":"Andy Hart","startTime":4310.41,"endTime":4314.79,"body":"yeah, it's a meaty subject. Over"},{"speaker":"Andy Hart","startTime":4314.79,"endTime":4315.84,"body":"to you Nicaragua?"},{"speaker":"Alan Smith","startTime":4319.47,"endTime":4322.0199999999995,"body":"Well, I think from"},{"speaker":"Alan Smith","startTime":4319.47,"endTime":4322.0199999999995,"body":"my viewpoint, I mean, in"},{"speaker":"Alan Smith","startTime":4322.0199999999995,"endTime":4324.09,"body":"simplicity, and of course, there"},{"speaker":"Alan Smith","startTime":4322.0199999999995,"endTime":4324.09,"body":"are always exceptions to the"},{"speaker":"Alan Smith","startTime":4324.09,"endTime":4326.19,"body":"rule. But the default rule is,"},{"speaker":"Alan Smith","startTime":4324.09,"endTime":4326.19,"body":"as we've already said, I mean,"},{"speaker":"Alan Smith","startTime":4326.19,"endTime":4328.92,"body":"I, I've called it a cash buffer"},{"speaker":"Alan Smith","startTime":4326.19,"endTime":4328.92,"body":"and sitting down with a client."},{"speaker":"Alan Smith","startTime":4329.49,"endTime":4332.97,"body":"Now, there are things that"},{"speaker":"Alan Smith","startTime":4329.49,"endTime":4332.97,"body":"happen, as we actually talked"},{"speaker":"Alan Smith","startTime":4332.97,"endTime":4336.75,"body":"about at the head of the show,"},{"speaker":"Alan Smith","startTime":4332.97,"endTime":4336.75,"body":"which is unexpected events from"},{"speaker":"Alan Smith","startTime":4336.75,"endTime":4341.04,"body":"which you need to get access to"},{"speaker":"Alan Smith","startTime":4336.75,"endTime":4341.04,"body":"capital quite quickly. So that"},{"speaker":"Alan Smith","startTime":4341.04,"endTime":4343.95,"body":"isn't necessarily factored in,"},{"speaker":"Alan Smith","startTime":4341.04,"endTime":4343.95,"body":"because you can't factor in"},{"speaker":"Alan Smith","startTime":4343.95,"endTime":4346.83,"body":"every potential unexpected"},{"speaker":"Alan Smith","startTime":4343.95,"endTime":4346.83,"body":"event. But generally speaking,"},{"speaker":"Alan Smith","startTime":4347.0999999999995,"endTime":4347.34,"body":"I've got"},{"speaker":"Carl Widger","startTime":4347.999,"endTime":4350.579,"body":"sorry to drill"},{"speaker":"Carl Widger","startTime":4347.999,"endTime":4350.579,"body":"down. That's why like structure"},{"speaker":"Carl Widger","startTime":4350.579,"endTime":4353.639,"body":"products or you know, lock ins"},{"speaker":"Carl Widger","startTime":4350.579,"endTime":4353.639,"body":"and all that, that's why they're"},{"speaker":"Carl Widger","startTime":4353.669,"endTime":4358.229,"body":"they don't form part of kind of"},{"speaker":"Carl Widger","startTime":4353.669,"endTime":4358.229,"body":"real financial planning, if"},{"speaker":"Carl Widger","startTime":4358.229,"endTime":4359.639,"body":"you're advising on investing."},{"speaker":"Alan Smith","startTime":4360.3,"endTime":4364.23,"body":"But for the 90,"},{"speaker":"Alan Smith","startTime":4360.3,"endTime":4364.23,"body":"let's say, 90 95% of the times,"},{"speaker":"Alan Smith","startTime":4364.26,"endTime":4368.25,"body":"we will go into some detail with"},{"speaker":"Alan Smith","startTime":4364.26,"endTime":4368.25,"body":"clients and say to the level to"},{"speaker":"Alan Smith","startTime":4368.25,"endTime":4372.5999999999995,"body":"which you can reasonably expect"},{"speaker":"Alan Smith","startTime":4368.25,"endTime":4372.5999999999995,"body":"or predict the future Aarthi Are"},{"speaker":"Alan Smith","startTime":4372.5999999999995,"endTime":4375.24,"body":"you planning any major CAPEX"},{"speaker":"Alan Smith","startTime":4372.5999999999995,"endTime":4375.24,"body":"expenditure this year? Have you"},{"speaker":"Alan Smith","startTime":4375.24,"endTime":4377.88,"body":"got like around the world cruise"},{"speaker":"Alan Smith","startTime":4375.24,"endTime":4377.88,"body":"by moving house buying a new"},{"speaker":"Alan Smith","startTime":4377.88,"endTime":4379.95,"body":"car, anything addition to"},{"speaker":"Alan Smith","startTime":4377.88,"endTime":4379.95,"body":"because we know what your"},{"speaker":"Alan Smith","startTime":4380.34,"endTime":4383.94,"body":"expected monthly requirements?"},{"speaker":"Alan Smith","startTime":4380.34,"endTime":4383.94,"body":"Are? We factored that in we've"},{"speaker":"Alan Smith","startTime":4383.94,"endTime":4386.64,"body":"got that sitting in cash. We"},{"speaker":"Alan Smith","startTime":4383.94,"endTime":4386.64,"body":"know there's a trade off,"},{"speaker":"Alan Smith","startTime":4386.8499999999995,"endTime":4389.73,"body":"because you know, you're not"},{"speaker":"Alan Smith","startTime":4386.8499999999995,"endTime":4389.73,"body":"earning much on it. Although you"},{"speaker":"Alan Smith","startTime":4389.73,"endTime":4393.69,"body":"doing okay, if it was Transact"},{"speaker":"Alan Smith","startTime":4389.73,"endTime":4393.69,"body":"mentioned mentioned early,"},{"speaker":"Alan Smith","startTime":4393.8099999999995,"endTime":4397.3499999999995,"body":"earlier. So therefore, we know"},{"speaker":"Alan Smith","startTime":4393.8099999999995,"endTime":4397.3499999999995,"body":"that that's not investment"},{"speaker":"Alan Smith","startTime":4397.3499999999995,"endTime":4398.79,"body":"money, that's money, we know"},{"speaker":"Alan Smith","startTime":4397.3499999999995,"endTime":4398.79,"body":"you're going to spend in the"},{"speaker":"Alan Smith","startTime":4398.79,"endTime":4404.28,"body":"next 12 to 24 months. That to me"},{"speaker":"Alan Smith","startTime":4398.79,"endTime":4404.28,"body":"is so your sequence risk is I"},{"speaker":"Alan Smith","startTime":4404.28,"endTime":4407.67,"body":"mean, it's not it's not"},{"speaker":"Alan Smith","startTime":4404.28,"endTime":4407.67,"body":"completely eliminated. But it's"},{"speaker":"Alan Smith","startTime":4407.67,"endTime":4410.49,"body":"significantly reduced by that,"},{"speaker":"Alan Smith","startTime":4407.67,"endTime":4410.49,"body":"because you're still invested"},{"speaker":"Alan Smith","startTime":4410.49,"endTime":4413.28,"body":"the monies you've got, yes, but"},{"speaker":"Alan Smith","startTime":4410.49,"endTime":4413.28,"body":"long term investors money that,"},{"speaker":"Alan Smith","startTime":4413.28,"endTime":4416.13,"body":"you know, you know, you're going"},{"speaker":"Alan Smith","startTime":4413.28,"endTime":4416.13,"body":"to spend 10 years from now, you"},{"speaker":"Alan Smith","startTime":4416.13,"endTime":4419.82,"body":"know, let the markets grow that"},{"speaker":"Alan Smith","startTime":4416.13,"endTime":4419.82,"body":"such that it's the price of your"},{"speaker":"Alan Smith","startTime":4420.57,"endTime":4423.12,"body":"petrol in the car 10 years from"},{"speaker":"Alan Smith","startTime":4420.57,"endTime":4423.12,"body":"now is going to be more. So"},{"speaker":"Alan Smith","startTime":4423.12,"endTime":4426.75,"body":"that's what we'll take, we're"},{"speaker":"Alan Smith","startTime":4423.12,"endTime":4426.75,"body":"mitigating inflation rises, and"},{"speaker":"Alan Smith","startTime":4426.75,"endTime":4428.8499999999995,"body":"so on, but the money you're"},{"speaker":"Alan Smith","startTime":4426.75,"endTime":4428.8499999999995,"body":"gonna be spending and, again,"},{"speaker":"Alan Smith","startTime":4428.8499999999995,"endTime":4431.01,"body":"it's I think it's one of these"},{"speaker":"Alan Smith","startTime":4428.8499999999995,"endTime":4431.01,"body":"ones and storage is going to put"},{"speaker":"Alan Smith","startTime":4431.01,"endTime":4433.11,"body":"it down, but it's kind of"},{"speaker":"Alan Smith","startTime":4431.01,"endTime":4433.11,"body":"another over engineered"},{"speaker":"Alan Smith","startTime":4433.41,"endTime":4438.21,"body":"complexity, most thing that I"},{"speaker":"Alan Smith","startTime":4433.41,"endTime":4438.21,"body":"know, I'm going to spend 50"},{"speaker":"Alan Smith","startTime":4438.21,"endTime":4440.55,"body":"grand next year, like I've been"},{"speaker":"Alan Smith","startTime":4438.21,"endTime":4440.55,"body":"doing every year, in fact, I"},{"speaker":"Alan Smith","startTime":4440.55,"endTime":4443.28,"body":"might reduce it a bit, because"},{"speaker":"Alan Smith","startTime":4440.55,"endTime":4443.28,"body":"Because Because All right, well,"},{"speaker":"Alan Smith","startTime":4443.28,"endTime":4445.62,"body":"you've got 100 grand sitting in"},{"speaker":"Alan Smith","startTime":4443.28,"endTime":4445.62,"body":"cash, we're going to draw down"},{"speaker":"Alan Smith","startTime":4445.62,"endTime":4448.8,"body":"upon that you got eight, your"},{"speaker":"Alan Smith","startTime":4445.62,"endTime":4448.8,"body":"two years worth. And then yes,"},{"speaker":"Alan Smith","startTime":4448.95,"endTime":4451.44,"body":"oh my God, my daughter got"},{"speaker":"Alan Smith","startTime":4448.95,"endTime":4451.44,"body":"divorces. So she needs 30 grand"},{"speaker":"Alan Smith","startTime":4451.44,"endTime":4454.47,"body":"to help her with such as, okay,"},{"speaker":"Alan Smith","startTime":4451.44,"endTime":4454.47,"body":"we had either gotta take that"},{"speaker":"Alan Smith","startTime":4454.47,"endTime":4456.42,"body":"from the cash buffer, which is"},{"speaker":"Alan Smith","startTime":4454.47,"endTime":4456.42,"body":"going to be shorter, he's going"},{"speaker":"Alan Smith","startTime":4456.48,"endTime":4459.0,"body":"to spend some money that you're"},{"speaker":"Alan Smith","startTime":4456.48,"endTime":4459.0,"body":"going to spend next year, or"},{"speaker":"Alan Smith","startTime":4459.0,"endTime":4461.5199999999995,"body":"we're going to look into the"},{"speaker":"Alan Smith","startTime":4459.0,"endTime":4461.5199999999995,"body":"portfolio we might do we might"},{"speaker":"Alan Smith","startTime":4461.5199999999995,"endTime":4465.66,"body":"possibly have to do that. But we"},{"speaker":"Alan Smith","startTime":4461.5199999999995,"endTime":4465.66,"body":"can't really overly you know,"},{"speaker":"Alan Smith","startTime":4465.72,"endTime":4467.7,"body":"over engineer the whole process"},{"speaker":"Alan Smith","startTime":4465.72,"endTime":4467.7,"body":"and the"},{"speaker":"Andy Hart","startTime":4468.39,"endTime":4472.2,"body":"most frequent risk."},{"speaker":"Andy Hart","startTime":4468.39,"endTime":4472.2,"body":"Most Sequent risks exist in"},{"speaker":"Andy Hart","startTime":4472.2,"endTime":4475.3499999999995,"body":"spreadsheets, not in real life,"},{"speaker":"Andy Hart","startTime":4472.2,"endTime":4475.3499999999995,"body":"financial plans and clients edit"},{"speaker":"Andy Hart","startTime":4475.3499999999995,"endTime":4478.62,"body":"their behavior. Yes, using a"},{"speaker":"Andy Hart","startTime":4475.3499999999995,"endTime":4478.62,"body":"proper forecasting tool"},{"speaker":"Andy Hart","startTime":4478.62,"endTime":4482.82,"body":"massively helps and keep it"},{"speaker":"Andy Hart","startTime":4478.62,"endTime":4482.82,"body":"simple. Keep it cautious. It"},{"speaker":"Andy Hart","startTime":4482.82,"endTime":4484.8,"body":"doesn't matter. It's"},{"speaker":"Andy Hart","startTime":4482.82,"endTime":4484.8,"body":"deterministic is the best we've"},{"speaker":"Andy Hart","startTime":4484.8,"endTime":4487.53,"body":"got, I can't say look like I've"},{"speaker":"Andy Hart","startTime":4484.8,"endTime":4487.53,"body":"got another solution. But I'm"},{"speaker":"Andy Hart","startTime":4487.53,"endTime":4489.84,"body":"not gonna use deterministic,"},{"speaker":"Andy Hart","startTime":4487.53,"endTime":4489.84,"body":"you're either going to be worth"},{"speaker":"Andy Hart","startTime":4489.84,"endTime":4492.9,"body":"minus 500 or 16. Point 8"},{"speaker":"Andy Hart","startTime":4489.84,"endTime":4492.9,"body":"million, you know, again, it's"},{"speaker":"Andy Hart","startTime":4492.9,"endTime":4495.45,"body":"just gonna give a fan output."},{"speaker":"Andy Hart","startTime":4492.9,"endTime":4495.45,"body":"Yes, it might give me a"},{"speaker":"Andy Hart","startTime":4495.45,"endTime":4498.42,"body":"percentage success rate. But"},{"speaker":"Andy Hart","startTime":4495.45,"endTime":4498.42,"body":"again, we're going down to a"},{"speaker":"Andy Hart","startTime":4498.42,"endTime":4501.48,"body":"slightly different road now. But"},{"speaker":"Andy Hart","startTime":4498.42,"endTime":4501.48,"body":"yeah, yeah."},{"speaker":"Alan Smith","startTime":4502.2,"endTime":4506.46,"body":"You've hit the nail,"},{"speaker":"Alan Smith","startTime":4502.2,"endTime":4506.46,"body":"the nail on the head. Because"},{"speaker":"Alan Smith","startTime":4506.46,"endTime":4509.46,"body":"this assumes that clients don't"},{"speaker":"Alan Smith","startTime":4506.46,"endTime":4509.46,"body":"modify behavior during this sort"},{"speaker":"Alan Smith","startTime":4509.46,"endTime":4512.0999999999995,"body":"of sequence risk challenges and"},{"speaker":"Alan Smith","startTime":4509.46,"endTime":4512.0999999999995,"body":"every single one I've you know,"},{"speaker":"Alan Smith","startTime":4512.13,"endTime":4514.92,"body":"when there's really measurable"},{"speaker":"Alan Smith","startTime":4512.13,"endTime":4514.92,"body":"COVID You couldn't travel but"},{"speaker":"Alan Smith","startTime":4514.92,"endTime":4518.22,"body":"before I remember back in 2008,"},{"speaker":"Alan Smith","startTime":4514.92,"endTime":4518.22,"body":"markets were absolutely tanking."},{"speaker":"Alan Smith","startTime":4518.55,"endTime":4521.04,"body":"Guess what people weren't"},{"speaker":"Alan Smith","startTime":4518.55,"endTime":4521.04,"body":"spending at the same rate, they"},{"speaker":"Alan Smith","startTime":4521.04,"endTime":4524.88,"body":"everyone decided to just tighten"},{"speaker":"Alan Smith","startTime":4521.04,"endTime":4524.88,"body":"their belt around them. So yeah,"},{"speaker":"Alan Smith","startTime":4524.88,"endTime":4527.67,"body":"so another one watches is"},{"speaker":"Alan Smith","startTime":4524.88,"endTime":4527.67,"body":"spreadsheets versus real life."},{"speaker":"Alan Smith","startTime":4527.7,"endTime":4530.55,"body":"Yes, you have to be wise you"},{"speaker":"Alan Smith","startTime":4527.7,"endTime":4530.55,"body":"have to be sensible, but you're"},{"speaker":"Alan Smith","startTime":4530.55,"endTime":4533.49,"body":"never going to just get 100%"},{"speaker":"Alan Smith","startTime":4530.55,"endTime":4533.49,"body":"accurate."},{"speaker":"Nick Lincoln","startTime":4533.5199999999995,"endTime":4535.95,"body":"It's almost like"},{"speaker":"Nick Lincoln","startTime":4533.5199999999995,"endTime":4535.95,"body":"we're dealing with real adults,"},{"speaker":"Nick Lincoln","startTime":4535.95,"endTime":4543.66,"body":"isn't it and not to almost"},{"speaker":"Nick Lincoln","startTime":4535.95,"endTime":4543.66,"body":"almost grown up on this. Adam,"},{"speaker":"Nick Lincoln","startTime":4543.69,"endTime":4545.55,"body":"Adam, just closing your point."},{"speaker":"Nick Lincoln","startTime":4543.69,"endTime":4545.55,"body":"The one thing I would say is"},{"speaker":"Nick Lincoln","startTime":4545.55,"endTime":4548.43,"body":"don't rely on natural income I'm"},{"speaker":"Nick Lincoln","startTime":4545.55,"endTime":4548.43,"body":"a definite a unit and Cashman"},{"speaker":"Nick Lincoln","startTime":4548.46,"endTime":4553.0199999999995,"body":"person, you know, what's going"},{"speaker":"Nick Lincoln","startTime":4548.46,"endTime":4553.0199999999995,"body":"out? It's not totally random"},{"speaker":"Nick Lincoln","startTime":4553.0199999999995,"endTime":4556.47,"body":"amount from digital returns is"},{"speaker":"Nick Lincoln","startTime":4553.0199999999995,"endTime":4556.47,"body":"everything. Total Return? Okay."},{"speaker":"Nick Lincoln","startTime":4556.5,"endTime":4558.69,"body":"Now we have another question"},{"speaker":"Nick Lincoln","startTime":4556.5,"endTime":4558.69,"body":"from Darren bill. Kid dad who's"},{"speaker":"Nick Lincoln","startTime":4558.69,"endTime":4561.0599999999995,"body":"on Twitter at Darren underscore"},{"speaker":"Nick Lincoln","startTime":4558.69,"endTime":4561.0599999999995,"body":"Bilka. But yours is quite a big"},{"speaker":"Nick Lincoln","startTime":4561.0599999999995,"endTime":4563.76,"body":"question. Darren and I think"},{"speaker":"Nick Lincoln","startTime":4561.0599999999995,"endTime":4563.76,"body":"what we'll do if that's okay"},{"speaker":"Nick Lincoln","startTime":4563.76,"endTime":4567.18,"body":"with you guys, because we're one"},{"speaker":"Nick Lincoln","startTime":4563.76,"endTime":4567.18,"body":"minute, one hour and 15 minutes"},{"speaker":"Nick Lincoln","startTime":4567.18,"endTime":4570.51,"body":"into the show, and we'll we'll"},{"speaker":"Nick Lincoln","startTime":4567.18,"endTime":4570.51,"body":"carry forward your your question"},{"speaker":"Nick Lincoln","startTime":4570.51,"endTime":4573.21,"body":"to the to the next show if"},{"speaker":"Nick Lincoln","startTime":4570.51,"endTime":4573.21,"body":"that's okay, which means"},{"speaker":"Nick Lincoln","startTime":4573.24,"endTime":4576.54,"body":"inevitably, by by fair means or"},{"speaker":"Nick Lincoln","startTime":4573.24,"endTime":4576.54,"body":"fail, we've got To culture"},{"speaker":"Nick Lincoln","startTime":4576.54,"endTime":4584.3099999999995,"body":"corner which is still still just"},{"speaker":"Nick Lincoln","startTime":4576.54,"endTime":4584.3099999999995,"body":"about friends so Mr. Smith and"},{"speaker":"Nick Lincoln","startTime":4584.3099999999995,"endTime":4587.16,"body":"kids oh god yeah kits his summer"},{"speaker":"Nick Lincoln","startTime":4584.3099999999995,"endTime":4587.16,"body":"readings I've looked at this"},{"speaker":"Nick Lincoln","startTime":4587.16,"endTime":4587.43,"body":"gone"},{"speaker":"Alan Smith","startTime":4588.2699999999995,"endTime":4593.16,"body":"didn't didn't Didn't"},{"speaker":"Alan Smith","startTime":4588.2699999999995,"endTime":4593.16,"body":"you like it we're coming to this"},{"speaker":"Alan Smith","startTime":4593.37,"endTime":4596.94,"body":"time of year but people tend to"},{"speaker":"Alan Smith","startTime":4593.37,"endTime":4596.94,"body":"take some time off and sort of"},{"speaker":"Alan Smith","startTime":4596.94,"endTime":4599.07,"body":"lounge around by a swimming pool"},{"speaker":"Alan Smith","startTime":4596.94,"endTime":4599.07,"body":"with other things and if you're"},{"speaker":"Alan Smith","startTime":4599.07,"endTime":4602.94,"body":"anything like me you like to"},{"speaker":"Alan Smith","startTime":4599.07,"endTime":4602.94,"body":"read read a few books when you"},{"speaker":"Alan Smith","startTime":4602.97,"endTime":4607.17,"body":"are on your vacation. I'm always"},{"speaker":"Alan Smith","startTime":4602.97,"endTime":4607.17,"body":"looking for new ideas new books"},{"speaker":"Alan Smith","startTime":4607.17,"endTime":4610.44,"body":"to read or to listen to and I"},{"speaker":"Alan Smith","startTime":4607.17,"endTime":4610.44,"body":"did like it Michael Kitsis which"},{"speaker":"Alan Smith","startTime":4610.44,"endTime":4614.34,"body":"most of the listeners will be"},{"speaker":"Alan Smith","startTime":4610.44,"endTime":4614.34,"body":"aware of his this proliferation"},{"speaker":"Alan Smith","startTime":4614.82,"endTime":4617.43,"body":"of content and output and"},{"speaker":"Alan Smith","startTime":4614.82,"endTime":4617.43,"body":"podcasts and stuff but he does"},{"speaker":"Alan Smith","startTime":4617.43,"endTime":4621.45,"body":"produce this once a year or"},{"speaker":"Alan Smith","startTime":4617.43,"endTime":4621.45,"body":"produces his summer reading list"},{"speaker":"Alan Smith","startTime":4621.48,"endTime":4624.48,"body":"and had a look at it and there I"},{"speaker":"Alan Smith","startTime":4621.48,"endTime":4624.48,"body":"think there are some really good"},{"speaker":"Alan Smith","startTime":4624.51,"endTime":4627.48,"body":"suggestions a lot of books had"},{"speaker":"Alan Smith","startTime":4624.51,"endTime":4627.48,"body":"never heard of before which I'm"},{"speaker":"Alan Smith","startTime":4627.48,"endTime":4631.14,"body":"certainly going to buy or"},{"speaker":"Alan Smith","startTime":4627.48,"endTime":4631.14,"body":"download a number of them some"},{"speaker":"Alan Smith","startTime":4631.14,"endTime":4633.3,"body":"things which are kind of off the"},{"speaker":"Alan Smith","startTime":4631.14,"endTime":4633.3,"body":"modern age is kind of like"},{"speaker":"Alan Smith","startTime":4633.3,"endTime":4637.26,"body":"living within this hybrid work"},{"speaker":"Alan Smith","startTime":4633.3,"endTime":4637.26,"body":"lifestyle just some insights and"},{"speaker":"Alan Smith","startTime":4637.26,"endTime":4641.8499999999995,"body":"ideas there's just a few others"},{"speaker":"Alan Smith","startTime":4637.26,"endTime":4641.8499999999995,"body":"just kind of representing"},{"speaker":"Alan Smith","startTime":4641.8499999999995,"endTime":4646.05,"body":"financial planning in the in the"},{"speaker":"Alan Smith","startTime":4641.8499999999995,"endTime":4646.05,"body":"modern area era. There's a list"},{"speaker":"Alan Smith","startTime":4646.05,"endTime":4648.75,"body":"of about a dozen books on it I'm"},{"speaker":"Alan Smith","startTime":4646.05,"endTime":4648.75,"body":"probably going to buy four of"},{"speaker":"Alan Smith","startTime":4648.75,"endTime":4652.98,"body":"them the link to his list is on"},{"speaker":"Alan Smith","startTime":4648.75,"endTime":4652.98,"body":"our show notes and I think it's"},{"speaker":"Alan Smith","startTime":4652.98,"endTime":4656.13,"body":"well worth despite what Nick"},{"speaker":"Alan Smith","startTime":4652.98,"endTime":4656.13,"body":"says well worth taking a look at"},{"speaker":"Alan Smith","startTime":4656.13,"endTime":4659.64,"body":"and getting an idea or two"},{"speaker":"Alan Smith","startTime":4656.13,"endTime":4659.64,"body":"decent"},{"speaker":"Nick Lincoln","startTime":4660.45,"endTime":4664.0199999999995,"body":"Okay, very good."},{"speaker":"Nick Lincoln","startTime":4660.45,"endTime":4664.0199999999995,"body":"Mine is my as my as a negative"},{"speaker":"Nick Lincoln","startTime":4664.0199999999995,"endTime":4667.8,"body":"and a positive. So my culture"},{"speaker":"Nick Lincoln","startTime":4664.0199999999995,"endTime":4667.8,"body":"corner there TRAPPIST and if"},{"speaker":"Nick Lincoln","startTime":4667.8,"endTime":4671.67,"body":"you're watching on hold up the"},{"speaker":"Nick Lincoln","startTime":4667.8,"endTime":4671.67,"body":"camera now the essays of Warren"},{"speaker":"Nick Lincoln","startTime":4671.67,"endTime":4674.37,"body":"Buffett now, the ultra crypto"},{"speaker":"Nick Lincoln","startTime":4671.67,"endTime":4674.37,"body":"and is going to have a mini"},{"speaker":"Nick Lincoln","startTime":4674.37,"endTime":4677.5199999999995,"body":"panic attack here but I tried to"},{"speaker":"Nick Lincoln","startTime":4674.37,"endTime":4677.5199999999995,"body":"read this and found it awfully"},{"speaker":"Nick Lincoln","startTime":4677.55,"endTime":4681.2699999999995,"body":"awfully dull and dry actually."},{"speaker":"Nick Lincoln","startTime":4677.55,"endTime":4681.2699999999995,"body":"So I'm willing to give this away"},{"speaker":"Nick Lincoln","startTime":4681.2699999999995,"endTime":4685.44,"body":"the first TRAPPIST who hits me"},{"speaker":"Nick Lincoln","startTime":4681.2699999999995,"endTime":4685.44,"body":"up, oh, shoot me. Who reaches"},{"speaker":"Nick Lincoln","startTime":4685.44,"endTime":4689.61,"body":"out shoot me. He makes contact"},{"speaker":"Nick Lincoln","startTime":4685.44,"endTime":4689.61,"body":"with me via a DM on LinkedIn. I"},{"speaker":"Nick Lincoln","startTime":4689.61,"endTime":4692.3099999999995,"body":"will send that book to them."},{"speaker":"Nick Lincoln","startTime":4689.61,"endTime":4692.3099999999995,"body":"There you go. There's your"},{"speaker":"Nick Lincoln","startTime":4692.3099999999995,"endTime":4695.07,"body":"present. What I didn't join,"},{"speaker":"Nick Lincoln","startTime":4692.3099999999995,"endTime":4695.07,"body":"which I've also finished"},{"speaker":"Nick Lincoln","startTime":4695.07,"endTime":4698.94,"body":"recently by Audible was the Tao"},{"speaker":"Nick Lincoln","startTime":4695.07,"endTime":4698.94,"body":"of Charlie Munger. So Charlie"},{"speaker":"Nick Lincoln","startTime":4698.94,"endTime":4703.26,"body":"Munger has wisdoms and"},{"speaker":"Nick Lincoln","startTime":4698.94,"endTime":4703.26,"body":"quotations and speeches. And I"},{"speaker":"Nick Lincoln","startTime":4703.26,"endTime":4705.84,"body":"found that really enjoyable. I"},{"speaker":"Nick Lincoln","startTime":4703.26,"endTime":4705.84,"body":"think of the two of them mongers"},{"speaker":"Nick Lincoln","startTime":4705.84,"endTime":4708.72,"body":"actually though, the probably I"},{"speaker":"Nick Lincoln","startTime":4705.84,"endTime":4708.72,"body":"think the better communicator he"},{"speaker":"Nick Lincoln","startTime":4708.72,"endTime":4712.83,"body":"says he's, he's bone dry. But I"},{"speaker":"Nick Lincoln","startTime":4708.72,"endTime":4712.83,"body":"did enjoy that. So I would, I"},{"speaker":"Nick Lincoln","startTime":4712.83,"endTime":4716.07,"body":"would go go carefully with the"},{"speaker":"Nick Lincoln","startTime":4712.83,"endTime":4716.07,"body":"essays of Warren Buffett but go"},{"speaker":"Nick Lincoln","startTime":4716.07,"endTime":4718.3499999999995,"body":"into the Tao of Charlie Munger,"},{"speaker":"Nick Lincoln","startTime":4716.07,"endTime":4718.3499999999995,"body":"because that's really"},{"speaker":"Nick Lincoln","startTime":4718.3499999999995,"endTime":4727.17,"body":"informative. Really easy. Really"},{"speaker":"Nick Lincoln","startTime":4718.3499999999995,"endTime":4727.17,"body":"quick. Mr. widger. Muted call"},{"speaker":"Nick Lincoln","startTime":4727.17,"endTime":4728.04,"body":"you there. So well."},{"speaker":"Carl Widger","startTime":4731.5199999999995,"endTime":4737.49,"body":"Are you here to do"},{"speaker":"Carl Widger","startTime":4731.5199999999995,"endTime":4737.49,"body":"the full show? Jesus? Yeah."},{"speaker":"Carl Widger","startTime":4737.5199999999995,"endTime":4742.47,"body":"Anyway, my one is I did an"},{"speaker":"Carl Widger","startTime":4737.5199999999995,"endTime":4742.47,"body":"interview, a wide ranging"},{"speaker":"Carl Widger","startTime":4742.98,"endTime":4748.65,"body":"interview with the currency"},{"speaker":"Carl Widger","startTime":4742.98,"endTime":4748.65,"body":"about where the Irish financial"},{"speaker":"Carl Widger","startTime":4748.68,"endTime":4755.79,"body":"advice industry as ash. And"},{"speaker":"Carl Widger","startTime":4748.68,"endTime":4755.79,"body":"that's what the headline said."},{"speaker":"Carl Widger","startTime":4755.79,"endTime":4758.0999999999995,"body":"So the headline, I should just"},{"speaker":"Carl Widger","startTime":4755.79,"endTime":4758.0999999999995,"body":"show that for those watching on"},{"speaker":"Carl Widger","startTime":4758.0999999999995,"endTime":4761.8499999999995,"body":"YouTube, financial planner card"},{"speaker":"Carl Widger","startTime":4758.0999999999995,"endTime":4761.8499999999995,"body":"with your calls out industry,"},{"speaker":"Carl Widger","startTime":4762.15,"endTime":4764.58,"body":"many aren't trustworthy, how to"},{"speaker":"Alan Smith","startTime":4764.61,"endTime":4766.95,"body":"how to win friends"},{"speaker":"Alan Smith","startTime":4764.61,"endTime":4766.95,"body":"and influence people in Ireland."},{"speaker":"Alan Smith","startTime":4767.94,"endTime":4769.17,"body":"There are a bunch of cowboys."},{"speaker":"Carl Widger","startTime":4770.07,"endTime":4775.53,"body":"As you can imagine."},{"speaker":"Carl Widger","startTime":4770.07,"endTime":4775.53,"body":"I shared it on I did the"},{"speaker":"Carl Widger","startTime":4775.53,"endTime":4779.79,"body":"interview before I went holiday."},{"speaker":"Carl Widger","startTime":4775.53,"endTime":4779.79,"body":"So I wasn't really I wasn't"},{"speaker":"Carl Widger","startTime":4779.79,"endTime":4783.03,"body":"checking anything except I was"},{"speaker":"Carl Widger","startTime":4779.79,"endTime":4783.03,"body":"checking the currency to say, a"},{"speaker":"Carl Widger","startTime":4783.03,"endTime":4787.62,"body":"wonderful headline, no, put on"},{"speaker":"Carl Widger","startTime":4783.03,"endTime":4787.62,"body":"that. So lo and behold, I got a"},{"speaker":"Carl Widger","startTime":4787.68,"endTime":4791.97,"body":"little panic attack. So"},{"speaker":"Carl Widger","startTime":4787.68,"endTime":4791.97,"body":"obviously, that headline is a"},{"speaker":"Carl Widger","startTime":4791.97,"endTime":4795.24,"body":"little bit out of context."},{"speaker":"Carl Widger","startTime":4791.97,"endTime":4795.24,"body":"However, there have been so many"},{"speaker":"Carl Widger","startTime":4796.14,"endTime":4799.47,"body":"investments and unregulated"},{"speaker":"Carl Widger","startTime":4796.14,"endTime":4799.47,"body":"investments and unregulated"},{"speaker":"Carl Widger","startTime":4799.47,"endTime":4803.91,"body":"investment firms carrying on as"},{"speaker":"Carl Widger","startTime":4799.47,"endTime":4803.91,"body":"if they were regulated, blah,"},{"speaker":"Carl Widger","startTime":4803.91,"endTime":4808.29,"body":"blah. So I do think it's"},{"speaker":"Carl Widger","startTime":4803.91,"endTime":4808.29,"body":"something I can stand over."},{"speaker":"Carl Widger","startTime":4808.29,"endTime":4811.71,"body":"However, when I put it out on"},{"speaker":"Carl Widger","startTime":4808.29,"endTime":4811.71,"body":"LinkedIn and Twitter, crickets,"},{"speaker":"Carl Widger","startTime":4811.71,"endTime":4816.84,"body":"right, nobody said anything. I"},{"speaker":"Carl Widger","startTime":4811.71,"endTime":4816.84,"body":"did get a few text messages from"},{"speaker":"Carl Widger","startTime":4817.0199999999995,"endTime":4820.89,"body":"real financial planners saying"},{"speaker":"Carl Widger","startTime":4817.0199999999995,"endTime":4820.89,"body":"fairplay delighted, but I did"},{"speaker":"Carl Widger","startTime":4820.89,"endTime":4824.67,"body":"know that nobody was publicly"},{"speaker":"Carl Widger","startTime":4820.89,"endTime":4824.67,"body":"willing to back me on that one."},{"speaker":"Carl Widger","startTime":4824.94,"endTime":4828.54,"body":"But anyway, look, I was"},{"speaker":"Carl Widger","startTime":4824.94,"endTime":4828.54,"body":"delighted to do it with currency"},{"speaker":"Carl Widger","startTime":4828.54,"endTime":4832.7699999999995,"body":"because I think the currency is"},{"speaker":"Carl Widger","startTime":4828.54,"endTime":4832.7699999999995,"body":"Ireland's number one without"},{"speaker":"Carl Widger","startTime":4832.7699999999995,"endTime":4838.7699999999995,"body":"question, business news app. So"},{"speaker":"Carl Widger","startTime":4832.7699999999995,"endTime":4838.7699999999995,"body":"for me to be asked to contribute"},{"speaker":"Carl Widger","startTime":4839.0999999999995,"endTime":4841.65,"body":"as a thought leader, that was"},{"speaker":"Carl Widger","startTime":4839.0999999999995,"endTime":4841.65,"body":"pretty cool. From my point of"},{"speaker":"Carl Widger","startTime":4841.65,"endTime":4846.8099999999995,"body":"view, it is behind a paywall. So"},{"speaker":"Carl Widger","startTime":4841.65,"endTime":4846.8099999999995,"body":"I'm pretty sure every Irish"},{"speaker":"Carl Widger","startTime":4846.8099999999995,"endTime":4851.3099999999995,"body":"advisor listening to this will"},{"speaker":"Carl Widger","startTime":4846.8099999999995,"endTime":4851.3099999999995,"body":"have subscribed to the currency."},{"speaker":"Carl Widger","startTime":4851.3099999999995,"endTime":4857.46,"body":"So go check it out. And yeah, if"},{"speaker":"Carl Widger","startTime":4851.3099999999995,"endTime":4857.46,"body":"you'd like to give me a little"},{"speaker":"Carl Widger","startTime":4857.46,"endTime":4859.86,"body":"bit of backing, that would be"},{"speaker":"Carl Widger","startTime":4857.46,"endTime":4859.86,"body":"great, but I don't expect it."},{"speaker":"Alan Smith","startTime":4859.95,"endTime":4861.93,"body":"Carl, why do you"},{"speaker":"Alan Smith","startTime":4859.95,"endTime":4861.93,"body":"think that you didn't get a lot"},{"speaker":"Alan Smith","startTime":4861.93,"endTime":4864.51,"body":"of backing for that what you"},{"speaker":"Alan Smith","startTime":4861.93,"endTime":4864.51,"body":"said was you just you were just"},{"speaker":"Alan Smith","startTime":4864.54,"endTime":4866.8499999999995,"body":"you didn't say anything, which"},{"speaker":"Alan Smith","startTime":4864.54,"endTime":4866.8499999999995,"body":"was not true was not"},{"speaker":"Alan Smith","startTime":4866.8499999999995,"endTime":4870.2699999999995,"body":"demonstrably true by previous"},{"speaker":"Alan Smith","startTime":4866.8499999999995,"endTime":4870.2699999999995,"body":"press reports, newspaper"},{"speaker":"Alan Smith","startTime":4870.33,"endTime":4873.33,"body":"accounts or so on. Why didn't"},{"speaker":"Alan Smith","startTime":4870.33,"endTime":4873.33,"body":"let other Irish devices get"},{"speaker":"Alan Smith","startTime":4873.33,"endTime":4877.08,"body":"behind you publicly? Any"},{"speaker":"Alan Smith","startTime":4873.33,"endTime":4877.08,"body":"thoughts? I don't know, like I"},{"speaker":"Alan Smith","startTime":4877.11,"endTime":4878.04,"body":"look, I see,"},{"speaker":"Carl Widger","startTime":4878.37,"endTime":4881.3099999999995,"body":"I got I have tons"},{"speaker":"Carl Widger","startTime":4878.37,"endTime":4881.3099999999995,"body":"and tons of followers from UK"},{"speaker":"Carl Widger","startTime":4881.3099999999995,"endTime":4884.19,"body":"advisors obviously because you"},{"speaker":"Carl Widger","startTime":4881.3099999999995,"endTime":4884.19,"body":"know, you guys and haven't"},{"speaker":"Carl Widger","startTime":4884.22,"endTime":4888.03,"body":"spoken at home before and all"},{"speaker":"Carl Widger","startTime":4884.22,"endTime":4888.03,"body":"that kind of stuff. And I saw I"},{"speaker":"Carl Widger","startTime":4888.03,"endTime":4892.05,"body":"follow a lot of you guys and"},{"speaker":"Carl Widger","startTime":4888.03,"endTime":4892.05,"body":"I'm, as in UK advisors on"},{"speaker":"Carl Widger","startTime":4892.05,"endTime":4894.75,"body":"Twitter, and I can see you all"},{"speaker":"Carl Widger","startTime":4892.05,"endTime":4894.75,"body":"fighting all the time and you"},{"speaker":"Carl Widger","startTime":4894.84,"endTime":4899.28,"body":"seem to be much more comfortable"},{"speaker":"Carl Widger","startTime":4894.84,"endTime":4899.28,"body":"with the conflict and Irish"},{"speaker":"Carl Widger","startTime":4899.28,"endTime":4903.66,"body":"advisors are. I think everybody"},{"speaker":"Carl Widger","startTime":4899.28,"endTime":4903.66,"body":"in Ireland is like who Why would"},{"speaker":"Carl Widger","startTime":4903.66,"endTime":4908.55,"body":"you be upsetting people? I think"},{"speaker":"Carl Widger","startTime":4903.66,"endTime":4908.55,"body":"there's much more without any"},{"speaker":"Carl Widger","startTime":4908.55,"endTime":4911.7,"body":"question or doubt, because I've"},{"speaker":"Carl Widger","startTime":4908.55,"endTime":4911.7,"body":"heard her but there's much more"},{"speaker":"Carl Widger","startTime":4911.7,"endTime":4916.11,"body":"conversations going on behind"},{"speaker":"Carl Widger","startTime":4911.7,"endTime":4916.11,"body":"the scenes. And for sure I have"},{"speaker":"Carl Widger","startTime":4916.11,"endTime":4921.42,"body":"a target on my back. For sure."},{"speaker":"Carl Widger","startTime":4916.11,"endTime":4921.42,"body":"People will be watching every"},{"speaker":"Carl Widger","startTime":4921.45,"endTime":4927.45,"body":"step I make. And every breath I"},{"speaker":"Carl Widger","startTime":4921.45,"endTime":4927.45,"body":"take probably, but yeah, look, I"},{"speaker":"Carl Widger","startTime":4927.45,"endTime":4931.47,"body":"can stand over what I said, I'm"},{"speaker":"Carl Widger","startTime":4927.45,"endTime":4931.47,"body":"absolutely comfortable that it"},{"speaker":"Carl Widger","startTime":4931.47,"endTime":4936.5999999999995,"body":"is fair to say that there are"},{"speaker":"Carl Widger","startTime":4931.47,"endTime":4936.5999999999995,"body":"many who are untrustworthy. And"},{"speaker":"Carl Widger","startTime":4936.5999999999995,"endTime":4939.3,"body":"there are way too many advisors"},{"speaker":"Carl Widger","startTime":4936.5999999999995,"endTime":4939.3,"body":"in the market. And I mentioned"},{"speaker":"Carl Widger","startTime":4939.3,"endTime":4941.73,"body":"one or two things about the"},{"speaker":"Carl Widger","startTime":4939.3,"endTime":4941.73,"body":"regulator. And I stand over"},{"speaker":"Carl Widger","startTime":4941.73,"endTime":4942.39,"body":"those also."},{"speaker":"Nick Lincoln","startTime":4942.449,"endTime":4943.799,"body":"Yeah, well,"},{"speaker":"Nick Lincoln","startTime":4942.449,"endTime":4943.799,"body":"that's, that's, that's the"},{"speaker":"Nick Lincoln","startTime":4943.799,"endTime":4946.679,"body":"important thing called you can"},{"speaker":"Nick Lincoln","startTime":4943.799,"endTime":4946.679,"body":"stand by what you've said. And"},{"speaker":"Nick Lincoln","startTime":4946.679,"endTime":4950.369,"body":"that's that's the integrity."},{"speaker":"Nick Lincoln","startTime":4946.679,"endTime":4950.369,"body":"Wherever you go. We go over this"},{"speaker":"Nick Lincoln","startTime":4951.929,"endTime":4955.829,"body":"Man in the Arena thing, you"},{"speaker":"Nick Lincoln","startTime":4951.929,"endTime":4955.829,"body":"know, you can Okay, so, so no,"},{"speaker":"Nick Lincoln","startTime":4955.829,"endTime":4959.669,"body":"I'm being I'm actually being"},{"speaker":"Nick Lincoln","startTime":4955.829,"endTime":4959.669,"body":"genuine. Now, Mr. Hunter. Come"},{"speaker":"Nick Lincoln","startTime":4959.669,"endTime":4962.489,"body":"on. We're one one hour 21"},{"speaker":"Nick Lincoln","startTime":4959.669,"endTime":4962.489,"body":"minutes for the love of Christ."},{"speaker":"Nick Lincoln","startTime":4964.3189999999995,"endTime":4968.489,"body":"spellcaster the full, the full"},{"speaker":"Nick Lincoln","startTime":4964.3189999999995,"endTime":4968.489,"body":"of sand bank mint fried. Mr."},{"speaker":"Nick Lincoln","startTime":4968.489,"endTime":4969.059,"body":"Hart?"},{"speaker":"Andy Hart","startTime":4969.51,"endTime":4974.07,"body":"Yeah, so this is a"},{"speaker":"Andy Hart","startTime":4969.51,"endTime":4974.07,"body":"new podcast from wondery which"},{"speaker":"Andy Hart","startTime":4974.07,"endTime":4977.67,"body":"is a famous podcast studio and"},{"speaker":"Andy Hart","startTime":4974.07,"endTime":4977.67,"body":"they put it together spellcaster"},{"speaker":"Andy Hart","startTime":4977.67,"endTime":4984.93,"body":"the full of Sam bank when fried,"},{"speaker":"Andy Hart","startTime":4977.67,"endTime":4984.93,"body":"which is the SB read free FB FBF"},{"speaker":"Andy Hart","startTime":4985.08,"endTime":4988.05,"body":"anybody should think about this"},{"speaker":"Andy Hart","startTime":4985.08,"endTime":4988.05,"body":"as this whole story about he was"},{"speaker":"Andy Hart","startTime":4988.05,"endTime":4992.88,"body":"a massive donator to the"},{"speaker":"Andy Hart","startTime":4988.05,"endTime":4992.88,"body":"Effective Altruism industry."},{"speaker":"Andy Hart","startTime":4993.8099999999995,"endTime":5001.01,"body":"That went on a huge, you know,"},{"speaker":"Andy Hart","startTime":4993.8099999999995,"endTime":5001.01,"body":"rise and tear, mainly sort of"},{"speaker":"Andy Hart","startTime":5001.04,"endTime":5006.17,"body":"backed and funded or to a part"},{"speaker":"Andy Hart","startTime":5001.04,"endTime":5006.17,"body":"four he was up to. I know,"},{"speaker":"Andy Hart","startTime":5006.17,"endTime":5008.0,"body":"obviously, Michael Lewis is"},{"speaker":"Andy Hart","startTime":5006.17,"endTime":5008.0,"body":"going to cover this there's"},{"speaker":"Andy Hart","startTime":5008.0,"endTime":5010.13,"body":"going to be loads of different"},{"speaker":"Andy Hart","startTime":5008.0,"endTime":5010.13,"body":"podcasts loads of different"},{"speaker":"Andy Hart","startTime":5010.13,"endTime":5013.82,"body":"films. But yeah, I thought it"},{"speaker":"Andy Hart","startTime":5010.13,"endTime":5013.82,"body":"was I've listened to the first"},{"speaker":"Andy Hart","startTime":5013.82,"endTime":5016.3099999999995,"body":"one. It's it's pretty decent"},{"speaker":"Andy Hart","startTime":5013.82,"endTime":5016.3099999999995,"body":"classic wonder it's quite"},{"speaker":"Andy Hart","startTime":5016.3099999999995,"endTime":5021.26,"body":"American. But yeah, decent and"},{"speaker":"Andy Hart","startTime":5016.3099999999995,"endTime":5021.26,"body":"worth a was that worth a listen."},{"speaker":"Andy Hart","startTime":5021.41,"endTime":5023.21,"body":"But yeah. Does anyone have any"},{"speaker":"Andy Hart","startTime":5021.41,"endTime":5023.21,"body":"comments about this Effective"},{"speaker":"Andy Hart","startTime":5023.21,"endTime":5026.21,"body":"Altruism thing that you've"},{"speaker":"Andy Hart","startTime":5023.21,"endTime":5026.21,"body":"looked into? Or? Yes,"},{"speaker":"Nick Lincoln","startTime":5026.5999999999995,"endTime":5028.19,"body":"it's a bloody"},{"speaker":"Nick Lincoln","startTime":5026.5999999999995,"endTime":5028.19,"body":"fraud. This guy was an"},{"speaker":"Nick Lincoln","startTime":5028.19,"endTime":5031.7,"body":"absolutely crook. And he bent"},{"speaker":"Nick Lincoln","startTime":5028.19,"endTime":5031.7,"body":"himself in this Effective"},{"speaker":"Nick Lincoln","startTime":5031.7,"endTime":5036.0199999999995,"body":"Altruism thing and all the woker"},{"speaker":"Nick Lincoln","startTime":5031.7,"endTime":5036.0199999999995,"body":"RT couldn't wait to suck up to"},{"speaker":"Nick Lincoln","startTime":5036.0199999999995,"endTime":5036.95,"body":"the guy and it's an hour and"},{"speaker":"Alan Smith","startTime":5039.17,"endTime":5044.78,"body":"I think this guy is"},{"speaker":"Alan Smith","startTime":5039.17,"endTime":5044.78,"body":"it will McCaskill altruism i i"},{"speaker":"Alan Smith","startTime":5044.78,"endTime":5048.47,"body":"think he's legit. I think I've"},{"speaker":"Alan Smith","startTime":5044.78,"endTime":5048.47,"body":"got I don't know, I think he was"},{"speaker":"Alan Smith","startTime":5048.74,"endTime":5052.0999999999995,"body":"the incredible thing from what"},{"speaker":"Alan Smith","startTime":5048.74,"endTime":5052.0999999999995,"body":"I've seen or read or watched"},{"speaker":"Alan Smith","startTime":5052.0999999999995,"endTime":5056.18,"body":"about SPF is that he was I mean,"},{"speaker":"Alan Smith","startTime":5052.0999999999995,"endTime":5056.18,"body":"I'm not saying you should judge"},{"speaker":"Alan Smith","startTime":5056.18,"endTime":5058.88,"body":"people what they look like he"},{"speaker":"Alan Smith","startTime":5056.18,"endTime":5058.88,"body":"didn't look like the most"},{"speaker":"Alan Smith","startTime":5058.97,"endTime":5062.48,"body":"impressive character with with"},{"speaker":"Alan Smith","startTime":5058.97,"endTime":5062.48,"body":"his sort of mop of frizzy hair"},{"speaker":"Alan Smith","startTime":5062.48,"endTime":5065.09,"body":"and his and his shorts, wearing"},{"speaker":"Alan Smith","startTime":5062.48,"endTime":5065.09,"body":"your two big conferences and"},{"speaker":"Alan Smith","startTime":5065.09,"endTime":5068.8099999999995,"body":"things but he clearly was a good"},{"speaker":"Alan Smith","startTime":5065.09,"endTime":5068.8099999999995,"body":"salesman, like often these guys"},{"speaker":"Alan Smith","startTime":5068.8099999999995,"endTime":5071.36,"body":"are like Bernie Madoff was many"},{"speaker":"Alan Smith","startTime":5068.8099999999995,"endTime":5071.36,"body":"others where he was a brilliant"},{"speaker":"Alan Smith","startTime":5071.36,"endTime":5074.24,"body":"salesman, because I think he"},{"speaker":"Alan Smith","startTime":5071.36,"endTime":5074.24,"body":"hoodwinked McCaskill and a bunch"},{"speaker":"Alan Smith","startTime":5074.24,"endTime":5076.61,"body":"of these others to sort of get"},{"speaker":"Alan Smith","startTime":5074.24,"endTime":5076.61,"body":"behind him because they had"},{"speaker":"Alan Smith","startTime":5076.61,"endTime":5079.25,"body":"existing credibility, aren't"},{"speaker":"Alan Smith","startTime":5076.61,"endTime":5079.25,"body":"they? And he just sort of jumped"},{"speaker":"Alan Smith","startTime":5079.25,"endTime":5081.92,"body":"on the back of their credibility"},{"speaker":"Alan Smith","startTime":5079.25,"endTime":5081.92,"body":"I think they were as hoodwinked"},{"speaker":"Alan Smith","startTime":5081.95,"endTime":5085.19,"body":"as much as many others were, but"},{"speaker":"Alan Smith","startTime":5081.95,"endTime":5085.19,"body":"all the it's all going to come"},{"speaker":"Alan Smith","startTime":5085.19,"endTime":5087.23,"body":"out I mean, I don't know there's"},{"speaker":"Alan Smith","startTime":5085.19,"endTime":5087.23,"body":"a trial isn't it there's got to"},{"speaker":"Alan Smith","startTime":5087.23,"endTime":5089.78,"body":"be there's a trial coming out we"},{"speaker":"Alan Smith","startTime":5087.23,"endTime":5089.78,"body":"won't be till it was a couple"},{"speaker":"Alan Smith","startTime":5089.78,"endTime":5091.19,"body":"years next year. Now there's a"},{"speaker":"Nick Lincoln","startTime":5091.19,"endTime":5092.66,"body":"couple of couple"},{"speaker":"Nick Lincoln","startTime":5091.19,"endTime":5092.66,"body":"of trials you need to if you"},{"speaker":"Nick Lincoln","startTime":5092.66,"endTime":5095.63,"body":"need to boast about your"},{"speaker":"Nick Lincoln","startTime":5092.66,"endTime":5095.63,"body":"altruism it's you're already in"},{"speaker":"Nick Lincoln","startTime":5095.63,"endTime":5098.21,"body":"the in the bin as far as I'm"},{"speaker":"Nick Lincoln","startTime":5095.63,"endTime":5098.21,"body":"concerned. You do it you do it"},{"speaker":"Nick Lincoln","startTime":5098.21,"endTime":5100.37,"body":"yourself and you keep quiet"},{"speaker":"Nick Lincoln","startTime":5098.21,"endTime":5100.37,"body":"about it. You don't leave start"},{"speaker":"Nick Lincoln","startTime":5100.37,"endTime":5102.5599999999995,"body":"writing books about it for"},{"speaker":"Nick Lincoln","startTime":5100.37,"endTime":5102.5599999999995,"body":"Christ's sake. And that's the"},{"speaker":"Nick Lincoln","startTime":5102.5599999999995,"endTime":5106.04,"body":"received word of God to end this"},{"speaker":"Nick Lincoln","startTime":5102.5599999999995,"endTime":5106.04,"body":"show on there's a fair enough"},{"speaker":"Nick Lincoln","startTime":5106.04,"endTime":5107.87,"body":"guys one minute 21 hour 23"},{"speaker":"Alan Smith","startTime":5108.199,"endTime":5109.999,"body":"Well, I'd be"},{"speaker":"Alan Smith","startTime":5108.199,"endTime":5109.999,"body":"disappointed if we wrap up"},{"speaker":"Alan Smith","startTime":5109.999,"endTime":5117.709,"body":"before hearing about Andy Andy's"},{"speaker":"Alan Smith","startTime":5109.999,"endTime":5117.709,"body":"drop. You want to hear and then"},{"speaker":"Alan Smith","startTime":5117.709,"endTime":5119.389,"body":"we can finish Come on."},{"speaker":"Nick Lincoln","startTime":5119.42,"endTime":5120.98,"body":"This is random"},{"speaker":"Nick Lincoln","startTime":5119.42,"endTime":5120.98,"body":"detractors enjoy"},{"speaker":"Unknown","startTime":5126.38,"endTime":5132.59,"body":"Darien Andy, he knows"},{"speaker":"Unknown","startTime":5126.38,"endTime":5132.59,"body":"about everything Andy can be"},{"speaker":"Unknown","startTime":5132.59,"endTime":5140.99,"body":"told anything. His name is"},{"speaker":"Unknown","startTime":5132.59,"endTime":5140.99,"body":"Andrew Hart. There you go, there"},{"speaker":"Unknown","startTime":5140.99,"endTime":5141.38,"body":"you go."},{"speaker":"Andy Hart","startTime":5142.3099999999995,"endTime":5144.86,"body":"I've now got a rock"},{"speaker":"Andy Hart","startTime":5142.3099999999995,"endTime":5144.86,"body":"up at three airport with a"},{"speaker":"Andy Hart","startTime":5144.86,"endTime":5148.37,"body":"ticket it says Andy Hartley. My"},{"speaker":"Andy Hart","startTime":5144.86,"endTime":5148.37,"body":"name is Andrew Hart. So wish me"},{"speaker":"Andy Hart","startTime":5148.43,"endTime":5150.32,"body":"good luck with that people. Good"},{"speaker":"Andy Hart","startTime":5148.43,"endTime":5150.32,"body":"luck."},{"speaker":"Nick Lincoln","startTime":5151.58,"endTime":5156.32,"body":"Good luck and"},{"speaker":"Nick Lincoln","startTime":5151.58,"endTime":5156.32,"body":"enjoy. Enjoy both prayers."},{"speaker":"Nick Lincoln","startTime":5156.38,"endTime":5159.92,"body":"That's indeed in every respect."},{"speaker":"Nick Lincoln","startTime":5156.38,"endTime":5159.92,"body":"That is a wrap for this episode."},{"speaker":"Nick Lincoln","startTime":5159.92,"endTime":5162.29,"body":"Dear trapeze. Thank you as ever"},{"speaker":"Nick Lincoln","startTime":5159.92,"endTime":5162.29,"body":"for your time and input please"},{"speaker":"Nick Lincoln","startTime":5162.29,"endTime":5165.0199999999995,"body":"do leave a six and a five star"},{"speaker":"Nick Lincoln","startTime":5162.29,"endTime":5165.0199999999995,"body":"review on iTunes like and"},{"speaker":"Nick Lincoln","startTime":5165.0199999999995,"endTime":5167.36,"body":"subscribe to our YouTube"},{"speaker":"Nick Lincoln","startTime":5165.0199999999995,"endTime":5167.36,"body":"channel. We got about 300 and"},{"speaker":"Nick Lincoln","startTime":5167.39,"endTime":5169.4,"body":"something subscribers to the"},{"speaker":"Nick Lincoln","startTime":5167.39,"endTime":5169.4,"body":"YouTube channel now which is"},{"speaker":"Nick Lincoln","startTime":5169.43,"endTime":5173.36,"body":"which is pretty hefty. Until the"},{"speaker":"Nick Lincoln","startTime":5169.43,"endTime":5173.36,"body":"meantime from the Track Pack"},{"speaker":"Nick Lincoln","startTime":5173.36,"endTime":5177.68,"body":"it's Addy OS and take care of"},{"speaker":"Nick Lincoln","startTime":5173.36,"endTime":5177.68,"body":"their folks. Goodbye. Hi"}]}