{"version":"1.0.0","segments":[{"speaker":"Unknown","startTime":5.4,"endTime":10.41,"body":"Welcome to The Real"},{"speaker":"Unknown","startTime":5.4,"endTime":10.41,"body":"advisor podcast, T R A P trap."},{"speaker":"Unknown","startTime":10.83,"endTime":14.04,"body":"Please follow us and join in the"},{"speaker":"Unknown","startTime":10.83,"endTime":14.04,"body":"conversation on Twitter at"},{"speaker":"Unknown","startTime":14.04,"endTime":17.79,"body":"advisor podcast where you can"},{"speaker":"Unknown","startTime":14.04,"endTime":17.79,"body":"suggest ideas and themes you'd"},{"speaker":"Unknown","startTime":17.79,"endTime":21.24,"body":"like the track team to discuss."},{"speaker":"Unknown","startTime":17.79,"endTime":21.24,"body":"Also remember to like and"},{"speaker":"Unknown","startTime":21.24,"endTime":24.9,"body":"subscribe to our YouTube channel"},{"speaker":"Unknown","startTime":21.24,"endTime":24.9,"body":"and leave a six out of five star"},{"speaker":"Unknown","startTime":24.9,"endTime":28.86,"body":"review on iTunes. Doing all this"},{"speaker":"Unknown","startTime":24.9,"endTime":28.86,"body":"really really helps us which"},{"speaker":"Unknown","startTime":28.86,"endTime":32.31,"body":"means we can do more to help"},{"speaker":"Unknown","startTime":28.86,"endTime":32.31,"body":"you. Now let's head over to the"},{"speaker":"Unknown","startTime":32.31,"endTime":34.65,"body":"studio for the latest pile of"},{"speaker":"Unknown","startTime":32.31,"endTime":34.65,"body":"trap."},{"speaker":"Nick Lincoln","startTime":39.09,"endTime":41.79,"body":"Yes, indeed, dear"},{"speaker":"Nick Lincoln","startTime":39.09,"endTime":41.79,"body":"TRAPPIST, welcome back to"},{"speaker":"Nick Lincoln","startTime":41.79,"endTime":48.93,"body":"Episode 30 of the real advice"},{"speaker":"Nick Lincoln","startTime":41.79,"endTime":48.93,"body":"podcast T R A P trap. My name is"},{"speaker":"Nick Lincoln","startTime":48.93,"endTime":50.97,"body":"Lincoln Lincoln and joining me"},{"speaker":"Nick Lincoln","startTime":48.93,"endTime":50.97,"body":"as ever other three other"},{"speaker":"Nick Lincoln","startTime":50.97,"endTime":55.83,"body":"Horsemen of the Apocalypse and"},{"speaker":"Nick Lincoln","startTime":50.97,"endTime":55.83,"body":"the hearts call the voice of"},{"speaker":"Nick Lincoln","startTime":55.83,"endTime":62.13,"body":"widger and Alan the story teller"},{"speaker":"Nick Lincoln","startTime":55.83,"endTime":62.13,"body":"Smith now dear Trappists, we are"},{"speaker":"Nick Lincoln","startTime":63.45,"endTime":66.27,"body":"yes, running on fumes might be"},{"speaker":"Nick Lincoln","startTime":63.45,"endTime":66.27,"body":"too kind today. We'll talk about"},{"speaker":"Nick Lincoln","startTime":66.27,"endTime":69.99,"body":"that in a moment. So do forgive"},{"speaker":"Nick Lincoln","startTime":66.27,"endTime":69.99,"body":"us if we're slightly slightly"},{"speaker":"Nick Lincoln","startTime":69.99,"endTime":74.13,"body":"contemplate discussions today. A"},{"speaker":"Nick Lincoln","startTime":69.99,"endTime":74.13,"body":"star certainly further ado"},{"speaker":"Nick Lincoln","startTime":74.13,"endTime":76.62,"body":"though, without any further ado,"},{"speaker":"Nick Lincoln","startTime":74.13,"endTime":76.62,"body":"let's let's just bring up the"},{"speaker":"Nick Lincoln","startTime":76.62,"endTime":80.91,"body":"energy bus back into the"},{"speaker":"Nick Lincoln","startTime":76.62,"endTime":80.91,"body":"recording. By going over to my"},{"speaker":"Nick Lincoln","startTime":80.91,"endTime":85.26,"body":"good friend Mr. Andrew Hall for"},{"speaker":"Nick Lincoln","startTime":80.91,"endTime":85.26,"body":"any number of high energy review"},{"speaker":"Nick Lincoln","startTime":85.26,"endTime":87.6,"body":"reads of the real advisor"},{"speaker":"Nick Lincoln","startTime":85.26,"endTime":87.6,"body":"podcast just hop"},{"speaker":"Andy Hart","startTime":88.649,"endTime":93.479,"body":"right over to me."},{"speaker":"Andy Hart","startTime":88.649,"endTime":93.479,"body":"Okay. First review is from Dara"},{"speaker":"Andy Hart","startTime":93.479,"endTime":96.599,"body":"O'Connor, who's based in"},{"speaker":"Andy Hart","startTime":93.479,"endTime":96.599,"body":"Ireland. It's entitled"},{"speaker":"Andy Hart","startTime":96.599,"endTime":100.349,"body":"outstanding podcasts with four"},{"speaker":"Andy Hart","startTime":96.599,"endTime":100.349,"body":"pioneers of the noble profession"},{"speaker":"Andy Hart","startTime":100.349,"endTime":103.469,"body":"five stars. As a financial"},{"speaker":"Andy Hart","startTime":100.349,"endTime":103.469,"body":"advisor based in Ireland, I"},{"speaker":"Andy Hart","startTime":103.469,"endTime":106.319,"body":"followed all four members of the"},{"speaker":"Andy Hart","startTime":103.469,"endTime":106.319,"body":"trap for many years. I'm"},{"speaker":"Andy Hart","startTime":106.319,"endTime":109.859,"body":"currently running a product"},{"speaker":"Andy Hart","startTime":106.319,"endTime":109.859,"body":"selling transactional brokerage."},{"speaker":"Andy Hart","startTime":110.309,"endTime":112.289,"body":"I've wanted to make the"},{"speaker":"Andy Hart","startTime":110.309,"endTime":112.289,"body":"commitment to transform the"},{"speaker":"Andy Hart","startTime":112.289,"endTime":115.589,"body":"business into proper financial"},{"speaker":"Andy Hart","startTime":112.289,"endTime":115.589,"body":"planning firm for many years,"},{"speaker":"Andy Hart","startTime":115.769,"endTime":117.929,"body":"but I've never made the"},{"speaker":"Andy Hart","startTime":115.769,"endTime":117.929,"body":"commitment listening to the"},{"speaker":"Andy Hart","startTime":117.929,"endTime":121.829,"body":"gents talk about real financial"},{"speaker":"Andy Hart","startTime":117.929,"endTime":121.829,"body":"planning in such great detail"},{"speaker":"Andy Hart","startTime":121.889,"endTime":124.559,"body":"has been the catalyst I've"},{"speaker":"Andy Hart","startTime":121.889,"endTime":124.559,"body":"needed to make the change."},{"speaker":"Andy Hart","startTime":124.769,"endTime":126.929,"body":"Hearing the meaningful"},{"speaker":"Andy Hart","startTime":124.769,"endTime":126.929,"body":"relationships I've developed"},{"speaker":"Andy Hart","startTime":126.929,"endTime":129.689,"body":"with clients and the true job"},{"speaker":"Andy Hart","startTime":126.929,"endTime":129.689,"body":"satisfaction that they get from"},{"speaker":"Andy Hart","startTime":129.689,"endTime":132.029,"body":"providing real financial"},{"speaker":"Andy Hart","startTime":129.689,"endTime":132.029,"body":"planning has been inspirational."},{"speaker":"Andy Hart","startTime":132.479,"endTime":134.699,"body":"These four gents are true"},{"speaker":"Andy Hart","startTime":132.479,"endTime":134.699,"body":"pioneers of this noble"},{"speaker":"Andy Hart","startTime":134.699,"endTime":137.189,"body":"profession and I'm extremely"},{"speaker":"Andy Hart","startTime":134.699,"endTime":137.189,"body":"grateful for each of their"},{"speaker":"Andy Hart","startTime":137.189,"endTime":140.249,"body":"contributions and willingness to"},{"speaker":"Andy Hart","startTime":137.189,"endTime":140.249,"body":"share their expertise. Thanks,"},{"speaker":"Andy Hart","startTime":140.249,"endTime":143.549,"body":"lads thorough, superb review"},{"speaker":"Andy Hart","startTime":140.249,"endTime":143.549,"body":"some of you might want to"},{"speaker":"Andy Hart","startTime":143.609,"endTime":148.649,"body":"comment on that in a second."},{"speaker":"Andy Hart","startTime":143.609,"endTime":148.649,"body":"final review is from Wigan 11 a"},{"speaker":"Andy Hart","startTime":148.649,"endTime":152.909,"body":"great show packed full of"},{"speaker":"Andy Hart","startTime":148.649,"endTime":152.909,"body":"nothing. Five stars a fantastic"},{"speaker":"Andy Hart","startTime":152.909,"endTime":154.919,"body":"show with great honesty"},{"speaker":"Andy Hart","startTime":152.909,"endTime":154.919,"body":"discussion and practical"},{"speaker":"Andy Hart","startTime":154.919,"endTime":157.469,"body":"takeaways highly recommend to"},{"speaker":"Andy Hart","startTime":154.919,"endTime":157.469,"body":"anyone in the in the financial"},{"speaker":"Andy Hart","startTime":157.469,"endTime":160.589,"body":"visor profession, especially"},{"speaker":"Andy Hart","startTime":157.469,"endTime":160.589,"body":"those just starting out. It's"},{"speaker":"Andy Hart","startTime":160.589,"endTime":164.699,"body":"awesome to hear the opinions of"},{"speaker":"Andy Hart","startTime":160.589,"endTime":164.699,"body":"those who have been there and"},{"speaker":"Andy Hart","startTime":164.699,"endTime":166.439,"body":"done it back to your boss."},{"speaker":"Nick Lincoln","startTime":167.82,"endTime":169.83,"body":"Great stuff. Great"},{"speaker":"Nick Lincoln","startTime":167.82,"endTime":169.83,"body":"stuff, thanks ever TRAPPIST for"},{"speaker":"Nick Lincoln","startTime":169.83,"endTime":172.32,"body":"your reviews and that as we're"},{"speaker":"Nick Lincoln","startTime":169.83,"endTime":172.32,"body":"starting to set up if you if you"},{"speaker":"Nick Lincoln","startTime":172.32,"endTime":174.54,"body":"feel comfortable doing it,"},{"speaker":"Nick Lincoln","startTime":172.32,"endTime":174.54,"body":"please do leave your real name"},{"speaker":"Nick Lincoln","startTime":174.54,"endTime":177.78,"body":"in the review so we can call you"},{"speaker":"Nick Lincoln","startTime":174.54,"endTime":177.78,"body":"out and then tag you and"},{"speaker":"Nick Lincoln","startTime":177.78,"endTime":180.78,"body":"engender a sense of community"},{"speaker":"Nick Lincoln","startTime":177.78,"endTime":180.78,"body":"because a lovely review from"},{"speaker":"Nick Lincoln","startTime":180.78,"endTime":184.44,"body":"you. We're going to learn but no"},{"speaker":"Nick Lincoln","startTime":180.78,"endTime":184.44,"body":"no idea who you are. If you"},{"speaker":"Nick Lincoln","startTime":184.44,"endTime":185.97,"body":"don't want to do it, that's"},{"speaker":"Nick Lincoln","startTime":184.44,"endTime":185.97,"body":"absolutely fine. Some people"},{"speaker":"Nick Lincoln","startTime":185.97,"endTime":187.98,"body":"want to remain anonymous, but"},{"speaker":"Nick Lincoln","startTime":185.97,"endTime":187.98,"body":"Darras review there is very"},{"speaker":"Nick Lincoln","startTime":187.98,"endTime":191.13,"body":"brave saying I've run a"},{"speaker":"Nick Lincoln","startTime":187.98,"endTime":191.13,"body":"transactional business. I'm"},{"speaker":"Nick Lincoln","startTime":191.13,"endTime":193.53,"body":"gonna go to this and he's put"},{"speaker":"Nick Lincoln","startTime":191.13,"endTime":193.53,"body":"his name to it. So that's,"},{"speaker":"Nick Lincoln","startTime":193.68,"endTime":194.79,"body":"that's lovely. Thanks, Derek."},{"speaker":"Alan Smith","startTime":197.04,"endTime":200.07,"body":"A couple of times"},{"speaker":"Alan Smith","startTime":197.04,"endTime":200.07,"body":"really nice guy. And you're"},{"speaker":"Alan Smith","startTime":200.07,"endTime":203.97,"body":"very, very genuine in terms of I"},{"speaker":"Alan Smith","startTime":200.07,"endTime":203.97,"body":"believe I remember correctly he"},{"speaker":"Alan Smith","startTime":204.72,"endTime":210.06,"body":"feels taken Yeah, that he is"},{"speaker":"Alan Smith","startTime":204.72,"endTime":210.06,"body":"close personal friend. He I"},{"speaker":"Alan Smith","startTime":210.06,"endTime":213.06,"body":"think he's taken over his"},{"speaker":"Alan Smith","startTime":210.06,"endTime":213.06,"body":"father's business. If I if I"},{"speaker":"Alan Smith","startTime":213.06,"endTime":215.55,"body":"remember correctly, there's a"},{"speaker":"Alan Smith","startTime":213.06,"endTime":215.55,"body":"lot of that sort of up and down"},{"speaker":"Alan Smith","startTime":215.55,"endTime":217.98,"body":"the country is known in Ireland"},{"speaker":"Alan Smith","startTime":215.55,"endTime":217.98,"body":"and everywhere else that kind of"},{"speaker":"Alan Smith","startTime":217.98,"endTime":221.01,"body":"intergenerational sort of the"},{"speaker":"Alan Smith","startTime":217.98,"endTime":221.01,"body":"way things used to be done and"},{"speaker":"Alan Smith","startTime":221.01,"endTime":224.43,"body":"moving into a much more kind of"},{"speaker":"Alan Smith","startTime":221.01,"endTime":224.43,"body":"Yeah, active financial planning"},{"speaker":"Alan Smith","startTime":224.43,"endTime":227.4,"body":"led business and great Fedora"},{"speaker":"Alan Smith","startTime":224.43,"endTime":227.4,"body":"he's you've been across the UK a"},{"speaker":"Alan Smith","startTime":227.4,"endTime":231.36,"body":"couple of times and he's got"},{"speaker":"Alan Smith","startTime":227.4,"endTime":231.36,"body":"what was that?"},{"speaker":"Carl Widger","startTime":234.09,"endTime":236.64,"body":"Trying to get my"},{"speaker":"Carl Widger","startTime":234.09,"endTime":236.64,"body":"words out here. Yeah, no fair"},{"speaker":"Carl Widger","startTime":236.64,"endTime":240.96,"body":"play to number one. Yeah,"},{"speaker":"Carl Widger","startTime":236.64,"endTime":240.96,"body":"someone just very proud of you."},{"speaker":"Carl Widger","startTime":241.41,"endTime":245.25,"body":"And are all I'd say is just go"},{"speaker":"Carl Widger","startTime":241.41,"endTime":245.25,"body":"for it man. Just go for it. You"},{"speaker":"Carl Widger","startTime":245.25,"endTime":248.37,"body":"will thank yourself. It does no"},{"speaker":"Carl Widger","startTime":245.25,"endTime":248.37,"body":"doubt it'll be tough going for a"},{"speaker":"Carl Widger","startTime":248.37,"endTime":251.31,"body":"couple of years but you will"},{"speaker":"Carl Widger","startTime":248.37,"endTime":251.31,"body":"thank yourself in the future for"},{"speaker":"Carl Widger","startTime":251.31,"endTime":252.96,"body":"sure. Go for it. Well done."},{"speaker":"Nick Lincoln","startTime":254.28,"endTime":257.04,"body":"Okay, great stuff."},{"speaker":"Nick Lincoln","startTime":254.28,"endTime":257.04,"body":"Great stuff. So why are we at"},{"speaker":"Nick Lincoln","startTime":257.04,"endTime":260.76,"body":"dusty why are we a bit rusty,"},{"speaker":"Nick Lincoln","startTime":257.04,"endTime":260.76,"body":"why are a bit crusty? Well, the"},{"speaker":"Nick Lincoln","startTime":260.76,"endTime":264.81,"body":"Track Pack went to went to Paris"},{"speaker":"Nick Lincoln","startTime":260.76,"endTime":264.81,"body":"to open the Rugby World Cup this"},{"speaker":"Nick Lincoln","startTime":264.81,"endTime":269.04,"body":"weekend. And it went very well."},{"speaker":"Nick Lincoln","startTime":264.81,"endTime":269.04,"body":"We had a fantastic time. Paris"},{"speaker":"Nick Lincoln","startTime":269.04,"endTime":272.4,"body":"was magnificent. It was I think"},{"speaker":"Nick Lincoln","startTime":269.04,"endTime":272.4,"body":"we had that seemed like the"},{"speaker":"Nick Lincoln","startTime":272.4,"endTime":275.34,"body":"weather in this neck of the"},{"speaker":"Nick Lincoln","startTime":272.4,"endTime":275.34,"body":"world was very good. It was"},{"speaker":"Nick Lincoln","startTime":275.34,"endTime":277.77,"body":"lovely in this country was"},{"speaker":"Nick Lincoln","startTime":275.34,"endTime":277.77,"body":"beautiful in Paris. With a"},{"speaker":"Nick Lincoln","startTime":277.77,"endTime":280.98,"body":"fantastic time he watched so far"},{"speaker":"Nick Lincoln","startTime":277.77,"endTime":280.98,"body":"the game of the tournament and"},{"speaker":"Nick Lincoln","startTime":280.98,"endTime":283.56,"body":"good luck to Samoa because they"},{"speaker":"Nick Lincoln","startTime":280.98,"endTime":283.56,"body":"nearly beat the will be"},{"speaker":"Nick Lincoln","startTime":283.56,"endTime":287.46,"body":"champions but they held on and"},{"speaker":"Nick Lincoln","startTime":283.56,"endTime":287.46,"body":"it was a good weekend. We went"},{"speaker":"Nick Lincoln","startTime":287.46,"endTime":295.41,"body":"we went we went to watch Ireland"},{"speaker":"Nick Lincoln","startTime":287.46,"endTime":295.41,"body":"versus Scotland and we had a"},{"speaker":"Nick Lincoln","startTime":295.41,"endTime":298.89,"body":"fantastic time. I don't really"},{"speaker":"Nick Lincoln","startTime":295.41,"endTime":298.89,"body":"have any downsides to it."},{"speaker":"Nick Lincoln","startTime":298.89,"endTime":300.93,"body":"Really. I think Smith would have"},{"speaker":"Nick Lincoln","startTime":298.89,"endTime":300.93,"body":"been To add a closer match, we"},{"speaker":"Nick Lincoln","startTime":300.93,"endTime":303.18,"body":"all would have enjoyed a closer"},{"speaker":"Nick Lincoln","startTime":300.93,"endTime":303.18,"body":"match but it was the atmosphere"},{"speaker":"Nick Lincoln","startTime":303.18,"endTime":308.73,"body":"was Paris is really expensive."},{"speaker":"Nick Lincoln","startTime":303.18,"endTime":308.73,"body":"It's London prices then add some"},{"speaker":"Nick Lincoln","startTime":308.73,"endTime":311.31,"body":"on so just bear that in mind."},{"speaker":"Nick Lincoln","startTime":308.73,"endTime":311.31,"body":"That's what I'm gonna send. I"},{"speaker":"Nick Lincoln","startTime":311.31,"endTime":313.68,"body":"really enjoyed it. car will"},{"speaker":"Nick Lincoln","startTime":311.31,"endTime":313.68,"body":"start with you just for quick"},{"speaker":"Nick Lincoln","startTime":313.68,"endTime":314.88,"body":"reflection on the weekend."},{"speaker":"Carl Widger","startTime":315.45,"endTime":317.13,"body":"Yeah, look, it was"},{"speaker":"Carl Widger","startTime":315.45,"endTime":317.13,"body":"amazing. We should see that"},{"speaker":"Carl Widger","startTime":317.13,"endTime":320.16,"body":"we're although this is going out"},{"speaker":"Carl Widger","startTime":317.13,"endTime":320.16,"body":"on Thursday we're recording this"},{"speaker":"Carl Widger","startTime":320.16,"endTime":323.34,"body":"on Monday morning, whoever"},{"speaker":"Carl Widger","startTime":320.16,"endTime":323.34,"body":"decided that that was a good"},{"speaker":"Carl Widger","startTime":323.34,"endTime":327.27,"body":"idea. Having returned home late"},{"speaker":"Carl Widger","startTime":323.34,"endTime":327.27,"body":"last night. This was not a good"},{"speaker":"Carl Widger","startTime":327.27,"endTime":330.63,"body":"idea. Anyway, we get through it."},{"speaker":"Carl Widger","startTime":327.27,"endTime":330.63,"body":"But yeah, it was just amazing."},{"speaker":"Carl Widger","startTime":330.63,"endTime":333.27,"body":"We had such you know, a lot of"},{"speaker":"Carl Widger","startTime":330.63,"endTime":333.27,"body":"fun. We met up on Friday"},{"speaker":"Carl Widger","startTime":333.27,"endTime":338.37,"body":"afternoon. And you know, we had"},{"speaker":"Carl Widger","startTime":333.27,"endTime":338.37,"body":"an island booked beautiful"},{"speaker":"Carl Widger","startTime":338.37,"endTime":342.42,"body":"restaurant that his dad had been"},{"speaker":"Carl Widger","startTime":338.37,"endTime":342.42,"body":"in many years ago in Paris. We"},{"speaker":"Carl Widger","startTime":342.42,"endTime":347.31,"body":"had just, I would say more very"},{"speaker":"Carl Widger","startTime":342.42,"endTime":347.31,"body":"memorable, most magnificent"},{"speaker":"Carl Widger","startTime":347.31,"endTime":350.79,"body":"launch in mid March, before we"},{"speaker":"Carl Widger","startTime":347.31,"endTime":350.79,"body":"went out to the game and it was"},{"speaker":"Carl Widger","startTime":351.06,"endTime":353.58,"body":"it was the game and the"},{"speaker":"Carl Widger","startTime":351.06,"endTime":353.58,"body":"atmosphere and the Irish fans"},{"speaker":"Carl Widger","startTime":353.58,"endTime":356.61,"body":"just took the place over was"},{"speaker":"Carl Widger","startTime":353.58,"endTime":356.61,"body":"amazing. But when I when I"},{"speaker":"Carl Widger","startTime":356.61,"endTime":359.22,"body":"reflect I know I will definitely"},{"speaker":"Carl Widger","startTime":356.61,"endTime":359.22,"body":"definitely remember the"},{"speaker":"Carl Widger","startTime":359.22,"endTime":361.86,"body":"afternoon we spent in that"},{"speaker":"Carl Widger","startTime":359.22,"endTime":361.86,"body":"restaurant. As much as I will"},{"speaker":"Carl Widger","startTime":361.86,"endTime":364.35,"body":"remember remember the match"},{"speaker":"Carl Widger","startTime":361.86,"endTime":364.35,"body":"garden rugby team are bloody"},{"speaker":"Carl Widger","startTime":364.35,"endTime":368.1,"body":"magnificent. I really just hope"},{"speaker":"Carl Widger","startTime":364.35,"endTime":368.1,"body":"that they can keep this going to"},{"speaker":"Carl Widger","startTime":368.1,"endTime":371.82,"body":"have three more weekends,"},{"speaker":"Carl Widger","startTime":368.1,"endTime":371.82,"body":"hopefully. But it can all come"},{"speaker":"Carl Widger","startTime":371.82,"endTime":376.32,"body":"crashing down in one weekend. So"},{"speaker":"Carl Widger","startTime":371.82,"endTime":376.32,"body":"that sport guys in it. You know,"},{"speaker":"Carl Widger","startTime":376.56,"endTime":379.26,"body":"we were all open for coastal"},{"speaker":"Carl Widger","startTime":376.56,"endTime":379.26,"body":"game. You guys definitely had to"},{"speaker":"Carl Widger","startTime":379.26,"endTime":382.47,"body":"be tucked in to be nervous about"},{"speaker":"Carl Widger","startTime":379.26,"endTime":382.47,"body":"Scotland. Yeah, that was causing"},{"speaker":"Carl Widger","startTime":382.47,"endTime":386.52,"body":"an upset. Which after 62 seconds"},{"speaker":"Carl Widger","startTime":382.47,"endTime":386.52,"body":"and James Logan across the line."},{"speaker":"Carl Widger","startTime":386.52,"endTime":390.03,"body":"It was like okay, maybe not. But"},{"speaker":"Carl Widger","startTime":386.52,"endTime":390.03,"body":"yeah, it was just brilliant. I"},{"speaker":"Carl Widger","startTime":390.03,"endTime":392.04,"body":"actually watched the game when I"},{"speaker":"Carl Widger","startTime":390.03,"endTime":392.04,"body":"came home last night with my"},{"speaker":"Carl Widger","startTime":392.04,"endTime":396.0,"body":"uncle. And it was like, yeah, it"},{"speaker":"Carl Widger","startTime":392.04,"endTime":396.0,"body":"was just a stunning, stunning"},{"speaker":"Carl Widger","startTime":396.0,"endTime":398.97,"body":"performance for the first 40 or"},{"speaker":"Carl Widger","startTime":396.0,"endTime":398.97,"body":"50 minutes from Ireland. But"},{"speaker":"Carl Widger","startTime":398.97,"endTime":401.25,"body":"yeah, brilliant, brilliant fun,"},{"speaker":"Carl Widger","startTime":398.97,"endTime":401.25,"body":"boys. And thanks for coming"},{"speaker":"Carl Widger","startTime":401.25,"endTime":404.4,"body":"along and making it so"},{"speaker":"Carl Widger","startTime":401.25,"endTime":404.4,"body":"memorable. Okay,"},{"speaker":"Andy Hart","startTime":404.82,"endTime":407.67,"body":"Mr. Hart? Or me?"},{"speaker":"Andy Hart","startTime":404.82,"endTime":407.67,"body":"Yeah, no, it was absolutely"},{"speaker":"Andy Hart","startTime":407.67,"endTime":410.55,"body":"fantastic. We could have asked"},{"speaker":"Andy Hart","startTime":407.67,"endTime":410.55,"body":"for more. We went over in the"},{"speaker":"Andy Hart","startTime":410.55,"endTime":414.99,"body":"Eurostar Friday afternoon. Two"},{"speaker":"Andy Hart","startTime":410.55,"endTime":414.99,"body":"hours and 20 minutes from"},{"speaker":"Andy Hart","startTime":414.99,"endTime":417.93,"body":"basically some Pancras straight"},{"speaker":"Andy Hart","startTime":414.99,"endTime":417.93,"body":"into, you know, Paris Central,"},{"speaker":"Andy Hart","startTime":417.93,"endTime":421.41,"body":"the weather was amazing. The"},{"speaker":"Andy Hart","startTime":417.93,"endTime":421.41,"body":"people in company they were"},{"speaker":"Andy Hart","startTime":421.47,"endTime":426.09,"body":"okay, we, we we got through it."},{"speaker":"Andy Hart","startTime":421.47,"endTime":426.09,"body":"We had a laugh, the game was"},{"speaker":"Andy Hart","startTime":426.09,"endTime":429.03,"body":"fantastic. Even traveling to the"},{"speaker":"Andy Hart","startTime":426.09,"endTime":429.03,"body":"stad de France. We were thinking"},{"speaker":"Andy Hart","startTime":429.03,"endTime":432.9,"body":"three hours. It took us maybe"},{"speaker":"Andy Hart","startTime":429.03,"endTime":432.9,"body":"about an hour. The crowds are on"},{"speaker":"Andy Hart","startTime":432.9,"endTime":435.15,"body":"good form. I mean, if it was a"},{"speaker":"Andy Hart","startTime":432.9,"endTime":435.15,"body":"football match, and they're at"},{"speaker":"Andy Hart","startTime":435.15,"endTime":437.22,"body":"each other then yeah, that"},{"speaker":"Andy Hart","startTime":435.15,"endTime":437.22,"body":"atmosphere would have been very"},{"speaker":"Andy Hart","startTime":437.22,"endTime":439.35,"body":"different. So I mean, the"},{"speaker":"Andy Hart","startTime":437.22,"endTime":439.35,"body":"Scottish and the Irish say,"},{"speaker":"Andy Hart","startTime":439.86,"endTime":442.17,"body":"Yeah, big, big fans of each"},{"speaker":"Andy Hart","startTime":439.86,"endTime":442.17,"body":"other. So yeah, it was"},{"speaker":"Andy Hart","startTime":442.17,"endTime":444.42,"body":"brilliant. We could have asked"},{"speaker":"Andy Hart","startTime":442.17,"endTime":444.42,"body":"for more. It was easy to get"},{"speaker":"Andy Hart","startTime":444.42,"endTime":447.15,"body":"beer in the stadium. The game is"},{"speaker":"Andy Hart","startTime":444.42,"endTime":447.15,"body":"a bit of a letdown to be fair,"},{"speaker":"Andy Hart","startTime":447.18,"endTime":450.51,"body":"we expected it to be a bit"},{"speaker":"Andy Hart","startTime":447.18,"endTime":450.51,"body":"tighter but it wasn't yeah"},{"speaker":"Andy Hart","startTime":450.51,"endTime":452.61,"body":"couldn't also more was a"},{"speaker":"Andy Hart","startTime":450.51,"endTime":452.61,"body":"basically a Carlsberg weekend."},{"speaker":"Andy Hart","startTime":453.3,"endTime":455.1,"body":"Over to you, Alan."},{"speaker":"Alan Smith","startTime":457.14,"endTime":458.55,"body":"Yeah, no, I"},{"speaker":"Andy Hart","startTime":458.55,"endTime":459.0,"body":"enjoyed it. Of"},{"speaker":"Alan Smith","startTime":459.0,"endTime":460.92,"body":"course I did. It was"},{"speaker":"Alan Smith","startTime":459.0,"endTime":460.92,"body":"it was a it was a fabulous"},{"speaker":"Alan Smith","startTime":460.92,"endTime":464.49,"body":"weekend. You're right car there"},{"speaker":"Alan Smith","startTime":460.92,"endTime":464.49,"body":"was something very for me quite"},{"speaker":"Alan Smith","startTime":464.58,"endTime":467.7,"body":"poignant. Almost resume as"},{"speaker":"Alan Smith","startTime":464.58,"endTime":467.7,"body":"mentioned before, my old man my"},{"speaker":"Alan Smith","startTime":467.7,"endTime":470.61,"body":"dad is in his 80s Now a big"},{"speaker":"Alan Smith","startTime":467.7,"endTime":470.61,"body":"rugby fan traveled the world"},{"speaker":"Alan Smith","startTime":471.15,"endTime":473.34,"body":"following the Scotland team and"},{"speaker":"Alan Smith","startTime":471.15,"endTime":473.34,"body":"he always said you love going"},{"speaker":"Alan Smith","startTime":473.34,"endTime":476.7,"body":"him and his his pals used to go"},{"speaker":"Alan Smith","startTime":473.34,"endTime":476.7,"body":"to this very same restaurant"},{"speaker":"Alan Smith","startTime":476.82,"endTime":479.49,"body":"that we went to. And before I"},{"speaker":"Alan Smith","startTime":476.82,"endTime":479.49,"body":"was going he sent me the details"},{"speaker":"Alan Smith","startTime":479.49,"endTime":483.06,"body":"in the address and we managed to"},{"speaker":"Alan Smith","startTime":479.49,"endTime":483.06,"body":"book it and we sat in the garden"},{"speaker":"Alan Smith","startTime":483.36,"endTime":486.0,"body":"just the four of us just sort of"},{"speaker":"Alan Smith","startTime":483.36,"endTime":486.0,"body":"chewing the fat talking about"},{"speaker":"Alan Smith","startTime":486.0,"endTime":489.87,"body":"everything and anything are a"},{"speaker":"Alan Smith","startTime":486.0,"endTime":489.87,"body":"thoroughly good time before we"},{"speaker":"Alan Smith","startTime":489.87,"endTime":492.87,"body":"set off for the match and of"},{"speaker":"Alan Smith","startTime":489.87,"endTime":492.87,"body":"course I went in there full of"},{"speaker":"Alan Smith","startTime":492.87,"endTime":495.39,"body":"high spirits and the kind of"},{"speaker":"Alan Smith","startTime":492.87,"endTime":495.39,"body":"well are Ireland are number one"},{"speaker":"Alan Smith","startTime":495.39,"endTime":498.87,"body":"in the world. But you never"},{"speaker":"Alan Smith","startTime":495.39,"endTime":498.87,"body":"know. It's 15 against 15 or"},{"speaker":"Alan Smith","startTime":498.87,"endTime":501.87,"body":"whatever they say nowadays. I"},{"speaker":"Alan Smith","startTime":498.87,"endTime":501.87,"body":"mean, one thing is you know,"},{"speaker":"Alan Smith","startTime":501.87,"endTime":504.63,"body":"I've I've traveled I've seen"},{"speaker":"Alan Smith","startTime":501.87,"endTime":504.63,"body":"Scotland football and rugby away"},{"speaker":"Alan Smith","startTime":504.63,"endTime":508.98,"body":"in many places before and as"},{"speaker":"Alan Smith","startTime":504.63,"endTime":508.98,"body":"usually a huge Scottish support."},{"speaker":"Alan Smith","startTime":509.31,"endTime":512.19,"body":"My God, we were outnumbered I'm"},{"speaker":"Alan Smith","startTime":509.31,"endTime":512.19,"body":"gonna say 10 to one, it felt"},{"speaker":"Alan Smith","startTime":512.19,"endTime":516.57,"body":"like 10 to one certainly two or"},{"speaker":"Alan Smith","startTime":512.19,"endTime":516.57,"body":"three to one minimal and you"},{"speaker":"Alan Smith","startTime":516.57,"endTime":518.67,"body":"know, there's me sort of singing"},{"speaker":"Alan Smith","startTime":516.57,"endTime":518.67,"body":"flowers Scotland at the top of"},{"speaker":"Alan Smith","startTime":518.67,"endTime":522.54,"body":"my voice. I felt pretty lonely"},{"speaker":"Alan Smith","startTime":518.67,"endTime":522.54,"body":"because all around me was a sea"},{"speaker":"Alan Smith","startTime":522.54,"endTime":525.72,"body":"of green but everyone was in"},{"speaker":"Alan Smith","startTime":522.54,"endTime":525.72,"body":"good spirits. Everyone was"},{"speaker":"Alan Smith","startTime":525.72,"endTime":528.45,"body":"positive obviously the huge"},{"speaker":"Alan Smith","startTime":525.72,"endTime":528.45,"body":"Irish contingent were extremely"},{"speaker":"Alan Smith","startTime":528.54,"endTime":533.28,"body":"happy and positive. Overall was"},{"speaker":"Alan Smith","startTime":528.54,"endTime":533.28,"body":"It was fabulous. I nearly sort"},{"speaker":"Alan Smith","startTime":533.28,"endTime":537.66,"body":"of last thing I'll check into"},{"speaker":"Alan Smith","startTime":533.28,"endTime":537.66,"body":"the mix is the it's kind of"},{"speaker":"Alan Smith","startTime":537.66,"endTime":539.73,"body":"become well documented what"},{"speaker":"Alan Smith","startTime":537.66,"endTime":539.73,"body":"Ireland did because it wasn't"},{"speaker":"Alan Smith","startTime":539.73,"endTime":542.97,"body":"long ago, Ireland were pretty"},{"speaker":"Alan Smith","startTime":539.73,"endTime":542.97,"body":"much pretty mediocre as a rugby"},{"speaker":"Alan Smith","startTime":542.97,"endTime":546.87,"body":"team. And within the space of a"},{"speaker":"Alan Smith","startTime":542.97,"endTime":546.87,"body":"few years, they're now the the"},{"speaker":"Alan Smith","startTime":546.87,"endTime":549.12,"body":"best in the world. Because"},{"speaker":"Alan Smith","startTime":546.87,"endTime":549.12,"body":"there's I think there's lessons"},{"speaker":"Alan Smith","startTime":549.12,"endTime":551.85,"body":"to be learned there in terms of"},{"speaker":"Alan Smith","startTime":549.12,"endTime":551.85,"body":"business, other sports, how they"},{"speaker":"Alan Smith","startTime":551.85,"endTime":555.48,"body":"actually had a long term plan to"},{"speaker":"Alan Smith","startTime":551.85,"endTime":555.48,"body":"create this kind of model, which"},{"speaker":"Alan Smith","startTime":555.48,"endTime":560.1,"body":"they now do and are now taken to"},{"speaker":"Alan Smith","startTime":555.48,"endTime":560.1,"body":"to the world. That's all Nick,"},{"speaker":"Alan Smith","startTime":560.19,"endTime":560.7,"body":"back to you."},{"speaker":"Nick Lincoln","startTime":561.48,"endTime":566.58,"body":"Great stuff. Okay."},{"speaker":"Nick Lincoln","startTime":561.48,"endTime":566.58,"body":"Fires now. Okay, I'm gonna go"},{"speaker":"Nick Lincoln","startTime":566.58,"endTime":566.79,"body":"ahead"},{"speaker":"Andy Hart","startTime":567.96,"endTime":569.97,"body":"and say final thing,"},{"speaker":"Andy Hart","startTime":567.96,"endTime":569.97,"body":"just again, add some more"},{"speaker":"Andy Hart","startTime":569.97,"endTime":573.27,"body":"context to it. So I think the"},{"speaker":"Andy Hart","startTime":569.97,"endTime":573.27,"body":"game finished around about"},{"speaker":"Andy Hart","startTime":573.3,"endTime":576.54,"body":"11 1115 took a little bit of"},{"speaker":"Andy Hart","startTime":573.3,"endTime":576.54,"body":"time to get out the stadium."},{"speaker":"Andy Hart","startTime":577.14,"endTime":579.6,"body":"There was no chance we were"},{"speaker":"Andy Hart","startTime":577.14,"endTime":579.6,"body":"getting on the metro no chance"},{"speaker":"Andy Hart","startTime":579.6,"endTime":581.76,"body":"we're gonna get an overnight"},{"speaker":"Andy Hart","startTime":579.6,"endTime":581.76,"body":"chance we're getting a cab so we"},{"speaker":"Andy Hart","startTime":581.76,"endTime":585.36,"body":"were forced to hang around. And"},{"speaker":"Andy Hart","startTime":581.76,"endTime":585.36,"body":"it was a pure carnival"},{"speaker":"Andy Hart","startTime":585.36,"endTime":587.91,"body":"atmosphere. The bars were"},{"speaker":"Andy Hart","startTime":585.36,"endTime":587.91,"body":"absolutely going off. I mean,"},{"speaker":"Andy Hart","startTime":587.91,"endTime":590.58,"body":"the music everyone outside"},{"speaker":"Andy Hart","startTime":587.91,"endTime":590.58,"body":"drinking, it was nice warm"},{"speaker":"Andy Hart","startTime":590.58,"endTime":593.52,"body":"weather. We couldn't have asked"},{"speaker":"Andy Hart","startTime":590.58,"endTime":593.52,"body":"for more, I think I think me and"},{"speaker":"Andy Hart","startTime":593.52,"endTime":596.79,"body":"Alan were the were the were the"},{"speaker":"Andy Hart","startTime":593.52,"endTime":596.79,"body":"ones to leave, you know, the"},{"speaker":"Andy Hart","startTime":596.79,"endTime":601.2,"body":"earliest that night and we got a"},{"speaker":"Andy Hart","startTime":596.79,"endTime":601.2,"body":"taxi at half past To to go about"},{"speaker":"Andy Hart","startTime":601.23,"endTime":606.6,"body":"1515 minutes down the road, the"},{"speaker":"Andy Hart","startTime":601.23,"endTime":606.6,"body":"guy charges 120 euros. The"},{"speaker":"Andy Hart","startTime":606.6,"endTime":611.01,"body":"prices, as Nick mentioned are"},{"speaker":"Andy Hart","startTime":606.6,"endTime":611.01,"body":"astronomical. And then Nick and"},{"speaker":"Andy Hart","startTime":611.01,"endTime":614.22,"body":"Carl turned up some time later."},{"speaker":"Andy Hart","startTime":611.01,"endTime":614.22,"body":"Nick, do you want to mention"},{"speaker":"Andy Hart","startTime":614.22,"endTime":616.95,"body":"anything about the service in"},{"speaker":"Andy Hart","startTime":614.22,"endTime":616.95,"body":"Paris like when they when they"},{"speaker":"Andy Hart","startTime":617.43,"endTime":621.57,"body":"give you your meal if you if you"},{"speaker":"Andy Hart","startTime":617.43,"endTime":621.57,"body":"ask for any additional extras?"},{"speaker":"Nick Lincoln","startTime":622.83,"endTime":624.33,"body":"Not really my"},{"speaker":"Nick Lincoln","startTime":622.83,"endTime":624.33,"body":"friend. I think we've done this"},{"speaker":"Nick Lincoln","startTime":624.33,"endTime":624.72,"body":"today."},{"speaker":"Alan Smith","startTime":625.109,"endTime":627.509,"body":"Let's go carry on"},{"speaker":"Alan Smith","startTime":625.109,"endTime":627.509,"body":"Nick, what's next, Nick? Let's"},{"speaker":"Alan Smith","startTime":627.509,"endTime":630.539,"body":"go. Not everyone's fans, but we"},{"speaker":"Alan Smith","startTime":627.509,"endTime":630.539,"body":"had a great time. Oh, the last"},{"speaker":"Alan Smith","startTime":630.539,"endTime":633.479,"body":"thing I'll say is that we tend"},{"speaker":"Alan Smith","startTime":630.539,"endTime":633.479,"body":"to hang on this is relevant to"},{"speaker":"Alan Smith","startTime":633.479,"endTime":636.719,"body":"this bringing full this is what"},{"speaker":"Alan Smith","startTime":633.479,"endTime":636.719,"body":"you call segues. Nick lit, what"},{"speaker":"Alan Smith","startTime":636.719,"endTime":641.309,"body":"little listen and learn. We"},{"speaker":"Alan Smith","startTime":636.719,"endTime":641.309,"body":"bring this we at that match that"},{"speaker":"Alan Smith","startTime":641.309,"endTime":644.999,"body":"day that afternoon, that we all"},{"speaker":"Alan Smith","startTime":641.309,"endTime":644.999,"body":"got together and sat in the in"},{"speaker":"Alan Smith","startTime":644.999,"endTime":647.129,"body":"the place and had lunch then"},{"speaker":"Alan Smith","startTime":644.999,"endTime":647.129,"body":"went to the game that was the"},{"speaker":"Alan Smith","startTime":647.129,"endTime":651.509,"body":"literally the day to the day of"},{"speaker":"Alan Smith","startTime":647.129,"endTime":651.509,"body":"the first anniversary of when we"},{"speaker":"Alan Smith","startTime":651.509,"endTime":655.619,"body":"published the first episode of"},{"speaker":"Alan Smith","startTime":651.509,"endTime":655.619,"body":"the real advisor podcast October"},{"speaker":"Alan Smith","startTime":655.619,"endTime":659.609,"body":"7 2022. So it was quite nice,"},{"speaker":"Alan Smith","startTime":655.619,"endTime":659.609,"body":"sort of completing the circle to"},{"speaker":"Alan Smith","startTime":659.609,"endTime":663.569,"body":"be all together on the first"},{"speaker":"Alan Smith","startTime":659.609,"endTime":663.569,"body":"birthday. Now Nate carry on."},{"speaker":"Nick Lincoln","startTime":695.29,"endTime":697.5699999999999,"body":"Well, that does"},{"speaker":"Nick Lincoln","startTime":695.29,"endTime":697.5699999999999,"body":"lead to a genuine segue, which"},{"speaker":"Nick Lincoln","startTime":697.5699999999999,"endTime":702.9399999999999,"body":"is quite nice. We have our first"},{"speaker":"Nick Lincoln","startTime":697.5699999999999,"endTime":702.9399999999999,"body":"live event. Organized when I say"},{"speaker":"Nick Lincoln","startTime":702.9399999999999,"endTime":707.0799999999999,"body":"organized we the four of us have"},{"speaker":"Nick Lincoln","startTime":702.9399999999999,"endTime":707.0799999999999,"body":"managed to agree a date. That's"},{"speaker":"Nick Lincoln","startTime":707.0799999999999,"endTime":709.99,"body":"as far as we've got done so far."},{"speaker":"Nick Lincoln","startTime":707.0799999999999,"endTime":709.99,"body":"But Mr. Hart do tell our dear"},{"speaker":"Nick Lincoln","startTime":709.99,"endTime":713.41,"body":"Trappists when it is happening,"},{"speaker":"Nick Lincoln","startTime":709.99,"endTime":713.41,"body":"yes. So"},{"speaker":"Andy Hart","startTime":714.0699999999999,"endTime":716.86,"body":"he has been a lot of"},{"speaker":"Andy Hart","startTime":714.0699999999999,"endTime":716.86,"body":"talk about us doing trap lives."},{"speaker":"Andy Hart","startTime":716.86,"endTime":719.0799999999999,"body":"There's a bit of an appetite for"},{"speaker":"Andy Hart","startTime":716.86,"endTime":719.0799999999999,"body":"it. I think we've got about 150"},{"speaker":"Andy Hart","startTime":719.0799999999999,"endTime":721.06,"body":"people, Nick and we on the list"},{"speaker":"Andy Hart","startTime":719.0799999999999,"endTime":721.06,"body":"somewhere that said they're sort"},{"speaker":"Andy Hart","startTime":721.06,"endTime":724.54,"body":"of interested, which is great."},{"speaker":"Andy Hart","startTime":721.06,"endTime":724.54,"body":"Yeah, it's, it's going to be the"},{"speaker":"Andy Hart","startTime":724.54,"endTime":730.5999999999999,"body":"ninth of May 2024. Got a"},{"speaker":"Andy Hart","startTime":724.54,"endTime":730.5999999999999,"body":"staggering 2024. Or talking"},{"speaker":"Andy Hart","startTime":730.5999999999999,"endTime":733.9599999999999,"body":"about it. Yes, so the ninth of"},{"speaker":"Andy Hart","startTime":730.5999999999999,"endTime":733.9599999999999,"body":"May 2024, we're thinking it's"},{"speaker":"Andy Hart","startTime":733.9599999999999,"endTime":737.05,"body":"going to be sort of like a late"},{"speaker":"Andy Hart","startTime":733.9599999999999,"endTime":737.05,"body":"afternoon evening, we think it's"},{"speaker":"Andy Hart","startTime":737.05,"endTime":741.0999999999999,"body":"going to be from 6pm to 8pm. And"},{"speaker":"Andy Hart","startTime":737.05,"endTime":741.0999999999999,"body":"then we'll arrange somewhere to"},{"speaker":"Andy Hart","startTime":741.0999999999999,"endTime":743.9499999999999,"body":"go after and then we're trying"},{"speaker":"Andy Hart","startTime":741.0999999999999,"endTime":743.9499999999999,"body":"to work out the format if we're"},{"speaker":"Andy Hart","startTime":743.9499999999999,"endTime":746.02,"body":"gonna do a live show, yada yada"},{"speaker":"Andy Hart","startTime":743.9499999999999,"endTime":746.02,"body":"yada. But anyway, if you're"},{"speaker":"Andy Hart","startTime":746.02,"endTime":751.0,"body":"interested in it, just pencil it"},{"speaker":"Andy Hart","startTime":746.02,"endTime":751.0,"body":"in your diary save the day ninth"},{"speaker":"Andy Hart","startTime":751.0,"endTime":755.89,"body":"of May 2024. And you can go back"},{"speaker":"Andy Hart","startTime":751.0,"endTime":755.89,"body":"to your boss,"},{"speaker":"Nick Lincoln","startTime":755.9499999999999,"endTime":757.9,"body":"I don't know"},{"speaker":"Nick Lincoln","startTime":755.9499999999999,"endTime":757.9,"body":"anything else to say thank you."},{"speaker":"Nick Lincoln","startTime":759.13,"endTime":763.81,"body":"So I went to my accredited trade"},{"speaker":"Nick Lincoln","startTime":759.13,"endTime":763.81,"body":"bodies annual conference, the Si"},{"speaker":"Nick Lincoln","startTime":763.8399999999999,"endTime":767.41,"body":"Si Si Chartered Institute of"},{"speaker":"Nick Lincoln","startTime":763.8399999999999,"endTime":767.41,"body":"Securities and Investments. I"},{"speaker":"Nick Lincoln","startTime":767.41,"endTime":771.43,"body":"was formerly PFS, but like, like"},{"speaker":"Nick Lincoln","startTime":767.41,"endTime":771.43,"body":"a lot of people disenchanted for"},{"speaker":"Nick Lincoln","startTime":771.43,"endTime":773.92,"body":"various reasons. So I went to"},{"speaker":"Nick Lincoln","startTime":771.43,"endTime":773.92,"body":"the CC conference at wooden"},{"speaker":"Nick Lincoln","startTime":773.92,"endTime":778.51,"body":"house and leafy sorry, and it"},{"speaker":"Nick Lincoln","startTime":773.92,"endTime":778.51,"body":"was good actually. It was nice."},{"speaker":"Nick Lincoln","startTime":778.51,"endTime":781.03,"body":"I enjoyed it. So I wanted to"},{"speaker":"Nick Lincoln","startTime":778.51,"endTime":781.03,"body":"shout out to Susie for putting"},{"speaker":"Nick Lincoln","startTime":781.03,"endTime":785.98,"body":"that on. Because it seekers the"},{"speaker":"Nick Lincoln","startTime":781.03,"endTime":785.98,"body":"main guy I've actually forgotten"},{"speaker":"Nick Lincoln","startTime":785.98,"endTime":789.01,"body":"his name but the Chimp Paradox"},{"speaker":"Nick Lincoln","startTime":785.98,"endTime":789.01,"body":"Dr. Steven somebody you guys"},{"speaker":"Nick Lincoln","startTime":789.01,"endTime":794.23,"body":"Peters, Steven Peters, thank you"},{"speaker":"Nick Lincoln","startTime":789.01,"endTime":794.23,"body":"very very engaging and if"},{"speaker":"Nick Lincoln","startTime":794.23,"endTime":797.17,"body":"nothing if for no other reason,"},{"speaker":"Nick Lincoln","startTime":794.23,"endTime":797.17,"body":"his concept was excellent. But"},{"speaker":"Nick Lincoln","startTime":797.17,"endTime":800.17,"body":"he's got a gruff Yorkshire"},{"speaker":"Nick Lincoln","startTime":797.17,"endTime":800.17,"body":"accent and persona and it's"},{"speaker":"Nick Lincoln","startTime":800.17,"endTime":802.42,"body":"quite refreshing we go to these"},{"speaker":"Nick Lincoln","startTime":800.17,"endTime":802.42,"body":"and we go to these these"},{"speaker":"Nick Lincoln","startTime":802.42,"endTime":805.06,"body":"seminars and you're sat down and"},{"speaker":"Nick Lincoln","startTime":802.42,"endTime":805.06,"body":"Petronella and talk we will talk"},{"speaker":"Nick Lincoln","startTime":805.06,"endTime":807.8499999999999,"body":"to you about their latest"},{"speaker":"Nick Lincoln","startTime":805.06,"endTime":807.8499999999999,"body":"whatever x y Zed absolute return"},{"speaker":"Nick Lincoln","startTime":807.8499999999999,"endTime":811.75,"body":"and rubbish fund before going to"},{"speaker":"Nick Lincoln","startTime":807.8499999999999,"endTime":811.75,"body":"pick the kids from Eton and then"},{"speaker":"Nick Lincoln","startTime":811.75,"endTime":814.48,"body":"this guy you know he was there"},{"speaker":"Nick Lincoln","startTime":811.75,"endTime":814.48,"body":"basically in his well is you can"},{"speaker":"Nick Lincoln","startTime":814.9,"endTime":817.51,"body":"see the whip it's dripping out"},{"speaker":"Nick Lincoln","startTime":814.9,"endTime":817.51,"body":"of his pocket so a very very"},{"speaker":"Nick Lincoln","startTime":817.51,"endTime":819.9699999999999,"body":"good experience wouldn't have"},{"speaker":"Nick Lincoln","startTime":817.51,"endTime":819.9699999999999,"body":"been lovely we have an evening"},{"speaker":"Nick Lincoln","startTime":819.9699999999999,"endTime":823.06,"body":"meal at 10 beers winery which is"},{"speaker":"Nick Lincoln","startTime":819.9699999999999,"endTime":823.06,"body":"a very known on an English"},{"speaker":"Nick Lincoln","startTime":823.06,"endTime":826.3299999999999,"body":"winery down the road they do"},{"speaker":"Nick Lincoln","startTime":823.06,"endTime":826.3299999999999,"body":"they do white and sparkling and"},{"speaker":"Nick Lincoln","startTime":826.36,"endTime":829.99,"body":"even red wine which is not that"},{"speaker":"Nick Lincoln","startTime":826.36,"endTime":829.99,"body":"easy this far north but they did"},{"speaker":"Nick Lincoln","startTime":829.99,"endTime":832.51,"body":"it very good. Enjoy so thank out"},{"speaker":"Nick Lincoln","startTime":829.99,"endTime":832.51,"body":"for the people that organize"},{"speaker":"Nick Lincoln","startTime":832.51,"endTime":834.6999999999999,"body":"that thank you for the thank you"},{"speaker":"Nick Lincoln","startTime":832.51,"endTime":834.6999999999999,"body":"for the excellent guys who are"},{"speaker":"Nick Lincoln","startTime":834.6999999999999,"endTime":837.61,"body":"active in CC. You know that you"},{"speaker":"Nick Lincoln","startTime":834.6999999999999,"endTime":837.61,"body":"are listening to this I met you"},{"speaker":"Nick Lincoln","startTime":837.6999999999999,"endTime":839.8299999999999,"body":"I met you with the show lots of"},{"speaker":"Nick Lincoln","startTime":837.6999999999999,"endTime":839.8299999999999,"body":"and by the way loads of friends"},{"speaker":"Nick Lincoln","startTime":839.8299999999999,"endTime":844.24,"body":"of trap. They're just"},{"speaker":"Nick Lincoln","startTime":839.8299999999999,"endTime":844.24,"body":"overwhelmingly friendly and and"},{"speaker":"Nick Lincoln","startTime":844.24,"endTime":848.17,"body":"lovely. So thank you for the"},{"speaker":"Nick Lincoln","startTime":844.24,"endTime":848.17,"body":"feedback. It gives us all a real"},{"speaker":"Nick Lincoln","startTime":848.17,"endTime":851.56,"body":"boost in the arm. So that was"},{"speaker":"Nick Lincoln","startTime":848.17,"endTime":851.56,"body":"that was that was very good to"},{"speaker":"Nick Lincoln","startTime":851.56,"endTime":855.91,"body":"hats off to Cece. Okay. Now"},{"speaker":"Nick Lincoln","startTime":851.56,"endTime":855.91,"body":"you've got a tropical tip here"},{"speaker":"Nick Lincoln","startTime":855.91,"endTime":860.0799999999999,"body":"smithy, but I'm losing I don't"},{"speaker":"Nick Lincoln","startTime":855.91,"endTime":860.0799999999999,"body":"know where culture corner and"},{"speaker":"Nick Lincoln","startTime":860.0799999999999,"endTime":862.5699999999999,"body":"tropical tidbits overlap. So go"},{"speaker":"Nick Lincoln","startTime":860.0799999999999,"endTime":862.5699999999999,"body":"ahead with the Finovate a"},{"speaker":"Nick Lincoln","startTime":862.5699999999999,"endTime":863.14,"body":"podcast."},{"speaker":"Alan Smith","startTime":864.16,"endTime":867.28,"body":"Oh, yeah. Well, it's"},{"speaker":"Alan Smith","startTime":864.16,"endTime":867.28,"body":"just tropical tidbits in as much"},{"speaker":"Alan Smith","startTime":867.28,"endTime":870.4599999999999,"body":"I mentioned this before, but"},{"speaker":"Alan Smith","startTime":867.28,"endTime":870.4599999999999,"body":"it's covered as a podcast."},{"speaker":"Alan Smith","startTime":871.5699999999999,"endTime":874.5999999999999,"body":"Member It was ages ago was in"},{"speaker":"Alan Smith","startTime":871.5699999999999,"endTime":874.5999999999999,"body":"the summer, I was injured. I did"},{"speaker":"Alan Smith","startTime":874.5999999999999,"endTime":878.02,"body":"a webinar with Stuart's from"},{"speaker":"Alan Smith","startTime":874.5999999999999,"endTime":878.02,"body":"Australia, Sydney, Stuart Bell."},{"speaker":"Alan Smith","startTime":878.77,"endTime":882.64,"body":"And it was like a live event."},{"speaker":"Alan Smith","startTime":878.77,"endTime":882.64,"body":"But he's now because the content"},{"speaker":"Alan Smith","startTime":882.64,"endTime":887.77,"body":"was so damn good. Because he he"},{"speaker":"Alan Smith","startTime":882.64,"endTime":887.77,"body":"spoke to me, but he has pushed"},{"speaker":"Alan Smith","startTime":887.77,"endTime":890.68,"body":"it out as a podcast now i'll put"},{"speaker":"Alan Smith","startTime":887.77,"endTime":890.68,"body":"a link to it is it's about an"},{"speaker":"Alan Smith","startTime":890.68,"endTime":894.52,"body":"hour long. If I say so myself, I"},{"speaker":"Alan Smith","startTime":890.68,"endTime":894.52,"body":"think it's quite good. file it"},{"speaker":"Alan Smith","startTime":894.52,"endTime":899.17,"body":"under quite good. It's me"},{"speaker":"Alan Smith","startTime":894.52,"endTime":899.17,"body":"speaking with Stuart from"},{"speaker":"Alan Smith","startTime":899.1999999999999,"endTime":901.87,"body":"Sydney, Australia about all"},{"speaker":"Alan Smith","startTime":899.1999999999999,"endTime":901.87,"body":"things you know, business"},{"speaker":"Alan Smith","startTime":901.87,"endTime":907.0899999999999,"body":"growth, development, content"},{"speaker":"Alan Smith","startTime":901.87,"endTime":907.0899999999999,"body":"creation and getting off the"},{"speaker":"Alan Smith","startTime":907.0899999999999,"endTime":912.04,"body":"tools in terms of passing on"},{"speaker":"Alan Smith","startTime":907.0899999999999,"endTime":912.04,"body":"work to other advisors within"},{"speaker":"Alan Smith","startTime":912.04,"endTime":914.4399999999999,"body":"your organization within your"},{"speaker":"Alan Smith","startTime":912.04,"endTime":914.4399999999999,"body":"company. So I'll put a link to"},{"speaker":"Alan Smith","startTime":914.4399999999999,"endTime":917.41,"body":"it. Someone wants to jump on"},{"speaker":"Alan Smith","startTime":914.4399999999999,"endTime":917.41,"body":"that podcast, they can listen to"},{"speaker":"Alan Smith","startTime":917.41,"endTime":918.0999999999999,"body":"me speaking."},{"speaker":"Nick Lincoln","startTime":920.8,"endTime":924.0699999999999,"body":"Okey dokey. I saw"},{"speaker":"Nick Lincoln","startTime":920.8,"endTime":924.0699999999999,"body":"something recently Monzo Monzo"},{"speaker":"Nick Lincoln","startTime":924.0699999999999,"endTime":926.11,"body":"bank, one of these disruptive"},{"speaker":"Nick Lincoln","startTime":924.0699999999999,"endTime":926.11,"body":"banks, whatever you want to call"},{"speaker":"Nick Lincoln","startTime":926.11,"endTime":930.9399999999999,"body":"them. And they've got this new"},{"speaker":"Nick Lincoln","startTime":926.11,"endTime":930.9399999999999,"body":"thing, this app where you can"},{"speaker":"Nick Lincoln","startTime":930.9399999999999,"endTime":936.8199999999999,"body":"start saving so easily investing"},{"speaker":"Nick Lincoln","startTime":930.9399999999999,"endTime":936.8199999999999,"body":"from as little as one pound. And"},{"speaker":"Nick Lincoln","startTime":936.8199999999999,"endTime":939.55,"body":"you can do ad hoc. So you can do"},{"speaker":"Nick Lincoln","startTime":936.8199999999999,"endTime":939.55,"body":"regular monthly, as you said up"},{"speaker":"Nick Lincoln","startTime":939.55,"endTime":942.04,"body":"through rapid, it's like three"},{"speaker":"Nick Lincoln","startTime":939.55,"endTime":942.04,"body":"or four clicks to get this thing"},{"speaker":"Nick Lincoln","startTime":942.04,"endTime":946.4499999999999,"body":"going. Now you're going into,"},{"speaker":"Nick Lincoln","startTime":942.04,"endTime":946.4499999999999,"body":"into Blackrock funds, so"},{"speaker":"Nick Lincoln","startTime":952.63,"endTime":955.06,"body":"that's fine, low costs, there's"},{"speaker":"Nick Lincoln","startTime":952.63,"endTime":955.06,"body":"not a great choice of range, but"},{"speaker":"Nick Lincoln","startTime":955.06,"endTime":957.76,"body":"they're there. But the point is,"},{"speaker":"Nick Lincoln","startTime":955.06,"endTime":957.76,"body":"there's zero friction to do it,"},{"speaker":"Nick Lincoln","startTime":957.79,"endTime":961.63,"body":"there's absolutely nothing and,"},{"speaker":"Nick Lincoln","startTime":957.79,"endTime":961.63,"body":"and I just compare that compare"},{"speaker":"Nick Lincoln","startTime":961.63,"endTime":965.98,"body":"and contrast. If we want to get"},{"speaker":"Nick Lincoln","startTime":961.63,"endTime":965.98,"body":"someone saving young couple of"},{"speaker":"Nick Lincoln","startTime":965.98,"endTime":969.1899999999999,"body":"young people accumulating for"},{"speaker":"Nick Lincoln","startTime":965.98,"endTime":969.1899999999999,"body":"their future selves, it's, it's"},{"speaker":"Nick Lincoln","startTime":969.1899999999999,"endTime":971.38,"body":"like, wow, it's like, well, you"},{"speaker":"Nick Lincoln","startTime":969.1899999999999,"endTime":971.38,"body":"know, I noticed what a man is"},{"speaker":"Nick Lincoln","startTime":971.38,"endTime":974.26,"body":"betting on. But I think for all"},{"speaker":"Nick Lincoln","startTime":971.38,"endTime":974.26,"body":"of us, the amount of stuff we"},{"speaker":"Nick Lincoln","startTime":974.26,"endTime":977.9499999999999,"body":"have to go through, so credit to"},{"speaker":"Nick Lincoln","startTime":974.26,"endTime":977.9499999999999,"body":"Monzo bank, it's easy to get"},{"speaker":"Nick Lincoln","startTime":977.9499999999999,"endTime":980.29,"body":"your money in, I imagine it's"},{"speaker":"Nick Lincoln","startTime":977.9499999999999,"endTime":980.29,"body":"just as easy to get your money"},{"speaker":"Nick Lincoln","startTime":980.29,"endTime":982.9,"body":"out. And that's where these"},{"speaker":"Nick Lincoln","startTime":980.29,"endTime":982.9,"body":"things tend to fall down. But"},{"speaker":"Nick Lincoln","startTime":982.9,"endTime":985.87,"body":"we'll see how it goes. With all"},{"speaker":"Nick Lincoln","startTime":982.9,"endTime":985.87,"body":"of these kinds of robo advisor"},{"speaker":"Nick Lincoln","startTime":985.87,"endTime":989.74,"body":"schemes, but just amazingly easy"},{"speaker":"Nick Lincoln","startTime":985.87,"endTime":989.74,"body":"to do. It's almost as easy to"},{"speaker":"Nick Lincoln","startTime":989.74,"endTime":992.11,"body":"set up a savings account with"},{"speaker":"Nick Lincoln","startTime":989.74,"endTime":992.11,"body":"Munzo as it is to get a credit"},{"speaker":"Nick Lincoln","startTime":992.11,"endTime":994.54,"body":"card from them. And the moment"},{"speaker":"Nick Lincoln","startTime":992.11,"endTime":994.54,"body":"that tipping point is reached"},{"speaker":"Nick Lincoln","startTime":994.54,"endTime":998.5,"body":"with maybe doing something a bit"},{"speaker":"Nick Lincoln","startTime":994.54,"endTime":998.5,"body":"better. You guys don't have to"},{"speaker":"Nick Lincoln","startTime":998.5,"endTime":1003.48,"body":"say on that. I don't think okay,"},{"speaker":"Nick Lincoln","startTime":998.5,"endTime":1003.48,"body":"Mr. Smith, you went to that"},{"speaker":"Nick Lincoln","startTime":1003.48,"endTime":1006.8399999999999,"body":"lime, lime a Rick a limerick,"},{"speaker":"Nick Lincoln","startTime":1003.48,"endTime":1006.8399999999999,"body":"Limerick, Krakow?"},{"speaker":"Alan Smith","startTime":1006.87,"endTime":1009.15,"body":"I don't know you,"},{"speaker":"Alan Smith","startTime":1006.87,"endTime":1009.15,"body":"Nick. You haven't? You haven't"},{"speaker":"Alan Smith","startTime":1009.15,"endTime":1013.68,"body":"seen the updated notes? Because"},{"speaker":"Alan Smith","startTime":1009.15,"endTime":1013.68,"body":"I removed that. But I'll talk"},{"speaker":"Alan Smith","startTime":1013.68,"endTime":1015.48,"body":"about it anyway, soon. As you"},{"speaker":"Alan Smith","startTime":1013.68,"endTime":1015.48,"body":"mentioned, they're right in"},{"speaker":"Alan Smith","startTime":1015.48,"endTime":1015.6899999999999,"body":"front of"},{"speaker":"Nick Lincoln","startTime":1015.6899999999999,"endTime":1017.76,"body":"you with that. I'm"},{"speaker":"Nick Lincoln","startTime":1015.6899999999999,"endTime":1017.76,"body":"looking right at it on a live"},{"speaker":"Nick Lincoln","startTime":1017.76,"endTime":1021.15,"body":"Google Doc as trip to Lima,"},{"speaker":"Nick Lincoln","startTime":1017.76,"endTime":1021.15,"body":"Rick. Oh, is there?"},{"speaker":"Alan Smith","startTime":1021.509,"endTime":1028.349,"body":"Okay. Well. I just"},{"speaker":"Alan Smith","startTime":1021.509,"endTime":1028.349,"body":"did you want to back in?"},{"speaker":"Nick Lincoln","startTime":1028.77,"endTime":1030.03,"body":"Oh, for Christ's"},{"speaker":"Nick Lincoln","startTime":1028.77,"endTime":1030.03,"body":"sake."},{"speaker":"Alan Smith","startTime":1030.48,"endTime":1033.93,"body":"She's, you can see"},{"speaker":"Alan Smith","startTime":1030.48,"endTime":1033.93,"body":"we do have that Monday morning,"},{"speaker":"Alan Smith","startTime":1033.93,"endTime":1035.79,"body":"Rusty feeling after weekend in"},{"speaker":"Alan Smith","startTime":1033.93,"endTime":1035.79,"body":"Paris."},{"speaker":"Carl Widger","startTime":1036.21,"endTime":1038.43,"body":"Everyone try to"},{"speaker":"Carl Widger","startTime":1036.21,"endTime":1038.43,"body":"remember anybody's names. It's"},{"speaker":"Carl Widger","startTime":1038.43,"endTime":1040.5,"body":"like, Yeah, I can't really"},{"speaker":"Carl Widger","startTime":1038.43,"endTime":1040.5,"body":"remember that person's name."},{"speaker":"Carl Widger","startTime":1041.76,"endTime":1047.22,"body":"Let's move on. Just move on. I,"},{"speaker":"Carl Widger","startTime":1041.76,"endTime":1047.22,"body":"I'll just introduce this. So"},{"speaker":"Carl Widger","startTime":1047.43,"endTime":1051.48,"body":"look, we had a team day and"},{"speaker":"Carl Widger","startTime":1047.43,"endTime":1051.48,"body":"Mattis last was last week or the"},{"speaker":"Carl Widger","startTime":1051.48,"endTime":1057.3,"body":"week before. And we have a"},{"speaker":"Carl Widger","startTime":1051.48,"endTime":1057.3,"body":"couple of new new people joined"},{"speaker":"Carl Widger","startTime":1057.3,"endTime":1059.79,"body":"the team or whatever. So we all"},{"speaker":"Carl Widger","startTime":1057.3,"endTime":1059.79,"body":"got together. And we kind of did"},{"speaker":"Carl Widger","startTime":1059.79,"endTime":1063.09,"body":"a full team day in the"},{"speaker":"Carl Widger","startTime":1059.79,"endTime":1063.09,"body":"afternoon, I did a bit of a"},{"speaker":"Carl Widger","startTime":1063.09,"endTime":1068.76,"body":"talk. And then Alan did a piece"},{"speaker":"Carl Widger","startTime":1063.09,"endTime":1068.76,"body":"as well. So look, it was it was"},{"speaker":"Carl Widger","startTime":1068.76,"endTime":1071.82,"body":"just, it was brilliant. I would"},{"speaker":"Carl Widger","startTime":1068.76,"endTime":1071.82,"body":"encourage everybody to, you"},{"speaker":"Carl Widger","startTime":1071.82,"endTime":1074.8799999999999,"body":"know, bring in external speakers"},{"speaker":"Carl Widger","startTime":1071.82,"endTime":1074.8799999999999,"body":"just get an external review."},{"speaker":"Carl Widger","startTime":1074.8799999999999,"endTime":1077.85,"body":"Because not only did we hear"},{"speaker":"Carl Widger","startTime":1074.8799999999999,"endTime":1077.85,"body":"from Alan, I suppose Alan had"},{"speaker":"Carl Widger","startTime":1077.85,"endTime":1080.67,"body":"some input, because he sat in on"},{"speaker":"Carl Widger","startTime":1077.85,"endTime":1080.67,"body":"the meetings with us. So Alan"},{"speaker":"Carl Widger","startTime":1080.67,"endTime":1084.3,"body":"had some input for the team just"},{"speaker":"Carl Widger","startTime":1080.67,"endTime":1084.3,"body":"on the day. And then afterwards"},{"speaker":"Carl Widger","startTime":1084.3,"endTime":1087.09,"body":"to me about you know, this is"},{"speaker":"Carl Widger","startTime":1084.3,"endTime":1087.09,"body":"what we do, or whatever, you"},{"speaker":"Carl Widger","startTime":1087.09,"endTime":1090.93,"body":"know, so always be learning. And"},{"speaker":"Carl Widger","startTime":1087.09,"endTime":1090.93,"body":"you know, nobody is making this"},{"speaker":"Carl Widger","startTime":1090.93,"endTime":1094.17,"body":"stuff up from the word goal does"},{"speaker":"Carl Widger","startTime":1090.93,"endTime":1094.17,"body":"no one inventing financial"},{"speaker":"Carl Widger","startTime":1094.17,"endTime":1098.22,"body":"planning? So it's like how can"},{"speaker":"Carl Widger","startTime":1094.17,"endTime":1098.22,"body":"you get best in class financial"},{"speaker":"Carl Widger","startTime":1098.22,"endTime":1102.0,"body":"planning people around you, and"},{"speaker":"Carl Widger","startTime":1098.22,"endTime":1102.0,"body":"learn from them. And like, I"},{"speaker":"Carl Widger","startTime":1102.03,"endTime":1106.53,"body":"make no bones about the fact"},{"speaker":"Carl Widger","startTime":1102.03,"endTime":1106.53,"body":"that Metis Ireland was born,"},{"speaker":"Carl Widger","startTime":1106.56,"endTime":1109.62,"body":"developed and grown up on ideas"},{"speaker":"Carl Widger","startTime":1106.56,"endTime":1109.62,"body":"from other people, because we"},{"speaker":"Carl Widger","startTime":1109.62,"endTime":1112.68,"body":"didn't invent it. And I just"},{"speaker":"Carl Widger","startTime":1109.62,"endTime":1112.68,"body":"had, you know, look around all"},{"speaker":"Carl Widger","startTime":1112.68,"endTime":1116.58,"body":"the time and see, what's what's"},{"speaker":"Carl Widger","startTime":1112.68,"endTime":1116.58,"body":"the best in the business? What"},{"speaker":"Carl Widger","startTime":1116.58,"endTime":1119.52,"body":"has worked for other people. And"},{"speaker":"Carl Widger","startTime":1116.58,"endTime":1119.52,"body":"then we just filter stuff out,"},{"speaker":"Carl Widger","startTime":1119.52,"endTime":1122.94,"body":"and we decide what what might"},{"speaker":"Carl Widger","startTime":1119.52,"endTime":1122.94,"body":"work for us. And you know, and"},{"speaker":"Carl Widger","startTime":1122.94,"endTime":1125.85,"body":"we just go and do it, and we're"},{"speaker":"Carl Widger","startTime":1122.94,"endTime":1125.85,"body":"pretty good at just going to do"},{"speaker":"Carl Widger","startTime":1125.85,"endTime":1129.12,"body":"it, but there was a great boss"},{"speaker":"Carl Widger","startTime":1125.85,"endTime":1129.12,"body":"that day, we've kind of pretty"},{"speaker":"Carl Widger","startTime":1129.12,"endTime":1132.87,"body":"young team. So yeah, Adam, what"},{"speaker":"Carl Widger","startTime":1129.12,"endTime":1132.87,"body":"did you think of the of the"},{"speaker":"Carl Widger","startTime":1132.87,"endTime":1133.44,"body":"whole setup?"},{"speaker":"Alan Smith","startTime":1134.099,"endTime":1137.219,"body":"I thoroughly enjoyed"},{"speaker":"Alan Smith","startTime":1134.099,"endTime":1137.219,"body":"it. Actually, it's, it is"},{"speaker":"Alan Smith","startTime":1137.219,"endTime":1140.309,"body":"interesting. I've already done"},{"speaker":"Alan Smith","startTime":1137.219,"endTime":1140.309,"body":"that before, not much if I if I"},{"speaker":"Alan Smith","startTime":1140.309,"endTime":1143.129,"body":"have not that I can remember in"},{"speaker":"Alan Smith","startTime":1140.309,"endTime":1143.129,"body":"terms of going across as a as a"},{"speaker":"Alan Smith","startTime":1143.129,"endTime":1145.829,"body":"guest really having a little"},{"speaker":"Alan Smith","startTime":1143.129,"endTime":1145.829,"body":"sort of peek behind the curtains"},{"speaker":"Alan Smith","startTime":1145.829,"endTime":1149.399,"body":"of another business. And it was"},{"speaker":"Alan Smith","startTime":1145.829,"endTime":1149.399,"body":"interesting, and I'll tell you"},{"speaker":"Alan Smith","startTime":1149.399,"endTime":1152.069,"body":"there is I'm not just saying"},{"speaker":"Alan Smith","startTime":1149.399,"endTime":1152.069,"body":"this to blow smoke up your"},{"speaker":"Alan Smith","startTime":1152.069,"endTime":1154.979,"body":"backside car, but there's a real"},{"speaker":"Alan Smith","startTime":1152.069,"endTime":1154.979,"body":"positive energy with Metis"},{"speaker":"Alan Smith","startTime":1154.979,"endTime":1158.639,"body":"Ireland right now you are you"},{"speaker":"Alan Smith","startTime":1154.979,"endTime":1158.639,"body":"know, you're definitely on a"},{"speaker":"Alan Smith","startTime":1158.639,"endTime":1161.999,"body":"growth trajectory. There's no"},{"speaker":"Alan Smith","startTime":1158.639,"endTime":1161.999,"body":"bones about it. I mean, I joked"},{"speaker":"Alan Smith","startTime":1161.999,"endTime":1164.459,"body":"about the you know, the The Wolf"},{"speaker":"Alan Smith","startTime":1161.999,"endTime":1164.459,"body":"of Wallstreet, the Wolf"},{"speaker":"Alan Smith","startTime":1169.77,"endTime":1173.07,"body":"The wolf of Limerick, in terms"},{"speaker":"Alan Smith","startTime":1169.77,"endTime":1173.07,"body":"of I mean, it's the positive way"},{"speaker":"Alan Smith","startTime":1173.1,"endTime":1175.35,"body":"because it was all about let's"},{"speaker":"Alan Smith","startTime":1173.1,"endTime":1175.35,"body":"you know, what's our growth"},{"speaker":"Alan Smith","startTime":1175.35,"endTime":1179.31,"body":"story? Let's look at our numbers"},{"speaker":"Alan Smith","startTime":1175.35,"endTime":1179.31,"body":"qualify that way quickly. Yeah,"},{"speaker":"Alan Smith","startTime":1179.31,"endTime":1181.71,"body":"exactly. No, it was really it"},{"speaker":"Alan Smith","startTime":1179.31,"endTime":1181.71,"body":"was good, of course to throw in"},{"speaker":"Alan Smith","startTime":1181.71,"endTime":1183.96,"body":"growth mode. They're helping"},{"speaker":"Alan Smith","startTime":1181.71,"endTime":1183.96,"body":"people they're making an impact"},{"speaker":"Alan Smith","startTime":1183.96,"endTime":1186.36,"body":"in the lives of families, why"},{"speaker":"Alan Smith","startTime":1183.96,"endTime":1186.36,"body":"would you not want to do it for"},{"speaker":"Alan Smith","startTime":1186.36,"endTime":1188.49,"body":"more and more more and more"},{"speaker":"Alan Smith","startTime":1186.36,"endTime":1188.49,"body":"people which exactly what"},{"speaker":"Alan Smith","startTime":1188.49,"endTime":1190.62,"body":"they're doing, but the good"},{"speaker":"Alan Smith","startTime":1188.49,"endTime":1190.62,"body":"thing is everyone is in the"},{"speaker":"Alan Smith","startTime":1190.62,"endTime":1193.08,"body":"team. And you're right, you do"},{"speaker":"Alan Smith","startTime":1190.62,"endTime":1193.08,"body":"have a few new people there. And"},{"speaker":"Alan Smith","startTime":1193.08,"endTime":1196.5,"body":"we're just great to you know, to"},{"speaker":"Alan Smith","startTime":1193.08,"endTime":1196.5,"body":"make sure that they understood"},{"speaker":"Alan Smith","startTime":1196.5,"endTime":1200.04,"body":"and you certainly got one or two"},{"speaker":"Alan Smith","startTime":1196.5,"endTime":1200.04,"body":"so when I spoke it was not from"},{"speaker":"Alan Smith","startTime":1200.04,"endTime":1202.95,"body":"financial services. So I always"},{"speaker":"Alan Smith","startTime":1200.04,"endTime":1202.95,"body":"want to make it clear to people"},{"speaker":"Alan Smith","startTime":1203.34,"endTime":1205.6499999999999,"body":"that this is not normal that if"},{"speaker":"Alan Smith","startTime":1203.34,"endTime":1205.6499999999999,"body":"you went to a lot of other"},{"speaker":"Alan Smith","startTime":1205.6499999999999,"endTime":1207.8999999999999,"body":"companies it might you might not"},{"speaker":"Alan Smith","startTime":1205.6499999999999,"endTime":1207.8999999999999,"body":"have the same experience and we"},{"speaker":"Alan Smith","startTime":1207.8999999999999,"endTime":1211.47,"body":"have one or two people who"},{"speaker":"Alan Smith","startTime":1207.8999999999999,"endTime":1211.47,"body":"joined us from from outside. And"},{"speaker":"Alan Smith","startTime":1211.47,"endTime":1213.12,"body":"you might think that every"},{"speaker":"Alan Smith","startTime":1211.47,"endTime":1213.12,"body":"single financial planning"},{"speaker":"Alan Smith","startTime":1213.12,"endTime":1216.12,"body":"company is like this and does"},{"speaker":"Alan Smith","startTime":1213.12,"endTime":1216.12,"body":"full fat financial planning to"},{"speaker":"Alan Smith","startTime":1216.12,"endTime":1219.03,"body":"every client every time and it's"},{"speaker":"Alan Smith","startTime":1216.12,"endTime":1219.03,"body":"not necessarily the case. So"},{"speaker":"Alan Smith","startTime":1219.57,"endTime":1223.26,"body":"yeah, I thoroughly enjoyed it we"},{"speaker":"Alan Smith","startTime":1219.57,"endTime":1223.26,"body":"and again, use one thing that"},{"speaker":"Alan Smith","startTime":1223.26,"endTime":1225.81,"body":"Metis Ireland certainly know how"},{"speaker":"Alan Smith","startTime":1223.26,"endTime":1225.81,"body":"to do is to celebrate"},{"speaker":"Alan Smith","startTime":1225.84,"endTime":1228.84,"body":"afterwards, after the meetings"},{"speaker":"Alan Smith","startTime":1225.84,"endTime":1228.84,"body":"is I gotta work hard play hard"},{"speaker":"Alan Smith","startTime":1228.84,"endTime":1232.32,"body":"environment. which is fabulous,"},{"speaker":"Alan Smith","startTime":1228.84,"endTime":1232.32,"body":"really good. I support it"},{"speaker":"Alan Smith","startTime":1232.4099999999999,"endTime":1235.44,"body":"wholeheartedly and we should all"},{"speaker":"Alan Smith","startTime":1232.4099999999999,"endTime":1235.44,"body":"do more of this is just have a,"},{"speaker":"Alan Smith","startTime":1235.68,"endTime":1238.62,"body":"you know, to integrate with"},{"speaker":"Alan Smith","startTime":1235.68,"endTime":1238.62,"body":"others who are all kind of on"},{"speaker":"Alan Smith","startTime":1238.62,"endTime":1240.81,"body":"the same journey on the same"},{"speaker":"Alan Smith","startTime":1238.62,"endTime":1240.81,"body":"path because we can all learn"},{"speaker":"Alan Smith","startTime":1240.81,"endTime":1243.57,"body":"from each other. And I guess"},{"speaker":"Alan Smith","startTime":1240.81,"endTime":1243.57,"body":"that is what trap is all about."},{"speaker":"Alan Smith","startTime":1243.57,"endTime":1246.27,"body":"It's kind of just sharing our"},{"speaker":"Alan Smith","startTime":1243.57,"endTime":1246.27,"body":"knowledge and experience with"},{"speaker":"Alan Smith","startTime":1246.27,"endTime":1247.53,"body":"others on similar journeys."},{"speaker":"Carl Widger","startTime":1248.099,"endTime":1250.139,"body":"I was excited. And"},{"speaker":"Carl Widger","startTime":1248.099,"endTime":1250.139,"body":"I'm thank you for coming across"},{"speaker":"Carl Widger","startTime":1250.139,"endTime":1251.099,"body":"out and we do appreciate it"},{"speaker":"Nick Lincoln","startTime":1251.1589999999999,"endTime":1255.899,"body":"is my pleasure."},{"speaker":"Nick Lincoln","startTime":1251.1589999999999,"endTime":1255.899,"body":"Very good. Okay. I think that's"},{"speaker":"Nick Lincoln","startTime":1255.899,"endTime":1259.469,"body":"one of the reasons we also go to"},{"speaker":"Nick Lincoln","startTime":1255.899,"endTime":1259.469,"body":"these. These peer groups don't"},{"speaker":"Nick Lincoln","startTime":1259.469,"endTime":1261.719,"body":"mean that we've talked about"},{"speaker":"Nick Lincoln","startTime":1259.469,"endTime":1261.719,"body":"before, we know that myself and"},{"speaker":"Nick Lincoln","startTime":1261.749,"endTime":1265.619,"body":"Andy and Alan, go to this one in"},{"speaker":"Nick Lincoln","startTime":1261.749,"endTime":1265.619,"body":"in London. And we've had"},{"speaker":"Nick Lincoln","startTime":1265.619,"endTime":1267.9289999999999,"body":"Trappists asked us about a"},{"speaker":"Nick Lincoln","startTime":1265.619,"endTime":1267.9289999999999,"body":"setting and how do you go about"},{"speaker":"Nick Lincoln","startTime":1267.9289999999999,"endTime":1271.019,"body":"doing it, you know, doing ones"},{"speaker":"Nick Lincoln","startTime":1267.9289999999999,"endTime":1271.019,"body":"out? Local, you just just go and"},{"speaker":"Nick Lincoln","startTime":1271.019,"endTime":1274.049,"body":"do it. I do think this is a very"},{"speaker":"Nick Lincoln","startTime":1271.019,"endTime":1274.049,"body":"giving community. I mean, again,"},{"speaker":"Nick Lincoln","startTime":1274.049,"endTime":1275.9089999999999,"body":"I can't comment for other"},{"speaker":"Nick Lincoln","startTime":1274.049,"endTime":1275.9089999999999,"body":"professions or you know,"},{"speaker":"Nick Lincoln","startTime":1275.9089999999999,"endTime":1278.549,"body":"accountancy or the legal"},{"speaker":"Nick Lincoln","startTime":1275.9089999999999,"endTime":1278.549,"body":"professional. If they if they"},{"speaker":"Nick Lincoln","startTime":1278.549,"endTime":1281.099,"body":"share ideas as openly as this"},{"speaker":"Nick Lincoln","startTime":1278.549,"endTime":1281.099,"body":"I'd be very surprised that they"},{"speaker":"Nick Lincoln","startTime":1281.099,"endTime":1284.999,"body":"share ideas more openly than"},{"speaker":"Nick Lincoln","startTime":1281.099,"endTime":1284.999,"body":"then most open minded financial"},{"speaker":"Nick Lincoln","startTime":1284.999,"endTime":1288.149,"body":"advisors do. And why reinvent"},{"speaker":"Nick Lincoln","startTime":1284.999,"endTime":1288.149,"body":"the wheel, somebody out there"},{"speaker":"Nick Lincoln","startTime":1288.149,"endTime":1290.339,"body":"has done what you're trying to"},{"speaker":"Nick Lincoln","startTime":1288.149,"endTime":1290.339,"body":"do is done already. So just get"},{"speaker":"Nick Lincoln","startTime":1290.339,"endTime":1292.889,"body":"together with like minded"},{"speaker":"Nick Lincoln","startTime":1290.339,"endTime":1292.889,"body":"people, and you can just carry"},{"speaker":"Nick Lincoln","startTime":1292.889,"endTime":1293.399,"body":"the load."},{"speaker":"Carl Widger","startTime":1294.99,"endTime":1296.76,"body":"Board. Can I just"},{"speaker":"Carl Widger","startTime":1294.99,"endTime":1296.76,"body":"expand on one point there?"},{"speaker":"Carl Widger","startTime":1296.76,"endTime":1300.81,"body":"Because I know we we've got, we"},{"speaker":"Carl Widger","startTime":1296.76,"endTime":1300.81,"body":"have some experience recently of"},{"speaker":"Carl Widger","startTime":1300.84,"endTime":1305.52,"body":"people kind of asking for advice"},{"speaker":"Carl Widger","startTime":1300.84,"endTime":1305.52,"body":"or you know, asking for meetings"},{"speaker":"Carl Widger","startTime":1305.52,"endTime":1307.29,"body":"and maybe not showing up or"},{"speaker":"Carl Widger","startTime":1305.52,"endTime":1307.29,"body":"whatever. Right. So the"},{"speaker":"Carl Widger","startTime":1307.29,"endTime":1309.6299999999999,"body":"important thing for me and Alan"},{"speaker":"Carl Widger","startTime":1307.29,"endTime":1309.6299999999999,"body":"obviously, clearly is good"},{"speaker":"Carl Widger","startTime":1309.6299999999999,"endTime":1312.57,"body":"friend of mine. So I could have"},{"speaker":"Carl Widger","startTime":1309.6299999999999,"endTime":1312.57,"body":"just said, Alan, come on over"},{"speaker":"Carl Widger","startTime":1312.57,"endTime":1315.93,"body":"and whatever, right. But I said"},{"speaker":"Carl Widger","startTime":1312.57,"endTime":1315.93,"body":"to the guys in Medicine said"},{"speaker":"Carl Widger","startTime":1315.93,"endTime":1318.09,"body":"right, Ireland is our guest"},{"speaker":"Carl Widger","startTime":1315.93,"endTime":1318.09,"body":"speaker, we're going to treat"},{"speaker":"Carl Widger","startTime":1318.09,"endTime":1320.94,"body":"Ireland with we're going to give"},{"speaker":"Carl Widger","startTime":1318.09,"endTime":1320.94,"body":"him the red carpet treatment."},{"speaker":"Carl Widger","startTime":1320.97,"endTime":1324.27,"body":"And I think it's so important."},{"speaker":"Carl Widger","startTime":1320.97,"endTime":1324.27,"body":"If you're asking somebody for a"},{"speaker":"Carl Widger","startTime":1324.27,"endTime":1328.98,"body":"favor that you do, you know, you"},{"speaker":"Carl Widger","startTime":1324.27,"endTime":1328.98,"body":"give back to them and make sure"},{"speaker":"Carl Widger","startTime":1328.98,"endTime":1332.67,"body":"that they feel special. And I"},{"speaker":"Carl Widger","startTime":1328.98,"endTime":1332.67,"body":"know that Allen gave her his"},{"speaker":"Carl Widger","startTime":1332.7,"endTime":1337.74,"body":"absolute 120% Because, you know,"},{"speaker":"Carl Widger","startTime":1332.7,"endTime":1337.74,"body":"everybody and Mattis was dying"},{"speaker":"Carl Widger","startTime":1337.74,"endTime":1340.2,"body":"to meet on and they all had"},{"speaker":"Carl Widger","startTime":1337.74,"endTime":1340.2,"body":"their questions ready and all"},{"speaker":"Carl Widger","startTime":1340.2,"endTime":1343.29,"body":"that kind of stuff. So it's just"},{"speaker":"Carl Widger","startTime":1340.2,"endTime":1343.29,"body":"respect the people that you're"},{"speaker":"Carl Widger","startTime":1343.29,"endTime":1345.84,"body":"asking to come over and that"},{"speaker":"Carl Widger","startTime":1343.29,"endTime":1345.84,"body":"you're asking to do stuff for"},{"speaker":"Carl Widger","startTime":1345.84,"endTime":1348.72,"body":"you. I think that's really,"},{"speaker":"Carl Widger","startTime":1345.84,"endTime":1348.72,"body":"really important. Because we've"},{"speaker":"Carl Widger","startTime":1348.72,"endTime":1351.6,"body":"seen some instances maybe where"},{"speaker":"Carl Widger","startTime":1348.72,"endTime":1351.6,"body":"that hasn't been the case."},{"speaker":"Alan Smith","startTime":1352.23,"endTime":1356.8799999999999,"body":"Yeah, that is true."},{"speaker":"Alan Smith","startTime":1352.23,"endTime":1356.8799999999999,"body":"For sure. You will get the"},{"speaker":"Alan Smith","startTime":1356.8799999999999,"endTime":1359.49,"body":"organization was superb was"},{"speaker":"Alan Smith","startTime":1356.8799999999999,"endTime":1359.49,"body":"picked up in a beautiful pig"},{"speaker":"Alan Smith","startTime":1359.49,"endTime":1363.6,"body":"limousine driven to the best"},{"speaker":"Alan Smith","startTime":1359.49,"endTime":1363.6,"body":"hotel in Limerick. And you know,"},{"speaker":"Alan Smith","startTime":1365.61,"endTime":1366.6599999999999,"body":"it's no story."},{"speaker":"Carl Widger","startTime":1367.53,"endTime":1369.54,"body":"And then also,"},{"speaker":"Carl Widger","startTime":1367.53,"endTime":1369.54,"body":"they'll also see that I was"},{"speaker":"Carl Widger","startTime":1369.54,"endTime":1375.54,"body":"deeply uncomfortable to some of"},{"speaker":"Carl Widger","startTime":1369.54,"endTime":1375.54,"body":"today's owing to the Irish"},{"speaker":"Carl Widger","startTime":1375.93,"endTime":1378.3,"body":"versus UK cultural differences."},{"speaker":"Nick Lincoln","startTime":1381.899,"endTime":1384.449,"body":"Call comes over to"},{"speaker":"Nick Lincoln","startTime":1381.899,"endTime":1384.449,"body":"us and we say getting getting a"},{"speaker":"Nick Lincoln","startTime":1384.449,"endTime":1388.649,"body":"cab or getting get the train"},{"speaker":"Nick Lincoln","startTime":1384.449,"endTime":1388.649,"body":"around London, we go to Ireland"},{"speaker":"Nick Lincoln","startTime":1388.649,"endTime":1392.009,"body":"and Carl lays on Carlos on a"},{"speaker":"Nick Lincoln","startTime":1388.649,"endTime":1392.009,"body":"limo fare you go"},{"speaker":"Carl Widger","startTime":1392.19,"endTime":1394.1399999999999,"body":"from the night when"},{"speaker":"Carl Widger","startTime":1392.19,"endTime":1394.1399999999999,"body":"I go over, were meeting up for"},{"speaker":"Carl Widger","startTime":1394.17,"endTime":1396.99,"body":"lunch or whatever. So I'm not"},{"speaker":"Carl Widger","startTime":1394.17,"endTime":1396.99,"body":"necessarily going into one of"},{"speaker":"Carl Widger","startTime":1396.99,"endTime":1399.69,"body":"your businesses. But Alan was"},{"speaker":"Carl Widger","startTime":1396.99,"endTime":1399.69,"body":"coming into our business and he"},{"speaker":"Carl Widger","startTime":1399.69,"endTime":1403.92,"body":"was doing us a massive favor. So"},{"speaker":"Carl Widger","startTime":1399.69,"endTime":1403.92,"body":"I said right, we're going to do"},{"speaker":"Carl Widger","startTime":1403.92,"endTime":1407.8799999999999,"body":"this, right. And look, I'm just"},{"speaker":"Carl Widger","startTime":1403.92,"endTime":1407.8799999999999,"body":"saying it because there's a lot"},{"speaker":"Carl Widger","startTime":1407.8799999999999,"endTime":1411.75,"body":"of people looking for stuff on"},{"speaker":"Carl Widger","startTime":1407.8799999999999,"endTime":1411.75,"body":"the cheap. And you know, maybe"},{"speaker":"Carl Widger","startTime":1411.78,"endTime":1415.29,"body":"being a little bit disrespectful"},{"speaker":"Carl Widger","startTime":1411.78,"endTime":1415.29,"body":"of other people's time. So you"},{"speaker":"Carl Widger","startTime":1415.29,"endTime":1417.96,"body":"know, if you're asking for a"},{"speaker":"Carl Widger","startTime":1415.29,"endTime":1417.96,"body":"favor, you got to treat the"},{"speaker":"Carl Widger","startTime":1417.96,"endTime":1421.11,"body":"people that you're asking for"},{"speaker":"Carl Widger","startTime":1417.96,"endTime":1421.11,"body":"the favor for with respect."},{"speaker":"Alan Smith","startTime":1421.259,"endTime":1422.879,"body":"Well, that's right,"},{"speaker":"Alan Smith","startTime":1421.259,"endTime":1422.879,"body":"because you won't get second"},{"speaker":"Alan Smith","startTime":1422.879,"endTime":1425.789,"body":"chance, I think is the answer to"},{"speaker":"Alan Smith","startTime":1422.879,"endTime":1425.789,"body":"this. You're somebody for a"},{"speaker":"Alan Smith","startTime":1425.789,"endTime":1428.6689999999999,"body":"favor and you can let them down"},{"speaker":"Alan Smith","startTime":1425.789,"endTime":1428.6689999999999,"body":"one way or another. You're"},{"speaker":"Alan Smith","startTime":1428.6689999999999,"endTime":1433.709,"body":"unlike posts highly unlikely to"},{"speaker":"Alan Smith","startTime":1428.6689999999999,"endTime":1433.709,"body":"see yes, another time. So there"},{"speaker":"Alan Smith","startTime":1433.709,"endTime":1436.109,"body":"we go. So yeah, point well made"},{"speaker":"Alan Smith","startTime":1433.709,"endTime":1436.109,"body":"call."},{"speaker":"Nick Lincoln","startTime":1436.619,"endTime":1438.269,"body":"And you're Andy"},{"speaker":"Nick Lincoln","startTime":1436.619,"endTime":1438.269,"body":"I'll say out loud, Alan, you"},{"speaker":"Nick Lincoln","startTime":1438.269,"endTime":1440.339,"body":"might have changed microphones"},{"speaker":"Nick Lincoln","startTime":1438.269,"endTime":1440.339,"body":"might so you can just change"},{"speaker":"Nick Lincoln","startTime":1440.339,"endTime":1442.289,"body":"look at your settings and mute"},{"speaker":"Nick Lincoln","startTime":1440.339,"endTime":1442.289,"body":"yourself while you do it. And"},{"speaker":"Nick Lincoln","startTime":1442.289,"endTime":1444.599,"body":"then keep one of you to others"},{"speaker":"Nick Lincoln","startTime":1442.289,"endTime":1444.599,"body":"keep an eye on him while I go"},{"speaker":"Nick Lincoln","startTime":1444.599,"endTime":1447.599,"body":"through the show. Thanks. Okay,"},{"speaker":"Nick Lincoln","startTime":1444.599,"endTime":1447.599,"body":"I think we've done topical"},{"speaker":"Nick Lincoln","startTime":1447.599,"endTime":1452.069,"body":"titbits. Let's have a look at"},{"speaker":"Nick Lincoln","startTime":1447.599,"endTime":1452.069,"body":"where are well in that case,"},{"speaker":"Nick Lincoln","startTime":1452.069,"endTime":1457.709,"body":"we're on to the meat and"},{"speaker":"Nick Lincoln","startTime":1452.069,"endTime":1457.709,"body":"potatoes of the show. And there"},{"speaker":"Nick Lincoln","startTime":1457.709,"endTime":1461.1889999999999,"body":"is a burgeoning and you'll"},{"speaker":"Nick Lincoln","startTime":1457.709,"endTime":1461.1889999999999,"body":"probably shoot me down for even"},{"speaker":"Nick Lincoln","startTime":1461.1889999999999,"endTime":1464.039,"body":"calling it DIY movement. But"},{"speaker":"Nick Lincoln","startTime":1461.1889999999999,"endTime":1464.039,"body":"there's a burgeoning movement of"},{"speaker":"Nick Lincoln","startTime":1464.039,"endTime":1467.069,"body":"people who are looking to take"},{"speaker":"Nick Lincoln","startTime":1464.039,"endTime":1467.069,"body":"financial control of their lives"},{"speaker":"Nick Lincoln","startTime":1467.069,"endTime":1471.509,"body":"by themselves without an advisor"},{"speaker":"Nick Lincoln","startTime":1467.069,"endTime":1471.509,"body":"using the power of online"},{"speaker":"Nick Lincoln","startTime":1471.509,"endTime":1476.369,"body":"communities and peer groups and"},{"speaker":"Nick Lincoln","startTime":1471.509,"endTime":1476.369,"body":"so forth to exchange ideas and"},{"speaker":"Nick Lincoln","startTime":1476.549,"endTime":1480.539,"body":"ways to do things to be able to"},{"speaker":"Nick Lincoln","startTime":1476.549,"endTime":1480.539,"body":"save for their future selves. I"},{"speaker":"Nick Lincoln","startTime":1526.619,"endTime":1529.139,"body":"think the best known group of"},{"speaker":"Nick Lincoln","startTime":1526.619,"endTime":1529.139,"body":"all is this financial"},{"speaker":"Nick Lincoln","startTime":1529.139,"endTime":1532.649,"body":"independence retire early"},{"speaker":"Nick Lincoln","startTime":1529.139,"endTime":1532.649,"body":"movement fire again, Andy shoot"},{"speaker":"Nick Lincoln","startTime":1532.649,"endTime":1535.4089999999999,"body":"me down the minimalist, I"},{"speaker":"Nick Lincoln","startTime":1532.649,"endTime":1535.4089999999999,"body":"believe was US, US based"},{"speaker":"Nick Lincoln","startTime":1535.4089999999999,"endTime":1538.049,"body":"initially, but it's kind of gone"},{"speaker":"Nick Lincoln","startTime":1535.4089999999999,"endTime":1538.049,"body":"around the world. There's"},{"speaker":"Nick Lincoln","startTime":1538.049,"endTime":1542.579,"body":"certainly a bigger fire movement"},{"speaker":"Nick Lincoln","startTime":1538.049,"endTime":1542.579,"body":"in this country. So I just"},{"speaker":"Nick Lincoln","startTime":1542.579,"endTime":1546.059,"body":"thought, let's just see what the"},{"speaker":"Nick Lincoln","startTime":1542.579,"endTime":1546.059,"body":"four of us think about it good"},{"speaker":"Nick Lincoln","startTime":1546.089,"endTime":1550.079,"body":"and bad. And perhaps what"},{"speaker":"Nick Lincoln","startTime":1546.089,"endTime":1550.079,"body":"lessons we can learn, if any"},{"speaker":"Nick Lincoln","startTime":1550.079,"endTime":1553.619,"body":"from the fire movement. So Mr."},{"speaker":"Nick Lincoln","startTime":1550.079,"endTime":1553.619,"body":"Hart you need off, sir."},{"speaker":"Andy Hart","startTime":1554.82,"endTime":1556.6799999999998,"body":"Yeah, I think that"},{"speaker":"Andy Hart","startTime":1554.82,"endTime":1556.6799999999998,"body":"was a good intro. I think we're"},{"speaker":"Andy Hart","startTime":1556.6799999999998,"endTime":1558.84,"body":"going to try and focus on the"},{"speaker":"Andy Hart","startTime":1556.6799999999998,"endTime":1558.84,"body":"fire movement rather than the"},{"speaker":"Andy Hart","startTime":1558.84,"endTime":1562.4399999999998,"body":"DIY the no help option, but"},{"speaker":"Andy Hart","startTime":1558.84,"endTime":1562.4399999999998,"body":"obviously, the lines can be a"},{"speaker":"Andy Hart","startTime":1562.4399999999998,"endTime":1566.52,"body":"bit the same. They can be a"},{"speaker":"Andy Hart","startTime":1562.4399999999998,"endTime":1566.52,"body":"little bit bubbler, but DIY,"},{"speaker":"Andy Hart","startTime":1566.55,"endTime":1568.6499999999999,"body":"there's a lot of people that are"},{"speaker":"Andy Hart","startTime":1566.55,"endTime":1568.6499999999999,"body":"DIY investors that avoid"},{"speaker":"Andy Hart","startTime":1568.6499999999999,"endTime":1571.53,"body":"financial advisors have got no"},{"speaker":"Andy Hart","startTime":1568.6499999999999,"endTime":1571.53,"body":"idea what the fire is. Does that"},{"speaker":"Andy Hart","startTime":1571.53,"endTime":1574.59,"body":"make sense? They might, over"},{"speaker":"Andy Hart","startTime":1571.53,"endTime":1574.59,"body":"time start investing on their"},{"speaker":"Andy Hart","startTime":1574.59,"endTime":1576.4499999999998,"body":"own thing actually, is there a"},{"speaker":"Andy Hart","startTime":1574.59,"endTime":1576.4499999999998,"body":"better way to do this? How can I"},{"speaker":"Andy Hart","startTime":1576.4499999999998,"endTime":1579.2399999999998,"body":"actually become a bit of a"},{"speaker":"Andy Hart","startTime":1576.4499999999998,"endTime":1579.2399999999998,"body":"better financial advisor for"},{"speaker":"Andy Hart","startTime":1579.2399999999998,"endTime":1583.8,"body":"myself? So yeah, the fire"},{"speaker":"Andy Hart","startTime":1579.2399999999998,"endTime":1583.8,"body":"community started, it's been,"},{"speaker":"Andy Hart","startTime":1583.8,"endTime":1586.35,"body":"it's been going for the decades,"},{"speaker":"Andy Hart","startTime":1583.8,"endTime":1586.35,"body":"you know, I think there was a"},{"speaker":"Andy Hart","startTime":1586.35,"endTime":1588.81,"body":"famous book that came out and"},{"speaker":"Andy Hart","startTime":1586.35,"endTime":1588.81,"body":"the name escapes me at the"},{"speaker":"Andy Hart","startTime":1588.81,"endTime":1591.54,"body":"moment, but there's some, but"},{"speaker":"Andy Hart","startTime":1588.81,"endTime":1591.54,"body":"the person who popularized it in"},{"speaker":"Andy Hart","startTime":1591.54,"endTime":1595.29,"body":"the US was called Mister Money"},{"speaker":"Andy Hart","startTime":1591.54,"endTime":1595.29,"body":"Mustache. So it's worth checking"},{"speaker":"Andy Hart","startTime":1595.29,"endTime":1599.4599999999998,"body":"out his website, he goes into"},{"speaker":"Andy Hart","startTime":1595.29,"endTime":1599.4599999999998,"body":"quite a lot of detail around the"},{"speaker":"Andy Hart","startTime":1599.4599999999998,"endTime":1603.4499999999998,"body":"sort of strategies around it. So"},{"speaker":"Andy Hart","startTime":1599.4599999999998,"endTime":1603.4499999999998,"body":"the first part of it is called,"},{"speaker":"Andy Hart","startTime":1603.6,"endTime":1606.84,"body":"FYI, financial independence."},{"speaker":"Andy Hart","startTime":1603.6,"endTime":1606.84,"body":"That's what we're working on"},{"speaker":"Andy Hart","startTime":1606.84,"endTime":1609.3,"body":"with all of our clients anyway,"},{"speaker":"Andy Hart","startTime":1606.84,"endTime":1609.3,"body":"we say to our clients, you know,"},{"speaker":"Andy Hart","startTime":1609.3,"endTime":1612.84,"body":"work with me, and we will ensure"},{"speaker":"Andy Hart","startTime":1609.3,"endTime":1612.84,"body":"that you sort of reach financial"},{"speaker":"Andy Hart","startTime":1612.84,"endTime":1614.9099999999999,"body":"independence, then maintain"},{"speaker":"Andy Hart","startTime":1612.84,"endTime":1614.9099999999999,"body":"financial independence, which,"},{"speaker":"Andy Hart","startTime":1614.9099999999999,"endTime":1617.9699999999998,"body":"again, is a slightly slightly"},{"speaker":"Andy Hart","startTime":1614.9099999999999,"endTime":1617.9699999999998,"body":"different strategy of creating"},{"speaker":"Andy Hart","startTime":1617.9699999999998,"endTime":1621.1499999999999,"body":"the wealth and obviously, you"},{"speaker":"Andy Hart","startTime":1617.9699999999998,"endTime":1621.1499999999999,"body":"know, living off it. And then"},{"speaker":"Andy Hart","startTime":1621.1499999999999,"endTime":1624.09,"body":"the other bit is, you know,"},{"speaker":"Andy Hart","startTime":1621.1499999999999,"endTime":1624.09,"body":"retire early that that, again,"},{"speaker":"Andy Hart","startTime":1624.09,"endTime":1627.6,"body":"is the bit that some people sort"},{"speaker":"Andy Hart","startTime":1624.09,"endTime":1627.6,"body":"of sort of argue about. And then"},{"speaker":"Andy Hart","startTime":1627.6,"endTime":1630.2099999999998,"body":"it's like, well, what are you"},{"speaker":"Andy Hart","startTime":1627.6,"endTime":1630.2099999999998,"body":"retiring to as cold calls it the"},{"speaker":"Andy Hart","startTime":1630.2099999999998,"endTime":1634.8899999999999,"body":"third act, etc. So, yeah, that's"},{"speaker":"Andy Hart","startTime":1630.2099999999998,"endTime":1634.8899999999999,"body":"the movement, financial"},{"speaker":"Andy Hart","startTime":1634.8899999999999,"endTime":1638.04,"body":"independence, retire early. But"},{"speaker":"Andy Hart","startTime":1634.8899999999999,"endTime":1638.04,"body":"the reason why I like the"},{"speaker":"Andy Hart","startTime":1638.04,"endTime":1642.06,"body":"movement, generally, is because"},{"speaker":"Andy Hart","startTime":1638.04,"endTime":1642.06,"body":"I believe they're, they're"},{"speaker":"Andy Hart","startTime":1642.06,"endTime":1645.3899999999999,"body":"distilling the essence of"},{"speaker":"Andy Hart","startTime":1642.06,"endTime":1645.3899999999999,"body":"financial success. So the first"},{"speaker":"Andy Hart","startTime":1645.3899999999999,"endTime":1647.37,"body":"thing they want you to do is"},{"speaker":"Andy Hart","startTime":1645.3899999999999,"endTime":1647.37,"body":"obviously work out what your"},{"speaker":"Andy Hart","startTime":1647.37,"endTime":1649.7099999999998,"body":"personal monthly burn rate is,"},{"speaker":"Andy Hart","startTime":1647.37,"endTime":1649.7099999999998,"body":"how much money you're spending"},{"speaker":"Andy Hart","startTime":1649.7099999999998,"endTime":1652.1999999999998,"body":"every single month, you know,"},{"speaker":"Andy Hart","startTime":1649.7099999999998,"endTime":1652.1999999999998,"body":"what amount do you need, if"},{"speaker":"Andy Hart","startTime":1652.1999999999998,"endTime":1655.6499999999999,"body":"you've got no mortgage? Got no"},{"speaker":"Andy Hart","startTime":1652.1999999999998,"endTime":1655.6499999999999,"body":"kids? You know, what does that"},{"speaker":"Andy Hart","startTime":1655.6499999999999,"endTime":1659.61,"body":"look like? So So that's so they"},{"speaker":"Andy Hart","startTime":1655.6499999999999,"endTime":1659.61,"body":"they confirm that number? Keep"},{"speaker":"Andy Hart","startTime":1659.61,"endTime":1661.4699999999998,"body":"it simple. And let's say it's"},{"speaker":"Andy Hart","startTime":1659.61,"endTime":1661.4699999999998,"body":"three grand a month, so"},{"speaker":"Andy Hart","startTime":1661.4699999999998,"endTime":1663.33,"body":"someone's spend three grand a"},{"speaker":"Andy Hart","startTime":1661.4699999999998,"endTime":1663.33,"body":"month for the rest of their"},{"speaker":"Andy Hart","startTime":1663.33,"endTime":1667.1399999999999,"body":"life. In the fire community, you"},{"speaker":"Andy Hart","startTime":1663.33,"endTime":1667.1399999999999,"body":"generally times that you you're"},{"speaker":"Andy Hart","startTime":1667.1399999999999,"endTime":1670.08,"body":"trying to work out what the safe"},{"speaker":"Andy Hart","startTime":1667.1399999999999,"endTime":1670.08,"body":"withdrawal rate is from from"},{"speaker":"Andy Hart","startTime":1670.08,"endTime":1673.7099999999998,"body":"from a stash of cash, basically."},{"speaker":"Andy Hart","startTime":1670.08,"endTime":1673.7099999999998,"body":"So let's say it was three grand"},{"speaker":"Andy Hart","startTime":1673.7099999999998,"endTime":1677.4299999999998,"body":"a month, you times that by 300,"},{"speaker":"Andy Hart","startTime":1673.7099999999998,"endTime":1677.4299999999998,"body":"that's 900,000, you need 900,000"},{"speaker":"Andy Hart","startTime":1677.4299999999998,"endTime":1679.53,"body":"golden coins, and you're going"},{"speaker":"Andy Hart","startTime":1677.4299999999998,"endTime":1679.53,"body":"to be financially independent."},{"speaker":"Andy Hart","startTime":1679.53,"endTime":1682.9799999999998,"body":"That's the back of a fag packet"},{"speaker":"Andy Hart","startTime":1679.53,"endTime":1682.9799999999998,"body":"calculation. The next question"},{"speaker":"Andy Hart","startTime":1682.9799999999998,"endTime":1686.01,"body":"is, well, what are you going to"},{"speaker":"Andy Hart","startTime":1682.9799999999998,"endTime":1686.01,"body":"do in terms of trying to create"},{"speaker":"Andy Hart","startTime":1686.01,"endTime":1688.4399999999998,"body":"this 900,000 or a million"},{"speaker":"Andy Hart","startTime":1686.01,"endTime":1688.4399999999998,"body":"pounds, keep it simple, a"},{"speaker":"Andy Hart","startTime":1688.4399999999998,"endTime":1692.37,"body":"million golden coins. Again,"},{"speaker":"Andy Hart","startTime":1688.4399999999998,"endTime":1692.37,"body":"they're huge fans of global"},{"speaker":"Andy Hart","startTime":1692.37,"endTime":1696.6899999999998,"body":"equities, they get rid of all"},{"speaker":"Andy Hart","startTime":1692.37,"endTime":1696.6899999999998,"body":"the other financial trash, all"},{"speaker":"Andy Hart","startTime":1696.6899999999998,"endTime":1699.51,"body":"the other marketing BS, and they"},{"speaker":"Andy Hart","startTime":1696.6899999999998,"endTime":1699.51,"body":"just go right, all of your"},{"speaker":"Andy Hart","startTime":1699.51,"endTime":1701.6399999999999,"body":"wealth is going to come from"},{"speaker":"Andy Hart","startTime":1699.51,"endTime":1701.6399999999999,"body":"global equities, which again,"},{"speaker":"Andy Hart","startTime":1701.6399999999999,"endTime":1705.03,"body":"I'm a huge fan of, and then they"},{"speaker":"Andy Hart","startTime":1701.6399999999999,"endTime":1705.03,"body":"find the lowest charge and"},{"speaker":"Andy Hart","startTime":1705.03,"endTime":1709.8899999999999,"body":"global equity fund as a no help"},{"speaker":"Andy Hart","startTime":1705.03,"endTime":1709.8899999999999,"body":"DIY investor, and they go all in"},{"speaker":"Andy Hart","startTime":1709.8899999999999,"endTime":1714.1499999999999,"body":"on that fund. Yes, they do"},{"speaker":"Andy Hart","startTime":1709.8899999999999,"endTime":1714.1499999999999,"body":"panic, sometimes during market"},{"speaker":"Andy Hart","startTime":1714.1499999999999,"endTime":1717.09,"body":"cycles, but some of them don't."},{"speaker":"Andy Hart","startTime":1714.1499999999999,"endTime":1717.09,"body":"So again, it is all around"},{"speaker":"Andy Hart","startTime":1717.09,"endTime":1721.9199999999998,"body":"behavior. And that's basically"},{"speaker":"Andy Hart","startTime":1717.09,"endTime":1721.9199999999998,"body":"at it essence, work out how much"},{"speaker":"Andy Hart","startTime":1721.9199999999998,"endTime":1724.29,"body":"you're spending, work out how"},{"speaker":"Andy Hart","startTime":1721.9199999999998,"endTime":1724.29,"body":"much you need, and then try and"},{"speaker":"Andy Hart","startTime":1724.29,"endTime":1728.52,"body":"create that money via global"},{"speaker":"Andy Hart","startTime":1724.29,"endTime":1728.52,"body":"equities. So that's, that's my"},{"speaker":"Andy Hart","startTime":1728.85,"endTime":1731.6399999999999,"body":"starter. Over to you, Nick."},{"speaker":"Nick Lincoln","startTime":1732.6299999999999,"endTime":1735.6299999999999,"body":"Thanks, Abby. Kind"},{"speaker":"Nick Lincoln","startTime":1732.6299999999999,"endTime":1735.6299999999999,"body":"of a throwback to you? What? How"},{"speaker":"Nick Lincoln","startTime":1735.6299999999999,"endTime":1738.1499999999999,"body":"does the fire does the fire"},{"speaker":"Nick Lincoln","startTime":1735.6299999999999,"endTime":1738.1499999999999,"body":"other fire? Is the fire"},{"speaker":"Nick Lincoln","startTime":1738.1499999999999,"endTime":1740.6399999999999,"body":"movement? I'll get my words out"},{"speaker":"Nick Lincoln","startTime":1738.1499999999999,"endTime":1740.6399999999999,"body":"of it. Is the fire movement"},{"speaker":"Nick Lincoln","startTime":1740.6699999999998,"endTime":1743.82,"body":"agnostic about advisors? Or do"},{"speaker":"Nick Lincoln","startTime":1740.6699999999998,"endTime":1743.82,"body":"they have as far as you"},{"speaker":"Nick Lincoln","startTime":1743.82,"endTime":1747.2399999999998,"body":"understand any particular views"},{"speaker":"Nick Lincoln","startTime":1743.82,"endTime":1747.2399999999998,"body":"Pro or Pro?"},{"speaker":"Andy Hart","startTime":1747.299,"endTime":1750.029,"body":"Oh, no, they're very"},{"speaker":"Andy Hart","startTime":1747.299,"endTime":1750.029,"body":"much you don't need financial"},{"speaker":"Andy Hart","startTime":1750.029,"endTime":1753.869,"body":"advisors, they are an extra huge"},{"speaker":"Andy Hart","startTime":1750.029,"endTime":1753.869,"body":"cost, that will probably do a"},{"speaker":"Andy Hart","startTime":1753.869,"endTime":1757.9789999999998,"body":"worse job for you around"},{"speaker":"Andy Hart","startTime":1753.869,"endTime":1757.9789999999998,"body":"investing. And then probably add"},{"speaker":"Andy Hart","startTime":1757.9789999999998,"endTime":1760.619,"body":"no other value that that's one"},{"speaker":"Andy Hart","startTime":1757.9789999999998,"endTime":1760.619,"body":"of my concerns with the"},{"speaker":"Andy Hart","startTime":1760.619,"endTime":1764.279,"body":"movement, they think just"},{"speaker":"Andy Hart","startTime":1760.619,"endTime":1764.279,"body":"because they've read a book or a"},{"speaker":"Andy Hart","startTime":1764.279,"endTime":1768.4789999999998,"body":"blog, they think they can do it"},{"speaker":"Andy Hart","startTime":1764.279,"endTime":1768.4789999999998,"body":"themselves and a totally"},{"speaker":"Andy Hart","startTime":1768.4789999999998,"endTime":1774.9589999999998,"body":"rational and don't need any, you"},{"speaker":"Andy Hart","startTime":1768.4789999999998,"endTime":1774.9589999999998,"body":"know, help from Alan, pause when"},{"speaker":"Andy Hart","startTime":1774.9589999999998,"endTime":1777.389,"body":"you're typing, and know that"},{"speaker":"Andy Hart","startTime":1774.9589999999998,"endTime":1777.389,"body":"they're generally not fans of"},{"speaker":"Andy Hart","startTime":1777.389,"endTime":1781.049,"body":"financial advisors, which which,"},{"speaker":"Andy Hart","startTime":1777.389,"endTime":1781.049,"body":"which again, is what what I"},{"speaker":"Andy Hart","startTime":1781.049,"endTime":1783.119,"body":"think is somewhat of a concern"},{"speaker":"Andy Hart","startTime":1781.049,"endTime":1783.119,"body":"and they think everybody else"},{"speaker":"Andy Hart","startTime":1783.119,"endTime":1785.1589999999999,"body":"can do it. So when they get into"},{"speaker":"Andy Hart","startTime":1783.119,"endTime":1785.1589999999999,"body":"the fire movement, it's like a"},{"speaker":"Andy Hart","startTime":1785.1589999999999,"endTime":1787.139,"body":"mini religion it's like a"},{"speaker":"Andy Hart","startTime":1785.1589999999999,"endTime":1787.139,"body":"financial religion that's called"},{"speaker":"Andy Hart","startTime":1787.139,"endTime":1789.4189999999999,"body":"it you know, they're very, very"},{"speaker":"Andy Hart","startTime":1787.139,"endTime":1789.4189999999999,"body":"diehard about about fire."},{"speaker":"Andy Hart","startTime":1789.7489999999998,"endTime":1792.059,"body":"There'll be telling everyone at"},{"speaker":"Andy Hart","startTime":1789.7489999999998,"endTime":1792.059,"body":"work don't either you don't need"},{"speaker":"Andy Hart","startTime":1792.059,"endTime":1794.399,"body":"any financial advisors do it"},{"speaker":"Andy Hart","startTime":1792.059,"endTime":1794.399,"body":"yourself. They think everyone"},{"speaker":"Andy Hart","startTime":1794.399,"endTime":1796.559,"body":"else can do it, because they can"},{"speaker":"Andy Hart","startTime":1794.399,"endTime":1796.559,"body":"do it. It's like somebody's"},{"speaker":"Andy Hart","startTime":1796.559,"endTime":1798.539,"body":"really good at the gym just"},{"speaker":"Andy Hart","startTime":1796.559,"endTime":1798.539,"body":"telling everyone I just do it"},{"speaker":"Andy Hart","startTime":1798.539,"endTime":1800.2189999999998,"body":"yourself. Go to the gym, your"},{"speaker":"Andy Hart","startTime":1798.539,"endTime":1800.2189999999998,"body":"own. You don't your personal"},{"speaker":"Andy Hart","startTime":1800.2189999999998,"endTime":1802.349,"body":"trainer, you know, you don't"},{"speaker":"Andy Hart","startTime":1800.2189999999998,"endTime":1802.349,"body":"need coaches in your life. So,"},{"speaker":"Andy Hart","startTime":1802.9489999999998,"endTime":1804.779,"body":"so yeah, I don't know if that,"},{"speaker":"Andy Hart","startTime":1802.9489999999998,"endTime":1804.779,"body":"if that helps, Nick."},{"speaker":"Nick Lincoln","startTime":1806.04,"endTime":1807.7199999999998,"body":"It does help."},{"speaker":"Nick Lincoln","startTime":1806.04,"endTime":1807.7199999999998,"body":"Thank you. And we know now that"},{"speaker":"Nick Lincoln","startTime":1807.75,"endTime":1812.6699999999998,"body":"Alan's microphone is working,"},{"speaker":"Nick Lincoln","startTime":1807.75,"endTime":1812.6699999999998,"body":"call the financial independence"},{"speaker":"Nick Lincoln","startTime":1812.6999999999998,"endTime":1817.6499999999999,"body":"retire early concept resonates"},{"speaker":"Nick Lincoln","startTime":1812.6999999999998,"endTime":1817.6499999999999,"body":"because that's what we're"},{"speaker":"Nick Lincoln","startTime":1817.6499999999999,"endTime":1821.4299999999998,"body":"helping all our clients to, or"},{"speaker":"Nick Lincoln","startTime":1817.6499999999999,"endTime":1821.4299999999998,"body":"certainly retire to a secure,"},{"speaker":"Nick Lincoln","startTime":1821.85,"endTime":1825.4799999999998,"body":"dignified, independent"},{"speaker":"Nick Lincoln","startTime":1821.85,"endTime":1825.4799999999998,"body":"retirement. We're not so driven"},{"speaker":"Nick Lincoln","startTime":1825.4799999999998,"endTime":1828.6899999999998,"body":"about retiring early"},{"speaker":"Nick Lincoln","startTime":1825.4799999999998,"endTime":1828.6899999999998,"body":"necessarily, but the movement is"},{"speaker":"Nick Lincoln","startTime":1828.6899999999998,"endTime":1833.37,"body":"based around that. And that"},{"speaker":"Nick Lincoln","startTime":1828.6899999999998,"endTime":1833.37,"body":"involves giving up a lot of the"},{"speaker":"Nick Lincoln","startTime":1833.37,"endTime":1837.27,"body":"now but something later on and"},{"speaker":"Nick Lincoln","startTime":1833.37,"endTime":1837.27,"body":"you've got a more nuanced"},{"speaker":"Nick Lincoln","startTime":1837.84,"endTime":1838.59,"body":"thought about that."},{"speaker":"Carl Widger","startTime":1840.03,"endTime":1843.03,"body":"Yeah, well, let's"},{"speaker":"Carl Widger","startTime":1840.03,"endTime":1843.03,"body":"see if we can if we can"},{"speaker":"Carl Widger","startTime":1843.03,"endTime":1846.78,"body":"articulate it this morning guys."},{"speaker":"Carl Widger","startTime":1843.03,"endTime":1846.78,"body":"So the financial independence"},{"speaker":"Carl Widger","startTime":1846.81,"endTime":1851.1899999999998,"body":"Andy's right, that's clearly I"},{"speaker":"Carl Widger","startTime":1846.81,"endTime":1851.1899999999998,"body":"like to call that job optional"},{"speaker":"Carl Widger","startTime":1851.1899999999998,"endTime":1854.58,"body":"right. We're all trying to get"},{"speaker":"Carl Widger","startTime":1851.1899999999998,"endTime":1854.58,"body":"our clients to there as soon as"},{"speaker":"Carl Widger","startTime":1854.58,"endTime":1857.9399999999998,"body":"we can. Right? But I think the"},{"speaker":"Carl Widger","startTime":1854.58,"endTime":1857.9399999999998,"body":"bit that and I don't know"},{"speaker":"Carl Widger","startTime":1857.9399999999998,"endTime":1860.04,"body":"everything about the fire"},{"speaker":"Carl Widger","startTime":1857.9399999999998,"endTime":1860.04,"body":"movement Okay, so I haven't done"},{"speaker":"Carl Widger","startTime":1860.04,"endTime":1862.3799999999999,"body":"a ton of reading on it but I've"},{"speaker":"Carl Widger","startTime":1860.04,"endTime":1862.3799999999999,"body":"run a read a couple of case"},{"speaker":"Carl Widger","startTime":1862.3799999999999,"endTime":1867.09,"body":"studies and that kind of stuff."},{"speaker":"Carl Widger","startTime":1862.3799999999999,"endTime":1867.09,"body":"But what what I seem to see when"},{"speaker":"Carl Widger","startTime":1867.09,"endTime":1870.9599999999998,"body":"I he looked at fire case studies"},{"speaker":"Carl Widger","startTime":1867.09,"endTime":1870.9599999999998,"body":"or interviews with people who"},{"speaker":"Carl Widger","startTime":1871.2299999999998,"endTime":1874.3799999999999,"body":"you know are big in the fire"},{"speaker":"Carl Widger","startTime":1871.2299999999998,"endTime":1874.3799999999999,"body":"movement is this whole move"},{"speaker":"Carl Widger","startTime":1874.3799999999999,"endTime":1879.3,"body":"towards retire early. That's"},{"speaker":"Carl Widger","startTime":1874.3799999999999,"endTime":1879.3,"body":"always retire early and get that"},{"speaker":"Carl Widger","startTime":1879.3,"endTime":1885.03,"body":"financial independence with"},{"speaker":"Carl Widger","startTime":1879.3,"endTime":1885.03,"body":"giving stuff up now for years on"},{"speaker":"Carl Widger","startTime":1885.03,"endTime":1890.4599999999998,"body":"end, potentially decades on end"},{"speaker":"Carl Widger","startTime":1885.03,"endTime":1890.4599999999998,"body":"to try and retire at 45 or 50."},{"speaker":"Carl Widger","startTime":1890.4599999999998,"endTime":1894.6299999999999,"body":"Or earlier in some cases, right?"},{"speaker":"Carl Widger","startTime":1890.4599999999998,"endTime":1894.6299999999999,"body":"And this is the thing, and I've"},{"speaker":"Carl Widger","startTime":1894.6599999999999,"endTime":1897.1499999999999,"body":"said this, I've been so"},{"speaker":"Carl Widger","startTime":1894.6599999999999,"endTime":1897.1499999999999,"body":"consistent about this, right?"},{"speaker":"Carl Widger","startTime":1897.51,"endTime":1901.4099999999999,"body":"That that that third act that"},{"speaker":"Carl Widger","startTime":1897.51,"endTime":1901.4099999999999,"body":"Andy mentioned, right, that's,"},{"speaker":"Carl Widger","startTime":1902.25,"endTime":1905.25,"body":"if I go back to a couple of"},{"speaker":"Carl Widger","startTime":1902.25,"endTime":1905.25,"body":"episodes ago, I mentioned the"},{"speaker":"Carl Widger","startTime":1905.25,"endTime":1908.4299999999998,"body":"book by Dan Sullivan. And"},{"speaker":"Carl Widger","startTime":1905.25,"endTime":1908.4299999999998,"body":"Benjamin Hardy. And I mentioned"},{"speaker":"Carl Widger","startTime":1908.4299999999998,"endTime":1915.51,"body":"that the definition of what's"},{"speaker":"Carl Widger","startTime":1908.4299999999998,"endTime":1915.51,"body":"true wealth that, for me, they"},{"speaker":"Carl Widger","startTime":1915.51,"endTime":1918.54,"body":"put in the missing link, because"},{"speaker":"Carl Widger","startTime":1915.51,"endTime":1918.54,"body":"it was like, you know, I used to"},{"speaker":"Carl Widger","startTime":1918.54,"endTime":1921.78,"body":"always have said, and I think I"},{"speaker":"Carl Widger","startTime":1918.54,"endTime":1921.78,"body":"got it from island to be fair,"},{"speaker":"Carl Widger","startTime":1921.9299999999998,"endTime":1924.87,"body":"that you know, the definition"},{"speaker":"Carl Widger","startTime":1921.9299999999998,"endTime":1924.87,"body":"true wealth is doing what you"},{"speaker":"Carl Widger","startTime":1924.87,"endTime":1928.1399999999999,"body":"want, with whom you want, when"},{"speaker":"Carl Widger","startTime":1924.87,"endTime":1928.1399999999999,"body":"you want. But the missing link"},{"speaker":"Carl Widger","startTime":1928.1399999999999,"endTime":1932.52,"body":"for me was Dan Sullivan's"},{"speaker":"Carl Widger","startTime":1928.1399999999999,"endTime":1932.52,"body":"definition is freedom of time."},{"speaker":"Carl Widger","startTime":1932.6399999999999,"endTime":1935.6699999999998,"body":"So that's your time is yourself,"},{"speaker":"Carl Widger","startTime":1932.6399999999999,"endTime":1935.6699999999998,"body":"freedom of relationships. So"},{"speaker":"Carl Widger","startTime":1935.6699999999998,"endTime":1938.04,"body":"you're doing it with whom,"},{"speaker":"Carl Widger","startTime":1935.6699999999998,"endTime":1938.04,"body":"whatever you want to do with"},{"speaker":"Carl Widger","startTime":1938.04,"endTime":1941.37,"body":"whomever you want to do freedom"},{"speaker":"Carl Widger","startTime":1938.04,"endTime":1941.37,"body":"of money, but the last bit, so"},{"speaker":"Carl Widger","startTime":1941.37,"endTime":1943.7099999999998,"body":"freedom of money is clearly the"},{"speaker":"Carl Widger","startTime":1941.37,"endTime":1943.7099999999998,"body":"financial independence, the last"},{"speaker":"Carl Widger","startTime":1943.7099999999998,"endTime":1947.04,"body":"bit is freedom of purpose. And"},{"speaker":"Carl Widger","startTime":1943.7099999999998,"endTime":1947.04,"body":"this is the missing link for me,"},{"speaker":"Carl Widger","startTime":1947.07,"endTime":1951.54,"body":"number one, that this whole, I'm"},{"speaker":"Carl Widger","startTime":1947.07,"endTime":1951.54,"body":"going to always live almost in"},{"speaker":"Carl Widger","startTime":1951.54,"endTime":1955.7399999999998,"body":"the future, I'm not going to"},{"speaker":"Carl Widger","startTime":1951.54,"endTime":1955.7399999999998,"body":"live in the now to retire early."},{"speaker":"Carl Widger","startTime":1955.7399999999998,"endTime":1959.82,"body":"So to get to a place or a point"},{"speaker":"Carl Widger","startTime":1955.7399999999998,"endTime":1959.82,"body":"whereby I don't have to do"},{"speaker":"Carl Widger","startTime":1959.82,"endTime":1963.09,"body":"anything. And that's I don't"},{"speaker":"Carl Widger","startTime":1959.82,"endTime":1963.09,"body":"think that that's a great place"},{"speaker":"Carl Widger","startTime":1963.09,"endTime":1966.2099999999998,"body":"for anybody to be trying to head"},{"speaker":"Carl Widger","startTime":1963.09,"endTime":1966.2099999999998,"body":"head towards. It's like, you"},{"speaker":"Carl Widger","startTime":1966.2099999999998,"endTime":1969.87,"body":"need a purpose. You need to, I"},{"speaker":"Carl Widger","startTime":1966.2099999999998,"endTime":1969.87,"body":"think the old adage of"},{"speaker":"Carl Widger","startTime":1969.87,"endTime":1972.4499999999998,"body":"retirement where you you know,"},{"speaker":"Carl Widger","startTime":1969.87,"endTime":1972.4499999999998,"body":"play golf all the time, or do"},{"speaker":"Carl Widger","startTime":1972.4499999999998,"endTime":1975.2399999999998,"body":"your garden or sit in the beach"},{"speaker":"Carl Widger","startTime":1972.4499999999998,"endTime":1975.2399999999998,"body":"or whatever, right? That that's,"},{"speaker":"Carl Widger","startTime":1975.27,"endTime":1979.26,"body":"that's evolving, we are evolving"},{"speaker":"Carl Widger","startTime":1975.27,"endTime":1979.26,"body":"here, and people need to have"},{"speaker":"Carl Widger","startTime":1979.26,"endTime":1982.4399999999998,"body":"some kind of a purpose. So"},{"speaker":"Carl Widger","startTime":1979.26,"endTime":1982.4399999999998,"body":"that's one thing that I that I,"},{"speaker":"Carl Widger","startTime":1982.5,"endTime":1986.55,"body":"that I think is really important"},{"speaker":"Carl Widger","startTime":1982.5,"endTime":1986.55,"body":"about this. Having a goal to"},{"speaker":"Carl Widger","startTime":1986.55,"endTime":1990.06,"body":"just retire early is not enough."},{"speaker":"Carl Widger","startTime":1986.55,"endTime":1990.06,"body":"It's definitely not enough. And"},{"speaker":"Carl Widger","startTime":1990.06,"endTime":1992.3999999999999,"body":"you haven't thought that through"},{"speaker":"Carl Widger","startTime":1990.06,"endTime":1992.3999999999999,"body":"if that's all you want to do."},{"speaker":"Carl Widger","startTime":1992.76,"endTime":1996.3899999999999,"body":"And then the second thing is, I"},{"speaker":"Carl Widger","startTime":1992.76,"endTime":1996.3899999999999,"body":"did recommend a previous book,"},{"speaker":"Carl Widger","startTime":1996.3899999999999,"endTime":1998.82,"body":"I'm not going to recommend this"},{"speaker":"Carl Widger","startTime":1996.3899999999999,"endTime":1998.82,"body":"one because Eckhart Tolle has"},{"speaker":"Carl Widger","startTime":1998.82,"endTime":2001.1299999999999,"body":"written a book called The Power"},{"speaker":"Carl Widger","startTime":1998.82,"endTime":2001.1299999999999,"body":"of Now, I couldn't get it at"},{"speaker":"Carl Widger","startTime":2001.1299999999999,"endTime":2003.62,"body":"all. In fact, I went and read"},{"speaker":"Carl Widger","startTime":2001.1299999999999,"endTime":2003.62,"body":"his second book to make sure"},{"speaker":"Carl Widger","startTime":2003.62,"endTime":2007.6999999999998,"body":"that it wasn't just me, right,"},{"speaker":"Carl Widger","startTime":2003.62,"endTime":2007.6999999999998,"body":"but it's like, I just couldn't"},{"speaker":"Carl Widger","startTime":2007.6999999999998,"endTime":2008.9599999999998,"body":"really get the book. But it's"},{"speaker":"Nick Lincoln","startTime":2009.86,"endTime":2012.26,"body":"a moment. I"},{"speaker":"Nick Lincoln","startTime":2009.86,"endTime":2012.26,"body":"thought it was just me. Thank"},{"speaker":"Nick Lincoln","startTime":2012.26,"endTime":2012.4399999999998,"body":"you."},{"speaker":"Andy Hart","startTime":2013.0089999999998,"endTime":2016.399,"body":"Yeah, I absolutely"},{"speaker":"Andy Hart","startTime":2013.0089999999998,"endTime":2016.399,"body":"loved that book. The power now."},{"speaker":"Andy Hart","startTime":2016.4589999999998,"endTime":2023.1789999999999,"body":"There you go. That book hit me"},{"speaker":"Andy Hart","startTime":2016.4589999999998,"endTime":2023.1789999999999,"body":"in the eyes. A lot. I know a lot"},{"speaker":"Andy Hart","startTime":2023.1789999999999,"endTime":2027.7089999999998,"body":"of people are super fans of that"},{"speaker":"Andy Hart","startTime":2023.1789999999999,"endTime":2027.7089999999998,"body":"book. But yeah. Yeah. And"},{"speaker":"Carl Widger","startTime":2027.7089999999998,"endTime":2029.9589999999998,"body":"to be fair, to be"},{"speaker":"Carl Widger","startTime":2027.7089999999998,"endTime":2029.9589999999998,"body":"fair, Andy, I have as well, I"},{"speaker":"Carl Widger","startTime":2029.9589999999998,"endTime":2032.9289999999999,"body":"know, loads of people who rave"},{"speaker":"Carl Widger","startTime":2029.9589999999998,"endTime":2032.9289999999999,"body":"about it, right. But I do like"},{"speaker":"Carl Widger","startTime":2032.9289999999999,"endTime":2036.2589999999998,"body":"the concept of the book about"},{"speaker":"Carl Widger","startTime":2032.9289999999999,"endTime":2036.2589999999998,"body":"the living in the present moment"},{"speaker":"Carl Widger","startTime":2036.2589999999998,"endTime":2037.4589999999998,"body":"right now called the"},{"speaker":"Andy Hart","startTime":2037.4589999999998,"endTime":2039.379,"body":"person supporting you"},{"speaker":"Andy Hart","startTime":2037.4589999999998,"endTime":2039.379,"body":"on this book recommendations."},{"speaker":"Andy Hart","startTime":2039.379,"endTime":2041.299,"body":"And Nick Lincoln, okay, all"},{"speaker":"Andy Hart","startTime":2039.379,"endTime":2041.299,"body":"right."},{"speaker":"Carl Widger","startTime":2041.899,"endTime":2045.559,"body":"No, I'm not look, I"},{"speaker":"Carl Widger","startTime":2041.899,"endTime":2045.559,"body":"I'm admitting I'm admitting"},{"speaker":"Carl Widger","startTime":2045.559,"endTime":2048.229,"body":"myself here that I haven't got"},{"speaker":"Carl Widger","startTime":2045.559,"endTime":2048.229,"body":"it. But that doesn't mean it's"},{"speaker":"Carl Widger","startTime":2048.229,"endTime":2050.779,"body":"not a great book. So you know,"},{"speaker":"Carl Widger","startTime":2048.229,"endTime":2050.779,"body":"go and check it out yourself,"},{"speaker":"Carl Widger","startTime":2050.779,"endTime":2054.739,"body":"right. But the essence or the"},{"speaker":"Carl Widger","startTime":2050.779,"endTime":2054.739,"body":"concept is to live your life"},{"speaker":"Carl Widger","startTime":2054.739,"endTime":2058.639,"body":"now. And I'm guilty, I was"},{"speaker":"Carl Widger","startTime":2054.739,"endTime":2058.639,"body":"guilty in the past of always"},{"speaker":"Carl Widger","startTime":2058.639,"endTime":2063.139,"body":"living at the moment of hitting"},{"speaker":"Carl Widger","startTime":2058.639,"endTime":2063.139,"body":"the next goal or the next target"},{"speaker":"Carl Widger","startTime":2063.139,"endTime":2067.189,"body":"or whatever. And I'm, it's self"},{"speaker":"Carl Widger","startTime":2063.139,"endTime":2067.189,"body":"taught for me all the time. So"},{"speaker":"Carl Widger","startTime":2067.189,"endTime":2070.279,"body":"you got to enjoy the journey,"},{"speaker":"Carl Widger","startTime":2067.189,"endTime":2070.279,"body":"and you got to make experiences"},{"speaker":"Carl Widger","startTime":2070.279,"endTime":2073.639,"body":"along the journey. And they're"},{"speaker":"Carl Widger","startTime":2070.279,"endTime":2073.639,"body":"the magical moments that you'll"},{"speaker":"Carl Widger","startTime":2073.639,"endTime":2079.309,"body":"remember as you go on, I just"},{"speaker":"Carl Widger","startTime":2073.639,"endTime":2079.309,"body":"feel perhaps the fire movement"},{"speaker":"Carl Widger","startTime":2080.239,"endTime":2082.849,"body":"are gonna miss out on some of"},{"speaker":"Carl Widger","startTime":2080.239,"endTime":2082.849,"body":"that magical journey. Because"},{"speaker":"Carl Widger","startTime":2082.969,"endTime":2086.569,"body":"sometimes, you know, you might"},{"speaker":"Carl Widger","startTime":2082.969,"endTime":2086.569,"body":"have to spend a few extra quid"},{"speaker":"Carl Widger","startTime":2086.779,"endTime":2090.289,"body":"to have those experiences like"},{"speaker":"Carl Widger","startTime":2086.779,"endTime":2090.289,"body":"going to behind me, here's"},{"speaker":"Carl Widger","startTime":2090.379,"endTime":2093.619,"body":"Yosemite right with your kids"},{"speaker":"Carl Widger","startTime":2090.379,"endTime":2093.619,"body":"or, or going to avoid can't"},{"speaker":"Carl Widger","startTime":2093.619,"endTime":2097.609,"body":"match what your mates you know,"},{"speaker":"Carl Widger","startTime":2093.619,"endTime":2097.609,"body":"so sort of that's kind of my"},{"speaker":"Carl Widger","startTime":2097.639,"endTime":2102.679,"body":"problem. But I will say have not"},{"speaker":"Carl Widger","startTime":2097.639,"endTime":2102.679,"body":"is it a massive problem? No,"},{"speaker":"Carl Widger","startTime":2102.679,"endTime":2106.609,"body":"because I think the total"},{"speaker":"Carl Widger","startTime":2102.679,"endTime":2106.609,"body":"financial independence is real"},{"speaker":"Carl Widger","startTime":2106.609,"endTime":2109.969,"body":"and we should all be trying to"},{"speaker":"Carl Widger","startTime":2106.609,"endTime":2109.969,"body":"get there. And do I know loads"},{"speaker":"Carl Widger","startTime":2109.969,"endTime":2114.379,"body":"about it? I probably don't. So"},{"speaker":"Carl Widger","startTime":2109.969,"endTime":2114.379,"body":"am I in the best position to"},{"speaker":"Carl Widger","startTime":2114.529,"endTime":2117.049,"body":"comment? Maybe I'm not blush. I"},{"speaker":"Carl Widger","startTime":2114.529,"endTime":2117.049,"body":"just have"},{"speaker":"Nick Lincoln","startTime":2118.82,"endTime":2121.4,"body":"Yes, I mean, the"},{"speaker":"Nick Lincoln","startTime":2118.82,"endTime":2121.4,"body":"bars of Gay Paree can certainly"},{"speaker":"Nick Lincoln","startTime":2121.4,"endTime":2127.22,"body":"attest to you living in the now."},{"speaker":"Nick Lincoln","startTime":2121.4,"endTime":2127.22,"body":"So by you, you've been"},{"speaker":"Nick Lincoln","startTime":2127.22,"endTime":2127.97,"body":"relatively quiet."},{"speaker":"Carl Widger","startTime":2129.65,"endTime":2133.73,"body":"As opposed to you"},{"speaker":"Carl Widger","startTime":2129.65,"endTime":2133.73,"body":"like you were sitting outside."},{"speaker":"Carl Widger","startTime":2133.73,"endTime":2137.0299999999997,"body":"Yeah. Anyway, anyway."},{"speaker":"Nick Lincoln","startTime":2137.509,"endTime":2138.949,"body":"Mr. Smith, do you"},{"speaker":"Nick Lincoln","startTime":2137.509,"endTime":2138.949,"body":"have anything to say?"},{"speaker":"Alan Smith","startTime":2139.58,"endTime":2142.31,"body":"Yeah, a couple of"},{"speaker":"Alan Smith","startTime":2139.58,"endTime":2142.31,"body":"things. i In all honesty, I"},{"speaker":"Alan Smith","startTime":2142.31,"endTime":2145.4,"body":"haven't spent a great deal of"},{"speaker":"Alan Smith","startTime":2142.31,"endTime":2145.4,"body":"time thinking about fire."},{"speaker":"Alan Smith","startTime":2146.45,"endTime":2149.15,"body":"Because I didn't I didn't really"},{"speaker":"Alan Smith","startTime":2146.45,"endTime":2149.15,"body":"get it because it's to me it's"},{"speaker":"Alan Smith","startTime":2149.15,"endTime":2151.43,"body":"kind of bleeding obvious, isn't"},{"speaker":"Alan Smith","startTime":2149.15,"endTime":2151.43,"body":"it? Is that isn't that what"},{"speaker":"Alan Smith","startTime":2151.43,"endTime":2154.13,"body":"we're all trying to do financial"},{"speaker":"Alan Smith","startTime":2151.43,"endTime":2154.13,"body":"independence is just all those"},{"speaker":"Alan Smith","startTime":2154.13,"endTime":2157.49,"body":"things is work optional. And"},{"speaker":"Alan Smith","startTime":2154.13,"endTime":2157.49,"body":"maybe they've taken it to"},{"speaker":"Alan Smith","startTime":2158.0299999999997,"endTime":2161.39,"body":"another level. But there's a"},{"speaker":"Alan Smith","startTime":2158.0299999999997,"endTime":2161.39,"body":"couple of couple of brief"},{"speaker":"Alan Smith","startTime":2161.42,"endTime":2167.42,"body":"reflections. Many years ago, I"},{"speaker":"Alan Smith","startTime":2161.42,"endTime":2167.42,"body":"read the book enough by Paul"},{"speaker":"Alan Smith","startTime":2167.45,"endTime":2170.42,"body":"Thompson, who's a you know, an"},{"speaker":"Alan Smith","startTime":2167.45,"endTime":2170.42,"body":"influential a lot of people's a"},{"speaker":"Alan Smith","startTime":2170.5099999999998,"endTime":2173.21,"body":"lot of advisors lives and all"},{"speaker":"Alan Smith","startTime":2170.5099999999998,"endTime":2173.21,"body":"the work that he did and his"},{"speaker":"Alan Smith","startTime":2173.21,"endTime":2176.8399999999997,"body":"cash flow stuff and everything."},{"speaker":"Alan Smith","startTime":2173.21,"endTime":2176.8399999999997,"body":"And to me that That was the that"},{"speaker":"Alan Smith","startTime":2176.8399999999997,"endTime":2180.65,"body":"was my first time I kind of if"},{"speaker":"Alan Smith","startTime":2176.8399999999997,"endTime":2180.65,"body":"you like, got it, it wasn't it"},{"speaker":"Alan Smith","startTime":2180.65,"endTime":2182.39,"body":"wasn't talking about fire"},{"speaker":"Alan Smith","startTime":2180.65,"endTime":2182.39,"body":"obviously, before we're just"},{"speaker":"Alan Smith","startTime":2182.39,"endTime":2185.2999999999997,"body":"talking about how much is enough"},{"speaker":"Alan Smith","startTime":2182.39,"endTime":2185.2999999999997,"body":"effectively, he runs through a"},{"speaker":"Alan Smith","startTime":2185.2999999999997,"endTime":2188.06,"body":"few case studies, which if you"},{"speaker":"Alan Smith","startTime":2185.2999999999997,"endTime":2188.06,"body":"read it, you can immediately"},{"speaker":"Alan Smith","startTime":2188.06,"endTime":2191.0899999999997,"body":"relate to it. Oh yeah, I've got"},{"speaker":"Alan Smith","startTime":2188.06,"endTime":2191.0899999999997,"body":"a client a bit like that. Or I"},{"speaker":"Alan Smith","startTime":2191.0899999999997,"endTime":2193.2799999999997,"body":"know someone who's a bit like"},{"speaker":"Alan Smith","startTime":2191.0899999999997,"endTime":2193.2799999999997,"body":"the other one that the and so"},{"speaker":"Alan Smith","startTime":2193.2799999999997,"endTime":2196.7,"body":"that was what it was all about"},{"speaker":"Alan Smith","startTime":2193.2799999999997,"endTime":2196.7,"body":"is identifying what a life well"},{"speaker":"Alan Smith","startTime":2196.7,"endTime":2199.94,"body":"lived looked like, putting some"},{"speaker":"Alan Smith","startTime":2196.7,"endTime":2199.94,"body":"figures numbers around it, and"},{"speaker":"Alan Smith","startTime":2199.94,"endTime":2201.98,"body":"then doing the reverse"},{"speaker":"Alan Smith","startTime":2199.94,"endTime":2201.98,"body":"engineering to say, well, how"},{"speaker":"Alan Smith","startTime":2201.98,"endTime":2203.93,"body":"much do you need to save now"},{"speaker":"Alan Smith","startTime":2201.98,"endTime":2203.93,"body":"what might you need to sell your"},{"speaker":"Alan Smith","startTime":2203.93,"endTime":2207.8599999999997,"body":"business for or whatever. So"},{"speaker":"Alan Smith","startTime":2203.93,"endTime":2207.8599999999997,"body":"that is the version as far as"},{"speaker":"Alan Smith","startTime":2207.8599999999997,"endTime":2211.97,"body":"I'm concerned of before fire is"},{"speaker":"Alan Smith","startTime":2207.8599999999997,"endTime":2211.97,"body":"a think it's got a got a"},{"speaker":"Alan Smith","startTime":2211.97,"endTime":2215.81,"body":"reputation for being all about"},{"speaker":"Alan Smith","startTime":2211.97,"endTime":2215.81,"body":"frugality, you know, living, you"},{"speaker":"Alan Smith","startTime":2215.81,"endTime":2219.41,"body":"know, living on, you know, call"},{"speaker":"Alan Smith","startTime":2215.81,"endTime":2219.41,"body":"tenza Can beans and stuff like"},{"speaker":"Alan Smith","startTime":2219.41,"endTime":2222.41,"body":"that for 30 years in order that"},{"speaker":"Alan Smith","startTime":2219.41,"endTime":2222.41,"body":"you could retire when you're 40"},{"speaker":"Alan Smith","startTime":2222.41,"endTime":2224.81,"body":"or something like that? And I"},{"speaker":"Alan Smith","startTime":2222.41,"endTime":2224.81,"body":"don't think it necessarily"},{"speaker":"Alan Smith","startTime":2224.81,"endTime":2227.21,"body":"isn't, I think, as Andy's"},{"speaker":"Alan Smith","startTime":2224.81,"endTime":2227.21,"body":"mentioned before, there's all"},{"speaker":"Alan Smith","startTime":2227.21,"endTime":2230.0299999999997,"body":"these there's fat fire, and"},{"speaker":"Alan Smith","startTime":2227.21,"endTime":2230.0299999999997,"body":"within fire, there's various"},{"speaker":"Alan Smith","startTime":2230.0299999999997,"endTime":2232.73,"body":"variations of it. But"},{"speaker":"Alan Smith","startTime":2230.0299999999997,"endTime":2232.73,"body":"ultimately, it's always the same"},{"speaker":"Alan Smith","startTime":2232.73,"endTime":2236.69,"body":"as everything else. What if I've"},{"speaker":"Alan Smith","startTime":2232.73,"endTime":2236.69,"body":"got a relative my brother in"},{"speaker":"Alan Smith","startTime":2236.69,"endTime":2240.14,"body":"law, he sort of got into this a"},{"speaker":"Alan Smith","startTime":2236.69,"endTime":2240.14,"body":"few years ago. And what he said"},{"speaker":"Alan Smith","startTime":2240.5299999999997,"endTime":2244.58,"body":"was, all of a sudden, I had a"},{"speaker":"Alan Smith","startTime":2240.5299999999997,"endTime":2244.58,"body":"purpose for investing. I didn't"},{"speaker":"Alan Smith","startTime":2244.58,"endTime":2247.0099999999998,"body":"before that I was just sort of"},{"speaker":"Alan Smith","startTime":2244.58,"endTime":2247.0099999999998,"body":"saving or my company pension"},{"speaker":"Alan Smith","startTime":2247.0099999999998,"endTime":2251.15,"body":"scheme was obviously is it was"},{"speaker":"Alan Smith","startTime":2247.0099999999998,"endTime":2251.15,"body":"a, it was like a burden widely"},{"speaker":"Alan Smith","startTime":2251.15,"endTime":2253.8199999999997,"body":"taking money out my salary,"},{"speaker":"Alan Smith","startTime":2251.15,"endTime":2253.8199999999997,"body":"because I wanted, all of a"},{"speaker":"Alan Smith","startTime":2253.8199999999997,"endTime":2258.02,"body":"sudden you realized that this"},{"speaker":"Alan Smith","startTime":2253.8199999999997,"endTime":2258.02,"body":"was there was a purpose for him"},{"speaker":"Alan Smith","startTime":2258.02,"endTime":2260.33,"body":"saving money, then you get into"},{"speaker":"Alan Smith","startTime":2258.02,"endTime":2260.33,"body":"it, and he understands. And so"},{"speaker":"Alan Smith","startTime":2260.33,"endTime":2263.33,"body":"of course, and you're right,"},{"speaker":"Alan Smith","startTime":2260.33,"endTime":2263.33,"body":"Andy interestingly, for those"},{"speaker":"Alan Smith","startTime":2263.33,"endTime":2268.25,"body":"and and John, shout out to John,"},{"speaker":"Alan Smith","startTime":2263.33,"endTime":2268.25,"body":"he's gone deep into this. He's a"},{"speaker":"Alan Smith","startTime":2268.2799999999997,"endTime":2271.49,"body":"sort of technician by trade. So"},{"speaker":"Alan Smith","startTime":2268.2799999999997,"endTime":2271.49,"body":"he leaves no stone unturned in"},{"speaker":"Alan Smith","startTime":2271.49,"endTime":2275.33,"body":"his desire to find the optimal"},{"speaker":"Alan Smith","startTime":2271.49,"endTime":2275.33,"body":"way of saving for long term"},{"speaker":"Alan Smith","startTime":2275.33,"endTime":2279.5,"body":"returns. And what does he invest"},{"speaker":"Alan Smith","startTime":2275.33,"endTime":2279.5,"body":"in Vanguard global equities for"},{"speaker":"Alan Smith","startTime":2279.74,"endTime":2282.74,"body":"1520 basis points or something"},{"speaker":"Alan Smith","startTime":2279.74,"endTime":2282.74,"body":"like that. So that is the pure"},{"speaker":"Alan Smith","startTime":2282.74,"endTime":2287.45,"body":"distilled essence of long term"},{"speaker":"Alan Smith","startTime":2282.74,"endTime":2287.45,"body":"savings, low cost, high X, you"},{"speaker":"Alan Smith","startTime":2287.45,"endTime":2290.27,"body":"know, the best possible returns"},{"speaker":"Alan Smith","startTime":2287.45,"endTime":2290.27,"body":"you can get over the long term."},{"speaker":"Alan Smith","startTime":2290.75,"endTime":2293.87,"body":"The last thing I'll say on it is"},{"speaker":"Alan Smith","startTime":2290.75,"endTime":2293.87,"body":"the saving money for your"},{"speaker":"Alan Smith","startTime":2293.87,"endTime":2297.14,"body":"retirement, whenever that may be"},{"speaker":"Alan Smith","startTime":2293.87,"endTime":2297.14,"body":"early or late, wherever is easy"},{"speaker":"Alan Smith","startTime":2297.14,"endTime":2299.96,"body":"bit. That's just easy. That's"},{"speaker":"Alan Smith","startTime":2297.14,"endTime":2299.96,"body":"just you chuck as much as you"},{"speaker":"Alan Smith","startTime":2299.96,"endTime":2303.62,"body":"can reasonably afford into"},{"speaker":"Alan Smith","startTime":2299.96,"endTime":2303.62,"body":"global equities. And you benefit"},{"speaker":"Alan Smith","startTime":2303.62,"endTime":2307.1,"body":"from markets over the over the"},{"speaker":"Alan Smith","startTime":2303.62,"endTime":2307.1,"body":"decades, markets, you know,"},{"speaker":"Alan Smith","startTime":2307.31,"endTime":2311.33,"body":"increased returns, the hardest"},{"speaker":"Alan Smith","startTime":2307.31,"endTime":2311.33,"body":"part is coming down the other"},{"speaker":"Alan Smith","startTime":2311.33,"endTime":2314.87,"body":"side, is all the things as Carl"},{"speaker":"Alan Smith","startTime":2311.33,"endTime":2314.87,"body":"talked about. So there's this"},{"speaker":"Alan Smith","startTime":2314.87,"endTime":2317.24,"body":"sort of, there's lifestyle,"},{"speaker":"Alan Smith","startTime":2314.87,"endTime":2317.24,"body":"there's family, there's any"},{"speaker":"Alan Smith","startTime":2317.24,"endTime":2319.85,"body":"number of other issues that are"},{"speaker":"Alan Smith","startTime":2317.24,"endTime":2319.85,"body":"relevant. There's also a lot of"},{"speaker":"Alan Smith","startTime":2319.85,"endTime":2323.48,"body":"technical aspects about the"},{"speaker":"Alan Smith","startTime":2319.85,"endTime":2323.48,"body":"coming down the other side, I'm"},{"speaker":"Alan Smith","startTime":2323.48,"endTime":2327.2,"body":"going to post a link in the show"},{"speaker":"Alan Smith","startTime":2323.48,"endTime":2327.2,"body":"notes to a recent article from"},{"speaker":"Alan Smith","startTime":2327.2,"endTime":2330.1099999999997,"body":"there's a website and so part of"},{"speaker":"Alan Smith","startTime":2327.2,"endTime":2330.1099999999997,"body":"this the same fire community."},{"speaker":"Alan Smith","startTime":2330.41,"endTime":2333.5299999999997,"body":"It's called early, I think it's"},{"speaker":"Alan Smith","startTime":2330.41,"endTime":2333.5299999999997,"body":"called retire early now. But"},{"speaker":"Alan Smith","startTime":2333.5299999999997,"endTime":2336.92,"body":"this is a very detailed article,"},{"speaker":"Alan Smith","startTime":2333.5299999999997,"endTime":2336.92,"body":"sorry. Yeah, early retirement"},{"speaker":"Alan Smith","startTime":2336.92,"endTime":2339.95,"body":"now.com. And I'll put a post a"},{"speaker":"Alan Smith","startTime":2336.92,"endTime":2339.95,"body":"link to a specific article, the"},{"speaker":"Alan Smith","startTime":2339.95,"endTime":2343.58,"body":"safe withdrawal rate series,"},{"speaker":"Alan Smith","startTime":2339.95,"endTime":2343.58,"body":"they're making the point, that"},{"speaker":"Alan Smith","startTime":2343.58,"endTime":2346.1,"body":"the difference we've all heard"},{"speaker":"Alan Smith","startTime":2343.58,"endTime":2346.1,"body":"about the this sort of safe"},{"speaker":"Alan Smith","startTime":2346.1,"endTime":2348.92,"body":"withdrawal, a 4% withdrawal"},{"speaker":"Alan Smith","startTime":2346.1,"endTime":2348.92,"body":"rate, some people believe in it,"},{"speaker":"Alan Smith","startTime":2348.92,"endTime":2351.23,"body":"some people challenge it, it's"},{"speaker":"Alan Smith","startTime":2348.92,"endTime":2351.23,"body":"all fine, whatever you want to"},{"speaker":"Alan Smith","startTime":2351.23,"endTime":2354.29,"body":"believe in. But in this article,"},{"speaker":"Alan Smith","startTime":2351.23,"endTime":2354.29,"body":"which is very well written, they"},{"speaker":"Alan Smith","startTime":2354.29,"endTime":2357.02,"body":"say the difference between a 4%"},{"speaker":"Alan Smith","startTime":2354.29,"endTime":2357.02,"body":"and a three and a half percent"},{"speaker":"Alan Smith","startTime":2357.02,"endTime":2361.79,"body":"can be life changing can be so"},{"speaker":"Alan Smith","startTime":2357.02,"endTime":2361.79,"body":"impactful for you and yet but"},{"speaker":"Alan Smith","startTime":2361.97,"endTime":2365.06,"body":"beneath the various that in"},{"speaker":"Alan Smith","startTime":2361.97,"endTime":2365.06,"body":"other words, the whole thing is"},{"speaker":"Alan Smith","startTime":2365.06,"endTime":2369.1099999999997,"body":"very nuanced. And doing that"},{"speaker":"Alan Smith","startTime":2365.06,"endTime":2369.1099999999997,"body":"without an advisor can lead to"},{"speaker":"Alan Smith","startTime":2369.1099999999997,"endTime":2372.47,"body":"some negative returns over the"},{"speaker":"Alan Smith","startTime":2369.1099999999997,"endTime":2372.47,"body":"long term. So as I say, growing"},{"speaker":"Alan Smith","startTime":2372.47,"endTime":2375.23,"body":"your assets to retire early is"},{"speaker":"Alan Smith","startTime":2372.47,"endTime":2375.23,"body":"pretty straightforward. Coming"},{"speaker":"Alan Smith","startTime":2375.23,"endTime":2377.87,"body":"down the other side of the"},{"speaker":"Alan Smith","startTime":2375.23,"endTime":2377.87,"body":"mountain isn't as easy as people"},{"speaker":"Alan Smith","startTime":2377.87,"endTime":2381.62,"body":"might think it is at that point,"},{"speaker":"Alan Smith","startTime":2377.87,"endTime":2381.62,"body":"you may wish to hire a fee only"},{"speaker":"Alan Smith","startTime":2381.62,"endTime":2384.47,"body":"advisor to get you through some"},{"speaker":"Alan Smith","startTime":2381.62,"endTime":2384.47,"body":"of those challenging points."},{"speaker":"Alan Smith","startTime":2386.0899999999997,"endTime":2386.48,"body":"Andy"},{"speaker":"Andy Hart","startTime":2386.93,"endTime":2390.0499999999997,"body":"Yeah, good point on"},{"speaker":"Andy Hart","startTime":2386.93,"endTime":2390.0499999999997,"body":"that island. The latest client"},{"speaker":"Andy Hart","startTime":2390.0499999999997,"endTime":2393.44,"body":"has taken on it try to embark on"},{"speaker":"Andy Hart","startTime":2390.0499999999997,"endTime":2393.44,"body":"this on his own and numbers just"},{"speaker":"Andy Hart","startTime":2393.44,"endTime":2396.62,"body":"got too big and he needed a lot"},{"speaker":"Andy Hart","startTime":2393.44,"endTime":2396.62,"body":"help and since I've worked with"},{"speaker":"Andy Hart","startTime":2396.62,"endTime":2399.5299999999997,"body":"him I've added so much value."},{"speaker":"Andy Hart","startTime":2396.62,"endTime":2399.5299999999997,"body":"The first thing we did is work"},{"speaker":"Andy Hart","startTime":2399.5299999999997,"endTime":2401.75,"body":"out the money flow where's the"},{"speaker":"Andy Hart","startTime":2399.5299999999997,"endTime":2401.75,"body":"money flowing? Is it going to"},{"speaker":"Andy Hart","startTime":2401.75,"endTime":2403.3399999999997,"body":"the right parts and is it doing"},{"speaker":"Andy Hart","startTime":2401.75,"endTime":2403.3399999999997,"body":"the right thing?"},{"speaker":"Unknown","startTime":2405.41,"endTime":2411.02,"body":"And the the Hilldrup a"},{"speaker":"Unknown","startTime":2405.41,"endTime":2411.02,"body":"Darien Andy knows about"},{"speaker":"Unknown","startTime":2411.02,"endTime":2416.87,"body":"everything Andy can be told"},{"speaker":"Unknown","startTime":2411.02,"endTime":2416.87,"body":"anything. His name is Andrew"},{"speaker":"Unknown","startTime":2416.87,"endTime":2417.44,"body":"Hart."},{"speaker":"Andy Hart","startTime":2422.0,"endTime":2424.58,"body":"So I suppose it again"},{"speaker":"Andy Hart","startTime":2422.0,"endTime":2424.58,"body":"boils down to we help people"},{"speaker":"Andy Hart","startTime":2424.58,"endTime":2429.56,"body":"answer expensive questions"},{"speaker":"Andy Hart","startTime":2424.58,"endTime":2429.56,"body":"seamless, seamless. Yeah, so it"},{"speaker":"Andy Hart","startTime":2429.56,"endTime":2432.5299999999997,"body":"got to a point where he had"},{"speaker":"Andy Hart","startTime":2429.56,"endTime":2432.5299999999997,"body":"expensive questions. He didn't"},{"speaker":"Andy Hart","startTime":2432.5299999999997,"endTime":2435.35,"body":"want to make a mistake. So"},{"speaker":"Andy Hart","startTime":2432.5299999999997,"endTime":2435.35,"body":"pensee So our financial advisor,"},{"speaker":"Andy Hart","startTime":2435.56,"endTime":2439.64,"body":"Alan mentioned it is this Lean"},{"speaker":"Andy Hart","startTime":2435.56,"endTime":2439.64,"body":"versus fat fire. So lean is yes,"},{"speaker":"Andy Hart","startTime":2439.64,"endTime":2445.3399999999997,"body":"I want to retire at 37 sell my"},{"speaker":"Andy Hart","startTime":2439.64,"endTime":2445.3399999999997,"body":"car eat very fruit frugally,"},{"speaker":"Andy Hart","startTime":2445.73,"endTime":2448.46,"body":"conveniently that they don't"},{"speaker":"Andy Hart","startTime":2445.73,"endTime":2448.46,"body":"have children, you know, and"},{"speaker":"Andy Hart","startTime":2448.46,"endTime":2451.7599999999998,"body":"they only want to have a burn"},{"speaker":"Andy Hart","startTime":2448.46,"endTime":2451.7599999999998,"body":"rate of, I don't know, 2200"},{"speaker":"Andy Hart","startTime":2451.7599999999998,"endTime":2454.2799999999997,"body":"pounds a month and you know, and"},{"speaker":"Andy Hart","startTime":2451.7599999999998,"endTime":2454.2799999999997,"body":"they can get there relatively"},{"speaker":"Andy Hart","startTime":2454.2799999999997,"endTime":2457.6099999999997,"body":"easily. Where it's fat fire is"},{"speaker":"Andy Hart","startTime":2454.2799999999997,"endTime":2457.6099999999997,"body":"you know, I want to spend 10"},{"speaker":"Andy Hart","startTime":2457.6099999999997,"endTime":2460.22,"body":"grand a month I still crunch all"},{"speaker":"Andy Hart","startTime":2457.6099999999997,"endTime":2460.22,"body":"the numbers are still being"},{"speaker":"Andy Hart","startTime":2460.22,"endTime":2463.67,"body":"global equities. I still want to"},{"speaker":"Andy Hart","startTime":2460.22,"endTime":2463.67,"body":"retire earlier, let's say 46 and"},{"speaker":"Andy Hart","startTime":2463.67,"endTime":2466.22,"body":"do something that I'm more"},{"speaker":"Andy Hart","startTime":2463.67,"endTime":2466.22,"body":"passionate about. So it's not as"},{"speaker":"Andy Hart","startTime":2466.22,"endTime":2469.43,"body":"if I'm gonna retire at 46 You"},{"speaker":"Andy Hart","startTime":2466.22,"endTime":2469.43,"body":"know, and sit there and do"},{"speaker":"Andy Hart","startTime":2469.43,"endTime":2472.6099999999997,"body":"nothing, you know, I'm going to"},{"speaker":"Andy Hart","startTime":2469.43,"endTime":2472.6099999999997,"body":"be driven and you know, help"},{"speaker":"Andy Hart","startTime":2472.6099999999997,"endTime":2475.7599999999998,"body":"more and more people for what I"},{"speaker":"Andy Hart","startTime":2472.6099999999997,"endTime":2475.7599999999998,"body":"can do. So you can there's"},{"speaker":"Andy Hart","startTime":2475.7599999999998,"endTime":2478.49,"body":"various ways ways to skin it"},{"speaker":"Andy Hart","startTime":2475.7599999999998,"endTime":2478.49,"body":"slice and dice it. If you're a"},{"speaker":"Andy Hart","startTime":2478.49,"endTime":2480.8599999999997,"body":"financial advisor, listen to"},{"speaker":"Andy Hart","startTime":2478.49,"endTime":2480.8599999999997,"body":"this one of the greatest books I"},{"speaker":"Andy Hart","startTime":2480.8599999999997,"endTime":2486.5299999999997,"body":"think on fire up, you know,"},{"speaker":"Andy Hart","startTime":2480.8599999999997,"endTime":2486.5299999999997,"body":"successful investing. hammering"},{"speaker":"Andy Hart","startTime":2486.5299999999997,"endTime":2489.5,"body":"home a very simple point in"},{"speaker":"Andy Hart","startTime":2486.5299999999997,"endTime":2489.5,"body":"multiple different ways is a"},{"speaker":"Andy Hart","startTime":2489.5,"endTime":2494.0299999999997,"body":"book by JL Collins. It's called"},{"speaker":"Andy Hart","startTime":2489.5,"endTime":2494.0299999999997,"body":"Simple Path to Wealth, I"},{"speaker":"Andy Hart","startTime":2494.0299999999997,"endTime":2496.46,"body":"recommend you listen to it on"},{"speaker":"Andy Hart","startTime":2494.0299999999997,"endTime":2496.46,"body":"Audible books is read by the"},{"speaker":"Andy Hart","startTime":2496.46,"endTime":2500.54,"body":"author is basically a book from"},{"speaker":"Andy Hart","startTime":2496.46,"endTime":2500.54,"body":"him to his daughter telling her"},{"speaker":"Andy Hart","startTime":2500.5699999999997,"endTime":2503.21,"body":"what he thinks she should invest"},{"speaker":"Andy Hart","startTime":2500.5699999999997,"endTime":2503.21,"body":"in throughout her life. So it's"},{"speaker":"Andy Hart","startTime":2503.21,"endTime":2507.14,"body":"got a sort of narrative running"},{"speaker":"Andy Hart","startTime":2503.21,"endTime":2507.14,"body":"through it. And I think it's a"},{"speaker":"Andy Hart","startTime":2507.2,"endTime":2510.23,"body":"an awesome book. So I do"},{"speaker":"Andy Hart","startTime":2507.2,"endTime":2510.23,"body":"recommend that financial"},{"speaker":"Andy Hart","startTime":2510.23,"endTime":2514.0099999999998,"body":"advisors check that out anyway."},{"speaker":"Andy Hart","startTime":2510.23,"endTime":2514.0099999999998,"body":"Anyone else?"},{"speaker":"Nick Lincoln","startTime":2515.5099999999998,"endTime":2519.2599999999998,"body":"So it's a couple"},{"speaker":"Nick Lincoln","startTime":2515.5099999999998,"endTime":2519.2599999999998,"body":"of points there. And we agree"},{"speaker":"Nick Lincoln","startTime":2519.2599999999998,"endTime":2522.2,"body":"that Anna's point is very good,"},{"speaker":"Nick Lincoln","startTime":2519.2599999999998,"endTime":2522.2,"body":"but it really it really is"},{"speaker":"Nick Lincoln","startTime":2522.2,"endTime":2526.1,"body":"relatively painless to sock"},{"speaker":"Nick Lincoln","startTime":2522.2,"endTime":2526.1,"body":"money away though it if you've"},{"speaker":"Nick Lincoln","startTime":2526.1,"endTime":2529.04,"body":"got a significant amount of"},{"speaker":"Nick Lincoln","startTime":2526.1,"endTime":2529.04,"body":"money stashed in various tax"},{"speaker":"Nick Lincoln","startTime":2529.04,"endTime":2533.0,"body":"privileged pots in the UK and in"},{"speaker":"Nick Lincoln","startTime":2529.04,"endTime":2533.0,"body":"Ireland. And then you need to"},{"speaker":"Nick Lincoln","startTime":2533.0,"endTime":2537.62,"body":"start turning those taps on you"},{"speaker":"Nick Lincoln","startTime":2533.0,"endTime":2537.62,"body":"make one mistake that I I'm not,"},{"speaker":"Nick Lincoln","startTime":2537.68,"endTime":2540.17,"body":"I'm not beating myself up for"},{"speaker":"Nick Lincoln","startTime":2537.68,"endTime":2540.17,"body":"the sake of it. But it's I'm"},{"speaker":"Nick Lincoln","startTime":2540.17,"endTime":2543.44,"body":"just saying unadvised you can"},{"speaker":"Nick Lincoln","startTime":2540.17,"endTime":2543.44,"body":"accrue money if you've got that"},{"speaker":"Nick Lincoln","startTime":2543.44,"endTime":2546.68,"body":"mentality. If you don't have"},{"speaker":"Nick Lincoln","startTime":2543.44,"endTime":2546.68,"body":"money outgoings, if you'd happen"},{"speaker":"Nick Lincoln","startTime":2546.68,"endTime":2549.41,"body":"not to have children, that makes"},{"speaker":"Nick Lincoln","startTime":2546.68,"endTime":2549.41,"body":"it obviously easier, that's fine"},{"speaker":"Nick Lincoln","startTime":2549.41,"endTime":2553.19,"body":"in the accumulation stage, you"},{"speaker":"Nick Lincoln","startTime":2549.41,"endTime":2553.19,"body":"can probably get knowledge, you"},{"speaker":"Nick Lincoln","startTime":2553.19,"endTime":2556.7,"body":"know, information from the"},{"speaker":"Nick Lincoln","startTime":2553.19,"endTime":2556.7,"body":"internet to get you there. And"},{"speaker":"Nick Lincoln","startTime":2556.7,"endTime":2558.77,"body":"you can work out your own"},{"speaker":"Nick Lincoln","startTime":2556.7,"endTime":2558.77,"body":"budget, and you're probably a"},{"speaker":"Nick Lincoln","startTime":2558.98,"endTime":2561.44,"body":"lot of engineers are probably"},{"speaker":"Nick Lincoln","startTime":2558.98,"endTime":2561.44,"body":"fire people, they're probably"},{"speaker":"Nick Lincoln","startTime":2561.44,"endTime":2565.19,"body":"are just very analytical, bang,"},{"speaker":"Nick Lincoln","startTime":2561.44,"endTime":2565.19,"body":"bang, bang, bang, bang, you get"},{"speaker":"Nick Lincoln","startTime":2565.19,"endTime":2567.23,"body":"the other side, we need to go"},{"speaker":"Nick Lincoln","startTime":2565.19,"endTime":2567.23,"body":"start turning on those tabs. So"},{"speaker":"Nick Lincoln","startTime":2567.23,"endTime":2569.21,"body":"you've got to be dealing with"},{"speaker":"Nick Lincoln","startTime":2567.23,"endTime":2569.21,"body":"taxes you've got to be doing,"},{"speaker":"Nick Lincoln","startTime":2569.6,"endTime":2572.33,"body":"knowing the legislation, one"},{"speaker":"Nick Lincoln","startTime":2569.6,"endTime":2572.33,"body":"false move on pensions or what"},{"speaker":"Nick Lincoln","startTime":2572.33,"endTime":2575.24,"body":"have you. It does get more"},{"speaker":"Nick Lincoln","startTime":2572.33,"endTime":2575.24,"body":"tricky them. And again, I'm sure"},{"speaker":"Nick Lincoln","startTime":2575.24,"endTime":2578.6,"body":"there are many in the fire"},{"speaker":"Nick Lincoln","startTime":2575.24,"endTime":2578.6,"body":"movement, who who can do that? I"},{"speaker":"Nick Lincoln","startTime":2578.6,"endTime":2580.94,"body":"think, for us as financial"},{"speaker":"Nick Lincoln","startTime":2578.6,"endTime":2580.94,"body":"planners. And so this is"},{"speaker":"Nick Lincoln","startTime":2580.94,"endTime":2583.31,"body":"becoming more and more of a"},{"speaker":"Nick Lincoln","startTime":2580.94,"endTime":2583.31,"body":"thing with the work of Mitch"},{"speaker":"Nick Lincoln","startTime":2583.31,"endTime":2587.06,"body":"Antony and his cohorts in the US"},{"speaker":"Nick Lincoln","startTime":2583.31,"endTime":2587.06,"body":"and also people in this in this"},{"speaker":"Nick Lincoln","startTime":2587.0899999999997,"endTime":2589.91,"body":"in this country. It's not what"},{"speaker":"Nick Lincoln","startTime":2587.0899999999997,"endTime":2589.91,"body":"are you retiring from is what"},{"speaker":"Nick Lincoln","startTime":2589.91,"endTime":2592.8199999999997,"body":"are you retiring to? So we as"},{"speaker":"Nick Lincoln","startTime":2589.91,"endTime":2592.8199999999997,"body":"advisors are building these"},{"speaker":"Nick Lincoln","startTime":2592.8199999999997,"endTime":2595.49,"body":"fantastic financial plans for"},{"speaker":"Nick Lincoln","startTime":2592.8199999999997,"endTime":2595.49,"body":"clients getting them to that. So"},{"speaker":"Nick Lincoln","startTime":2595.49,"endTime":2598.88,"body":"that point of independence. But"},{"speaker":"Nick Lincoln","startTime":2595.49,"endTime":2598.88,"body":"there's a lot more to it than"},{"speaker":"Nick Lincoln","startTime":2598.88,"endTime":2601.0099999999998,"body":"that. And we're starting to"},{"speaker":"Nick Lincoln","startTime":2598.88,"endTime":2601.0099999999998,"body":"involve in our conversations"},{"speaker":"Nick Lincoln","startTime":2601.0099999999998,"endTime":2603.5,"body":"with people coming into that"},{"speaker":"Nick Lincoln","startTime":2601.0099999999998,"endTime":2603.5,"body":"retirement sweet spot. Questions"},{"speaker":"Nick Lincoln","startTime":2603.5,"endTime":2606.5299999999997,"body":"about okay, what it How are you"},{"speaker":"Nick Lincoln","startTime":2603.5,"endTime":2606.5299999999997,"body":"going to fill your time and"},{"speaker":"Nick Lincoln","startTime":2606.5299999999997,"endTime":2608.93,"body":"these are people who aren't"},{"speaker":"Nick Lincoln","startTime":2606.5299999999997,"endTime":2608.93,"body":"retiring at 43 or 44. These are"},{"speaker":"Nick Lincoln","startTime":2608.93,"endTime":2611.81,"body":"people who are CEOs you know,"},{"speaker":"Nick Lincoln","startTime":2608.93,"endTime":2611.81,"body":"they're successful people,"},{"speaker":"Nick Lincoln","startTime":2611.81,"endTime":2614.21,"body":"they've they built their own"},{"speaker":"Nick Lincoln","startTime":2611.81,"endTime":2614.21,"body":"businesses, maybe retiring what"},{"speaker":"Nick Lincoln","startTime":2614.21,"endTime":2618.1099999999997,"body":"we consider a normal age of late"},{"speaker":"Nick Lincoln","startTime":2614.21,"endTime":2618.1099999999997,"body":"50s, early 60s, and for them is"},{"speaker":"Nick Lincoln","startTime":2618.1099999999997,"endTime":2621.29,"body":"a dramatic move, because all of"},{"speaker":"Nick Lincoln","startTime":2618.1099999999997,"endTime":2621.29,"body":"their social worth are a lot of"},{"speaker":"Nick Lincoln","startTime":2621.29,"endTime":2623.81,"body":"their social work comes from"},{"speaker":"Nick Lincoln","startTime":2621.29,"endTime":2623.81,"body":"work, they don't realize it till"},{"speaker":"Nick Lincoln","startTime":2623.81,"endTime":2626.18,"body":"it's gone. And we're coaching"},{"speaker":"Nick Lincoln","startTime":2623.81,"endTime":2626.18,"body":"these people through that"},{"speaker":"Nick Lincoln","startTime":2626.18,"endTime":2628.67,"body":"transition, as well as dealing"},{"speaker":"Nick Lincoln","startTime":2626.18,"endTime":2628.67,"body":"with the money stuff. But these"},{"speaker":"Nick Lincoln","startTime":2628.67,"endTime":2631.31,"body":"five people, they're talking,"},{"speaker":"Nick Lincoln","startTime":2628.67,"endTime":2631.31,"body":"you know, we want to go early"},{"speaker":"Nick Lincoln","startTime":2631.31,"endTime":2636.83,"body":"40s, early 40s. Okay, what are"},{"speaker":"Nick Lincoln","startTime":2631.31,"endTime":2636.83,"body":"you retiring to? All your mates"},{"speaker":"Nick Lincoln","startTime":2636.8599999999997,"endTime":2639.02,"body":"more than likely assuming you"},{"speaker":"Nick Lincoln","startTime":2636.8599999999997,"endTime":2639.02,"body":"have them are going to be"},{"speaker":"Nick Lincoln","startTime":2639.02,"endTime":2641.93,"body":"working? What what are you"},{"speaker":"Nick Lincoln","startTime":2639.02,"endTime":2641.93,"body":"doing, you know, you and you've"},{"speaker":"Nick Lincoln","startTime":2641.93,"endTime":2644.33,"body":"got, you spent 20 years"},{"speaker":"Nick Lincoln","startTime":2641.93,"endTime":2644.33,"body":"scrimping and scraping to build"},{"speaker":"Nick Lincoln","startTime":2644.33,"endTime":2648.35,"body":"up these pots. So you've built"},{"speaker":"Nick Lincoln","startTime":2644.33,"endTime":2648.35,"body":"up very little social credit"},{"speaker":"Nick Lincoln","startTime":2648.38,"endTime":2650.45,"body":"because you won't have been on"},{"speaker":"Nick Lincoln","startTime":2648.38,"endTime":2650.45,"body":"you want to belong to clubs, I"},{"speaker":"Nick Lincoln","startTime":2650.45,"endTime":2652.97,"body":"wouldn't have thought you won't"},{"speaker":"Nick Lincoln","startTime":2650.45,"endTime":2652.97,"body":"go on holidays or lavish"},{"speaker":"Nick Lincoln","startTime":2652.97,"endTime":2656.0899999999997,"body":"holidays. You won't have that"},{"speaker":"Nick Lincoln","startTime":2652.97,"endTime":2656.0899999999997,"body":"network around you. Now you've"},{"speaker":"Nick Lincoln","startTime":2656.0899999999997,"endTime":2661.04,"body":"got in quotes enough. Six"},{"speaker":"Nick Lincoln","startTime":2656.0899999999997,"endTime":2661.04,"body":"decades ahead. I mean, that's"},{"speaker":"Nick Lincoln","startTime":2661.04,"endTime":2663.0499999999997,"body":"the only thing I would say. Now"},{"speaker":"Nick Lincoln","startTime":2661.04,"endTime":2663.0499999999997,"body":"I'm coming to this again like"},{"speaker":"Nick Lincoln","startTime":2663.0499999999997,"endTime":2665.3599999999997,"body":"because I'm not part of it. I"},{"speaker":"Nick Lincoln","startTime":2663.0499999999997,"endTime":2665.3599999999997,"body":"did try to become part of it as"},{"speaker":"Nick Lincoln","startTime":2665.3599999999997,"endTime":2667.91,"body":"a lurker Don't worry, Andy, I'm"},{"speaker":"Nick Lincoln","startTime":2665.3599999999997,"endTime":2667.91,"body":"not gonna, I'm not gonna say"},{"speaker":"Nick Lincoln","startTime":2667.91,"endTime":2672.0499999999997,"body":"anything particularly egregious"},{"speaker":"Nick Lincoln","startTime":2667.91,"endTime":2672.0499999999997,"body":"here. So I'm the UK fire"},{"speaker":"Nick Lincoln","startTime":2672.0499999999997,"endTime":2676.04,"body":"movement has a Facebook page."},{"speaker":"Nick Lincoln","startTime":2672.0499999999997,"endTime":2676.04,"body":"And I'm a look on Facebook."},{"speaker":"Nick Lincoln","startTime":2676.04,"endTime":2678.56,"body":"Facebook is where hope goes to"},{"speaker":"Nick Lincoln","startTime":2676.04,"endTime":2678.56,"body":"die. So I have no presence on"},{"speaker":"Nick Lincoln","startTime":2678.56,"endTime":2680.66,"body":"there. But it's it has one use,"},{"speaker":"Nick Lincoln","startTime":2678.56,"endTime":2680.66,"body":"it's quite good for groups. If"},{"speaker":"Nick Lincoln","startTime":2680.66,"endTime":2683.93,"body":"you've got a niche. It's quite"},{"speaker":"Nick Lincoln","startTime":2680.66,"endTime":2683.93,"body":"good for groups. So I joined the"},{"speaker":"Nick Lincoln","startTime":2683.93,"endTime":2688.67,"body":"UK fire page and then within a"},{"speaker":"Nick Lincoln","startTime":2683.93,"endTime":2688.67,"body":"day I was chucked off it and"},{"speaker":"Nick Lincoln","startTime":2688.67,"endTime":2690.5299999999997,"body":"normally that happens because I"},{"speaker":"Nick Lincoln","startTime":2688.67,"endTime":2690.5299999999997,"body":"start typing stuff. I've been"},{"speaker":"Nick Lincoln","startTime":2690.5299999999997,"endTime":2693.2599999999998,"body":"chucked off so many groups No, I"},{"speaker":"Nick Lincoln","startTime":2690.5299999999997,"endTime":2693.2599999999998,"body":"I've got a Google sheet of"},{"speaker":"Nick Lincoln","startTime":2693.2599999999998,"endTime":2695.63,"body":"groups I've been banned from"},{"speaker":"Nick Lincoln","startTime":2693.2599999999998,"endTime":2695.63,"body":"disabling trying to reapply to"},{"speaker":"Nick Lincoln","startTime":2695.63,"endTime":2697.88,"body":"join. This is the first group"},{"speaker":"Nick Lincoln","startTime":2695.63,"endTime":2697.88,"body":"we've ever joined. I've been"},{"speaker":"Nick Lincoln","startTime":2697.88,"endTime":2701.18,"body":"kicked off for not posting"},{"speaker":"Nick Lincoln","startTime":2697.88,"endTime":2701.18,"body":"anything without posting"},{"speaker":"Nick Lincoln","startTime":2701.18,"endTime":2704.2999999999997,"body":"anything, which is even by my"},{"speaker":"Nick Lincoln","startTime":2701.18,"endTime":2704.2999999999997,"body":"standards is a work of art. And"},{"speaker":"Nick Lincoln","startTime":2704.33,"endTime":2706.94,"body":"I just I don't know, the"},{"speaker":"Nick Lincoln","startTime":2704.33,"endTime":2706.94,"body":"moderators were very passive"},{"speaker":"Nick Lincoln","startTime":2706.94,"endTime":2708.47,"body":"aggressive, and I got the"},{"speaker":"Nick Lincoln","startTime":2706.94,"endTime":2708.47,"body":"impression these people are"},{"speaker":"Nick Lincoln","startTime":2708.47,"endTime":2712.58,"body":"very, very heavy on Excel skills"},{"speaker":"Nick Lincoln","startTime":2708.47,"endTime":2712.58,"body":"are very light on social skills."},{"speaker":"Nick Lincoln","startTime":2712.8199999999997,"endTime":2715.73,"body":"So that might be a defining"},{"speaker":"Nick Lincoln","startTime":2712.8199999999997,"endTime":2715.73,"body":"characteristic or the moderators"},{"speaker":"Nick Lincoln","startTime":2715.73,"endTime":2717.95,"body":"on this group and that they were"},{"speaker":"Nick Lincoln","startTime":2715.73,"endTime":2717.95,"body":"very rude to some of their own"},{"speaker":"Nick Lincoln","startTime":2717.95,"endTime":2720.3199999999997,"body":"members. But maybe you've got to"},{"speaker":"Nick Lincoln","startTime":2717.95,"endTime":2720.3199999999997,"body":"be that way doing it on your"},{"speaker":"Nick Lincoln","startTime":2720.3199999999997,"endTime":2723.35,"body":"own. You just got to be"},{"speaker":"Nick Lincoln","startTime":2720.3199999999997,"endTime":2723.35,"body":"dogmatic. You don't acquire many"},{"speaker":"Nick Lincoln","startTime":2723.35,"endTime":2726.47,"body":"social skills that's fine when"},{"speaker":"Nick Lincoln","startTime":2723.35,"endTime":2726.47,"body":"you got six decades on your own."},{"speaker":"Nick Lincoln","startTime":2726.47,"endTime":2729.17,"body":"We did put some money behind"},{"speaker":"Nick Lincoln","startTime":2726.47,"endTime":2729.17,"body":"you. Good luck turning on the"},{"speaker":"Nick Lincoln","startTime":2729.17,"endTime":2732.2,"body":"social skills tap. That's why"},{"speaker":"Nick Lincoln","startTime":2729.17,"endTime":2732.2,"body":"we're in the round. I'm loving"},{"speaker":"Nick Lincoln","startTime":2732.2,"endTime":2734.72,"body":"it. I've totally for him. You"},{"speaker":"Nick Lincoln","startTime":2732.2,"endTime":2734.72,"body":"know, we want people to be"},{"speaker":"Nick Lincoln","startTime":2734.72,"endTime":2737.63,"body":"financially independent. That"},{"speaker":"Nick Lincoln","startTime":2734.72,"endTime":2737.63,"body":"that's that's our raison d'etre."},{"speaker":"Nick Lincoln","startTime":2737.63,"endTime":2741.47,"body":"Right but we want them to retire"},{"speaker":"Nick Lincoln","startTime":2737.63,"endTime":2741.47,"body":"to something with a purpose if"},{"speaker":"Nick Lincoln","startTime":2741.47,"endTime":2744.83,"body":"we can and if you want to do"},{"speaker":"Nick Lincoln","startTime":2741.47,"endTime":2744.83,"body":"that on your own, a accrue"},{"speaker":"Nick Lincoln","startTime":2744.83,"endTime":2747.0499999999997,"body":"enough and then be work out how"},{"speaker":"Nick Lincoln","startTime":2744.83,"endTime":2747.0499999999997,"body":"you're going to spend that in a"},{"speaker":"Nick Lincoln","startTime":2747.0499999999997,"endTime":2749.7799999999997,"body":"way that satisfies your values"},{"speaker":"Nick Lincoln","startTime":2747.0499999999997,"endTime":2749.7799999999997,"body":"and gives you meaning. I think"},{"speaker":"Nick Lincoln","startTime":2749.7799999999997,"endTime":2753.1099999999997,"body":"that's a big ask but crack on"},{"speaker":"Nick Lincoln","startTime":2749.7799999999997,"endTime":2753.1099999999997,"body":"and all power to them for trying"},{"speaker":"Nick Lincoln","startTime":2753.1099999999997,"endTime":2755.24,"body":"to do it. And for those that"},{"speaker":"Nick Lincoln","startTime":2753.1099999999997,"endTime":2755.24,"body":"don't well for doing it, well,"},{"speaker":"Nick Lincoln","startTime":2755.69,"endTime":2757.85,"body":"that's my thought. Fair summary."},{"speaker":"Andy Hart","startTime":2759.65,"endTime":2761.7799999999997,"body":"Yep, let's, let's"},{"speaker":"Andy Hart","startTime":2759.65,"endTime":2761.7799999999997,"body":"move on here. stony"},{"speaker":"Nick Lincoln","startTime":2761.7799999999997,"endTime":2764.21,"body":"silence to me is"},{"speaker":"Nick Lincoln","startTime":2761.7799999999997,"endTime":2764.21,"body":"the Tumbleweed going by so I"},{"speaker":"Nick Lincoln","startTime":2764.21,"endTime":2767.72,"body":"think we can now go on to the"},{"speaker":"Nick Lincoln","startTime":2764.21,"endTime":2767.72,"body":"TRAPPIST questions I see. There"},{"speaker":"Nick Lincoln","startTime":2767.72,"endTime":2771.38,"body":"she is calling calling the sack"},{"speaker":"Nick Lincoln","startTime":2767.72,"endTime":2771.38,"body":"up the Dr. Post. He has come"},{"speaker":"Nick Lincoln","startTime":2771.38,"endTime":2774.5299999999997,"body":"with some more TRAPPIST"},{"speaker":"Nick Lincoln","startTime":2771.38,"endTime":2774.5299999999997,"body":"questions, beloved audience and"},{"speaker":"Nick Lincoln","startTime":2774.5299999999997,"endTime":2777.29,"body":"if you want to post one to the"},{"speaker":"Nick Lincoln","startTime":2774.5299999999997,"endTime":2777.29,"body":"group, there's that link in the"},{"speaker":"Nick Lincoln","startTime":2777.29,"endTime":2781.22,"body":"pinned tweet at the top of the"},{"speaker":"Nick Lincoln","startTime":2777.29,"endTime":2781.22,"body":"of our Twitter feed, obviously"},{"speaker":"Nick Lincoln","startTime":2781.22,"endTime":2782.75,"body":"because it's pinned Why do I"},{"speaker":"Nick Lincoln","startTime":2781.22,"endTime":2782.75,"body":"need to tell you what that"},{"speaker":"Nick Lincoln","startTime":2782.75,"endTime":2785.0899999999997,"body":"means? I don't know. I'm"},{"speaker":"Nick Lincoln","startTime":2782.75,"endTime":2785.0899999999997,"body":"rambling. I'm running on fumes"},{"speaker":"Nick Lincoln","startTime":2785.0899999999997,"endTime":2787.94,"body":"Give me a break in the so called"},{"speaker":"Nick Lincoln","startTime":2785.0899999999997,"endTime":2787.94,"body":"shownotes. There's also a link"},{"speaker":"Nick Lincoln","startTime":2787.94,"endTime":2789.71,"body":"where you can click on there and"},{"speaker":"Nick Lincoln","startTime":2787.94,"endTime":2789.71,"body":"submit your questions. We are"},{"speaker":"Nick Lincoln","startTime":2789.71,"endTime":2791.5099999999998,"body":"getting through them. I think"},{"speaker":"Nick Lincoln","startTime":2789.71,"endTime":2791.5099999999998,"body":"we're now what are we now we're"},{"speaker":"Nick Lincoln","startTime":2791.5099999999998,"endTime":2795.02,"body":"in October. We're now around"},{"speaker":"Nick Lincoln","startTime":2791.5099999999998,"endTime":2795.02,"body":"kind of March time in the"},{"speaker":"Nick Lincoln","startTime":2795.0499999999997,"endTime":2798.23,"body":"practice questions Hopper we're"},{"speaker":"Nick Lincoln","startTime":2795.0499999999997,"endTime":2798.23,"body":"up we're answering them"},{"speaker":"Nick Lincoln","startTime":2798.23,"endTime":2800.81,"body":"sequentially, we will get to"},{"speaker":"Nick Lincoln","startTime":2798.23,"endTime":2800.81,"body":"you. And we've got two more"},{"speaker":"Nick Lincoln","startTime":2800.81,"endTime":2802.67,"body":"questions that are done and"},{"speaker":"Nick Lincoln","startTime":2800.81,"endTime":2802.67,"body":"these are from because these are"},{"speaker":"Nick Lincoln","startTime":2802.67,"endTime":2805.97,"body":"actually they get delivered in"},{"speaker":"Nick Lincoln","startTime":2802.67,"endTime":2805.97,"body":"envelopes is bizarre they submit"},{"speaker":"Nick Lincoln","startTime":2805.97,"endTime":2807.62,"body":"electronically but it comes to"},{"speaker":"Nick Lincoln","startTime":2805.97,"endTime":2807.62,"body":"be an envelope then ask them"},{"speaker":"Nick Lincoln","startTime":2807.68,"endTime":2811.85,"body":"just open this one up. The first"},{"speaker":"Nick Lincoln","startTime":2807.68,"endTime":2811.85,"body":"one is from this guy sounds like"},{"speaker":"Nick Lincoln","startTime":2811.85,"endTime":2813.7999999999997,"body":"he's you've been inside center"},{"speaker":"Nick Lincoln","startTime":2811.85,"endTime":2813.7999999999997,"body":"for the All Blacks Jonno,"},{"speaker":"Nick Lincoln","startTime":2813.7999999999997,"endTime":2818.45,"body":"Randall Nash. Jonathan says, I'm"},{"speaker":"Nick Lincoln","startTime":2813.7999999999997,"endTime":2818.45,"body":"interested in how you approach"},{"speaker":"Nick Lincoln","startTime":2818.45,"endTime":2821.15,"body":"conversations with clients or"},{"speaker":"Nick Lincoln","startTime":2818.45,"endTime":2821.15,"body":"prospective clients that want to"},{"speaker":"Nick Lincoln","startTime":2821.15,"endTime":2824.0299999999997,"body":"invest in commercial property or"},{"speaker":"Nick Lincoln","startTime":2821.15,"endTime":2824.0299999999997,"body":"buy to let Jesus John and give"},{"speaker":"Nick Lincoln","startTime":2824.0299999999997,"endTime":2828.56,"body":"us a break with dying, either"},{"speaker":"Nick Lincoln","startTime":2824.0299999999997,"endTime":2828.56,"body":"personally or through sips. I"},{"speaker":"Nick Lincoln","startTime":2828.56,"endTime":2831.41,"body":"believe in the power of equity"},{"speaker":"Nick Lincoln","startTime":2828.56,"endTime":2831.41,"body":"exposure over property in the"},{"speaker":"Nick Lincoln","startTime":2831.41,"endTime":2834.68,"body":"long term, in whatever form and"},{"speaker":"Nick Lincoln","startTime":2831.41,"endTime":2834.68,"body":"talk about the advantages and"},{"speaker":"Nick Lincoln","startTime":2834.68,"endTime":2839.72,"body":"disadvantages of all sides with"},{"speaker":"Nick Lincoln","startTime":2834.68,"endTime":2839.72,"body":"a graph. With a graph over 10"},{"speaker":"Nick Lincoln","startTime":2839.72,"endTime":2841.67,"body":"years looking at their"},{"speaker":"Nick Lincoln","startTime":2839.72,"endTime":2841.67,"body":"respective returns, however, I"},{"speaker":"Nick Lincoln","startTime":2841.67,"endTime":2843.65,"body":"stopped short of saying"},{"speaker":"Nick Lincoln","startTime":2841.67,"endTime":2843.65,"body":"investing global equities over"},{"speaker":"Nick Lincoln","startTime":2843.65,"endTime":2849.3199999999997,"body":"property, do you go further, I"},{"speaker":"Nick Lincoln","startTime":2843.65,"endTime":2849.3199999999997,"body":"kick this off. And we we've"},{"speaker":"Nick Lincoln","startTime":2849.3199999999997,"endTime":2851.69,"body":"mentioned before, and I know we"},{"speaker":"Nick Lincoln","startTime":2849.3199999999997,"endTime":2851.69,"body":"should be agnostic, and we"},{"speaker":"Nick Lincoln","startTime":2851.69,"endTime":2854.8399999999997,"body":"should not go into client"},{"speaker":"Nick Lincoln","startTime":2851.69,"endTime":2854.8399999999997,"body":"meetings, and dump our"},{"speaker":"Nick Lincoln","startTime":2854.8399999999997,"endTime":2857.0899999999997,"body":"perceptions on to people but at"},{"speaker":"Nick Lincoln","startTime":2854.8399999999997,"endTime":2857.0899999999997,"body":"the end of the day, we're"},{"speaker":"Nick Lincoln","startTime":2857.0899999999997,"endTime":2860.54,"body":"liquidity managers when we make"},{"speaker":"Nick Lincoln","startTime":2857.0899999999997,"endTime":2860.54,"body":"sure people have enough at"},{"speaker":"Nick Lincoln","startTime":2860.54,"endTime":2865.58,"body":"various stages of their life, to"},{"speaker":"Nick Lincoln","startTime":2860.54,"endTime":2865.58,"body":"fund those crucial events that"},{"speaker":"Nick Lincoln","startTime":2865.58,"endTime":2868.88,"body":"all the planning and all the"},{"speaker":"Nick Lincoln","startTime":2865.58,"endTime":2868.88,"body":"saving is for and I am now"},{"speaker":"Nick Lincoln","startTime":2869.48,"endTime":2873.5899999999997,"body":"getting extremely careful with"},{"speaker":"Nick Lincoln","startTime":2869.48,"endTime":2873.5899999999997,"body":"taking on prospects who have a"},{"speaker":"Nick Lincoln","startTime":2873.5899999999997,"endTime":2876.65,"body":"buy to let portfolio not because"},{"speaker":"Nick Lincoln","startTime":2873.5899999999997,"endTime":2876.65,"body":"I'm particularly against"},{"speaker":"Nick Lincoln","startTime":2876.65,"endTime":2878.93,"body":"property per se, as an asset"},{"speaker":"Nick Lincoln","startTime":2876.65,"endTime":2878.93,"body":"class is certainly better than"},{"speaker":"Nick Lincoln","startTime":2878.93,"endTime":2883.13,"body":"sticking, sticking cash under"},{"speaker":"Nick Lincoln","startTime":2878.93,"endTime":2883.13,"body":"the bed. It's just a monumental"},{"speaker":"Nick Lincoln","startTime":2883.13,"endTime":2886.31,"body":"pain in the ass to manage it."},{"speaker":"Nick Lincoln","startTime":2883.13,"endTime":2886.31,"body":"For me as an advisor, let alone"},{"speaker":"Nick Lincoln","startTime":2886.31,"endTime":2888.02,"body":"for the clients. You know, if"},{"speaker":"Nick Lincoln","startTime":2886.31,"endTime":2888.02,"body":"you want the if you want the"},{"speaker":"Nick Lincoln","startTime":2888.02,"endTime":2891.41,"body":"cash to buy a new car, you can't"},{"speaker":"Nick Lincoln","startTime":2888.02,"endTime":2891.41,"body":"just re mortgage the porch on"},{"speaker":"Nick Lincoln","startTime":2891.41,"endTime":2895.85,"body":"the bicycle let you know it's in"},{"speaker":"Nick Lincoln","startTime":2891.41,"endTime":2895.85,"body":"the tax the tax breaks now. Now"},{"speaker":"Nick Lincoln","startTime":2895.85,"endTime":2897.71,"body":"interest rates have gone back to"},{"speaker":"Nick Lincoln","startTime":2895.85,"endTime":2897.71,"body":"somewhere that is actually"},{"speaker":"Nick Lincoln","startTime":2897.71,"endTime":2901.0699999999997,"body":"normal. Yes, people younger"},{"speaker":"Nick Lincoln","startTime":2897.71,"endTime":2901.0699999999997,"body":"people, this is normality. Okay,"},{"speaker":"Nick Lincoln","startTime":2901.37,"endTime":2905.39,"body":"the math just doesn't seem to"},{"speaker":"Nick Lincoln","startTime":2901.37,"endTime":2905.39,"body":"work. In the vast, vast majority"},{"speaker":"Nick Lincoln","startTime":2905.39,"endTime":2908.27,"body":"of cases, you've got the capital"},{"speaker":"Nick Lincoln","startTime":2905.39,"endTime":2908.27,"body":"gains regime is being really"},{"speaker":"Nick Lincoln","startTime":2908.27,"endTime":2910.85,"body":"really pinched. Again, you can't"},{"speaker":"Nick Lincoln","startTime":2908.27,"endTime":2910.85,"body":"sell a third of a property the"},{"speaker":"Nick Lincoln","startTime":2910.85,"endTime":2913.3399999999997,"body":"same way you can sell a third of"},{"speaker":"Nick Lincoln","startTime":2910.85,"endTime":2913.3399999999997,"body":"an investment property portfolio"},{"speaker":"Nick Lincoln","startTime":2913.3399999999997,"endTime":2917.8399999999997,"body":"and manage the CGT it's all or"},{"speaker":"Nick Lincoln","startTime":2913.3399999999997,"endTime":2917.8399999999997,"body":"nothing. So I would Yeah, I"},{"speaker":"Nick Lincoln","startTime":2917.8399999999997,"endTime":2923.69,"body":"would I do believe the easiest"},{"speaker":"Nick Lincoln","startTime":2917.8399999999997,"endTime":2923.69,"body":"cost, the most economical way"},{"speaker":"Nick Lincoln","startTime":2923.69,"endTime":2925.64,"body":"for most clients to achieve"},{"speaker":"Nick Lincoln","startTime":2923.69,"endTime":2925.64,"body":"financial independence in their"},{"speaker":"Nick Lincoln","startTime":2925.64,"endTime":2928.52,"body":"own terms is just to invest in"},{"speaker":"Nick Lincoln","startTime":2925.64,"endTime":2928.52,"body":"those companies, they spend"},{"speaker":"Nick Lincoln","startTime":2928.52,"endTime":2931.16,"body":"their payslips on every month"},{"speaker":"Nick Lincoln","startTime":2928.52,"endTime":2931.16,"body":"and just own a fraction of all"},{"speaker":"Nick Lincoln","startTime":2931.16,"endTime":2935.3599999999997,"body":"those great brands and walk away"},{"speaker":"Nick Lincoln","startTime":2931.16,"endTime":2935.3599999999997,"body":"and come back in 30 years. Guys,"},{"speaker":"Carl Widger","startTime":2936.529,"endTime":2940.489,"body":"I jump in,"},{"speaker":"Carl Widger","startTime":2936.529,"endTime":2940.489,"body":"obviously, been in Ireland are"},{"speaker":"Carl Widger","startTime":2940.549,"endTime":2943.3689999999997,"body":"the Irish love their property."},{"speaker":"Carl Widger","startTime":2940.549,"endTime":2943.3689999999997,"body":"So this is something that kind"},{"speaker":"Carl Widger","startTime":2943.3689999999997,"endTime":2946.699,"body":"of comes across our desk"},{"speaker":"Carl Widger","startTime":2943.3689999999997,"endTime":2946.699,"body":"summarise every single week, I"},{"speaker":"Carl Widger","startTime":2946.699,"endTime":2950.479,"body":"would say, I looked at there's a"},{"speaker":"Carl Widger","startTime":2946.699,"endTime":2950.479,"body":"couple of things. And I'm just"},{"speaker":"Carl Widger","startTime":2950.479,"endTime":2953.209,"body":"probably gonna reiterate a lot"},{"speaker":"Carl Widger","startTime":2950.479,"endTime":2953.209,"body":"of the stuff you said there,"},{"speaker":"Carl Widger","startTime":2953.209,"endTime":2957.019,"body":"Nick, but like you did, the"},{"speaker":"Carl Widger","startTime":2953.209,"endTime":2957.019,"body":"liquidity is massive. And I've"},{"speaker":"Carl Widger","startTime":2957.019,"endTime":2960.0789999999997,"body":"come across so many cases where"},{"speaker":"Carl Widger","startTime":2957.019,"endTime":2960.0789999999997,"body":"people you know, you can't sell"},{"speaker":"Carl Widger","startTime":2960.0789999999997,"endTime":2964.519,"body":"a window out of a house. So you"},{"speaker":"Carl Widger","startTime":2960.0789999999997,"endTime":2964.519,"body":"can't sell part of of property."},{"speaker":"Carl Widger","startTime":2964.519,"endTime":2969.769,"body":"So that's a big deal when you're"},{"speaker":"Carl Widger","startTime":2964.519,"endTime":2969.769,"body":"coming to that financial"},{"speaker":"Carl Widger","startTime":2969.769,"endTime":2972.199,"body":"independence stage, because"},{"speaker":"Carl Widger","startTime":2969.769,"endTime":2972.199,"body":"you're going to need to have"},{"speaker":"Carl Widger","startTime":2972.199,"endTime":2974.689,"body":"liquidity at some stage. The"},{"speaker":"Carl Widger","startTime":2972.199,"endTime":2974.689,"body":"other thing, of course, that"},{"speaker":"Carl Widger","startTime":2974.689,"endTime":2979.489,"body":"people sometimes forget is the"},{"speaker":"Carl Widger","startTime":2974.689,"endTime":2979.489,"body":"the entry and the exit costs,"},{"speaker":"Carl Widger","startTime":2979.489,"endTime":2982.8489999999997,"body":"right in terms of fees and stamp"},{"speaker":"Carl Widger","startTime":2979.489,"endTime":2982.8489999999997,"body":"duty and all of that kind of"},{"speaker":"Carl Widger","startTime":2982.8489999999997,"endTime":2986.149,"body":"stuff. People have an awful"},{"speaker":"Carl Widger","startTime":2982.8489999999997,"endTime":2986.149,"body":"habit of just forgetting about"},{"speaker":"Carl Widger","startTime":2986.149,"endTime":2989.299,"body":"that. But it's like, you know,"},{"speaker":"Carl Widger","startTime":2986.149,"endTime":2989.299,"body":"oh, Jesus Christ, those it's"},{"speaker":"Carl Widger","startTime":2989.299,"endTime":2995.1189999999997,"body":"1.2% to invest in a fund on a"},{"speaker":"Carl Widger","startTime":2989.299,"endTime":2995.1189999999997,"body":"platform or whatever, you know,"},{"speaker":"Carl Widger","startTime":2995.149,"endTime":2998.359,"body":"and it's like it pales into"},{"speaker":"Carl Widger","startTime":2995.149,"endTime":2998.359,"body":"insignificance when you compare"},{"speaker":"Carl Widger","startTime":2998.359,"endTime":3002.8889999999997,"body":"it to big upfront fees, in terms"},{"speaker":"Carl Widger","startTime":2998.359,"endTime":3002.8889999999997,"body":"of buying properties. But again,"},{"speaker":"Carl Widger","startTime":3002.8889999999997,"endTime":3008.169,"body":"it's a it's a big topic. It's"},{"speaker":"Carl Widger","startTime":3002.8889999999997,"endTime":3008.169,"body":"it's it's a difficult one, I"},{"speaker":"Carl Widger","startTime":3008.169,"endTime":3011.499,"body":"think you got to really kind of"},{"speaker":"Carl Widger","startTime":3008.169,"endTime":3011.499,"body":"work through it with somebody I"},{"speaker":"Carl Widger","startTime":3011.499,"endTime":3014.8289999999997,"body":"would say if you're if you have"},{"speaker":"Carl Widger","startTime":3011.499,"endTime":3014.8289999999997,"body":"a client who has got tons of buy"},{"speaker":"Carl Widger","startTime":3014.8289999999997,"endTime":3017.979,"body":"to let like a bad idea will be"},{"speaker":"Carl Widger","startTime":3014.8289999999997,"endTime":3017.979,"body":"to start off that conversation"},{"speaker":"Carl Widger","startTime":3017.979,"endTime":3020.799,"body":"saying you're wrong. I would say"},{"speaker":"Carl Widger","startTime":3017.979,"endTime":3020.799,"body":"maybe work through it over a"},{"speaker":"Carl Widger","startTime":3020.799,"endTime":3026.379,"body":"period of time. And I'll Andy"},{"speaker":"Carl Widger","startTime":3020.799,"endTime":3026.379,"body":"has done through Home Premium,"},{"speaker":"Carl Widger","startTime":3026.529,"endTime":3031.0589999999997,"body":"he has done a chart showing kind"},{"speaker":"Carl Widger","startTime":3026.529,"endTime":3031.0589999999997,"body":"of property returns versus long"},{"speaker":"Carl Widger","startTime":3031.0589999999997,"endTime":3034.5989999999997,"body":"term equity returns. That can be"},{"speaker":"Carl Widger","startTime":3031.0589999999997,"endTime":3034.5989999999997,"body":"handy if you like your charts."},{"speaker":"Carl Widger","startTime":3035.469,"endTime":3037.749,"body":"But yeah, it's a big topic. Yep."},{"speaker":"Carl Widger","startTime":3035.469,"endTime":3037.749,"body":"Go ahead Nick."},{"speaker":"Nick Lincoln","startTime":3037.99,"endTime":3040.9,"body":"Just provide bonds"},{"speaker":"Nick Lincoln","startTime":3037.99,"endTime":3040.9,"body":"bounce around the two ways. I"},{"speaker":"Nick Lincoln","startTime":3040.9,"endTime":3044.47,"body":"would say Jonno Randall Nash"},{"speaker":"Nick Lincoln","startTime":3040.9,"endTime":3044.47,"body":"inside center for the All"},{"speaker":"Nick Lincoln","startTime":3044.47,"endTime":3048.8199999999997,"body":"Blacks. I will refine your"},{"speaker":"Nick Lincoln","startTime":3044.47,"endTime":3048.8199999999997,"body":"prospecting process perhaps so"},{"speaker":"Nick Lincoln","startTime":3048.8199999999997,"endTime":3050.74,"body":"you don't even have these"},{"speaker":"Nick Lincoln","startTime":3048.8199999999997,"endTime":3050.74,"body":"conversations that you say at"},{"speaker":"Nick Lincoln","startTime":3050.74,"endTime":3053.17,"body":"the outset I get people to"},{"speaker":"Nick Lincoln","startTime":3050.74,"endTime":3053.17,"body":"financial Nirvana by investing"},{"speaker":"Nick Lincoln","startTime":3053.17,"endTime":3055.06,"body":"in the great companies of the"},{"speaker":"Nick Lincoln","startTime":3053.17,"endTime":3055.06,"body":"world that's our process and"},{"speaker":"Nick Lincoln","startTime":3055.06,"endTime":3057.58,"body":"then people would bite lip put"},{"speaker":"Nick Lincoln","startTime":3055.06,"endTime":3057.58,"body":"you won't because you're never"},{"speaker":"Nick Lincoln","startTime":3057.58,"endTime":3060.97,"body":"convinced them man and certainly"},{"speaker":"Nick Lincoln","startTime":3057.58,"endTime":3060.97,"body":"not with graphs and people when"},{"speaker":"Nick Lincoln","startTime":3060.97,"endTime":3063.5499999999997,"body":"they fall in love with property"},{"speaker":"Nick Lincoln","startTime":3060.97,"endTime":3063.5499999999997,"body":"as an investment. It's they fall"},{"speaker":"Nick Lincoln","startTime":3063.5499999999997,"endTime":3066.04,"body":"in love heavier than they do"},{"speaker":"Nick Lincoln","startTime":3063.5499999999997,"endTime":3066.04,"body":"with their first crush at school"},{"speaker":"Nick Lincoln","startTime":3066.25,"endTime":3069.52,"body":"is like this is love. And you"},{"speaker":"Nick Lincoln","startTime":3066.25,"endTime":3069.52,"body":"can wait you can weed out the"},{"speaker":"Nick Lincoln","startTime":3069.52,"endTime":3072.49,"body":"best graphs and the best"},{"speaker":"Nick Lincoln","startTime":3069.52,"endTime":3072.49,"body":"numbers. You know a man can vent"},{"speaker":"Nick Lincoln","startTime":3072.58,"endTime":3075.91,"body":"and or a woman or something in"},{"speaker":"Nick Lincoln","startTime":3072.58,"endTime":3075.91,"body":"between a man convinced against"},{"speaker":"Nick Lincoln","startTime":3075.91,"endTime":3078.6099999999997,"body":"his will Well is of the same"},{"speaker":"Nick Lincoln","startTime":3075.91,"endTime":3078.6099999999997,"body":"opinion still. So I would, I"},{"speaker":"Nick Lincoln","startTime":3078.6099999999997,"endTime":3080.89,"body":"would go back to your onboarding"},{"speaker":"Nick Lincoln","startTime":3078.6099999999997,"endTime":3080.89,"body":"process and say, This is how I"},{"speaker":"Nick Lincoln","startTime":3080.89,"endTime":3083.62,"body":"do it. This is the system we"},{"speaker":"Nick Lincoln","startTime":3080.89,"endTime":3083.62,"body":"use, this is what you're going"},{"speaker":"Nick Lincoln","startTime":3083.62,"endTime":3087.13,"body":"to put your money into. And then"},{"speaker":"Nick Lincoln","startTime":3083.62,"endTime":3087.13,"body":"you're going to weed out the buy"},{"speaker":"Nick Lincoln","startTime":3087.13,"endTime":3089.0499999999997,"body":"to let people who want that"},{"speaker":"Nick Lincoln","startTime":3087.13,"endTime":3089.0499999999997,"body":"because there'll be other"},{"speaker":"Nick Lincoln","startTime":3089.0499999999997,"endTime":3091.8399999999997,"body":"advisors who can handle that."},{"speaker":"Nick Lincoln","startTime":3089.0499999999997,"endTime":3091.8399999999997,"body":"That's, that's again, and that's"},{"speaker":"Nick Lincoln","startTime":3091.8399999999997,"endTime":3093.97,"body":"me being dogmatic. I hear some"},{"speaker":"Nick Lincoln","startTime":3091.8399999999997,"endTime":3093.97,"body":"people screaming, we're not"},{"speaker":"Nick Lincoln","startTime":3093.97,"endTime":3095.98,"body":"independent. If you don't agree"},{"speaker":"Nick Lincoln","startTime":3093.97,"endTime":3095.98,"body":"with the options, all rubbish,"},{"speaker":"Nick Lincoln","startTime":3095.98,"endTime":3097.81,"body":"give me a break. Right, Alan?"},{"speaker":"Nick Lincoln","startTime":3095.98,"endTime":3097.81,"body":"Andy?"},{"speaker":"Andy Hart","startTime":3098.799,"endTime":3100.689,"body":"Do you still think"},{"speaker":"Andy Hart","startTime":3098.799,"endTime":3100.689,"body":"about your first crush, Nick."},{"speaker":"Nick Lincoln","startTime":3102.97,"endTime":3106.5699999999997,"body":"I live with her."},{"speaker":"Nick Lincoln","startTime":3102.97,"endTime":3106.5699999999997,"body":"They're lovely. Good."},{"speaker":"Nick Lincoln","startTime":3114.1,"endTime":3116.77,"body":"The inside centers, comments"},{"speaker":"Nick Lincoln","startTime":3114.1,"endTime":3116.77,"body":"around them, property."},{"speaker":"Andy Hart","startTime":3118.69,"endTime":3121.9,"body":"Allah, Allah go"},{"speaker":"Andy Hart","startTime":3118.69,"endTime":3121.9,"body":"first, I'm going to be quite pro"},{"speaker":"Andy Hart","startTime":3121.9,"endTime":3123.94,"body":"properties, just chop it up."},{"speaker":"Alan Smith","startTime":3126.46,"endTime":3129.97,"body":"I mean, just"},{"speaker":"Alan Smith","startTime":3126.46,"endTime":3129.97,"body":"creating a link in the last two"},{"speaker":"Alan Smith","startTime":3130.0,"endTime":3132.16,"body":"subjects quite interesting. If"},{"speaker":"Alan Smith","startTime":3130.0,"endTime":3132.16,"body":"you've got a whole bunch of"},{"speaker":"Alan Smith","startTime":3132.16,"endTime":3135.91,"body":"people who are actively"},{"speaker":"Alan Smith","startTime":3132.16,"endTime":3135.91,"body":"engineers, financial engineers,"},{"speaker":"Alan Smith","startTime":3135.91,"endTime":3139.48,"body":"and various people who just want"},{"speaker":"Alan Smith","startTime":3135.91,"endTime":3139.48,"body":"to optimize for retirement or"},{"speaker":"Alan Smith","startTime":3139.48,"endTime":3142.24,"body":"just for financial independence,"},{"speaker":"Alan Smith","startTime":3139.48,"endTime":3142.24,"body":"I don't see anyone in the fire"},{"speaker":"Alan Smith","startTime":3142.24,"endTime":3144.7,"body":"movement recommended by"},{"speaker":"Alan Smith","startTime":3142.24,"endTime":3144.7,"body":"property, for example. So"},{"speaker":"Alan Smith","startTime":3144.7,"endTime":3146.95,"body":"they're just all about"},{"speaker":"Alan Smith","startTime":3144.7,"endTime":3146.95,"body":"distilling everything down to"},{"speaker":"Alan Smith","startTime":3146.95,"endTime":3150.31,"body":"the raw essence of what we're"},{"speaker":"Alan Smith","startTime":3146.95,"endTime":3150.31,"body":"trying to do. So that is, if"},{"speaker":"Alan Smith","startTime":3150.31,"endTime":3152.23,"body":"they were buying property that"},{"speaker":"Alan Smith","startTime":3150.31,"endTime":3152.23,"body":"they thought that was a better"},{"speaker":"Alan Smith","startTime":3152.23,"endTime":3154.0299999999997,"body":"thing, then that would be that"},{"speaker":"Alan Smith","startTime":3152.23,"endTime":3154.0299999999997,"body":"would sort of open up the"},{"speaker":"Alan Smith","startTime":3154.0299999999997,"endTime":3156.88,"body":"conversation more. So that's"},{"speaker":"Alan Smith","startTime":3154.0299999999997,"endTime":3156.88,"body":"just an observation. Just"},{"speaker":"Alan Smith","startTime":3156.88,"endTime":3161.56,"body":"thinking about last two subjects"},{"speaker":"Alan Smith","startTime":3156.88,"endTime":3161.56,"body":"that I come from my, my family,"},{"speaker":"Alan Smith","startTime":3161.56,"endTime":3164.35,"body":"historically, our property"},{"speaker":"Alan Smith","startTime":3161.56,"endTime":3164.35,"body":"people, my dad, that's how he"},{"speaker":"Alan Smith","startTime":3164.35,"endTime":3167.2599999999998,"body":"made his money back in the day,"},{"speaker":"Alan Smith","startTime":3164.35,"endTime":3167.2599999999998,"body":"real estate property"},{"speaker":"Alan Smith","startTime":3167.2599999999998,"endTime":3170.5299999999997,"body":"development, and my dad couldn't"},{"speaker":"Alan Smith","startTime":3167.2599999999998,"endTime":3170.5299999999997,"body":"see past and all of his"},{"speaker":"Alan Smith","startTime":3170.5299999999997,"endTime":3173.1099999999997,"body":"community, people I used to"},{"speaker":"Alan Smith","startTime":3170.5299999999997,"endTime":3173.1099999999997,"body":"know, growing up, couldn't see"},{"speaker":"Alan Smith","startTime":3173.1099999999997,"endTime":3176.44,"body":"past property. And what I"},{"speaker":"Alan Smith","startTime":3173.1099999999997,"endTime":3176.44,"body":"eventually came to realize it's"},{"speaker":"Alan Smith","startTime":3176.44,"endTime":3178.72,"body":"not about property is the asset"},{"speaker":"Alan Smith","startTime":3176.44,"endTime":3178.72,"body":"class, it's about this magic"},{"speaker":"Alan Smith","startTime":3178.72,"endTime":3181.75,"body":"thing called leverage, you can"},{"speaker":"Alan Smith","startTime":3178.72,"endTime":3181.75,"body":"take 10,000 pounds and go and"},{"speaker":"Alan Smith","startTime":3181.75,"endTime":3185.2599999999998,"body":"buy an asset for 100,000 pounds,"},{"speaker":"Alan Smith","startTime":3181.75,"endTime":3185.2599999999998,"body":"right, for example. And then if"},{"speaker":"Alan Smith","startTime":3185.2599999999998,"endTime":3188.92,"body":"that asset goes up by 10% a"},{"speaker":"Alan Smith","startTime":3185.2599999999998,"endTime":3188.92,"body":"year, you're getting a compound"},{"speaker":"Alan Smith","startTime":3188.92,"endTime":3191.5,"body":"return at the much higher level,"},{"speaker":"Alan Smith","startTime":3188.92,"endTime":3191.5,"body":"obviously, you've got high"},{"speaker":"Alan Smith","startTime":3191.5,"endTime":3194.56,"body":"levels of risk, you're exposed,"},{"speaker":"Alan Smith","startTime":3191.5,"endTime":3194.56,"body":"exposed to interest rate risk,"},{"speaker":"Alan Smith","startTime":3194.56,"endTime":3198.3399999999997,"body":"and any number of other factors,"},{"speaker":"Alan Smith","startTime":3194.56,"endTime":3198.3399999999997,"body":"but on the face of it, that is"},{"speaker":"Alan Smith","startTime":3198.3399999999997,"endTime":3202.3599999999997,"body":"what property is, it's a play on"},{"speaker":"Alan Smith","startTime":3198.3399999999997,"endTime":3202.3599999999997,"body":"leverage, you can't really do"},{"speaker":"Alan Smith","startTime":3202.3599999999997,"endTime":3205.8399999999997,"body":"that in this country. Not really"},{"speaker":"Alan Smith","startTime":3202.3599999999997,"endTime":3205.8399999999997,"body":"with equities, unless you sort"},{"speaker":"Alan Smith","startTime":3205.8399999999997,"endTime":3208.18,"body":"of open up margin accounts, then"},{"speaker":"Alan Smith","startTime":3205.8399999999997,"endTime":3208.18,"body":"you're into a whole other world"},{"speaker":"Alan Smith","startTime":3208.18,"endTime":3214.12,"body":"of hurt, and complexity and"},{"speaker":"Alan Smith","startTime":3208.18,"endTime":3214.12,"body":"significant risk. I don't think"},{"speaker":"Alan Smith","startTime":3214.12,"endTime":3216.31,"body":"Andy has done this as well, the"},{"speaker":"Alan Smith","startTime":3214.12,"endTime":3216.31,"body":"comment, if he's still still"},{"speaker":"Alan Smith","startTime":3216.31,"endTime":3219.16,"body":"doing it, I'm sure he let us"},{"speaker":"Alan Smith","startTime":3216.31,"endTime":3219.16,"body":"know, I've been a buy to let"},{"speaker":"Alan Smith","startTime":3219.16,"endTime":3223.0899999999997,"body":"investor I've currently got buy"},{"speaker":"Alan Smith","startTime":3219.16,"endTime":3223.0899999999997,"body":"to let property. So happens, my"},{"speaker":"Alan Smith","startTime":3223.0899999999997,"endTime":3227.68,"body":"tenant is my mother in law. So"},{"speaker":"Alan Smith","startTime":3223.0899999999997,"endTime":3227.68,"body":"she's okay, as a tenant, I can't"},{"speaker":"Alan Smith","startTime":3227.68,"endTime":3230.68,"body":"kick her out anytime I want. But"},{"speaker":"Alan Smith","startTime":3227.68,"endTime":3230.68,"body":"so therefore, it's a relatively"},{"speaker":"Alan Smith","startTime":3230.68,"endTime":3235.3599999999997,"body":"low hassle experience for me,"},{"speaker":"Alan Smith","startTime":3230.68,"endTime":3235.3599999999997,"body":"although it's not without still"},{"speaker":"Alan Smith","startTime":3235.39,"endTime":3238.24,"body":"relatively high degree of hassle"},{"speaker":"Alan Smith","startTime":3235.39,"endTime":3238.24,"body":"relative to my other"},{"speaker":"Alan Smith","startTime":3238.72,"endTime":3242.65,"body":"investments, other things that"},{"speaker":"Alan Smith","startTime":3238.72,"endTime":3242.65,"body":"I've got, there's just always"},{"speaker":"Alan Smith","startTime":3242.65,"endTime":3245.29,"body":"something to be going going on,"},{"speaker":"Alan Smith","startTime":3242.65,"endTime":3245.29,"body":"as always something about add"},{"speaker":"Alan Smith","startTime":3245.29,"endTime":3248.7999999999997,"body":"another car park outside or"},{"speaker":"Alan Smith","startTime":3245.29,"endTime":3248.7999999999997,"body":"something about the heating. And"},{"speaker":"Alan Smith","startTime":3248.7999999999997,"endTime":3251.41,"body":"you should and it's just as I"},{"speaker":"Alan Smith","startTime":3248.7999999999997,"endTime":3251.41,"body":"say, this is kind of light"},{"speaker":"Alan Smith","startTime":3251.41,"endTime":3255.73,"body":"touch. My view of property is if"},{"speaker":"Alan Smith","startTime":3251.41,"endTime":3255.73,"body":"you want to get into it, you're"},{"speaker":"Alan Smith","startTime":3255.73,"endTime":3257.77,"body":"doing it as a business, you're"},{"speaker":"Alan Smith","startTime":3255.73,"endTime":3257.77,"body":"probably doing it for a limited"},{"speaker":"Alan Smith","startTime":3257.77,"endTime":3260.38,"body":"company, you're buying five or"},{"speaker":"Alan Smith","startTime":3257.77,"endTime":3260.38,"body":"10 or 15, you're going to the"},{"speaker":"Alan Smith","startTime":3260.38,"endTime":3264.5499999999997,"body":"bank, and you've got you've got"},{"speaker":"Alan Smith","startTime":3260.38,"endTime":3264.5499999999997,"body":"highly optimized for tax, etc,"},{"speaker":"Alan Smith","startTime":3264.5499999999997,"endTime":3266.68,"body":"you've got an account, and it's"},{"speaker":"Alan Smith","startTime":3264.5499999999997,"endTime":3266.68,"body":"kind of like a business. If you"},{"speaker":"Alan Smith","startTime":3266.68,"endTime":3270.91,"body":"want to do as a business then"},{"speaker":"Alan Smith","startTime":3266.68,"endTime":3270.91,"body":"fine. But buying one or to buy"},{"speaker":"Alan Smith","startTime":3270.91,"endTime":3275.5,"body":"to let properties that just"},{"speaker":"Alan Smith","startTime":3270.91,"endTime":3275.5,"body":"that's just everything bad about"},{"speaker":"Alan Smith","startTime":3275.5,"endTime":3278.56,"body":"it is sub optimal for investment"},{"speaker":"Alan Smith","startTime":3275.5,"endTime":3278.56,"body":"returns. It's terrible nowadays"},{"speaker":"Alan Smith","startTime":3278.56,"endTime":3282.58,"body":"in the UK, at least from a tax"},{"speaker":"Alan Smith","startTime":3278.56,"endTime":3282.58,"body":"viewpoint, and just amount of"},{"speaker":"Alan Smith","startTime":3282.58,"endTime":3285.31,"body":"grief and hassle as people say,"},{"speaker":"Alan Smith","startTime":3282.58,"endTime":3285.31,"body":"you know, your vanguard"},{"speaker":"Alan Smith","startTime":3285.31,"endTime":3287.47,"body":"portfolio doesn't wake you up at"},{"speaker":"Alan Smith","startTime":3285.31,"endTime":3287.47,"body":"three in the morning because of"},{"speaker":"Alan Smith","startTime":3287.47,"endTime":3290.2,"body":"the burst pipe in the winter,"},{"speaker":"Alan Smith","startTime":3287.47,"endTime":3290.2,"body":"for example. And then other"},{"speaker":"Alan Smith","startTime":3290.2,"endTime":3292.12,"body":"people can say, oh, no, I've got"},{"speaker":"Alan Smith","startTime":3290.2,"endTime":3292.12,"body":"an agent that deals with that"},{"speaker":"Alan Smith","startTime":3292.12,"endTime":3295.12,"body":"Well, fine. And again, your"},{"speaker":"Alan Smith","startTime":3292.12,"endTime":3295.12,"body":"yield is getting lower and lower"},{"speaker":"Alan Smith","startTime":3295.12,"endTime":3299.5299999999997,"body":"paying them 10 or 20% a year to"},{"speaker":"Alan Smith","startTime":3295.12,"endTime":3299.5299999999997,"body":"manage the other hassles that go"},{"speaker":"Alan Smith","startTime":3299.5299999999997,"endTime":3303.0699999999997,"body":"on. So in summary, yeah, you"},{"speaker":"Alan Smith","startTime":3299.5299999999997,"endTime":3303.0699999999997,"body":"meet clients or prospective"},{"speaker":"Alan Smith","startTime":3303.0699999999997,"endTime":3305.5899999999997,"body":"clients have got property, don't"},{"speaker":"Alan Smith","startTime":3303.0699999999997,"endTime":3305.5899999999997,"body":"try and tell them it's terrible."},{"speaker":"Alan Smith","startTime":3305.62,"endTime":3308.3199999999997,"body":"You say it's okay, but"},{"speaker":"Alan Smith","startTime":3305.62,"endTime":3308.3199999999997,"body":"diversification is your friend,"},{"speaker":"Alan Smith","startTime":3308.3199999999997,"endTime":3310.99,"body":"you can own property. Anyone"},{"speaker":"Alan Smith","startTime":3308.3199999999997,"endTime":3310.99,"body":"that we meet nowadays are pretty"},{"speaker":"Alan Smith","startTime":3310.99,"endTime":3315.49,"body":"much trying to sell their"},{"speaker":"Alan Smith","startTime":3310.99,"endTime":3315.49,"body":"property as well. So it's the"},{"speaker":"Alan Smith","startTime":3315.52,"endTime":3318.43,"body":"hassle factor. To me, it's the"},{"speaker":"Alan Smith","startTime":3315.52,"endTime":3318.43,"body":"biggest thing. And people"},{"speaker":"Alan Smith","startTime":3318.43,"endTime":3320.71,"body":"haven't people don't recognize"},{"speaker":"Alan Smith","startTime":3318.43,"endTime":3320.71,"body":"anyone's own buy to let"},{"speaker":"Alan Smith","startTime":3320.71,"endTime":3323.65,"body":"properties for a bit of time"},{"speaker":"Alan Smith","startTime":3320.71,"endTime":3323.65,"body":"will completely relate to a"},{"speaker":"Alan Smith","startTime":3323.65,"endTime":3326.62,"body":"hassle factor. Back to you,"},{"speaker":"Alan Smith","startTime":3323.65,"endTime":3326.62,"body":"Andy."},{"speaker":"Andy Hart","startTime":3327.31,"endTime":3330.0099999999998,"body":"Yeah, got loads of"},{"speaker":"Andy Hart","startTime":3327.31,"endTime":3330.0099999999998,"body":"points to talk about here. So"},{"speaker":"Andy Hart","startTime":3330.0099999999998,"endTime":3332.14,"body":"I'll just go through a couple of"},{"speaker":"Andy Hart","startTime":3330.0099999999998,"endTime":3332.14,"body":"them. Yeah, trying to tell"},{"speaker":"Andy Hart","startTime":3332.14,"endTime":3335.41,"body":"someone who's made hundreds of"},{"speaker":"Andy Hart","startTime":3332.14,"endTime":3335.41,"body":"1000s of pounds and millions of"},{"speaker":"Andy Hart","startTime":3335.41,"endTime":3338.77,"body":"pounds personally, the property"},{"speaker":"Andy Hart","startTime":3335.41,"endTime":3338.77,"body":"is crap and doesn't work and"},{"speaker":"Andy Hart","startTime":3338.77,"endTime":3341.83,"body":"here's all the reasons why. You"},{"speaker":"Andy Hart","startTime":3338.77,"endTime":3341.83,"body":"know, pick your battles you"},{"speaker":"Andy Hart","startTime":3341.83,"endTime":3346.18,"body":"know, it's insane so yeah, I"},{"speaker":"Andy Hart","startTime":3341.83,"endTime":3346.18,"body":"Yeah, you've got to be very"},{"speaker":"Andy Hart","startTime":3346.18,"endTime":3349.0899999999997,"body":"careful in relation to that."},{"speaker":"Andy Hart","startTime":3346.18,"endTime":3349.0899999999997,"body":"You're right Alan, if they are"},{"speaker":"Andy Hart","startTime":3349.12,"endTime":3353.47,"body":"buying selling trade in"},{"speaker":"Andy Hart","startTime":3349.12,"endTime":3353.47,"body":"developing it's a business you"},{"speaker":"Andy Hart","startTime":3353.47,"endTime":3354.97,"body":"know, we know loads of"},{"speaker":"Andy Hart","startTime":3353.47,"endTime":3354.97,"body":"businesses that make a lot of"},{"speaker":"Andy Hart","startTime":3354.97,"endTime":3357.97,"body":"money so so again, yeah, the"},{"speaker":"Andy Hart","startTime":3354.97,"endTime":3357.97,"body":"property business works in that"},{"speaker":"Andy Hart","startTime":3357.97,"endTime":3361.9,"body":"essence. But yeah, if you're"},{"speaker":"Andy Hart","startTime":3357.97,"endTime":3361.9,"body":"just buying one or two, then"},{"speaker":"Andy Hart","startTime":3361.93,"endTime":3365.14,"body":"yeah, that's where a lot of the"},{"speaker":"Andy Hart","startTime":3361.93,"endTime":3365.14,"body":"of the trouble starts. The fire"},{"speaker":"Andy Hart","startTime":3365.14,"endTime":3368.74,"body":"community. You're right. They"},{"speaker":"Andy Hart","startTime":3365.14,"endTime":3368.74,"body":"never promote buying property,"},{"speaker":"Andy Hart","startTime":3368.74,"endTime":3371.89,"body":"but I'm pretty sure a load of"},{"speaker":"Andy Hart","startTime":3368.74,"endTime":3371.89,"body":"them have ended up with a load"},{"speaker":"Andy Hart","startTime":3371.89,"endTime":3374.44,"body":"of high hassle properties in"},{"speaker":"Andy Hart","startTime":3371.89,"endTime":3374.44,"body":"random areas because they've"},{"speaker":"Andy Hart","startTime":3374.44,"endTime":3377.74,"body":"listened to a random podcast."},{"speaker":"Andy Hart","startTime":3374.44,"endTime":3377.74,"body":"That's I'm promoting a new area"},{"speaker":"Andy Hart","startTime":3377.74,"endTime":3381.25,"body":"where hospitals being built and"},{"speaker":"Andy Hart","startTime":3377.74,"endTime":3381.25,"body":"some other odd things about"},{"speaker":"Andy Hart","startTime":3381.25,"endTime":3383.5,"body":"transport bought links or"},{"speaker":"Andy Hart","startTime":3381.25,"endTime":3383.5,"body":"something. So a lot of people"},{"speaker":"Andy Hart","startTime":3383.5,"endTime":3386.41,"body":"I've come across in the fire"},{"speaker":"Andy Hart","startTime":3383.5,"endTime":3386.41,"body":"community have bought high"},{"speaker":"Andy Hart","startTime":3386.41,"endTime":3390.43,"body":"household properties and random"},{"speaker":"Andy Hart","startTime":3386.41,"endTime":3390.43,"body":"places. I mean, over the last,"},{"speaker":"Andy Hart","startTime":3390.49,"endTime":3393.79,"body":"you know, few decades, property"},{"speaker":"Andy Hart","startTime":3390.49,"endTime":3393.79,"body":"has done quite well. But I think"},{"speaker":"Andy Hart","startTime":3393.79,"endTime":3398.29,"body":"we're exiting the golden age of"},{"speaker":"Andy Hart","startTime":3393.79,"endTime":3398.29,"body":"the golden age of making money"},{"speaker":"Andy Hart","startTime":3398.29,"endTime":3401.29,"body":"via property through capital"},{"speaker":"Andy Hart","startTime":3398.29,"endTime":3401.29,"body":"growth through rents through low"},{"speaker":"Andy Hart","startTime":3401.29,"endTime":3405.64,"body":"interest rates. And also, I"},{"speaker":"Andy Hart","startTime":3401.29,"endTime":3405.64,"body":"think, so I've got a lot of"},{"speaker":"Andy Hart","startTime":3405.64,"endTime":3408.13,"body":"clients that have property,"},{"speaker":"Andy Hart","startTime":3405.64,"endTime":3408.13,"body":"they're not like property"},{"speaker":"Andy Hart","startTime":3408.13,"endTime":3411.8199999999997,"body":"people. And that's all they do,"},{"speaker":"Andy Hart","startTime":3408.13,"endTime":3411.8199999999997,"body":"because their worst clients ever"},{"speaker":"Andy Hart","startTime":3411.8199999999997,"endTime":3414.67,"body":"for financial advisors, they"},{"speaker":"Andy Hart","startTime":3411.8199999999997,"endTime":3414.67,"body":"build up money in ISIS, they"},{"speaker":"Andy Hart","startTime":3414.67,"endTime":3416.92,"body":"build up money elsewhere, they"},{"speaker":"Andy Hart","startTime":3414.67,"endTime":3416.92,"body":"want to take tax free cash out"},{"speaker":"Andy Hart","startTime":3416.92,"endTime":3419.2,"body":"of the pension as soon as they"},{"speaker":"Andy Hart","startTime":3416.92,"endTime":3419.2,"body":"can to buy another product, you"},{"speaker":"Andy Hart","startTime":3419.2,"endTime":3423.1,"body":"know, so yeah, they're not good"},{"speaker":"Andy Hart","startTime":3419.2,"endTime":3423.1,"body":"clients for proper financial"},{"speaker":"Andy Hart","startTime":3423.85,"endTime":3427.24,"body":"planners as such. But then you"},{"speaker":"Andy Hart","startTime":3423.85,"endTime":3427.24,"body":"get ones in the middle that have"},{"speaker":"Andy Hart","startTime":3427.24,"endTime":3430.12,"body":"sort of hit their property goal"},{"speaker":"Andy Hart","startTime":3427.24,"endTime":3430.12,"body":"target, and now they want to,"},{"speaker":"Andy Hart","startTime":3430.15,"endTime":3434.74,"body":"you know, divest elsewhere."},{"speaker":"Andy Hart","startTime":3430.15,"endTime":3434.74,"body":"Diversify. And also I think"},{"speaker":"Andy Hart","startTime":3434.74,"endTime":3439.15,"body":"clients that are in an ideal"},{"speaker":"Andy Hart","startTime":3434.74,"endTime":3439.15,"body":"position that retire, let's say"},{"speaker":"Andy Hart","startTime":3439.15,"endTime":3441.97,"body":"65, keep it simple or 60."},{"speaker":"Andy Hart","startTime":3439.15,"endTime":3441.97,"body":"Something they got to state"},{"speaker":"Andy Hart","startTime":3441.97,"endTime":3445.39,"body":"pensions, which which are great."},{"speaker":"Andy Hart","startTime":3441.97,"endTime":3445.39,"body":"They've got a slice of rental"},{"speaker":"Andy Hart","startTime":3445.39,"endTime":3448.8399999999997,"body":"income coming in with low"},{"speaker":"Andy Hart","startTime":3445.39,"endTime":3448.8399999999997,"body":"borrowing. So it is cleared"},{"speaker":"Andy Hart","startTime":3448.8399999999997,"endTime":3452.3199999999997,"body":"money. And then they have X"},{"speaker":"Andy Hart","startTime":3448.8399999999997,"endTime":3452.3199999999997,"body":"100 1000s. In pensions, x"},{"speaker":"Andy Hart","startTime":3452.3199999999997,"endTime":3457.8399999999997,"body":"100 1000s. Is ISIS. They've got"},{"speaker":"Andy Hart","startTime":3452.3199999999997,"endTime":3457.8399999999997,"body":"a sort of a nice mix. Yeah, so"},{"speaker":"Andy Hart","startTime":3457.8399999999997,"endTime":3459.7599999999998,"body":"there's a couple of points"},{"speaker":"Andy Hart","startTime":3457.8399999999997,"endTime":3459.7599999999998,"body":"there. Yeah, I've actually just"},{"speaker":"Andy Hart","startTime":3459.7599999999998,"endTime":3462.73,"body":"sold a property in London and"},{"speaker":"Andy Hart","startTime":3459.7599999999998,"endTime":3462.73,"body":"fly and in London, I paid my"},{"speaker":"Andy Hart","startTime":3462.73,"endTime":3465.94,"body":"first CDT bill the other day,"},{"speaker":"Andy Hart","startTime":3462.73,"endTime":3465.94,"body":"which is quite a quite a"},{"speaker":"Andy Hart","startTime":3465.94,"endTime":3469.42,"body":"milestone in my little brain."},{"speaker":"Andy Hart","startTime":3465.94,"endTime":3469.42,"body":"Yeah, so I'm pleased I've got"},{"speaker":"Andy Hart","startTime":3469.42,"endTime":3472.12,"body":"rid of it. The mortgage is gonna"},{"speaker":"Andy Hart","startTime":3469.42,"endTime":3472.12,"body":"go up to, you know, a crazy"},{"speaker":"Andy Hart","startTime":3472.12,"endTime":3474.94,"body":"number. Again, yeah, we're"},{"speaker":"Andy Hart","startTime":3472.12,"endTime":3474.94,"body":"meeting a lot of clients now"},{"speaker":"Andy Hart","startTime":3474.94,"endTime":3478.24,"body":"that have property that saying,"},{"speaker":"Andy Hart","startTime":3474.94,"endTime":3478.24,"body":"oh, when the rate goes up, I'll"},{"speaker":"Andy Hart","startTime":3478.24,"endTime":3482.38,"body":"just sell it. Like as in it's"},{"speaker":"Andy Hart","startTime":3478.24,"endTime":3482.38,"body":"2%. At the moment, next, easy,"},{"speaker":"Andy Hart","startTime":3482.41,"endTime":3486.88,"body":"no, yeah. Next May when"},{"speaker":"Andy Hart","startTime":3482.41,"endTime":3486.88,"body":"everyone's running for the door,"},{"speaker":"Andy Hart","startTime":3486.97,"endTime":3490.7799999999997,"body":"and my rates are gonna go from"},{"speaker":"Andy Hart","startTime":3486.97,"endTime":3490.7799999999997,"body":"two to six. I'll just sell it"},{"speaker":"Andy Hart","startTime":3490.87,"endTime":3492.79,"body":"and I bought it for 200. I"},{"speaker":"Andy Hart","startTime":3490.87,"endTime":3492.79,"body":"definitely don't wanna sell it"},{"speaker":"Andy Hart","startTime":3492.79,"endTime":3495.73,"body":"for less than 200. No, no, no,"},{"speaker":"Andy Hart","startTime":3492.79,"endTime":3495.73,"body":"no, no. Next year in May, when"},{"speaker":"Andy Hart","startTime":3495.73,"endTime":3499.63,"body":"that goes from two to six, you,"},{"speaker":"Andy Hart","startTime":3495.73,"endTime":3499.63,"body":"nobody would even buy it for"},{"speaker":"Andy Hart","startTime":3499.63,"endTime":3504.25,"body":"140 130, who gives the monkeys"},{"speaker":"Andy Hart","startTime":3499.63,"endTime":3504.25,"body":"what you paid for it? We have"},{"speaker":"Andy Hart","startTime":3504.25,"endTime":3508.45,"body":"not even yet seen the carnage"},{"speaker":"Andy Hart","startTime":3504.25,"endTime":3508.45,"body":"that's going to develop or the"},{"speaker":"Andy Hart","startTime":3508.45,"endTime":3512.35,"body":"carnage that's going to erupt in"},{"speaker":"Andy Hart","startTime":3508.45,"endTime":3512.35,"body":"the biotech world when all of"},{"speaker":"Andy Hart","startTime":3512.35,"endTime":3516.58,"body":"these rates are, you know,"},{"speaker":"Andy Hart","startTime":3512.35,"endTime":3516.58,"body":"tripling quadrupling. My rate"},{"speaker":"Andy Hart","startTime":3516.58,"endTime":3520.48,"body":"was going to go up to nine and a"},{"speaker":"Andy Hart","startTime":3516.58,"endTime":3520.48,"body":"half percent if I stayed out, if"},{"speaker":"Andy Hart","startTime":3520.48,"endTime":3526.75,"body":"I stayed on my Mendes. standard"},{"speaker":"Andy Hart","startTime":3520.48,"endTime":3526.75,"body":"rate, so yeah, my mortgage, my"},{"speaker":"Andy Hart","startTime":3526.75,"endTime":3530.0499999999997,"body":"rent would have been 1400. And"},{"speaker":"Andy Hart","startTime":3526.75,"endTime":3530.0499999999997,"body":"the mortgage would have been"},{"speaker":"Andy Hart","startTime":3530.0499999999997,"endTime":3533.5,"body":"like two and a half grand."},{"speaker":"Andy Hart","startTime":3530.0499999999997,"endTime":3533.5,"body":"Luckily, I could sell it. It's"},{"speaker":"Andy Hart","startTime":3533.5,"endTime":3536.8599999999997,"body":"one of my success stories in"},{"speaker":"Andy Hart","startTime":3533.5,"endTime":3536.8599999999997,"body":"relation to property. I got a"},{"speaker":"Andy Hart","startTime":3536.8599999999997,"endTime":3540.16,"body":"few other horror stories anyway."},{"speaker":"Andy Hart","startTime":3536.8599999999997,"endTime":3540.16,"body":"So there's a load of points in"},{"speaker":"Andy Hart","startTime":3540.16,"endTime":3541.8399999999997,"body":"there. Anyone want to want to"},{"speaker":"Andy Hart","startTime":3540.16,"endTime":3541.8399999999997,"body":"chip in?"},{"speaker":"Nick Lincoln","startTime":3541.839,"endTime":3544.269,"body":"I think that's, I"},{"speaker":"Nick Lincoln","startTime":3541.839,"endTime":3544.269,"body":"think, I think in the downward"},{"speaker":"Nick Lincoln","startTime":3544.299,"endTime":3548.469,"body":"threat, genre ran out, yes,"},{"speaker":"Nick Lincoln","startTime":3544.299,"endTime":3548.469,"body":"something might have been you"},{"speaker":"Nick Lincoln","startTime":3548.469,"endTime":3550.899,"body":"and you only if you've got a"},{"speaker":"Nick Lincoln","startTime":3548.469,"endTime":3550.899,"body":"client who's got a limited"},{"speaker":"Nick Lincoln","startTime":3550.899,"endTime":3552.699,"body":"company full of properties"},{"speaker":"Nick Lincoln","startTime":3550.899,"endTime":3552.699,"body":"that's slightly different, you"},{"speaker":"Nick Lincoln","startTime":3552.699,"endTime":3554.739,"body":"know, a big bite lip or phone"},{"speaker":"Nick Lincoln","startTime":3552.699,"endTime":3554.739,"body":"because then you've got a"},{"speaker":"Nick Lincoln","startTime":3554.739,"endTime":3557.379,"body":"training concern, then you're in"},{"speaker":"Nick Lincoln","startTime":3554.739,"endTime":3557.379,"body":"control of salary, dividends,"},{"speaker":"Nick Lincoln","startTime":3557.589,"endTime":3560.979,"body":"all the other kinds of stuff"},{"speaker":"Nick Lincoln","startTime":3557.589,"endTime":3560.979,"body":"that that can help liquidity."},{"speaker":"Nick Lincoln","startTime":3560.979,"endTime":3563.769,"body":"But if you're one of these, if"},{"speaker":"Nick Lincoln","startTime":3560.979,"endTime":3563.769,"body":"you're dealing with clients who"},{"speaker":"Nick Lincoln","startTime":3563.769,"endTime":3566.1389999999997,"body":"have like three or four vital"},{"speaker":"Nick Lincoln","startTime":3563.769,"endTime":3566.1389999999997,"body":"hits, you know, they haven't got"},{"speaker":"Nick Lincoln","startTime":3566.1389999999997,"endTime":3568.569,"body":"quite enough to work may stick"},{"speaker":"Nick Lincoln","startTime":3566.1389999999997,"endTime":3568.569,"body":"into a limited company. It's"},{"speaker":"Nick Lincoln","startTime":3568.569,"endTime":3571.8089999999997,"body":"just like, Oh, it's from a data"},{"speaker":"Nick Lincoln","startTime":3568.569,"endTime":3571.8089999999997,"body":"gathering point of view each"},{"speaker":"Nick Lincoln","startTime":3571.8089999999997,"endTime":3574.8089999999997,"body":"year just doubles that the time"},{"speaker":"Nick Lincoln","startTime":3571.8089999999997,"endTime":3574.8089999999997,"body":"it takes to get all the updated"},{"speaker":"Nick Lincoln","startTime":3574.8089999999997,"endTime":3577.359,"body":"figures for the for the annual"},{"speaker":"Nick Lincoln","startTime":3574.8089999999997,"endTime":3577.359,"body":"planning meeting. What do you"},{"speaker":"Nick Lincoln","startTime":3577.359,"endTime":3581.529,"body":"want to call it? Okay, let's"},{"speaker":"Nick Lincoln","startTime":3577.359,"endTime":3581.529,"body":"open up the the next letter and"},{"speaker":"Nick Lincoln","startTime":3581.529,"endTime":3585.909,"body":"see who this is from. This is"},{"speaker":"Nick Lincoln","startTime":3581.529,"endTime":3585.909,"body":"from a good guy, John Doyle,"},{"speaker":"Nick Lincoln","startTime":3585.939,"endTime":3589.479,"body":"John Doe, who spoke at the ci si"},{"speaker":"Nick Lincoln","startTime":3585.939,"endTime":3589.479,"body":"conference. Unfortunately, I"},{"speaker":"Nick Lincoln","startTime":3589.479,"endTime":3592.089,"body":"missed his slot due to a"},{"speaker":"Nick Lincoln","startTime":3589.479,"endTime":3592.089,"body":"scheduling problem with his with"},{"speaker":"Nick Lincoln","startTime":3592.089,"endTime":3596.0789999999997,"body":"his presentation on my pillow."},{"speaker":"Nick Lincoln","startTime":3592.089,"endTime":3596.0789999999997,"body":"But I imagined knowing John is a"},{"speaker":"Nick Lincoln","startTime":3596.0789999999997,"endTime":3599.259,"body":"very good very good sloth John"},{"speaker":"Nick Lincoln","startTime":3596.0789999999997,"endTime":3599.259,"body":"is another one of the posts on"},{"speaker":"Nick Lincoln","startTime":3599.259,"endTime":3603.159,"body":"his belt. You know, these"},{"speaker":"Nick Lincoln","startTime":3599.259,"endTime":3603.159,"body":"parents, John Jr. When all"},{"speaker":"Nick Lincoln","startTime":3603.159,"endTime":3605.469,"body":"through his life he said there's"},{"speaker":"Nick Lincoln","startTime":3603.159,"endTime":3605.469,"body":"no age Okay, for the love of"},{"speaker":"Nick Lincoln","startTime":3605.469,"endTime":3609.399,"body":"Christ has no age. So John, his"},{"speaker":"Nick Lincoln","startTime":3605.469,"endTime":3609.399,"body":"question is speed of onboarding"},{"speaker":"Nick Lincoln","startTime":3609.399,"endTime":3612.549,"body":"from an initial planning"},{"speaker":"Nick Lincoln","startTime":3609.399,"endTime":3612.549,"body":"meeting. Two money invested, it"},{"speaker":"Nick Lincoln","startTime":3612.549,"endTime":3615.969,"body":"feels like I've gone from a one"},{"speaker":"Nick Lincoln","startTime":3612.549,"endTime":3615.969,"body":"hit wonder in 2009 to six week"},{"speaker":"Nick Lincoln","startTime":3615.969,"endTime":3619.959,"body":"Marathon Man. Amen. Further, the"},{"speaker":"Nick Lincoln","startTime":3615.969,"endTime":3619.959,"body":"delays appear to be us waiting"},{"speaker":"Nick Lincoln","startTime":3619.959,"endTime":3622.749,"body":"on information from providers."},{"speaker":"Nick Lincoln","startTime":3619.959,"endTime":3622.749,"body":"Yes, they are. But working with"},{"speaker":"Nick Lincoln","startTime":3622.959,"endTime":3625.989,"body":"doctors and dentists, we can"},{"speaker":"Nick Lincoln","startTime":3622.959,"endTime":3625.989,"body":"often be stuck waiting for weeks"},{"speaker":"Nick Lincoln","startTime":3626.019,"endTime":3628.659,"body":"for the NHS pension before"},{"speaker":"Nick Lincoln","startTime":3626.019,"endTime":3628.659,"body":"finalizing a proper financial"},{"speaker":"Nick Lincoln","startTime":3628.659,"endTime":3632.6189999999997,"body":"plan. What are your realistic"},{"speaker":"Nick Lincoln","startTime":3628.659,"endTime":3632.6189999999997,"body":"timescales, timeframes for your"},{"speaker":"Nick Lincoln","startTime":3632.6189999999997,"endTime":3636.429,"body":"onboarding process? And where do"},{"speaker":"Nick Lincoln","startTime":3632.6189999999997,"endTime":3636.429,"body":"you find your cases stuck in the"},{"speaker":"Nick Lincoln","startTime":3636.459,"endTime":3638.6189999999997,"body":"process? Well, I guess that does"},{"speaker":"Nick Lincoln","startTime":3636.459,"endTime":3638.6189999999997,"body":"depend on your client market. If"},{"speaker":"Nick Lincoln","startTime":3638.6189999999997,"endTime":3641.379,"body":"you're working with doctors and"},{"speaker":"Nick Lincoln","startTime":3638.6189999999997,"endTime":3641.379,"body":"dentists, primarily, you got the"},{"speaker":"Nick Lincoln","startTime":3641.379,"endTime":3644.6189999999997,"body":"behemoth that is the NHS. Guys,"},{"speaker":"Nick Lincoln","startTime":3641.379,"endTime":3644.6189999999997,"body":"we want to do three lead off on"},{"speaker":"Nick Lincoln","startTime":3644.6189999999997,"endTime":3646.179,"body":"that because I know you've read"},{"speaker":"Nick Lincoln","startTime":3644.6189999999997,"endTime":3646.179,"body":"that question. I've given it a"},{"speaker":"Nick Lincoln","startTime":3646.179,"endTime":3648.0389999999998,"body":"lot of thought prior to us"},{"speaker":"Nick Lincoln","startTime":3646.179,"endTime":3648.0389999999998,"body":"recording this episode."},{"speaker":"Andy Hart","startTime":3649.6,"endTime":3652.69,"body":"I'll just quickly"},{"speaker":"Andy Hart","startTime":3649.6,"endTime":3652.69,"body":"chip in. It's just small steps"},{"speaker":"Andy Hart","startTime":3652.69,"endTime":3655.87,"body":"forward of onboarding clients."},{"speaker":"Andy Hart","startTime":3652.69,"endTime":3655.87,"body":"In I say to them, there's a load"},{"speaker":"Andy Hart","startTime":3655.87,"endTime":3658.27,"body":"of stuff that we need to get"},{"speaker":"Andy Hart","startTime":3655.87,"endTime":3658.27,"body":"done sorted out probably about"},{"speaker":"Andy Hart","startTime":3658.27,"endTime":3660.58,"body":"40 Different things we need to"},{"speaker":"Andy Hart","startTime":3658.27,"endTime":3660.58,"body":"do we're just going to just keep"},{"speaker":"Andy Hart","startTime":3660.58,"endTime":3664.48,"body":"moving forward getting stuff"},{"speaker":"Andy Hart","startTime":3660.58,"endTime":3664.48,"body":"done. Even if I've got someone"},{"speaker":"Andy Hart","startTime":3664.48,"endTime":3668.02,"body":"with an NHS pension scheme, and"},{"speaker":"Andy Hart","startTime":3664.48,"endTime":3668.02,"body":"it's gonna get a rough number to"},{"speaker":"Andy Hart","startTime":3668.44,"endTime":3670.63,"body":"sketch it into the financial"},{"speaker":"Andy Hart","startTime":3668.44,"endTime":3670.63,"body":"planner then just continue to"},{"speaker":"Andy Hart","startTime":3670.63,"endTime":3673.6,"body":"sort of build into it but yeah,"},{"speaker":"Andy Hart","startTime":3670.63,"endTime":3673.6,"body":"thanks take absolute months at"},{"speaker":"Andy Hart","startTime":3673.6,"endTime":3676.8399999999997,"body":"the moment, but hey, oh, it's"},{"speaker":"Andy Hart","startTime":3673.6,"endTime":3676.8399999999997,"body":"it's all was a hassle with the"},{"speaker":"Andy Hart","startTime":3676.87,"endTime":3677.77,"body":"onboarding process."},{"speaker":"Alan Smith","startTime":3678.2799999999997,"endTime":3680.77,"body":"When George John"},{"speaker":"Alan Smith","startTime":3678.2799999999997,"endTime":3680.77,"body":"saying is going from a one hit"},{"speaker":"Alan Smith","startTime":3680.77,"endTime":3684.1,"body":"wonder, we don't quite know what"},{"speaker":"Alan Smith","startTime":3680.77,"endTime":3684.1,"body":"that means. But just what"},{"speaker":"Alan Smith","startTime":3684.1,"endTime":3686.98,"body":"signing up a client when you"},{"speaker":"Alan Smith","startTime":3684.1,"endTime":3686.98,"body":"meet. So just six week Marathon"},{"speaker":"Alan Smith","startTime":3686.98,"endTime":3690.43,"body":"Man, I mean, six weeks, in my"},{"speaker":"Alan Smith","startTime":3686.98,"endTime":3690.43,"body":"opinion is not bad. For the"},{"speaker":"Alan Smith","startTime":3690.46,"endTime":3693.13,"body":"first time you meet a client to"},{"speaker":"Alan Smith","startTime":3690.46,"endTime":3693.13,"body":"their sort of bully?"},{"speaker":"Nick Lincoln","startTime":3694.06,"endTime":3695.29,"body":"Sadly that's true."},{"speaker":"Nick Lincoln","startTime":3694.06,"endTime":3695.29,"body":"Yeah."},{"speaker":"Alan Smith","startTime":3695.589,"endTime":3700.179,"body":"Yeah. I mean, I"},{"speaker":"Alan Smith","startTime":3695.589,"endTime":3700.179,"body":"would, I could see three months"},{"speaker":"Alan Smith","startTime":3700.299,"endTime":3702.129,"body":"would be you know, yeah,"},{"speaker":"Alan Smith","startTime":3700.299,"endTime":3702.129,"body":"obviously, it depends on the"},{"speaker":"Alan Smith","startTime":3702.129,"endTime":3705.5789999999997,"body":"client. Yeah, this long, we've"},{"speaker":"Alan Smith","startTime":3702.129,"endTime":3705.5789999999997,"body":"talked, we've had, we've had a"},{"speaker":"Alan Smith","startTime":3705.5789999999997,"endTime":3708.549,"body":"year in certain circumstances,"},{"speaker":"Alan Smith","startTime":3705.5789999999997,"endTime":3708.549,"body":"oh, my God, that I talked about"},{"speaker":"Alan Smith","startTime":3708.549,"endTime":3712.569,"body":"this. And I want to have the"},{"speaker":"Alan Smith","startTime":3708.549,"endTime":3712.569,"body":"energy to explain this drama we"},{"speaker":"Alan Smith","startTime":3712.569,"endTime":3715.449,"body":"had a while ago. With this"},{"speaker":"Alan Smith","startTime":3712.569,"endTime":3715.449,"body":"particular organization. I'll"},{"speaker":"Alan Smith","startTime":3715.449,"endTime":3717.819,"body":"save that for another time. But"},{"speaker":"Alan Smith","startTime":3715.449,"endTime":3717.819,"body":"it was it was literally a year."},{"speaker":"Alan Smith","startTime":3718.5389999999998,"endTime":3722.919,"body":"It was just beyond belief. I"},{"speaker":"Alan Smith","startTime":3718.5389999999998,"endTime":3722.919,"body":"remember some years ago, I went"},{"speaker":"Alan Smith","startTime":3722.919,"endTime":3726.729,"body":"out to America on a fact finding"},{"speaker":"Alan Smith","startTime":3722.919,"endTime":3726.729,"body":"tour, and I was meeting all"},{"speaker":"Alan Smith","startTime":3726.729,"endTime":3730.779,"body":"these American advisors. And"},{"speaker":"Alan Smith","startTime":3726.729,"endTime":3730.779,"body":"they were there and that this"},{"speaker":"Alan Smith","startTime":3730.779,"endTime":3733.719,"body":"was the question that came out."},{"speaker":"Alan Smith","startTime":3730.779,"endTime":3733.719,"body":"How long does it take you guys"},{"speaker":"Alan Smith","startTime":3733.719,"endTime":3740.799,"body":"to move your youth to take on a"},{"speaker":"Alan Smith","startTime":3733.719,"endTime":3740.799,"body":"client. And because they were"},{"speaker":"Alan Smith","startTime":3740.799,"endTime":3743.529,"body":"seeing it live from the moment"},{"speaker":"Alan Smith","startTime":3740.799,"endTime":3743.529,"body":"the client signs that whatever"},{"speaker":"Alan Smith","startTime":3743.529,"endTime":3746.499,"body":"it is form, they got one form to"},{"speaker":"Alan Smith","startTime":3743.529,"endTime":3746.499,"body":"sign they said, it's like 48"},{"speaker":"Alan Smith","startTime":3746.499,"endTime":3751.1189999999997,"body":"hours, maximum, this is a form"},{"speaker":"Alan Smith","startTime":3746.499,"endTime":3751.1189999999997,"body":"to sign. And I was saying, I was"},{"speaker":"Alan Smith","startTime":3751.1189999999997,"endTime":3754.359,"body":"probably, you know, probably"},{"speaker":"Alan Smith","startTime":3751.1189999999997,"endTime":3754.359,"body":"actually shortening it. I was"},{"speaker":"Alan Smith","startTime":3754.359,"endTime":3756.8489999999997,"body":"saying, Yeah, four weeks, six"},{"speaker":"Alan Smith","startTime":3754.359,"endTime":3756.8489999999997,"body":"weeks can be a couple of months."},{"speaker":"Alan Smith","startTime":3756.8489999999997,"endTime":3760.839,"body":"And they were absolutely"},{"speaker":"Alan Smith","startTime":3756.8489999999997,"endTime":3760.839,"body":"horrified. I couldn't work out."},{"speaker":"Alan Smith","startTime":3761.589,"endTime":3764.529,"body":"Why I mean, not only we can't,"},{"speaker":"Alan Smith","startTime":3761.589,"endTime":3764.529,"body":"as you know, we have to gather"},{"speaker":"Alan Smith","startTime":3764.529,"endTime":3768.909,"body":"the data from historical legacy"},{"speaker":"Alan Smith","startTime":3764.529,"endTime":3768.909,"body":"product providers, etc. And you"},{"speaker":"Alan Smith","startTime":3768.909,"endTime":3772.929,"body":"got to write up advice, and you"},{"speaker":"Alan Smith","startTime":3768.909,"endTime":3772.929,"body":"issue it in a particular format."},{"speaker":"Alan Smith","startTime":3772.929,"endTime":3777.399,"body":"And the whole thing is just"},{"speaker":"Alan Smith","startTime":3772.929,"endTime":3777.399,"body":"brutal. And painful is the worst"},{"speaker":"Alan Smith","startTime":3777.399,"endTime":3782.199,"body":"part of our job was part of the"},{"speaker":"Alan Smith","startTime":3777.399,"endTime":3782.199,"body":"whole sector. So it takes it can"},{"speaker":"Alan Smith","startTime":3782.199,"endTime":3785.169,"body":"take months. So John, your six"},{"speaker":"Alan Smith","startTime":3782.199,"endTime":3785.169,"body":"weeks is actually pretty, pretty"},{"speaker":"Alan Smith","startTime":3785.169,"endTime":3787.719,"body":"punchy, pretty good. Other parts"},{"speaker":"Alan Smith","startTime":3785.169,"endTime":3787.719,"body":"of the world, I'm really"},{"speaker":"Alan Smith","startTime":3787.929,"endTime":3790.779,"body":"interested to hear what God has"},{"speaker":"Alan Smith","startTime":3787.929,"endTime":3790.779,"body":"to say in it. Because other"},{"speaker":"Alan Smith","startTime":3790.779,"endTime":3794.679,"body":"parts of the world seem to be"},{"speaker":"Alan Smith","startTime":3790.779,"endTime":3794.679,"body":"saying the US at least seems to"},{"speaker":"Alan Smith","startTime":3794.679,"endTime":3798.009,"body":"be able to move much, much"},{"speaker":"Alan Smith","startTime":3794.679,"endTime":3798.009,"body":"faster, little tip or give to"},{"speaker":"Alan Smith","startTime":3798.009,"endTime":3800.0789999999997,"body":"people and this is again,"},{"speaker":"Alan Smith","startTime":3798.009,"endTime":3800.0789999999997,"body":"perhaps stating the bleeding"},{"speaker":"Alan Smith","startTime":3800.0789999999997,"endTime":3804.549,"body":"obvious, but we may well be"},{"speaker":"Alan Smith","startTime":3800.0789999999997,"endTime":3804.549,"body":"chasing up providers making"},{"speaker":"Alan Smith","startTime":3804.549,"endTime":3806.949,"body":"phone calls, you know, dealing"},{"speaker":"Alan Smith","startTime":3804.549,"endTime":3806.949,"body":"with information comes back"},{"speaker":"Alan Smith","startTime":3806.949,"endTime":3810.159,"body":"wrong or half is missing and"},{"speaker":"Alan Smith","startTime":3806.949,"endTime":3810.159,"body":"going back to them, et cetera."},{"speaker":"Alan Smith","startTime":3810.5789999999997,"endTime":3813.729,"body":"Keep your client informed, keep"},{"speaker":"Alan Smith","startTime":3810.5789999999997,"endTime":3813.729,"body":"your client informed, just you"},{"speaker":"Alan Smith","startTime":3813.729,"endTime":3816.0389999999998,"body":"know, a weekly email or"},{"speaker":"Alan Smith","startTime":3813.729,"endTime":3816.0389999999998,"body":"something there just to let you"},{"speaker":"Alan Smith","startTime":3816.0389999999998,"endTime":3818.5589999999997,"body":"know, nothing has happened, that"},{"speaker":"Alan Smith","startTime":3816.0389999999998,"endTime":3818.5589999999997,"body":"we haven't done anything, we're"},{"speaker":"Alan Smith","startTime":3818.5589999999997,"endTime":3820.749,"body":"still not gonna happen. But"},{"speaker":"Alan Smith","startTime":3818.5589999999997,"endTime":3820.749,"body":"we'll chase them again before we"},{"speaker":"Alan Smith","startTime":3820.749,"endTime":3823.089,"body":"wait for a phone call back."},{"speaker":"Alan Smith","startTime":3820.749,"endTime":3823.089,"body":"Because from the clients"},{"speaker":"Alan Smith","startTime":3823.089,"endTime":3825.279,"body":"perspective, obviously things go"},{"speaker":"Alan Smith","startTime":3823.089,"endTime":3825.279,"body":"they've had a great meeting,"},{"speaker":"Alan Smith","startTime":3825.279,"endTime":3827.709,"body":"hopefully a great sort of"},{"speaker":"Alan Smith","startTime":3825.279,"endTime":3827.709,"body":"discovery meeting or whatever it"},{"speaker":"Alan Smith","startTime":3827.709,"endTime":3830.859,"body":"might be. And if we don't hear"},{"speaker":"Alan Smith","startTime":3827.709,"endTime":3830.859,"body":"from us for three, four or five"},{"speaker":"Alan Smith","startTime":3830.859,"endTime":3833.3489999999997,"body":"weeks, they're wondering what"},{"speaker":"Alan Smith","startTime":3830.859,"endTime":3833.3489999999997,"body":"the hell's going on. So we try"},{"speaker":"Alan Smith","startTime":3833.3489999999997,"endTime":3837.459,"body":"to be as proactive as we"},{"speaker":"Alan Smith","startTime":3833.3489999999997,"endTime":3837.459,"body":"possibly can on that call What's"},{"speaker":"Alan Smith","startTime":3837.459,"endTime":3839.949,"body":"life like in Ireland for"},{"speaker":"Alan Smith","startTime":3837.459,"endTime":3839.949,"body":"bringing on new clients,"},{"speaker":"Carl Widger","startTime":3840.1,"endTime":3842.1099999999997,"body":"it's the same out"},{"speaker":"Carl Widger","startTime":3840.1,"endTime":3842.1099999999997,"body":"and it's I would say three"},{"speaker":"Carl Widger","startTime":3842.1099999999997,"endTime":3846.25,"body":"months is pretty much our"},{"speaker":"Carl Widger","startTime":3842.1099999999997,"endTime":3846.25,"body":"standard turnaround time. From"},{"speaker":"Carl Widger","startTime":3846.25,"endTime":3851.95,"body":"you know, getting the first plan"},{"speaker":"Carl Widger","startTime":3846.25,"endTime":3851.95,"body":"to getting the client across the"},{"speaker":"Carl Widger","startTime":3851.95,"endTime":3854.74,"body":"board. I was the only point I"},{"speaker":"Carl Widger","startTime":3851.95,"endTime":3854.74,"body":"was gonna make I don't you just"},{"speaker":"Carl Widger","startTime":3854.74,"endTime":3860.77,"body":"nailed it. I'm always saying to"},{"speaker":"Carl Widger","startTime":3854.74,"endTime":3860.77,"body":"the team here that first of all,"},{"speaker":"Carl Widger","startTime":3860.77,"endTime":3863.95,"body":"you got to position it at the at"},{"speaker":"Carl Widger","startTime":3860.77,"endTime":3863.95,"body":"the outset tell the client"},{"speaker":"Carl Widger","startTime":3864.16,"endTime":3867.91,"body":"during that that the good"},{"speaker":"Carl Widger","startTime":3864.16,"endTime":3867.91,"body":"moments and the WoW financial"},{"speaker":"Carl Widger","startTime":3867.91,"endTime":3871.9,"body":"plan, make sure you position it"},{"speaker":"Carl Widger","startTime":3867.91,"endTime":3871.9,"body":"right then this is gonna be a"},{"speaker":"Carl Widger","startTime":3871.9,"endTime":3874.0899999999997,"body":"little bit of torture. You have"},{"speaker":"Carl Widger","startTime":3871.9,"endTime":3874.0899999999997,"body":"a little bit of homework to do,"},{"speaker":"Carl Widger","startTime":3874.0899999999997,"endTime":3877.21,"body":"but most of it that is back on"},{"speaker":"Carl Widger","startTime":3874.0899999999997,"endTime":3877.21,"body":"us, but it is going to take ages"},{"speaker":"Carl Widger","startTime":3877.21,"endTime":3880.7799999999997,"body":"we're going to keep telling you"},{"speaker":"Carl Widger","startTime":3877.21,"endTime":3880.7799999999997,"body":"what's happening. But we're"},{"speaker":"Carl Widger","startTime":3880.7799999999997,"endTime":3883.5699999999997,"body":"expecting a three to four month"},{"speaker":"Carl Widger","startTime":3880.7799999999997,"endTime":3883.5699999999997,"body":"turnaround time here before"},{"speaker":"Carl Widger","startTime":3883.5699999999997,"endTime":3887.98,"body":"you're actually a client of"},{"speaker":"Carl Widger","startTime":3883.5699999999997,"endTime":3887.98,"body":"ours. So yeah, that's all I have"},{"speaker":"Carl Widger","startTime":3887.98,"endTime":3888.73,"body":"to really add on that."},{"speaker":"Nick Lincoln","startTime":3890.02,"endTime":3891.94,"body":"Okay, interesting."},{"speaker":"Nick Lincoln","startTime":3890.02,"endTime":3891.94,"body":"Interesting. It's just an it's"},{"speaker":"Nick Lincoln","startTime":3891.94,"endTime":3894.37,"body":"an ongoing thing. I'm on"},{"speaker":"Nick Lincoln","startTime":3891.94,"endTime":3894.37,"body":"boarding a couple now and"},{"speaker":"Nick Lincoln","startTime":3894.97,"endTime":3897.7,"body":"between them they've got six"},{"speaker":"Nick Lincoln","startTime":3894.97,"endTime":3897.7,"body":"pension pots, he's got five two"},{"speaker":"Nick Lincoln","startTime":3897.7,"endTime":3901.0,"body":"of them are with the"},{"speaker":"Nick Lincoln","startTime":3897.7,"endTime":3901.0,"body":"administered by Mercer's you"},{"speaker":"Nick Lincoln","startTime":3901.0,"endTime":3903.2799999999997,"body":"know you say that word out loud"},{"speaker":"Nick Lincoln","startTime":3901.0,"endTime":3903.2799999999997,"body":"and already you can sort of feel"},{"speaker":"Nick Lincoln","startTime":3903.2799999999997,"endTime":3907.33,"body":"the breakfast coming back up. So"},{"speaker":"Nick Lincoln","startTime":3903.2799999999997,"endTime":3907.33,"body":"it is what it is the end I can't"},{"speaker":"Nick Lincoln","startTime":3907.33,"endTime":3909.04,"body":"really talk about the NHS"},{"speaker":"Nick Lincoln","startTime":3907.33,"endTime":3909.04,"body":"pension scheme getting"},{"speaker":"Nick Lincoln","startTime":3909.04,"endTime":3911.62,"body":"information I haven't I've never"},{"speaker":"Nick Lincoln","startTime":3909.04,"endTime":3911.62,"body":"done it, but I am currently"},{"speaker":"Nick Lincoln","startTime":3911.62,"endTime":3914.35,"body":"married to a head teacher and I"},{"speaker":"Nick Lincoln","startTime":3911.62,"endTime":3914.35,"body":"have another teacher as a client"},{"speaker":"Nick Lincoln","startTime":3914.35,"endTime":3917.7999999999997,"body":"as well. And they're they're"},{"speaker":"Nick Lincoln","startTime":3914.35,"endTime":3917.7999999999997,"body":"pretty good. I mean, the"},{"speaker":"Nick Lincoln","startTime":3917.7999999999997,"endTime":3920.41,"body":"teachers can log in and get"},{"speaker":"Nick Lincoln","startTime":3917.7999999999997,"endTime":3920.41,"body":"current statements at any time"},{"speaker":"Nick Lincoln","startTime":3920.41,"endTime":3922.0899999999997,"body":"they get an annual statement"},{"speaker":"Nick Lincoln","startTime":3920.41,"endTime":3922.0899999999997,"body":"anywhere on their pension"},{"speaker":"Nick Lincoln","startTime":3922.0899999999997,"endTime":3925.06,"body":"benefits in March, but you can"},{"speaker":"Nick Lincoln","startTime":3922.0899999999997,"endTime":3925.06,"body":"log in and get an updated one"},{"speaker":"Nick Lincoln","startTime":3925.06,"endTime":3929.17,"body":"pretty easily. So so the for"},{"speaker":"Nick Lincoln","startTime":3925.06,"endTime":3929.17,"body":"those clients that's not a"},{"speaker":"Nick Lincoln","startTime":3929.17,"endTime":3930.94,"body":"problem for me, but a really"},{"speaker":"Nick Lincoln","startTime":3929.17,"endTime":3930.94,"body":"couple of good questions."},{"speaker":"Nick Lincoln","startTime":3930.94,"endTime":3933.8199999999997,"body":"Thanks. Thanks. Thanks to your"},{"speaker":"Nick Lincoln","startTime":3930.94,"endTime":3933.8199999999997,"body":"Trapeze. Thanks, John. And John"},{"speaker":"Nick Lincoln","startTime":3933.8199999999997,"endTime":3938.8599999999997,"body":"Doe, John, I was on LinkedIn I"},{"speaker":"Nick Lincoln","startTime":3933.8199999999997,"endTime":3938.8599999999997,"body":"won't read that out but John's"},{"speaker":"Nick Lincoln","startTime":3938.8599999999997,"endTime":3943.72,"body":"on on Twitter as at Juniper"},{"speaker":"Nick Lincoln","startTime":3938.8599999999997,"endTime":3943.72,"body":"underscore John no h John no he"},{"speaker":"Nick Lincoln","startTime":3943.72,"endTime":3945.52,"body":"has not published Twitter This"},{"speaker":"Nick Lincoln","startTime":3943.72,"endTime":3945.52,"body":"is why it's a problem if you"},{"speaker":"Nick Lincoln","startTime":3945.52,"endTime":3947.14,"body":"don't know he got some"},{"speaker":"Nick Lincoln","startTime":3945.52,"endTime":3947.14,"body":"explaining people think was"},{"speaker":"Nick Lincoln","startTime":3947.14,"endTime":3951.7599999999998,"body":"apart but get it Jr. When Christ"},{"speaker":"Nick Lincoln","startTime":3947.14,"endTime":3951.7599999999998,"body":"on a bike Alright, let's move on"},{"speaker":"Nick Lincoln","startTime":3951.7599999999998,"endTime":3958.75,"body":"culture corner killed the scope."},{"speaker":"Nick Lincoln","startTime":3951.7599999999998,"endTime":3958.75,"body":"Okay, culture corner. Oh,"},{"speaker":"Nick Lincoln","startTime":3958.75,"endTime":3961.5099999999998,"body":"goodness, me first. Okay. All"},{"speaker":"Nick Lincoln","startTime":3958.75,"endTime":3961.5099999999998,"body":"right. I'll get mine out of the"},{"speaker":"Nick Lincoln","startTime":3961.5099999999998,"endTime":3964.18,"body":"way. So Doom Slayer and of"},{"speaker":"Nick Lincoln","startTime":3961.5099999999998,"endTime":3964.18,"body":"course is the link to this in"},{"speaker":"Nick Lincoln","startTime":3964.18,"endTime":3968.62,"body":"the so called Show Notes Aaron."},{"speaker":"Nick Lincoln","startTime":3964.18,"endTime":3968.62,"body":"The Doom Slayer is from the"},{"speaker":"Nick Lincoln","startTime":3968.62,"endTime":3971.71,"body":"people behind the human progress"},{"speaker":"Nick Lincoln","startTime":3968.62,"endTime":3971.71,"body":"website which basically just"},{"speaker":"Nick Lincoln","startTime":3971.71,"endTime":3974.47,"body":"just archives all the good"},{"speaker":"Nick Lincoln","startTime":3971.71,"endTime":3974.47,"body":"things that humanity has done"},{"speaker":"Nick Lincoln","startTime":3974.47,"endTime":3977.14,"body":"since it's been around and"},{"speaker":"Nick Lincoln","startTime":3974.47,"endTime":3977.14,"body":"doomed slider is a weekly email"},{"speaker":"Nick Lincoln","startTime":3977.14,"endTime":3979.9,"body":"where they just pick out one"},{"speaker":"Nick Lincoln","startTime":3977.14,"endTime":3979.9,"body":"area one subject of the current"},{"speaker":"Nick Lincoln","startTime":3979.93,"endTime":3983.47,"body":"verified data that comes into"},{"speaker":"Nick Lincoln","startTime":3979.93,"endTime":3983.47,"body":"your inbox about the state of"},{"speaker":"Nick Lincoln","startTime":3983.47,"endTime":3986.5,"body":"the world. It's just something a"},{"speaker":"Nick Lincoln","startTime":3983.47,"endTime":3986.5,"body":"you can either use in content"},{"speaker":"Nick Lincoln","startTime":3986.5,"endTime":3988.2999999999997,"body":"you might want to send forward"},{"speaker":"Nick Lincoln","startTime":3986.5,"endTime":3988.2999999999997,"body":"to your clients, you might want"},{"speaker":"Nick Lincoln","startTime":3988.2999999999997,"endTime":3990.22,"body":"to forward the email on to your"},{"speaker":"Nick Lincoln","startTime":3988.2999999999997,"endTime":3990.22,"body":"clients. Just a reminder,"},{"speaker":"Nick Lincoln","startTime":3990.22,"endTime":3992.47,"body":"despite everything that's going"},{"speaker":"Nick Lincoln","startTime":3990.22,"endTime":3992.47,"body":"on, this always sounds like it's"},{"speaker":"Nick Lincoln","startTime":3992.5,"endTime":3994.63,"body":"horrendous. And there is a lot"},{"speaker":"Nick Lincoln","startTime":3992.5,"endTime":3994.63,"body":"of horrendous stuff going on"},{"speaker":"Nick Lincoln","startTime":3994.63,"endTime":3997.99,"body":"actually, now has never been"},{"speaker":"Nick Lincoln","startTime":3994.63,"endTime":3997.99,"body":"have been a place to be alive."},{"speaker":"Nick Lincoln","startTime":3998.89,"endTime":4004.14,"body":"And my second thing, this is"},{"speaker":"Nick Lincoln","startTime":3998.89,"endTime":4004.14,"body":"rocket book. So I bought one of"},{"speaker":"Nick Lincoln","startTime":4004.14,"endTime":4009.39,"body":"those e tablet writing devices"},{"speaker":"Nick Lincoln","startTime":4004.14,"endTime":4009.39,"body":"couple of years ago. And I just"},{"speaker":"Nick Lincoln","startTime":4009.39,"endTime":4012.48,"body":"didn't use it enough. And I just"},{"speaker":"Nick Lincoln","startTime":4009.39,"endTime":4012.48,"body":"don't want any more cables in my"},{"speaker":"Nick Lincoln","startTime":4012.48,"endTime":4015.12,"body":"life. I don't want anything else"},{"speaker":"Nick Lincoln","startTime":4012.48,"endTime":4015.12,"body":"that has to be recharged, I want"},{"speaker":"Nick Lincoln","startTime":4015.12,"endTime":4018.2999999999997,"body":"something that's quite tactile"},{"speaker":"Nick Lincoln","startTime":4015.12,"endTime":4018.2999999999997,"body":"feels a bit like paper. So"},{"speaker":"Nick Lincoln","startTime":4018.2999999999997,"endTime":4022.0499999999997,"body":"rocket book is a is a hybrid. So"},{"speaker":"Nick Lincoln","startTime":4018.2999999999997,"endTime":4022.0499999999997,"body":"it's about 20 pages in this it's"},{"speaker":"Nick Lincoln","startTime":4022.0499999999997,"endTime":4026.04,"body":"a physical book, a4, you can get"},{"speaker":"Nick Lincoln","startTime":4022.0499999999997,"endTime":4026.04,"body":"a five as well spiral bound, and"},{"speaker":"Nick Lincoln","startTime":4026.04,"endTime":4028.62,"body":"you write on this stuff. And"},{"speaker":"Nick Lincoln","startTime":4026.04,"endTime":4028.62,"body":"then it comes with an app and"},{"speaker":"Nick Lincoln","startTime":4028.62,"endTime":4031.02,"body":"you can scan whenever you've"},{"speaker":"Nick Lincoln","startTime":4028.62,"endTime":4031.02,"body":"written and it's very good and"},{"speaker":"Nick Lincoln","startTime":4031.02,"endTime":4033.33,"body":"neat and tidy look go to"},{"speaker":"Nick Lincoln","startTime":4031.02,"endTime":4033.33,"body":"whatever you want Dropbox into"},{"speaker":"Nick Lincoln","startTime":4033.33,"endTime":4037.2599999999998,"body":"your email, and then you wipe"},{"speaker":"Nick Lincoln","startTime":4033.33,"endTime":4037.2599999999998,"body":"the pages clean. So it's just"},{"speaker":"Nick Lincoln","startTime":4037.2599999999998,"endTime":4040.08,"body":"it's like you haven't got a"},{"speaker":"Nick Lincoln","startTime":4037.2599999999998,"endTime":4040.08,"body":"great big thick paper thing on"},{"speaker":"Nick Lincoln","startTime":4040.08,"endTime":4043.23,"body":"you. You've got this very light"},{"speaker":"Nick Lincoln","startTime":4040.08,"endTime":4043.23,"body":"book, you have the special pens,"},{"speaker":"Nick Lincoln","startTime":4043.23,"endTime":4045.42,"body":"but you can get pilot do these"},{"speaker":"Nick Lincoln","startTime":4043.23,"endTime":4045.42,"body":"are holding the camera for this"},{"speaker":"Nick Lincoln","startTime":4046.1099999999997,"endTime":4048.69,"body":"pilot in this pen is the"},{"speaker":"Nick Lincoln","startTime":4046.1099999999997,"endTime":4048.69,"body":"cheapest chips. Just neat and"},{"speaker":"Nick Lincoln","startTime":4048.69,"endTime":4051.27,"body":"tidy bit feels way better for me"},{"speaker":"Nick Lincoln","startTime":4048.69,"endTime":4051.27,"body":"than writing on a tablet. I"},{"speaker":"Nick Lincoln","startTime":4051.27,"endTime":4053.16,"body":"haven't got to worry about"},{"speaker":"Nick Lincoln","startTime":4051.27,"endTime":4053.16,"body":"charging it up. I haven't got"},{"speaker":"Nick Lincoln","startTime":4053.16,"endTime":4057.87,"body":"another cable in my life. So if"},{"speaker":"Nick Lincoln","startTime":4053.16,"endTime":4057.87,"body":"you're if you're always looking"},{"speaker":"Nick Lincoln","startTime":4057.87,"endTime":4059.6099999999997,"body":"at these kinds of things, never"},{"speaker":"Nick Lincoln","startTime":4057.87,"endTime":4059.6099999999997,"body":"quite finding a solution to"},{"speaker":"Nick Lincoln","startTime":4059.6099999999997,"endTime":4062.58,"body":"paper. But you want something as"},{"speaker":"Nick Lincoln","startTime":4059.6099999999997,"endTime":4062.58,"body":"light and tech enabled because"},{"speaker":"Nick Lincoln","startTime":4062.58,"endTime":4065.37,"body":"the app is very good and you"},{"speaker":"Nick Lincoln","startTime":4062.58,"endTime":4065.37,"body":"just scan it beautiful resident"},{"speaker":"Nick Lincoln","startTime":4065.37,"endTime":4069.69,"body":"you know, results perfectly."},{"speaker":"Nick Lincoln","startTime":4065.37,"endTime":4069.69,"body":"Rocket book is my my physical"},{"speaker":"Nick Lincoln","startTime":4070.47,"endTime":4074.1,"body":"thing of the episode now who's"},{"speaker":"Nick Lincoln","startTime":4070.47,"endTime":4074.1,"body":"next on the hit list of doom"},{"speaker":"Nick Lincoln","startTime":4074.1,"endTime":4076.35,"body":"still without a link in it, but"},{"speaker":"Nick Lincoln","startTime":4074.1,"endTime":4076.35,"body":"I forgive you for the moment."},{"speaker":"Nick Lincoln","startTime":4076.92,"endTime":4079.2,"body":"The Missing billionaires by"},{"speaker":"Nick Lincoln","startTime":4076.92,"endTime":4079.2,"body":"Viktor Garni."},{"speaker":"Alan Smith","startTime":4082.62,"endTime":4086.7599999999998,"body":"Yeah, yeah. Thanks,"},{"speaker":"Alan Smith","startTime":4082.62,"endTime":4086.7599999999998,"body":"Nick. That's me. This is a new"},{"speaker":"Alan Smith","startTime":4086.7599999999998,"endTime":4091.08,"body":"book just came out Victor Garni."},{"speaker":"Alan Smith","startTime":4086.7599999999998,"endTime":4091.08,"body":"Very interesting character. I"},{"speaker":"Alan Smith","startTime":4091.08,"endTime":4095.22,"body":"met him years ago at a"},{"speaker":"Alan Smith","startTime":4091.08,"endTime":4095.22,"body":"dimensional geikie Was he was"},{"speaker":"Alan Smith","startTime":4096.06,"endTime":4103.11,"body":"speaking there. And he did a TED"},{"speaker":"Alan Smith","startTime":4096.06,"endTime":4103.11,"body":"also CPR to CP F CPF. close"},{"speaker":"Alan Smith","startTime":4103.11,"endTime":4106.8,"body":"personal friend. So he did I did"},{"speaker":"Alan Smith","startTime":4103.11,"endTime":4106.8,"body":"a TED Talk some years ago"},{"speaker":"Alan Smith","startTime":4106.8,"endTime":4110.49,"body":"noticed her the TED Talk into a"},{"speaker":"Alan Smith","startTime":4106.8,"endTime":4110.49,"body":"book. The book is called The"},{"speaker":"Alan Smith","startTime":4110.49,"endTime":4114.72,"body":"Missing billionaires. In fact,"},{"speaker":"Alan Smith","startTime":4110.49,"endTime":4114.72,"body":"he's coming on as a guest on my"},{"speaker":"Alan Smith","startTime":4114.72,"endTime":4116.85,"body":"award winning podcast"},{"speaker":"Alan Smith","startTime":4114.72,"endTime":4116.85,"body":"bulletproof entrepreneur this"},{"speaker":"Alan Smith","startTime":4116.85,"endTime":4122.7,"body":"week. But he's it's quite an"},{"speaker":"Alan Smith","startTime":4116.85,"endTime":4122.7,"body":"interesting story. He obviously"},{"speaker":"Alan Smith","startTime":4122.7,"endTime":4125.1900000000005,"body":"goes into a lot of other things."},{"speaker":"Alan Smith","startTime":4122.7,"endTime":4125.1900000000005,"body":"Victor Gan, his background is he"},{"speaker":"Alan Smith","startTime":4125.1900000000005,"endTime":4129.18,"body":"was some people listen to this"},{"speaker":"Alan Smith","startTime":4125.1900000000005,"endTime":4129.18,"body":"and watch this are old enough to"},{"speaker":"Alan Smith","startTime":4129.18,"endTime":4133.29,"body":"remember a company called Long"},{"speaker":"Alan Smith","startTime":4129.18,"endTime":4133.29,"body":"Term Capital Management. A hedge"},{"speaker":"Alan Smith","startTime":4133.29,"endTime":4138.63,"body":"fund the huge hedge fund about"},{"speaker":"Alan Smith","startTime":4133.29,"endTime":4138.63,"body":"maybe 20 years ago will say, the"},{"speaker":"Alan Smith","startTime":4138.63,"endTime":4141.72,"body":"old tea they come out there's"},{"speaker":"Alan Smith","startTime":4138.63,"endTime":4141.72,"body":"kind of there's a book written"},{"speaker":"Alan Smith","startTime":4141.72,"endTime":4144.24,"body":"about them called the smartest"},{"speaker":"Alan Smith","startTime":4141.72,"endTime":4144.24,"body":"guys in the room think it is all"},{"speaker":"Alan Smith","startTime":4144.24,"endTime":4147.66,"body":"either super, super smart, you"},{"speaker":"Alan Smith","startTime":4144.24,"endTime":4147.66,"body":"know, PhDs, rocket scientists,"},{"speaker":"Alan Smith","startTime":4147.66,"endTime":4150.87,"body":"financial engineers, who get"},{"speaker":"Alan Smith","startTime":4147.66,"endTime":4150.87,"body":"together to create this hedge"},{"speaker":"Alan Smith","startTime":4150.87,"endTime":4153.45,"body":"fund and they're just doing"},{"speaker":"Alan Smith","startTime":4150.87,"endTime":4153.45,"body":"extraordinary rates of return"},{"speaker":"Alan Smith","startTime":4153.4800000000005,"endTime":4156.45,"body":"year after year. So people are"},{"speaker":"Alan Smith","startTime":4153.4800000000005,"endTime":4156.45,"body":"piling more and more money into"},{"speaker":"Alan Smith","startTime":4156.45,"endTime":4158.7,"body":"them. They've got however many"},{"speaker":"Alan Smith","startTime":4156.45,"endTime":4158.7,"body":"billions of assets under"},{"speaker":"Alan Smith","startTime":4158.7,"endTime":4162.21,"body":"management. And the whole thing"},{"speaker":"Alan Smith","startTime":4158.7,"endTime":4162.21,"body":"just blows up, they took a bet"},{"speaker":"Alan Smith","startTime":4162.21,"endTime":4164.46,"body":"against the thinker's the"},{"speaker":"Alan Smith","startTime":4162.21,"endTime":4164.46,"body":"Russian bond market and all"},{"speaker":"Alan Smith","startTime":4164.46,"endTime":4167.04,"body":"things blew up. And it all went"},{"speaker":"Alan Smith","startTime":4164.46,"endTime":4167.04,"body":"to kind of zero, I think it had"},{"speaker":"Alan Smith","startTime":4167.04,"endTime":4169.9800000000005,"body":"to get bailed out by the Fed."},{"speaker":"Alan Smith","startTime":4167.04,"endTime":4169.9800000000005,"body":"And Victor was part of that"},{"speaker":"Alan Smith","startTime":4169.9800000000005,"endTime":4174.36,"body":"team. So he's super, super smart"},{"speaker":"Alan Smith","startTime":4169.9800000000005,"endTime":4174.36,"body":"guy. But it's the realize,"},{"speaker":"Alan Smith","startTime":4174.39,"endTime":4176.76,"body":"again, back to the essence of"},{"speaker":"Alan Smith","startTime":4174.39,"endTime":4176.76,"body":"investing. And what is"},{"speaker":"Alan Smith","startTime":4176.76,"endTime":4179.82,"body":"interesting here, he talks about"},{"speaker":"Alan Smith","startTime":4176.76,"endTime":4179.82,"body":"the missing billionaires, he"},{"speaker":"Alan Smith","startTime":4179.82,"endTime":4184.23,"body":"looks back at these super"},{"speaker":"Alan Smith","startTime":4179.82,"endTime":4184.23,"body":"wealthy families, you know, I"},{"speaker":"Alan Smith","startTime":4184.23,"endTime":4188.73,"body":"want to say the What the what"},{"speaker":"Alan Smith","startTime":4184.23,"endTime":4188.73,"body":"they call the you know, the it"},{"speaker":"Alan Smith","startTime":4188.73,"endTime":4192.0,"body":"is that don't fit Yeah, they're"},{"speaker":"Alan Smith","startTime":4188.73,"endTime":4192.0,"body":"very fit these various super"},{"speaker":"Alan Smith","startTime":4192.0,"endTime":4195.0599999999995,"body":"wealthy families of 100 years"},{"speaker":"Alan Smith","startTime":4192.0,"endTime":4195.0599999999995,"body":"ago, 200 years ago, that if they"},{"speaker":"Alan Smith","startTime":4195.0599999999995,"endTime":4197.37,"body":"had just if you look at the"},{"speaker":"Alan Smith","startTime":4195.0599999999995,"endTime":4197.37,"body":"data, their terms, and you sort"},{"speaker":"Alan Smith","startTime":4197.37,"endTime":4201.09,"body":"of view your inflation adjusted"},{"speaker":"Alan Smith","startTime":4197.37,"endTime":4201.09,"body":"it to Presently, there should"},{"speaker":"Alan Smith","startTime":4201.09,"endTime":4204.75,"body":"be, you know, 1000s and 1000s of"},{"speaker":"Alan Smith","startTime":4201.09,"endTime":4204.75,"body":"billionaires, their heirs who"},{"speaker":"Alan Smith","startTime":4204.75,"endTime":4207.3,"body":"would have inherited millions"},{"speaker":"Alan Smith","startTime":4204.75,"endTime":4207.3,"body":"and millions of pounds, hundreds"},{"speaker":"Alan Smith","startTime":4207.3,"endTime":4209.76,"body":"of billions of pounds. If you"},{"speaker":"Alan Smith","startTime":4207.3,"endTime":4209.76,"body":"just look at the statistics"},{"speaker":"Alan Smith","startTime":4209.76,"endTime":4212.58,"body":"around, had they invested in,"},{"speaker":"Alan Smith","startTime":4209.76,"endTime":4212.58,"body":"you know, the global stock"},{"speaker":"Alan Smith","startTime":4212.58,"endTime":4214.14,"body":"market in the USA X"},{"speaker":"Andy Hart","startTime":4214.3499999999995,"endTime":4215.97,"body":"event, Van"},{"speaker":"Andy Hart","startTime":4214.3499999999995,"endTime":4215.97,"body":"Vandevelde, those sort of"},{"speaker":"Andy Hart","startTime":4215.97,"endTime":4218.5199999999995,"body":"people, yeah, Vanderbilt, so"},{"speaker":"Andy Hart","startTime":4215.97,"endTime":4218.5199999999995,"body":"they didn't know the self"},{"speaker":"Andy Hart","startTime":4218.5199999999995,"endTime":4221.55,"body":"withdrawal rate, the safe"},{"speaker":"Andy Hart","startTime":4218.5199999999995,"endTime":4221.55,"body":"withdrawal rate. They just"},{"speaker":"Andy Hart","startTime":4221.58,"endTime":4226.62,"body":"agreed, though, that would take"},{"speaker":"Andy Hart","startTime":4221.58,"endTime":4226.62,"body":"him 1314 28% A year 4%. But it"},{"speaker":"Andy Hart","startTime":4226.62,"endTime":4229.08,"body":"should have been three and a"},{"speaker":"Andy Hart","startTime":4226.62,"endTime":4229.08,"body":"half and they'd be saved. If it"},{"speaker":"Andy Hart","startTime":4229.08,"endTime":4232.23,"body":"had been 3.497. They'd be flying"},{"speaker":"Andy Hart","startTime":4229.08,"endTime":4232.23,"body":"now."},{"speaker":"Alan Smith","startTime":4232.32,"endTime":4234.03,"body":"And they but they"},{"speaker":"Alan Smith","startTime":4232.32,"endTime":4234.03,"body":"were investing all sorts of"},{"speaker":"Alan Smith","startTime":4234.03,"endTime":4236.82,"body":"crazy stuff. They were buying"},{"speaker":"Alan Smith","startTime":4234.03,"endTime":4236.82,"body":"hotels or buying stuff that they"},{"speaker":"Alan Smith","startTime":4236.8499999999995,"endTime":4240.24,"body":"there was sort of investing"},{"speaker":"Alan Smith","startTime":4236.8499999999995,"endTime":4240.24,"body":"outside their sphere of"},{"speaker":"Alan Smith","startTime":4240.24,"endTime":4245.04,"body":"knowledge, circle of competence."},{"speaker":"Alan Smith","startTime":4240.24,"endTime":4245.04,"body":"And so therefore, there was a"},{"speaker":"Alan Smith","startTime":4245.04,"endTime":4247.5,"body":"there are a fraction. In fact,"},{"speaker":"Alan Smith","startTime":4245.04,"endTime":4247.5,"body":"if you look at the actual"},{"speaker":"Alan Smith","startTime":4247.5,"endTime":4250.11,"body":"numbers of billionaires that"},{"speaker":"Alan Smith","startTime":4247.5,"endTime":4250.11,"body":"exist in the US around the"},{"speaker":"Alan Smith","startTime":4250.11,"endTime":4253.5,"body":"world, nowadays, very, very few"},{"speaker":"Alan Smith","startTime":4250.11,"endTime":4253.5,"body":"of them in a handful came from"},{"speaker":"Alan Smith","startTime":4253.5,"endTime":4257.79,"body":"that previous generation. Most"},{"speaker":"Alan Smith","startTime":4253.5,"endTime":4257.79,"body":"of them are, you know, they've"},{"speaker":"Alan Smith","startTime":4257.79,"endTime":4261.3,"body":"created their wealth in the last"},{"speaker":"Alan Smith","startTime":4257.79,"endTime":4261.3,"body":"3040 years in this country. So"},{"speaker":"Alan Smith","startTime":4261.33,"endTime":4263.49,"body":"he talks about that and so"},{"speaker":"Alan Smith","startTime":4261.33,"endTime":4263.49,"body":"therefore, he obviously talks"},{"speaker":"Alan Smith","startTime":4263.49,"endTime":4266.76,"body":"about how to optimize for long"},{"speaker":"Alan Smith","startTime":4263.49,"endTime":4266.76,"body":"term investment as it's it gets"},{"speaker":"Alan Smith","startTime":4266.76,"endTime":4269.19,"body":"a little bit in the weeds quite"},{"speaker":"Alan Smith","startTime":4266.76,"endTime":4269.19,"body":"detailed, but nevertheless, it's"},{"speaker":"Alan Smith","startTime":4269.19,"endTime":4272.22,"body":"an interesting book. And"},{"speaker":"Alan Smith","startTime":4269.19,"endTime":4272.22,"body":"actually also links to the"},{"speaker":"Alan Smith","startTime":4272.25,"endTime":4275.4,"body":"conversation we had last time"},{"speaker":"Alan Smith","startTime":4272.25,"endTime":4275.4,"body":"about you know, investing for so"},{"speaker":"Alan Smith","startTime":4275.4,"endTime":4278.94,"body":"called high net worth, which is,"},{"speaker":"Alan Smith","startTime":4275.4,"endTime":4278.94,"body":"you know, since someone gets"},{"speaker":"Alan Smith","startTime":4278.94,"endTime":4281.4,"body":"wealthy, we got to find"},{"speaker":"Alan Smith","startTime":4278.94,"endTime":4281.4,"body":"something else where they're"},{"speaker":"Alan Smith","startTime":4281.4,"endTime":4283.26,"body":"getting, there's no one more"},{"speaker":"Alan Smith","startTime":4281.4,"endTime":4283.26,"body":"wealthy than these people, the"},{"speaker":"Alan Smith","startTime":4283.26,"endTime":4285.96,"body":"Vanderbilts and the Gettys. And"},{"speaker":"Alan Smith","startTime":4283.26,"endTime":4285.96,"body":"all these other sort of"},{"speaker":"Alan Smith","startTime":4285.96,"endTime":4288.66,"body":"billionaires, they are super"},{"speaker":"Alan Smith","startTime":4285.96,"endTime":4288.66,"body":"wealthy. And they started"},{"speaker":"Alan Smith","startTime":4288.66,"endTime":4291.3,"body":"investing in sort of weird and"},{"speaker":"Alan Smith","startTime":4288.66,"endTime":4291.3,"body":"wonderful esoteric type"},{"speaker":"Alan Smith","startTime":4291.3,"endTime":4293.58,"body":"investments and not withdrawing"},{"speaker":"Alan Smith","startTime":4291.3,"endTime":4293.58,"body":"the appropriate amount,"},{"speaker":"Alan Smith","startTime":4293.58,"endTime":4296.49,"body":"etcetera. And they've all kind"},{"speaker":"Alan Smith","startTime":4293.58,"endTime":4296.49,"body":"of lost their money. They've"},{"speaker":"Alan Smith","startTime":4296.49,"endTime":4299.8499999999995,"body":"gone from billionaire status to,"},{"speaker":"Alan Smith","startTime":4296.49,"endTime":4299.8499999999995,"body":"you know, just just mildly rich,"},{"speaker":"Alan Smith","startTime":4299.8499999999995,"endTime":4302.8499999999995,"body":"in some cases, nothing at all."},{"speaker":"Alan Smith","startTime":4299.8499999999995,"endTime":4302.8499999999995,"body":"So, good book and it but if you"},{"speaker":"Alan Smith","startTime":4302.8499999999995,"endTime":4305.46,"body":"don't have the time to read the"},{"speaker":"Alan Smith","startTime":4302.8499999999995,"endTime":4305.46,"body":"book, do check out his talk. His"},{"speaker":"Alan Smith","startTime":4305.46,"endTime":4308.64,"body":"TED talk is 20 minutes long."},{"speaker":"Alan Smith","startTime":4305.46,"endTime":4308.64,"body":"When he explains all this. It's"},{"speaker":"Alan Smith","startTime":4308.64,"endTime":4311.01,"body":"worth having a look at and I'll"},{"speaker":"Alan Smith","startTime":4308.64,"endTime":4311.01,"body":"post, I'll post a link in the"},{"speaker":"Alan Smith","startTime":4311.01,"endTime":4314.16,"body":"show notes. That's my one for"},{"speaker":"Alan Smith","startTime":4311.01,"endTime":4314.16,"body":"this sweet voice."},{"speaker":"Nick Lincoln","startTime":4314.5199999999995,"endTime":4317.04,"body":"Great stuff. Thank"},{"speaker":"Nick Lincoln","startTime":4314.5199999999995,"endTime":4317.04,"body":"you very much, Mr. Hart. Michael"},{"speaker":"Nick Lincoln","startTime":4317.04,"endTime":4318.3,"body":"Lewis going infinite."},{"speaker":"Andy Hart","startTime":4318.93,"endTime":4320.94,"body":"Well, it's a book on"},{"speaker":"Andy Hart","startTime":4318.93,"endTime":4320.94,"body":"the similar sort of vein but"},{"speaker":"Andy Hart","startTime":4320.94,"endTime":4325.38,"body":"almost sort of the sort of"},{"speaker":"Andy Hart","startTime":4320.94,"endTime":4325.38,"body":"creation end of it. Yeah, huge"},{"speaker":"Andy Hart","startTime":4325.38,"endTime":4328.2,"body":"fan of the author, Michael"},{"speaker":"Andy Hart","startTime":4325.38,"endTime":4328.2,"body":"Lewis. And he also runs a"},{"speaker":"Andy Hart","startTime":4328.2,"endTime":4330.9,"body":"podcast I've mentioned on here"},{"speaker":"Andy Hart","startTime":4328.2,"endTime":4330.9,"body":"before his new book only came"},{"speaker":"Andy Hart","startTime":4330.9,"endTime":4333.93,"body":"out last week, I believe called"},{"speaker":"Andy Hart","startTime":4330.9,"endTime":4333.93,"body":"going infinite. The Rise and"},{"speaker":"Andy Hart","startTime":4333.93,"endTime":4338.82,"body":"Fall of a new tycoon, the tycoon"},{"speaker":"Andy Hart","startTime":4333.93,"endTime":4338.82,"body":"being SBF Sam Backman fried who"},{"speaker":"Andy Hart","startTime":4338.82,"endTime":4343.05,"body":"set up FTX. And another hedge"},{"speaker":"Andy Hart","startTime":4338.82,"endTime":4343.05,"body":"fund investing in crypto, it is"},{"speaker":"Andy Hart","startTime":4343.08,"endTime":4346.05,"body":"staggering this book. I've"},{"speaker":"Andy Hart","startTime":4343.08,"endTime":4346.05,"body":"already been through it once and"},{"speaker":"Andy Hart","startTime":4346.05,"endTime":4349.2,"body":"I'm going through again, is"},{"speaker":"Andy Hart","startTime":4346.05,"endTime":4349.2,"body":"absolutely mind blown. The"},{"speaker":"Andy Hart","startTime":4349.2,"endTime":4353.91,"body":"numbers that this guy this"},{"speaker":"Andy Hart","startTime":4349.2,"endTime":4353.91,"body":"organization, people around him"},{"speaker":"Andy Hart","startTime":4353.91,"endTime":4356.58,"body":"things that were being quoted,"},{"speaker":"Andy Hart","startTime":4353.91,"endTime":4356.58,"body":"you know, he was buying all the"},{"speaker":"Andy Hart","startTime":4356.58,"endTime":4359.43,"body":"real estate you could in the"},{"speaker":"Andy Hart","startTime":4356.58,"endTime":4359.43,"body":"Bahamas and still owns it. He"},{"speaker":"Andy Hart","startTime":4359.43,"endTime":4363.63,"body":"invested in 300 individual"},{"speaker":"Andy Hart","startTime":4359.43,"endTime":4363.63,"body":"companies invested billions in"},{"speaker":"Andy Hart","startTime":4363.63,"endTime":4366.3,"body":"any one that would basically"},{"speaker":"Andy Hart","startTime":4363.63,"endTime":4366.3,"body":"email him and say we need money."},{"speaker":"Andy Hart","startTime":4366.63,"endTime":4369.3,"body":"Apparently, all he was doing was"},{"speaker":"Andy Hart","startTime":4366.63,"endTime":4369.3,"body":"sign in DocuSign just to"},{"speaker":"Andy Hart","startTime":4369.45,"endTime":4373.7699999999995,"body":"basically send money to people"},{"speaker":"Andy Hart","startTime":4369.45,"endTime":4373.7699999999995,"body":"all the time. Just crazy numbers"},{"speaker":"Andy Hart","startTime":4373.7699999999995,"endTime":4376.11,"body":"that's going on. Obviously,"},{"speaker":"Andy Hart","startTime":4373.7699999999995,"endTime":4376.11,"body":"there's a court case on at the"},{"speaker":"Andy Hart","startTime":4376.11,"endTime":4379.62,"body":"moment, there's the missing 9"},{"speaker":"Andy Hart","startTime":4376.11,"endTime":4379.62,"body":"billion, I think, you know, he"},{"speaker":"Andy Hart","startTime":4379.62,"endTime":4382.62,"body":"had customers and clients in"},{"speaker":"Andy Hart","startTime":4379.62,"endTime":4382.62,"body":"every different country breaking"},{"speaker":"Andy Hart","startTime":4382.62,"endTime":4385.29,"body":"all the rules or the financial"},{"speaker":"Andy Hart","startTime":4382.62,"endTime":4385.29,"body":"rules or the regulator rules."},{"speaker":"Andy Hart","startTime":4385.29,"endTime":4391.2,"body":"It's just pure Wild West. But"},{"speaker":"Andy Hart","startTime":4385.29,"endTime":4391.2,"body":"again, it's the sort of lead up"},{"speaker":"Andy Hart","startTime":4391.2,"endTime":4394.92,"body":"story around how most of the"},{"speaker":"Andy Hart","startTime":4391.2,"endTime":4394.92,"body":"investment banks now in the US"},{"speaker":"Andy Hart","startTime":4394.92,"endTime":4399.3,"body":"have become quite boring. And"},{"speaker":"Andy Hart","startTime":4394.92,"endTime":4399.3,"body":"there's these these new sort of"},{"speaker":"Andy Hart","startTime":4399.54,"endTime":4405.48,"body":"flash flash boys as is original"},{"speaker":"Andy Hart","startTime":4399.54,"endTime":4405.48,"body":"book. You know, just algorithmic"},{"speaker":"Andy Hart","startTime":4405.51,"endTime":4409.11,"body":"super fast trading. Anyway, so"},{"speaker":"Andy Hart","startTime":4405.51,"endTime":4409.11,"body":"history of all that sort of"},{"speaker":"Andy Hart","startTime":4409.11,"endTime":4412.59,"body":"stuff. I can't write the book"},{"speaker":"Andy Hart","startTime":4409.11,"endTime":4412.59,"body":"enough. So yeah, it's called"},{"speaker":"Andy Hart","startTime":4414.0,"endTime":4417.5999999999995,"body":"going infinite, the rise and"},{"speaker":"Andy Hart","startTime":4414.0,"endTime":4417.5999999999995,"body":"fall of a new tycoon by Michael"},{"speaker":"Andy Hart","startTime":4417.63,"endTime":4418.44,"body":"Lewis."},{"speaker":"Nick Lincoln","startTime":4418.95,"endTime":4421.2,"body":"And Michael Lewis"},{"speaker":"Nick Lincoln","startTime":4418.95,"endTime":4421.2,"body":"was interviewed on the most"},{"speaker":"Nick Lincoln","startTime":4421.2,"endTime":4423.84,"body":"recent BARRY RITHOLTZ podcast"},{"speaker":"Nick Lincoln","startTime":4421.2,"endTime":4423.84,"body":"episode, so that gives you a"},{"speaker":"Nick Lincoln","startTime":4423.84,"endTime":4428.07,"body":"flavor of the book and the"},{"speaker":"Nick Lincoln","startTime":4423.84,"endTime":4428.07,"body":"theme. Okay, brilliant. Thanks,"},{"speaker":"Nick Lincoln","startTime":4428.07,"endTime":4433.26,"body":"Andy. So, voice done abaci. The"},{"speaker":"Nick Lincoln","startTime":4428.07,"endTime":4433.26,"body":"ride of a lifetime by Bob Iger,"},{"speaker":"Nick Lincoln","startTime":4433.65,"endTime":4436.26,"body":"the man who helped ruin Star"},{"speaker":"Nick Lincoln","startTime":4433.65,"endTime":4436.26,"body":"Wars crack on"},{"speaker":"Carl Widger","startTime":4439.41,"endTime":4442.86,"body":"starts Kasia"},{"speaker":"Carl Widger","startTime":4439.41,"endTime":4442.86,"body":"anyway, thought those two books"},{"speaker":"Carl Widger","startTime":4442.86,"endTime":4446.49,"body":"are brilliant, by the way, boys."},{"speaker":"Carl Widger","startTime":4442.86,"endTime":4446.49,"body":"Thank you. Yeah, so this is I"},{"speaker":"Carl Widger","startTime":4446.49,"endTime":4449.82,"body":"can only describe this I it was"},{"speaker":"Carl Widger","startTime":4446.49,"endTime":4449.82,"body":"for me again, as always audible."},{"speaker":"Carl Widger","startTime":4450.0599999999995,"endTime":4455.46,"body":"Great listen. Not quite as good"},{"speaker":"Carl Widger","startTime":4450.0599999999995,"endTime":4455.46,"body":"as the Shoe Dog by Phil Knight,"},{"speaker":"Carl Widger","startTime":4455.46,"endTime":4459.12,"body":"the Nike story, which was"},{"speaker":"Carl Widger","startTime":4455.46,"endTime":4459.12,"body":"amazing, but kind of in the same"},{"speaker":"Carl Widger","startTime":4461.28,"endTime":4467.0999999999995,"body":"theme as in terms of his career,"},{"speaker":"Carl Widger","startTime":4461.28,"endTime":4467.0999999999995,"body":"where he came from, it's more"},{"speaker":"Carl Widger","startTime":4467.0999999999995,"endTime":4470.04,"body":"obviously Shoe Dog, as you know,"},{"speaker":"Carl Widger","startTime":4467.0999999999995,"endTime":4470.04,"body":"building a global business from"},{"speaker":"Carl Widger","startTime":4470.04,"endTime":4474.3,"body":"nothing. This one is kind of the"},{"speaker":"Carl Widger","startTime":4470.04,"endTime":4474.3,"body":"corporate journey, but really"},{"speaker":"Carl Widger","startTime":4474.3,"endTime":4478.53,"body":"enjoyed a really good and easy"},{"speaker":"Carl Widger","startTime":4474.3,"endTime":4478.53,"body":"listening as well. So yeah,"},{"speaker":"Carl Widger","startTime":4478.5599999999995,"endTime":4482.76,"body":"recommend that one, Bob Iger and"},{"speaker":"Carl Widger","startTime":4478.5599999999995,"endTime":4482.76,"body":"how they've transitioned, you"},{"speaker":"Carl Widger","startTime":4482.76,"endTime":4486.57,"body":"know, and pivoted the business"},{"speaker":"Carl Widger","startTime":4482.76,"endTime":4486.57,"body":"over time. Been really, really"},{"speaker":"Carl Widger","startTime":4486.57,"endTime":4489.87,"body":"good and some really good stuff"},{"speaker":"Carl Widger","startTime":4486.57,"endTime":4489.87,"body":"about his business relationship."},{"speaker":"Carl Widger","startTime":4489.87,"endTime":4494.46,"body":"He was very close to Steve Jobs."},{"speaker":"Carl Widger","startTime":4489.87,"endTime":4494.46,"body":"So intriguing stuff there. So"},{"speaker":"Carl Widger","startTime":4494.46,"endTime":4495.72,"body":"yeah, highly recommend that one."},{"speaker":"Nick Lincoln","startTime":4497.3099999999995,"endTime":4500.0999999999995,"body":"Okay, fantastic."},{"speaker":"Nick Lincoln","startTime":4497.3099999999995,"endTime":4500.0999999999995,"body":"Hey, we made it guys. Well done."},{"speaker":"Nick Lincoln","startTime":4500.0999999999995,"endTime":4503.94,"body":"Good effort. One minutes, one"},{"speaker":"Nick Lincoln","startTime":4500.0999999999995,"endTime":4503.94,"body":"hour, 13 minutes, and I think"},{"speaker":"Nick Lincoln","startTime":4503.94,"endTime":4506.73,"body":"we've given that a damn good"},{"speaker":"Nick Lincoln","startTime":4503.94,"endTime":4506.73,"body":"thrashing for episode 30. So"},{"speaker":"Nick Lincoln","startTime":4506.73,"endTime":4509.43,"body":"we'll we'll we'll do that a wrap"},{"speaker":"Nick Lincoln","startTime":4506.73,"endTime":4509.43,"body":"up. We'll tie it up. Thank you"},{"speaker":"Nick Lincoln","startTime":4509.43,"endTime":4511.92,"body":"dear Trappist. For for"},{"speaker":"Nick Lincoln","startTime":4509.43,"endTime":4511.92,"body":"listening. Thank you for taking"},{"speaker":"Nick Lincoln","startTime":4511.92,"endTime":4514.5,"body":"part. Thank you for making it"},{"speaker":"Nick Lincoln","startTime":4511.92,"endTime":4514.5,"body":"your show as much as it is ours."},{"speaker":"Nick Lincoln","startTime":4514.5,"endTime":4518.58,"body":"please do send in the questions."},{"speaker":"Nick Lincoln","startTime":4514.5,"endTime":4518.58,"body":"Do subscribe to us on your"},{"speaker":"Nick Lincoln","startTime":4518.58,"endTime":4522.51,"body":"podcast catching app of choice"},{"speaker":"Nick Lincoln","startTime":4518.58,"endTime":4522.51,"body":"Do leave a review they give us"},{"speaker":"Nick Lincoln","startTime":4522.51,"endTime":4525.75,"body":"an immense shot in the arm and"},{"speaker":"Nick Lincoln","startTime":4522.51,"endTime":4525.75,"body":"we've all got thin skins and"},{"speaker":"Nick Lincoln","startTime":4525.75,"endTime":4528.15,"body":"massive egos, the more shots the"},{"speaker":"Nick Lincoln","startTime":4525.75,"endTime":4528.15,"body":"army can get the better please"},{"speaker":"Nick Lincoln","startTime":4528.15,"endTime":4530.88,"body":"six out of five stars is the"},{"speaker":"Nick Lincoln","startTime":4528.15,"endTime":4530.88,"body":"bare minimum. Like and subscribe"},{"speaker":"Nick Lincoln","startTime":4530.88,"endTime":4533.13,"body":"to our YouTube channel when"},{"speaker":"Nick Lincoln","startTime":4530.88,"endTime":4533.13,"body":"there's only 600 people away"},{"speaker":"Nick Lincoln","startTime":4533.13,"endTime":4534.84,"body":"from getting to that number"},{"speaker":"Nick Lincoln","startTime":4533.13,"endTime":4534.84,"body":"where we can flog you with with"},{"speaker":"Nick Lincoln","startTime":4534.84,"endTime":4537.87,"body":"endless adverts, which would be"},{"speaker":"Nick Lincoln","startTime":4534.84,"endTime":4537.87,"body":"fantastic. If you do leave a"},{"speaker":"Nick Lincoln","startTime":4537.87,"endTime":4541.62,"body":"review and you want to please do"},{"speaker":"Nick Lincoln","startTime":4537.87,"endTime":4541.62,"body":"leave your proper name so we can"},{"speaker":"Nick Lincoln","startTime":4541.62,"endTime":4544.44,"body":"just engender some community"},{"speaker":"Nick Lincoln","startTime":4541.62,"endTime":4544.44,"body":"that'd be lovely. Otherwise,"},{"speaker":"Nick Lincoln","startTime":4544.44,"endTime":4546.99,"body":"aside from that until the next"},{"speaker":"Nick Lincoln","startTime":4544.44,"endTime":4546.99,"body":"time, it's an EOS from the trap"},{"speaker":"Nick Lincoln","startTime":4546.99,"endTime":4552.18,"body":"pack and take care out there"},{"speaker":"Nick Lincoln","startTime":4546.99,"endTime":4552.18,"body":"folks. Goodbye. Bye bye. See you"},{"speaker":"Nick Lincoln","startTime":4552.18,"endTime":4552.78,"body":"next time."}]}