{"version":"1.0.0","segments":[{"speaker":"Unknown","startTime":8.429,"endTime":13.469,"body":"Welcome to The Real"},{"speaker":"Unknown","startTime":8.429,"endTime":13.469,"body":"advisor podcast, t r a p twerp"},{"speaker":"Unknown","startTime":13.859,"endTime":17.069,"body":"please follow us and join in the"},{"speaker":"Unknown","startTime":13.859,"endTime":17.069,"body":"conversation on Twitter at"},{"speaker":"Unknown","startTime":17.069,"endTime":20.819,"body":"advisor podcast where you can"},{"speaker":"Unknown","startTime":17.069,"endTime":20.819,"body":"suggest ideas and themes you'd"},{"speaker":"Unknown","startTime":20.819,"endTime":24.269,"body":"like the truck team to discuss."},{"speaker":"Unknown","startTime":20.819,"endTime":24.269,"body":"Also remember to like and"},{"speaker":"Unknown","startTime":24.269,"endTime":27.929,"body":"subscribe to our YouTube channel"},{"speaker":"Unknown","startTime":24.269,"endTime":27.929,"body":"and leave a six out of five star"},{"speaker":"Unknown","startTime":27.929,"endTime":31.889,"body":"review on iTunes. Doing all this"},{"speaker":"Unknown","startTime":27.929,"endTime":31.889,"body":"really really helps us which"},{"speaker":"Unknown","startTime":31.889,"endTime":35.339,"body":"means we can do more to help you"},{"speaker":"Unknown","startTime":31.889,"endTime":35.339,"body":"now let's head over to the"},{"speaker":"Unknown","startTime":35.339,"endTime":37.649,"body":"studio for the latest pilot trap"},{"speaker":"Nick Lincoln","startTime":44.01,"endTime":46.41,"body":"yes indeed their"},{"speaker":"Nick Lincoln","startTime":44.01,"endTime":46.41,"body":"trap is welcome back to what"},{"speaker":"Nick Lincoln","startTime":46.41,"endTime":50.4,"body":"many people are calling episode"},{"speaker":"Nick Lincoln","startTime":46.41,"endTime":50.4,"body":"32 of the real advisor podcast T"},{"speaker":"Nick Lincoln","startTime":50.46,"endTime":54.63,"body":"R A P trap. My name is Luke"},{"speaker":"Nick Lincoln","startTime":50.46,"endTime":54.63,"body":"Lincoln and joining me as ever"},{"speaker":"Nick Lincoln","startTime":54.63,"endTime":57.63,"body":"other three other horsemen of"},{"speaker":"Nick Lincoln","startTime":54.63,"endTime":57.63,"body":"the apocalypse call the voice"},{"speaker":"Nick Lincoln","startTime":57.63,"endTime":64.2,"body":"widger Allen the storyteller"},{"speaker":"Nick Lincoln","startTime":57.63,"endTime":64.2,"body":"Smith and and the heart before"},{"speaker":"Nick Lincoln","startTime":64.2,"endTime":68.73,"body":"we go on to the the high energy"},{"speaker":"Nick Lincoln","startTime":64.2,"endTime":68.73,"body":"review reads and so forth just"},{"speaker":"Nick Lincoln","startTime":68.73,"endTime":71.97,"body":"to let you know this shows"},{"speaker":"Nick Lincoln","startTime":68.73,"endTime":71.97,"body":"coming out on a morning of the"},{"speaker":"Nick Lincoln","startTime":71.97,"endTime":74.49,"body":"humans on the management"},{"speaker":"Nick Lincoln","startTime":71.97,"endTime":74.49,"body":"conference this Thursday so some"},{"speaker":"Nick Lincoln","startTime":74.49,"endTime":77.34,"body":"of the people at the conference"},{"speaker":"Nick Lincoln","startTime":74.49,"endTime":77.34,"body":"might have already listened to"},{"speaker":"Nick Lincoln","startTime":77.34,"endTime":79.89,"body":"this on their way into the"},{"speaker":"Nick Lincoln","startTime":77.34,"endTime":79.89,"body":"conference if that makes sense."},{"speaker":"Nick Lincoln","startTime":79.89,"endTime":83.76,"body":"So Andy, we know him as a shy"},{"speaker":"Nick Lincoln","startTime":79.89,"endTime":83.76,"body":"bit of a bit of a wallflower"},{"speaker":"Nick Lincoln","startTime":83.76,"endTime":85.92,"body":"doesn't like to self promote so"},{"speaker":"Nick Lincoln","startTime":83.76,"endTime":85.92,"body":"he doesn't want to talk about"},{"speaker":"Nick Lincoln","startTime":85.92,"endTime":88.05,"body":"him so much this week, but no"},{"speaker":"Nick Lincoln","startTime":85.92,"endTime":88.05,"body":"doubt we'll we'll we'll catch up"},{"speaker":"Nick Lincoln","startTime":88.05,"endTime":90.54,"body":"on it on episode 33. But there's"},{"speaker":"Nick Lincoln","startTime":88.05,"endTime":90.54,"body":"going to be a great event it's"},{"speaker":"Nick Lincoln","startTime":90.54,"endTime":93.66,"body":"the best conference in the UK."},{"speaker":"Nick Lincoln","startTime":90.54,"endTime":93.66,"body":"And it's"},{"speaker":"Andy Hart","startTime":93.66,"endTime":96.6,"body":"three shades you"},{"speaker":"Andy Hart","startTime":93.66,"endTime":96.6,"body":"appreciate you both making the"},{"speaker":"Andy Hart","startTime":96.6,"endTime":97.62,"body":"effort Nick and Alan"},{"speaker":"Nick Lincoln","startTime":99.27,"endTime":100.98,"body":"Well true true"},{"speaker":"Nick Lincoln","startTime":99.27,"endTime":100.98,"body":"true champion."},{"speaker":"Alan Smith","startTime":101.7,"endTime":103.92,"body":"We're bringing a"},{"speaker":"Alan Smith","startTime":101.7,"endTime":103.92,"body":"dozen people there there's a"},{"speaker":"Alan Smith","startTime":103.92,"endTime":108.96,"body":"whole capital there's a capital"},{"speaker":"Alan Smith","startTime":103.92,"endTime":108.96,"body":"crew will be there first. 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I'm sure everyone will"},{"speaker":"Carl Widger","startTime":131.28,"endTime":135.51,"body":"love it and good luck to"},{"speaker":"Carl Widger","startTime":135.51,"endTime":136.59,"body":"everyone attending."},{"speaker":"Andy Hart","startTime":137.22,"endTime":137.55,"body":"Thank you."},{"speaker":"Alan Smith","startTime":138.21,"endTime":139.05,"body":"It's not speaking"},{"speaker":"Nick Lincoln","startTime":140.91,"endTime":143.34,"body":"up I've crossed"},{"speaker":"Nick Lincoln","startTime":140.91,"endTime":143.34,"body":"the Rubicon or something I think"},{"speaker":"Nick Lincoln","startTime":143.34,"endTime":143.61,"body":"now"},{"speaker":"Alan Smith","startTime":145.47,"endTime":147.63,"body":"cancel canceled by"},{"speaker":"Alan Smith","startTime":145.47,"endTime":147.63,"body":"your heart."},{"speaker":"Nick Lincoln","startTime":147.87,"endTime":150.78,"body":"I got cancelled."},{"speaker":"Nick Lincoln","startTime":147.87,"endTime":150.78,"body":"Okay, he's focusing on his big"},{"speaker":"Nick Lincoln","startTime":150.78,"endTime":153.03,"body":"brands. Okay, fine do reviews."},{"speaker":"Andy Hart","startTime":155.1,"endTime":160.05,"body":"Okay, first up is by"},{"speaker":"Andy Hart","startTime":155.1,"endTime":160.05,"body":"dB hyphen 85 of five stars"},{"speaker":"Andy Hart","startTime":160.05,"endTime":162.75,"body":"absolute gold, absolute gold as"},{"speaker":"Andy Hart","startTime":160.05,"endTime":162.75,"body":"a relatively new advisor the"},{"speaker":"Andy Hart","startTime":162.75,"endTime":165.12,"body":"Tips Tricks discussions in his"},{"speaker":"Andy Hart","startTime":162.75,"endTime":165.12,"body":"podcast that given me some great"},{"speaker":"Andy Hart","startTime":165.12,"endTime":168.36,"body":"insights into how best to serve"},{"speaker":"Andy Hart","startTime":165.12,"endTime":168.36,"body":"my clients. I look forward to"},{"speaker":"Andy Hart","startTime":168.39,"endTime":173.97,"body":"every new episode. Thanks gents."},{"speaker":"Andy Hart","startTime":168.39,"endTime":173.97,"body":"Next up is from back to why Nick"},{"speaker":"Andy Hart","startTime":173.97,"endTime":178.89,"body":"at BW m bit of an odd handle"},{"speaker":"Andy Hart","startTime":173.97,"endTime":178.89,"body":"anyway, the give us five stars."},{"speaker":"Andy Hart","startTime":179.04,"endTime":181.95,"body":"Some people in life give back"},{"speaker":"Andy Hart","startTime":179.04,"endTime":181.95,"body":"and these four loons certainly"},{"speaker":"Andy Hart","startTime":181.95,"endTime":185.31,"body":"do that great work, lads. Keep"},{"speaker":"Andy Hart","startTime":181.95,"endTime":185.31,"body":"giving back to this amazing"},{"speaker":"Andy Hart","startTime":185.31,"endTime":188.58,"body":"community of ours. I learned"},{"speaker":"Andy Hart","startTime":185.31,"endTime":188.58,"body":"something new every time I tune"},{"speaker":"Andy Hart","startTime":188.58,"endTime":196.68,"body":"in six star review. final review"},{"speaker":"Andy Hart","startTime":188.58,"endTime":196.68,"body":"is from Jay wa haitch 1984 Five"},{"speaker":"Andy Hart","startTime":196.68,"endTime":199.62,"body":"stars enjoyable. I really"},{"speaker":"Andy Hart","startTime":196.68,"endTime":199.62,"body":"enjoyed the format simple and"},{"speaker":"Andy Hart","startTime":199.62,"endTime":203.04,"body":"fun a mixing dry humor isn't dad"},{"speaker":"Andy Hart","startTime":199.62,"endTime":203.04,"body":"jokes. Hopefully not talking"},{"speaker":"Andy Hart","startTime":203.04,"endTime":205.77,"body":"about me with some topical"},{"speaker":"Andy Hart","startTime":203.04,"endTime":205.77,"body":"financial content. Thank you"},{"speaker":"Andy Hart","startTime":205.8,"endTime":206.91,"body":"back to your boss."},{"speaker":"Nick Lincoln","startTime":208.92,"endTime":211.29,"body":"Excellent, thank"},{"speaker":"Nick Lincoln","startTime":208.92,"endTime":211.29,"body":"you for those reviews Trappists."},{"speaker":"Nick Lincoln","startTime":211.29,"endTime":213.27,"body":"And as ever do keep on sending"},{"speaker":"Nick Lincoln","startTime":211.29,"endTime":213.27,"body":"them in and if you want to"},{"speaker":"Nick Lincoln","startTime":213.27,"endTime":215.82,"body":"reference your name in the"},{"speaker":"Nick Lincoln","startTime":213.27,"endTime":215.82,"body":"reviews even better, so we know"},{"speaker":"Nick Lincoln","startTime":215.82,"endTime":218.64,"body":"who you are. That just engenders"},{"speaker":"Nick Lincoln","startTime":215.82,"endTime":218.64,"body":"I think a sense of community."},{"speaker":"Nick Lincoln","startTime":218.64,"endTime":222.09,"body":"Okay, so we've got a lot of news"},{"speaker":"Nick Lincoln","startTime":218.64,"endTime":222.09,"body":"going on not a stuff happening"},{"speaker":"Nick Lincoln","startTime":222.09,"endTime":224.82,"body":"in our, in this thing of ours"},{"speaker":"Nick Lincoln","startTime":222.09,"endTime":224.82,"body":"this world that we've we've"},{"speaker":"Nick Lincoln","startTime":224.82,"endTime":227.49,"body":"chosen to immerse ourselves in"},{"speaker":"Nick Lincoln","startTime":224.82,"endTime":227.49,"body":"and we have quite a few typical"},{"speaker":"Nick Lincoln","startTime":227.49,"endTime":229.2,"body":"tickets, Mr. Hart lead off."},{"speaker":"Andy Hart","startTime":230.37,"endTime":233.07,"body":"Okay, yeah. So this"},{"speaker":"Andy Hart","startTime":230.37,"endTime":233.07,"body":"is there was a company that"},{"speaker":"Andy Hart","startTime":233.07,"endTime":238.17,"body":"launched called Open money. And"},{"speaker":"Andy Hart","startTime":233.07,"endTime":238.17,"body":"it's an article about sort of"},{"speaker":"Andy Hart","startTime":238.17,"endTime":241.62,"body":"the rise and fall of open money."},{"speaker":"Andy Hart","startTime":238.17,"endTime":241.62,"body":"It's one of these sort of no"},{"speaker":"Andy Hart","startTime":241.62,"endTime":246.57,"body":"help. Robo Advisor, investment"},{"speaker":"Andy Hart","startTime":241.62,"endTime":246.57,"body":"portfolio type companies. First"},{"speaker":"Andy Hart","startTime":246.57,"endTime":248.61,"body":"thing I want to say obviously,"},{"speaker":"Andy Hart","startTime":246.57,"endTime":248.61,"body":"hats off, you know, it's very"},{"speaker":"Andy Hart","startTime":248.61,"endTime":250.65,"body":"commendable, setting up a new"},{"speaker":"Andy Hart","startTime":248.61,"endTime":250.65,"body":"business and trying to start"},{"speaker":"Andy Hart","startTime":250.65,"endTime":254.25,"body":"something new and do something"},{"speaker":"Andy Hart","startTime":250.65,"endTime":254.25,"body":"quite disruptive. But then,"},{"speaker":"Andy Hart","startTime":254.25,"endTime":258.54,"body":"obviously, let's talk about the"},{"speaker":"Andy Hart","startTime":254.25,"endTime":258.54,"body":"challenge of scaling a regulated"},{"speaker":"Andy Hart","startTime":258.54,"endTime":261.15,"body":"financial advice business. I"},{"speaker":"Andy Hart","startTime":258.54,"endTime":261.15,"body":"have written about this in the"},{"speaker":"Andy Hart","startTime":261.15,"endTime":264.24,"body":"past saying that financial"},{"speaker":"Andy Hart","startTime":261.15,"endTime":264.24,"body":"advice regulated financial"},{"speaker":"Andy Hart","startTime":264.24,"endTime":267.12,"body":"advice is a luxury product. It's"},{"speaker":"Andy Hart","startTime":264.24,"endTime":267.12,"body":"very hard to do for cheap,"},{"speaker":"Andy Hart","startTime":267.51,"endTime":272.52,"body":"online and at scale. And again,"},{"speaker":"Andy Hart","startTime":267.51,"endTime":272.52,"body":"another company has sort of"},{"speaker":"Andy Hart","startTime":272.52,"endTime":276.39,"body":"fallen by the wayside. They've"},{"speaker":"Andy Hart","startTime":272.52,"endTime":276.39,"body":"invested about 30 million in"},{"speaker":"Andy Hart","startTime":276.42,"endTime":279.54,"body":"open money. One of the key sort"},{"speaker":"Andy Hart","startTime":276.42,"endTime":279.54,"body":"of original founders, co"},{"speaker":"Andy Hart","startTime":279.54,"endTime":282.48,"body":"founders and investors was a guy"},{"speaker":"Andy Hart","startTime":279.54,"endTime":282.48,"body":"called Duncan Cameron who is the"},{"speaker":"Andy Hart","startTime":282.48,"endTime":286.56,"body":"sort of tech guy behind money"},{"speaker":"Andy Hart","startTime":282.48,"endTime":286.56,"body":"supermarket. I think at one"},{"speaker":"Andy Hart","startTime":286.56,"endTime":289.68,"body":"point, they were burning 600"},{"speaker":"Andy Hart","startTime":286.56,"endTime":289.68,"body":"grand a month there are close to"},{"speaker":"Andy Hart","startTime":289.68,"endTime":292.86,"body":"100 employees and the revenue of"},{"speaker":"Andy Hart","startTime":289.68,"endTime":292.86,"body":"the company is about million. So"},{"speaker":"Andy Hart","startTime":293.37,"endTime":299.1,"body":"it's one of those again,"},{"speaker":"Andy Hart","startTime":293.37,"endTime":299.1,"body":"unfortunate stories where they"},{"speaker":"Andy Hart","startTime":299.1,"endTime":301.59,"body":"weren't able to cry. act this"},{"speaker":"Andy Hart","startTime":299.1,"endTime":301.59,"body":"thing that is called regulated"},{"speaker":"Andy Hart","startTime":301.59,"endTime":308.19,"body":"financial advice on mass scale."},{"speaker":"Andy Hart","startTime":301.59,"endTime":308.19,"body":"So again, it's another sort of"},{"speaker":"Andy Hart","startTime":308.94,"endTime":312.33,"body":"overly celebrated company that's"},{"speaker":"Andy Hart","startTime":308.94,"endTime":312.33,"body":"sort of back down to earth. So"},{"speaker":"Andy Hart","startTime":312.33,"endTime":316.08,"body":"yeah, it's uh, yeah, that's"},{"speaker":"Andy Hart","startTime":312.33,"endTime":316.08,"body":"that's the money story. Any"},{"speaker":"Andy Hart","startTime":316.08,"endTime":316.5,"body":"comments?"},{"speaker":"Alan Smith","startTime":317.97,"endTime":320.67,"body":"I don't know, the"},{"speaker":"Alan Smith","startTime":317.97,"endTime":320.67,"body":"story, obviously, other than"},{"speaker":"Alan Smith","startTime":320.67,"endTime":325.11,"body":"what was reported in the media."},{"speaker":"Alan Smith","startTime":320.67,"endTime":325.11,"body":"One thing that struck me though,"},{"speaker":"Alan Smith","startTime":325.32,"endTime":329.13,"body":"and referencing it back to our"},{"speaker":"Alan Smith","startTime":325.32,"endTime":329.13,"body":"last episode, where we talked"},{"speaker":"Alan Smith","startTime":329.13,"endTime":332.85,"body":"about starting advice business,"},{"speaker":"Alan Smith","startTime":329.13,"endTime":332.85,"body":"and I think all of us broadly"},{"speaker":"Alan Smith","startTime":332.85,"endTime":335.04,"body":"said that you kind of, you're"},{"speaker":"Alan Smith","startTime":332.85,"endTime":335.04,"body":"going to earn nothing for two"},{"speaker":"Alan Smith","startTime":335.04,"endTime":337.26,"body":"years, for example, it's gonna"},{"speaker":"Alan Smith","startTime":335.04,"endTime":337.26,"body":"you're gonna have a tough,"},{"speaker":"Alan Smith","startTime":337.29,"endTime":340.2,"body":"there's going to be years of"},{"speaker":"Alan Smith","startTime":337.29,"endTime":340.2,"body":"quite tough times. And that is"},{"speaker":"Alan Smith","startTime":340.2,"endTime":343.47,"body":"as a kind of micro all of us"},{"speaker":"Alan Smith","startTime":340.2,"endTime":343.47,"body":"effectively One Man, Two men,"},{"speaker":"Alan Smith","startTime":343.47,"endTime":347.01,"body":"sort of micro type businesses."},{"speaker":"Alan Smith","startTime":343.47,"endTime":347.01,"body":"One thing that struck me and I,"},{"speaker":"Alan Smith","startTime":347.37,"endTime":350.55,"body":"you're right, Andy, I don't want"},{"speaker":"Alan Smith","startTime":347.37,"endTime":350.55,"body":"to decry anyone who's got the"},{"speaker":"Alan Smith","startTime":350.55,"endTime":355.29,"body":"idea to start any new business,"},{"speaker":"Alan Smith","startTime":350.55,"endTime":355.29,"body":"but you look at the the burn"},{"speaker":"Alan Smith","startTime":355.29,"endTime":358.56,"body":"rate this company had, because"},{"speaker":"Alan Smith","startTime":355.29,"endTime":358.56,"body":"there was a lot of big salaries"},{"speaker":"Alan Smith","startTime":358.8,"endTime":360.93,"body":"being taken out. And I just"},{"speaker":"Alan Smith","startTime":358.8,"endTime":360.93,"body":"thought to myself, if you've got"},{"speaker":"Alan Smith","startTime":360.93,"endTime":363.75,"body":"a startup business, you should"},{"speaker":"Alan Smith","startTime":360.93,"endTime":363.75,"body":"be, you should have enough money"},{"speaker":"Alan Smith","startTime":363.75,"endTime":367.53,"body":"not to take to take zero from"},{"speaker":"Alan Smith","startTime":363.75,"endTime":367.53,"body":"that business for two, three"},{"speaker":"Alan Smith","startTime":367.53,"endTime":370.77,"body":"years, you should have savings"},{"speaker":"Alan Smith","startTime":367.53,"endTime":370.77,"body":"or something. You've started a"},{"speaker":"Alan Smith","startTime":370.77,"endTime":374.19,"body":"startup that where the"},{"speaker":"Alan Smith","startTime":370.77,"endTime":374.19,"body":"executives are being paid six"},{"speaker":"Alan Smith","startTime":374.19,"endTime":377.79,"body":"figure salaries to me is just an"},{"speaker":"Alan Smith","startTime":374.19,"endTime":377.79,"body":"athame. I couldn't imagine it"},{"speaker":"Alan Smith","startTime":377.82,"endTime":380.19,"body":"wouldn't do it yourself. You're"},{"speaker":"Alan Smith","startTime":377.82,"endTime":380.19,"body":"burning other people's money."},{"speaker":"Alan Smith","startTime":381.06,"endTime":383.49,"body":"Yeah, I may have the wrong end"},{"speaker":"Alan Smith","startTime":381.06,"endTime":383.49,"body":"of the stick. But that's just"},{"speaker":"Alan Smith","startTime":383.49,"endTime":386.58,"body":"what it seems to be the message"},{"speaker":"Alan Smith","startTime":383.49,"endTime":386.58,"body":"I saw your heart you're going to"},{"speaker":"Alan Smith","startTime":386.58,"endTime":390.3,"body":"struggle, if you if the money"},{"speaker":"Alan Smith","startTime":386.58,"endTime":390.3,"body":"going out is multiples of the"},{"speaker":"Alan Smith","startTime":390.3,"endTime":392.19,"body":"money coming in? Pretty obvious."},{"speaker":"Nick Lincoln","startTime":393.96,"endTime":396.99,"body":"Okay, thank you"},{"speaker":"Nick Lincoln","startTime":393.96,"endTime":396.99,"body":"for that. Well, you're talking"},{"speaker":"Nick Lincoln","startTime":396.99,"endTime":400.95,"body":"of Robo advice, businesses"},{"speaker":"Nick Lincoln","startTime":396.99,"endTime":400.95,"body":"trying and failing it again, in"},{"speaker":"Nick Lincoln","startTime":400.95,"endTime":403.56,"body":"the UK, a few episodes back, we"},{"speaker":"Nick Lincoln","startTime":400.95,"endTime":403.56,"body":"discussed Vanguard closing down,"},{"speaker":"Nick Lincoln","startTime":403.56,"endTime":407.61,"body":"it's kind of light advice. Robo"},{"speaker":"Nick Lincoln","startTime":403.56,"endTime":407.61,"body":"service in the UK is going great"},{"speaker":"Nick Lincoln","startTime":407.61,"endTime":410.31,"body":"guns in the US but just didn't"},{"speaker":"Nick Lincoln","startTime":407.61,"endTime":410.31,"body":"get any traction here. And"},{"speaker":"Nick Lincoln","startTime":410.31,"endTime":413.34,"body":"Vanguard, I'll also turn their"},{"speaker":"Nick Lincoln","startTime":410.31,"endTime":413.34,"body":"back on China that if you guys"},{"speaker":"Nick Lincoln","startTime":413.34,"endTime":416.73,"body":"saw this, they've closed down"},{"speaker":"Nick Lincoln","startTime":413.34,"endTime":416.73,"body":"their China office. And"},{"speaker":"Nick Lincoln","startTime":416.73,"endTime":419.16,"body":"obviously Vanguard is a"},{"speaker":"Nick Lincoln","startTime":416.73,"endTime":419.16,"body":"significant brand, a significant"},{"speaker":"Nick Lincoln","startTime":419.16,"endTime":423.21,"body":"investment manager. And they"},{"speaker":"Nick Lincoln","startTime":419.16,"endTime":423.21,"body":"have just decided not to pursue"},{"speaker":"Nick Lincoln","startTime":423.21,"endTime":426.18,"body":"their business in China, I'll"},{"speaker":"Nick Lincoln","startTime":423.21,"endTime":426.18,"body":"put a link to the article which"},{"speaker":"Nick Lincoln","startTime":426.18,"endTime":430.2,"body":"I read this in. They don't say"},{"speaker":"Nick Lincoln","startTime":426.18,"endTime":430.2,"body":"why the quote here is Vanguard"},{"speaker":"Nick Lincoln","startTime":430.2,"endTime":433.41,"body":"will close its Shanghai office,"},{"speaker":"Nick Lincoln","startTime":430.2,"endTime":433.41,"body":"and will continue to monitor"},{"speaker":"Nick Lincoln","startTime":433.41,"endTime":436.74,"body":"developments in China. I'm"},{"speaker":"Nick Lincoln","startTime":433.41,"endTime":436.74,"body":"guessing it's just a sign of"},{"speaker":"Nick Lincoln","startTime":436.74,"endTime":438.96,"body":"these, these these these these"},{"speaker":"Nick Lincoln","startTime":436.74,"endTime":438.96,"body":"regimes in the world that are"},{"speaker":"Nick Lincoln","startTime":438.96,"endTime":443.04,"body":"getting more and more autocratic"},{"speaker":"Nick Lincoln","startTime":438.96,"endTime":443.04,"body":"and unpleasant. And China is"},{"speaker":"Nick Lincoln","startTime":443.04,"endTime":446.43,"body":"kind of turning his back on. A"},{"speaker":"Nick Lincoln","startTime":443.04,"endTime":446.43,"body":"lot of the developments we"},{"speaker":"Nick Lincoln","startTime":446.43,"endTime":449.25,"body":"thought would happen to it as"},{"speaker":"Nick Lincoln","startTime":446.43,"endTime":449.25,"body":"sort of embrace capitalism. I"},{"speaker":"Nick Lincoln","startTime":449.25,"endTime":452.46,"body":"don't think Vanguard thinking we"},{"speaker":"Nick Lincoln","startTime":449.25,"endTime":452.46,"body":"were getting out of this. Now"},{"speaker":"Nick Lincoln","startTime":452.46,"endTime":454.89,"body":"maybe we'll come back in future."},{"speaker":"Nick Lincoln","startTime":452.46,"endTime":454.89,"body":"That's quite a quite a big"},{"speaker":"Nick Lincoln","startTime":454.89,"endTime":458.04,"body":"thing. Obviously, China is a"},{"speaker":"Nick Lincoln","startTime":454.89,"endTime":458.04,"body":"potentially massive, massive"},{"speaker":"Nick Lincoln","startTime":458.04,"endTime":463.71,"body":"market. So just sort of"},{"speaker":"Nick Lincoln","startTime":458.04,"endTime":463.71,"body":"mentioned that. Watch the ideas"},{"speaker":"Nick Lincoln","startTime":463.71,"endTime":465.15,"body":"exchange in Ireland, how's it"},{"speaker":"Nick Lincoln","startTime":463.71,"endTime":465.15,"body":"going?"},{"speaker":"Carl Widger","startTime":466.62,"endTime":470.16,"body":"Really, really?"},{"speaker":"Carl Widger","startTime":466.62,"endTime":470.16,"body":"Well. Yeah, so what I've done is"},{"speaker":"Carl Widger","startTime":470.19,"endTime":475.14,"body":"I've sent about 10 messages to"},{"speaker":"Carl Widger","startTime":470.19,"endTime":475.14,"body":"various principles of financial"},{"speaker":"Carl Widger","startTime":475.14,"endTime":480.57,"body":"planning firms. And we are"},{"speaker":"Carl Widger","startTime":475.14,"endTime":480.57,"body":"meeting on the 30th of November,"},{"speaker":"Carl Widger","startTime":480.96,"endTime":488.64,"body":"in a house on Leeson Street, in"},{"speaker":"Carl Widger","startTime":480.96,"endTime":488.64,"body":"Dublin at 6pm. And after that, I"},{"speaker":"Carl Widger","startTime":488.64,"endTime":491.67,"body":"don't really know what's going"},{"speaker":"Carl Widger","startTime":488.64,"endTime":491.67,"body":"to happen other than about 10,"},{"speaker":"Carl Widger","startTime":491.67,"endTime":495.99,"body":"people have said that they're"},{"speaker":"Carl Widger","startTime":491.67,"endTime":495.99,"body":"going to go so far, and have got"},{"speaker":"Carl Widger","startTime":495.99,"endTime":499.68,"body":"a few kind of other messages. So"},{"speaker":"Carl Widger","startTime":495.99,"endTime":499.68,"body":"kind of what we're trying to do"},{"speaker":"Carl Widger","startTime":499.98,"endTime":502.71,"body":"to make it as effective as"},{"speaker":"Carl Widger","startTime":499.98,"endTime":502.71,"body":"possible and maybe get it off"},{"speaker":"Carl Widger","startTime":502.71,"endTime":505.29,"body":"the ground. Because I guess"},{"speaker":"Carl Widger","startTime":502.71,"endTime":505.29,"body":"that's going to be the hard part"},{"speaker":"Carl Widger","startTime":505.32,"endTime":510.06,"body":"is to maybe just limited to"},{"speaker":"Carl Widger","startTime":505.32,"endTime":510.06,"body":"principles of firms. And we'll"},{"speaker":"Carl Widger","startTime":510.09,"endTime":514.59,"body":"just kind of see where we go to"},{"speaker":"Carl Widger","startTime":510.09,"endTime":514.59,"body":"allow us kick around a few ideas"},{"speaker":"Carl Widger","startTime":514.59,"endTime":518.76,"body":"and see, is there an appetite to"},{"speaker":"Carl Widger","startTime":514.59,"endTime":518.76,"body":"kind of kick something off? And"},{"speaker":"Carl Widger","startTime":518.76,"endTime":521.7,"body":"if there is, then we'll decided"},{"speaker":"Carl Widger","startTime":518.76,"endTime":521.7,"body":"that evening? And if not, we'd"},{"speaker":"Carl Widger","startTime":521.7,"endTime":524.61,"body":"have a great night anyway. So"},{"speaker":"Carl Widger","startTime":521.7,"endTime":524.61,"body":"yeah, looking forward to it. And"},{"speaker":"Carl Widger","startTime":524.61,"endTime":528.0,"body":"thanks to everyone who pretty"},{"speaker":"Carl Widger","startTime":524.61,"endTime":528.0,"body":"much straightaway came back and"},{"speaker":"Carl Widger","startTime":528.0,"endTime":530.85,"body":"said, Yeah, I mean, couple of"},{"speaker":"Carl Widger","startTime":528.0,"endTime":530.85,"body":"people obviously can't make it."},{"speaker":"Carl Widger","startTime":530.85,"endTime":534.45,"body":"You're never going to suit"},{"speaker":"Carl Widger","startTime":530.85,"endTime":534.45,"body":"everybody. But yeah, so look, if"},{"speaker":"Carl Widger","startTime":534.48,"endTime":537.57,"body":"I haven't been in touch, this is"},{"speaker":"Carl Widger","startTime":534.48,"endTime":537.57,"body":"an open invite. If you're a"},{"speaker":"Carl Widger","startTime":537.57,"endTime":541.89,"body":"principal of a financial"},{"speaker":"Carl Widger","startTime":537.57,"endTime":541.89,"body":"planning firm, or you're on the"},{"speaker":"Carl Widger","startTime":541.89,"endTime":545.28,"body":"road or the transition to real"},{"speaker":"Carl Widger","startTime":541.89,"endTime":545.28,"body":"financial planning, please do"},{"speaker":"Carl Widger","startTime":545.28,"endTime":548.61,"body":"come along 30th of November"},{"speaker":"Carl Widger","startTime":545.28,"endTime":548.61,"body":"house and Leeson Street in"},{"speaker":"Carl Widger","startTime":548.61,"endTime":551.1,"body":"Dublin 6pm. See you there"},{"speaker":"Nick Lincoln","startTime":557.009,"endTime":558.899,"body":"a great ethical"},{"speaker":"Nick Lincoln","startTime":557.009,"endTime":558.899,"body":"well done, we wish you the best."},{"speaker":"Nick Lincoln","startTime":558.899,"endTime":561.239,"body":"Well, that is certainly"},{"speaker":"Nick Lincoln","startTime":558.899,"endTime":561.239,"body":"something that we we've been"},{"speaker":"Nick Lincoln","startTime":561.239,"endTime":563.729,"body":"great with the three of us in"},{"speaker":"Nick Lincoln","startTime":561.239,"endTime":563.729,"body":"the UK here. We go to our one"},{"speaker":"Nick Lincoln","startTime":563.729,"endTime":568.409,"body":"and we get enough out of it,"},{"speaker":"Nick Lincoln","startTime":563.729,"endTime":568.409,"body":"don't we? I think okay. All"},{"speaker":"Nick Lincoln","startTime":568.409,"endTime":571.469,"body":"right, talking about world"},{"speaker":"Nick Lincoln","startTime":568.409,"endTime":571.469,"body":"events. And despite some things"},{"speaker":"Nick Lincoln","startTime":571.469,"endTime":574.619,"body":"going on, we can't we're not a"},{"speaker":"Nick Lincoln","startTime":571.469,"endTime":574.619,"body":"political show. And we don't"},{"speaker":"Nick Lincoln","startTime":574.619,"endTime":576.359,"body":"want to become a political show."},{"speaker":"Nick Lincoln","startTime":574.619,"endTime":576.359,"body":"But there are things going on in"},{"speaker":"Nick Lincoln","startTime":576.359,"endTime":579.239,"body":"the world that are pretty shitty"},{"speaker":"Nick Lincoln","startTime":576.359,"endTime":579.239,"body":"at the moment. In the Middle"},{"speaker":"Nick Lincoln","startTime":579.239,"endTime":582.629,"body":"East, obviously and something"},{"speaker":"Nick Lincoln","startTime":579.239,"endTime":582.629,"body":"that we were talking about, I"},{"speaker":"Nick Lincoln","startTime":582.629,"endTime":586.769,"body":"think in the in the ideas"},{"speaker":"Nick Lincoln","startTime":582.629,"endTime":586.769,"body":"exchange, actually. This peer"},{"speaker":"Nick Lincoln","startTime":586.769,"endTime":588.869,"body":"group that we belong to is how"},{"speaker":"Nick Lincoln","startTime":586.769,"endTime":588.869,"body":"are we talking to our clients"},{"speaker":"Nick Lincoln","startTime":588.869,"endTime":595.019,"body":"about this because I have a"},{"speaker":"Nick Lincoln","startTime":588.869,"endTime":595.019,"body":"number of Jewish clients and are"},{"speaker":"Nick Lincoln","startTime":595.019,"endTime":598.499,"body":"we raising it these events and"},{"speaker":"Nick Lincoln","startTime":595.019,"endTime":598.499,"body":"are we discussing it and and"},{"speaker":"Nick Lincoln","startTime":598.499,"endTime":600.599,"body":"some people are sort of having"},{"speaker":"Nick Lincoln","startTime":598.499,"endTime":600.599,"body":"phone calls I think the phoning"},{"speaker":"Nick Lincoln","startTime":600.599,"endTime":603.329,"body":"their clients just talking about"},{"speaker":"Nick Lincoln","startTime":600.599,"endTime":603.329,"body":"what's going on in Israel and so"},{"speaker":"Nick Lincoln","startTime":603.329,"endTime":608.669,"body":"forth. I, I didn't because I"},{"speaker":"Nick Lincoln","startTime":603.329,"endTime":608.669,"body":"just didn't. It's really hard,"},{"speaker":"Nick Lincoln","startTime":608.669,"endTime":610.739,"body":"isn't it? I just I just didn't"},{"speaker":"Nick Lincoln","startTime":608.669,"endTime":610.739,"body":"want to, I just didn't wanna"},{"speaker":"Nick Lincoln","startTime":610.739,"endTime":613.679,"body":"have a conversation about it."},{"speaker":"Nick Lincoln","startTime":610.739,"endTime":613.679,"body":"But what I did have fun of this"},{"speaker":"Nick Lincoln","startTime":613.679,"endTime":615.959,"body":"month I have three Jewish"},{"speaker":"Nick Lincoln","startTime":613.679,"endTime":615.959,"body":"clients with birthdays, my right"},{"speaker":"Nick Lincoln","startTime":615.959,"endTime":618.929,"body":"clients, birthday cards, I just"},{"speaker":"Nick Lincoln","startTime":615.959,"endTime":618.929,"body":"put a handwritten little note"},{"speaker":"Nick Lincoln","startTime":618.929,"endTime":622.859,"body":"in. You don't want me to kind of"},{"speaker":"Nick Lincoln","startTime":618.929,"endTime":622.859,"body":"condescending or sentimental"},{"speaker":"Nick Lincoln","startTime":622.859,"endTime":625.439,"body":"about it. But you want to you"},{"speaker":"Nick Lincoln","startTime":622.859,"endTime":625.439,"body":"want to acknowledge right, you"},{"speaker":"Nick Lincoln","startTime":625.439,"endTime":628.409,"body":"know what's going on, because a"},{"speaker":"Nick Lincoln","startTime":625.439,"endTime":628.409,"body":"lot of these Jewish clients have"},{"speaker":"Nick Lincoln","startTime":628.409,"endTime":631.499,"body":"family and and friends in"},{"speaker":"Nick Lincoln","startTime":628.409,"endTime":631.499,"body":"Israel, they might be planning"},{"speaker":"Nick Lincoln","startTime":631.499,"endTime":634.649,"body":"to go to Israel, you know, when"},{"speaker":"Nick Lincoln","startTime":631.499,"endTime":634.649,"body":"they retire. So I've just been"},{"speaker":"Nick Lincoln","startTime":634.649,"endTime":637.289,"body":"putting these and had one one"},{"speaker":"Nick Lincoln","startTime":634.649,"endTime":637.289,"body":"guy came back to you. So that's"},{"speaker":"Nick Lincoln","startTime":637.289,"endTime":639.419,"body":"really sweet and that you send"},{"speaker":"Nick Lincoln","startTime":637.289,"endTime":639.419,"body":"to mental health for thank but"},{"speaker":"Nick Lincoln","startTime":639.419,"endTime":642.569,"body":"thank you. So I don't know if"},{"speaker":"Nick Lincoln","startTime":639.419,"endTime":642.569,"body":"you guys you guys are doing"},{"speaker":"Nick Lincoln","startTime":642.569,"endTime":645.569,"body":"anything and sort of use the"},{"speaker":"Nick Lincoln","startTime":642.569,"endTime":645.569,"body":"modern parlance reached out to"},{"speaker":"Nick Lincoln","startTime":645.569,"endTime":647.849,"body":"to people who might be affected"},{"speaker":"Nick Lincoln","startTime":645.569,"endTime":647.849,"body":"by these by these terrible"},{"speaker":"Nick Lincoln","startTime":647.849,"endTime":648.269,"body":"events."},{"speaker":"Carl Widger","startTime":649.049,"endTime":653.249,"body":"Yeah. So yeah,"},{"speaker":"Carl Widger","startTime":649.049,"endTime":653.249,"body":"look, it's it's shocking stuff."},{"speaker":"Carl Widger","startTime":653.249,"endTime":656.939,"body":"And let's hope for peaceful"},{"speaker":"Carl Widger","startTime":653.249,"endTime":656.939,"body":"resolution very, very soon. And"},{"speaker":"Carl Widger","startTime":656.939,"endTime":661.889,"body":"let's trust in humanity to go"},{"speaker":"Carl Widger","startTime":656.939,"endTime":661.889,"body":"and find that resolution. Yeah,"},{"speaker":"Carl Widger","startTime":661.889,"endTime":666.509,"body":"I had got a couple of more than"},{"speaker":"Carl Widger","startTime":661.889,"endTime":666.509,"body":"a couple, I had a good few"},{"speaker":"Carl Widger","startTime":666.509,"endTime":670.409,"body":"conversations with clients who"},{"speaker":"Carl Widger","startTime":666.509,"endTime":670.409,"body":"are a little bit kind of worried"},{"speaker":"Carl Widger","startTime":670.409,"endTime":674.399,"body":"about stock markets. And you"},{"speaker":"Carl Widger","startTime":670.409,"endTime":674.399,"body":"know, the fact that their"},{"speaker":"Carl Widger","startTime":674.429,"endTime":678.149,"body":"investment isn't returning, you"},{"speaker":"Carl Widger","startTime":674.429,"endTime":678.149,"body":"know, the long term averages and"},{"speaker":"Carl Widger","startTime":678.149,"endTime":681.929,"body":"all of that kind of stuff. So we"},{"speaker":"Carl Widger","startTime":678.149,"endTime":681.929,"body":"actually have a our investment"},{"speaker":"Carl Widger","startTime":681.929,"endTime":686.609,"body":"newsletter is due out next week."},{"speaker":"Carl Widger","startTime":681.929,"endTime":686.609,"body":"So we've kind of covered a"},{"speaker":"Carl Widger","startTime":686.609,"endTime":689.579,"body":"couple of things, we various"},{"speaker":"Carl Widger","startTime":686.609,"endTime":689.579,"body":"people from Metis, doing various"},{"speaker":"Carl Widger","startTime":689.579,"endTime":691.949,"body":"articles on that. But what I've"},{"speaker":"Carl Widger","startTime":689.579,"endTime":691.949,"body":"done is I actually shared it"},{"speaker":"Carl Widger","startTime":691.949,"endTime":699.449,"body":"with DuBois. I've done a video"},{"speaker":"Carl Widger","startTime":691.949,"endTime":699.449,"body":"to kind of just, I suppose I"},{"speaker":"Carl Widger","startTime":699.449,"endTime":701.849,"body":"don't know if we can give"},{"speaker":"Carl Widger","startTime":699.449,"endTime":701.849,"body":"comfort or ease concerns, but"},{"speaker":"Carl Widger","startTime":701.849,"endTime":704.999,"body":"just to remind people as to why"},{"speaker":"Carl Widger","startTime":701.849,"endTime":704.999,"body":"we're doing what we're doing,"},{"speaker":"Carl Widger","startTime":704.999,"endTime":708.329,"body":"why they're invested in what"},{"speaker":"Carl Widger","startTime":704.999,"endTime":708.329,"body":"they're invested in. And he was"},{"speaker":"Carl Widger","startTime":708.359,"endTime":713.549,"body":"very kind to update his wall of"},{"speaker":"Carl Widger","startTime":708.359,"endTime":713.549,"body":"worry, too, which I used in the"},{"speaker":"Carl Widger","startTime":713.549,"endTime":717.719,"body":"presentation, I think it's you"},{"speaker":"Carl Widger","startTime":713.549,"endTime":717.719,"body":"know, if you haven't seen Andy's"},{"speaker":"Carl Widger","startTime":717.719,"endTime":721.859,"body":"wall of worry, I think it's a"},{"speaker":"Carl Widger","startTime":717.719,"endTime":721.859,"body":"really good chart to use to just"},{"speaker":"Carl Widger","startTime":721.889,"endTime":725.039,"body":"demonstrate to people that look,"},{"speaker":"Carl Widger","startTime":721.889,"endTime":725.039,"body":"this time isn't different."},{"speaker":"Carl Widger","startTime":725.879,"endTime":729.539,"body":"volatility has always been"},{"speaker":"Carl Widger","startTime":725.879,"endTime":729.539,"body":"around, we may have been in a"},{"speaker":"Carl Widger","startTime":729.809,"endTime":733.919,"body":"couple of years where volatility"},{"speaker":"Carl Widger","startTime":729.809,"endTime":733.919,"body":"seems to be the norm. That's"},{"speaker":"Carl Widger","startTime":733.919,"endTime":737.819,"body":"fine. You know, it's you just"},{"speaker":"Carl Widger","startTime":733.919,"endTime":737.819,"body":"got to sit in your hands. And"},{"speaker":"Carl Widger","startTime":737.819,"endTime":740.699,"body":"you just got to ride this out."},{"speaker":"Carl Widger","startTime":737.819,"endTime":740.699,"body":"But it's that's much, much"},{"speaker":"Carl Widger","startTime":740.699,"endTime":743.609,"body":"easier said than done. And we"},{"speaker":"Carl Widger","startTime":740.699,"endTime":743.609,"body":"got to understand and appreciate"},{"speaker":"Carl Widger","startTime":743.609,"endTime":746.489,"body":"that there are human emotions."},{"speaker":"Carl Widger","startTime":743.609,"endTime":746.489,"body":"And I suppose part of the video"},{"speaker":"Carl Widger","startTime":746.489,"endTime":749.519,"body":"or the end of the video was for"},{"speaker":"Carl Widger","startTime":746.489,"endTime":749.519,"body":"me to say, look, please don't"},{"speaker":"Carl Widger","startTime":749.519,"endTime":752.969,"body":"sit and suffer in silence. do"},{"speaker":"Carl Widger","startTime":749.519,"endTime":752.969,"body":"reach out because we can just"},{"speaker":"Carl Widger","startTime":752.969,"endTime":756.959,"body":"have a conversation and chatter"},{"speaker":"Carl Widger","startTime":752.969,"endTime":756.959,"body":"through and as we always know"},{"speaker":"Carl Widger","startTime":756.959,"endTime":760.349,"body":"that, you know, talking is good,"},{"speaker":"Carl Widger","startTime":756.959,"endTime":760.349,"body":"and you might feel better"},{"speaker":"Carl Widger","startTime":760.349,"endTime":763.439,"body":"afterwards. Alan, what have you"},{"speaker":"Carl Widger","startTime":760.349,"endTime":763.439,"body":"got to add to this?"},{"speaker":"Alan Smith","startTime":765.12,"endTime":769.5,"body":"The challenge we've"},{"speaker":"Alan Smith","startTime":765.12,"endTime":769.5,"body":"got is, in my experience, this"},{"speaker":"Alan Smith","startTime":769.5,"endTime":774.39,"body":"isn't really about markets, and"},{"speaker":"Alan Smith","startTime":769.5,"endTime":774.39,"body":"volatility. That's the issue. We"},{"speaker":"Alan Smith","startTime":774.39,"endTime":778.26,"body":"had something written on a"},{"speaker":"Alan Smith","startTime":774.39,"endTime":778.26,"body":"similar vein, which we send a"},{"speaker":"Alan Smith","startTime":778.26,"endTime":781.29,"body":"monthly newsletter so it to all"},{"speaker":"Alan Smith","startTime":778.26,"endTime":781.29,"body":"our existing clients. And it was"},{"speaker":"Alan Smith","startTime":781.32,"endTime":783.78,"body":"an we'd have one written which"},{"speaker":"Alan Smith","startTime":781.32,"endTime":783.78,"body":"is which has a similar message,"},{"speaker":"Alan Smith","startTime":783.78,"endTime":788.16,"body":"don't worry about it. If you if"},{"speaker":"Alan Smith","startTime":783.78,"endTime":788.16,"body":"you're a Jewish family living in"},{"speaker":"Alan Smith","startTime":788.16,"endTime":792.6,"body":"London with close members of of"},{"speaker":"Alan Smith","startTime":788.16,"endTime":792.6,"body":"your family living in Israel,"},{"speaker":"Alan Smith","startTime":792.63,"endTime":796.32,"body":"they It reminds me a little bit"},{"speaker":"Alan Smith","startTime":792.63,"endTime":796.32,"body":"entirely different bus but"},{"speaker":"Alan Smith","startTime":796.32,"endTime":799.98,"body":"similar kind of sentiment when"},{"speaker":"Alan Smith","startTime":796.32,"endTime":799.98,"body":"COVID hit. And people say don't"},{"speaker":"Alan Smith","startTime":799.98,"endTime":801.42,"body":"worry about the markets to"},{"speaker":"Alan Smith","startTime":799.98,"endTime":801.42,"body":"wherever you are because people,"},{"speaker":"Alan Smith","startTime":801.54,"endTime":804.57,"body":"people saying I don't give a"},{"speaker":"Alan Smith","startTime":801.54,"endTime":804.57,"body":"shit about the markets. I give a"},{"speaker":"Alan Smith","startTime":804.57,"endTime":807.42,"body":"shit about staying alive, and"},{"speaker":"Alan Smith","startTime":804.57,"endTime":807.42,"body":"making sure that my parents or"},{"speaker":"Alan Smith","startTime":807.42,"endTime":810.39,"body":"grandparents are okay. And I"},{"speaker":"Alan Smith","startTime":807.42,"endTime":810.39,"body":"think we've got to be careful in"},{"speaker":"Alan Smith","startTime":810.39,"endTime":813.69,"body":"this. I'm saying Don't worry,"},{"speaker":"Alan Smith","startTime":810.39,"endTime":813.69,"body":"don't worry. I'm not I wasn't"},{"speaker":"Alan Smith","startTime":813.69,"endTime":817.68,"body":"even thinking about it. But my"},{"speaker":"Alan Smith","startTime":813.69,"endTime":817.68,"body":"mother lives in Tel Aviv or"},{"speaker":"Alan Smith","startTime":817.68,"endTime":820.32,"body":"something that that and I think"},{"speaker":"Alan Smith","startTime":817.68,"endTime":820.32,"body":"that's the, you know, we're in"},{"speaker":"Alan Smith","startTime":820.32,"endTime":823.95,"body":"London, we've got a lot of"},{"speaker":"Alan Smith","startTime":820.32,"endTime":823.95,"body":"Jewish clients. And it's an"},{"speaker":"Alan Smith","startTime":823.95,"endTime":826.89,"body":"issue. And you're right, Nick,"},{"speaker":"Alan Smith","startTime":823.95,"endTime":826.89,"body":"it's tricky. Because as much as"},{"speaker":"Alan Smith","startTime":826.89,"endTime":830.25,"body":"I've tried, I don't really know"},{"speaker":"Alan Smith","startTime":826.89,"endTime":830.25,"body":"the full history of a conflict,"},{"speaker":"Alan Smith","startTime":830.25,"endTime":832.77,"body":"it's effectively been going on"},{"speaker":"Alan Smith","startTime":830.25,"endTime":832.77,"body":"for maybe hundreds or even 1000s"},{"speaker":"Alan Smith","startTime":832.77,"endTime":837.6,"body":"of years in one way or another."},{"speaker":"Alan Smith","startTime":832.77,"endTime":837.6,"body":"All we've done thus far in"},{"speaker":"Alan Smith","startTime":837.6,"endTime":840.39,"body":"response to this because I think"},{"speaker":"Alan Smith","startTime":837.6,"endTime":840.39,"body":"it's dangerous to completely"},{"speaker":"Alan Smith","startTime":840.39,"endTime":844.08,"body":"ignore it and pretend nothing's"},{"speaker":"Alan Smith","startTime":840.39,"endTime":844.08,"body":"happening. We, for our client"},{"speaker":"Alan Smith","startTime":844.08,"endTime":846.93,"body":"newsletter, which went out last"},{"speaker":"Alan Smith","startTime":844.08,"endTime":846.93,"body":"week, I just did a cover note."},{"speaker":"Alan Smith","startTime":847.11,"endTime":850.2,"body":"And it was very it was it was"},{"speaker":"Alan Smith","startTime":847.11,"endTime":850.2,"body":"referencing it is referencing"},{"speaker":"Alan Smith","startTime":850.2,"endTime":856.05,"body":"the terrible events are going on"},{"speaker":"Alan Smith","startTime":850.2,"endTime":856.05,"body":"in the Middle East. I said, you"},{"speaker":"Alan Smith","startTime":856.05,"endTime":858.33,"body":"know, the only words of comfort"},{"speaker":"Alan Smith","startTime":856.05,"endTime":858.33,"body":"I can offer is those famous"},{"speaker":"Alan Smith","startTime":858.33,"endTime":862.23,"body":"words. this too shall pass. And"},{"speaker":"Alan Smith","startTime":858.33,"endTime":862.23,"body":"hopefully very soon. And if"},{"speaker":"Alan Smith","startTime":862.23,"endTime":867.15,"body":"anyone wants to speak about it,"},{"speaker":"Alan Smith","startTime":862.23,"endTime":867.15,"body":"then feel free to have a"},{"speaker":"Alan Smith","startTime":867.15,"endTime":870.21,"body":"conversation with us. But that's"},{"speaker":"Alan Smith","startTime":867.15,"endTime":870.21,"body":"all that the point that makes"},{"speaker":"Alan Smith","startTime":870.21,"endTime":873.09,"body":"making is tricky. And it's"},{"speaker":"Alan Smith","startTime":870.21,"endTime":873.09,"body":"difficult, but we shouldn't"},{"speaker":"Alan Smith","startTime":873.09,"endTime":875.49,"body":"ignore it. Do you have anything"},{"speaker":"Alan Smith","startTime":873.09,"endTime":875.49,"body":"on this? And you'll have similar"},{"speaker":"Alan Smith","startTime":875.49,"endTime":878.43,"body":"situations similar clients to"},{"speaker":"Alan Smith","startTime":875.49,"endTime":878.43,"body":"me. Yeah,"},{"speaker":"Andy Hart","startTime":878.49,"endTime":881.61,"body":"I'm, I obviously live"},{"speaker":"Andy Hart","startTime":878.49,"endTime":881.61,"body":"in northwest London. So I've got"},{"speaker":"Andy Hart","startTime":881.61,"endTime":885.36,"body":"lots of friends, clients"},{"speaker":"Andy Hart","startTime":881.61,"endTime":885.36,"body":"connections that obviously have"},{"speaker":"Andy Hart","startTime":885.36,"endTime":887.67,"body":"family that are in Israel and"},{"speaker":"Andy Hart","startTime":885.36,"endTime":887.67,"body":"various other things. So I've"},{"speaker":"Andy Hart","startTime":887.67,"endTime":891.93,"body":"become very much more aware of"},{"speaker":"Andy Hart","startTime":887.67,"endTime":891.93,"body":"it. I haven't led in any way the"},{"speaker":"Andy Hart","startTime":891.93,"endTime":895.29,"body":"sort of financial stock market"},{"speaker":"Andy Hart","startTime":891.93,"endTime":895.29,"body":"element to it. But yeah, I've"},{"speaker":"Andy Hart","startTime":895.29,"endTime":898.77,"body":"become a lot more aware of it."},{"speaker":"Andy Hart","startTime":895.29,"endTime":898.77,"body":"But again, I echo what you both"},{"speaker":"Andy Hart","startTime":898.77,"endTime":903.18,"body":"the voice said Allah Nik it's"},{"speaker":"Andy Hart","startTime":898.77,"endTime":903.18,"body":"somewhat tricky to navigate. But"},{"speaker":"Andy Hart","startTime":903.21,"endTime":908.46,"body":"yeah, we didn't all began in a"},{"speaker":"Andy Hart","startTime":903.21,"endTime":908.46,"body":"in a tough situation. Back to"},{"speaker":"Andy Hart","startTime":908.46,"endTime":909.03,"body":"your boss."},{"speaker":"Nick Lincoln","startTime":909.569,"endTime":911.099,"body":"Okay, just close"},{"speaker":"Nick Lincoln","startTime":909.569,"endTime":911.099,"body":"on that. I mean, obviously our"},{"speaker":"Nick Lincoln","startTime":911.099,"endTime":915.239,"body":"thoughts go out to everybody"},{"speaker":"Nick Lincoln","startTime":911.099,"endTime":915.239,"body":"involved in this in that mess on"},{"speaker":"Nick Lincoln","startTime":915.239,"endTime":920.039,"body":"both sides. It's not not great."},{"speaker":"Nick Lincoln","startTime":915.239,"endTime":920.039,"body":"And I've I am finding the"},{"speaker":"Nick Lincoln","startTime":920.039,"endTime":922.799,"body":"sideways market I think is a"},{"speaker":"Nick Lincoln","startTime":920.039,"endTime":922.799,"body":"bigger we've had a lot we're in"},{"speaker":"Nick Lincoln","startTime":922.799,"endTime":926.069,"body":"a long sideways market. We have"},{"speaker":"Nick Lincoln","startTime":922.799,"endTime":926.069,"body":"talked about this before, but I"},{"speaker":"Nick Lincoln","startTime":926.069,"endTime":928.859,"body":"find this harder to navigate"},{"speaker":"Nick Lincoln","startTime":926.069,"endTime":928.859,"body":"with clients actually, than a"},{"speaker":"Nick Lincoln","startTime":928.859,"endTime":931.169,"body":"precipitous decline because"},{"speaker":"Nick Lincoln","startTime":928.859,"endTime":931.169,"body":"they're kind of expecting you to"},{"speaker":"Nick Lincoln","startTime":931.169,"endTime":934.019,"body":"be on the clients are expecting"},{"speaker":"Nick Lincoln","startTime":931.169,"endTime":934.019,"body":"us to come to them when that"},{"speaker":"Nick Lincoln","startTime":934.019,"endTime":936.569,"body":"happens. And they know what"},{"speaker":"Nick Lincoln","startTime":934.019,"endTime":936.569,"body":"we're going to say make it but"},{"speaker":"Nick Lincoln","startTime":936.569,"endTime":939.299,"body":"when you have two sisters, it"},{"speaker":"Nick Lincoln","startTime":936.569,"endTime":939.299,"body":"just does. It's not going"},{"speaker":"Nick Lincoln","startTime":939.299,"endTime":941.699,"body":"anywhere. And I've been in"},{"speaker":"Nick Lincoln","startTime":939.299,"endTime":941.699,"body":"stasis now for like three years"},{"speaker":"Nick Lincoln","startTime":941.699,"endTime":944.249,"body":"it feels like and you know,"},{"speaker":"Nick Lincoln","startTime":941.699,"endTime":944.249,"body":"people taking money out of their"},{"speaker":"Nick Lincoln","startTime":944.249,"endTime":947.369,"body":"portfolios, you know that they"},{"speaker":"Nick Lincoln","startTime":944.249,"endTime":947.369,"body":"aren't they are going down and"},{"speaker":"Nick Lincoln","startTime":947.369,"endTime":951.329,"body":"just just gradually is this it's"},{"speaker":"Nick Lincoln","startTime":947.369,"endTime":951.329,"body":"like a slow demise. So I'm sure"},{"speaker":"Nick Lincoln","startTime":951.329,"endTime":954.149,"body":"obviously we'll come out of it"},{"speaker":"Nick Lincoln","startTime":951.329,"endTime":954.149,"body":"at some stage. But current world"},{"speaker":"Nick Lincoln","startTime":954.149,"endTime":957.809,"body":"events aren't helping. Oh, yeah,"},{"speaker":"Nick Lincoln","startTime":954.149,"endTime":957.809,"body":"right. Our good friend, the"},{"speaker":"Nick Lincoln","startTime":957.839,"endTime":962.069,"body":"huckster watch. Sham, bankrupt"},{"speaker":"Nick Lincoln","startTime":957.839,"endTime":962.069,"body":"fraud."},{"speaker":"Carl Widger","startTime":996.429,"endTime":999.459,"body":"Sorry, yes, indeed."},{"speaker":"Carl Widger","startTime":996.429,"endTime":999.459,"body":"Yeah, sure. Why did you call"},{"speaker":"Carl Widger","startTime":999.459,"endTime":1004.409,"body":"them shut? Sham scam, bankrupt"},{"speaker":"Carl Widger","startTime":999.459,"endTime":1004.409,"body":"rule, whatever you will, yeah,"},{"speaker":"Carl Widger","startTime":1004.409,"endTime":1012.569,"body":"the FTX trial happened. And in"},{"speaker":"Carl Widger","startTime":1004.409,"endTime":1012.569,"body":"four hours, a jury of lay people"},{"speaker":"Carl Widger","startTime":1012.9889999999999,"endTime":1018.299,"body":"said this guy is a fraudster and"},{"speaker":"Carl Widger","startTime":1012.9889999999999,"endTime":1018.299,"body":"convicted him on I think 19"},{"speaker":"Carl Widger","startTime":1018.299,"endTime":1023.189,"body":"counts of fraud. It took Silicon"},{"speaker":"Carl Widger","startTime":1018.299,"endTime":1023.189,"body":"Valley, how many years five or"},{"speaker":"Carl Widger","startTime":1023.189,"endTime":1027.809,"body":"six years to kind of see through"},{"speaker":"Carl Widger","startTime":1023.189,"endTime":1027.809,"body":"this dude. So how he got away"},{"speaker":"Carl Widger","startTime":1027.839,"endTime":1032.009,"body":"with what he was doing for so"},{"speaker":"Carl Widger","startTime":1027.839,"endTime":1032.009,"body":"long is an absolute and utter"},{"speaker":"Carl Widger","startTime":1032.039,"endTime":1036.209,"body":"mystery. It just goes to show"},{"speaker":"Carl Widger","startTime":1032.039,"endTime":1036.209,"body":"that you know, you got to take"},{"speaker":"Carl Widger","startTime":1036.209,"endTime":1041.189,"body":"with a bucket of salt. These"},{"speaker":"Carl Widger","startTime":1036.209,"endTime":1041.189,"body":"large are these star fund"},{"speaker":"Carl Widger","startTime":1041.189,"endTime":1045.419,"body":"managers, you know, Star people"},{"speaker":"Carl Widger","startTime":1041.189,"endTime":1045.419,"body":"in various industries, you know,"},{"speaker":"Carl Widger","startTime":1045.419,"endTime":1049.559,"body":"you got to look under the"},{"speaker":"Carl Widger","startTime":1045.419,"endTime":1049.559,"body":"bonnet. And I think Sequoia"},{"speaker":"Carl Widger","startTime":1049.589,"endTime":1052.799,"body":"Capital who are like the biggest"},{"speaker":"Carl Widger","startTime":1049.589,"endTime":1052.799,"body":"P firm out there, you know, they"},{"speaker":"Carl Widger","startTime":1052.799,"endTime":1058.289,"body":"got cash really, really badly."},{"speaker":"Carl Widger","startTime":1052.799,"endTime":1058.289,"body":"And apparently, they invested in"},{"speaker":"Carl Widger","startTime":1058.289,"endTime":1062.6689999999999,"body":"COVID. Towards the end, they"},{"speaker":"Carl Widger","startTime":1058.289,"endTime":1062.6689999999999,"body":"invested hundreds of millions."},{"speaker":"Carl Widger","startTime":1062.999,"endTime":1066.869,"body":"And it was over a zoom call. And"},{"speaker":"Carl Widger","startTime":1062.999,"endTime":1066.869,"body":"apparently the chat within the"},{"speaker":"Carl Widger","startTime":1066.869,"endTime":1070.859,"body":"Sequoia people on that Zoom call"},{"speaker":"Carl Widger","startTime":1066.869,"endTime":1070.859,"body":"was like oh my god, this guy is"},{"speaker":"Carl Widger","startTime":1070.859,"endTime":1073.589,"body":"amazing. I'm 10 out of 10 and,"},{"speaker":"Carl Widger","startTime":1070.859,"endTime":1073.589,"body":"and all this kind of stuff. I"},{"speaker":"Carl Widger","startTime":1073.589,"endTime":1076.379,"body":"read a lot of articles over the"},{"speaker":"Carl Widger","startTime":1073.589,"endTime":1076.379,"body":"weekend on this. So just"},{"speaker":"Carl Widger","startTime":1076.379,"endTime":1082.349,"body":"incredible stuff. I look it's"},{"speaker":"Carl Widger","startTime":1076.379,"endTime":1082.349,"body":"good to have our own biases"},{"speaker":"Carl Widger","startTime":1082.349,"endTime":1086.279,"body":"reconfirmed I suppose, but"},{"speaker":"Carl Widger","startTime":1082.349,"endTime":1086.279,"body":"always invest in what has always"},{"speaker":"Carl Widger","startTime":1086.279,"endTime":1089.759,"body":"worked. And you know, the next"},{"speaker":"Carl Widger","startTime":1086.279,"endTime":1089.759,"body":"best thing and the new shiny"},{"speaker":"Carl Widger","startTime":1089.759,"endTime":1093.239,"body":"thing is not necessarily always"},{"speaker":"Carl Widger","startTime":1089.759,"endTime":1093.239,"body":"what it's cracked up to be. So"},{"speaker":"Carl Widger","startTime":1093.239,"endTime":1097.199,"body":"tread carefully. Yeah, that guy"},{"speaker":"Carl Widger","startTime":1093.239,"endTime":1097.199,"body":"is gonna go down for a long"},{"speaker":"Carl Widger","startTime":1097.199,"endTime":1100.019,"body":"time. I think there's gonna be a"},{"speaker":"Carl Widger","startTime":1097.199,"endTime":1100.019,"body":"Netflix documentary, it's gonna"},{"speaker":"Carl Widger","startTime":1100.019,"endTime":1102.749,"body":"be awesome, because there was"},{"speaker":"Carl Widger","startTime":1100.019,"endTime":1102.749,"body":"crazy stuff going on in there."},{"speaker":"Carl Widger","startTime":1103.709,"endTime":1104.4289999999999,"body":"And he,"},{"speaker":"Andy Hart","startTime":1105.06,"endTime":1107.79,"body":"I'm pretty mesmerized"},{"speaker":"Andy Hart","startTime":1105.06,"endTime":1107.79,"body":"by the story. I find it"},{"speaker":"Andy Hart","startTime":1107.79,"endTime":1111.45,"body":"fascinating. And the numbers are"},{"speaker":"Andy Hart","startTime":1107.79,"endTime":1111.45,"body":"involved the mind blowing, it's"},{"speaker":"Andy Hart","startTime":1111.45,"endTime":1116.43,"body":"not as clear cut as a straight"},{"speaker":"Andy Hart","startTime":1111.45,"endTime":1116.43,"body":"up fraud as we think. I think"},{"speaker":"Andy Hart","startTime":1116.46,"endTime":1120.09,"body":"all in all said and done. Maybe"},{"speaker":"Andy Hart","startTime":1116.46,"endTime":1120.09,"body":"nobody's going to lose money"},{"speaker":"Andy Hart","startTime":1120.3,"endTime":1120.57,"body":"again."},{"speaker":"Alan Smith","startTime":1123.389,"endTime":1126.4189999999999,"body":"It's nice to be in"},{"speaker":"Alan Smith","startTime":1123.389,"endTime":1126.4189999999999,"body":"the pound. But yeah, so"},{"speaker":"Andy Hart","startTime":1127.68,"endTime":1131.04,"body":"this, this guy did"},{"speaker":"Andy Hart","startTime":1127.68,"endTime":1131.04,"body":"something like 300 private"},{"speaker":"Andy Hart","startTime":1131.04,"endTime":1134.58,"body":"equity investments in two years."},{"speaker":"Andy Hart","startTime":1131.04,"endTime":1134.58,"body":"It's staggering, just that"},{"speaker":"Andy Hart","startTime":1134.85,"endTime":1140.37,"body":"alone. And weirdly, nobody, that"},{"speaker":"Andy Hart","startTime":1134.85,"endTime":1140.37,"body":"nobody will maybe lose money,"},{"speaker":"Andy Hart","startTime":1140.3999999999999,"endTime":1144.93,"body":"which is just so this fraud is a"},{"speaker":"Andy Hart","startTime":1140.3999999999999,"endTime":1144.93,"body":"is unique. It's not like"},{"speaker":"Andy Hart","startTime":1144.93,"endTime":1149.04,"body":"anything else we've seen before."},{"speaker":"Andy Hart","startTime":1144.93,"endTime":1149.04,"body":"And the guy is incredibly smart"},{"speaker":"Andy Hart","startTime":1149.04,"endTime":1151.2,"body":"and intelligent. Obviously he"},{"speaker":"Andy Hart","startTime":1149.04,"endTime":1151.2,"body":"was doing the wrong thing."},{"speaker":"Andy Hart","startTime":1151.26,"endTime":1153.87,"body":"That's another story. But"},{"speaker":"Andy Hart","startTime":1151.26,"endTime":1153.87,"body":"putting this guy behind bars for"},{"speaker":"Andy Hart","startTime":1153.87,"endTime":1157.4099999999999,"body":"100 years is not good for"},{"speaker":"Andy Hart","startTime":1153.87,"endTime":1157.4099999999999,"body":"humanity. But that's my point on"},{"speaker":"Andy Hart","startTime":1157.4099999999999,"endTime":1158.28,"body":"it over to you, Alan."},{"speaker":"Alan Smith","startTime":1161.58,"endTime":1163.83,"body":"There nothing"},{"speaker":"Alan Smith","startTime":1161.58,"endTime":1163.83,"body":"really, to add to it. It just"},{"speaker":"Alan Smith","startTime":1163.83,"endTime":1166.62,"body":"it's just interesting. Just"},{"speaker":"Alan Smith","startTime":1163.83,"endTime":1166.62,"body":"linking this to something else."},{"speaker":"Alan Smith","startTime":1166.62,"endTime":1170.19,"body":"As you know, we'll maybe talk"},{"speaker":"Alan Smith","startTime":1166.62,"endTime":1170.19,"body":"about a future thing. But I saw"},{"speaker":"Alan Smith","startTime":1171.51,"endTime":1174.8999999999999,"body":"Morgan Housel on your Morgan"},{"speaker":"Alan Smith","startTime":1171.51,"endTime":1174.8999999999999,"body":"Housel as you've got a new book"},{"speaker":"Alan Smith","startTime":1174.8999999999999,"endTime":1178.56,"body":"out, he's on the Tim Ferriss"},{"speaker":"Alan Smith","startTime":1174.8999999999999,"endTime":1178.56,"body":"podcast recently. This is not my"},{"speaker":"Alan Smith","startTime":1178.56,"endTime":1181.17,"body":"culture corner. But the"},{"speaker":"Alan Smith","startTime":1178.56,"endTime":1181.17,"body":"interesting thing was, he talks"},{"speaker":"Alan Smith","startTime":1181.17,"endTime":1183.6599999999999,"body":"about things that never change."},{"speaker":"Alan Smith","startTime":1181.17,"endTime":1183.6599999999999,"body":"And all the things that do"},{"speaker":"Alan Smith","startTime":1183.6599999999999,"endTime":1186.78,"body":"change things that don't change."},{"speaker":"Alan Smith","startTime":1183.6599999999999,"endTime":1186.78,"body":"And this is just one this"},{"speaker":"Alan Smith","startTime":1186.78,"endTime":1188.58,"body":"there's always going to be"},{"speaker":"Alan Smith","startTime":1186.78,"endTime":1188.58,"body":"fraud, there's always going to"},{"speaker":"Alan Smith","startTime":1188.58,"endTime":1192.12,"body":"be scams and Ponzi schemes. So"},{"speaker":"Alan Smith","startTime":1188.58,"endTime":1192.12,"body":"this is yet another one and"},{"speaker":"Alan Smith","startTime":1192.12,"endTime":1194.31,"body":"they'll be another one next year"},{"speaker":"Alan Smith","startTime":1192.12,"endTime":1194.31,"body":"or the year after or something"},{"speaker":"Alan Smith","startTime":1194.31,"endTime":1196.98,"body":"and human beings will be"},{"speaker":"Alan Smith","startTime":1194.31,"endTime":1196.98,"body":"attracted to it. You're right. I"},{"speaker":"Alan Smith","startTime":1196.98,"endTime":1199.6499999999999,"body":"heard about the Sequoia Capital"},{"speaker":"Alan Smith","startTime":1196.98,"endTime":1199.6499999999999,"body":"guy so So honestly, I've"},{"speaker":"Alan Smith","startTime":1199.6499999999999,"endTime":1202.44,"body":"followed them on podcasts and"},{"speaker":"Alan Smith","startTime":1199.6499999999999,"endTime":1202.44,"body":"things over the years smartest"},{"speaker":"Alan Smith","startTime":1202.44,"endTime":1205.26,"body":"people on the planet. And"},{"speaker":"Alan Smith","startTime":1202.44,"endTime":1205.26,"body":"they're on that Zoom famous zoom"},{"speaker":"Alan Smith","startTime":1205.26,"endTime":1207.81,"body":"call you talking about Kanye and"},{"speaker":"Alan Smith","startTime":1205.26,"endTime":1207.81,"body":"this and this dude was playing"},{"speaker":"Alan Smith","startTime":1207.81,"endTime":1211.17,"body":"Sam back and frog fried was"},{"speaker":"Alan Smith","startTime":1207.81,"endTime":1211.17,"body":"playing some video games or"},{"speaker":"Alan Smith","startTime":1211.17,"endTime":1213.42,"body":"something on another screen"},{"speaker":"Alan Smith","startTime":1211.17,"endTime":1213.42,"body":"whilst he's having this pitch"},{"speaker":"Alan Smith","startTime":1213.42,"endTime":1217.83,"body":"call to the people at Sequoia"},{"speaker":"Alan Smith","startTime":1213.42,"endTime":1217.83,"body":"that you might I would take that"},{"speaker":"Alan Smith","startTime":1217.83,"endTime":1220.23,"body":"as being God this guy, this guy"},{"speaker":"Alan Smith","startTime":1217.83,"endTime":1220.23,"body":"is rude. He's not paying"},{"speaker":"Alan Smith","startTime":1220.23,"endTime":1223.29,"body":"attention to us. He's pitching"},{"speaker":"Alan Smith","startTime":1220.23,"endTime":1223.29,"body":"us for money, but they taught me"},{"speaker":"Alan Smith","startTime":1223.32,"endTime":1226.2,"body":"how clever this guy is. He's"},{"speaker":"Alan Smith","startTime":1223.32,"endTime":1226.2,"body":"playing video games whilst"},{"speaker":"Alan Smith","startTime":1226.2,"endTime":1228.6,"body":"pitching to us. He must be the"},{"speaker":"Alan Smith","startTime":1226.2,"endTime":1228.6,"body":"smartest guy ever. Let's"},{"speaker":"Andy Hart","startTime":1229.4099999999999,"endTime":1231.78,"body":"get all right This"},{"speaker":"Andy Hart","startTime":1229.4099999999999,"endTime":1231.78,"body":"semester, it's another power,"},{"speaker":"Andy Hart","startTime":1231.81,"endTime":1233.76,"body":"it's another power move, don't"},{"speaker":"Andy Hart","startTime":1231.81,"endTime":1233.76,"body":"give a shit and then somebody"},{"speaker":"Andy Hart","startTime":1233.76,"endTime":1236.94,"body":"comes towards you, you pull away"},{"speaker":"Andy Hart","startTime":1233.76,"endTime":1236.94,"body":"and like don't care and people"},{"speaker":"Alan Smith","startTime":1236.94,"endTime":1238.86,"body":"want you more about"},{"speaker":"Alan Smith","startTime":1236.94,"endTime":1238.86,"body":"your money if it's not you"},{"speaker":"Alan Smith","startTime":1238.86,"endTime":1241.62,"body":"someone else or invest in it, so"},{"speaker":"Alan Smith","startTime":1238.86,"endTime":1241.62,"body":"they're all piling it No, there"},{"speaker":"Alan Smith","startTime":1241.62,"endTime":1246.6299999999999,"body":"is an amazing levels and layers"},{"speaker":"Alan Smith","startTime":1241.62,"endTime":1246.6299999999999,"body":"of human, human. It's all about"},{"speaker":"Alan Smith","startTime":1246.6299999999999,"endTime":1248.58,"body":"human beings. That's always"},{"speaker":"Alan Smith","startTime":1246.6299999999999,"endTime":1248.58,"body":"interest."},{"speaker":"Carl Widger","startTime":1248.61,"endTime":1253.23,"body":"I was a, there was"},{"speaker":"Carl Widger","startTime":1248.61,"endTime":1253.23,"body":"one comment made that he had"},{"speaker":"Carl Widger","startTime":1253.26,"endTime":1256.98,"body":"only three directors in the"},{"speaker":"Carl Widger","startTime":1253.26,"endTime":1256.98,"body":"business, and he couldn't"},{"speaker":"Carl Widger","startTime":1256.98,"endTime":1261.3899999999999,"body":"remember the names of two of"},{"speaker":"Carl Widger","startTime":1256.98,"endTime":1261.3899999999999,"body":"them. And that the prerequisite"},{"speaker":"Carl Widger","startTime":1261.3899999999999,"endTime":1264.54,"body":"for being a director of the firm"},{"speaker":"Carl Widger","startTime":1261.3899999999999,"endTime":1264.54,"body":"was that you were DocuSign at"},{"speaker":"Carl Widger","startTime":1264.57,"endTime":1266.31,"body":"3am in the morning, right?"},{"speaker":"Andy Hart","startTime":1266.819,"endTime":1268.829,"body":"This was the same"},{"speaker":"Andy Hart","startTime":1266.819,"endTime":1268.829,"body":"thing about the investments, all"},{"speaker":"Andy Hart","startTime":1268.829,"endTime":1270.959,"body":"he was doing was DocuSign and"},{"speaker":"Andy Hart","startTime":1268.829,"endTime":1270.959,"body":"the whole frickin time anyone"},{"speaker":"Andy Hart","startTime":1270.959,"endTime":1273.239,"body":"who's ever done investments know"},{"speaker":"Andy Hart","startTime":1270.959,"endTime":1273.239,"body":"that DocuSign is the thing with"},{"speaker":"Andy Hart","startTime":1273.239,"endTime":1276.899,"body":"with raising money. All he was"},{"speaker":"Andy Hart","startTime":1273.239,"endTime":1276.899,"body":"doing was on DocuSign 24 hours a"},{"speaker":"Andy Hart","startTime":1276.899,"endTime":1280.049,"body":"day 300 whistles in two years."},{"speaker":"Andy Hart","startTime":1276.899,"endTime":1280.049,"body":"relation,"},{"speaker":"Carl Widger","startTime":1280.11,"endTime":1281.79,"body":"where's the"},{"speaker":"Carl Widger","startTime":1280.11,"endTime":1281.79,"body":"regulation? And where was the"},{"speaker":"Carl Widger","startTime":1281.79,"endTime":1284.61,"body":"due diligence, you know, like, I"},{"speaker":"Carl Widger","startTime":1281.79,"endTime":1284.61,"body":"mean, if we want to appoint a"},{"speaker":"Carl Widger","startTime":1284.61,"endTime":1287.1,"body":"director to Metis Ireland, we"},{"speaker":"Carl Widger","startTime":1284.61,"endTime":1287.1,"body":"have to go through all this big"},{"speaker":"Carl Widger","startTime":1287.1,"endTime":1291.06,"body":"huge process with the central"},{"speaker":"Carl Widger","startTime":1287.1,"endTime":1291.06,"body":"bank, UBS, Norway, there's"},{"speaker":"Carl Widger","startTime":1291.09,"endTime":1294.78,"body":"there's a process this guy"},{"speaker":"Carl Widger","startTime":1291.09,"endTime":1294.78,"body":"couldn't even remember the names"},{"speaker":"Carl Widger","startTime":1294.78,"endTime":1298.1399999999999,"body":"of the two directors like I mean"},{"speaker":"Carl Widger","startTime":1294.78,"endTime":1298.1399999999999,"body":"just crazy stuff. And there's"},{"speaker":"Carl Widger","startTime":1298.17,"endTime":1302.43,"body":"stories about his CFO I think"},{"speaker":"Carl Widger","startTime":1298.17,"endTime":1302.43,"body":"was didn't even have an office."},{"speaker":"Carl Widger","startTime":1302.43,"endTime":1305.3999999999999,"body":"It was a floor in a building"},{"speaker":"Carl Widger","startTime":1302.43,"endTime":1305.3999999999999,"body":"that didn't exist. Anyway, crazy"},{"speaker":"Carl Widger","startTime":1305.3999999999999,"endTime":1306.48,"body":"stuff. I"},{"speaker":"Alan Smith","startTime":1306.479,"endTime":1308.819,"body":"can tell you this,"},{"speaker":"Alan Smith","startTime":1306.479,"endTime":1308.819,"body":"there'll be more to come out in"},{"speaker":"Alan Smith","startTime":1308.819,"endTime":1312.569,"body":"other stories as yet not"},{"speaker":"Alan Smith","startTime":1308.819,"endTime":1312.569,"body":"revealed. This was a story of"},{"speaker":"Alan Smith","startTime":1312.569,"endTime":1316.589,"body":"the ages of the zero interest"},{"speaker":"Alan Smith","startTime":1312.569,"endTime":1316.589,"body":"rate policy of the of COVID, of"},{"speaker":"Alan Smith","startTime":1316.589,"endTime":1322.379,"body":"lockdown, of just of stimulation"},{"speaker":"Alan Smith","startTime":1316.589,"endTime":1322.379,"body":"money of just a whole series. It"},{"speaker":"Alan Smith","startTime":1322.379,"endTime":1326.399,"body":"was a perfect storm of crazy. So"},{"speaker":"Alan Smith","startTime":1322.379,"endTime":1326.399,"body":"Lipner were living through it at"},{"speaker":"Alan Smith","startTime":1326.399,"endTime":1329.279,"body":"the time and everyone being"},{"speaker":"Alan Smith","startTime":1326.399,"endTime":1329.279,"body":"absolute shambles. Yeah, it was"},{"speaker":"Alan Smith","startTime":1329.279,"endTime":1332.129,"body":"just crazy. And I'm convinced as"},{"speaker":"Alan Smith","startTime":1329.279,"endTime":1332.129,"body":"other things are yet to be"},{"speaker":"Alan Smith","startTime":1332.129,"endTime":1335.099,"body":"revealed in that hole in the"},{"speaker":"Alan Smith","startTime":1332.129,"endTime":1335.099,"body":"crypto world and NF T's"},{"speaker":"Alan Smith","startTime":1335.099,"endTime":1338.489,"body":"associated kind of it"},{"speaker":"Alan Smith","startTime":1335.099,"endTime":1338.489,"body":"businesses. So"},{"speaker":"Carl Widger","startTime":1338.76,"endTime":1340.86,"body":"NF Ts, there's a"},{"speaker":"Carl Widger","startTime":1338.76,"endTime":1340.86,"body":"there's an hour long"},{"speaker":"Carl Widger","startTime":1340.86,"endTime":1342.78,"body":"conversation for another day,"},{"speaker":"Carl Widger","startTime":1340.86,"endTime":1342.78,"body":"anyway."},{"speaker":"Nick Lincoln","startTime":1344.82,"endTime":1347.6399999999999,"body":"Okay, well, let's"},{"speaker":"Nick Lincoln","startTime":1344.82,"endTime":1347.6399999999999,"body":"draw on it. I'm gonna I strongly"},{"speaker":"Nick Lincoln","startTime":1347.6399999999999,"endTime":1350.07,"body":"disagree with you. This guy's an"},{"speaker":"Nick Lincoln","startTime":1347.6399999999999,"endTime":1350.07,"body":"odious little shit. And 110"},{"speaker":"Nick Lincoln","startTime":1350.07,"endTime":1357.0,"body":"years in jail is not long enough"},{"speaker":"Nick Lincoln","startTime":1350.07,"endTime":1357.0,"body":"for him. Yeah, right. Okay. Mr."},{"speaker":"Nick Lincoln","startTime":1357.0,"endTime":1360.8999999999999,"body":"Smith, a white paper from our"},{"speaker":"Nick Lincoln","startTime":1357.0,"endTime":1360.8999999999999,"body":"tool, Australian friend."},{"speaker":"Alan Smith","startTime":1362.31,"endTime":1365.82,"body":"Yeah, I read a lot"},{"speaker":"Alan Smith","startTime":1362.31,"endTime":1365.82,"body":"of this stuff that comes out. I"},{"speaker":"Alan Smith","startTime":1365.82,"endTime":1369.1499999999999,"body":"mentioned a white paper or"},{"speaker":"Alan Smith","startTime":1365.82,"endTime":1369.1499999999999,"body":"report last time we had this"},{"speaker":"Alan Smith","startTime":1369.1499999999999,"endTime":1373.86,"body":"episode, this podcast from next"},{"speaker":"Alan Smith","startTime":1369.1499999999999,"endTime":1373.86,"body":"wealth. This is something that's"},{"speaker":"Alan Smith","startTime":1373.86,"endTime":1377.49,"body":"come out from Brett Davidson. I"},{"speaker":"Alan Smith","startTime":1373.86,"endTime":1377.49,"body":"believe this is just a generic"},{"speaker":"Alan Smith","startTime":1377.49,"endTime":1380.31,"body":"comment. First of all, I believe"},{"speaker":"Alan Smith","startTime":1377.49,"endTime":1380.31,"body":"it's important. If you want to"},{"speaker":"Alan Smith","startTime":1380.34,"endTime":1383.28,"body":"be good at your job, if you're a"},{"speaker":"Alan Smith","startTime":1380.34,"endTime":1383.28,"body":"financial planner, listening to"},{"speaker":"Alan Smith","startTime":1383.28,"endTime":1387.09,"body":"this, to immerse yourself in"},{"speaker":"Alan Smith","startTime":1383.28,"endTime":1387.09,"body":"what's going on to read white"},{"speaker":"Alan Smith","startTime":1387.09,"endTime":1389.9099999999999,"body":"papers, to read new documents,"},{"speaker":"Alan Smith","startTime":1387.09,"endTime":1389.9099999999999,"body":"to read blogs and things which"},{"speaker":"Alan Smith","startTime":1389.9099999999999,"endTime":1392.85,"body":"are relevant, that which are"},{"speaker":"Alan Smith","startTime":1389.9099999999999,"endTime":1392.85,"body":"relevant to the work we do. You"},{"speaker":"Alan Smith","startTime":1392.85,"endTime":1395.85,"body":"should pursue excellence at all"},{"speaker":"Alan Smith","startTime":1392.85,"endTime":1395.85,"body":"times. And one way to pursue"},{"speaker":"Alan Smith","startTime":1395.85,"endTime":1400.35,"body":"excellence was by knowing what's"},{"speaker":"Alan Smith","startTime":1395.85,"endTime":1400.35,"body":"going on. When I got started in"},{"speaker":"Alan Smith","startTime":1400.35,"endTime":1403.02,"body":"business, I was looking to"},{"speaker":"Alan Smith","startTime":1400.35,"endTime":1403.02,"body":"pursue it."},{"speaker":"Unknown","startTime":1406.56,"endTime":1412.02,"body":"Grab yourself a drink a"},{"speaker":"Unknown","startTime":1406.56,"endTime":1412.02,"body":"very long drink. Story time."},{"speaker":"Unknown","startTime":1412.68,"endTime":1413.76,"body":"Alan Smith."},{"speaker":"Alan Smith","startTime":1415.44,"endTime":1418.5,"body":"You love it. That"},{"speaker":"Alan Smith","startTime":1415.44,"endTime":1418.5,"body":"was a that was a cue I thought"},{"speaker":"Alan Smith","startTime":1418.5,"endTime":1423.69,"body":"How do I had one? Tee you up"},{"speaker":"Alan Smith","startTime":1418.5,"endTime":1423.69,"body":"anyway. But it was it is true."},{"speaker":"Alan Smith","startTime":1423.72,"endTime":1426.03,"body":"You're always used to go and I"},{"speaker":"Alan Smith","startTime":1423.72,"endTime":1426.03,"body":"was getting started. I was just"},{"speaker":"Alan Smith","startTime":1426.06,"endTime":1428.7,"body":"I was looking everywhere for"},{"speaker":"Alan Smith","startTime":1426.06,"endTime":1428.7,"body":"lessons. How do I learn about"},{"speaker":"Alan Smith","startTime":1428.7,"endTime":1433.3799999999999,"body":"this. And you're right the toll"},{"speaker":"Alan Smith","startTime":1428.7,"endTime":1433.3799999999999,"body":"irreverent Ozzie by the name of"},{"speaker":"Alan Smith","startTime":1433.3799999999999,"endTime":1437.07,"body":"Brett Davis, and I think he had"},{"speaker":"Alan Smith","startTime":1433.3799999999999,"endTime":1437.07,"body":"recently arrived in the UK. And"},{"speaker":"Alan Smith","startTime":1437.07,"endTime":1440.34,"body":"when I got started, and I think"},{"speaker":"Alan Smith","startTime":1437.07,"endTime":1440.34,"body":"I was one of his early clients,"},{"speaker":"Alan Smith","startTime":1440.34,"endTime":1444.12,"body":"because he ran a workshop"},{"speaker":"Alan Smith","startTime":1440.34,"endTime":1444.12,"body":"program. And I signed up for it."},{"speaker":"Alan Smith","startTime":1444.21,"endTime":1446.8799999999999,"body":"And it was great. And I've been"},{"speaker":"Alan Smith","startTime":1444.21,"endTime":1446.8799999999999,"body":"following Brett. And we've done"},{"speaker":"Alan Smith","startTime":1446.8799999999999,"endTime":1450.06,"body":"a lot of work with him and our"},{"speaker":"Alan Smith","startTime":1446.8799999999999,"endTime":1450.06,"body":"business over the years. And"},{"speaker":"Alan Smith","startTime":1450.06,"endTime":1452.58,"body":"he's been brilliant. He's one of"},{"speaker":"Alan Smith","startTime":1450.06,"endTime":1452.58,"body":"these. And he's not a knack"},{"speaker":"Alan Smith","startTime":1452.58,"endTime":1455.85,"body":"because he has advised clients."},{"speaker":"Alan Smith","startTime":1452.58,"endTime":1455.85,"body":"So it was about 64 years ago,"},{"speaker":"Alan Smith","startTime":1455.85,"endTime":1458.79,"body":"but it has been an advisor in"},{"speaker":"Alan Smith","startTime":1455.85,"endTime":1458.79,"body":"Sydney, Australia, and he knows"},{"speaker":"Alan Smith","startTime":1458.79,"endTime":1464.28,"body":"and he's but he's one of the"},{"speaker":"Alan Smith","startTime":1458.79,"endTime":1464.28,"body":"people would Brett writes his"},{"speaker":"Alan Smith","startTime":1464.31,"endTime":1468.3,"body":"blog, which comes out every time"},{"speaker":"Alan Smith","startTime":1464.31,"endTime":1468.3,"body":"I read it, I think he's in my"},{"speaker":"Alan Smith","startTime":1468.3,"endTime":1470.73,"body":"brain is thinking how I'm"},{"speaker":"Alan Smith","startTime":1468.3,"endTime":1470.73,"body":"thinking and that's the essence"},{"speaker":"Alan Smith","startTime":1470.73,"endTime":1473.04,"body":"of knowing your audience and he"},{"speaker":"Alan Smith","startTime":1470.73,"endTime":1473.04,"body":"really does know know his"},{"speaker":"Alan Smith","startTime":1473.04,"endTime":1475.74,"body":"audience. And he writes about"},{"speaker":"Alan Smith","startTime":1473.04,"endTime":1475.74,"body":"the issues and challenges and"},{"speaker":"Alan Smith","startTime":1475.74,"endTime":1479.55,"body":"the opportunities that all of us"},{"speaker":"Alan Smith","startTime":1475.74,"endTime":1479.55,"body":"have. And actually relating it"},{"speaker":"Alan Smith","startTime":1479.55,"endTime":1482.19,"body":"back to a conversation call that"},{"speaker":"Alan Smith","startTime":1479.55,"endTime":1482.19,"body":"you are having in our private"},{"speaker":"Alan Smith","startTime":1482.19,"endTime":1485.55,"body":"group over the last week or so."},{"speaker":"Alan Smith","startTime":1482.19,"endTime":1485.55,"body":"I think his latest paper is"},{"speaker":"Alan Smith","startTime":1485.55,"endTime":1488.55,"body":"really really relevant because"},{"speaker":"Alan Smith","startTime":1485.55,"endTime":1488.55,"body":"it's all about I think it's"},{"speaker":"Alan Smith","startTime":1488.55,"endTime":1493.29,"body":"titled How to solve how to solve"},{"speaker":"Alan Smith","startTime":1488.55,"endTime":1493.29,"body":"the scale problem and in fact he"},{"speaker":"Alan Smith","startTime":1493.29,"endTime":1497.22,"body":"even redefines this you know a"},{"speaker":"Alan Smith","startTime":1493.29,"endTime":1497.22,"body":"lot of the a lot of people at a"},{"speaker":"Alan Smith","startTime":1497.22,"endTime":1499.6499999999999,"body":"tech companies partake talk"},{"speaker":"Alan Smith","startTime":1497.22,"endTime":1499.6499999999999,"body":"about scaling up everyone uses"},{"speaker":"Alan Smith","startTime":1499.6499999999999,"endTime":1502.8899999999999,"body":"words scaling up as stripe most"},{"speaker":"Alan Smith","startTime":1499.6499999999999,"endTime":1502.8899999999999,"body":"of us don't I don't like that"},{"speaker":"Alan Smith","startTime":1502.8899999999999,"endTime":1505.44,"body":"word. It sounds just sounds"},{"speaker":"Alan Smith","startTime":1502.8899999999999,"endTime":1505.44,"body":"pretty awful. We're in the we're"},{"speaker":"Alan Smith","startTime":1505.44,"endTime":1508.1399999999999,"body":"in the people business. We look"},{"speaker":"Alan Smith","startTime":1505.44,"endTime":1508.1399999999999,"body":"after families to take care of"},{"speaker":"Alan Smith","startTime":1508.1399999999999,"endTime":1512.34,"body":"not scale up. So he's redefined."},{"speaker":"Alan Smith","startTime":1508.1399999999999,"endTime":1512.34,"body":"That is how to help more people,"},{"speaker":"Alan Smith","startTime":1512.52,"endTime":1514.56,"body":"which we all like why wouldn't"},{"speaker":"Alan Smith","startTime":1512.52,"endTime":1514.56,"body":"you want to help more people if"},{"speaker":"Alan Smith","startTime":1514.56,"endTime":1518.31,"body":"you got 50 clients help 100 If"},{"speaker":"Alan Smith","startTime":1514.56,"endTime":1518.31,"body":"you got 100 clients help 1000"},{"speaker":"Alan Smith","startTime":1518.46,"endTime":1523.4099999999999,"body":"and so on. And I'd also like the"},{"speaker":"Alan Smith","startTime":1518.46,"endTime":1523.4099999999999,"body":"way he has produced this on his"},{"speaker":"Alan Smith","startTime":1523.4099999999999,"endTime":1527.01,"body":"website, F p advance is his"},{"speaker":"Alan Smith","startTime":1523.4099999999999,"endTime":1527.01,"body":"website, because you can"},{"speaker":"Alan Smith","startTime":1527.01,"endTime":1529.74,"body":"download the white paper you can"},{"speaker":"Alan Smith","startTime":1527.01,"endTime":1529.74,"body":"listen to the audio or it's"},{"speaker":"Alan Smith","startTime":1529.74,"endTime":1531.84,"body":"actually Got it in sort of"},{"speaker":"Alan Smith","startTime":1529.74,"endTime":1531.84,"body":"sections literally on the"},{"speaker":"Alan Smith","startTime":1531.84,"endTime":1533.82,"body":"website, if you want to skim"},{"speaker":"Alan Smith","startTime":1531.84,"endTime":1533.82,"body":"read it. So the way he's"},{"speaker":"Alan Smith","startTime":1533.82,"endTime":1537.57,"body":"delivered the content, I think"},{"speaker":"Alan Smith","startTime":1533.82,"endTime":1537.57,"body":"is excellent. And all I'm saying"},{"speaker":"Alan Smith","startTime":1537.57,"endTime":1540.09,"body":"is, if you're remotely"},{"speaker":"Alan Smith","startTime":1537.57,"endTime":1540.09,"body":"interested in growing your"},{"speaker":"Alan Smith","startTime":1540.09,"endTime":1543.3,"body":"business, you should read this"},{"speaker":"Alan Smith","startTime":1540.09,"endTime":1543.3,"body":"white paper, you should engage"},{"speaker":"Alan Smith","startTime":1543.3,"endTime":1546.0,"body":"with it or listen to it, because"},{"speaker":"Alan Smith","startTime":1543.3,"endTime":1546.0,"body":"he comes up with a lot of"},{"speaker":"Alan Smith","startTime":1546.0,"endTime":1549.36,"body":"sensible ideas. And I think,"},{"speaker":"Alan Smith","startTime":1546.0,"endTime":1549.36,"body":"again, a lot some of the stuff"},{"speaker":"Alan Smith","startTime":1549.36,"endTime":1551.67,"body":"that I've done, because it's"},{"speaker":"Alan Smith","startTime":1549.36,"endTime":1551.67,"body":"very difficult to grow your"},{"speaker":"Alan Smith","startTime":1551.67,"endTime":1555.24,"body":"business, if you the original"},{"speaker":"Alan Smith","startTime":1551.67,"endTime":1555.24,"body":"principle or founder, are going"},{"speaker":"Alan Smith","startTime":1555.24,"endTime":1557.6399999999999,"body":"to keep your arms around all the"},{"speaker":"Alan Smith","startTime":1555.24,"endTime":1557.6399999999999,"body":"clients because at some point,"},{"speaker":"Alan Smith","startTime":1557.6399999999999,"endTime":1559.53,"body":"there's just not enough time in"},{"speaker":"Alan Smith","startTime":1557.6399999999999,"endTime":1559.53,"body":"the day and how would you double"},{"speaker":"Alan Smith","startTime":1559.53,"endTime":1562.83,"body":"the number of clients, because"},{"speaker":"Alan Smith","startTime":1559.53,"endTime":1562.83,"body":"if you are the original person,"},{"speaker":"Alan Smith","startTime":1562.83,"endTime":1566.61,"body":"like all of us are, most of the"},{"speaker":"Alan Smith","startTime":1562.83,"endTime":1566.61,"body":"new opportunities come to you,"},{"speaker":"Alan Smith","startTime":1566.6399999999999,"endTime":1568.83,"body":"you know, the other clients and"},{"speaker":"Alan Smith","startTime":1566.6399999999999,"endTime":1568.83,"body":"your prospective clients will"},{"speaker":"Alan Smith","startTime":1568.83,"endTime":1571.2,"body":"tend to come to you and at some"},{"speaker":"Alan Smith","startTime":1568.83,"endTime":1571.2,"body":"point, something has to give,"},{"speaker":"Alan Smith","startTime":1571.5,"endTime":1574.02,"body":"because you can't just keep"},{"speaker":"Alan Smith","startTime":1571.5,"endTime":1574.02,"body":"dealing with the these clients,"},{"speaker":"Alan Smith","startTime":1574.05,"endTime":1579.75,"body":"you've got to find ways of"},{"speaker":"Alan Smith","startTime":1574.05,"endTime":1579.75,"body":"ultimately, this white paper is"},{"speaker":"Alan Smith","startTime":1579.75,"endTime":1583.17,"body":"about changing your fundamental"},{"speaker":"Alan Smith","startTime":1579.75,"endTime":1583.17,"body":"business model. And Brett is"},{"speaker":"Alan Smith","startTime":1583.17,"endTime":1585.84,"body":"clearly from reading it is"},{"speaker":"Alan Smith","startTime":1583.17,"endTime":1585.84,"body":"clear. He understands how"},{"speaker":"Alan Smith","startTime":1585.84,"endTime":1589.11,"body":"remuneration works, how revenues"},{"speaker":"Alan Smith","startTime":1585.84,"endTime":1589.11,"body":"works or profitability works in"},{"speaker":"Alan Smith","startTime":1589.11,"endTime":1591.87,"body":"businesses. So if you're"},{"speaker":"Alan Smith","startTime":1589.11,"endTime":1591.87,"body":"remotely interested in growing"},{"speaker":"Alan Smith","startTime":1591.87,"endTime":1596.49,"body":"your company, then I strongly"},{"speaker":"Alan Smith","startTime":1591.87,"endTime":1596.49,"body":"recommend not just Brett's this"},{"speaker":"Alan Smith","startTime":1596.52,"endTime":1599.8799999999999,"body":"this particular paper, but all"},{"speaker":"Alan Smith","startTime":1596.52,"endTime":1599.8799999999999,"body":"his stuff, subscribe to his"},{"speaker":"Alan Smith","startTime":1599.8799999999999,"endTime":1603.09,"body":"blog. It's really good. Really"},{"speaker":"Alan Smith","startTime":1599.8799999999999,"endTime":1603.09,"body":"interesting. It's well worth."},{"speaker":"Andy Hart","startTime":1604.139,"endTime":1605.609,"body":"I think he runs a"},{"speaker":"Andy Hart","startTime":1604.139,"endTime":1605.609,"body":"course I think it's called"},{"speaker":"Andy Hart","startTime":1605.609,"endTime":1607.649,"body":"uncover your business or"},{"speaker":"Andy Hart","startTime":1605.609,"endTime":1607.649,"body":"something. I think he does it"},{"speaker":"Andy Hart","startTime":1607.649,"endTime":1610.6789999999999,"body":"once a year takes in sort of a"},{"speaker":"Andy Hart","startTime":1607.649,"endTime":1610.6789999999999,"body":"cohort. And I've heard some some"},{"speaker":"Andy Hart","startTime":1610.6789999999999,"endTime":1613.949,"body":"good things about that. So yeah,"},{"speaker":"Andy Hart","startTime":1610.6789999999999,"endTime":1613.949,"body":"he's definitely one of the good"},{"speaker":"Andy Hart","startTime":1613.949,"endTime":1616.889,"body":"people in this space. Are you"},{"speaker":"Andy Hart","startTime":1613.949,"endTime":1616.889,"body":"scaling up Nick, helping more"},{"speaker":"Andy Hart","startTime":1616.889,"endTime":1617.249,"body":"people?"},{"speaker":"Nick Lincoln","startTime":1618.389,"endTime":1621.959,"body":"No, no, I'm going"},{"speaker":"Nick Lincoln","startTime":1618.389,"endTime":1621.959,"body":"to change my strap line. I'm not"},{"speaker":"Nick Lincoln","startTime":1621.959,"endTime":1627.089,"body":"helping people aggressively."},{"speaker":"Nick Lincoln","startTime":1621.959,"endTime":1627.089,"body":"That's my scaling. Just winding"},{"speaker":"Nick Lincoln","startTime":1627.6889999999999,"endTime":1630.809,"body":"it decline we're setting in"},{"speaker":"Nick Lincoln","startTime":1627.6889999999999,"endTime":1630.809,"body":"1969. And building that to my"},{"speaker":"Nick Lincoln","startTime":1630.809,"endTime":1635.879,"body":"business. Mr. Smith, as you"},{"speaker":"Nick Lincoln","startTime":1630.809,"endTime":1635.879,"body":"alluded to a guy who said it's"},{"speaker":"Nick Lincoln","startTime":1635.879,"endTime":1639.299,"body":"so stereotypical Ozzie but he's"},{"speaker":"Nick Lincoln","startTime":1635.879,"endTime":1639.299,"body":"very blunt and direct, which is"},{"speaker":"Nick Lincoln","startTime":1639.299,"endTime":1643.949,"body":"nice. And he doesn't need Yeah,"},{"speaker":"Nick Lincoln","startTime":1639.299,"endTime":1643.949,"body":"doesn't Fanny about to quote,"},{"speaker":"Nick Lincoln","startTime":1644.219,"endTime":1649.559,"body":"but okay. I saw something"},{"speaker":"Nick Lincoln","startTime":1644.219,"endTime":1649.559,"body":"interesting i In the US there, I"},{"speaker":"Nick Lincoln","startTime":1649.559,"endTime":1651.479,"body":"sort of asked about how they're"},{"speaker":"Nick Lincoln","startTime":1649.559,"endTime":1651.479,"body":"increasing the the annual at"},{"speaker":"Nick Lincoln","startTime":1651.479,"endTime":1653.459,"body":"their equivalent, the annual"},{"speaker":"Nick Lincoln","startTime":1651.479,"endTime":1653.459,"body":"allowance, what you can pay into"},{"speaker":"Nick Lincoln","startTime":1653.459,"endTime":1657.089,"body":"pensions, which they call 401."},{"speaker":"Nick Lincoln","startTime":1653.459,"endTime":1657.089,"body":"K's for workplace pensions, and"},{"speaker":"Nick Lincoln","startTime":1657.089,"endTime":1659.6689999999999,"body":"I think they're called IRAs"},{"speaker":"Nick Lincoln","startTime":1657.089,"endTime":1659.6689999999999,"body":"individual personal pensions."},{"speaker":"Nick Lincoln","startTime":1660.1789999999999,"endTime":1662.579,"body":"The amounts are tiny compared to"},{"speaker":"Nick Lincoln","startTime":1660.1789999999999,"endTime":1662.579,"body":"some history, I put it against a"},{"speaker":"Nick Lincoln","startTime":1662.579,"endTime":1665.279,"body":"link this article from The Wall"},{"speaker":"Nick Lincoln","startTime":1662.579,"endTime":1665.279,"body":"Street Journal, so it might be"},{"speaker":"Nick Lincoln","startTime":1665.279,"endTime":1669.509,"body":"behind a paywall. But most work"},{"speaker":"Nick Lincoln","startTime":1665.279,"endTime":1669.509,"body":"this is quoting, most workers"},{"speaker":"Nick Lincoln","startTime":1669.509,"endTime":1673.859,"body":"will be able to put up to"},{"speaker":"Nick Lincoln","startTime":1669.509,"endTime":1673.859,"body":"$23,000 into their 401 K's"},{"speaker":"Nick Lincoln","startTime":1673.859,"endTime":1679.379,"body":"annually, up 500 pounds from"},{"speaker":"Nick Lincoln","startTime":1673.859,"endTime":1679.379,"body":"2023 23,000 That's their annual"},{"speaker":"Nick Lincoln","startTime":1679.379,"endTime":1682.739,"body":"allowance you can also put"},{"speaker":"Nick Lincoln","startTime":1679.379,"endTime":1682.739,"body":"another 7000 into a personal"},{"speaker":"Nick Lincoln","startTime":1682.739,"endTime":1686.4289999999999,"body":"pension so 30,000 is their is"},{"speaker":"Nick Lincoln","startTime":1682.739,"endTime":1686.4289999999999,"body":"their annual allowance, which"},{"speaker":"Nick Lincoln","startTime":1686.4289999999999,"endTime":1689.099,"body":"just obviously their salaries"},{"speaker":"Nick Lincoln","startTime":1686.4289999999999,"endTime":1689.099,"body":"are generally going to be"},{"speaker":"Nick Lincoln","startTime":1689.099,"endTime":1694.709,"body":"higher. You know, it's the"},{"speaker":"Nick Lincoln","startTime":1689.099,"endTime":1694.709,"body":"world's capitalist engine, those"},{"speaker":"Nick Lincoln","startTime":1694.709,"endTime":1697.4389999999999,"body":"limits just sound incredibly low"},{"speaker":"Nick Lincoln","startTime":1694.709,"endTime":1697.4389999999999,"body":"to me. So just just interesting"},{"speaker":"Nick Lincoln","startTime":1697.4389999999999,"endTime":1700.349,"body":"point and perhaps we should be"},{"speaker":"Nick Lincoln","startTime":1697.4389999999999,"endTime":1700.349,"body":"grateful for the 60,000 that"},{"speaker":"Nick Lincoln","startTime":1700.349,"endTime":1702.389,"body":"we've currently got in the UK"},{"speaker":"Nick Lincoln","startTime":1700.349,"endTime":1702.389,"body":"that if you guys got and we"},{"speaker":"Nick Lincoln","startTime":1702.389,"endTime":1702.749,"body":"should be"},{"speaker":"Carl Widger","startTime":1703.71,"endTime":1708.03,"body":"therefore in"},{"speaker":"Carl Widger","startTime":1703.71,"endTime":1708.03,"body":"Ireland for no limit at all. You"},{"speaker":"Carl Widger","startTime":1708.03,"endTime":1711.57,"body":"can put whatever you want in"},{"speaker":"Carl Widger","startTime":1708.03,"endTime":1711.57,"body":"your pension fund. You don't"},{"speaker":"Andy Hart","startTime":1712.8,"endTime":1714.6,"body":"in terms of across"},{"speaker":"Andy Hart","startTime":1712.8,"endTime":1714.6,"body":"the population Nick there"},{"speaker":"Andy Hart","startTime":1714.6,"endTime":1717.8999999999999,"body":"obviously still quite high"},{"speaker":"Andy Hart","startTime":1714.6,"endTime":1717.8999999999999,"body":"numbers you know, I'm sure the"},{"speaker":"Andy Hart","startTime":1717.8999999999999,"endTime":1722.58,"body":"average amount that's paid into"},{"speaker":"Andy Hart","startTime":1717.8999999999999,"endTime":1722.58,"body":"a pension per year is low 1000s"},{"speaker":"Andy Hart","startTime":1722.58,"endTime":1727.23,"body":"In the UK, a couple of 1000 at"},{"speaker":"Andy Hart","startTime":1722.58,"endTime":1727.23,"body":"most so obviously you know we"},{"speaker":"Andy Hart","startTime":1727.23,"endTime":1730.3799999999999,"body":"work in the world space so you"},{"speaker":"Andy Hart","startTime":1727.23,"endTime":1730.3799999999999,"body":"know I get that"},{"speaker":"Nick Lincoln","startTime":1731.97,"endTime":1737.28,"body":"six figure kind of"},{"speaker":"Nick Lincoln","startTime":1731.97,"endTime":1737.28,"body":"you know salary more than I say"},{"speaker":"Nick Lincoln","startTime":1737.28,"endTime":1739.23,"body":"only half a million dollars or"},{"speaker":"Nick Lincoln","startTime":1737.28,"endTime":1739.23,"body":"you might not bother cuz you're"},{"speaker":"Nick Lincoln","startTime":1739.23,"endTime":1741.42,"body":"never going to be able to accrue"},{"speaker":"Nick Lincoln","startTime":1739.23,"endTime":1741.42,"body":"enough it's your pension funds"},{"speaker":"Nick Lincoln","startTime":1741.42,"endTime":1745.26,"body":"or even begin to replace your"},{"speaker":"Nick Lincoln","startTime":1741.42,"endTime":1745.26,"body":"income they Yeah, I just thought"},{"speaker":"Nick Lincoln","startTime":1791.34,"endTime":1792.9599999999998,"body":"Yeah, I thought it was a we're"},{"speaker":"Nick Lincoln","startTime":1791.34,"endTime":1792.9599999999998,"body":"always"},{"speaker":"Andy Hart","startTime":1792.9599999999998,"endTime":1794.76,"body":"similar to the ice"},{"speaker":"Andy Hart","startTime":1792.9599999999998,"endTime":1794.76,"body":"limits that the ice limits in"},{"speaker":"Andy Hart","startTime":1794.76,"endTime":1797.34,"body":"the UK or 20 I know us obviously"},{"speaker":"Andy Hart","startTime":1794.76,"endTime":1797.34,"body":"we're talking about pensions and"},{"speaker":"Andy Hart","startTime":1797.34,"endTime":1800.9399999999998,"body":"ISIS you can still build up some"},{"speaker":"Andy Hart","startTime":1797.34,"endTime":1800.9399999999998,"body":"wealth Mr. or Mrs. And ice is at"},{"speaker":"Andy Hart","startTime":1800.9399999999998,"endTime":1808.05,"body":"20k a year so there's still some"},{"speaker":"Andy Hart","startTime":1800.9399999999998,"endTime":1808.05,"body":"merit in our belief. Move on."},{"speaker":"Nick Lincoln","startTime":1808.29,"endTime":1810.6299999999999,"body":"Okay, right."},{"speaker":"Nick Lincoln","startTime":1808.29,"endTime":1810.6299999999999,"body":"What's the next thing we're"},{"speaker":"Nick Lincoln","startTime":1810.6299999999999,"endTime":1817.7399999999998,"body":"looking at? De sorry, my things"},{"speaker":"Nick Lincoln","startTime":1810.6299999999999,"endTime":1817.7399999999998,"body":"over and the FCA crypto"},{"speaker":"Andy Hart","startTime":1821.6989999999998,"endTime":1824.4889999999998,"body":"on slightly annoys"},{"speaker":"Andy Hart","startTime":1821.6989999999998,"endTime":1824.4889999999998,"body":"me, I don't know if you guys"},{"speaker":"Andy Hart","startTime":1824.4889999999998,"endTime":1829.0189999999998,"body":"have seen this link. This is the"},{"speaker":"Andy Hart","startTime":1824.4889999999998,"endTime":1829.0189999999998,"body":"FCA and they're quietly started"},{"speaker":"Andy Hart","startTime":1829.0189999999998,"endTime":1834.899,"body":"to regulate crypto marketing in"},{"speaker":"Andy Hart","startTime":1829.0189999999998,"endTime":1834.899,"body":"some way. I don't believe crypto"},{"speaker":"Andy Hart","startTime":1835.079,"endTime":1838.9189999999999,"body":"as an asset class. It's really"},{"speaker":"Andy Hart","startTime":1835.079,"endTime":1838.9189999999999,"body":"irritating. It boils my blood"},{"speaker":"Andy Hart","startTime":1838.9189999999999,"endTime":1841.7089999999998,"body":"actually if you click on the"},{"speaker":"Andy Hart","startTime":1838.9189999999999,"endTime":1841.7089999999998,"body":"link, you just read the opening"},{"speaker":"Andy Hart","startTime":1841.7089999999998,"endTime":1848.1589999999999,"body":"sentence to this sort of stuff."},{"speaker":"Andy Hart","startTime":1841.7089999999998,"endTime":1848.1589999999999,"body":"Let me just Yeah, okay, I'm I am"},{"speaker":"Andy Hart","startTime":1848.1889999999999,"endTime":1850.9789999999998,"body":"a muted, sorry. Yeah, if you go"},{"speaker":"Andy Hart","startTime":1848.1889999999999,"endTime":1850.9789999999998,"body":"to the top of this, it says if"},{"speaker":"Andy Hart","startTime":1850.9789999999998,"endTime":1854.0089999999998,"body":"you're thinking about buying"},{"speaker":"Andy Hart","startTime":1850.9789999999998,"endTime":1854.0089999999998,"body":"crypto, you need to know the"},{"speaker":"Andy Hart","startTime":1854.0089999999998,"endTime":1859.349,"body":"basics and understand the risks"},{"speaker":"Andy Hart","startTime":1854.0089999999998,"endTime":1859.349,"body":"before jumping in. So they're"},{"speaker":"Andy Hart","startTime":1859.349,"endTime":1863.6989999999998,"body":"already assuming that you are"},{"speaker":"Andy Hart","startTime":1859.349,"endTime":1863.6989999999998,"body":"going to be exchanging your"},{"speaker":"Andy Hart","startTime":1863.6989999999998,"endTime":1867.1789999999999,"body":"golden coins for this crap."},{"speaker":"Andy Hart","startTime":1863.6989999999998,"endTime":1867.1789999999999,"body":"That's already very much annoyed"},{"speaker":"Andy Hart","startTime":1867.1789999999999,"endTime":1870.7189999999998,"body":"me. And remember if you decide"},{"speaker":"Andy Hart","startTime":1867.1789999999999,"endTime":1870.7189999999998,"body":"to they're calling it invest,"},{"speaker":"Andy Hart","startTime":1871.0189999999998,"endTime":1875.4889999999998,"body":"they're not calling it speculate"},{"speaker":"Andy Hart","startTime":1871.0189999999998,"endTime":1875.4889999999998,"body":"gamble. So already in the"},{"speaker":"Andy Hart","startTime":1875.4889999999998,"endTime":1881.5189999999998,"body":"opening power paragraph The FCA"},{"speaker":"Andy Hart","startTime":1875.4889999999998,"endTime":1881.5189999999998,"body":"inadvertently promoting this"},{"speaker":"Andy Hart","startTime":1881.5189999999998,"endTime":1886.529,"body":"crap. This is Financial trashing"},{"speaker":"Andy Hart","startTime":1881.5189999999998,"endTime":1886.529,"body":"my world we avoid this and an"},{"speaker":"Andy Hart","startTime":1886.529,"endTime":1890.399,"body":"end consumer punter will click"},{"speaker":"Andy Hart","startTime":1886.529,"endTime":1890.399,"body":"on this link to learn about"},{"speaker":"Andy Hart","startTime":1890.399,"endTime":1894.7189999999998,"body":"crypto from the regulator, and"},{"speaker":"Andy Hart","startTime":1890.399,"endTime":1894.7189999999998,"body":"even the opening paragraph and"},{"speaker":"Andy Hart","startTime":1894.7189999999998,"endTime":1898.379,"body":"I'll read that again before"},{"speaker":"Andy Hart","startTime":1894.7189999999998,"endTime":1898.379,"body":"jumping in. And remember, if you"},{"speaker":"Andy Hart","startTime":1898.379,"endTime":1902.339,"body":"decide to invest, this is not an"},{"speaker":"Andy Hart","startTime":1898.379,"endTime":1902.339,"body":"investment investment provides a"},{"speaker":"Andy Hart","startTime":1902.339,"endTime":1904.589,"body":"rising income, which"},{"speaker":"Andy Hart","startTime":1902.339,"endTime":1904.589,"body":"inadvertently then provides a"},{"speaker":"Andy Hart","startTime":1904.589,"endTime":1908.549,"body":"rising rise and capital value"},{"speaker":"Andy Hart","startTime":1904.589,"endTime":1908.549,"body":"through profits of companies or"},{"speaker":"Andy Hart","startTime":1908.549,"endTime":1912.7189999999998,"body":"rent from property. This is not"},{"speaker":"Andy Hart","startTime":1908.549,"endTime":1912.7189999999998,"body":"an investment, it just blows my"},{"speaker":"Andy Hart","startTime":1912.7189999999998,"endTime":1916.859,"body":"blood that our regulators now"},{"speaker":"Andy Hart","startTime":1912.7189999999998,"endTime":1916.859,"body":"causing us more problems. And"},{"speaker":"Andy Hart","startTime":1916.859,"endTime":1919.4089999999999,"body":"they're meant to be on our on"},{"speaker":"Andy Hart","startTime":1916.859,"endTime":1919.4089999999999,"body":"our side over"},{"speaker":"Nick Lincoln","startTime":1919.4099999999999,"endTime":1921.57,"body":"time. Sorry, I'm"},{"speaker":"Nick Lincoln","startTime":1919.4099999999999,"endTime":1921.57,"body":"gonna push back against you"},{"speaker":"Nick Lincoln","startTime":1921.6,"endTime":1924.9899999999998,"body":"again here. And I you know, I"},{"speaker":"Nick Lincoln","startTime":1921.6,"endTime":1924.9899999999998,"body":"certainly not found a crypto I"},{"speaker":"Nick Lincoln","startTime":1924.9899999999998,"endTime":1929.4599999999998,"body":"think there's a whole world of"},{"speaker":"Nick Lincoln","startTime":1924.9899999999998,"endTime":1929.4599999999998,"body":"pain in that the FCA has"},{"speaker":"Nick Lincoln","startTime":1929.4599999999998,"endTime":1932.1899999999998,"body":"cornered about if it doesn't do"},{"speaker":"Nick Lincoln","startTime":1929.4599999999998,"endTime":1932.1899999999998,"body":"something doesn't mention it, it"},{"speaker":"Nick Lincoln","startTime":1932.1899999999998,"endTime":1935.2199999999998,"body":"gets down and when it does"},{"speaker":"Nick Lincoln","startTime":1932.1899999999998,"endTime":1935.2199999999998,"body":"mention it is getting dammed. So"},{"speaker":"Nick Lincoln","startTime":1935.2199999999998,"endTime":1935.34,"body":"I"},{"speaker":"Andy Hart","startTime":1935.339,"endTime":1937.7089999999998,"body":"don't mention it in"},{"speaker":"Andy Hart","startTime":1935.339,"endTime":1937.7089999999998,"body":"that in that context, Nick,"},{"speaker":"Andy Hart","startTime":1937.7089999999998,"endTime":1940.049,"body":"before jumping in. Yeah,"},{"speaker":"Alan Smith","startTime":1940.35,"endTime":1942.87,"body":"I think the point"},{"speaker":"Alan Smith","startTime":1940.35,"endTime":1942.87,"body":"being the words are really"},{"speaker":"Alan Smith","startTime":1942.87,"endTime":1947.1599999999999,"body":"important. This is the basic"},{"speaker":"Alan Smith","startTime":1942.87,"endTime":1947.1599999999999,"body":"definition of investing. This is"},{"speaker":"Alan Smith","startTime":1947.1599999999999,"endTime":1949.53,"body":"absolutely speculating. It's"},{"speaker":"Alan Smith","startTime":1947.1599999999999,"endTime":1949.53,"body":"nothing wrong with speculating."},{"speaker":"Alan Smith","startTime":1949.56,"endTime":1952.9499999999998,"body":"If you want to spec Yeah, but"},{"speaker":"Alan Smith","startTime":1949.56,"endTime":1952.9499999999998,"body":"also know it's free. We don't"},{"speaker":"Alan Smith","startTime":1952.9499999999998,"endTime":1957.57,"body":"have a public body designed here"},{"speaker":"Alan Smith","startTime":1952.9499999999998,"endTime":1957.57,"body":"to regulate and protect the"},{"speaker":"Alan Smith","startTime":1957.57,"endTime":1961.59,"body":"public. And to under do all that"},{"speaker":"Alan Smith","startTime":1957.57,"endTime":1961.59,"body":"stuff that the FCA is designed"},{"speaker":"Alan Smith","startTime":1961.59,"endTime":1963.6899999999998,"body":"for and use words like before"},{"speaker":"Alan Smith","startTime":1961.59,"endTime":1963.6899999999998,"body":"jumping in"},{"speaker":"Andy Hart","startTime":1964.56,"endTime":1966.9899999999998,"body":"any in assuming"},{"speaker":"Andy Hart","startTime":1964.56,"endTime":1966.9899999999998,"body":"everyone's going to be jumping"},{"speaker":"Andy Hart","startTime":1966.9899999999998,"endTime":1968.6399999999999,"body":"in it's reading, I"},{"speaker":"Alan Smith","startTime":1968.6399999999999,"endTime":1971.4299999999998,"body":"bet you'd have hired"},{"speaker":"Alan Smith","startTime":1968.6399999999999,"endTime":1971.4299999999998,"body":"some PR branding kind of"},{"speaker":"Alan Smith","startTime":1971.4299999999998,"endTime":1974.01,"body":"communication companies are"},{"speaker":"Alan Smith","startTime":1971.4299999999998,"endTime":1974.01,"body":"you're appealing to the youth"},{"speaker":"Alan Smith","startTime":1974.3999999999999,"endTime":1977.55,"body":"appeal to the millennials."},{"speaker":"Alan Smith","startTime":1974.3999999999999,"endTime":1977.55,"body":"That's the language they use."},{"speaker":"Alan Smith","startTime":1977.61,"endTime":1980.9399999999998,"body":"But they've completely misjudged"},{"speaker":"Alan Smith","startTime":1977.61,"endTime":1980.9399999999998,"body":"the message here."},{"speaker":"Andy Hart","startTime":1982.6799999999998,"endTime":1985.62,"body":"Yeah, to protect them"},{"speaker":"Andy Hart","startTime":1982.6799999999998,"endTime":1985.62,"body":"and to be protecting clients"},{"speaker":"Andy Hart","startTime":1985.62,"endTime":1989.3999999999999,"body":"from scams and frauds and"},{"speaker":"Andy Hart","startTime":1985.62,"endTime":1989.3999999999999,"body":"financial trash and all they're"},{"speaker":"Andy Hart","startTime":1989.3999999999999,"endTime":1991.9799999999998,"body":"doing is promoting it anyway."},{"speaker":"Andy Hart","startTime":1989.3999999999999,"endTime":1991.9799999999998,"body":"First,"},{"speaker":"Nick Lincoln","startTime":1992.549,"endTime":1994.349,"body":"you can't call it"},{"speaker":"Nick Lincoln","startTime":1992.549,"endTime":1994.349,"body":"it's not unnecessarily, but we"},{"speaker":"Nick Lincoln","startTime":1994.349,"endTime":1997.6789999999999,"body":"just we don't like it. But it's"},{"speaker":"Nick Lincoln","startTime":1994.349,"endTime":1997.6789999999999,"body":"not an out fraud"},{"speaker":"Alan Smith","startTime":1999.3899999999999,"endTime":2001.82,"body":"thing, but it's"},{"speaker":"Alan Smith","startTime":1999.3899999999999,"endTime":2001.82,"body":"vestments. It doesn't it doesn't"},{"speaker":"Alan Smith","startTime":2001.82,"endTime":2004.9399999999998,"body":"meet the basic criteria of an"},{"speaker":"Alan Smith","startTime":2001.82,"endTime":2004.9399999999998,"body":"investment as Andy is described."},{"speaker":"Alan Smith","startTime":2005.81,"endTime":2009.59,"body":"I mean, Chris, I haven't read"},{"speaker":"Alan Smith","startTime":2005.81,"endTime":2009.59,"body":"the piece. And the crypto"},{"speaker":"Alan Smith","startTime":2009.9499999999998,"endTime":2013.9099999999999,"body":"generically is, as we've"},{"speaker":"Alan Smith","startTime":2009.9499999999998,"endTime":2013.9099999999999,"body":"discussed in this podcast before"},{"speaker":"Alan Smith","startTime":2013.9399999999998,"endTime":2018.62,"body":"is 99%. Crap. You can make a"},{"speaker":"Alan Smith","startTime":2013.9399999999998,"endTime":2018.62,"body":"case for Bitcoin, but not"},{"speaker":"Alan Smith","startTime":2018.62,"endTime":2021.6799999999998,"body":"necessarily as an investment. It"},{"speaker":"Alan Smith","startTime":2018.62,"endTime":2021.6799999999998,"body":"doesn't throw off any income."},{"speaker":"Alan Smith","startTime":2022.1299999999999,"endTime":2024.4699999999998,"body":"No, it's no, there's no"},{"speaker":"Alan Smith","startTime":2022.1299999999999,"endTime":2024.4699999999998,"body":"definition of how it generates"},{"speaker":"Alan Smith","startTime":2024.4699999999998,"endTime":2027.1999999999998,"body":"for you. How can you anticipate"},{"speaker":"Alan Smith","startTime":2024.4699999999998,"endTime":2027.1999999999998,"body":"as compensation for another"},{"speaker":"Alan Smith","startTime":2027.1999999999998,"endTime":2027.56,"body":"time?"},{"speaker":"Nick Lincoln","startTime":2027.7099999999998,"endTime":2028.8799999999999,"body":"I think, I think"},{"speaker":"Andy Hart","startTime":2028.9399999999998,"endTime":2031.4299999999998,"body":"a language which is"},{"speaker":"Andy Hart","startTime":2028.9399999999998,"endTime":2031.4299999999998,"body":"used is bad."},{"speaker":"Nick Lincoln","startTime":2032.6599999999999,"endTime":2034.1,"body":"They do say in"},{"speaker":"Nick Lincoln","startTime":2032.6599999999999,"endTime":2034.1,"body":"this opening paragraph, you"},{"speaker":"Nick Lincoln","startTime":2034.1,"endTime":2036.9499999999998,"body":"should be prepared to lose all"},{"speaker":"Nick Lincoln","startTime":2034.1,"endTime":2036.9499999999998,"body":"the money you have in quotes"},{"speaker":"Nick Lincoln","startTime":2036.9499999999998,"endTime":2040.28,"body":"invested. So that's opening the"},{"speaker":"Nick Lincoln","startTime":2036.9499999999998,"endTime":2040.28,"body":"opening paragraph."},{"speaker":"Andy Hart","startTime":2040.9699999999998,"endTime":2042.62,"body":"Okay, that's all"},{"speaker":"Andy Hart","startTime":2040.9699999999998,"endTime":2042.62,"body":"right. Yeah, I think Charlie"},{"speaker":"Andy Hart","startTime":2042.62,"endTime":2045.77,"body":"Munger calls it rat poison"},{"speaker":"Andy Hart","startTime":2042.62,"endTime":2045.77,"body":"squared. So I'll go with Charlie"},{"speaker":"Andy Hart","startTime":2045.77,"endTime":2046.28,"body":"on that."},{"speaker":"Nick Lincoln","startTime":2046.76,"endTime":2048.92,"body":"I agree. I agree"},{"speaker":"Nick Lincoln","startTime":2046.76,"endTime":2048.92,"body":"with if I died, just from one"},{"speaker":"Nick Lincoln","startTime":2048.92,"endTime":2051.05,"body":"side number four, I think the"},{"speaker":"Nick Lincoln","startTime":2048.92,"endTime":2051.05,"body":"FCA is in a difficult place with"},{"speaker":"Nick Lincoln","startTime":2051.05,"endTime":2054.92,"body":"this if they don't do something"},{"speaker":"Nick Lincoln","startTime":2051.05,"endTime":2054.92,"body":"they get down. Okay, another"},{"speaker":"Nick Lincoln","startTime":2054.92,"endTime":2057.56,"body":"political thing. And, again,"},{"speaker":"Nick Lincoln","startTime":2054.92,"endTime":2057.56,"body":"I'll be careful. I'm not I'm not"},{"speaker":"Nick Lincoln","startTime":2057.56,"endTime":2059.6,"body":"saying I'm not saying this is"},{"speaker":"Nick Lincoln","startTime":2057.56,"endTime":2059.6,"body":"necessarily a good or bad thing."},{"speaker":"Nick Lincoln","startTime":2059.6,"endTime":2063.92,"body":"But the Labour government has"},{"speaker":"Nick Lincoln","startTime":2059.6,"endTime":2063.92,"body":"proposed to bring in VAT on"},{"speaker":"Nick Lincoln","startTime":2063.98,"endTime":2067.55,"body":"school fees. And I should know"},{"speaker":"Nick Lincoln","startTime":2063.98,"endTime":2067.55,"body":"and I'll consider myself I do"},{"speaker":"Nick Lincoln","startTime":2067.55,"endTime":2069.65,"body":"think it's a bad thing. And I'll"},{"speaker":"Nick Lincoln","startTime":2067.55,"endTime":2069.65,"body":"tell you why in a second. And I"},{"speaker":"Nick Lincoln","startTime":2069.65,"endTime":2071.75,"body":"had an annual planning meeting"},{"speaker":"Nick Lincoln","startTime":2069.65,"endTime":2071.75,"body":"with clients last week, we're"},{"speaker":"Nick Lincoln","startTime":2071.75,"endTime":2076.04,"body":"planning on sending their three"},{"speaker":"Nick Lincoln","startTime":2071.75,"endTime":2076.04,"body":"children through private school"},{"speaker":"Nick Lincoln","startTime":2076.07,"endTime":2080.27,"body":"private education. And they were"},{"speaker":"Nick Lincoln","startTime":2076.07,"endTime":2080.27,"body":"saying that, what they might do"},{"speaker":"Nick Lincoln","startTime":2080.27,"endTime":2083.21,"body":"what the what the schools are"},{"speaker":"Nick Lincoln","startTime":2080.27,"endTime":2083.21,"body":"now doing, these private schools"},{"speaker":"Nick Lincoln","startTime":2083.21,"endTime":2086.12,"body":"is saying to people pay up"},{"speaker":"Nick Lincoln","startTime":2083.21,"endTime":2086.12,"body":"front. Now, if you've got if"},{"speaker":"Nick Lincoln","startTime":2086.12,"endTime":2089.9,"body":"your 11 year old is coming here"},{"speaker":"Nick Lincoln","startTime":2086.12,"endTime":2089.9,"body":"for seven years, we'll we'll"},{"speaker":"Nick Lincoln","startTime":2089.9,"endTime":2093.32,"body":"we'll factor an invoice for you."},{"speaker":"Nick Lincoln","startTime":2089.9,"endTime":2093.32,"body":"Where you pay for those whole"},{"speaker":"Nick Lincoln","startTime":2093.32,"endTime":2096.8,"body":"seven years upfront, and we"},{"speaker":"Nick Lincoln","startTime":2093.32,"endTime":2096.8,"body":"avoid this vat thing. So it's"},{"speaker":"Nick Lincoln","startTime":2096.8,"endTime":2099.44,"body":"just an interesting wrinkle on"},{"speaker":"Nick Lincoln","startTime":2096.8,"endTime":2099.44,"body":"the unintended consequences of"},{"speaker":"Nick Lincoln","startTime":2099.44,"endTime":2103.37,"body":"up to potential political and"},{"speaker":"Nick Lincoln","startTime":2099.44,"endTime":2103.37,"body":"budgetary changes. Also, this"},{"speaker":"Nick Lincoln","startTime":2103.37,"endTime":2105.5,"body":"client was saying he's got quite"},{"speaker":"Nick Lincoln","startTime":2103.37,"endTime":2105.5,"body":"a bit money, his business is"},{"speaker":"Nick Lincoln","startTime":2105.5,"endTime":2107.72,"body":"thanks. I might just pay myself"},{"speaker":"Nick Lincoln","startTime":2105.5,"endTime":2107.72,"body":"a one off dividend because I'm"},{"speaker":"Nick Lincoln","startTime":2107.72,"endTime":2110.42,"body":"sure later we're going to get"},{"speaker":"Nick Lincoln","startTime":2107.72,"endTime":2110.42,"body":"rid of entrepreneurs relief. And"},{"speaker":"Nick Lincoln","startTime":2110.42,"endTime":2113.48,"body":"it's kind of well, it might they"},{"speaker":"Nick Lincoln","startTime":2110.42,"endTime":2113.48,"body":"might, but they might not. And"},{"speaker":"Nick Lincoln","startTime":2113.48,"endTime":2117.11,"body":"we can't really make financial"},{"speaker":"Nick Lincoln","startTime":2113.48,"endTime":2117.11,"body":"decisions on the hoof on what on"},{"speaker":"Nick Lincoln","startTime":2117.11,"endTime":2119.99,"body":"what what might what might"},{"speaker":"Nick Lincoln","startTime":2117.11,"endTime":2119.99,"body":"happen and what might not"},{"speaker":"Nick Lincoln","startTime":2119.99,"endTime":2122.3,"body":"happen. But certainly for school"},{"speaker":"Nick Lincoln","startTime":2119.99,"endTime":2122.3,"body":"fees, I think it's if you've got"},{"speaker":"Nick Lincoln","startTime":2122.3,"endTime":2126.0499999999997,"body":"clients, putting kids through"},{"speaker":"Nick Lincoln","startTime":2122.3,"endTime":2126.0499999999997,"body":"school, through private school"},{"speaker":"Nick Lincoln","startTime":2126.0499999999997,"endTime":2128.06,"body":"or thinking about it, this"},{"speaker":"Nick Lincoln","startTime":2126.0499999999997,"endTime":2128.06,"body":"conversation is going to come"},{"speaker":"Nick Lincoln","startTime":2128.06,"endTime":2131.3599999999997,"body":"up. And just I mean, why I think"},{"speaker":"Nick Lincoln","startTime":2128.06,"endTime":2131.3599999999997,"body":"it's a bad idea. But there are"},{"speaker":"Nick Lincoln","startTime":2131.3599999999997,"endTime":2133.37,"body":"close to this because you know,"},{"speaker":"Nick Lincoln","startTime":2131.3599999999997,"endTime":2133.37,"body":"the lovely Penelope is a"},{"speaker":"Nick Lincoln","startTime":2133.37,"endTime":2135.68,"body":"governor and merchant Taylor's"},{"speaker":"Nick Lincoln","startTime":2133.37,"endTime":2135.68,"body":"School, which is a fantastic"},{"speaker":"Nick Lincoln","startTime":2135.68,"endTime":2140.81,"body":"private school, around the"},{"speaker":"Nick Lincoln","startTime":2135.68,"endTime":2140.81,"body":"corner from me in Moorpark. And"},{"speaker":"Nick Lincoln","startTime":2140.99,"endTime":2146.5699999999997,"body":"a lot of the children there are"},{"speaker":"Nick Lincoln","startTime":2140.99,"endTime":2146.5699999999997,"body":"English of Indian descent, and"},{"speaker":"Nick Lincoln","startTime":2146.5699999999997,"endTime":2149.7799999999997,"body":"they are the grandchildren of"},{"speaker":"Nick Lincoln","startTime":2146.5699999999997,"endTime":2149.7799999999997,"body":"those African Indians who came"},{"speaker":"Nick Lincoln","startTime":2149.7799999999997,"endTime":2154.19,"body":"to the UK in the late 60s and"},{"speaker":"Nick Lincoln","startTime":2149.7799999999997,"endTime":2154.19,"body":"early 70s, fleeing persecution"},{"speaker":"Nick Lincoln","startTime":2154.19,"endTime":2157.67,"body":"by black leaders such as EBR"},{"speaker":"Nick Lincoln","startTime":2154.19,"endTime":2157.67,"body":"mean, and they came here they"},{"speaker":"Nick Lincoln","startTime":2157.67,"endTime":2160.31,"body":"went through loads of crap they"},{"speaker":"Nick Lincoln","startTime":2157.67,"endTime":2160.31,"body":"put up with a lot of rubbish,"},{"speaker":"Nick Lincoln","startTime":2160.3399999999997,"endTime":2163.94,"body":"but they they assaulted away and"},{"speaker":"Nick Lincoln","startTime":2160.3399999999997,"endTime":2163.94,"body":"they put their kids through"},{"speaker":"Nick Lincoln","startTime":2163.94,"endTime":2166.85,"body":"university and now that they've"},{"speaker":"Nick Lincoln","startTime":2163.94,"endTime":2166.85,"body":"their grandkids are now going to"},{"speaker":"Nick Lincoln","startTime":2166.85,"endTime":2170.21,"body":"these public schools. If this"},{"speaker":"Nick Lincoln","startTime":2166.85,"endTime":2170.21,"body":"vat thing comes in, it'd be"},{"speaker":"Nick Lincoln","startTime":2170.21,"endTime":2171.98,"body":"really, really hot. Those are"},{"speaker":"Nick Lincoln","startTime":2170.21,"endTime":2171.98,"body":"the people they're going to get"},{"speaker":"Nick Lincoln","startTime":2171.98,"endTime":2176.39,"body":"affected by it. And the kids"},{"speaker":"Nick Lincoln","startTime":2171.98,"endTime":2176.39,"body":"that get into it Have a school"},{"speaker":"Nick Lincoln","startTime":2176.39,"endTime":2179.9,"body":"because their dads are our old"},{"speaker":"Nick Lincoln","startTime":2176.39,"endTime":2179.9,"body":"boys, and they've given money to"},{"speaker":"Nick Lincoln","startTime":2179.9,"endTime":2182.0299999999997,"body":"these schools and it's all not"},{"speaker":"Nick Lincoln","startTime":2179.9,"endTime":2182.0299999999997,"body":"in the wing, they won't be"},{"speaker":"Nick Lincoln","startTime":2182.0299999999997,"endTime":2184.19,"body":"touched by it. So there's"},{"speaker":"Nick Lincoln","startTime":2182.0299999999997,"endTime":2184.19,"body":"politics of everything is really"},{"speaker":"Nick Lincoln","startTime":2184.19,"endTime":2187.22,"body":"going to hit the absolute"},{"speaker":"Nick Lincoln","startTime":2184.19,"endTime":2187.22,"body":"aspirational class that we want"},{"speaker":"Nick Lincoln","startTime":2187.5499999999997,"endTime":2189.68,"body":"to be encouraging in this"},{"speaker":"Nick Lincoln","startTime":2187.5499999999997,"endTime":2189.68,"body":"country. So I think it's a real"},{"speaker":"Nick Lincoln","startTime":2189.68,"endTime":2191.69,"body":"shame. If that happens. Alan,"},{"speaker":"Nick Lincoln","startTime":2189.68,"endTime":2191.69,"body":"you're you were waving your"},{"speaker":"Nick Lincoln","startTime":2191.69,"endTime":2192.77,"body":"digit. Yeah, I"},{"speaker":"Alan Smith","startTime":2193.19,"endTime":2195.08,"body":"completely agree. I"},{"speaker":"Alan Smith","startTime":2193.19,"endTime":2195.08,"body":"mean, as somebody who would be"},{"speaker":"Alan Smith","startTime":2195.08,"endTime":2198.1099999999997,"body":"impacted by this, like a two"},{"speaker":"Alan Smith","startTime":2195.08,"endTime":2198.1099999999997,"body":"kids at private school at the"},{"speaker":"Alan Smith","startTime":2198.1099999999997,"endTime":2203.0,"body":"moment, increasing their fees by"},{"speaker":"Alan Smith","startTime":2198.1099999999997,"endTime":2203.0,"body":"20%. What there are is at the"},{"speaker":"Alan Smith","startTime":2203.0,"endTime":2206.21,"body":"schools, I go to the various"},{"speaker":"Alan Smith","startTime":2203.0,"endTime":2206.21,"body":"events in the sports days and"},{"speaker":"Alan Smith","startTime":2206.21,"endTime":2209.06,"body":"stuff, you meet a lot of the"},{"speaker":"Alan Smith","startTime":2206.21,"endTime":2209.06,"body":"other parents. And there's"},{"speaker":"Alan Smith","startTime":2209.06,"endTime":2211.94,"body":"certainly a number of them who"},{"speaker":"Alan Smith","startTime":2209.06,"endTime":2211.94,"body":"are aspiration, who are just"},{"speaker":"Alan Smith","startTime":2211.94,"endTime":2214.7,"body":"about affordability, everything"},{"speaker":"Alan Smith","startTime":2211.94,"endTime":2214.7,"body":"that they can, because you're a"},{"speaker":"Alan Smith","startTime":2214.7,"endTime":2218.54,"body":"particularly ones who have come"},{"speaker":"Alan Smith","startTime":2214.7,"endTime":2218.54,"body":"from an immigrant history, and"},{"speaker":"Alan Smith","startTime":2218.54,"endTime":2220.6099999999997,"body":"their parents and their"},{"speaker":"Alan Smith","startTime":2218.54,"endTime":2220.6099999999997,"body":"grandparents told them all about"},{"speaker":"Alan Smith","startTime":2220.6099999999997,"endTime":2222.77,"body":"education, it's all about"},{"speaker":"Alan Smith","startTime":2220.6099999999997,"endTime":2222.77,"body":"education. And these people are"},{"speaker":"Alan Smith","startTime":2222.77,"endTime":2225.08,"body":"the mums and mum and dad are"},{"speaker":"Alan Smith","startTime":2222.77,"endTime":2225.08,"body":"both working and are putting"},{"speaker":"Alan Smith","startTime":2225.08,"endTime":2227.45,"body":"under no doubt they are"},{"speaker":"Alan Smith","startTime":2225.08,"endTime":2227.45,"body":"compromised a lot of their other"},{"speaker":"Alan Smith","startTime":2227.48,"endTime":2230.6,"body":"parts of their life, to make"},{"speaker":"Alan Smith","startTime":2227.48,"endTime":2230.6,"body":"sure their kids get the very"},{"speaker":"Alan Smith","startTime":2230.6,"endTime":2233.81,"body":"best education that they can"},{"speaker":"Alan Smith","startTime":2230.6,"endTime":2233.81,"body":"just about afford. And that's a"},{"speaker":"Alan Smith","startTime":2233.81,"endTime":2236.66,"body":"big slap in the face to those"},{"speaker":"Alan Smith","startTime":2233.81,"endTime":2236.66,"body":"people. And there's a lot of"},{"speaker":"Alan Smith","startTime":2236.66,"endTime":2239.0,"body":"other parents who are there who"},{"speaker":"Alan Smith","startTime":2236.66,"endTime":2239.0,"body":"are just International,"},{"speaker":"Alan Smith","startTime":2239.0,"endTime":2241.8199999999997,"body":"obviously, I mean, London has a"},{"speaker":"Alan Smith","startTime":2239.0,"endTime":2241.8199999999997,"body":"lot of international parents,"},{"speaker":"Alan Smith","startTime":2241.85,"endTime":2243.47,"body":"and the school fees are"},{"speaker":"Alan Smith","startTime":2241.85,"endTime":2243.47,"body":"effectively paid by the"},{"speaker":"Alan Smith","startTime":2243.47,"endTime":2246.08,"body":"corporate, the company the cut,"},{"speaker":"Alan Smith","startTime":2243.47,"endTime":2246.08,"body":"if they're, you know, they're"},{"speaker":"Alan Smith","startTime":2246.08,"endTime":2248.45,"body":"working for American bank or"},{"speaker":"Alan Smith","startTime":2246.08,"endTime":2248.45,"body":"something like that. And so in"},{"speaker":"Alan Smith","startTime":2248.45,"endTime":2251.2999999999997,"body":"the UK and London for three"},{"speaker":"Alan Smith","startTime":2248.45,"endTime":2251.2999999999997,"body":"years, so that will make any"},{"speaker":"Alan Smith","startTime":2251.2999999999997,"endTime":2254.06,"body":"impact to them whatsoever. So I"},{"speaker":"Alan Smith","startTime":2251.2999999999997,"endTime":2254.06,"body":"think they're going after the"},{"speaker":"Alan Smith","startTime":2254.06,"endTime":2256.5499999999997,"body":"wrong people. They're going"},{"speaker":"Alan Smith","startTime":2254.06,"endTime":2256.5499999999997,"body":"after often very aspirational"},{"speaker":"Alan Smith","startTime":2256.5499999999997,"endTime":2259.73,"body":"people, I don't care how much"},{"speaker":"Alan Smith","startTime":2256.5499999999997,"endTime":2259.73,"body":"money you earn, if you're"},{"speaker":"Alan Smith","startTime":2259.73,"endTime":2261.89,"body":"earning a lot of money, you're"},{"speaker":"Alan Smith","startTime":2259.73,"endTime":2261.89,"body":"already paying a huge amount of"},{"speaker":"Alan Smith","startTime":2261.89,"endTime":2265.6099999999997,"body":"tax and personal tax, and"},{"speaker":"Alan Smith","startTime":2261.89,"endTime":2265.6099999999997,"body":"probably capital gains tax VAT,"},{"speaker":"Alan Smith","startTime":2265.6099999999997,"endTime":2270.83,"body":"etc. It just feels very unfair"},{"speaker":"Alan Smith","startTime":2265.6099999999997,"endTime":2270.83,"body":"to go after education, which is"},{"speaker":"Alan Smith","startTime":2270.83,"endTime":2273.47,"body":"the you know, this is the"},{"speaker":"Alan Smith","startTime":2270.83,"endTime":2273.47,"body":"building block of any sort of"},{"speaker":"Alan Smith","startTime":2273.47,"endTime":2276.74,"body":"modern civilized societies to"},{"speaker":"Alan Smith","startTime":2273.47,"endTime":2276.74,"body":"educate next generation of"},{"speaker":"Alan Smith","startTime":2276.74,"endTime":2279.2,"body":"children. And obviously, it"},{"speaker":"Alan Smith","startTime":2276.74,"endTime":2279.2,"body":"takes the pressure off the state"},{"speaker":"Alan Smith","startTime":2279.2,"endTime":2285.02,"body":"system as well by not having all"},{"speaker":"Alan Smith","startTime":2279.2,"endTime":2285.02,"body":"these kids going to public"},{"speaker":"Alan Smith","startTime":2285.02,"endTime":2288.29,"body":"schools. So I think it's very,"},{"speaker":"Alan Smith","startTime":2285.02,"endTime":2288.29,"body":"it's misjudge. Obviously we're"},{"speaker":"Alan Smith","startTime":2288.29,"endTime":2290.66,"body":"speculating on what may or may"},{"speaker":"Alan Smith","startTime":2288.29,"endTime":2290.66,"body":"not happen, but it certainly"},{"speaker":"Alan Smith","startTime":2290.66,"endTime":2293.5099999999998,"body":"seems to be part of their"},{"speaker":"Alan Smith","startTime":2290.66,"endTime":2293.5099999999998,"body":"agenda. One last thing I'll"},{"speaker":"Alan Smith","startTime":2293.5099999999998,"endTime":2295.79,"body":"throw in here, I'm not a"},{"speaker":"Alan Smith","startTime":2293.5099999999998,"endTime":2295.79,"body":"particular fan of current"},{"speaker":"Alan Smith","startTime":2295.79,"endTime":2299.39,"body":"government. But I did see our"},{"speaker":"Alan Smith","startTime":2295.79,"endTime":2299.39,"body":"prime minister interview Elon"},{"speaker":"Alan Smith","startTime":2299.39,"endTime":2304.1,"body":"Musk and AI conference in London"},{"speaker":"Alan Smith","startTime":2299.39,"endTime":2304.1,"body":"recently. And he was very"},{"speaker":"Alan Smith","startTime":2304.1,"endTime":2306.68,"body":"impressive. Rishi was very"},{"speaker":"Alan Smith","startTime":2304.1,"endTime":2306.68,"body":"impressive. He had a"},{"speaker":"Alan Smith","startTime":2306.68,"endTime":2310.52,"body":"conversation with Elon Musk,"},{"speaker":"Alan Smith","startTime":2306.68,"endTime":2310.52,"body":"that I don't think any other"},{"speaker":"Alan Smith","startTime":2310.52,"endTime":2313.0699999999997,"body":"political leader in the world"},{"speaker":"Alan Smith","startTime":2310.52,"endTime":2313.0699999999997,"body":"could have in terms of his level"},{"speaker":"Alan Smith","startTime":2313.0699999999997,"endTime":2315.7999999999997,"body":"of intelligence, his intellect,"},{"speaker":"Alan Smith","startTime":2313.0699999999997,"endTime":2315.7999999999997,"body":"his ability to discuss some very"},{"speaker":"Alan Smith","startTime":2315.7999999999997,"endTime":2320.33,"body":"complex issues. I thought was"},{"speaker":"Alan Smith","startTime":2315.7999999999997,"endTime":2320.33,"body":"that was fabulous. And Rishi"},{"speaker":"Alan Smith","startTime":2320.33,"endTime":2323.9,"body":"went up a degree to, in my"},{"speaker":"Alan Smith","startTime":2320.33,"endTime":2323.9,"body":"estimation, through through that"},{"speaker":"Alan Smith","startTime":2323.9,"endTime":2324.02,"body":"I"},{"speaker":"Carl Widger","startTime":2324.02,"endTime":2326.42,"body":"watch, I watched"},{"speaker":"Carl Widger","startTime":2324.02,"endTime":2326.42,"body":"that out. And it was it's"},{"speaker":"Carl Widger","startTime":2326.42,"endTime":2329.8399999999997,"body":"essential viewing, right. It's a"},{"speaker":"Carl Widger","startTime":2326.42,"endTime":2329.8399999999997,"body":"really, really fantastic"},{"speaker":"Carl Widger","startTime":2329.8399999999997,"endTime":2333.1099999999997,"body":"interview. I think it's 50 or 55"},{"speaker":"Carl Widger","startTime":2329.8399999999997,"endTime":2333.1099999999997,"body":"minutes. Yeah. However, to say"},{"speaker":"Carl Widger","startTime":2333.1099999999997,"endTime":2335.48,"body":"that no other leader in the"},{"speaker":"Carl Widger","startTime":2333.1099999999997,"endTime":2335.48,"body":"world could have conducted the"},{"speaker":"Carl Widger","startTime":2335.48,"endTime":2339.8599999999997,"body":"interview like he did. I think"},{"speaker":"Carl Widger","startTime":2335.48,"endTime":2339.8599999999997,"body":"that's a stretch too far. off"},{"speaker":"Carl Widger","startTime":2339.8599999999997,"endTime":2344.3599999999997,"body":"top your head now. I would say"},{"speaker":"Carl Widger","startTime":2339.8599999999997,"endTime":2344.3599999999997,"body":"Leo Varadkar from Ireland could"},{"speaker":"Carl Widger","startTime":2344.39,"endTime":2348.02,"body":"definitely have conducted the"},{"speaker":"Carl Widger","startTime":2344.39,"endTime":2348.02,"body":"same interview. I think,"},{"speaker":"Alan Smith","startTime":2348.0499999999997,"endTime":2350.96,"body":"I don't know. I"},{"speaker":"Alan Smith","startTime":2348.0499999999997,"endTime":2350.96,"body":"don't know him. I obviously can"},{"speaker":"Alan Smith","startTime":2350.96,"endTime":2354.83,"body":"Joe Biden. I'm thinking of you"},{"speaker":"Alan Smith","startTime":2350.96,"endTime":2354.83,"body":"know, other Trump in days gone"},{"speaker":"Alan Smith","startTime":2354.83,"endTime":2360.62,"body":"past. Maybe you're Irish in"},{"speaker":"Alan Smith","startTime":2354.83,"endTime":2360.62,"body":"America? I think I'm thinking in"},{"speaker":"Alan Smith","startTime":2360.62,"endTime":2364.4,"body":"Europe. I'm thinking I don't"},{"speaker":"Alan Smith","startTime":2360.62,"endTime":2364.4,"body":"know if the French which column"},{"speaker":"Alan Smith","startTime":2364.43,"endTime":2366.92,"body":"could do it. But anyway, I just"},{"speaker":"Alan Smith","startTime":2364.43,"endTime":2366.92,"body":"thought he was impressive. And"},{"speaker":"Alan Smith","startTime":2366.92,"endTime":2371.9,"body":"the last thing it relates to"},{"speaker":"Alan Smith","startTime":2366.92,"endTime":2371.9,"body":"your issue on tax, Nick, someone"},{"speaker":"Alan Smith","startTime":2371.9,"endTime":2376.0699999999997,"body":"asked a question. And an Elon"},{"speaker":"Alan Smith","startTime":2371.9,"endTime":2376.0699999999997,"body":"specifically raised about"},{"speaker":"Alan Smith","startTime":2376.0699999999997,"endTime":2378.5,"body":"entrepreneurs and business"},{"speaker":"Alan Smith","startTime":2376.0699999999997,"endTime":2378.5,"body":"owners. And he said, it was"},{"speaker":"Alan Smith","startTime":2378.5,"endTime":2381.3199999999997,"body":"brilliant. He just said so that"},{"speaker":"Alan Smith","startTime":2378.5,"endTime":2381.3199999999997,"body":"the model is you put all your"},{"speaker":"Alan Smith","startTime":2381.3199999999997,"endTime":2385.19,"body":"life savings and three to five"},{"speaker":"Alan Smith","startTime":2381.3199999999997,"endTime":2385.19,"body":"years of really hard work into a"},{"speaker":"Alan Smith","startTime":2385.19,"endTime":2388.64,"body":"new business venture. And"},{"speaker":"Alan Smith","startTime":2385.19,"endTime":2388.64,"body":"there's 90% possibility that"},{"speaker":"Alan Smith","startTime":2388.64,"endTime":2392.39,"body":"you'll fail and lose everything,"},{"speaker":"Alan Smith","startTime":2388.64,"endTime":2392.39,"body":"which is which is the whole kind"},{"speaker":"Alan Smith","startTime":2392.39,"endTime":2396.3199999999997,"body":"of entrepreneur founder"},{"speaker":"Alan Smith","startTime":2392.39,"endTime":2396.3199999999997,"body":"challenge. And so an Elon"},{"speaker":"Alan Smith","startTime":2396.3199999999997,"endTime":2399.17,"body":"himself is making the point,"},{"speaker":"Alan Smith","startTime":2396.3199999999997,"endTime":2399.17,"body":"you've got to reward success,"},{"speaker":"Alan Smith","startTime":2399.17,"endTime":2401.42,"body":"you know, in other words, so"},{"speaker":"Alan Smith","startTime":2399.17,"endTime":2401.42,"body":"don't go after entrepreneurs"},{"speaker":"Alan Smith","startTime":2401.42,"endTime":2404.06,"body":"relief, if you've absolutely"},{"speaker":"Alan Smith","startTime":2401.42,"endTime":2404.06,"body":"managed to be one of the very"},{"speaker":"Alan Smith","startTime":2404.06,"endTime":2407.06,"body":"few who start a business and"},{"speaker":"Alan Smith","startTime":2404.06,"endTime":2407.06,"body":"grow it but all your life"},{"speaker":"Alan Smith","startTime":2407.06,"endTime":2409.7,"body":"savings and you hire people, you"},{"speaker":"Alan Smith","startTime":2407.06,"endTime":2409.7,"body":"pay your taxes, if you manage to"},{"speaker":"Alan Smith","startTime":2409.7,"endTime":2413.9,"body":"sell it at some stage, you know,"},{"speaker":"Alan Smith","startTime":2409.7,"endTime":2413.9,"body":"don't take away this small"},{"speaker":"Alan Smith","startTime":2413.9,"endTime":2417.74,"body":"benefit that exists in the UK,"},{"speaker":"Alan Smith","startTime":2413.9,"endTime":2417.74,"body":"in terms of entrepreneurs relief"},{"speaker":"Alan Smith","startTime":2417.74,"endTime":2419.87,"body":"from capital gains tax. So it"},{"speaker":"Alan Smith","startTime":2417.74,"endTime":2419.87,"body":"was a great interview. And as"},{"speaker":"Alan Smith","startTime":2419.87,"endTime":2422.54,"body":"you say, it's essential"},{"speaker":"Alan Smith","startTime":2419.87,"endTime":2422.54,"body":"listening. Yeah,"},{"speaker":"Nick Lincoln","startTime":2422.5699999999997,"endTime":2424.25,"body":"and also talking"},{"speaker":"Nick Lincoln","startTime":2422.5699999999997,"endTime":2424.25,"body":"about the US and then"},{"speaker":"Nick Lincoln","startTime":2424.8199999999997,"endTime":2427.58,"body":"regulations and throw this in on"},{"speaker":"Nick Lincoln","startTime":2424.8199999999997,"endTime":2427.58,"body":"Andy's point about the FCA"},{"speaker":"Nick Lincoln","startTime":2427.58,"endTime":2430.2799999999997,"body":"regulating crypto, you see that"},{"speaker":"Nick Lincoln","startTime":2427.58,"endTime":2430.2799999999997,"body":"they're all in pot. They're"},{"speaker":"Nick Lincoln","startTime":2430.2799999999997,"endTime":2433.67,"body":"livid about this, this this US"},{"speaker":"Nick Lincoln","startTime":2430.2799999999997,"endTime":2433.67,"body":"legislation where they're going"},{"speaker":"Nick Lincoln","startTime":2433.67,"endTime":2437.66,"body":"to try and regulate AI and it's"},{"speaker":"Nick Lincoln","startTime":2433.67,"endTime":2437.66,"body":"just like, you know, wow, you"},{"speaker":"Nick Lincoln","startTime":2437.66,"endTime":2439.6099999999997,"body":"know, that will be the death of"},{"speaker":"Nick Lincoln","startTime":2437.66,"endTime":2439.6099999999997,"body":"AI."},{"speaker":"Carl Widger","startTime":2440.69,"endTime":2443.42,"body":"If if, but that was"},{"speaker":"Carl Widger","startTime":2440.69,"endTime":2443.42,"body":"kind of a lot of that. That's"},{"speaker":"Carl Widger","startTime":2443.42,"endTime":2447.29,"body":"why Musk was in London was to"},{"speaker":"Carl Widger","startTime":2443.42,"endTime":2447.29,"body":"kind of set some regulation"},{"speaker":"Carl Widger","startTime":2447.29,"endTime":2452.0299999999997,"body":"rules around AI so that there's"},{"speaker":"Carl Widger","startTime":2447.29,"endTime":2452.0299999999997,"body":"AI remains a good thing as"},{"speaker":"Carl Widger","startTime":2452.0299999999997,"endTime":2455.39,"body":"opposed to having the bad actors"},{"speaker":"Carl Widger","startTime":2452.0299999999997,"endTime":2455.39,"body":"coming into AI. I think there's"},{"speaker":"Carl Widger","startTime":2455.39,"endTime":2459.89,"body":"a lot of relevance to that. I"},{"speaker":"Carl Widger","startTime":2455.39,"endTime":2459.89,"body":"think that is a that's a real"},{"speaker":"Carl Widger","startTime":2459.89,"endTime":2466.4,"body":"thing. Because if AI takes the"},{"speaker":"Carl Widger","startTime":2459.89,"endTime":2466.4,"body":"the legs that Elon Musk thinks"},{"speaker":"Carl Widger","startTime":2466.4,"endTime":2469.88,"body":"it's going to do by Christ, we"},{"speaker":"Carl Widger","startTime":2466.4,"endTime":2469.88,"body":"do need to regulate it. There's"},{"speaker":"Carl Widger","startTime":2469.91,"endTime":2470.8399999999997,"body":"absolutely no no"},{"speaker":"Nick Lincoln","startTime":2470.8399999999997,"endTime":2473.69,"body":"no I'm"},{"speaker":"Nick Lincoln","startTime":2470.8399999999997,"endTime":2473.69,"body":"fundamentally just the US"},{"speaker":"Nick Lincoln","startTime":2473.69,"endTime":2476.72,"body":"legislation as it's being muted"},{"speaker":"Nick Lincoln","startTime":2473.69,"endTime":2476.72,"body":"is that the EU US government"},{"speaker":"Nick Lincoln","startTime":2476.72,"endTime":2480.23,"body":"decides what's bad and what's"},{"speaker":"Nick Lincoln","startTime":2476.72,"endTime":2480.23,"body":"good and what's not. And so now"},{"speaker":"Nick Lincoln","startTime":2480.23,"endTime":2482.81,"body":"you've now you've suddenly"},{"speaker":"Nick Lincoln","startTime":2480.23,"endTime":2482.81,"body":"politicized this whole thing,"},{"speaker":"Nick Lincoln","startTime":2482.81,"endTime":2486.5899999999997,"body":"and you're going to Well, I"},{"speaker":"Nick Lincoln","startTime":2482.81,"endTime":2486.5899999999997,"body":"think, before we Musk was there,"},{"speaker":"Nick Lincoln","startTime":2486.5899999999997,"endTime":2488.66,"body":"you know, the Democrat party in"},{"speaker":"Nick Lincoln","startTime":2486.5899999999997,"endTime":2488.66,"body":"particular, we're working in"},{"speaker":"Nick Lincoln","startTime":2488.66,"endTime":2492.29,"body":"cahoots with Jack Dorsey. And"},{"speaker":"Nick Lincoln","startTime":2488.66,"endTime":2492.29,"body":"and it's all out. And this is"},{"speaker":"Nick Lincoln","startTime":2492.29,"endTime":2495.0499999999997,"body":"not me speculating, this has"},{"speaker":"Nick Lincoln","startTime":2492.29,"endTime":2495.0499999999997,"body":"been proven by the Twitter files"},{"speaker":"Nick Lincoln","startTime":2495.0499999999997,"endTime":2496.73,"body":"and they will stick to any"},{"speaker":"Nick Lincoln","startTime":2495.0499999999997,"endTime":2496.73,"body":"level."},{"speaker":"Carl Widger","startTime":2498.89,"endTime":2501.62,"body":"And that is a case"},{"speaker":"Carl Widger","startTime":2498.89,"endTime":2501.62,"body":"of, I suppose, Musk is trying to"},{"speaker":"Carl Widger","startTime":2501.62,"endTime":2505.7,"body":"fix that. And I know there's"},{"speaker":"Carl Widger","startTime":2501.62,"endTime":2505.7,"body":"pros and cons of Elon Musk for"},{"speaker":"Carl Widger","startTime":2505.7,"endTime":2509.81,"body":"sure. But I think listen to that"},{"speaker":"Carl Widger","startTime":2505.7,"endTime":2509.81,"body":"are watched that interview with"},{"speaker":"Carl Widger","startTime":2510.5899999999997,"endTime":2515.66,"body":"Rishi Sunak. And Elon Musk, I"},{"speaker":"Carl Widger","startTime":2510.5899999999997,"endTime":2515.66,"body":"think this is this is going to"},{"speaker":"Carl Widger","startTime":2515.66,"endTime":2519.41,"body":"go to places none of us can"},{"speaker":"Carl Widger","startTime":2515.66,"endTime":2519.41,"body":"actually imagine. It's it's just"},{"speaker":"Carl Widger","startTime":2519.44,"endTime":2523.1,"body":"absolutely incredible what's"},{"speaker":"Carl Widger","startTime":2519.44,"endTime":2523.1,"body":"going to happen in our lifetime."},{"speaker":"Carl Widger","startTime":2523.16,"endTime":2526.3399999999997,"body":"This isn't like gonna happen in"},{"speaker":"Carl Widger","startTime":2523.16,"endTime":2526.3399999999997,"body":"100 years, this is gonna happen"},{"speaker":"Carl Widger","startTime":2526.37,"endTime":2530.99,"body":"in the next over the next few"},{"speaker":"Carl Widger","startTime":2526.37,"endTime":2530.99,"body":"years. And the potential for"},{"speaker":"Carl Widger","startTime":2530.99,"endTime":2537.23,"body":"this to go wrong is quite large."},{"speaker":"Carl Widger","startTime":2530.99,"endTime":2537.23,"body":"And I suppose the, the the scale"},{"speaker":"Carl Widger","startTime":2537.2599999999998,"endTime":2541.7,"body":"of, you know, evil that could be"},{"speaker":"Carl Widger","startTime":2537.2599999999998,"endTime":2541.7,"body":"out there is is is a little bit"},{"speaker":"Carl Widger","startTime":2541.7,"endTime":2545.24,"body":"scary. They did sign I think an"},{"speaker":"Carl Widger","startTime":2541.7,"endTime":2545.24,"body":"agreement and China signed the"},{"speaker":"Carl Widger","startTime":2545.24,"endTime":2548.06,"body":"agreement and the UK signed the"},{"speaker":"Carl Widger","startTime":2545.24,"endTime":2548.06,"body":"agreement. I think the US signed"},{"speaker":"Carl Widger","startTime":2548.06,"endTime":2551.06,"body":"the agreement, but I'm not"},{"speaker":"Carl Widger","startTime":2548.06,"endTime":2551.06,"body":"entirely sure. So just just to"},{"speaker":"Carl Widger","startTime":2551.06,"endTime":2554.75,"body":"try and set some framework"},{"speaker":"Carl Widger","startTime":2551.06,"endTime":2554.75,"body":"around it. And I think if it's"},{"speaker":"Carl Widger","startTime":2554.75,"endTime":2558.95,"body":"not just the US deciding, Nick,"},{"speaker":"Carl Widger","startTime":2554.75,"endTime":2558.95,"body":"if it's kind of the government's"},{"speaker":"Carl Widger","startTime":2558.98,"endTime":2561.65,"body":"globally, I think that's"},{"speaker":"Carl Widger","startTime":2558.98,"endTime":2561.65,"body":"probably a good thing. Anyway,"},{"speaker":"Carl Widger","startTime":2561.65,"endTime":2562.58,"body":"time will tell I guess."},{"speaker":"Nick Lincoln","startTime":2564.109,"endTime":2568.489,"body":"Okay, great stuff."},{"speaker":"Nick Lincoln","startTime":2564.109,"endTime":2568.489,"body":"Thank you. Oh, yes. Sticking"},{"speaker":"Nick Lincoln","startTime":2568.489,"endTime":2571.159,"body":"with you watch. You. I think"},{"speaker":"Nick Lincoln","startTime":2568.489,"endTime":2571.159,"body":"yesterday, you put under our"},{"speaker":"Nick Lincoln","startTime":2571.159,"endTime":2574.669,"body":"noses they an article about the"},{"speaker":"Nick Lincoln","startTime":2571.159,"endTime":2574.669,"body":"St. James's place adviser who"},{"speaker":"Nick Lincoln","startTime":2574.669,"endTime":2575.959,"body":"couldn't pay back his business"},{"speaker":"Nick Lincoln","startTime":2574.669,"endTime":2575.959,"body":"loan?"},{"speaker":"Carl Widger","startTime":2576.47,"endTime":2579.77,"body":"Yeah. So I actually"},{"speaker":"Carl Widger","startTime":2576.47,"endTime":2579.77,"body":"I got Sunday Times yesterday."},{"speaker":"Carl Widger","startTime":2579.77,"endTime":2582.62,"body":"And this wasn't in the Irish"},{"speaker":"Carl Widger","startTime":2579.77,"endTime":2582.62,"body":"version of the Sunday Times. So"},{"speaker":"Carl Widger","startTime":2583.16,"endTime":2584.96,"body":"I did something I shouldn't have"},{"speaker":"Carl Widger","startTime":2583.16,"endTime":2584.96,"body":"been doing. I was looking at"},{"speaker":"Carl Widger","startTime":2584.96,"endTime":2588.8599999999997,"body":"LinkedIn on a Sunday. And a"},{"speaker":"Carl Widger","startTime":2584.96,"endTime":2588.8599999999997,"body":"couple of I'm connected with a"},{"speaker":"Carl Widger","startTime":2588.8599999999997,"endTime":2591.35,"body":"lot of probably through this"},{"speaker":"Carl Widger","startTime":2588.8599999999997,"endTime":2591.35,"body":"podcast with a lot of UK"},{"speaker":"Carl Widger","startTime":2591.35,"endTime":2594.83,"body":"advisors. And people in the"},{"speaker":"Carl Widger","startTime":2591.35,"endTime":2594.83,"body":"financial services industry in"},{"speaker":"Carl Widger","startTime":2594.83,"endTime":2601.37,"body":"the UK. And three or four times,"},{"speaker":"Carl Widger","startTime":2594.83,"endTime":2601.37,"body":"people I'm connected with, had"},{"speaker":"Carl Widger","startTime":2601.37,"endTime":2605.99,"body":"put up this article from The"},{"speaker":"Carl Widger","startTime":2601.37,"endTime":2605.99,"body":"Sunday Times yesterday, where as"},{"speaker":"Carl Widger","startTime":2606.02,"endTime":2611.0,"body":"an SGP advisor basically went to"},{"speaker":"Carl Widger","startTime":2606.02,"endTime":2611.0,"body":"the Sunday Times and said, Oh,"},{"speaker":"Carl Widger","startTime":2611.0299999999997,"endTime":2614.54,"body":"look at this, this is a"},{"speaker":"Carl Widger","startTime":2611.0299999999997,"endTime":2614.54,"body":"disgrace, SGP loaned me some"},{"speaker":"Carl Widger","startTime":2614.54,"endTime":2618.38,"body":"money to buy a book business."},{"speaker":"Carl Widger","startTime":2614.54,"endTime":2618.38,"body":"And I basically couldn't pay it"},{"speaker":"Carl Widger","startTime":2618.38,"endTime":2621.3199999999997,"body":"back. And then they put a lot of"},{"speaker":"Carl Widger","startTime":2618.38,"endTime":2621.3199999999997,"body":"pressure on me to pay the money"},{"speaker":"Carl Widger","startTime":2621.3199999999997,"endTime":2625.4,"body":"back, because I ordered to them."},{"speaker":"Carl Widger","startTime":2621.3199999999997,"endTime":2625.4,"body":"And all of the comments on"},{"speaker":"Carl Widger","startTime":2625.4,"endTime":2629.75,"body":"LinkedIn I saw were all"},{"speaker":"Carl Widger","startTime":2625.4,"endTime":2629.75,"body":"basically gone. Terrible SJP,"},{"speaker":"Carl Widger","startTime":2629.75,"endTime":2634.3399999999997,"body":"the big bully boys and whatever."},{"speaker":"Carl Widger","startTime":2629.75,"endTime":2634.3399999999997,"body":"And maybe it's because SJP"},{"speaker":"Carl Widger","startTime":2634.3399999999997,"endTime":2638.96,"body":"aren't in Ireland that I can"},{"speaker":"Carl Widger","startTime":2634.3399999999997,"endTime":2638.96,"body":"actually have the power of the"},{"speaker":"Carl Widger","startTime":2638.96,"endTime":2643.1,"body":"dark side. Yeah, but that's"},{"speaker":"Carl Widger","startTime":2638.96,"endTime":2643.1,"body":"actually the point, right? I"},{"speaker":"Carl Widger","startTime":2643.1,"endTime":2645.89,"body":"don't believe they are the dark"},{"speaker":"Carl Widger","startTime":2643.1,"endTime":2645.89,"body":"side. I think they're fantastic"},{"speaker":"Carl Widger","startTime":2645.89,"endTime":2651.2,"body":"business, like every other"},{"speaker":"Carl Widger","startTime":2645.89,"endTime":2651.2,"body":"business, in financial services."},{"speaker":"Carl Widger","startTime":2651.2599999999998,"endTime":2655.19,"body":"And I suppose every industry,"},{"speaker":"Carl Widger","startTime":2651.2599999999998,"endTime":2655.19,"body":"they have their good points, and"},{"speaker":"Carl Widger","startTime":2655.19,"endTime":2658.85,"body":"they have their bad points,"},{"speaker":"Carl Widger","startTime":2655.19,"endTime":2658.85,"body":"right. But an advisor running to"},{"speaker":"Carl Widger","startTime":2658.85,"endTime":2663.2,"body":"the newspaper because he"},{"speaker":"Carl Widger","startTime":2658.85,"endTime":2663.2,"body":"couldn't pay back money. Under a"},{"speaker":"Carl Widger","startTime":2663.2,"endTime":2667.13,"body":"model that's very, very well"},{"speaker":"Carl Widger","startTime":2663.2,"endTime":2667.13,"body":"known. I know what the model is,"},{"speaker":"Carl Widger","startTime":2667.13,"endTime":2669.83,"body":"you boys know what the model is"},{"speaker":"Carl Widger","startTime":2667.13,"endTime":2669.83,"body":"about, you know, you you buy"},{"speaker":"Carl Widger","startTime":2669.83,"endTime":2672.56,"body":"another advisor who's retiring"},{"speaker":"Carl Widger","startTime":2669.83,"endTime":2672.56,"body":"and they give you the money and,"},{"speaker":"Carl Widger","startTime":2673.13,"endTime":2675.62,"body":"and he basically one of the"},{"speaker":"Carl Widger","startTime":2673.13,"endTime":2675.62,"body":"points he was making was an"},{"speaker":"Carl Widger","startTime":2675.62,"endTime":2679.49,"body":"interest rates went up. And I'm"},{"speaker":"Carl Widger","startTime":2675.62,"endTime":2679.49,"body":"like, for Christ's sake, man, if"},{"speaker":"Carl Widger","startTime":2679.52,"endTime":2682.88,"body":"you didn't do the maths to kind"},{"speaker":"Carl Widger","startTime":2679.52,"endTime":2682.88,"body":"of, you know, factor in well, if"},{"speaker":"Carl Widger","startTime":2682.88,"endTime":2686.33,"body":"interest rates right were"},{"speaker":"Carl Widger","startTime":2682.88,"endTime":2686.33,"body":"rising, or if they if they went"},{"speaker":"Carl Widger","startTime":2686.33,"endTime":2690.56,"body":"up, then, you know, am I going"},{"speaker":"Carl Widger","startTime":2686.33,"endTime":2690.56,"body":"to be able to afford it? And I"},{"speaker":"Carl Widger","startTime":2690.56,"endTime":2694.8199999999997,"body":"just thought the commentary from"},{"speaker":"Carl Widger","startTime":2690.56,"endTime":2694.8199999999997,"body":"the IFA market in the UK"},{"speaker":"Carl Widger","startTime":2694.8199999999997,"endTime":2698.96,"body":"basically supporting this"},{"speaker":"Carl Widger","startTime":2694.8199999999997,"endTime":2698.96,"body":"advisor and slating the SGP, was"},{"speaker":"Carl Widger","startTime":2698.96,"endTime":2704.06,"body":"all wrong. I thought, This isn't"},{"speaker":"Carl Widger","startTime":2698.96,"endTime":2704.06,"body":"balanced at all. This guy needs"},{"speaker":"Carl Widger","startTime":2704.06,"endTime":2706.31,"body":"to take an awful lot of"},{"speaker":"Carl Widger","startTime":2704.06,"endTime":2706.31,"body":"responsibility for what went"},{"speaker":"Carl Widger","startTime":2706.31,"endTime":2709.0699999999997,"body":"wrong and why you run into the"},{"speaker":"Carl Widger","startTime":2706.31,"endTime":2709.0699999999997,"body":"newspaper because they look for"},{"speaker":"Carl Widger","startTime":2709.0699999999997,"endTime":2712.64,"body":"the money back that they gave"},{"speaker":"Carl Widger","startTime":2709.0699999999997,"endTime":2712.64,"body":"you a new sign up to the terms"},{"speaker":"Carl Widger","startTime":2712.64,"endTime":2716.39,"body":"and conditions. Yeah, sorry if"},{"speaker":"Carl Widger","startTime":2712.64,"endTime":2716.39,"body":"that pisses a lot of people off,"},{"speaker":"Carl Widger","startTime":2716.39,"endTime":2717.62,"body":"but come on, like"},{"speaker":"Nick Lincoln","startTime":2719.089,"endTime":2721.8489999999997,"body":"businessman"},{"speaker":"Nick Lincoln","startTime":2719.089,"endTime":2721.8489999999997,"body":"butchers business plan. Yeah,"},{"speaker":"Nick Lincoln","startTime":2721.879,"endTime":2723.319,"body":"correct. That's what it was."},{"speaker":"Andy Hart","startTime":2725.21,"endTime":2726.92,"body":"A couple of points."},{"speaker":"Andy Hart","startTime":2725.21,"endTime":2726.92,"body":"It was slightly different on"},{"speaker":"Andy Hart","startTime":2726.92,"endTime":2731.18,"body":"Twitter, Twitter, it was a bit"},{"speaker":"Andy Hart","startTime":2726.92,"endTime":2731.18,"body":"more sort of supporting SAP is"},{"speaker":"Andy Hart","startTime":2731.18,"endTime":2735.02,"body":"such again, failed. I mean, it's"},{"speaker":"Andy Hart","startTime":2731.18,"endTime":2735.02,"body":"peaked its peak journalism isn't"},{"speaker":"Andy Hart","startTime":2735.02,"endTime":2737.9,"body":"its peak mainstream media. Ali"},{"speaker":"Andy Hart","startTime":2735.02,"endTime":2737.9,"body":"Hussain loves these stories. I"},{"speaker":"Andy Hart","startTime":2737.9,"endTime":2740.81,"body":"mean, it wasn't balanced. I"},{"speaker":"Andy Hart","startTime":2737.9,"endTime":2740.81,"body":"mean, how many 10s Hundreds"},{"speaker":"Andy Hart","startTime":2740.96,"endTime":2744.65,"body":"1000s of successful loans have"},{"speaker":"Andy Hart","startTime":2740.96,"endTime":2744.65,"body":"been set up like this, you know"},{"speaker":"Andy Hart","startTime":2744.65,"endTime":2748.22,"body":"that they didn't cover any of"},{"speaker":"Andy Hart","startTime":2744.65,"endTime":2748.22,"body":"that. When I set up a business"},{"speaker":"Andy Hart","startTime":2748.22,"endTime":2750.5899999999997,"body":"when I was a mortgage broker at"},{"speaker":"Andy Hart","startTime":2748.22,"endTime":2750.5899999999997,"body":"24 and I was wearing my"},{"speaker":"Andy Hart","startTime":2750.5899999999997,"endTime":2754.1,"body":"polyester suit. I had to borrow"},{"speaker":"Andy Hart","startTime":2750.5899999999997,"endTime":2754.1,"body":"40,000 pounds from a bank and"},{"speaker":"Andy Hart","startTime":2754.13,"endTime":2756.65,"body":"sign a personal guarantee and"},{"speaker":"Andy Hart","startTime":2754.13,"endTime":2756.65,"body":"then get my ass out there and"},{"speaker":"Andy Hart","startTime":2756.65,"endTime":2760.19,"body":"try and pay it back. You know,"},{"speaker":"Andy Hart","startTime":2756.65,"endTime":2760.19,"body":"it's called business. You know,"},{"speaker":"Andy Hart","startTime":2760.19,"endTime":2762.41,"body":"I wasn't moaning saying you"},{"speaker":"Andy Hart","startTime":2760.19,"endTime":2762.41,"body":"know, how am I going to pay this"},{"speaker":"Andy Hart","startTime":2762.41,"endTime":2766.43,"body":"back? What have I got to do?"},{"speaker":"Andy Hart","startTime":2762.41,"endTime":2766.43,"body":"Yeah, we know the model that"},{"speaker":"Andy Hart","startTime":2766.7599999999998,"endTime":2771.56,"body":"also Transact and Virtus use"},{"speaker":"Andy Hart","startTime":2766.7599999999998,"endTime":2771.56,"body":"it's very successful. Yeah,"},{"speaker":"Andy Hart","startTime":2771.5899999999997,"endTime":2773.9,"body":"again, it's just peed"},{"speaker":"Andy Hart","startTime":2771.5899999999997,"endTime":2773.9,"body":"journalism. They love to find"},{"speaker":"Andy Hart","startTime":2773.93,"endTime":2775.79,"body":"Sony ridiculous angle. Look,"},{"speaker":"Carl Widger","startTime":2775.79,"endTime":2778.85,"body":"I Except Except to"},{"speaker":"Carl Widger","startTime":2775.79,"endTime":2778.85,"body":"peak journalism, but on the on,"},{"speaker":"Carl Widger","startTime":2778.85,"endTime":2782.81,"body":"you're right about that. And"},{"speaker":"Carl Widger","startTime":2778.85,"endTime":2782.81,"body":"they got seven newspapers,"},{"speaker":"Carl Widger","startTime":2782.81,"endTime":2786.56,"body":"right. So headlines and all that"},{"speaker":"Carl Widger","startTime":2782.81,"endTime":2786.56,"body":"kind of stuff and make the small"},{"speaker":"Carl Widger","startTime":2786.56,"endTime":2789.29,"body":"guy look like he's been bullied."},{"speaker":"Carl Widger","startTime":2786.56,"endTime":2789.29,"body":"It was more of the commentary"},{"speaker":"Carl Widger","startTime":2789.29,"endTime":2793.0099999999998,"body":"from the ifas. Basically saying,"},{"speaker":"Carl Widger","startTime":2789.29,"endTime":2793.0099999999998,"body":"Oh, this is terrible note of SJP"},{"speaker":"Carl Widger","startTime":2793.16,"endTime":2797.0299999999997,"body":"was the bit that surprised me."},{"speaker":"Carl Widger","startTime":2793.16,"endTime":2797.0299999999997,"body":"I'll be honest, it's"},{"speaker":"Nick Lincoln","startTime":2797.27,"endTime":2799.16,"body":"still an immense"},{"speaker":"Nick Lincoln","startTime":2797.27,"endTime":2799.16,"body":"trigger for a lot of people."},{"speaker":"Alan Smith","startTime":2799.19,"endTime":2802.79,"body":"It's a huge trigger."},{"speaker":"Alan Smith","startTime":2799.19,"endTime":2802.79,"body":"We know when we did the famous"},{"speaker":"Alan Smith","startTime":2802.79,"endTime":2807.2,"body":"SGP episode, that we got a bit"},{"speaker":"Alan Smith","startTime":2802.79,"endTime":2807.2,"body":"of flack from it from the"},{"speaker":"Alan Smith","startTime":2807.2,"endTime":2810.44,"body":"independent sector, because we"},{"speaker":"Alan Smith","startTime":2807.2,"endTime":2810.44,"body":"were kind of apologists for this"},{"speaker":"Alan Smith","startTime":2810.44,"endTime":2813.65,"body":"brand is company. But I stand by"},{"speaker":"Alan Smith","startTime":2810.44,"endTime":2813.65,"body":"everything that we said on that"},{"speaker":"Alan Smith","startTime":2813.65,"endTime":2817.46,"body":"we didn't we, we we criticize"},{"speaker":"Alan Smith","startTime":2813.65,"endTime":2817.46,"body":"where criticism was appropriate,"},{"speaker":"Alan Smith","startTime":2817.46,"endTime":2820.13,"body":"and we praise where praise was"},{"speaker":"Alan Smith","startTime":2817.46,"endTime":2820.13,"body":"appropriate. It's just, it's not"},{"speaker":"Alan Smith","startTime":2820.13,"endTime":2823.1,"body":"black and white. There's any you"},{"speaker":"Alan Smith","startTime":2820.13,"endTime":2823.1,"body":"could if you focus this amount"},{"speaker":"Alan Smith","startTime":2823.1,"endTime":2826.79,"body":"of attention on any advice,"},{"speaker":"Alan Smith","startTime":2823.1,"endTime":2826.79,"body":"business, my business even"},{"speaker":"Alan Smith","startTime":2826.88,"endTime":2830.06,"body":"matters, Norway, you find a few"},{"speaker":"Alan Smith","startTime":2826.88,"endTime":2830.06,"body":"negative points is true about"},{"speaker":"Alan Smith","startTime":2830.06,"endTime":2833.18,"body":"it. But your eye Ally has seen"},{"speaker":"Alan Smith","startTime":2830.06,"endTime":2833.18,"body":"in particular, the Sunday Times"},{"speaker":"Alan Smith","startTime":2833.18,"endTime":2837.2,"body":"specifically there is like every"},{"speaker":"Alan Smith","startTime":2833.18,"endTime":2837.2,"body":"week and has been for years."},{"speaker":"Alan Smith","startTime":2838.4,"endTime":2841.73,"body":"Whilst we're seeing this kind of"},{"speaker":"Alan Smith","startTime":2838.4,"endTime":2841.73,"body":"a quick side mentioned, because"},{"speaker":"Alan Smith","startTime":2841.73,"endTime":2845.96,"body":"we're talking about the you"},{"speaker":"Alan Smith","startTime":2841.73,"endTime":2845.96,"body":"taking when you were wearing a"},{"speaker":"Alan Smith","startTime":2845.96,"endTime":2849.2599999999998,"body":"cheap, polyester, cheap"},{"speaker":"Alan Smith","startTime":2845.96,"endTime":2849.2599999999998,"body":"polyester suit, and smelling of"},{"speaker":"Alan Smith","startTime":2849.2599999999998,"endTime":2853.43,"body":"desperation, as they described"},{"speaker":"Alan Smith","startTime":2849.2599999999998,"endTime":2853.43,"body":"you and your first meeting with"},{"speaker":"Alan Smith","startTime":2853.43,"endTime":2858.68,"body":"him. Just just a correction of"},{"speaker":"Alan Smith","startTime":2853.43,"endTime":2858.68,"body":"the episode last week, I think"},{"speaker":"Alan Smith","startTime":2858.68,"endTime":2861.02,"body":"it's a correction because"},{"speaker":"Alan Smith","startTime":2858.68,"endTime":2861.02,"body":"somebody I think we mentioned"},{"speaker":"Alan Smith","startTime":2861.02,"endTime":2864.29,"body":"when we were starting up in"},{"speaker":"Alan Smith","startTime":2861.02,"endTime":2864.29,"body":"business, and anyone starting"},{"speaker":"Alan Smith","startTime":2864.29,"endTime":2867.5299999999997,"body":"their own new independent advice"},{"speaker":"Alan Smith","startTime":2864.29,"endTime":2867.5299999999997,"body":"business you mentioned and the,"},{"speaker":"Alan Smith","startTime":2867.7999999999997,"endTime":2870.68,"body":"you're gonna need about 80,"},{"speaker":"Alan Smith","startTime":2867.7999999999997,"endTime":2870.68,"body":"grand 80,080 or 90,000. I"},{"speaker":"Andy Hart","startTime":2870.68,"endTime":2874.04,"body":"think you said Oh,"},{"speaker":"Andy Hart","startTime":2870.68,"endTime":2874.04,"body":"7000."},{"speaker":"Alan Smith","startTime":2874.3399999999997,"endTime":2877.0699999999997,"body":"Somebody contacted"},{"speaker":"Alan Smith","startTime":2874.3399999999997,"endTime":2877.0699999999997,"body":"me recently, somebody's thinking"},{"speaker":"Alan Smith","startTime":2877.0699999999997,"endTime":2880.3399999999997,"body":"of doing exactly this, then why"},{"speaker":"Alan Smith","startTime":2877.0699999999997,"endTime":2880.3399999999997,"body":"they didn't contact you? Well,"},{"speaker":"Alan Smith","startTime":2880.37,"endTime":2886.7,"body":"maybe I do know. Oh, and they"},{"speaker":"Alan Smith","startTime":2880.37,"endTime":2886.7,"body":"said, Is that Is that right? And"},{"speaker":"Alan Smith","startTime":2886.7,"endTime":2889.52,"body":"I said, because I didn't I"},{"speaker":"Alan Smith","startTime":2886.7,"endTime":2889.52,"body":"didn't really pay attention."},{"speaker":"Alan Smith","startTime":2890.24,"endTime":2892.73,"body":"When you mentioned it, I"},{"speaker":"Alan Smith","startTime":2890.24,"endTime":2892.73,"body":"thought, not at all. That's not"},{"speaker":"Alan Smith","startTime":2892.73,"endTime":2895.91,"body":"right. So you need 20 grand. I"},{"speaker":"Alan Smith","startTime":2892.73,"endTime":2895.91,"body":"think if you're going to go"},{"speaker":"Alan Smith","startTime":2895.91,"endTime":2899.45,"body":"directly authorized, you need"},{"speaker":"Alan Smith","startTime":2895.91,"endTime":2899.45,"body":"about 20 for capital adequacy."},{"speaker":"Alan Smith","startTime":2900.29,"endTime":2903.1099999999997,"body":"And the rest, I think you could"},{"speaker":"Alan Smith","startTime":2900.29,"endTime":2903.1099999999997,"body":"set up an AI their business for"},{"speaker":"Alan Smith","startTime":2903.14,"endTime":2905.66,"body":"well, under 10,000. You tell me"},{"speaker":"Alan Smith","startTime":2903.14,"endTime":2905.66,"body":"where are your costs and"},{"speaker":"Alan Smith","startTime":2905.66,"endTime":2908.66,"body":"overheads, regulatory costs and"},{"speaker":"Alan Smith","startTime":2905.66,"endTime":2908.66,"body":"stuff, but you don't need"},{"speaker":"Alan Smith","startTime":2908.66,"endTime":2909.65,"body":"70,000?"},{"speaker":"Andy Hart","startTime":2910.16,"endTime":2912.98,"body":"Do you? That's"},{"speaker":"Andy Hart","startTime":2910.16,"endTime":2912.98,"body":"basically what it costs me all"},{"speaker":"Andy Hart","startTime":2912.98,"endTime":2915.77,"body":"in with loss of wages, putting"},{"speaker":"Andy Hart","startTime":2912.98,"endTime":2915.77,"body":"the 20 grand in the bank getting"},{"speaker":"Andy Hart","startTime":2915.77,"endTime":2918.17,"body":"a slightly different office, it"},{"speaker":"Andy Hart","startTime":2915.77,"endTime":2918.17,"body":"depends on what your starting"},{"speaker":"Andy Hart","startTime":2918.17,"endTime":2920.48,"body":"point is. If you already run a"},{"speaker":"Andy Hart","startTime":2918.17,"endTime":2920.48,"body":"successful business in a"},{"speaker":"Andy Hart","startTime":2920.48,"endTime":2922.25,"body":"different network or something"},{"speaker":"Andy Hart","startTime":2920.48,"endTime":2922.25,"body":"going on, you want to go"},{"speaker":"Andy Hart","startTime":2922.25,"endTime":2925.73,"body":"directly authorised Yeah, the"},{"speaker":"Andy Hart","startTime":2922.25,"endTime":2925.73,"body":"actual FCA cost and a console to"},{"speaker":"Andy Hart","startTime":2925.73,"endTime":2927.92,"body":"help you out fill in the form or"},{"speaker":"Andy Hart","startTime":2925.73,"endTime":2927.92,"body":"something like that will not"},{"speaker":"Andy Hart","startTime":2927.92,"endTime":2930.23,"body":"cost you much. And there's other"},{"speaker":"Andy Hart","startTime":2927.92,"endTime":2930.23,"body":"people that set up a business"},{"speaker":"Andy Hart","startTime":2930.23,"endTime":2932.5099999999998,"body":"cost and quarter of a million"},{"speaker":"Andy Hart","startTime":2930.23,"endTime":2932.5099999999998,"body":"pounds. So I'm just telling you"},{"speaker":"Andy Hart","startTime":2932.5099999999998,"endTime":2935.66,"body":"my story. That's why I said 70k."},{"speaker":"Andy Hart","startTime":2932.5099999999998,"endTime":2935.66,"body":"But yeah, if you've already got"},{"speaker":"Andy Hart","startTime":2935.66,"endTime":2937.58,"body":"a bit of money in the bank, a"},{"speaker":"Andy Hart","startTime":2935.66,"endTime":2937.58,"body":"bit of traction bit clients and"},{"speaker":"Andy Hart","startTime":2937.58,"endTime":2939.74,"body":"obviously just switching to"},{"speaker":"Andy Hart","startTime":2937.58,"endTime":2939.74,"body":"become directly authorized. I"},{"speaker":"Andy Hart","startTime":2939.74,"endTime":2941.72,"body":"think you could probably do it"},{"speaker":"Andy Hart","startTime":2939.74,"endTime":2941.72,"body":"for your right, Elon under 10"},{"speaker":"Andy Hart","startTime":2941.72,"endTime":2942.7999999999997,"body":"grand. Yeah, okay."},{"speaker":"Nick Lincoln","startTime":2942.8599999999997,"endTime":2944.75,"body":"Okay. Let's not"},{"speaker":"Nick Lincoln","startTime":2942.8599999999997,"endTime":2944.75,"body":"get too too much in the weeds on"},{"speaker":"Nick Lincoln","startTime":2944.75,"endTime":2947.99,"body":"that. Thank you, gents. Yeah."},{"speaker":"Nick Lincoln","startTime":2944.75,"endTime":2947.99,"body":"Okay. Next topical tip, Mr."},{"speaker":"Nick Lincoln","startTime":2947.99,"endTime":2950.45,"body":"Smith, the wealth front DEVAR."},{"speaker":"Alan Smith","startTime":2951.1099999999997,"endTime":2953.81,"body":"Yeah, these topical"},{"speaker":"Alan Smith","startTime":2951.1099999999997,"endTime":2953.81,"body":"techniques are going on a bit"},{"speaker":"Alan Smith","startTime":2953.81,"endTime":2957.5899999999997,"body":"today. But yeah, there's"},{"speaker":"Alan Smith","startTime":2953.81,"endTime":2957.5899999999997,"body":"something else that I saw"},{"speaker":"Alan Smith","startTime":2957.5899999999997,"endTime":2961.2799999999997,"body":"recently. And here's another"},{"speaker":"Alan Smith","startTime":2957.5899999999997,"endTime":2961.2799999999997,"body":"example of things which will"},{"speaker":"Alan Smith","startTime":2961.2799999999997,"endTime":2966.23,"body":"never change. So Wealthfront are"},{"speaker":"Alan Smith","startTime":2961.2799999999997,"endTime":2966.23,"body":"effectively a so called Robo"},{"speaker":"Alan Smith","startTime":2966.2599999999998,"endTime":2969.2599999999998,"body":"advice firm based in the US,"},{"speaker":"Alan Smith","startTime":2966.2599999999998,"endTime":2969.2599999999998,"body":"which sets up number of years"},{"speaker":"Alan Smith","startTime":2969.2599999999998,"endTime":2972.68,"body":"ago to great fanfare. And I"},{"speaker":"Alan Smith","startTime":2969.2599999999998,"endTime":2972.68,"body":"believe we're pretty successful."},{"speaker":"Alan Smith","startTime":2973.7599999999998,"endTime":2976.6099999999997,"body":"They've, they've got a lot of"},{"speaker":"Alan Smith","startTime":2973.7599999999998,"endTime":2976.6099999999997,"body":"assets on their platform now,"},{"speaker":"Alan Smith","startTime":2976.6099999999997,"endTime":2982.7599999999998,"body":"but they are that classic early"},{"speaker":"Alan Smith","startTime":2976.6099999999997,"endTime":2982.7599999999998,"body":"stage, Robo vise company. And I"},{"speaker":"Alan Smith","startTime":2982.7599999999998,"endTime":2986.5099999999998,"body":"picked this up on Twitter,"},{"speaker":"Alan Smith","startTime":2982.7599999999998,"endTime":2986.5099999999998,"body":"there's a, there's a guy who"},{"speaker":"Alan Smith","startTime":2986.63,"endTime":2990.5899999999997,"body":"writes a lot about this stuff,"},{"speaker":"Alan Smith","startTime":2986.63,"endTime":2990.5899999999997,"body":"Andrew beer, his name is on"},{"speaker":"Alan Smith","startTime":2990.5899999999997,"endTime":2993.14,"body":"Twitter. And he posted this"},{"speaker":"Alan Smith","startTime":2990.5899999999997,"endTime":2993.14,"body":"thing which had passed me by"},{"speaker":"Alan Smith","startTime":2993.14,"endTime":2995.63,"body":"other buys. So Wealthfront"},{"speaker":"Alan Smith","startTime":2993.14,"endTime":2995.63,"body":"themselves as these companies"},{"speaker":"Alan Smith","startTime":2995.63,"endTime":2998.27,"body":"tend to do from time to time not"},{"speaker":"Alan Smith","startTime":2995.63,"endTime":2998.27,"body":"satisfied, but just has to"},{"speaker":"Alan Smith","startTime":2998.27,"endTime":3001.75,"body":"having a platform and offering"},{"speaker":"Alan Smith","startTime":2998.27,"endTime":3001.75,"body":"simple low cost index funds,"},{"speaker":"Alan Smith","startTime":3001.75,"endTime":3004.5099999999998,"body":"which is the kind of the whole"},{"speaker":"Alan Smith","startTime":3001.75,"endTime":3004.5099999999998,"body":"premise of many of these Robo"},{"speaker":"Alan Smith","startTime":3004.5099999999998,"endTime":3008.5,"body":"firms. They decided to build"},{"speaker":"Alan Smith","startTime":3004.5099999999998,"endTime":3008.5,"body":"their own fund, and effectively"},{"speaker":"Alan Smith","startTime":3008.5,"endTime":3013.24,"body":"a sort of quasi hedge fund. They"},{"speaker":"Alan Smith","startTime":3008.5,"endTime":3013.24,"body":"called it the risk parity fund."},{"speaker":"Alan Smith","startTime":3014.2,"endTime":3016.75,"body":"This guy has written a really"},{"speaker":"Alan Smith","startTime":3014.2,"endTime":3016.75,"body":"interesting thread about I could"},{"speaker":"Alan Smith","startTime":3016.75,"endTime":3020.35,"body":"post a link to that on the show"},{"speaker":"Alan Smith","startTime":3016.75,"endTime":3020.35,"body":"notes. Risk parity fund, and"},{"speaker":"Alan Smith","startTime":3020.35,"endTime":3023.74,"body":"it's just, it's just all these"},{"speaker":"Alan Smith","startTime":3020.35,"endTime":3023.74,"body":"complicated things that you kind"},{"speaker":"Alan Smith","startTime":3023.74,"endTime":3026.2,"body":"of don't need and don't want."},{"speaker":"Alan Smith","startTime":3023.74,"endTime":3026.2,"body":"We've got you know, they've got"},{"speaker":"Alan Smith","startTime":3026.2,"endTime":3029.71,"body":"derivatives in it. They've got a"},{"speaker":"Alan Smith","startTime":3026.2,"endTime":3029.71,"body":"whole series of complex, sorry,"},{"speaker":"Alan Smith","startTime":3030.13,"endTime":3030.79,"body":"shoehorning"},{"speaker":"Nick Lincoln","startTime":3030.79,"endTime":3034.18,"body":"clients into this"},{"speaker":"Nick Lincoln","startTime":3030.79,"endTime":3034.18,"body":"without additional, then there"},{"speaker":"Nick Lincoln","startTime":3034.18,"endTime":3035.2,"body":"were kind of a discussion or"},{"speaker":"Alan Smith","startTime":3035.2,"endTime":3037.24,"body":"something untoward"},{"speaker":"Alan Smith","startTime":3035.2,"endTime":3037.24,"body":"going on I thought that they"},{"speaker":"Alan Smith","startTime":3037.24,"endTime":3039.64,"body":"could have actually been doing"},{"speaker":"Alan Smith","startTime":3037.24,"endTime":3039.64,"body":"this or I hope they haven't, but"},{"speaker":"Alan Smith","startTime":3039.64,"endTime":3043.18,"body":"it actually moved some clients"},{"speaker":"Alan Smith","startTime":3039.64,"endTime":3043.18,"body":"who had their kind of Vanguard"},{"speaker":"Alan Smith","startTime":3043.18,"endTime":3046.6,"body":"6040 type portfolio, it seems it"},{"speaker":"Alan Smith","startTime":3043.18,"endTime":3046.6,"body":"actually moved them into this"},{"speaker":"Alan Smith","startTime":3046.6,"endTime":3049.06,"body":"fund without necessarily knowing"},{"speaker":"Alan Smith","startTime":3046.6,"endTime":3049.06,"body":"about it. I don't know if he had"},{"speaker":"Alan Smith","startTime":3049.06,"endTime":3052.42,"body":"a kind of you had to opt out of"},{"speaker":"Alan Smith","startTime":3049.06,"endTime":3052.42,"body":"having your money moved into it"},{"speaker":"Alan Smith","startTime":3052.42,"endTime":3056.44,"body":"or not. I'm not sure exactly how"},{"speaker":"Alan Smith","startTime":3052.42,"endTime":3056.44,"body":"but certainly, more than a"},{"speaker":"Alan Smith","startTime":3056.44,"endTime":3061.18,"body":"billion dollars of assets went"},{"speaker":"Alan Smith","startTime":3056.44,"endTime":3061.18,"body":"into this kind of strange fund"},{"speaker":"Alan Smith","startTime":3061.18,"endTime":3063.5499999999997,"body":"called the Wealthfront risk"},{"speaker":"Alan Smith","startTime":3061.18,"endTime":3063.5499999999997,"body":"parity fund."},{"speaker":"Andy Hart","startTime":3063.97,"endTime":3066.5499999999997,"body":"Alan without charging"},{"speaker":"Andy Hart","startTime":3063.97,"endTime":3066.5499999999997,"body":"more was that the reason why"},{"speaker":"Andy Hart","startTime":3066.5499999999997,"endTime":3068.7999999999997,"body":"they charge you more they were"},{"speaker":"Andy Hart","startTime":3066.5499999999997,"endTime":3068.7999999999997,"body":"trying to become profitable such"},{"speaker":"Andy Hart","startTime":3068.7999999999997,"endTime":3069.13,"body":"what"},{"speaker":"Alan Smith","startTime":3070.2999999999997,"endTime":3071.89,"body":"I mean"},{"speaker":"Alan Smith","startTime":3070.2999999999997,"endTime":3071.89,"body":"interestingly, this guy's"},{"speaker":"Alan Smith","startTime":3071.92,"endTime":3073.81,"body":"mentioned it as well on the"},{"speaker":"Alan Smith","startTime":3071.92,"endTime":3073.81,"body":"Twitter thread, they were"},{"speaker":"Alan Smith","startTime":3073.81,"endTime":3076.75,"body":"charging half a percent which"},{"speaker":"Alan Smith","startTime":3073.81,"endTime":3076.75,"body":"for kind of hedge fund type font"},{"speaker":"Alan Smith","startTime":3076.7799999999997,"endTime":3079.96,"body":"type font is very good. But what"},{"speaker":"Alan Smith","startTime":3076.7799999999997,"endTime":3079.96,"body":"they haven't done, you haven't"},{"speaker":"Alan Smith","startTime":3079.96,"endTime":3082.3599999999997,"body":"caught, there's no doubt you've"},{"speaker":"Alan Smith","startTime":3079.96,"endTime":3082.3599999999997,"body":"got to pay for derivatives to"},{"speaker":"Alan Smith","startTime":3082.3599999999997,"endTime":3085.15,"body":"some sort of leverage in it as"},{"speaker":"Alan Smith","startTime":3082.3599999999997,"endTime":3085.15,"body":"well. It's a usual mess of"},{"speaker":"Alan Smith","startTime":3085.15,"endTime":3087.4,"body":"complexity. And he's saying,"},{"speaker":"Alan Smith","startTime":3085.15,"endTime":3087.4,"body":"hang on a minute, you're just"},{"speaker":"Alan Smith","startTime":3087.4,"endTime":3089.92,"body":"saying the fees a half percent,"},{"speaker":"Alan Smith","startTime":3087.4,"endTime":3089.92,"body":"there's no way and he's a hedge"},{"speaker":"Alan Smith","startTime":3089.92,"endTime":3092.65,"body":"fund guy, the guy that does this"},{"speaker":"Alan Smith","startTime":3089.92,"endTime":3092.65,"body":"three, where's all the other"},{"speaker":"Alan Smith","startTime":3092.65,"endTime":3095.44,"body":"fees, because there's definitely"},{"speaker":"Alan Smith","startTime":3092.65,"endTime":3095.44,"body":"fees. And then if it's, if it's"},{"speaker":"Alan Smith","startTime":3095.44,"endTime":3099.1,"body":"purports to do what you say it"},{"speaker":"Alan Smith","startTime":3095.44,"endTime":3099.1,"body":"does, so I don't know what"},{"speaker":"Alan Smith","startTime":3099.1,"endTime":3102.0699999999997,"body":"they're charging for a typical"},{"speaker":"Alan Smith","startTime":3099.1,"endTime":3102.0699999999997,"body":"index fund, maybe it's similar,"},{"speaker":"Alan Smith","startTime":3102.5499999999997,"endTime":3104.68,"body":"but we're definitely looking for"},{"speaker":"Alan Smith","startTime":3102.5499999999997,"endTime":3104.68,"body":"to create some profitability"},{"speaker":"Alan Smith","startTime":3104.68,"endTime":3108.37,"body":"some extra profit in it. Fast"},{"speaker":"Alan Smith","startTime":3104.68,"endTime":3108.37,"body":"forward to today, the funds down"},{"speaker":"Alan Smith","startTime":3108.4,"endTime":3111.97,"body":"20% over the period, if you had"},{"speaker":"Alan Smith","startTime":3108.4,"endTime":3111.97,"body":"been in it sort of Vanguard"},{"speaker":"Alan Smith","startTime":3111.97,"endTime":3118.6,"body":"6040, up up. 34% says an"},{"speaker":"Alan Smith","startTime":3111.97,"endTime":3118.6,"body":"effective loss of 50% of capital"},{"speaker":"Alan Smith","startTime":3118.6,"endTime":3122.35,"body":"over 50%. There's a billion"},{"speaker":"Alan Smith","startTime":3118.6,"endTime":3122.35,"body":"dollars going into it has gone"},{"speaker":"Alan Smith","startTime":3122.35,"endTime":3126.91,"body":"into it thus far. And he said,"},{"speaker":"Alan Smith","startTime":3122.35,"endTime":3126.91,"body":"you know how to incinerate half"},{"speaker":"Alan Smith","startTime":3126.91,"endTime":3130.48,"body":"a billion dollars of retail"},{"speaker":"Alan Smith","startTime":3126.91,"endTime":3130.48,"body":"investors money, boom, you know,"},{"speaker":"Alan Smith","startTime":3130.5099999999998,"endTime":3133.69,"body":"there you go. This is how it's"},{"speaker":"Alan Smith","startTime":3130.5099999999998,"endTime":3133.69,"body":"been done. And even more"},{"speaker":"Alan Smith","startTime":3133.69,"endTime":3136.45,"body":"Incredibly, this money still"},{"speaker":"Alan Smith","startTime":3133.69,"endTime":3136.45,"body":"going into it's still over a"},{"speaker":"Alan Smith","startTime":3136.45,"endTime":3139.0,"body":"billion dollars and people are"},{"speaker":"Alan Smith","startTime":3136.45,"endTime":3139.0,"body":"still putting money into this"},{"speaker":"Alan Smith","startTime":3139.06,"endTime":3143.56,"body":"crazy fund. So in summary, some"},{"speaker":"Alan Smith","startTime":3139.06,"endTime":3143.56,"body":"things change. Some things never"},{"speaker":"Alan Smith","startTime":3143.56,"endTime":3146.83,"body":"change, companies will still"},{"speaker":"Alan Smith","startTime":3143.56,"endTime":3146.83,"body":"create products and services to"},{"speaker":"Alan Smith","startTime":3146.83,"endTime":3150.43,"body":"try to generate extra profits. I"},{"speaker":"Alan Smith","startTime":3146.83,"endTime":3150.43,"body":"thought Wealthfront were one of"},{"speaker":"Alan Smith","startTime":3150.43,"endTime":3153.37,"body":"the you know, the cleanest"},{"speaker":"Alan Smith","startTime":3150.43,"endTime":3153.37,"body":"purest of YNAB. You know, I've"},{"speaker":"Alan Smith","startTime":3153.37,"endTime":3155.2599999999998,"body":"heard you know that I think they"},{"speaker":"Alan Smith","startTime":3153.37,"endTime":3155.2599999999998,"body":"advertise in the Tim Ferriss"},{"speaker":"Alan Smith","startTime":3155.2599999999998,"endTime":3159.46,"body":"podcast. This is supposed to be"},{"speaker":"Alan Smith","startTime":3155.2599999999998,"endTime":3159.46,"body":"some of the good guys and yet"},{"speaker":"Alan Smith","startTime":3159.46,"endTime":3161.62,"body":"they've come up with this"},{"speaker":"Alan Smith","startTime":3159.46,"endTime":3161.62,"body":"nonsense fund, they've attracted"},{"speaker":"Alan Smith","startTime":3161.62,"endTime":3165.0699999999997,"body":"a billion dollars of incinerated"},{"speaker":"Alan Smith","startTime":3161.62,"endTime":3165.0699999999997,"body":"half a billion of investors"},{"speaker":"Alan Smith","startTime":3165.0699999999997,"endTime":3168.37,"body":"money. It's not good, but these"},{"speaker":"Alan Smith","startTime":3165.0699999999997,"endTime":3168.37,"body":"things will always happen if"},{"speaker":"Alan Smith","startTime":3168.37,"endTime":3170.89,"body":"it's not well find someone else"},{"speaker":"Alan Smith","startTime":3168.37,"endTime":3170.89,"body":"to do it next year. I think it's"},{"speaker":"Alan Smith","startTime":3170.89,"endTime":3172.12,"body":"just an interesting story."},{"speaker":"Nick Lincoln","startTime":3174.04,"endTime":3176.65,"body":"Yeah, yeah, Pluto"},{"speaker":"Nick Lincoln","startTime":3174.04,"endTime":3176.65,"body":"shows Pluto meme shows as they"},{"speaker":"Nick Lincoln","startTime":3176.65,"endTime":3180.91,"body":"say, Okay, right. I talked about"},{"speaker":"Nick Lincoln","startTime":3176.65,"endTime":3180.91,"body":"our elected betters and whether"},{"speaker":"Nick Lincoln","startTime":3180.91,"endTime":3184.54,"body":"it's labour or conservative,"},{"speaker":"Nick Lincoln","startTime":3180.91,"endTime":3184.54,"body":"they're pretty pretty. Pretty"},{"speaker":"Nick Lincoln","startTime":3184.54,"endTime":3187.39,"body":"mediocre bunch I saw this"},{"speaker":"Nick Lincoln","startTime":3184.54,"endTime":3187.39,"body":"question posted by a Labour MP"},{"speaker":"Nick Lincoln","startTime":3187.39,"endTime":3190.96,"body":"Justin mod as the MP for"},{"speaker":"Nick Lincoln","startTime":3187.39,"endTime":3190.96,"body":"Ellesmere port. And Nesta, he"},{"speaker":"Nick Lincoln","startTime":3190.96,"endTime":3193.39,"body":"posed this to the Secretary of"},{"speaker":"Nick Lincoln","startTime":3190.96,"endTime":3193.39,"body":"State for Work and Pensions. His"},{"speaker":"Nick Lincoln","startTime":3193.39,"endTime":3196.81,"body":"question was, how many and what"},{"speaker":"Nick Lincoln","startTime":3193.39,"endTime":3196.81,"body":"proportion of people claiming"},{"speaker":"Nick Lincoln","startTime":3196.81,"endTime":3201.94,"body":"pension credit were born on or"},{"speaker":"Nick Lincoln","startTime":3196.81,"endTime":3201.94,"body":"after April 2016. And Laura"},{"speaker":"Nick Lincoln","startTime":3201.94,"endTime":3205.48,"body":"Trott conservative for seven"},{"speaker":"Nick Lincoln","startTime":3201.94,"endTime":3205.48,"body":"extra applied pension credit is"},{"speaker":"Nick Lincoln","startTime":3205.48,"endTime":3208.42,"body":"only available to those of state"},{"speaker":"Nick Lincoln","startTime":3205.48,"endTime":3208.42,"body":"pension age. Therefore the"},{"speaker":"Nick Lincoln","startTime":3208.42,"endTime":3211.0,"body":"number and proportion of people"},{"speaker":"Nick Lincoln","startTime":3208.42,"endTime":3211.0,"body":"claiming pension credit who were"},{"speaker":"Nick Lincoln","startTime":3211.0,"endTime":3216.79,"body":"born on or after April 2016 is"},{"speaker":"Nick Lincoln","startTime":3211.0,"endTime":3216.79,"body":"zero. They are at most seven"},{"speaker":"Nick Lincoln","startTime":3216.79,"endTime":3220.81,"body":"years old. So I actually"},{"speaker":"Nick Lincoln","startTime":3216.79,"endTime":3220.81,"body":"delivered that with some Pithom"},{"speaker":"Nick Lincoln","startTime":3220.81,"endTime":3224.83,"body":"verbund Our answer them that the"},{"speaker":"Nick Lincoln","startTime":3220.81,"endTime":3224.83,"body":"ignorance the ignorance of those"},{"speaker":"Nick Lincoln","startTime":3224.83,"endTime":3226.66,"body":"that would take everything from"},{"speaker":"Nick Lincoln","startTime":3224.83,"endTime":3226.66,"body":"our wallets and they got the"},{"speaker":"Nick Lincoln","startTime":3226.66,"endTime":3228.79,"body":"chances or status that's"},{"speaker":"Alan Smith","startTime":3228.79,"endTime":3230.95,"body":"obviously a spelling"},{"speaker":"Alan Smith","startTime":3228.79,"endTime":3230.95,"body":"mistake. It's obviously an error"},{"speaker":"Alan Smith","startTime":3230.95,"endTime":3233.44,"body":"from him, isn't it? That's just"},{"speaker":"Alan Smith","startTime":3230.95,"endTime":3233.44,"body":"that's you didn't mean it didn't"},{"speaker":"Alan Smith","startTime":3233.44,"endTime":3234.5499999999997,"body":"mean 2016."},{"speaker":"Nick Lincoln","startTime":3236.109,"endTime":3238.5989999999997,"body":"Just it's it's"},{"speaker":"Nick Lincoln","startTime":3236.109,"endTime":3238.5989999999997,"body":"heights questions. It's a type"},{"speaker":"Nick Lincoln","startTime":3238.5989999999997,"endTime":3240.909,"body":"two question. And he's got a"},{"speaker":"Nick Lincoln","startTime":3238.5989999999997,"endTime":3240.909,"body":"team around well, he's got a"},{"speaker":"Nick Lincoln","startTime":3240.909,"endTime":3244.899,"body":"team around him as well. Yeah,"},{"speaker":"Nick Lincoln","startTime":3240.909,"endTime":3244.899,"body":"yeah. Okay. We don't have London"},{"speaker":"Nick Lincoln","startTime":3244.929,"endTime":3247.0589999999997,"body":"Andy Google interview warm up"},{"speaker":"Nick Lincoln","startTime":3244.929,"endTime":3247.0589999999997,"body":"tool."},{"speaker":"Andy Hart","startTime":3248.08,"endTime":3250.33,"body":"Yeah, Google have"},{"speaker":"Andy Hart","startTime":3248.08,"endTime":3250.33,"body":"launched this tool, the know how"},{"speaker":"Andy Hart","startTime":3250.33,"endTime":3252.6099999999997,"body":"recently they launched. It's"},{"speaker":"Andy Hart","startTime":3250.33,"endTime":3252.6099999999997,"body":"called the Google interview warm"},{"speaker":"Andy Hart","startTime":3252.6099999999997,"endTime":3255.67,"body":"up tool, you click it, it's a"},{"speaker":"Andy Hart","startTime":3252.6099999999997,"endTime":3255.67,"body":"website. So if anyone listening"},{"speaker":"Andy Hart","startTime":3255.67,"endTime":3258.13,"body":"to this is going to be going"},{"speaker":"Andy Hart","startTime":3255.67,"endTime":3258.13,"body":"through the interview process,"},{"speaker":"Andy Hart","startTime":3258.13,"endTime":3261.43,"body":"or they've got kids grandkids"},{"speaker":"Andy Hart","startTime":3258.13,"endTime":3261.43,"body":"are going to be doing it. Check"},{"speaker":"Andy Hart","startTime":3261.43,"endTime":3263.89,"body":"it out. And then you basically"},{"speaker":"Andy Hart","startTime":3261.43,"endTime":3263.89,"body":"say what type of industry"},{"speaker":"Andy Hart","startTime":3263.89,"endTime":3266.35,"body":"profession you're in. And then"},{"speaker":"Andy Hart","startTime":3263.89,"endTime":3266.35,"body":"they ask you these questions and"},{"speaker":"Andy Hart","startTime":3266.35,"endTime":3268.5099999999998,"body":"you answer them back and it's"},{"speaker":"Andy Hart","startTime":3266.35,"endTime":3268.5099999999998,"body":"sort of grades your answer and"},{"speaker":"Andy Hart","startTime":3268.5099999999998,"endTime":3271.93,"body":"stuff. It's quite cool. So check"},{"speaker":"Andy Hart","startTime":3268.5099999999998,"endTime":3271.93,"body":"it out. Nothing more really to"},{"speaker":"Andy Hart","startTime":3271.93,"endTime":3273.97,"body":"say on that. So Google interview"},{"speaker":"Andy Hart","startTime":3271.93,"endTime":3273.97,"body":"warmup tool."},{"speaker":"Nick Lincoln","startTime":3274.75,"endTime":3276.97,"body":"Interesting. I"},{"speaker":"Nick Lincoln","startTime":3274.75,"endTime":3276.97,"body":"just happen to have so so yeah,"},{"speaker":"Nick Lincoln","startTime":3277.0299999999997,"endTime":3281.35,"body":"knee, knee. Okay. All right. Why"},{"speaker":"Nick Lincoln","startTime":3277.0299999999997,"endTime":3281.35,"body":"are Blimey 53 minutes in and we"},{"speaker":"Nick Lincoln","startTime":3281.35,"endTime":3283.45,"body":"just did we just done the"},{"speaker":"Nick Lincoln","startTime":3281.35,"endTime":3283.45,"body":"topical titbits? I think we"},{"speaker":"Nick Lincoln","startTime":3283.45,"endTime":3286.72,"body":"better quickly move on to what"},{"speaker":"Nick Lincoln","startTime":3283.45,"endTime":3286.72,"body":"some people laughingly call the"},{"speaker":"Nick Lincoln","startTime":3286.72,"endTime":3291.46,"body":"meat and potatoes of the show"},{"speaker":"Nick Lincoln","startTime":3286.72,"endTime":3291.46,"body":"and where we're having we're"},{"speaker":"Nick Lincoln","startTime":3291.46,"endTime":3293.77,"body":"having some chats before we"},{"speaker":"Nick Lincoln","startTime":3291.46,"endTime":3293.77,"body":"started recording this about"},{"speaker":"Nick Lincoln","startTime":3293.77,"endTime":3296.23,"body":"whether this was going to be"},{"speaker":"Nick Lincoln","startTime":3293.77,"endTime":3296.23,"body":"something worthy of discussion I"},{"speaker":"Nick Lincoln","startTime":3296.23,"endTime":3298.27,"body":"think it is and we can probably"},{"speaker":"Nick Lincoln","startTime":3296.23,"endTime":3298.27,"body":"build it into something to other"},{"speaker":"Nick Lincoln","startTime":3298.27,"endTime":3301.6,"body":"areas we don't need to go on"},{"speaker":"Nick Lincoln","startTime":3298.27,"endTime":3301.6,"body":"about it forever. The final exit"},{"speaker":"Nick Lincoln","startTime":3301.6,"endTime":3306.49,"body":"strategy so the last episode I"},{"speaker":"Nick Lincoln","startTime":3301.6,"endTime":3306.49,"body":"was in Spain, if you watched you"},{"speaker":"Nick Lincoln","startTime":3306.49,"endTime":3309.85,"body":"too soon I was I was in Spain, I"},{"speaker":"Nick Lincoln","startTime":3306.49,"endTime":3309.85,"body":"mentioned it in the in the audio"},{"speaker":"Nick Lincoln","startTime":3309.85,"endTime":3314.41,"body":"as well because my dad who's 84"},{"speaker":"Nick Lincoln","startTime":3309.85,"endTime":3314.41,"body":"managed to fall over and break"},{"speaker":"Nick Lincoln","startTime":3314.41,"endTime":3318.13,"body":"his leg quite badly. Just just"},{"speaker":"Nick Lincoln","startTime":3314.41,"endTime":3318.13,"body":"stumbled didn't wasn't doing"},{"speaker":"Nick Lincoln","startTime":3318.13,"endTime":3320.71,"body":"anything particularly arduous."},{"speaker":"Nick Lincoln","startTime":3318.13,"endTime":3320.71,"body":"But 84 years old, he's got three"},{"speaker":"Nick Lincoln","startTime":3320.71,"endTime":3326.8599999999997,"body":"months of rehab and he's already"},{"speaker":"Nick Lincoln","startTime":3320.71,"endTime":3326.8599999999997,"body":"going stir crazy bless him and"},{"speaker":"Nick Lincoln","startTime":3326.89,"endTime":3330.1,"body":"it just made me think because"},{"speaker":"Nick Lincoln","startTime":3326.89,"endTime":3330.1,"body":"they my mum and dad of that"},{"speaker":"Nick Lincoln","startTime":3330.1,"endTime":3333.4,"body":"generation again I'm not saying"},{"speaker":"Nick Lincoln","startTime":3330.1,"endTime":3333.4,"body":"it's a good or bad thing it's"},{"speaker":"Nick Lincoln","startTime":3333.4,"endTime":3338.14,"body":"just what it is that dad does"},{"speaker":"Nick Lincoln","startTime":3333.4,"endTime":3338.14,"body":"does all the financial all the"},{"speaker":"Nick Lincoln","startTime":3338.14,"endTime":3340.21,"body":"runs all the money runs the"},{"speaker":"Nick Lincoln","startTime":3338.14,"endTime":3340.21,"body":"house you know in terms of the"},{"speaker":"Nick Lincoln","startTime":3340.21,"endTime":3343.9,"body":"finances all the gadgets all the"},{"speaker":"Nick Lincoln","startTime":3340.21,"endTime":3343.9,"body":"Wi Fi or you know, the hot"},{"speaker":"Nick Lincoln","startTime":3343.9,"endTime":3347.08,"body":"weather, how the boiler works,"},{"speaker":"Nick Lincoln","startTime":3343.9,"endTime":3347.08,"body":"how how the irrigation system"},{"speaker":"Nick Lincoln","startTime":3347.08,"endTime":3350.7999999999997,"body":"works on their place in Spain"},{"speaker":"Nick Lincoln","startTime":3347.08,"endTime":3350.7999999999997,"body":"mum and mum doesn't have a clue"},{"speaker":"Nick Lincoln","startTime":3350.7999999999997,"endTime":3352.54,"body":"about this kind of stuff, you"},{"speaker":"Nick Lincoln","startTime":3350.7999999999997,"endTime":3352.54,"body":"know, even logging into the"},{"speaker":"Nick Lincoln","startTime":3352.54,"endTime":3357.0699999999997,"body":"bank, you know is what was was"},{"speaker":"Nick Lincoln","startTime":3352.54,"endTime":3357.0699999999997,"body":"an effort for her. So and my dad"},{"speaker":"Nick Lincoln","startTime":3357.0699999999997,"endTime":3359.71,"body":"you know, he's got everything"},{"speaker":"Nick Lincoln","startTime":3357.0699999999997,"endTime":3359.71,"body":"and he's I couldn't Chairman Mao"},{"speaker":"Nick Lincoln","startTime":3359.71,"endTime":3362.02,"body":"because he's got everything"},{"speaker":"Nick Lincoln","startTime":3359.71,"endTime":3362.02,"body":"written in red book, you know,"},{"speaker":"Nick Lincoln","startTime":3362.02,"endTime":3366.5499999999997,"body":"all the passwords all the Wi Fi."},{"speaker":"Nick Lincoln","startTime":3362.02,"endTime":3366.5499999999997,"body":"Everything is in there and"},{"speaker":"Nick Lincoln","startTime":3366.5499999999997,"endTime":3370.2999999999997,"body":"nothing is it nothing is"},{"speaker":"Nick Lincoln","startTime":3366.5499999999997,"endTime":3370.2999999999997,"body":"available for mum. And it just"},{"speaker":"Nick Lincoln","startTime":3370.2999999999997,"endTime":3374.38,"body":"got me thinking but obviously"},{"speaker":"Nick Lincoln","startTime":3370.2999999999997,"endTime":3374.38,"body":"we're business owners. We're"},{"speaker":"Nick Lincoln","startTime":3374.38,"endTime":3376.69,"body":"human beings. We've got stuff"},{"speaker":"Nick Lincoln","startTime":3374.38,"endTime":3376.69,"body":"going on in our lives. What if"},{"speaker":"Nick Lincoln","startTime":3376.69,"endTime":3379.33,"body":"we passed away would our other"},{"speaker":"Nick Lincoln","startTime":3376.69,"endTime":3379.33,"body":"half know what to do? So I put"},{"speaker":"Nick Lincoln","startTime":3379.33,"endTime":3383.98,"body":"together what I call a life file"},{"speaker":"Nick Lincoln","startTime":3379.33,"endTime":3383.98,"body":"for penny, and my Luke and in"},{"speaker":"Nick Lincoln","startTime":3383.98,"endTime":3386.5899999999997,"body":"there, I've just dumped"},{"speaker":"Nick Lincoln","startTime":3383.98,"endTime":3386.5899999999997,"body":"everything. It's three sections."},{"speaker":"Nick Lincoln","startTime":3386.5899999999997,"endTime":3391.87,"body":"It's a money section. It's a"},{"speaker":"Nick Lincoln","startTime":3386.5899999999997,"endTime":3391.87,"body":"house section, how does the"},{"speaker":"Nick Lincoln","startTime":3391.87,"endTime":3394.0299999999997,"body":"house run where are the"},{"speaker":"Nick Lincoln","startTime":3391.87,"endTime":3394.0299999999997,"body":"brochures, the manuals, all the"},{"speaker":"Nick Lincoln","startTime":3394.0299999999997,"endTime":3397.48,"body":"devices in the house and there's"},{"speaker":"Nick Lincoln","startTime":3394.0299999999997,"endTime":3397.48,"body":"there's a there's a thirst"},{"speaker":"Nick Lincoln","startTime":3397.48,"endTime":3399.19,"body":"section as well which escapes me"},{"speaker":"Nick Lincoln","startTime":3397.48,"endTime":3399.19,"body":"at the moment. It's just a"},{"speaker":"Nick Lincoln","startTime":3399.19,"endTime":3401.95,"body":"Google doc I'm evolving all the"},{"speaker":"Nick Lincoln","startTime":3399.19,"endTime":3401.95,"body":"time. So if I'm not around,"},{"speaker":"Nick Lincoln","startTime":3402.85,"endTime":3405.97,"body":"Penny and my son and her and her"},{"speaker":"Nick Lincoln","startTime":3402.85,"endTime":3405.97,"body":"Luke can work through it and"},{"speaker":"Nick Lincoln","startTime":3405.97,"endTime":3408.64,"body":"just have a clue but a bit of a"},{"speaker":"Nick Lincoln","startTime":3405.97,"endTime":3408.64,"body":"clue. They'll sort of the third"},{"speaker":"Nick Lincoln","startTime":3408.64,"endTime":3410.77,"body":"section is the fact that I'm a"},{"speaker":"Nick Lincoln","startTime":3408.64,"endTime":3410.77,"body":"business owner so it's a bit in"},{"speaker":"Nick Lincoln","startTime":3410.77,"endTime":3413.17,"body":"there that said, listen, share"},{"speaker":"Nick Lincoln","startTime":3410.77,"endTime":3413.17,"body":"this with my locum you know,"},{"speaker":"Nick Lincoln","startTime":3413.17,"endTime":3417.88,"body":"this is just you know, I'm an"},{"speaker":"Nick Lincoln","startTime":3413.17,"endTime":3417.88,"body":"I'm a locum for people. I would"},{"speaker":"Nick Lincoln","startTime":3417.88,"endTime":3419.62,"body":"want this kind of document"},{"speaker":"Nick Lincoln","startTime":3417.88,"endTime":3419.62,"body":"because I don't I don't you"},{"speaker":"Nick Lincoln","startTime":3419.62,"endTime":3422.98,"body":"know, you want to you won't have"},{"speaker":"Nick Lincoln","startTime":3419.62,"endTime":3422.98,"body":"you won't have a clue what the"},{"speaker":"Nick Lincoln","startTime":3422.98,"endTime":3425.62,"body":"hell is going on? You know, if"},{"speaker":"Nick Lincoln","startTime":3422.98,"endTime":3425.62,"body":"Nick Lincoln is not here, what"},{"speaker":"Nick Lincoln","startTime":3425.65,"endTime":3428.65,"body":"what how was he doing stuff for"},{"speaker":"Nick Lincoln","startTime":3425.65,"endTime":3428.65,"body":"good or for good or bad? So I've"},{"speaker":"Nick Lincoln","startTime":3428.65,"endTime":3430.63,"body":"just, and you don't want to do"},{"speaker":"Nick Lincoln","startTime":3428.65,"endTime":3430.63,"body":"it? Do you? Cuz you're thinking"},{"speaker":"Nick Lincoln","startTime":3430.63,"endTime":3433.42,"body":"well, this is kind of admitting"},{"speaker":"Nick Lincoln","startTime":3430.63,"endTime":3433.42,"body":"your own mortality in a way you"},{"speaker":"Nick Lincoln","startTime":3433.42,"endTime":3435.16,"body":"know, you're you're you're"},{"speaker":"Nick Lincoln","startTime":3433.42,"endTime":3435.16,"body":"you're admitting to yourself"},{"speaker":"Nick Lincoln","startTime":3435.16,"endTime":3437.47,"body":"that you are going to die. I"},{"speaker":"Nick Lincoln","startTime":3435.16,"endTime":3437.47,"body":"think we have a responsibility"},{"speaker":"Nick Lincoln","startTime":3437.47,"endTime":3441.7,"body":"to those we love just to put"},{"speaker":"Nick Lincoln","startTime":3437.47,"endTime":3441.7,"body":"something down in a format that"},{"speaker":"Nick Lincoln","startTime":3441.7,"endTime":3445.27,"body":"is that is sustainable, we'll be"},{"speaker":"Nick Lincoln","startTime":3441.7,"endTime":3445.27,"body":"around they can easily access a"},{"speaker":"Nick Lincoln","startTime":3445.27,"endTime":3447.64,"body":"password protected it or that's"},{"speaker":"Nick Lincoln","startTime":3445.27,"endTime":3447.64,"body":"a pain with Google Docs, you"},{"speaker":"Nick Lincoln","startTime":3447.64,"endTime":3450.6099999999997,"body":"can't actually password protect."},{"speaker":"Nick Lincoln","startTime":3447.64,"endTime":3450.6099999999997,"body":"But I've I've put into a dropbox"},{"speaker":"Nick Lincoln","startTime":3450.6099999999997,"endTime":3454.0899999999997,"body":"folder, which is password"},{"speaker":"Nick Lincoln","startTime":3450.6099999999997,"endTime":3454.0899999999997,"body":"protected. So yeah, and then I"},{"speaker":"Nick Lincoln","startTime":3454.0899999999997,"endTime":3457.0,"body":"just wonder, you know, do we"},{"speaker":"Nick Lincoln","startTime":3454.0899999999997,"endTime":3457.0,"body":"took a you guys done this?"},{"speaker":"Nick Lincoln","startTime":3457.0299999999997,"endTime":3459.0699999999997,"body":"Because you know, if you"},{"speaker":"Nick Lincoln","startTime":3457.0299999999997,"endTime":3459.0699999999997,"body":"wouldn't suddenly be"},{"speaker":"Nick Lincoln","startTime":3459.0699999999997,"endTime":3463.18,"body":"incapacitated? Not necessarily"},{"speaker":"Nick Lincoln","startTime":3459.0699999999997,"endTime":3463.18,"body":"debit incapacitated? Or Or you"},{"speaker":"Nick Lincoln","startTime":3463.18,"endTime":3466.48,"body":"pass away? Would your loved ones"},{"speaker":"Nick Lincoln","startTime":3463.18,"endTime":3466.48,"body":"know where the hell to start"},{"speaker":"Nick Lincoln","startTime":3466.48,"endTime":3468.91,"body":"with your estate? Yeah, there's"},{"speaker":"Nick Lincoln","startTime":3466.48,"endTime":3468.91,"body":"the will. But the wills don't"},{"speaker":"Nick Lincoln","startTime":3468.91,"endTime":3471.3399999999997,"body":"cover the nitty gritty stuff,"},{"speaker":"Nick Lincoln","startTime":3468.91,"endTime":3471.3399999999997,"body":"the actual practicalities of"},{"speaker":"Nick Lincoln","startTime":3471.3399999999997,"endTime":3476.5299999999997,"body":"living your we all have a"},{"speaker":"Nick Lincoln","startTime":3471.3399999999997,"endTime":3476.5299999999997,"body":"digital life. And, and then you"},{"speaker":"Nick Lincoln","startTime":3476.5299999999997,"endTime":3478.0299999999997,"body":"talk about it with your cat, I'm"},{"speaker":"Nick Lincoln","startTime":3476.5299999999997,"endTime":3478.0299999999997,"body":"certainly gonna talk about with"},{"speaker":"Nick Lincoln","startTime":3478.0299999999997,"endTime":3479.83,"body":"my clients, but once I just you"},{"speaker":"Nick Lincoln","startTime":3478.0299999999997,"endTime":3479.83,"body":"know, you I know you've made"},{"speaker":"Nick Lincoln","startTime":3479.83,"endTime":3482.14,"body":"wills, because I check every"},{"speaker":"Nick Lincoln","startTime":3479.83,"endTime":3482.14,"body":"year with you and their current"},{"speaker":"Nick Lincoln","startTime":3482.14,"endTime":3487.06,"body":"value. But you know, if, you"},{"speaker":"Nick Lincoln","startTime":3482.14,"endTime":3487.06,"body":"know if, if he if if Mrs. Mr."},{"speaker":"Nick Lincoln","startTime":3487.06,"endTime":3490.39,"body":"Smith Goes Mrs. Smith, are you"},{"speaker":"Nick Lincoln","startTime":3487.06,"endTime":3490.39,"body":"would you have a clue? And vice"},{"speaker":"Nick Lincoln","startTime":3490.39,"endTime":3494.71,"body":"versa, and I wouldn't lead us"},{"speaker":"Nick Lincoln","startTime":3490.39,"endTime":3494.71,"body":"in, maybe asked us to change the"},{"speaker":"Nick Lincoln","startTime":3494.71,"endTime":3497.35,"body":"genders around there and say,"},{"speaker":"Nick Lincoln","startTime":3494.71,"endTime":3497.35,"body":"you know, Mr. Smith, if Mr."},{"speaker":"Nick Lincoln","startTime":3497.35,"endTime":3499.63,"body":"Smith Goes, would you have a"},{"speaker":"Nick Lincoln","startTime":3497.35,"endTime":3499.63,"body":"clue? You know, have you"},{"speaker":"Nick Lincoln","startTime":3499.63,"endTime":3502.18,"body":"documented it? So I'm just"},{"speaker":"Nick Lincoln","startTime":3499.63,"endTime":3502.18,"body":"wondering how you guys do and"},{"speaker":"Nick Lincoln","startTime":3502.18,"endTime":3504.88,"body":"how you how you've addressed"},{"speaker":"Nick Lincoln","startTime":3502.18,"endTime":3504.88,"body":"this, if you've addressed it in"},{"speaker":"Nick Lincoln","startTime":3504.88,"endTime":3506.83,"body":"your lives initially. And then"},{"speaker":"Nick Lincoln","startTime":3504.88,"endTime":3506.83,"body":"do you raise it with clients?"},{"speaker":"Andy Hart","startTime":3509.56,"endTime":3511.42,"body":"I'll throw in a"},{"speaker":"Andy Hart","startTime":3509.56,"endTime":3511.42,"body":"couple of things. I'd love to be"},{"speaker":"Andy Hart","startTime":3511.42,"endTime":3513.85,"body":"a fly on the wall here and you"},{"speaker":"Andy Hart","startTime":3511.42,"endTime":3513.85,"body":"and your dad have conversations"},{"speaker":"Andy Hart","startTime":3513.85,"endTime":3516.94,"body":"about stuff and how much you"},{"speaker":"Andy Hart","startTime":3513.85,"endTime":3516.94,"body":"sort of respect Chairman Mao,"},{"speaker":"Andy Hart","startTime":3516.94,"endTime":3519.7,"body":"but that's a that's a separate"},{"speaker":"Andy Hart","startTime":3516.94,"endTime":3519.7,"body":"point. I'd pay good money to see"},{"speaker":"Andy Hart","startTime":3519.7,"endTime":3522.64,"body":"that. It is quite a deep"},{"speaker":"Andy Hart","startTime":3519.7,"endTime":3522.64,"body":"subject. I mean, yeah, do we"},{"speaker":"Andy Hart","startTime":3522.64,"endTime":3525.49,"body":"talk about it with our clients?"},{"speaker":"Andy Hart","startTime":3522.64,"endTime":3525.49,"body":"What have we done ourselves? I"},{"speaker":"Andy Hart","startTime":3525.49,"endTime":3528.19,"body":"mean, everyone's got their own"},{"speaker":"Andy Hart","startTime":3525.49,"endTime":3528.19,"body":"situation. You're right"},{"speaker":"Andy Hart","startTime":3528.19,"endTime":3531.3399999999997,"body":"digitally. It's a complete mess."},{"speaker":"Andy Hart","startTime":3528.19,"endTime":3531.3399999999997,"body":"I mean, the fact that you've"},{"speaker":"Andy Hart","startTime":3531.3399999999997,"endTime":3535.96,"body":"told you know, Luke, your son"},{"speaker":"Andy Hart","startTime":3531.3399999999997,"endTime":3535.96,"body":"where where the thermostat"},{"speaker":"Andy Hart","startTime":3536.35,"endTime":3540.22,"body":"manual is again, I don't know"},{"speaker":"Andy Hart","startTime":3536.35,"endTime":3540.22,"body":"how we use it. That's going to"},{"speaker":"Andy Hart","startTime":3540.22,"endTime":3543.67,"body":"be post your demise. Yes, there"},{"speaker":"Andy Hart","startTime":3540.22,"endTime":3543.67,"body":"are there are quite a few moving"},{"speaker":"Andy Hart","startTime":3543.67,"endTime":3546.04,"body":"parts to this. I mean, it's a"},{"speaker":"Andy Hart","startTime":3543.67,"endTime":3546.04,"body":"bit like the Italians isn't it?"},{"speaker":"Andy Hart","startTime":3546.04,"endTime":3548.14,"body":"They don't wear seatbelts"},{"speaker":"Andy Hart","startTime":3546.04,"endTime":3548.14,"body":"because it's like preparing for"},{"speaker":"Andy Hart","startTime":3548.14,"endTime":3552.6099999999997,"body":"a crash. And I'm like yeah,"},{"speaker":"Andy Hart","startTime":3548.14,"endTime":3552.6099999999997,"body":"okay. The law says you need to"},{"speaker":"Andy Hart","startTime":3552.6099999999997,"endTime":3556.75,"body":"wear a seatbelt so yeah, the"},{"speaker":"Andy Hart","startTime":3552.6099999999997,"endTime":3556.75,"body":"digital lives are a whole other"},{"speaker":"Andy Hart","startTime":3556.75,"endTime":3560.35,"body":"mess like passwords for social"},{"speaker":"Andy Hart","startTime":3556.75,"endTime":3560.35,"body":"media passwords for email What"},{"speaker":"Andy Hart","startTime":3560.35,"endTime":3565.24,"body":"do you want to share not two"},{"speaker":"Andy Hart","startTime":3560.35,"endTime":3565.24,"body":"step authentication banks as a"},{"speaker":"Andy Hart","startTime":3565.24,"endTime":3568.2999999999997,"body":"successful divorce See, I don't"},{"speaker":"Andy Hart","startTime":3565.24,"endTime":3568.2999999999997,"body":"have a spouse that I can share"},{"speaker":"Andy Hart","startTime":3568.2999999999997,"endTime":3571.2999999999997,"body":"this file with and my kids are"},{"speaker":"Andy Hart","startTime":3568.2999999999997,"endTime":3571.2999999999997,"body":"three and a half at the moment"},{"speaker":"Andy Hart","startTime":3571.2999999999997,"endTime":3575.5,"body":"so they're not on the list so"},{"speaker":"Andy Hart","startTime":3571.2999999999997,"endTime":3575.5,"body":"yeah, my brother knows pretty"},{"speaker":"Andy Hart","startTime":3575.5,"endTime":3578.38,"body":"much everything that's going on"},{"speaker":"Andy Hart","startTime":3575.5,"endTime":3578.38,"body":"with my situation. So yeah,"},{"speaker":"Andy Hart","startTime":3578.38,"endTime":3579.31,"body":"that's my start"},{"speaker":"Nick Lincoln","startTime":3580.27,"endTime":3581.5899999999997,"body":"to foresee What's"},{"speaker":"Nick Lincoln","startTime":3580.27,"endTime":3581.5899999999997,"body":"that supposed to mean?"},{"speaker":"Unknown","startTime":3586.15,"endTime":3587.5299999999997,"body":"Over to another"},{"speaker":"Unknown","startTime":3586.15,"endTime":3587.5299999999997,"body":"successful"},{"speaker":"Nick Lincoln","startTime":3592.24,"endTime":3595.7799999999997,"body":"successful divorce"},{"speaker":"Nick Lincoln","startTime":3592.24,"endTime":3595.7799999999997,"body":"a what's it called?"},{"speaker":"Carl Widger","startTime":3597.16,"endTime":3599.92,"body":"Jesus. I thought"},{"speaker":"Carl Widger","startTime":3597.16,"endTime":3599.92,"body":"the talk all the talk about the"},{"speaker":"Carl Widger","startTime":3599.92,"endTime":3605.14,"body":"UK politics was bad. It was just"},{"speaker":"Carl Widger","startTime":3599.92,"endTime":3605.14,"body":"really bad. Anyway, and I've"},{"speaker":"Carl Widger","startTime":3605.14,"endTime":3609.5499999999997,"body":"never kept a manual from a"},{"speaker":"Carl Widger","startTime":3605.14,"endTime":3609.5499999999997,"body":"thermostat or a cooker. Like"},{"speaker":"Carl Widger","startTime":3609.5499999999997,"endTime":3613.24,"body":"that, Nick, I absolutely the"},{"speaker":"Carl Widger","startTime":3609.5499999999997,"endTime":3613.24,"body":"worst in the world. So"},{"speaker":"Nick Lincoln","startTime":3615.339,"endTime":3618.669,"body":"I am very OCD can"},{"speaker":"Nick Lincoln","startTime":3615.339,"endTime":3618.669,"body":"I get that but I use a storm as"},{"speaker":"Nick Lincoln","startTime":3618.669,"endTime":3620.769,"body":"PDFs and Evernote. Now the"},{"speaker":"Nick Lincoln","startTime":3618.669,"endTime":3620.769,"body":"chances are people aren't going"},{"speaker":"Nick Lincoln","startTime":3620.769,"endTime":3623.199,"body":"to need any of that stuff. But"},{"speaker":"Nick Lincoln","startTime":3620.769,"endTime":3623.199,"body":"they just say, if you need that"},{"speaker":"Nick Lincoln","startTime":3623.199,"endTime":3626.259,"body":"stuff, it's in this file here,"},{"speaker":"Nick Lincoln","startTime":3623.199,"endTime":3626.259,"body":"you know, to click on this link,"},{"speaker":"Nick Lincoln","startTime":3626.259,"endTime":3629.589,"body":"and it is all there but all the"},{"speaker":"Nick Lincoln","startTime":3626.259,"endTime":3629.589,"body":"bloody receipts and manuals"},{"speaker":"Nick Lincoln","startTime":3629.589,"endTime":3632.199,"body":"might you know my sad life on"},{"speaker":"Nick Lincoln","startTime":3629.589,"endTime":3632.199,"body":"this on this face?"},{"speaker":"Carl Widger","startTime":3632.41,"endTime":3634.48,"body":"Anyway, my kids"},{"speaker":"Carl Widger","startTime":3632.41,"endTime":3634.48,"body":"would totally understand that"},{"speaker":"Carl Widger","startTime":3634.48,"endTime":3636.97,"body":"appreciate that. I wouldn't have"},{"speaker":"Carl Widger","startTime":3634.48,"endTime":3636.97,"body":"kept them and they'd have to"},{"speaker":"Carl Widger","startTime":3636.97,"endTime":3640.0299999999997,"body":"figure that stuff out"},{"speaker":"Carl Widger","startTime":3636.97,"endTime":3640.0299999999997,"body":"themselves. I'm embarrassed to"},{"speaker":"Carl Widger","startTime":3640.0299999999997,"endTime":3646.39,"body":"say I haven't done anything like"},{"speaker":"Carl Widger","startTime":3640.0299999999997,"endTime":3646.39,"body":"that. I'm yeah, my personal"},{"speaker":"Carl Widger","startTime":3646.39,"endTime":3649.8399999999997,"body":"scenario still not sorted. So"},{"speaker":"Carl Widger","startTime":3646.39,"endTime":3649.8399999999997,"body":"I'll be a little bit of light"},{"speaker":"Carl Widger","startTime":3649.87,"endTime":3654.94,"body":"before I kind of get all of that"},{"speaker":"Carl Widger","startTime":3649.87,"endTime":3654.94,"body":"stuff done. What I will say is"},{"speaker":"Carl Widger","startTime":3654.97,"endTime":3659.77,"body":"two points in this. When we"},{"speaker":"Carl Widger","startTime":3654.97,"endTime":3659.77,"body":"started out, doing real"},{"speaker":"Carl Widger","startTime":3659.77,"endTime":3662.62,"body":"financial planning we used to"},{"speaker":"Carl Widger","startTime":3659.77,"endTime":3662.62,"body":"give our clients what we called,"},{"speaker":"Carl Widger","startTime":3662.7999999999997,"endTime":3665.74,"body":"was a blue box. It was like a"},{"speaker":"Carl Widger","startTime":3662.7999999999997,"endTime":3665.74,"body":"little box with like various"},{"speaker":"Carl Widger","startTime":3665.74,"endTime":3671.2599999999998,"body":"little slots for various files."},{"speaker":"Carl Widger","startTime":3665.74,"endTime":3671.2599999999998,"body":"I know that an awful lot of"},{"speaker":"Carl Widger","startTime":3671.2599999999998,"endTime":3674.2,"body":"clients still have their blue"},{"speaker":"Carl Widger","startTime":3671.2599999999998,"endTime":3674.2,"body":"box and they have everything in"},{"speaker":"Carl Widger","startTime":3674.2,"endTime":3681.0699999999997,"body":"their blue box and In the US, as"},{"speaker":"Carl Widger","startTime":3674.2,"endTime":3681.0699999999997,"body":"we kind of transformed to the"},{"speaker":"Carl Widger","startTime":3681.0699999999997,"endTime":3684.1,"body":"digital era, I had a coffee with"},{"speaker":"Carl Widger","startTime":3681.0699999999997,"endTime":3684.1,"body":"a friend of mine yesterday. And"},{"speaker":"Carl Widger","startTime":3684.1,"endTime":3687.16,"body":"he asked me exactly about this"},{"speaker":"Carl Widger","startTime":3684.1,"endTime":3687.16,"body":"point, he said, what's going to"},{"speaker":"Carl Widger","startTime":3687.16,"endTime":3690.79,"body":"happen if something happened to"},{"speaker":"Carl Widger","startTime":3687.16,"endTime":3690.79,"body":"me, when at least two of my"},{"speaker":"Carl Widger","startTime":3690.79,"endTime":3695.44,"body":"accounts are only access via my"},{"speaker":"Carl Widger","startTime":3690.79,"endTime":3695.44,"body":"thumbprint? And I was like,"},{"speaker":"Carl Widger","startTime":3695.47,"endTime":3698.0499999999997,"body":"that's actually a really good"},{"speaker":"Carl Widger","startTime":3695.47,"endTime":3698.0499999999997,"body":"point, you should probably write"},{"speaker":"Carl Widger","startTime":3698.0499999999997,"endTime":3700.75,"body":"all of this down in a document."},{"speaker":"Carl Widger","startTime":3698.0499999999997,"endTime":3700.75,"body":"I'll put you in touch with Nick"},{"speaker":"Carl Widger","startTime":3700.75,"endTime":3706.63,"body":"Lincoln. He's the master. But,"},{"speaker":"Carl Widger","startTime":3700.75,"endTime":3706.63,"body":"but yeah, so look, it's it's an"},{"speaker":"Carl Widger","startTime":3706.63,"endTime":3710.56,"body":"area of I suppose, when we do"},{"speaker":"Carl Widger","startTime":3706.63,"endTime":3710.56,"body":"financial plans for our clients,"},{"speaker":"Carl Widger","startTime":3710.56,"endTime":3713.5899999999997,"body":"we would always you know, it's"},{"speaker":"Carl Widger","startTime":3710.56,"endTime":3713.5899999999997,"body":"especially when there's couples"},{"speaker":"Carl Widger","startTime":3713.5899999999997,"endTime":3716.44,"body":"there, we would say, Look, you"},{"speaker":"Carl Widger","startTime":3713.5899999999997,"endTime":3716.44,"body":"know, if anything was to happen,"},{"speaker":"Carl Widger","startTime":3716.47,"endTime":3719.98,"body":"your first port of call is us,"},{"speaker":"Carl Widger","startTime":3716.47,"endTime":3719.98,"body":"because we know exactly where"},{"speaker":"Carl Widger","startTime":3719.98,"endTime":3722.68,"body":"everything is, we're never going"},{"speaker":"Carl Widger","startTime":3719.98,"endTime":3722.68,"body":"to have the manual for the"},{"speaker":"Carl Widger","startTime":3722.68,"endTime":3725.89,"body":"washing machine. But in terms of"},{"speaker":"Carl Widger","startTime":3722.68,"endTime":3725.89,"body":"your finances, your wills, you"},{"speaker":"Carl Widger","startTime":3725.89,"endTime":3729.58,"body":"know, all of that kind of stuff,"},{"speaker":"Carl Widger","startTime":3725.89,"endTime":3729.58,"body":"I think, you know, we are,"},{"speaker":"Carl Widger","startTime":3729.94,"endTime":3733.6,"body":"that's part of the service, we"},{"speaker":"Carl Widger","startTime":3729.94,"endTime":3733.6,"body":"are your partner here. We're"},{"speaker":"Carl Widger","startTime":3733.63,"endTime":3736.39,"body":"your partner in good times, and"},{"speaker":"Carl Widger","startTime":3733.63,"endTime":3736.39,"body":"in bad times, and we will help"},{"speaker":"Carl Widger","startTime":3736.39,"endTime":3739.15,"body":"people get through. And we have"},{"speaker":"Carl Widger","startTime":3736.39,"endTime":3739.15,"body":"successfully done that. And, you"},{"speaker":"Carl Widger","startTime":3739.15,"endTime":3742.8399999999997,"body":"know, that's part of the, you"},{"speaker":"Carl Widger","startTime":3739.15,"endTime":3742.8399999999997,"body":"know, if you get very close to"},{"speaker":"Carl Widger","startTime":3742.8399999999997,"endTime":3745.69,"body":"your client, you know, what"},{"speaker":"Carl Widger","startTime":3742.8399999999997,"endTime":3745.69,"body":"their goals, dreams and"},{"speaker":"Carl Widger","startTime":3745.69,"endTime":3748.33,"body":"aspirations are. So it's not"},{"speaker":"Carl Widger","startTime":3745.69,"endTime":3748.33,"body":"just about the finances, and"},{"speaker":"Carl Widger","startTime":3748.54,"endTime":3751.0899999999997,"body":"therefore, you're in the best"},{"speaker":"Carl Widger","startTime":3748.54,"endTime":3751.0899999999997,"body":"possible place to help people"},{"speaker":"Carl Widger","startTime":3751.0899999999997,"endTime":3753.2799999999997,"body":"through difficult periods like"},{"speaker":"Carl Widger","startTime":3751.0899999999997,"endTime":3753.2799999999997,"body":"that."},{"speaker":"Nick Lincoln","startTime":3754.5699999999997,"endTime":3756.97,"body":"Okay, I know,"},{"speaker":"Nick Lincoln","startTime":3754.5699999999997,"endTime":3756.97,"body":"Alan, you you've you've, you've"},{"speaker":"Nick Lincoln","startTime":3756.97,"endTime":3759.46,"body":"done this, haven't you written"},{"speaker":"Nick Lincoln","startTime":3756.97,"endTime":3759.46,"body":"out? You know, if Adam Smith is"},{"speaker":"Nick Lincoln","startTime":3759.46,"endTime":3762.91,"body":"not around, you know, where the"},{"speaker":"Nick Lincoln","startTime":3759.46,"endTime":3762.91,"body":"parties are held? And then"},{"speaker":"Nick Lincoln","startTime":3762.91,"endTime":3766.5699999999997,"body":"secondly, wherever your what"},{"speaker":"Nick Lincoln","startTime":3762.91,"endTime":3766.5699999999997,"body":"your what your lovely wife would"},{"speaker":"Nick Lincoln","startTime":3766.5699999999997,"endTime":3768.73,"body":"do and what what did she say"},{"speaker":"Nick Lincoln","startTime":3766.5699999999997,"endTime":3768.73,"body":"when you mentioned this to her"},{"speaker":"Nick Lincoln","startTime":3768.73,"endTime":3769.12,"body":"recently?"},{"speaker":"Alan Smith","startTime":3769.81,"endTime":3772.72,"body":"She said, Oh, yeah,"},{"speaker":"Alan Smith","startTime":3769.81,"endTime":3772.72,"body":"you did. I have no idea where it"},{"speaker":"Alan Smith","startTime":3772.72,"endTime":3778.75,"body":"is, though. So So yeah, that's"},{"speaker":"Alan Smith","startTime":3772.72,"endTime":3778.75,"body":"the other thing as well is Yeah,"},{"speaker":"Alan Smith","startTime":3778.75,"endTime":3783.6099999999997,"body":"I did yeah, two years ago,"},{"speaker":"Alan Smith","startTime":3778.75,"endTime":3783.6099999999997,"body":"created, and it was just as"},{"speaker":"Alan Smith","startTime":3783.6099999999997,"endTime":3787.54,"body":"documents as your Word doc,"},{"speaker":"Alan Smith","startTime":3783.6099999999997,"endTime":3787.54,"body":"which is less shareable really"},{"speaker":"Alan Smith","startTime":3787.54,"endTime":3790.39,"body":"think Google Doc. But anyway, do"},{"speaker":"Alan Smith","startTime":3787.54,"endTime":3790.39,"body":"this and kind of brain dump"},{"speaker":"Alan Smith","startTime":3790.39,"endTime":3792.64,"body":"everything I had, it didn't have"},{"speaker":"Alan Smith","startTime":3790.39,"endTime":3792.64,"body":"the thermostat or the cooker,"},{"speaker":"Alan Smith","startTime":3792.64,"endTime":3794.77,"body":"the lipo to work that out. But I"},{"speaker":"Alan Smith","startTime":3792.64,"endTime":3794.77,"body":"had all kinds of financial"},{"speaker":"Alan Smith","startTime":3794.77,"endTime":3799.33,"body":"stuff. bank account details, I"},{"speaker":"Alan Smith","startTime":3794.77,"endTime":3799.33,"body":"mean, I've got God, I've just"},{"speaker":"Alan Smith","startTime":3799.33,"endTime":3803.35,"body":"got a, you know, a few kind of"},{"speaker":"Alan Smith","startTime":3799.33,"endTime":3803.35,"body":"legacy, things that aren't, you"},{"speaker":"Alan Smith","startTime":3803.35,"endTime":3806.14,"body":"know, they're not, they're just"},{"speaker":"Alan Smith","startTime":3803.35,"endTime":3806.14,"body":"not necessarily known, just"},{"speaker":"Alan Smith","startTime":3806.17,"endTime":3809.08,"body":"investments and small accounts"},{"speaker":"Alan Smith","startTime":3806.17,"endTime":3809.08,"body":"here and there. So just want to"},{"speaker":"Alan Smith","startTime":3809.08,"endTime":3812.5299999999997,"body":"have a list of things that she"},{"speaker":"Alan Smith","startTime":3809.08,"endTime":3812.5299999999997,"body":"knew about which but here's the"},{"speaker":"Alan Smith","startTime":3812.5299999999997,"endTime":3814.42,"body":"other challenge. And that just"},{"speaker":"Alan Smith","startTime":3812.5299999999997,"endTime":3814.42,"body":"needs to be because you can do"},{"speaker":"Alan Smith","startTime":3814.42,"endTime":3818.14,"body":"all this and create whatever"},{"speaker":"Alan Smith","startTime":3814.42,"endTime":3818.14,"body":"format be a digital hardcopy,"},{"speaker":"Alan Smith","startTime":3818.62,"endTime":3823.6,"body":"but the person to whom it's"},{"speaker":"Alan Smith","startTime":3818.62,"endTime":3823.6,"body":"designed for now, be careful to"},{"speaker":"Alan Smith","startTime":3823.6,"endTime":3826.18,"body":"save it to store it now you can"},{"speaker":"Alan Smith","startTime":3823.6,"endTime":3826.18,"body":"print it off. But the point"},{"speaker":"Alan Smith","startTime":3826.18,"endTime":3828.25,"body":"being if you print it off, it'll"},{"speaker":"Alan Smith","startTime":3826.18,"endTime":3828.25,"body":"change. So many things have"},{"speaker":"Alan Smith","startTime":3828.25,"endTime":3832.18,"body":"changed over the last since I"},{"speaker":"Alan Smith","startTime":3828.25,"endTime":3832.18,"body":"did it three, four years ago. So"},{"speaker":"Alan Smith","startTime":3832.18,"endTime":3834.22,"body":"it's hard to keep it, maybe you"},{"speaker":"Alan Smith","startTime":3832.18,"endTime":3834.22,"body":"should just do it, everyone"},{"speaker":"Alan Smith","startTime":3834.22,"endTime":3838.39,"body":"instead of speaking. First of"},{"speaker":"Alan Smith","startTime":3834.22,"endTime":3838.39,"body":"all, it's just us or me, as a"},{"speaker":"Alan Smith","startTime":3838.39,"endTime":3841.0899999999997,"body":"business owner, we're not overly"},{"speaker":"Alan Smith","startTime":3838.39,"endTime":3841.0899999999997,"body":"complex and FERS but certainly"},{"speaker":"Alan Smith","startTime":3841.0899999999997,"endTime":3845.23,"body":"there's quite a number of moving"},{"speaker":"Alan Smith","startTime":3841.0899999999997,"endTime":3845.23,"body":"parts in it. So there needs to"},{"speaker":"Alan Smith","startTime":3845.23,"endTime":3847.7799999999997,"body":"be a method of doing it. And"},{"speaker":"Alan Smith","startTime":3845.23,"endTime":3847.7799999999997,"body":"whether it's just an annual, you"},{"speaker":"Alan Smith","startTime":3847.7799999999997,"endTime":3850.42,"body":"know, internal family meeting"},{"speaker":"Alan Smith","startTime":3847.7799999999997,"endTime":3850.42,"body":"and you say, well, I'll print it"},{"speaker":"Alan Smith","startTime":3850.42,"endTime":3853.06,"body":"off again, and keep it here. And"},{"speaker":"Alan Smith","startTime":3850.42,"endTime":3853.06,"body":"this bloody drawer makes sure"},{"speaker":"Alan Smith","startTime":3853.06,"endTime":3857.29,"body":"you don't forget where it is."},{"speaker":"Alan Smith","startTime":3853.06,"endTime":3857.29,"body":"That's an important thing. But I"},{"speaker":"Alan Smith","startTime":3857.29,"endTime":3860.35,"body":"did, I think broadening that"},{"speaker":"Alan Smith","startTime":3857.29,"endTime":3860.35,"body":"it's out to a service to"},{"speaker":"Alan Smith","startTime":3860.35,"endTime":3866.95,"body":"clients. I think it's really"},{"speaker":"Alan Smith","startTime":3860.35,"endTime":3866.95,"body":"important to, I think this kind"},{"speaker":"Alan Smith","startTime":3866.95,"endTime":3871.48,"body":"of, you know, additional service"},{"speaker":"Alan Smith","startTime":3866.95,"endTime":3871.48,"body":"we provide as the trusted"},{"speaker":"Alan Smith","startTime":3871.72,"endTime":3875.23,"body":"adviser to the families in a"},{"speaker":"Alan Smith","startTime":3871.72,"endTime":3875.23,"body":"circle. I think this goes hand"},{"speaker":"Alan Smith","startTime":3875.23,"endTime":3878.47,"body":"in hand with this stuff. I was"},{"speaker":"Alan Smith","startTime":3875.23,"endTime":3878.47,"body":"speaking to a new potential"},{"speaker":"Alan Smith","startTime":3878.5,"endTime":3880.7799999999997,"body":"potential new client the other"},{"speaker":"Alan Smith","startTime":3878.5,"endTime":3880.7799999999997,"body":"day, and he said that one of the"},{"speaker":"Alan Smith","startTime":3880.81,"endTime":3883.7799999999997,"body":"I think I'm reasonably competent"},{"speaker":"Alan Smith","startTime":3880.81,"endTime":3883.7799999999997,"body":"at doing some of this stuff"},{"speaker":"Alan Smith","startTime":3883.7799999999997,"endTime":3887.2599999999998,"body":"myself. But as I get older, this"},{"speaker":"Alan Smith","startTime":3883.7799999999997,"endTime":3887.2599999999998,"body":"guy said to me, so I think it's"},{"speaker":"Alan Smith","startTime":3887.2599999999998,"endTime":3890.0499999999997,"body":"important that we have somebody"},{"speaker":"Alan Smith","startTime":3887.2599999999998,"endTime":3890.0499999999997,"body":"in our family that should not be"},{"speaker":"Alan Smith","startTime":3890.0499999999997,"endTime":3893.0499999999997,"body":"around anymore. And without"},{"speaker":"Alan Smith","startTime":3890.0499999999997,"endTime":3893.0499999999997,"body":"being sexist about it, it is"},{"speaker":"Alan Smith","startTime":3893.0499999999997,"endTime":3897.31,"body":"usually the man or the male who"},{"speaker":"Alan Smith","startTime":3893.0499999999997,"endTime":3897.31,"body":"takes control the family"},{"speaker":"Alan Smith","startTime":3897.31,"endTime":3902.71,"body":"finances. And so and he said, he"},{"speaker":"Alan Smith","startTime":3897.31,"endTime":3902.71,"body":"said, he said to me, he said, My"},{"speaker":"Alan Smith","startTime":3902.71,"endTime":3904.87,"body":"wife doesn't really know much"},{"speaker":"Alan Smith","startTime":3902.71,"endTime":3904.87,"body":"about this stuff. And I wanted"},{"speaker":"Alan Smith","startTime":3904.87,"endTime":3907.15,"body":"to want to get involved. But if"},{"speaker":"Alan Smith","startTime":3904.87,"endTime":3907.15,"body":"I'm no longer around, I'd like"},{"speaker":"Alan Smith","startTime":3907.15,"endTime":3910.39,"body":"to ensure that somebody that I"},{"speaker":"Alan Smith","startTime":3907.15,"endTime":3910.39,"body":"know and trust and respect who"},{"speaker":"Alan Smith","startTime":3910.39,"endTime":3913.5699999999997,"body":"could step into that role and"},{"speaker":"Alan Smith","startTime":3910.39,"endTime":3913.5699999999997,"body":"can take care of things. I"},{"speaker":"Alan Smith","startTime":3913.5699999999997,"endTime":3917.47,"body":"remember speaking to a client,"},{"speaker":"Alan Smith","startTime":3913.5699999999997,"endTime":3917.47,"body":"Lady client several years ago,"},{"speaker":"Alan Smith","startTime":3918.22,"endTime":3920.5299999999997,"body":"whose husband just died and I"},{"speaker":"Alan Smith","startTime":3918.22,"endTime":3920.5299999999997,"body":"knew the husband pretty well and"},{"speaker":"Alan Smith","startTime":3920.5299999999997,"endTime":3924.49,"body":"I went to see her at her home."},{"speaker":"Alan Smith","startTime":3920.5299999999997,"endTime":3924.49,"body":"And she did say she said exactly"},{"speaker":"Alan Smith","startTime":3924.49,"endTime":3928.24,"body":"that. Next she said I don't even"},{"speaker":"Alan Smith","startTime":3924.49,"endTime":3928.24,"body":"know how the Sky TV works. You"},{"speaker":"Alan Smith","startTime":3928.24,"endTime":3931.48,"body":"know, Bill took care of all that"},{"speaker":"Alan Smith","startTime":3928.24,"endTime":3931.48,"body":"stuff to get everything and this"},{"speaker":"Alan Smith","startTime":3931.48,"endTime":3933.79,"body":"is somebody now often you'd have"},{"speaker":"Alan Smith","startTime":3931.48,"endTime":3933.79,"body":"members of the family you know"},{"speaker":"Alan Smith","startTime":3933.79,"endTime":3937.18,"body":"the son or grandson or somebody"},{"speaker":"Alan Smith","startTime":3933.79,"endTime":3937.18,"body":"step in and take care of this"},{"speaker":"Alan Smith","startTime":3937.18,"endTime":3939.8199999999997,"body":"stuff. This is a lady who had"},{"speaker":"Alan Smith","startTime":3937.18,"endTime":3939.8199999999997,"body":"two daughters, one of whom lived"},{"speaker":"Alan Smith","startTime":3939.8199999999997,"endTime":3943.0299999999997,"body":"in Australia and one lives some"},{"speaker":"Alan Smith","startTime":3939.8199999999997,"endTime":3943.0299999999997,"body":"miles away and it just it wasn't"},{"speaker":"Alan Smith","startTime":3943.24,"endTime":3946.15,"body":"quite so helpful that some of"},{"speaker":"Alan Smith","startTime":3943.24,"endTime":3946.15,"body":"just the other kind of life"},{"speaker":"Alan Smith","startTime":3946.42,"endTime":3951.37,"body":"stuff. So I think it can be a"},{"speaker":"Alan Smith","startTime":3946.42,"endTime":3951.37,"body":"value added service if we"},{"speaker":"Alan Smith","startTime":3951.8199999999997,"endTime":3956.98,"body":"purport to be trusted advisors"},{"speaker":"Alan Smith","startTime":3951.8199999999997,"endTime":3956.98,"body":"and a lot of this the Canada"},{"speaker":"Alan Smith","startTime":3956.98,"endTime":3960.2799999999997,"body":"financial stuff can be you know"},{"speaker":"Alan Smith","startTime":3956.98,"endTime":3960.2799999999997,"body":"relatively straightforward to"},{"speaker":"Alan Smith","startTime":3960.2799999999997,"endTime":3962.56,"body":"invest this particular way you"},{"speaker":"Alan Smith","startTime":3960.2799999999997,"endTime":3962.56,"body":"need to have a plan util you"},{"speaker":"Alan Smith","startTime":3962.56,"endTime":3965.8599999999997,"body":"know, stick with the plan as"},{"speaker":"Alan Smith","startTime":3962.56,"endTime":3965.8599999999997,"body":"Carlos says, But what about the"},{"speaker":"Alan Smith","startTime":3965.8599999999997,"endTime":3968.56,"body":"other stuff when life becomes"},{"speaker":"Alan Smith","startTime":3965.8599999999997,"endTime":3968.56,"body":"challenging or different? I"},{"speaker":"Alan Smith","startTime":3968.56,"endTime":3970.96,"body":"think there are there's there's"},{"speaker":"Alan Smith","startTime":3968.56,"endTime":3970.96,"body":"a there's definitely value in"},{"speaker":"Alan Smith","startTime":3970.96,"endTime":3975.22,"body":"creating. I'd call it an ice"},{"speaker":"Alan Smith","startTime":3970.96,"endTime":3975.22,"body":"pack in case of emergency break"},{"speaker":"Alan Smith","startTime":3975.22,"endTime":3977.95,"body":"glass or get some He opened the"},{"speaker":"Alan Smith","startTime":3975.22,"endTime":3977.95,"body":"folder. Here's all the"},{"speaker":"Alan Smith","startTime":3977.95,"endTime":3980.38,"body":"information. Here's the stuff,"},{"speaker":"Alan Smith","startTime":3977.95,"endTime":3980.38,"body":"this is what you need to do and"},{"speaker":"Alan Smith","startTime":3980.38,"endTime":3983.83,"body":"for something else that we can"},{"speaker":"Alan Smith","startTime":3980.38,"endTime":3983.83,"body":"help you with. Give us a call,"},{"speaker":"Alan Smith","startTime":3983.98,"endTime":3984.49,"body":"Andy."},{"speaker":"Andy Hart","startTime":3985.39,"endTime":3988.0,"body":"Yeah, a couple of"},{"speaker":"Andy Hart","startTime":3985.39,"endTime":3988.0,"body":"points. I think a good friend of"},{"speaker":"Andy Hart","startTime":3988.0299999999997,"endTime":3990.97,"body":"a couple of us on the show Kev"},{"speaker":"Andy Hart","startTime":3988.0299999999997,"endTime":3990.97,"body":"de mer, I think he coined the"},{"speaker":"Andy Hart","startTime":3991.24,"endTime":3993.79,"body":"acronym ice in case of"},{"speaker":"Andy Hart","startTime":3991.24,"endTime":3993.79,"body":"emergency, the first time I"},{"speaker":"Andy Hart","startTime":3993.79,"endTime":3996.43,"body":"heard it. And I know he does"},{"speaker":"Andy Hart","startTime":3993.79,"endTime":3996.43,"body":"quite a lot of good work with"},{"speaker":"Andy Hart","startTime":3996.43,"endTime":3999.91,"body":"his clients. So in relation to"},{"speaker":"Andy Hart","startTime":3996.43,"endTime":3999.91,"body":"that, I've personally had three"},{"speaker":"Andy Hart","startTime":3999.91,"endTime":4004.56,"body":"clients pass away die, all three"},{"speaker":"Andy Hart","startTime":3999.91,"endTime":4004.56,"body":"were male, all three with a"},{"speaker":"Andy Hart","startTime":4004.56,"endTime":4007.95,"body":"dominant one in terms of the"},{"speaker":"Andy Hart","startTime":4004.56,"endTime":4007.95,"body":"finances and the knowledge. But"},{"speaker":"Andy Hart","startTime":4007.95,"endTime":4010.68,"body":"I knew all three of the"},{"speaker":"Andy Hart","startTime":4007.95,"endTime":4010.68,"body":"survivors. And one of the"},{"speaker":"Andy Hart","startTime":4010.68,"endTime":4013.17,"body":"benefits of working with a"},{"speaker":"Andy Hart","startTime":4010.68,"endTime":4013.17,"body":"proper financial advisor that"},{"speaker":"Andy Hart","startTime":4013.17,"endTime":4015.3599999999997,"body":"looks after families and"},{"speaker":"Andy Hart","startTime":4013.17,"endTime":4015.3599999999997,"body":"couples, not individuals and"},{"speaker":"Andy Hart","startTime":4015.3599999999997,"endTime":4019.5299999999997,"body":"pots of money, is you are there"},{"speaker":"Andy Hart","startTime":4015.3599999999997,"endTime":4019.5299999999997,"body":"for the survivor. I mean, if you"},{"speaker":"Andy Hart","startTime":4019.5299999999997,"endTime":4021.99,"body":"take that to new clients in"},{"speaker":"Andy Hart","startTime":4019.5299999999997,"endTime":4021.99,"body":"their 40s, it just sounds a bit"},{"speaker":"Andy Hart","startTime":4022.02,"endTime":4023.5499999999997,"body":"murky, that's probably not"},{"speaker":"Andy Hart","startTime":4022.02,"endTime":4023.5499999999997,"body":"really going to be something"},{"speaker":"Andy Hart","startTime":4023.5499999999997,"endTime":4026.04,"body":"that we're going to use. But"},{"speaker":"Andy Hart","startTime":4023.5499999999997,"endTime":4026.04,"body":"certainly when they're in their"},{"speaker":"Andy Hart","startTime":4026.04,"endTime":4029.0699999999997,"body":"60s and 70s, you know, being"},{"speaker":"Andy Hart","startTime":4026.04,"endTime":4029.0699999999997,"body":"there for the survivor is"},{"speaker":"Andy Hart","startTime":4029.0699999999997,"endTime":4032.7,"body":"something important. So early"},{"speaker":"Andy Hart","startTime":4029.0699999999997,"endTime":4032.7,"body":"on, I obviously want to meet the"},{"speaker":"Andy Hart","startTime":4032.7,"endTime":4036.24,"body":"couple. And even if there's one"},{"speaker":"Andy Hart","startTime":4032.7,"endTime":4036.24,"body":"who's less financially dominant,"},{"speaker":"Andy Hart","startTime":4036.27,"endTime":4039.39,"body":"I certainly want to meet them in"},{"speaker":"Andy Hart","startTime":4036.27,"endTime":4039.39,"body":"the early onboarding stages. I"},{"speaker":"Andy Hart","startTime":4039.39,"endTime":4041.4,"body":"then say if they want to sort of"},{"speaker":"Andy Hart","startTime":4039.39,"endTime":4041.4,"body":"dip out have a couple of"},{"speaker":"Andy Hart","startTime":4041.4,"endTime":4043.1099999999997,"body":"meetings here, they're in"},{"speaker":"Andy Hart","startTime":4041.4,"endTime":4043.1099999999997,"body":"everywhere. It's not it's not"},{"speaker":"Andy Hart","startTime":4043.1099999999997,"endTime":4044.97,"body":"the end of the world, but at"},{"speaker":"Andy Hart","startTime":4043.1099999999997,"endTime":4044.97,"body":"least they know me. And if"},{"speaker":"Andy Hart","startTime":4044.97,"endTime":4048.63,"body":"anything happens, I'm available"},{"speaker":"Andy Hart","startTime":4044.97,"endTime":4048.63,"body":"for them. Yeah, so it's got"},{"speaker":"Andy Hart","startTime":4048.66,"endTime":4051.0299999999997,"body":"quite a few moving parts here."},{"speaker":"Andy Hart","startTime":4048.66,"endTime":4051.0299999999997,"body":"What do we do personally, is"},{"speaker":"Andy Hart","startTime":4051.0299999999997,"endTime":4055.1099999999997,"body":"sort of conversation itself. And"},{"speaker":"Andy Hart","startTime":4051.0299999999997,"endTime":4055.1099999999997,"body":"then how how, how much do we"},{"speaker":"Andy Hart","startTime":4055.1099999999997,"endTime":4058.0499999999997,"body":"lead with this with our clients"},{"speaker":"Andy Hart","startTime":4055.1099999999997,"endTime":4058.0499999999997,"body":"is a is another conversation. I"},{"speaker":"Andy Hart","startTime":4058.0499999999997,"endTime":4060.7799999999997,"body":"know, some advisors and firms"},{"speaker":"Andy Hart","startTime":4058.0499999999997,"endTime":4060.7799999999997,"body":"have put together decent sort of"},{"speaker":"Andy Hart","startTime":4060.7799999999997,"endTime":4065.67,"body":"PDFs in relation to this. But I"},{"speaker":"Andy Hart","startTime":4060.7799999999997,"endTime":4065.67,"body":"haven't seen any any for a"},{"speaker":"Andy Hart","startTime":4065.67,"endTime":4068.43,"body":"while. But I know there's some"},{"speaker":"Andy Hart","startTime":4065.67,"endTime":4068.43,"body":"sort of templates out there. So"},{"speaker":"Andy Hart","startTime":4068.43,"endTime":4069.9,"body":"yeah. Who's next?"},{"speaker":"Alan Smith","startTime":4070.68,"endTime":4072.7799999999997,"body":"Can I just can I"},{"speaker":"Alan Smith","startTime":4070.68,"endTime":4072.7799999999997,"body":"just come back briefly on a"},{"speaker":"Alan Smith","startTime":4072.87,"endTime":4078.0299999999997,"body":"associated point, when I was"},{"speaker":"Alan Smith","startTime":4072.87,"endTime":4078.0299999999997,"body":"speaking to prospective new"},{"speaker":"Alan Smith","startTime":4078.18,"endTime":4081.99,"body":"clients, and I was describing"},{"speaker":"Alan Smith","startTime":4078.18,"endTime":4081.99,"body":"what are sort of processes,"},{"speaker":"Alan Smith","startTime":4081.99,"endTime":4084.21,"body":"what's the next stage of the you"},{"speaker":"Alan Smith","startTime":4081.99,"endTime":4084.21,"body":"know, we have initial what we"},{"speaker":"Alan Smith","startTime":4084.21,"endTime":4086.19,"body":"call a coffee meeting, which"},{"speaker":"Alan Smith","startTime":4084.21,"endTime":4086.19,"body":"needs to be a telephone call"},{"speaker":"Alan Smith","startTime":4086.19,"endTime":4089.25,"body":"initial chatter. So Well, the"},{"speaker":"Alan Smith","startTime":4086.19,"endTime":4089.25,"body":"next stage is, we'd like to"},{"speaker":"Alan Smith","startTime":4089.25,"endTime":4093.15,"body":"invite you and your wife into"},{"speaker":"Alan Smith","startTime":4089.25,"endTime":4093.15,"body":"our office to do and doesn't"},{"speaker":"Alan Smith","startTime":4093.15,"endTime":4094.8599999999997,"body":"have to be our office, but we'd"},{"speaker":"Alan Smith","startTime":4093.15,"endTime":4094.8599999999997,"body":"like to invite you and your"},{"speaker":"Alan Smith","startTime":4094.8599999999997,"endTime":4097.6500000000005,"body":"wife, because that's the way we"},{"speaker":"Alan Smith","startTime":4094.8599999999997,"endTime":4097.6500000000005,"body":"do things we meet as a couple"},{"speaker":"Alan Smith","startTime":4097.6500000000005,"endTime":4100.35,"body":"because we consider ourselves to"},{"speaker":"Alan Smith","startTime":4097.6500000000005,"endTime":4100.35,"body":"be advisors to the family and"},{"speaker":"Alan Smith","startTime":4100.35,"endTime":4103.9800000000005,"body":"not to just to you. And this guy"},{"speaker":"Alan Smith","startTime":4100.35,"endTime":4103.9800000000005,"body":"said straightaway, said,"},{"speaker":"Alan Smith","startTime":4104.1900000000005,"endTime":4107.22,"body":"fantastic. He said, I've spoken"},{"speaker":"Alan Smith","startTime":4104.1900000000005,"endTime":4107.22,"body":"to another couple of firms that"},{"speaker":"Alan Smith","startTime":4107.22,"endTime":4109.08,"body":"didn't mention that at all that"},{"speaker":"Alan Smith","startTime":4107.22,"endTime":4109.08,"body":"to me is really, really"},{"speaker":"Alan Smith","startTime":4109.08,"endTime":4113.9400000000005,"body":"important now for us is is basic"},{"speaker":"Alan Smith","startTime":4109.08,"endTime":4113.9400000000005,"body":"is hygiene factor. But a lot of"},{"speaker":"Alan Smith","startTime":4113.9400000000005,"endTime":4116.1,"body":"other firms don't do that. They"},{"speaker":"Alan Smith","startTime":4113.9400000000005,"endTime":4116.1,"body":"say, Well, it's the man has"},{"speaker":"Alan Smith","startTime":4116.1,"endTime":4118.6500000000005,"body":"called me up. He's the one that"},{"speaker":"Alan Smith","startTime":4116.1,"endTime":4118.6500000000005,"body":"sort of knows about the money in"},{"speaker":"Alan Smith","startTime":4118.6500000000005,"endTime":4121.59,"body":"the family finances, we only"},{"speaker":"Alan Smith","startTime":4118.6500000000005,"endTime":4121.59,"body":"need to speak to him. Or we say"},{"speaker":"Alan Smith","startTime":4121.59,"endTime":4124.17,"body":"no, it's it's, it's quite"},{"speaker":"Alan Smith","startTime":4121.59,"endTime":4124.17,"body":"different. And sometimes it can"},{"speaker":"Alan Smith","startTime":4124.17,"endTime":4126.81,"body":"be a bit difficult about you"},{"speaker":"Alan Smith","startTime":4124.17,"endTime":4126.81,"body":"know, people juggling calendars"},{"speaker":"Alan Smith","startTime":4126.81,"endTime":4129.9000000000005,"body":"and diaries, and finding the"},{"speaker":"Alan Smith","startTime":4126.81,"endTime":4129.9000000000005,"body":"time I say well, wait. And so we"},{"speaker":"Alan Smith","startTime":4129.9000000000005,"endTime":4133.47,"body":"can all get together in a room"},{"speaker":"Alan Smith","startTime":4129.9000000000005,"endTime":4133.47,"body":"with because we are here to"},{"speaker":"Alan Smith","startTime":4133.5,"endTime":4137.43,"body":"advise your family. And not just"},{"speaker":"Alan Smith","startTime":4133.5,"endTime":4137.43,"body":"you and I'm sure your your"},{"speaker":"Alan Smith","startTime":4137.43,"endTime":4140.37,"body":"spouse, your other half will"},{"speaker":"Alan Smith","startTime":4137.43,"endTime":4140.37,"body":"have a lot of views on how she"},{"speaker":"Alan Smith","startTime":4140.37,"endTime":4143.85,"body":"sees the future, working out for"},{"speaker":"Alan Smith","startTime":4140.37,"endTime":4143.85,"body":"you as a couple in your family,"},{"speaker":"Alan Smith","startTime":4143.91,"endTime":4146.25,"body":"what your values are, and what's"},{"speaker":"Alan Smith","startTime":4143.91,"endTime":4146.25,"body":"important to you. And it was"},{"speaker":"Alan Smith","startTime":4146.25,"endTime":4149.01,"body":"just a reminder, to me, this"},{"speaker":"Alan Smith","startTime":4146.25,"endTime":4149.01,"body":"stuff is important. Anyone"},{"speaker":"Alan Smith","startTime":4149.01,"endTime":4152.43,"body":"listening to this, always do"},{"speaker":"Alan Smith","startTime":4149.01,"endTime":4152.43,"body":"your best to encourage if there"},{"speaker":"Alan Smith","startTime":4152.43,"endTime":4156.6,"body":"is a couple, there's two people"},{"speaker":"Alan Smith","startTime":4152.43,"endTime":4156.6,"body":"together. Meet them both. It's"},{"speaker":"Alan Smith","startTime":4156.6,"endTime":4157.32,"body":"really important."},{"speaker":"Nick Lincoln","startTime":4160.17,"endTime":4161.76,"body":"And your hand was"},{"speaker":"Nick Lincoln","startTime":4160.17,"endTime":4161.76,"body":"raised and now we're waiting for"},{"speaker":"Nick Lincoln","startTime":4161.76,"endTime":4162.87,"body":"you to say something. So yeah,"},{"speaker":"Andy Hart","startTime":4162.87,"endTime":4165.36,"body":"I'm almost I'm almost"},{"speaker":"Andy Hart","startTime":4162.87,"endTime":4165.36,"body":"certain that is still the"},{"speaker":"Andy Hart","startTime":4165.36,"endTime":4169.2,"body":"minority of financial advisors."},{"speaker":"Andy Hart","startTime":4165.36,"endTime":4169.2,"body":"They are delighted to look after"},{"speaker":"Andy Hart","startTime":4169.2,"endTime":4172.32,"body":"a random pot of money that"},{"speaker":"Andy Hart","startTime":4169.2,"endTime":4172.32,"body":"delighted to look after a random"},{"speaker":"Andy Hart","startTime":4172.32,"endTime":4177.18,"body":"individual. But yeah, front"},{"speaker":"Andy Hart","startTime":4172.32,"endTime":4177.18,"body":"front foot. No, we only look"},{"speaker":"Andy Hart","startTime":4177.18,"endTime":4179.97,"body":"after couples, we only look"},{"speaker":"Andy Hart","startTime":4177.18,"endTime":4179.97,"body":"after families. That's how we"},{"speaker":"Andy Hart","startTime":4179.97,"endTime":4181.5,"body":"work here. Take it or leave it"},{"speaker":"Andy Hart","startTime":4179.97,"endTime":4181.5,"body":"basically."},{"speaker":"Nick Lincoln","startTime":4182.939,"endTime":4185.099,"body":"Yeah, I just okay,"},{"speaker":"Nick Lincoln","startTime":4182.939,"endTime":4185.099,"body":"well wrap, wrap, wrap this up,"},{"speaker":"Nick Lincoln","startTime":4185.099,"endTime":4186.839,"body":"it's not perhaps the most"},{"speaker":"Nick Lincoln","startTime":4185.099,"endTime":4186.839,"body":"interesting. So it's just front"},{"speaker":"Nick Lincoln","startTime":4186.839,"endTime":4190.349,"body":"of my mind, it was just I would"},{"speaker":"Nick Lincoln","startTime":4186.839,"endTime":4190.349,"body":"want this from you know, I"},{"speaker":"Nick Lincoln","startTime":4190.349,"endTime":4193.589,"body":"would, if I didn't know how the"},{"speaker":"Nick Lincoln","startTime":4190.349,"endTime":4193.589,"body":"house was robbed, I would want"},{"speaker":"Nick Lincoln","startTime":4193.589,"endTime":4197.159,"body":"something like this. If my if my"},{"speaker":"Nick Lincoln","startTime":4193.589,"endTime":4197.159,"body":"partner died, and she did it all"},{"speaker":"Nick Lincoln","startTime":4197.159,"endTime":4200.189,"body":"Penny passed away, I would want"},{"speaker":"Nick Lincoln","startTime":4197.159,"endTime":4200.189,"body":"this and I'd want and I wouldn't"},{"speaker":"Nick Lincoln","startTime":4200.189,"endTime":4203.249,"body":"want to go on about the bloody"},{"speaker":"Nick Lincoln","startTime":4200.189,"endTime":4203.249,"body":"washing machine, Nick, is that,"},{"speaker":"Nick Lincoln","startTime":4203.2789999999995,"endTime":4205.589,"body":"you know, it's a time of"},{"speaker":"Nick Lincoln","startTime":4203.2789999999995,"endTime":4205.589,"body":"terrible loss, you know, and"},{"speaker":"Nick Lincoln","startTime":4205.589,"endTime":4208.799,"body":"then all of a sudden, the person"},{"speaker":"Nick Lincoln","startTime":4205.589,"endTime":4208.799,"body":"who did all that also has to"},{"speaker":"Alan Smith","startTime":4208.8,"endTime":4211.7699999999995,"body":"organize the party,"},{"speaker":"Alan Smith","startTime":4208.8,"endTime":4211.7699999999995,"body":"just just just"},{"speaker":"Unknown","startTime":4213.059,"endTime":4214.589,"body":"just evaluate,"},{"speaker":"Unknown","startTime":4214.71,"endTime":4217.38,"body":"we just can't work the"},{"speaker":"Unknown","startTime":4214.71,"endTime":4217.38,"body":"thermostat, if there was only a"},{"speaker":"Unknown","startTime":4217.38,"endTime":4219.15,"body":"link to a manual"},{"speaker":"Alan Smith","startTime":4220.769,"endTime":4223.079,"body":"on a Google doc"},{"speaker":"Alan Smith","startTime":4220.769,"endTime":4223.079,"body":"folder, which is in a dropbox"},{"speaker":"Alan Smith","startTime":4223.079,"endTime":4225.479,"body":"folder, which is possible to"},{"speaker":"Alan Smith","startTime":4223.079,"endTime":4225.479,"body":"control that no one's got access"},{"speaker":"Alan Smith","startTime":4225.479,"endTime":4225.749,"body":"to"},{"speaker":"Nick Lincoln","startTime":4229.41,"endTime":4230.8499999999995,"body":"around the house"},{"speaker":"Nick Lincoln","startTime":4229.41,"endTime":4230.8499999999995,"body":"and your wife doesn't even know"},{"speaker":"Nick Lincoln","startTime":4230.8499999999995,"endTime":4235.14,"body":"where it is. I'm gonna log into"},{"speaker":"Nick Lincoln","startTime":4230.8499999999995,"endTime":4235.14,"body":"your money account,"},{"speaker":"Carl Widger","startTime":4235.38,"endTime":4237.99,"body":"who's gotten your"},{"speaker":"Carl Widger","startTime":4235.38,"endTime":4237.99,"body":"who's gotten your 10% Share and"},{"speaker":"Carl Widger","startTime":4237.99,"endTime":4238.71,"body":"trapped by the way"},{"speaker":"Unknown","startTime":4241.29,"endTime":4243.87,"body":"that was five, seven"},{"speaker":"Unknown","startTime":4241.29,"endTime":4243.87,"body":"and a half."},{"speaker":"Nick Lincoln","startTime":4245.7,"endTime":4248.61,"body":"One just just as I"},{"speaker":"Nick Lincoln","startTime":4245.7,"endTime":4248.61,"body":"put this document together, I"},{"speaker":"Nick Lincoln","startTime":4248.61,"endTime":4250.83,"body":"said to Penny Oh, this by the"},{"speaker":"Nick Lincoln","startTime":4248.61,"endTime":4250.83,"body":"Coventry building society, I'm"},{"speaker":"Nick Lincoln","startTime":4250.83,"endTime":4253.2,"body":"mortgage with them. This is the"},{"speaker":"Nick Lincoln","startTime":4250.83,"endTime":4253.2,"body":"password blah, blah, blah, blah."},{"speaker":"Nick Lincoln","startTime":4253.53,"endTime":4255.48,"body":"And then when you log in,"},{"speaker":"Nick Lincoln","startTime":4253.53,"endTime":4255.48,"body":"they'll they'll they'll call my"},{"speaker":"Nick Lincoln","startTime":4255.48,"endTime":4260.4,"body":"phone with a code. Access your"},{"speaker":"Nick Lincoln","startTime":4255.48,"endTime":4260.4,"body":"phone. So this is how two factor"},{"speaker":"Nick Lincoln","startTime":4260.4,"endTime":4266.13,"body":"authentication stuff is. It's"},{"speaker":"Nick Lincoln","startTime":4260.4,"endTime":4266.13,"body":"just me Dad, I don't think I"},{"speaker":"Nick Lincoln","startTime":4266.13,"endTime":4268.44,"body":"don't know. I just think I think"},{"speaker":"Nick Lincoln","startTime":4266.13,"endTime":4268.44,"body":"you've got a responsibility to"},{"speaker":"Nick Lincoln","startTime":4268.44,"endTime":4270.84,"body":"those you leave behind to just"},{"speaker":"Nick Lincoln","startTime":4268.44,"endTime":4270.84,"body":"make it a little less arduous."},{"speaker":"Nick Lincoln","startTime":4271.11,"endTime":4272.49,"body":"And that's why if"},{"speaker":"Alan Smith","startTime":4272.49,"endTime":4274.86,"body":"anyone is listening"},{"speaker":"Alan Smith","startTime":4272.49,"endTime":4274.86,"body":"to this, who's as you say, Andy,"},{"speaker":"Alan Smith","startTime":4274.86,"endTime":4277.26,"body":"there are a few I've got a few"},{"speaker":"Alan Smith","startTime":4274.86,"endTime":4277.26,"body":"drafts kicking around never"},{"speaker":"Alan Smith","startTime":4277.26,"endTime":4279.72,"body":"quite nailed the final thing to"},{"speaker":"Alan Smith","startTime":4277.26,"endTime":4279.72,"body":"share with clients. If it was"},{"speaker":"Alan Smith","startTime":4279.72,"endTime":4282.3,"body":"listening to this I've got one"},{"speaker":"Alan Smith","startTime":4279.72,"endTime":4282.3,"body":"share it share it online on"},{"speaker":"Alan Smith","startTime":4282.3,"endTime":4284.82,"body":"Twitter or LinkedIn profile or"},{"speaker":"Alan Smith","startTime":4282.3,"endTime":4284.82,"body":"something or"},{"speaker":"Andy Hart","startTime":4284.94,"endTime":4288.18,"body":"email one of us email"},{"speaker":"Andy Hart","startTime":4284.94,"endTime":4288.18,"body":"or contact one of us if you"},{"speaker":"Andy Hart","startTime":4288.18,"endTime":4290.94,"body":"think you've got the template"},{"speaker":"Andy Hart","startTime":4288.18,"endTime":4290.94,"body":"and maybe we can do that as a"},{"speaker":"Andy Hart","startTime":4290.94,"endTime":4293.46,"body":"giveaway of future show or"},{"speaker":"Andy Hart","startTime":4290.94,"endTime":4293.46,"body":"something if our chairman"},{"speaker":"Andy Hart","startTime":4294.0599999999995,"endTime":4294.8099999999995,"body":"allows."},{"speaker":"Nick Lincoln","startTime":4296.43,"endTime":4301.5,"body":"Is this upon."},{"speaker":"Nick Lincoln","startTime":4296.43,"endTime":4301.5,"body":"Okay, listen, good 7070 minutes"},{"speaker":"Nick Lincoln","startTime":4301.5,"endTime":4304.71,"body":"in to the into the show. So I"},{"speaker":"Nick Lincoln","startTime":4301.5,"endTime":4304.71,"body":"think we should probably move on"},{"speaker":"Nick Lincoln","startTime":4304.71,"endTime":4309.18,"body":"to the TRAPPIST question, if"},{"speaker":"Nick Lincoln","startTime":4304.71,"endTime":4309.18,"body":"only for the reason that there"},{"speaker":"Nick Lincoln","startTime":4309.18,"endTime":4312.21,"body":"she is at the front door with a"},{"speaker":"Nick Lincoln","startTime":4309.18,"endTime":4312.21,"body":"bulging sack of trapeze"},{"speaker":"Nick Lincoln","startTime":4312.21,"endTime":4314.67,"body":"questions as ever on X Twitter,"},{"speaker":"Nick Lincoln","startTime":4312.21,"endTime":4314.67,"body":"whatever you want to call it,"},{"speaker":"Nick Lincoln","startTime":4314.67,"endTime":4316.71,"body":"the pin tweet, there's a link"},{"speaker":"Nick Lincoln","startTime":4314.67,"endTime":4316.71,"body":"there you click on that you"},{"speaker":"Nick Lincoln","startTime":4316.71,"endTime":4318.96,"body":"submit your question and then"},{"speaker":"Nick Lincoln","startTime":4316.71,"endTime":4318.96,"body":"months and months later, we may"},{"speaker":"Nick Lincoln","startTime":4318.96,"endTime":4322.26,"body":"get around to answering it as we"},{"speaker":"Nick Lincoln","startTime":4318.96,"endTime":4322.26,"body":"go through them. And I think"},{"speaker":"Nick Lincoln","startTime":4322.26,"endTime":4324.84,"body":"we'll just do one question today"},{"speaker":"Nick Lincoln","startTime":4322.26,"endTime":4324.84,"body":"if that's okay, guys, just from"},{"speaker":"Nick Lincoln","startTime":4324.84,"endTime":4328.3499999999995,"body":"a timing point of view kind of"},{"speaker":"Nick Lincoln","startTime":4324.84,"endTime":4328.3499999999995,"body":"makes sense, I think to do that"},{"speaker":"Nick Lincoln","startTime":4328.3499999999995,"endTime":4331.53,"body":"and let's have a look and see"},{"speaker":"Nick Lincoln","startTime":4328.3499999999995,"endTime":4331.53,"body":"who this dispersed trapeze"},{"speaker":"Nick Lincoln","startTime":4331.53,"endTime":4337.44,"body":"question is from Richard Polson,"},{"speaker":"Nick Lincoln","startTime":4331.53,"endTime":4337.44,"body":"who is on Twitter as Gregor"},{"speaker":"Nick Lincoln","startTime":4337.44,"endTime":4340.3499999999995,"body":"Polson nine threes also on"},{"speaker":"Nick Lincoln","startTime":4337.44,"endTime":4340.3499999999995,"body":"LinkedIn, chaps love your"},{"speaker":"Nick Lincoln","startTime":4340.3499999999995,"endTime":4343.5599999999995,"body":"podcast smashing content and"},{"speaker":"Nick Lincoln","startTime":4340.3499999999995,"endTime":4343.5599999999995,"body":"stupendous bands who have been"},{"speaker":"Nick Lincoln","startTime":4343.5599999999995,"endTime":4345.75,"body":"advising for just under two"},{"speaker":"Nick Lincoln","startTime":4343.5599999999995,"endTime":4345.75,"body":"years, I'm really trying to"},{"speaker":"Nick Lincoln","startTime":4345.75,"endTime":4347.7,"body":"embrace the goals based"},{"speaker":"Nick Lincoln","startTime":4345.75,"endTime":4347.7,"body":"financial planning that you guys"},{"speaker":"Nick Lincoln","startTime":4347.7,"endTime":4350.94,"body":"speak of. And I'm trying to"},{"speaker":"Nick Lincoln","startTime":4347.7,"endTime":4350.94,"body":"steal and emulate as many ideas"},{"speaker":"Nick Lincoln","startTime":4350.94,"endTime":4353.73,"body":"as possible. Yeah, you crack on"},{"speaker":"Nick Lincoln","startTime":4350.94,"endTime":4353.73,"body":"and do that which, looking back"},{"speaker":"Nick Lincoln","startTime":4353.73,"endTime":4356.8499999999995,"body":"at your career, though? What was"},{"speaker":"Nick Lincoln","startTime":4353.73,"endTime":4356.8499999999995,"body":"the moment where you feel that"},{"speaker":"Nick Lincoln","startTime":4356.8499999999995,"endTime":4361.44,"body":"it all clicked in for you, guys,"},{"speaker":"Nick Lincoln","startTime":4356.8499999999995,"endTime":4361.44,"body":"and what book is most inspired"},{"speaker":"Nick Lincoln","startTime":4361.44,"endTime":4364.17,"body":"you in your line of work? Keep"},{"speaker":"Nick Lincoln","startTime":4361.44,"endTime":4364.17,"body":"up the good work or the podcast,"},{"speaker":"Nick Lincoln","startTime":4365.67,"endTime":4368.49,"body":"Richard Polson from de Mello and"},{"speaker":"Nick Lincoln","startTime":4365.67,"endTime":4368.49,"body":"company wealth management. So,"},{"speaker":"Nick Lincoln","startTime":4368.67,"endTime":4371.43,"body":"when was the moment when was"},{"speaker":"Nick Lincoln","startTime":4368.67,"endTime":4371.43,"body":"that eureka moment for us? And"},{"speaker":"Nick Lincoln","startTime":4371.43,"endTime":4373.38,"body":"what was the book that inspired"},{"speaker":"Nick Lincoln","startTime":4371.43,"endTime":4373.38,"body":"you first, Andy?"},{"speaker":"Andy Hart","startTime":4374.5199999999995,"endTime":4377.34,"body":"I know his boss,"},{"speaker":"Andy Hart","startTime":4374.5199999999995,"endTime":4377.34,"body":"Chris. He's a superfan of trap."},{"speaker":"Andy Hart","startTime":4377.34,"endTime":4381.8099999999995,"body":"So um, hello. I don't think it"},{"speaker":"Andy Hart","startTime":4377.34,"endTime":4381.8099999999995,"body":"was any one thing I think Alan"},{"speaker":"Andy Hart","startTime":4381.8099999999995,"endTime":4384.8099999999995,"body":"alluded to earlier, you know,"},{"speaker":"Andy Hart","startTime":4381.8099999999995,"endTime":4384.8099999999995,"body":"constantly seeking excellence,"},{"speaker":"Andy Hart","startTime":4384.8099999999995,"endTime":4387.45,"body":"you're constantly trying to"},{"speaker":"Andy Hart","startTime":4384.8099999999995,"endTime":4387.45,"body":"learn things all the time. The"},{"speaker":"Andy Hart","startTime":4387.45,"endTime":4392.49,"body":"one book, I'd say had a biggest"},{"speaker":"Andy Hart","startTime":4387.45,"endTime":4392.49,"body":"sort of kick for me, was the War"},{"speaker":"Andy Hart","startTime":4392.49,"endTime":4396.9,"body":"of Art by Steven Pressfield. It"},{"speaker":"Andy Hart","startTime":4392.49,"endTime":4396.9,"body":"just by basically gave me"},{"speaker":"Andy Hart","startTime":4396.9,"endTime":4401.61,"body":"permission to, you know, deliver"},{"speaker":"Andy Hart","startTime":4396.9,"endTime":4401.61,"body":"and do things and don't fight"},{"speaker":"Andy Hart","startTime":4401.8499999999995,"endTime":4404.94,"body":"the resistance that's constantly"},{"speaker":"Andy Hart","startTime":4401.8499999999995,"endTime":4404.94,"body":"in your brain about delivering"},{"speaker":"Andy Hart","startTime":4404.94,"endTime":4409.5,"body":"and becoming so Yeah, nothing"},{"speaker":"Andy Hart","startTime":4404.94,"endTime":4409.5,"body":"specific. Obviously, we"},{"speaker":"Andy Hart","startTime":4409.5,"endTime":4412.98,"body":"mentioned a couple of things"},{"speaker":"Andy Hart","startTime":4409.5,"endTime":4412.98,"body":"previously, like dimensional"},{"speaker":"Andy Hart","startTime":4412.98,"endTime":4416.94,"body":"life plan in voyant. But again,"},{"speaker":"Andy Hart","startTime":4412.98,"endTime":4416.94,"body":"so many moving parts to it. I"},{"speaker":"Andy Hart","startTime":4416.94,"endTime":4419.79,"body":"couldn't identify anything"},{"speaker":"Andy Hart","startTime":4416.94,"endTime":4419.79,"body":"individually. Anyone else?"},{"speaker":"Alan Smith","startTime":4420.42,"endTime":4425.55,"body":"Yeah, I've saw the"},{"speaker":"Alan Smith","startTime":4420.42,"endTime":4425.55,"body":"question. Given some thought,"},{"speaker":"Alan Smith","startTime":4425.55,"endTime":4428.7,"body":"and I agree with you, there is"},{"speaker":"Alan Smith","startTime":4425.55,"endTime":4428.7,"body":"no one single light bulb moment,"},{"speaker":"Alan Smith","startTime":4428.7,"endTime":4432.18,"body":"there's a series of light bulb"},{"speaker":"Alan Smith","startTime":4428.7,"endTime":4432.18,"body":"moments. And I'll summarize"},{"speaker":"Alan Smith","startTime":4432.21,"endTime":4434.58,"body":"three of them because they apply"},{"speaker":"Alan Smith","startTime":4432.21,"endTime":4434.58,"body":"across three different aspects"},{"speaker":"Alan Smith","startTime":4434.58,"endTime":4438.48,"body":"of what I consider to be core"},{"speaker":"Alan Smith","startTime":4434.58,"endTime":4438.48,"body":"financial planning. One was and"},{"speaker":"Alan Smith","startTime":4438.48,"endTime":4441.69,"body":"we have talked about him and our"},{"speaker":"Alan Smith","startTime":4438.48,"endTime":4441.69,"body":"experiences on this podcast"},{"speaker":"Alan Smith","startTime":4441.69,"endTime":4446.79,"body":"before was when I went and saw"},{"speaker":"Alan Smith","startTime":4441.69,"endTime":4446.79,"body":"Paul onsen. When I saw him talk"},{"speaker":"Alan Smith","startTime":4446.79,"endTime":4449.58,"body":"about effectively cashflow"},{"speaker":"Alan Smith","startTime":4446.79,"endTime":4449.58,"body":"modeling was, you know, it was a"},{"speaker":"Alan Smith","startTime":4449.58,"endTime":4452.76,"body":"new and unheard of thing. The"},{"speaker":"Alan Smith","startTime":4449.58,"endTime":4452.76,"body":"tools we use nowadays don't"},{"speaker":"Alan Smith","startTime":4452.76,"endTime":4455.94,"body":"matter. 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And then"},{"speaker":"Alan Smith","startTime":4469.5599999999995,"endTime":4473.16,"body":"further down the line, I started"},{"speaker":"Alan Smith","startTime":4469.5599999999995,"endTime":4473.16,"body":"thinking about the investment"},{"speaker":"Alan Smith","startTime":4473.16,"endTime":4476.43,"body":"process, once you built the"},{"speaker":"Alan Smith","startTime":4473.16,"endTime":4476.43,"body":"plan, you need to fuel the plan"},{"speaker":"Alan Smith","startTime":4476.43,"endTime":4480.36,"body":"with something and I wasn't"},{"speaker":"Alan Smith","startTime":4476.43,"endTime":4480.36,"body":"really satisfied with what we"},{"speaker":"Alan Smith","startTime":4480.36,"endTime":4483.18,"body":"were doing at the time. 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And if you"},{"speaker":"Alan Smith","startTime":4491.97,"endTime":4493.95,"body":"don't know them should check"},{"speaker":"Alan Smith","startTime":4491.97,"endTime":4493.95,"body":"them out, check their website."},{"speaker":"Alan Smith","startTime":4494.4,"endTime":4498.48,"body":"And Tim provides effectively"},{"speaker":"Alan Smith","startTime":4494.4,"endTime":4498.48,"body":"investment counsel to"},{"speaker":"Alan Smith","startTime":4498.48,"endTime":4501.45,"body":"independent advice businesses"},{"speaker":"Alan Smith","startTime":4498.48,"endTime":4501.45,"body":"and helps you build your models"},{"speaker":"Alan Smith","startTime":4501.45,"endTime":4504.15,"body":"from scratch your investment"},{"speaker":"Alan Smith","startTime":4501.45,"endTime":4504.15,"body":"philosophy. And so I spent a lot"},{"speaker":"Alan Smith","startTime":4504.15,"endTime":4508.5,"body":"of time me and my team with Tim,"},{"speaker":"Alan Smith","startTime":4504.15,"endTime":4508.5,"body":"that was another series of"},{"speaker":"Alan Smith","startTime":4508.5,"endTime":4510.99,"body":"lightbulb moments when I began"},{"speaker":"Alan Smith","startTime":4508.5,"endTime":4510.99,"body":"to understand how capital"},{"speaker":"Alan Smith","startTime":4510.99,"endTime":4513.84,"body":"markets truly work, and that"},{"speaker":"Alan Smith","startTime":4510.99,"endTime":4513.84,"body":"we're wasting our time if we're"},{"speaker":"Alan Smith","startTime":4513.84,"endTime":4518.22,"body":"trying to find the new staff"},{"speaker":"Alan Smith","startTime":4513.84,"endTime":4518.22,"body":"fund manager. And that was an"},{"speaker":"Alan Smith","startTime":4518.22,"endTime":4520.41,"body":"important point. 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But the last part"},{"speaker":"Alan Smith","startTime":4520.41,"endTime":4523.95,"body":"when I begin to understand once"},{"speaker":"Alan Smith","startTime":4523.95,"endTime":4526.5599999999995,"body":"I've got the plan, and once I've"},{"speaker":"Alan Smith","startTime":4523.95,"endTime":4526.5599999999995,"body":"got how to fuel the plan, I'd"},{"speaker":"Alan Smith","startTime":4526.5599999999995,"endTime":4530.28,"body":"realize the importance of"},{"speaker":"Alan Smith","startTime":4526.5599999999995,"endTime":4530.28,"body":"behavioral investment"},{"speaker":"Alan Smith","startTime":4530.28,"endTime":4533.61,"body":"counseling, and of course it was"},{"speaker":"Alan Smith","startTime":4530.28,"endTime":4533.61,"body":"finding a gentleman called Nick"},{"speaker":"Alan Smith","startTime":4533.61,"endTime":4538.95,"body":"Murray, his newsletter, and if"},{"speaker":"Alan Smith","startTime":4533.61,"endTime":4538.95,"body":"you want to a book, or in fact"},{"speaker":"Alan Smith","startTime":4538.95,"endTime":4541.44,"body":"you could it's hard to choose"},{"speaker":"Alan Smith","startTime":4538.95,"endTime":4541.44,"body":"one choose around the year"},{"speaker":"Alan Smith","startTime":4541.44,"endTime":4543.99,"body":"because if you want because it's"},{"speaker":"Alan Smith","startTime":4541.44,"endTime":4543.99,"body":"got all the the sort of snippets"},{"speaker":"Alan Smith","startTime":4543.99,"endTime":4545.97,"body":"from Nick Murray, but start"},{"speaker":"Alan Smith","startTime":4543.99,"endTime":4545.97,"body":"reading we talked about this"},{"speaker":"Alan Smith","startTime":4545.97,"endTime":4548.94,"body":"many times in the past. 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That was a multiple"},{"speaker":"Alan Smith","startTime":4552.87,"endTime":4556.17,"body":"series of light bulb moments"},{"speaker":"Alan Smith","startTime":4556.41,"endTime":4558.96,"body":"that happened to me over"},{"speaker":"Alan Smith","startTime":4556.41,"endTime":4558.96,"body":"probably the course of five, six"},{"speaker":"Alan Smith","startTime":4558.96,"endTime":4562.92,"body":"years. And that's actually"},{"speaker":"Alan Smith","startTime":4558.96,"endTime":4562.92,"body":"there's not much more to learn"},{"speaker":"Alan Smith","startTime":4562.92,"endTime":4565.44,"body":"after that. It's more you can"},{"speaker":"Alan Smith","startTime":4562.92,"endTime":4565.44,"body":"rinse and repeat and keep"},{"speaker":"Alan Smith","startTime":4565.47,"endTime":4568.8,"body":"understanding and define and"},{"speaker":"Alan Smith","startTime":4565.47,"endTime":4568.8,"body":"refining it. But there are no"},{"speaker":"Alan Smith","startTime":4568.8,"endTime":4571.53,"body":"huge differences. It's not going"},{"speaker":"Alan Smith","startTime":4568.8,"endTime":4571.53,"body":"to be you know, crypto is not"},{"speaker":"Alan Smith","startTime":4571.53,"endTime":4573.84,"body":"the new best or better one or"},{"speaker":"Alan Smith","startTime":4571.53,"endTime":4573.84,"body":"there's not a new better way to"},{"speaker":"Alan Smith","startTime":4573.84,"endTime":4577.62,"body":"do planning that might New"},{"speaker":"Alan Smith","startTime":4573.84,"endTime":4577.62,"body":"technology, but the actual"},{"speaker":"Alan Smith","startTime":4577.62,"endTime":4579.87,"body":"concept doesn't change. 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We'll call it"},{"speaker":"Alan Smith","startTime":4602.82,"endTime":4605.73,"body":"Partnership, which is the truly"},{"speaker":"Alan Smith","startTime":4605.73,"endTime":4608.76,"body":"important thing, and it's"},{"speaker":"Alan Smith","startTime":4605.73,"endTime":4608.76,"body":"trademarked, so don't try to"},{"speaker":"Alan Smith","startTime":4608.76,"endTime":4610.29,"body":"steal it. Let"},{"speaker":"Carl Widger","startTime":4610.29,"endTime":4612.3,"body":"me know if you'd"},{"speaker":"Carl Widger","startTime":4610.29,"endTime":4612.3,"body":"like to contribute German."},{"speaker":"Nick Lincoln","startTime":4615.12,"endTime":4618.75,"body":"Okey dokey. Carl,"},{"speaker":"Nick Lincoln","startTime":4615.12,"endTime":4618.75,"body":"did you have a an epiphany"},{"speaker":"Nick Lincoln","startTime":4618.75,"endTime":4620.19,"body":"moment? I"},{"speaker":"Carl Widger","startTime":4620.22,"endTime":4624.18,"body":"just, I read the"},{"speaker":"Carl Widger","startTime":4620.22,"endTime":4624.18,"body":"question I talked about two"},{"speaker":"Carl Widger","startTime":4624.18,"endTime":4627.33,"body":"books that I read, that were"},{"speaker":"Carl Widger","startTime":4624.18,"endTime":4627.33,"body":"transformational, had nothing to"},{"speaker":"Carl Widger","startTime":4627.33,"endTime":4630.57,"body":"do with financial planning,"},{"speaker":"Carl Widger","startTime":4627.33,"endTime":4630.57,"body":"atomic habits, which I probably"},{"speaker":"Carl Widger","startTime":4630.57,"endTime":4634.2,"body":"mentioned, as much as you boys"},{"speaker":"Carl Widger","startTime":4630.57,"endTime":4634.2,"body":"mentioned, Nick Murray. That"},{"speaker":"Carl Widger","startTime":4634.2,"endTime":4640.62,"body":"book by James clear. And also"},{"speaker":"Carl Widger","startTime":4634.2,"endTime":4640.62,"body":"when I was setting up my firm, I"},{"speaker":"Carl Widger","startTime":4640.62,"endTime":4645.63,"body":"read the book called The real"},{"speaker":"Carl Widger","startTime":4640.62,"endTime":4645.63,"body":"deal by James Ken, who was the"},{"speaker":"Carl Widger","startTime":4645.63,"endTime":4648.93,"body":"Dragon's Den guy who was into"},{"speaker":"Carl Widger","startTime":4645.63,"endTime":4648.93,"body":"recruitment and that kind of"},{"speaker":"Carl Widger","startTime":4648.93,"endTime":4652.74,"body":"stuff. And in terms of building"},{"speaker":"Carl Widger","startTime":4648.93,"endTime":4652.74,"body":"a business from the ground up,"},{"speaker":"Carl Widger","startTime":4652.74,"endTime":4655.65,"body":"and then kind of how to scale"},{"speaker":"Carl Widger","startTime":4652.74,"endTime":4655.65,"body":"and you know, blah, blah, blah,"},{"speaker":"Carl Widger","startTime":4655.65,"endTime":4657.57,"body":"I thought it was really good. So"},{"speaker":"Carl Widger","startTime":4655.65,"endTime":4657.57,"body":"there are two books I would"},{"speaker":"Carl Widger","startTime":4657.57,"endTime":4663.2699999999995,"body":"recommend. My, my kind of Eureka"},{"speaker":"Carl Widger","startTime":4657.57,"endTime":4663.2699999999995,"body":"moment was, Stephen Brown was a"},{"speaker":"Carl Widger","startTime":4663.2699999999995,"endTime":4669.15,"body":"part of mine. And Steven was,"},{"speaker":"Carl Widger","startTime":4663.2699999999995,"endTime":4669.15,"body":"had found his volume software,"},{"speaker":"Carl Widger","startTime":4669.18,"endTime":4673.2,"body":"and he came down to my office, I"},{"speaker":"Carl Widger","startTime":4669.18,"endTime":4673.2,"body":"think this was 2012. And he"},{"speaker":"Carl Widger","startTime":4673.2,"endTime":4675.93,"body":"showed me this software, and I"},{"speaker":"Carl Widger","startTime":4673.2,"endTime":4675.93,"body":"went, Holy God, that's"},{"speaker":"Carl Widger","startTime":4675.93,"endTime":4678.69,"body":"unbelievable. There's nothing"},{"speaker":"Carl Widger","startTime":4675.93,"endTime":4678.69,"body":"like this. But bear in mind,"},{"speaker":"Carl Widger","startTime":4678.69,"endTime":4681.2699999999995,"body":"like literally everybody in"},{"speaker":"Carl Widger","startTime":4678.69,"endTime":4681.2699999999995,"body":"Ireland were product sellers at"},{"speaker":"Carl Widger","startTime":4681.2699999999995,"endTime":4683.91,"body":"that stage. And Stephen said,"},{"speaker":"Carl Widger","startTime":4681.2699999999995,"endTime":4683.91,"body":"I'm going to bring this to"},{"speaker":"Carl Widger","startTime":4683.91,"endTime":4689.0999999999995,"body":"Ireland, and I'm gonna sell it."},{"speaker":"Carl Widger","startTime":4683.91,"endTime":4689.0999999999995,"body":"And then also, they'll also see"},{"speaker":"Carl Widger","startTime":4689.0999999999995,"endTime":4691.98,"body":"that I was deeply uncomfortable"},{"speaker":"Carl Widger","startTime":4689.0999999999995,"endTime":4691.98,"body":"with the content of some who"},{"speaker":"Carl Widger","startTime":4691.98,"endTime":4698.22,"body":"today's always to the Irish"},{"speaker":"Carl Widger","startTime":4691.98,"endTime":4698.22,"body":"versus UK cultural differences."},{"speaker":"Carl Widger","startTime":4708.21,"endTime":4712.2,"body":"Anyway, browner said he was"},{"speaker":"Carl Widger","startTime":4708.21,"endTime":4712.2,"body":"going to bring this software to"},{"speaker":"Carl Widger","startTime":4712.23,"endTime":4717.36,"body":"Ireland, and I thought, it looks"},{"speaker":"Carl Widger","startTime":4712.23,"endTime":4717.36,"body":"fantastic. But there's no chance"},{"speaker":"Carl Widger","startTime":4717.36,"endTime":4720.87,"body":"that this will work. Anyway,"},{"speaker":"Carl Widger","startTime":4717.36,"endTime":4720.87,"body":"Brown was VP of volumes, the"},{"speaker":"Carl Widger","startTime":4720.87,"endTime":4723.93,"body":"world I think this stage right?"},{"speaker":"Carl Widger","startTime":4720.87,"endTime":4723.93,"body":"He's gone on to be a huge"},{"speaker":"Carl Widger","startTime":4723.93,"endTime":4726.72,"body":"success. So well done to him."},{"speaker":"Carl Widger","startTime":4723.93,"endTime":4726.72,"body":"What it was."},{"speaker":"Unknown","startTime":4728.13,"endTime":4731.0999999999995,"body":"Yeah, I was gonna say"},{"speaker":"Unknown","startTime":4728.13,"endTime":4731.0999999999995,"body":"he loved that venture. They'd"},{"speaker":"Unknown","startTime":4731.0999999999995,"endTime":4733.23,"body":"love that little bit. He's a"},{"speaker":"Carl Widger","startTime":4733.23,"endTime":4736.23,"body":"great guy. He's an"},{"speaker":"Carl Widger","startTime":4733.23,"endTime":4736.23,"body":"absolutely great guy. But it was"},{"speaker":"Carl Widger","startTime":4736.23,"endTime":4739.53,"body":"after that meeting, he told me"},{"speaker":"Carl Widger","startTime":4736.23,"endTime":4739.53,"body":"this is standard stuff, Carlin"},{"speaker":"Carl Widger","startTime":4739.8,"endTime":4744.45,"body":"in America and, you know, just"},{"speaker":"Carl Widger","startTime":4739.8,"endTime":4744.45,"body":"beginning to become big in the"},{"speaker":"Carl Widger","startTime":4744.45,"endTime":4748.5599999999995,"body":"UK. And it was at that moment, I"},{"speaker":"Carl Widger","startTime":4744.45,"endTime":4748.5599999999995,"body":"started to to do a lot of"},{"speaker":"Carl Widger","startTime":4748.5599999999995,"endTime":4751.5,"body":"research. So that was really the"},{"speaker":"Carl Widger","startTime":4748.5599999999995,"endTime":4751.5,"body":"moment for me. So thank you,"},{"speaker":"Carl Widger","startTime":4751.5,"endTime":4752.3099999999995,"body":"Stephen Brown."},{"speaker":"Alan Smith","startTime":4753.18,"endTime":4756.36,"body":"Is it worth briefly"},{"speaker":"Alan Smith","startTime":4753.18,"endTime":4756.36,"body":"mentioning since she did that"},{"speaker":"Alan Smith","startTime":4756.42,"endTime":4761.76,"body":"drop the Irish drop just there,"},{"speaker":"Alan Smith","startTime":4756.42,"endTime":4761.76,"body":"Nick about the new world record?"},{"speaker":"Alan Smith","startTime":4762.24,"endTime":4765.45,"body":"Or beer consumption? What is it"},{"speaker":"Alan Smith","startTime":4762.24,"endTime":4765.45,"body":"you posted call or you shared"},{"speaker":"Alan Smith","startTime":4765.45,"endTime":4766.11,"body":"with us"},{"speaker":"Carl Widger","startTime":4770.28,"endTime":4772.26,"body":"the Ireland's"},{"speaker":"Carl Widger","startTime":4770.28,"endTime":4772.26,"body":"gotten a budget the Rugby World"},{"speaker":"Carl Widger","startTime":4772.26,"endTime":4778.14,"body":"Cup, which we are all that."},{"speaker":"Carl Widger","startTime":4772.26,"endTime":4778.14,"body":"Yeah, there was 137,000 lines"},{"speaker":"Carl Widger","startTime":4778.98,"endTime":4783.21,"body":"served for that much. Which beat"},{"speaker":"Carl Widger","startTime":4778.98,"endTime":4783.21,"body":"the previous record by something"},{"speaker":"Carl Widger","startTime":4783.21,"endTime":4787.83,"body":"like 50,000. But my point was, I"},{"speaker":"Carl Widger","startTime":4783.21,"endTime":4787.83,"body":"only remembered the one that I"},{"speaker":"Carl Widger","startTime":4787.83,"endTime":4791.04,"body":"delicately tucked under my seat"},{"speaker":"Carl Widger","startTime":4787.83,"endTime":4791.04,"body":"to watch during the first half"},{"speaker":"Carl Widger","startTime":4791.04,"endTime":4795.12,"body":"and Andrew Hart kicked over into"},{"speaker":"Carl Widger","startTime":4791.04,"endTime":4795.12,"body":"my shoe. I didn't mind that he"},{"speaker":"Carl Widger","startTime":4795.12,"endTime":4799.14,"body":"kicked it into my shoe I minded"},{"speaker":"Carl Widger","startTime":4795.12,"endTime":4799.14,"body":"that He spilt it. He of course"},{"speaker":"Carl Widger","startTime":4799.14,"endTime":4800.64,"body":"does have a lot of excuses."},{"speaker":"Andy Hart","startTime":4802.32,"endTime":4804.24,"body":"Anyway, to be fair,"},{"speaker":"Andy Hart","startTime":4802.32,"endTime":4804.24,"body":"it wasn't my fault was that"},{"speaker":"Andy Hart","startTime":4804.24,"endTime":4806.97,"body":"idiot behind me with his jacket."},{"speaker":"Andy Hart","startTime":4804.24,"endTime":4806.97,"body":"But you know, we did the right"},{"speaker":"Andy Hart","startTime":4806.97,"endTime":4810.93,"body":"thing. We all tipped up points"},{"speaker":"Andy Hart","startTime":4806.97,"endTime":4810.93,"body":"accordingly. So we have the same"},{"speaker":"Andy Hart","startTime":4810.93,"endTime":4811.2,"body":"amount."},{"speaker":"Unknown","startTime":4812.58,"endTime":4815.28,"body":"We shared the spoils."},{"speaker":"Unknown","startTime":4812.58,"endTime":4815.28,"body":"You took"},{"speaker":"Carl Widger","startTime":4815.3099999999995,"endTime":4817.41,"body":"some of Ireland"},{"speaker":"Carl Widger","startTime":4815.3099999999995,"endTime":4817.41,"body":"ours on the next point and"},{"speaker":"Carl Widger","startTime":4817.41,"endTime":4821.22,"body":"poured it into mine for then"},{"speaker":"Carl Widger","startTime":4817.41,"endTime":4821.22,"body":"some of your own and Scotland"},{"speaker":"Carl Widger","startTime":4821.22,"endTime":4827.67,"body":"were 14 nil down at the time."},{"speaker":"Carl Widger","startTime":4821.22,"endTime":4827.67,"body":"challenge because of a mood. He"},{"speaker":"Carl Widger","startTime":4827.67,"endTime":4827.79,"body":"was"},{"speaker":"Alan Smith","startTime":4827.79,"endTime":4830.25,"body":"on the board. I"},{"speaker":"Alan Smith","startTime":4827.79,"endTime":4830.25,"body":"wasn't talking to anyone at the"},{"speaker":"Nick Lincoln","startTime":4830.25,"endTime":4832.23,"body":"time. He was on"},{"speaker":"Nick Lincoln","startTime":4830.25,"endTime":4832.23,"body":"the board. Okay. Very good."},{"speaker":"Nick Lincoln","startTime":4832.29,"endTime":4835.47,"body":"Right, Mike? Thank you for"},{"speaker":"Nick Lincoln","startTime":4832.29,"endTime":4835.47,"body":"asking what my epiphany moment"},{"speaker":"Nick Lincoln","startTime":4835.47,"endTime":4838.62,"body":"was chaps on our way through and"},{"speaker":"Nick Lincoln","startTime":4835.47,"endTime":4838.62,"body":"others mentioned it it was I do"},{"speaker":"Nick Lincoln","startTime":4838.62,"endTime":4841.05,"body":"have a clear eureka moment. And"},{"speaker":"Nick Lincoln","startTime":4838.62,"endTime":4841.05,"body":"it was when I saw Paul Armisen"},{"speaker":"Nick Lincoln","startTime":4842.01,"endTime":4844.71,"body":"talking about the bucket and"},{"speaker":"Nick Lincoln","startTime":4842.01,"endTime":4844.71,"body":"truth software and this was a"},{"speaker":"Nick Lincoln","startTime":4844.71,"endTime":4850.08,"body":"2007 ish, I guess. And I thought"},{"speaker":"Nick Lincoln","startTime":4844.71,"endTime":4850.08,"body":"bloody hell this is this is this"},{"speaker":"Nick Lincoln","startTime":4850.08,"endTime":4853.11,"body":"is this is the word. This is the"},{"speaker":"Nick Lincoln","startTime":4850.08,"endTime":4853.11,"body":"this is the word. And it just"},{"speaker":"Nick Lincoln","startTime":4853.11,"endTime":4855.8099999999995,"body":"everything I did after that"},{"speaker":"Nick Lincoln","startTime":4853.11,"endTime":4855.8099999999995,"body":"cascaded off of that books to"},{"speaker":"Nick Lincoln","startTime":4855.8099999999995,"endTime":4857.94,"body":"read. I've mentioned it before"},{"speaker":"Nick Lincoln","startTime":4855.8099999999995,"endTime":4857.94,"body":"and I know you love it as well,"},{"speaker":"Nick Lincoln","startTime":4857.94,"endTime":4861.18,"body":"it is. It's not a finance one."},{"speaker":"Nick Lincoln","startTime":4857.94,"endTime":4861.18,"body":"But I would say just just"},{"speaker":"Nick Lincoln","startTime":4861.18,"endTime":4864.39,"body":"really, really Dale Carnegie's"},{"speaker":"Nick Lincoln","startTime":4861.18,"endTime":4864.39,"body":"book came out in 1936, How to"},{"speaker":"Nick Lincoln","startTime":4864.39,"endTime":4867.15,"body":"Win Friends and Influence"},{"speaker":"Nick Lincoln","startTime":4864.39,"endTime":4867.15,"body":"People. And a more recent kind"},{"speaker":"Nick Lincoln","startTime":4867.15,"endTime":4871.71,"body":"of update on that book is asked"},{"speaker":"Nick Lincoln","startTime":4867.15,"endTime":4871.71,"body":"by Dan Solon, which is really s"},{"speaker":"Nick Lincoln","startTime":4871.71,"endTime":4875.3099999999995,"body":"o li N Dan Solon. Really, really"},{"speaker":"Nick Lincoln","startTime":4871.71,"endTime":4875.3099999999995,"body":"good book just about the power"},{"speaker":"Nick Lincoln","startTime":4875.3099999999995,"endTime":4878.64,"body":"of questions. Since you know and"},{"speaker":"Nick Lincoln","startTime":4875.3099999999995,"endTime":4878.64,"body":"it's become interesting become"},{"speaker":"Nick Lincoln","startTime":4878.64,"endTime":4882.45,"body":"interested if you give people a"},{"speaker":"Nick Lincoln","startTime":4878.64,"endTime":4882.45,"body":"damn good listening to they will"},{"speaker":"Nick Lincoln","startTime":4882.48,"endTime":4885.84,"body":"love you generally we're just"},{"speaker":"Nick Lincoln","startTime":4882.48,"endTime":4885.84,"body":"all itching to talk as as Mr."},{"speaker":"Nick Lincoln","startTime":4885.84,"endTime":4888.15,"body":"Hall with your digit roaster"},{"speaker":"Nick Lincoln","startTime":4885.84,"endTime":4888.15,"body":"yeah"},{"speaker":"Andy Hart","startTime":4888.15,"endTime":4889.92,"body":"final thing in the"},{"speaker":"Andy Hart","startTime":4888.15,"endTime":4889.92,"body":"pool arms and thing Yeah, I went"},{"speaker":"Andy Hart","startTime":4889.92,"endTime":4892.89,"body":"to see his truth presentation I"},{"speaker":"Andy Hart","startTime":4889.92,"endTime":4892.89,"body":"think I paid 59 quid or whatever"},{"speaker":"Andy Hart","startTime":4892.89,"endTime":4897.0,"body":"it was in 2008 in St. Albans. I"},{"speaker":"Andy Hart","startTime":4892.89,"endTime":4897.0,"body":"wasn't impressed. I was just"},{"speaker":"Andy Hart","startTime":4897.0,"endTime":4900.45,"body":"thinking surely everyone's doing"},{"speaker":"Andy Hart","startTime":4897.0,"endTime":4900.45,"body":"this aren't financial advisors,"},{"speaker":"Andy Hart","startTime":4900.99,"endTime":4904.23,"body":"you know, using software to show"},{"speaker":"Andy Hart","startTime":4900.99,"endTime":4904.23,"body":"people what what what's the"},{"speaker":"Andy Hart","startTime":4904.23,"endTime":4907.2,"body":"reason behind their money? Yeah,"},{"speaker":"Andy Hart","startTime":4904.23,"endTime":4907.2,"body":"the whole room was impressed. I"},{"speaker":"Andy Hart","startTime":4907.2,"endTime":4910.68,"body":"was like, really is this the"},{"speaker":"Andy Hart","startTime":4907.2,"endTime":4910.68,"body":"standard we're at? I thought it"},{"speaker":"Andy Hart","startTime":4910.68,"endTime":4911.13,"body":"was a"},{"speaker":"Unknown","startTime":4914.099,"endTime":4919.1089999999995,"body":"and the the Hilter grab"},{"speaker":"Unknown","startTime":4914.099,"endTime":4919.1089999999995,"body":"a Darien. Andy knows about"},{"speaker":"Unknown","startTime":4919.1089999999995,"endTime":4925.559,"body":"everything. Andy can be told"},{"speaker":"Unknown","startTime":4919.1089999999995,"endTime":4925.559,"body":"anything His name is Art."},{"speaker":"Andy Hart","startTime":4930.03,"endTime":4932.3099999999995,"body":"I thought poor Paul"},{"speaker":"Andy Hart","startTime":4930.03,"endTime":4932.3099999999995,"body":"did a great presentation. But"},{"speaker":"Andy Hart","startTime":4932.3099999999995,"endTime":4935.73,"body":"what I meant I wasn't impressed"},{"speaker":"Andy Hart","startTime":4932.3099999999995,"endTime":4935.73,"body":"with a standard of financial"},{"speaker":"Andy Hart","startTime":4935.73,"endTime":4939.33,"body":"advisors or financial advice in"},{"speaker":"Andy Hart","startTime":4935.73,"endTime":4939.33,"body":"the UK. Yeah, there was no"},{"speaker":"Andy Hart","startTime":4939.33,"endTime":4940.65,"body":"financial planning."},{"speaker":"Alan Smith","startTime":4940.8,"endTime":4943.65,"body":"You weren't because"},{"speaker":"Alan Smith","startTime":4940.8,"endTime":4943.65,"body":"you weren't one is important"},{"speaker":"Alan Smith","startTime":4943.65,"endTime":4946.29,"body":"thing you assumed that was"},{"speaker":"Alan Smith","startTime":4943.65,"endTime":4946.29,"body":"surely everyone's doing this."},{"speaker":"Andy Hart","startTime":4946.32,"endTime":4947.94,"body":"Yeah, I thought"},{"speaker":"Andy Hart","startTime":4946.32,"endTime":4947.94,"body":"surely everyone's that's"},{"speaker":"Andy Hart","startTime":4947.94,"endTime":4950.49,"body":"actually following proper"},{"speaker":"Andy Hart","startTime":4947.94,"endTime":4950.49,"body":"financial exactly"},{"speaker":"Alan Smith","startTime":4950.49,"endTime":4952.5599999999995,"body":"what Paul was saying"},{"speaker":"Alan Smith","startTime":4950.49,"endTime":4952.5599999999995,"body":"in that presentation when he"},{"speaker":"Alan Smith","startTime":4952.5599999999995,"endTime":4958.08,"body":"spoke to a client. Yeah. Surely"},{"speaker":"Alan Smith","startTime":4952.5599999999995,"endTime":4958.08,"body":"everyone does this? Yes, that's"},{"speaker":"Alan Smith","startTime":4958.08,"endTime":4962.49,"body":"exactly I thought. However, many"},{"speaker":"Alan Smith","startTime":4958.08,"endTime":4962.49,"body":"years later, it's still the"},{"speaker":"Alan Smith","startTime":4962.49,"endTime":4966.5999999999995,"body":"minority, or people and"},{"speaker":"Alan Smith","startTime":4962.49,"endTime":4966.5999999999995,"body":"companies who deliver what we"},{"speaker":"Alan Smith","startTime":4966.5999999999995,"endTime":4969.51,"body":"call full fat financial"},{"speaker":"Alan Smith","startTime":4966.5999999999995,"endTime":4969.51,"body":"planning, it remains to the"},{"speaker":"Alan Smith","startTime":4969.51,"endTime":4974.01,"body":"minority a decade plus later,"},{"speaker":"Alan Smith","startTime":4969.51,"endTime":4974.01,"body":"which is crazy. But well, if"},{"speaker":"Alan Smith","startTime":4974.01,"endTime":4975.57,"body":"we're saying it's a waste of"},{"speaker":"Alan Smith","startTime":4974.01,"endTime":4975.57,"body":"time, you thought it was"},{"speaker":"Alan Smith","startTime":4975.57,"endTime":4976.2,"body":"rubbish. It wasn't a"},{"speaker":"Andy Hart","startTime":4976.2,"endTime":4979.47,"body":"waste of time, I"},{"speaker":"Andy Hart","startTime":4976.2,"endTime":4979.47,"body":"wasn't pleased with the standard"},{"speaker":"Andy Hart","startTime":4979.47,"endTime":4983.04,"body":"of financial advice that I was"},{"speaker":"Andy Hart","startTime":4979.47,"endTime":4983.04,"body":"entering into. And I've tried to"},{"speaker":"Andy Hart","startTime":4983.61,"endTime":4985.65,"body":"loosely fix it as time goes on."},{"speaker":"Nick Lincoln","startTime":4987.9,"endTime":4990.45,"body":"Drop again,"},{"speaker":"Nick Lincoln","startTime":4987.9,"endTime":4990.45,"body":"actually, okay, let's see. We're"},{"speaker":"Nick Lincoln","startTime":4990.45,"endTime":4994.05,"body":"at 81 minutes in let's go on to"},{"speaker":"Nick Lincoln","startTime":4990.45,"endTime":4994.05,"body":"let's go into Coca Cola for the"},{"speaker":"Nick Lincoln","startTime":4994.05,"endTime":5000.41,"body":"love of God. Right, I'm not"},{"speaker":"Nick Lincoln","startTime":4994.05,"endTime":5000.41,"body":"allowed to read this out. So you"},{"speaker":"Nick Lincoln","startTime":5000.41,"endTime":5001.91,"body":"can look at the notes and start"},{"speaker":"Nick Lincoln","startTime":5000.41,"endTime":5001.91,"body":"talking."},{"speaker":"Carl Widger","startTime":5003.59,"endTime":5010.8499999999995,"body":"College. You lowly,"},{"speaker":"Carl Widger","startTime":5003.59,"endTime":5010.8499999999995,"body":"I like it. And so I put in a"},{"speaker":"Carl Widger","startTime":5010.88,"endTime":5016.19,"body":"Google talks with JL Collins,"},{"speaker":"Carl Widger","startTime":5010.88,"endTime":5016.19,"body":"didn't I? Yeah, that's what he"},{"speaker":"Carl Widger","startTime":5016.19,"endTime":5021.2,"body":"did. I would much prefer to read"},{"speaker":"Carl Widger","startTime":5016.19,"endTime":5021.2,"body":"them out, Nick. What I actually"},{"speaker":"Carl Widger","startTime":5021.2,"endTime":5025.3099999999995,"body":"did, yeah, it's a really, it's a"},{"speaker":"Carl Widger","startTime":5021.2,"endTime":5025.3099999999995,"body":"really good video, YouTube"},{"speaker":"Carl Widger","startTime":5025.3099999999995,"endTime":5030.23,"body":"video. I think it's 50 minutes."},{"speaker":"Carl Widger","startTime":5025.3099999999995,"endTime":5030.23,"body":"He, he touches on, I sometimes"},{"speaker":"Carl Widger","startTime":5030.23,"endTime":5033.0199999999995,"body":"wonder where I got, I get a lot"},{"speaker":"Carl Widger","startTime":5030.23,"endTime":5033.0199999999995,"body":"of the phrases. I don't know if"},{"speaker":"Carl Widger","startTime":5033.0199999999995,"endTime":5035.45,"body":"he got them from somebody else."},{"speaker":"Carl Widger","startTime":5033.0199999999995,"endTime":5035.45,"body":"But I use a lot of the phrases"},{"speaker":"Carl Widger","startTime":5035.45,"endTime":5040.04,"body":"that he uses. He's not very"},{"speaker":"Carl Widger","startTime":5035.45,"endTime":5040.04,"body":"friendly, are. He's not a big"},{"speaker":"Carl Widger","startTime":5040.04,"endTime":5043.46,"body":"fan of financial advisors. So"},{"speaker":"Carl Widger","startTime":5040.04,"endTime":5043.46,"body":"you got to listen to that as"},{"speaker":"Carl Widger","startTime":5043.46,"endTime":5046.28,"body":"well. And I think that that, you"},{"speaker":"Carl Widger","startTime":5043.46,"endTime":5046.28,"body":"know, you should listen to that,"},{"speaker":"Carl Widger","startTime":5046.64,"endTime":5050.15,"body":"you know, and formulate your"},{"speaker":"Carl Widger","startTime":5046.64,"endTime":5050.15,"body":"views as to why you as a"},{"speaker":"Carl Widger","startTime":5050.15,"endTime":5053.03,"body":"financial planner, add value."},{"speaker":"Carl Widger","startTime":5050.15,"endTime":5053.03,"body":"Really, really good stuff."},{"speaker":"Carl Widger","startTime":5053.72,"endTime":5055.7,"body":"Really good guy. Yep. Enjoyed"},{"speaker":"Carl Widger","startTime":5053.72,"endTime":5055.7,"body":"it."},{"speaker":"Andy Hart","startTime":5056.8099999999995,"endTime":5060.05,"body":"Great stuff. Alan,"},{"speaker":"Andy Hart","startTime":5056.8099999999995,"endTime":5060.05,"body":"over to you, mate. Your culture"},{"speaker":"Andy Hart","startTime":5060.05,"endTime":5060.83,"body":"corner point."},{"speaker":"Alan Smith","startTime":5060.83,"endTime":5063.7699999999995,"body":"Yeah, just just"},{"speaker":"Alan Smith","startTime":5060.83,"endTime":5063.7699999999995,"body":"before I do that, I think just"},{"speaker":"Alan Smith","startTime":5063.8,"endTime":5068.42,"body":"it's important that because the"},{"speaker":"Alan Smith","startTime":5063.8,"endTime":5068.42,"body":"other guy, the other guy who's"},{"speaker":"Alan Smith","startTime":5068.42,"endTime":5071.51,"body":"sort of non advisor but writes a"},{"speaker":"Alan Smith","startTime":5068.42,"endTime":5071.51,"body":"lot of books about financial"},{"speaker":"Alan Smith","startTime":5071.51,"endTime":5074.12,"body":"planning and investing. So and"},{"speaker":"Alan Smith","startTime":5071.51,"endTime":5074.12,"body":"it's guy that we've heard of"},{"speaker":"Alan Smith","startTime":5074.12,"endTime":5077.99,"body":"called Ramit Sethi, who had his"},{"speaker":"Alan Smith","startTime":5074.12,"endTime":5077.99,"body":"own Netflix series and so on, he"},{"speaker":"Alan Smith","startTime":5077.99,"endTime":5081.17,"body":"just published again on whatever"},{"speaker":"Alan Smith","startTime":5077.99,"endTime":5081.17,"body":"social media channels I think I"},{"speaker":"Alan Smith","startTime":5081.17,"endTime":5084.8,"body":"saw on Twitter that all the data"},{"speaker":"Alan Smith","startTime":5081.17,"endTime":5084.8,"body":"about why paying fees to an"},{"speaker":"Alan Smith","startTime":5084.8,"endTime":5087.86,"body":"advisor is all fall ticket if"},{"speaker":"Alan Smith","startTime":5084.8,"endTime":5087.86,"body":"you do the compounding effect of"},{"speaker":"Alan Smith","startTime":5087.86,"endTime":5091.07,"body":"a 1% model over 30 years or"},{"speaker":"Alan Smith","startTime":5087.86,"endTime":5091.07,"body":"something that adds up. So he"},{"speaker":"Alan Smith","startTime":5091.07,"endTime":5095.12,"body":"was absolutely slating it. All I"},{"speaker":"Alan Smith","startTime":5091.07,"endTime":5095.12,"body":"would say to anyone we know the"},{"speaker":"Alan Smith","startTime":5095.12,"endTime":5097.76,"body":"answers, I think we've talked"},{"speaker":"Alan Smith","startTime":5095.12,"endTime":5097.76,"body":"about it loosely at some level"},{"speaker":"Alan Smith","startTime":5097.76,"endTime":5102.3499999999995,"body":"in the past, but advisors need"},{"speaker":"Alan Smith","startTime":5097.76,"endTime":5102.3499999999995,"body":"to have be well versed with the"},{"speaker":"Alan Smith","startTime":5102.3499999999995,"endTime":5106.04,"body":"response to that which, which we"},{"speaker":"Alan Smith","startTime":5102.3499999999995,"endTime":5106.04,"body":"all agree with. If you're hiring"},{"speaker":"Alan Smith","startTime":5106.04,"endTime":5108.47,"body":"somebody just to tell you what"},{"speaker":"Alan Smith","startTime":5106.04,"endTime":5108.47,"body":"funds to invest in, you're"},{"speaker":"Alan Smith","startTime":5108.47,"endTime":5111.5599999999995,"body":"right, it's probably a waste of"},{"speaker":"Alan Smith","startTime":5108.47,"endTime":5111.5599999999995,"body":"money. If you advise if you hire"},{"speaker":"Alan Smith","startTime":5111.5599999999995,"endTime":5114.59,"body":"someone to do the work that"},{"speaker":"Alan Smith","startTime":5111.5599999999995,"endTime":5114.59,"body":"firms like us do, and the good"},{"speaker":"Alan Smith","startTime":5114.59,"endTime":5118.22,"body":"people listening to this do,"},{"speaker":"Alan Smith","startTime":5114.59,"endTime":5118.22,"body":"it's worth 10 times the fee you"},{"speaker":"Alan Smith","startTime":5118.22,"endTime":5121.55,"body":"pay and that's what's lost in"},{"speaker":"Alan Smith","startTime":5118.22,"endTime":5121.55,"body":"the message. But people like"},{"speaker":"Alan Smith","startTime":5121.55,"endTime":5124.28,"body":"this are pretty popular and are"},{"speaker":"Alan Smith","startTime":5121.55,"endTime":5124.28,"body":"getting increasingly popular"},{"speaker":"Alan Smith","startTime":5124.28,"endTime":5127.13,"body":"when you get a whole series on"},{"speaker":"Alan Smith","startTime":5124.28,"endTime":5127.13,"body":"Netflix. What I'm saying is be"},{"speaker":"Alan Smith","startTime":5127.13,"endTime":5129.65,"body":"prepared because a prospective"},{"speaker":"Alan Smith","startTime":5127.13,"endTime":5129.65,"body":"client will say to you I was"},{"speaker":"Alan Smith","startTime":5129.65,"endTime":5132.3499999999995,"body":"just watching this program last"},{"speaker":"Alan Smith","startTime":5129.65,"endTime":5132.3499999999995,"body":"night or just watch the JL"},{"speaker":"Alan Smith","startTime":5132.3499999999995,"endTime":5136.3099999999995,"body":"Collins video that call"},{"speaker":"Alan Smith","startTime":5132.3499999999995,"endTime":5136.3099999999995,"body":"recommended so have your"},{"speaker":"Alan Smith","startTime":5136.3099999999995,"endTime":5139.67,"body":"research done have your response"},{"speaker":"Alan Smith","startTime":5136.3099999999995,"endTime":5139.67,"body":"to that you know listen to their"},{"speaker":"Alan Smith","startTime":5139.67,"endTime":5142.76,"body":"question thoughtfully reflect on"},{"speaker":"Alan Smith","startTime":5139.67,"endTime":5142.76,"body":"it and say that's I agree with"},{"speaker":"Alan Smith","startTime":5142.76,"endTime":5146.9,"body":"them for this type of advisor"},{"speaker":"Alan Smith","startTime":5142.76,"endTime":5146.9,"body":"Fortunately, we're not that type"},{"speaker":"Alan Smith","startTime":5146.9,"endTime":5150.05,"body":"of advisor and this is why it's"},{"speaker":"Alan Smith","startTime":5146.9,"endTime":5150.05,"body":"worth engaging with us just"},{"speaker":"Alan Smith","startTime":5150.5,"endTime":5151.97,"body":"reflect reflect that back now."},{"speaker":"Nick Lincoln","startTime":5152.42,"endTime":5155.51,"body":"I'm sorry I just"},{"speaker":"Nick Lincoln","startTime":5152.42,"endTime":5155.51,"body":"sign in as someone who regularly"},{"speaker":"Nick Lincoln","startTime":5155.51,"endTime":5157.79,"body":"pour scorn on the dying legacy"},{"speaker":"Nick Lincoln","startTime":5155.51,"endTime":5157.79,"body":"media doesn't mean I don't read"},{"speaker":"Nick Lincoln","startTime":5157.79,"endTime":5160.13,"body":"it because I need to I do look"},{"speaker":"Nick Lincoln","startTime":5157.79,"endTime":5160.13,"body":"at it, because I need to know"},{"speaker":"Nick Lincoln","startTime":5160.13,"endTime":5163.16,"body":"what my clients are consuming so"},{"speaker":"Nick Lincoln","startTime":5160.13,"endTime":5163.16,"body":"I can be on the front foot when"},{"speaker":"Nick Lincoln","startTime":5163.16,"endTime":5166.16,"body":"they come to me with the latest"},{"speaker":"Nick Lincoln","startTime":5163.16,"endTime":5166.16,"body":"stupid idea by some some"},{"speaker":"Nick Lincoln","startTime":5166.16,"endTime":5169.07,"body":"bonehead journalist right Mr."},{"speaker":"Nick Lincoln","startTime":5166.16,"endTime":5169.07,"body":"Smith, Sylvester Stallone on"},{"speaker":"Nick Lincoln","startTime":5169.07,"endTime":5170.12,"body":"Netflix get to it."},{"speaker":"Alan Smith","startTime":5171.71,"endTime":5175.25,"body":"I think we all need"},{"speaker":"Alan Smith","startTime":5171.71,"endTime":5175.25,"body":"to be inspired on a regular"},{"speaker":"Alan Smith","startTime":5175.25,"endTime":5179.12,"body":"basis. I certainly do. Do I is"},{"speaker":"Alan Smith","startTime":5175.25,"endTime":5179.12,"body":"enough doom and gloom around if"},{"speaker":"Alan Smith","startTime":5179.12,"endTime":5181.28,"body":"he, as you say, if you've"},{"speaker":"Alan Smith","startTime":5179.12,"endTime":5181.28,"body":"subscribed to the mainstream"},{"speaker":"Alan Smith","startTime":5181.28,"endTime":5184.19,"body":"media or any type of media,"},{"speaker":"Alan Smith","startTime":5181.28,"endTime":5184.19,"body":"there's lots of negativity. I"},{"speaker":"Alan Smith","startTime":5184.19,"endTime":5187.8499999999995,"body":"absolutely love Sly Stallone,"},{"speaker":"Alan Smith","startTime":5184.19,"endTime":5187.8499999999995,"body":"I've been a sort of fan of his"},{"speaker":"Alan Smith","startTime":5187.8499999999995,"endTime":5190.37,"body":"from the early, you know, the"},{"speaker":"Alan Smith","startTime":5187.8499999999995,"endTime":5190.37,"body":"very first Rocky movie and so"},{"speaker":"Alan Smith","startTime":5190.37,"endTime":5194.12,"body":"many of his other films, and I"},{"speaker":"Alan Smith","startTime":5190.37,"endTime":5194.12,"body":"knew something of the semester"},{"speaker":"Alan Smith","startTime":5194.12,"endTime":5198.89,"body":"Stallone story. But he himself"},{"speaker":"Alan Smith","startTime":5194.12,"endTime":5198.89,"body":"unpacks his whole kind of life"},{"speaker":"Alan Smith","startTime":5198.89,"endTime":5202.67,"body":"story on this Netflix and it's"},{"speaker":"Alan Smith","startTime":5198.89,"endTime":5202.67,"body":"just, it's an hour and a half."},{"speaker":"Alan Smith","startTime":5202.67,"endTime":5206.18,"body":"It's not a long sort of series"},{"speaker":"Alan Smith","startTime":5202.67,"endTime":5206.18,"body":"or anything. And in particular,"},{"speaker":"Alan Smith","startTime":5206.18,"endTime":5208.55,"body":"if anyone knows about Sly"},{"speaker":"Alan Smith","startTime":5206.18,"endTime":5208.55,"body":"Stallone as he got started"},{"speaker":"Alan Smith","startTime":5208.58,"endTime":5211.34,"body":"really tough upbringing in"},{"speaker":"Alan Smith","startTime":5208.58,"endTime":5211.34,"body":"Hell's Kitchen in New York and"},{"speaker":"Alan Smith","startTime":5211.67,"endTime":5214.97,"body":"his parents were very kind of"},{"speaker":"Alan Smith","startTime":5211.67,"endTime":5214.97,"body":"absent and it's a tough, tough"},{"speaker":"Alan Smith","startTime":5214.97,"endTime":5218.63,"body":"life. And he wanted to and he"},{"speaker":"Alan Smith","startTime":5214.97,"endTime":5218.63,"body":"buys on admission. He's not the"},{"speaker":"Alan Smith","startTime":5218.63,"endTime":5222.05,"body":"best looking but most handsome."},{"speaker":"Alan Smith","startTime":5218.63,"endTime":5222.05,"body":"He's got this kind of strange,"},{"speaker":"Alan Smith","startTime":5222.44,"endTime":5225.3499999999995,"body":"Brooklyn sight, whatever it is"},{"speaker":"Alan Smith","startTime":5222.44,"endTime":5225.3499999999995,"body":"New York accent he wasn't the"},{"speaker":"Alan Smith","startTime":5225.38,"endTime":5229.91,"body":"archetypal movie star. But he"},{"speaker":"Alan Smith","startTime":5225.38,"endTime":5229.91,"body":"got into writing early on and he"},{"speaker":"Alan Smith","startTime":5229.91,"endTime":5233.2699999999995,"body":"wrote the screenplay wrote the"},{"speaker":"Alan Smith","startTime":5229.91,"endTime":5233.2699999999995,"body":"script for Rocky this very"},{"speaker":"Alan Smith","startTime":5233.3,"endTime":5237.44,"body":"unlikely situation over kind of"},{"speaker":"Alan Smith","startTime":5233.3,"endTime":5237.44,"body":"a white boxer coming up from the"},{"speaker":"Alan Smith","startTime":5237.47,"endTime":5240.41,"body":"sort of backstreets and becoming"},{"speaker":"Alan Smith","startTime":5237.47,"endTime":5240.41,"body":"world champion heavyweight"},{"speaker":"Alan Smith","startTime":5240.41,"endTime":5244.46,"body":"boxer. And he was absolutely"},{"speaker":"Alan Smith","startTime":5240.41,"endTime":5244.46,"body":"skint. He had no money"},{"speaker":"Alan Smith","startTime":5244.49,"endTime":5248.57,"body":"whatsoever. And he was but it"},{"speaker":"Alan Smith","startTime":5244.49,"endTime":5248.57,"body":"just his work ethic was just"},{"speaker":"Alan Smith","startTime":5248.57,"endTime":5251.66,"body":"frickin relentless. He just"},{"speaker":"Alan Smith","startTime":5248.57,"endTime":5251.66,"body":"would not say no wouldn't take"},{"speaker":"Alan Smith","startTime":5251.66,"endTime":5254.54,"body":"no for an answer. And he would"},{"speaker":"Alan Smith","startTime":5251.66,"endTime":5254.54,"body":"knock on every door, every"},{"speaker":"Alan Smith","startTime":5254.54,"endTime":5257.18,"body":"particular any any remote person"},{"speaker":"Alan Smith","startTime":5254.54,"endTime":5257.18,"body":"that could help you and he's"},{"speaker":"Alan Smith","startTime":5257.18,"endTime":5262.64,"body":"shopping this scripts around."},{"speaker":"Alan Smith","startTime":5257.18,"endTime":5262.64,"body":"And eventually, everyone's doing"},{"speaker":"Alan Smith","startTime":5262.64,"endTime":5265.46,"body":"it all these agents were saying"},{"speaker":"Alan Smith","startTime":5262.64,"endTime":5265.46,"body":"not interested, not interested."},{"speaker":"Alan Smith","startTime":5265.46,"endTime":5269.5999999999995,"body":"And he started to get some"},{"speaker":"Alan Smith","startTime":5265.46,"endTime":5269.5999999999995,"body":"interest in it. And eventually"},{"speaker":"Alan Smith","startTime":5269.5999999999995,"endTime":5272.2699999999995,"body":"the price was bid up and up and"},{"speaker":"Alan Smith","startTime":5269.5999999999995,"endTime":5272.2699999999995,"body":"up. Eventually bear in mind,"},{"speaker":"Alan Smith","startTime":5272.2699999999995,"endTime":5274.76,"body":"someone who's got no money"},{"speaker":"Alan Smith","startTime":5272.2699999999995,"endTime":5274.76,"body":"whatsoever. He's in debt left,"},{"speaker":"Alan Smith","startTime":5274.76,"endTime":5278.51,"body":"right and center, barely"},{"speaker":"Alan Smith","startTime":5274.76,"endTime":5278.51,"body":"surviving. And he gets over"},{"speaker":"Alan Smith","startTime":5278.51,"endTime":5282.98,"body":"$265,000 for the script on the"},{"speaker":"Alan Smith","startTime":5278.51,"endTime":5282.98,"body":"premise that he can't be in it."},{"speaker":"Alan Smith","startTime":5283.04,"endTime":5286.46,"body":"It's a quarter of a million"},{"speaker":"Alan Smith","startTime":5283.04,"endTime":5286.46,"body":"dollars not to be in the movie."},{"speaker":"Alan Smith","startTime":5286.58,"endTime":5289.8499999999995,"body":"And he turns it down. Because he"},{"speaker":"Alan Smith","startTime":5286.58,"endTime":5289.8499999999995,"body":"says I have to be in it. It's my"},{"speaker":"Alan Smith","startTime":5289.8499999999995,"endTime":5292.49,"body":"story. I need to be part of it"},{"speaker":"Alan Smith","startTime":5289.8499999999995,"endTime":5292.49,"body":"even though but no money at all."},{"speaker":"Alan Smith","startTime":5292.82,"endTime":5295.79,"body":"And it's just fabulous. Just the"},{"speaker":"Alan Smith","startTime":5292.82,"endTime":5295.79,"body":"relentless desire. And I was"},{"speaker":"Alan Smith","startTime":5295.79,"endTime":5298.0999999999995,"body":"relating it back to previous"},{"speaker":"Alan Smith","startTime":5295.79,"endTime":5298.0999999999995,"body":"conversations. We've had this"},{"speaker":"Alan Smith","startTime":5298.0999999999995,"endTime":5301.46,"body":"podcast, people say, Oh, I can't"},{"speaker":"Alan Smith","startTime":5298.0999999999995,"endTime":5301.46,"body":"start up my own. I hate where I"},{"speaker":"Alan Smith","startTime":5301.46,"endTime":5303.5,"body":"am. I don't want to start my"},{"speaker":"Alan Smith","startTime":5301.46,"endTime":5303.5,"body":"own, I have a business because I"},{"speaker":"Alan Smith","startTime":5303.5,"endTime":5306.47,"body":"might have to, you know, live a"},{"speaker":"Alan Smith","startTime":5303.5,"endTime":5306.47,"body":"tough time for a year or two, I"},{"speaker":"Alan Smith","startTime":5306.47,"endTime":5308.78,"body":"might have to cut back my"},{"speaker":"Alan Smith","startTime":5306.47,"endTime":5308.78,"body":"expenditure for a year or two."},{"speaker":"Alan Smith","startTime":5309.2,"endTime":5312.38,"body":"Just watch Sylvester Stallone"},{"speaker":"Alan Smith","startTime":5309.2,"endTime":5312.38,"body":"tell his own personal journey."},{"speaker":"Alan Smith","startTime":5312.38,"endTime":5312.71,"body":"He's now"},{"speaker":"Carl Widger","startTime":5312.71,"endTime":5315.71,"body":"in his mid 70s. And"},{"speaker":"Carl Widger","startTime":5312.71,"endTime":5315.71,"body":"he doesn't have to know you just"},{"speaker":"Carl Widger","startTime":5315.71,"endTime":5315.98,"body":"don't"},{"speaker":"Alan Smith","startTime":5316.61,"endTime":5318.74,"body":"know, I just told"},{"speaker":"Alan Smith","startTime":5316.61,"endTime":5318.74,"body":"you the beginning of the"},{"speaker":"Alan Smith","startTime":5318.74,"endTime":5321.74,"body":"beginning, which is a well"},{"speaker":"Alan Smith","startTime":5318.74,"endTime":5321.74,"body":"documented story, but called by"},{"speaker":"Alan Smith","startTime":5321.74,"endTime":5323.8099999999995,"body":"people who pay attention to"},{"speaker":"Alan Smith","startTime":5321.74,"endTime":5323.8099999999995,"body":"these sort of things. Maybe you"},{"speaker":"Alan Smith","startTime":5323.8099999999995,"endTime":5325.7,"body":"haven't seen it. But it there is"},{"speaker":"Andy Hart","startTime":5326.63,"endTime":5329.45,"body":"a ruin in the punch"},{"speaker":"Andy Hart","startTime":5326.63,"endTime":5329.45,"body":"line of the whole document. Just"},{"speaker":"Alan Smith","startTime":5329.45,"endTime":5331.16,"body":"the first five"},{"speaker":"Alan Smith","startTime":5329.45,"endTime":5331.16,"body":"minutes of this the document."},{"speaker":"Alan Smith","startTime":5332.96,"endTime":5335.42,"body":"Slide is far more interesting"},{"speaker":"Alan Smith","startTime":5332.96,"endTime":5335.42,"body":"down the line. That's just the"},{"speaker":"Alan Smith","startTime":5335.42,"endTime":5337.55,"body":"opening story. Thank you. Okay,"},{"speaker":"Alan Smith","startTime":5335.42,"endTime":5337.55,"body":"great."},{"speaker":"Nick Lincoln","startTime":5337.73,"endTime":5342.2,"body":"Great, great."},{"speaker":"Nick Lincoln","startTime":5337.73,"endTime":5342.2,"body":"Right. So Joe rose, Nick, over"},{"speaker":"Nick Lincoln","startTime":5342.2,"endTime":5345.14,"body":"to me. You want to tell me what"},{"speaker":"Nick Lincoln","startTime":5342.2,"endTime":5345.14,"body":"I'm gonna talk about God? What"},{"speaker":"Nick Lincoln","startTime":5345.14,"endTime":5345.65,"body":"am I talking about?"},{"speaker":"Andy Hart","startTime":5347.36,"endTime":5349.55,"body":"This in front of you"},{"speaker":"Andy Hart","startTime":5347.36,"endTime":5349.55,"body":"read the frickin notes. Oh,"},{"speaker":"Andy Hart","startTime":5349.55,"endTime":5349.7,"body":"yeah."},{"speaker":"Nick Lincoln","startTime":5349.7,"endTime":5352.22,"body":"So it's Thank you"},{"speaker":"Nick Lincoln","startTime":5349.7,"endTime":5352.22,"body":"lucky you're here. So Joe Rogan"},{"speaker":"Nick Lincoln","startTime":5352.22,"endTime":5354.98,"body":"on his recent podcast and Elon"},{"speaker":"Nick Lincoln","startTime":5352.22,"endTime":5354.98,"body":"Musk on and it's just a really"},{"speaker":"Nick Lincoln","startTime":5354.98,"endTime":5357.2,"body":"good listen. And if you can"},{"speaker":"Nick Lincoln","startTime":5354.98,"endTime":5357.2,"body":"watch the video a bit that's"},{"speaker":"Nick Lincoln","startTime":5357.2,"endTime":5361.16,"body":"that's, that's fun as well."},{"speaker":"Nick Lincoln","startTime":5357.2,"endTime":5361.16,"body":"Yeah, just engaging. And of all"},{"speaker":"Nick Lincoln","startTime":5361.16,"endTime":5363.65,"body":"these faults, Carl and I have"},{"speaker":"Nick Lincoln","startTime":5361.16,"endTime":5363.65,"body":"got the audio book to listen to"},{"speaker":"Nick Lincoln","startTime":5363.65,"endTime":5367.13,"body":"his biography. He's an engaging"},{"speaker":"Nick Lincoln","startTime":5363.65,"endTime":5367.13,"body":"character, Elon Musk, and he's,"},{"speaker":"Nick Lincoln","startTime":5367.13,"endTime":5368.96,"body":"you know, he doesn't take"},{"speaker":"Nick Lincoln","startTime":5367.13,"endTime":5368.96,"body":"himself too seriously, which"},{"speaker":"Nick Lincoln","startTime":5368.96,"endTime":5371.57,"body":"given his position in the world"},{"speaker":"Nick Lincoln","startTime":5368.96,"endTime":5371.57,"body":"and his wealth and everything is"},{"speaker":"Nick Lincoln","startTime":5371.57,"endTime":5374.45,"body":"quite refreshing. And, yeah, I"},{"speaker":"Nick Lincoln","startTime":5371.57,"endTime":5374.45,"body":"never had a hankering for double"},{"speaker":"Nick Lincoln","startTime":5374.45,"endTime":5376.61,"body":"pineapple and double entry"},{"speaker":"Nick Lincoln","startTime":5374.45,"endTime":5376.61,"body":"pizza. But if you listen to the"},{"speaker":"Nick Lincoln","startTime":5376.61,"endTime":5380.84,"body":"podcast, or watch the video, you"},{"speaker":"Nick Lincoln","startTime":5376.61,"endTime":5380.84,"body":"will do my second culture corner"},{"speaker":"Nick Lincoln","startTime":5380.84,"endTime":5384.14,"body":"and I'll put a link to the"},{"speaker":"Nick Lincoln","startTime":5380.84,"endTime":5384.14,"body":"video. on Dailymotion, it's on"},{"speaker":"Nick Lincoln","startTime":5384.14,"endTime":5388.79,"body":"Spotify. So Spotify, the video,"},{"speaker":"Nick Lincoln","startTime":5384.14,"endTime":5388.79,"body":"the videos on Spotify, okay,"},{"speaker":"Nick Lincoln","startTime":5388.79,"endTime":5391.22,"body":"fine, whatever those that's just"},{"speaker":"Nick Lincoln","startTime":5388.79,"endTime":5391.22,"body":"a word. That's a source for if"},{"speaker":"Nick Lincoln","startTime":5391.22,"endTime":5391.76,"body":"you wanna watch it."},{"speaker":"Andy Hart","startTime":5393.38,"endTime":5396.41,"body":"Guys falling apart"},{"speaker":"Andy Hart","startTime":5393.38,"endTime":5396.41,"body":"the listeners thinking"},{"speaker":"Nick Lincoln","startTime":5396.41,"endTime":5398.63,"body":"Grow Rich by"},{"speaker":"Nick Lincoln","startTime":5396.41,"endTime":5398.63,"body":"Napoleon Hill, a great book, and"},{"speaker":"Nick Lincoln","startTime":5398.63,"endTime":5402.3499999999995,"body":"it's parentally on Kindle at 99"},{"speaker":"Nick Lincoln","startTime":5398.63,"endTime":5402.3499999999995,"body":"p. So I would just suggest"},{"speaker":"Nick Lincoln","startTime":5402.38,"endTime":5404.9,"body":"invest 99 P if you don't like"},{"speaker":"Nick Lincoln","startTime":5402.38,"endTime":5404.9,"body":"it, you've wasted a quit"},{"speaker":"Nick Lincoln","startTime":5405.7699999999995,"endTime":5410.09,"body":"thinking Grow Rich by Napoleon"},{"speaker":"Nick Lincoln","startTime":5405.7699999999995,"endTime":5410.09,"body":"Hill. Mr. Ha, you're living the"},{"speaker":"Nick Lincoln","startTime":5410.09,"endTime":5412.64,"body":"dream and the PowerPoint course"},{"speaker":"Nick Lincoln","startTime":5410.09,"endTime":5412.64,"body":"Christ on a bike."},{"speaker":"Andy Hart","startTime":5413.48,"endTime":5416.42,"body":"Yeah, okay, couple of"},{"speaker":"Andy Hart","startTime":5413.48,"endTime":5416.42,"body":"tips here. So I've recently"},{"speaker":"Andy Hart","startTime":5416.42,"endTime":5420.23,"body":"subscribed to chat GBT plus,"},{"speaker":"Andy Hart","startTime":5416.42,"endTime":5420.23,"body":"they've got this sort of"},{"speaker":"Andy Hart","startTime":5420.23,"endTime":5423.44,"body":"subscription service. 20 bucks a"},{"speaker":"Andy Hart","startTime":5420.23,"endTime":5423.44,"body":"month, just subscribe to it can"},{"speaker":"Andy Hart","startTime":5423.44,"endTime":5425.87,"body":"use it for so many different"},{"speaker":"Andy Hart","startTime":5423.44,"endTime":5425.87,"body":"things. Again, we've spoken"},{"speaker":"Andy Hart","startTime":5425.87,"endTime":5428.96,"body":"about it on the podcast before"},{"speaker":"Andy Hart","startTime":5425.87,"endTime":5428.96,"body":"but yeah, the plus version is"},{"speaker":"Andy Hart","startTime":5429.17,"endTime":5432.29,"body":"got a few more bells and"},{"speaker":"Andy Hart","startTime":5429.17,"endTime":5432.29,"body":"whistles. My sort of important"},{"speaker":"Andy Hart","startTime":5432.65,"endTime":5437.5999999999995,"body":"culture corner is it sounds very"},{"speaker":"Andy Hart","startTime":5432.65,"endTime":5437.5999999999995,"body":"dull a PowerPoint course. So"},{"speaker":"Andy Hart","startTime":5437.5999999999995,"endTime":5440.33,"body":"I've been down a bit of a"},{"speaker":"Andy Hart","startTime":5437.5999999999995,"endTime":5440.33,"body":"PowerPoint rabbit hole recently."},{"speaker":"Andy Hart","startTime":5441.26,"endTime":5445.25,"body":"I'm really trying to up my slide"},{"speaker":"Andy Hart","startTime":5441.26,"endTime":5445.25,"body":"game. So for him today, my"},{"speaker":"Andy Hart","startTime":5445.25,"endTime":5448.58,"body":"slides are going to be world"},{"speaker":"Andy Hart","startTime":5445.25,"endTime":5448.58,"body":"class. And I've learned a load"},{"speaker":"Andy Hart","startTime":5448.58,"endTime":5452.8099999999995,"body":"from this guy called Jacob,"},{"speaker":"Andy Hart","startTime":5448.58,"endTime":5452.8099999999995,"body":"who's like a random online"},{"speaker":"Andy Hart","startTime":5452.8099999999995,"endTime":5456.47,"body":"PowerPoint teacher anyways, got"},{"speaker":"Andy Hart","startTime":5452.8099999999995,"endTime":5456.47,"body":"a great course it's 49 bucks."},{"speaker":"Andy Hart","startTime":5456.83,"endTime":5462.38,"body":"It's Jacob PPT which is the sort"},{"speaker":"Andy Hart","startTime":5456.83,"endTime":5462.38,"body":"of file code for PowerPoint. So"},{"speaker":"Andy Hart","startTime":5462.38,"endTime":5467.96,"body":"Jacob PPT dot let me just check"},{"speaker":"Andy Hart","startTime":5462.38,"endTime":5467.96,"body":"if it's calm. is.com There's a"},{"speaker":"Andy Hart","startTime":5467.96,"endTime":5470.5999999999995,"body":"link in the show notes. If you"},{"speaker":"Andy Hart","startTime":5467.96,"endTime":5470.5999999999995,"body":"want to up your PowerPoint game."},{"speaker":"Andy Hart","startTime":5470.9,"endTime":5476.36,"body":"Subscribe to unmute and I know I"},{"speaker":"Andy Hart","startTime":5470.9,"endTime":5476.36,"body":"know. I know a few We'll"},{"speaker":"Unknown","startTime":5476.36,"endTime":5479.66,"body":"check this out. It's"},{"speaker":"Unknown","startTime":5476.36,"endTime":5479.66,"body":"epic."},{"speaker":"Nick Lincoln","startTime":5480.709,"endTime":5483.649,"body":"I wonder if I care"},{"speaker":"Nick Lincoln","startTime":5480.709,"endTime":5483.649,"body":"on that for there? Now there's"},{"speaker":"Nick Lincoln","startTime":5484.339,"endTime":5486.799,"body":"Okay. Very good stuff. Are we"},{"speaker":"Nick Lincoln","startTime":5484.339,"endTime":5486.799,"body":"done with the culture corner?"},{"speaker":"Alan Smith","startTime":5487.46,"endTime":5488.18,"body":"Yes,"},{"speaker":"Nick Lincoln","startTime":5488.2699999999995,"endTime":5489.92,"body":"I think we are on"},{"speaker":"Nick Lincoln","startTime":5488.2699999999995,"endTime":5489.92,"body":"me. I think we're pretty much"},{"speaker":"Nick Lincoln","startTime":5489.92,"endTime":5494.69,"body":"done for an episode was that 90"},{"speaker":"Nick Lincoln","startTime":5489.92,"endTime":5494.69,"body":"minutes, 90 minutes. Okay, I"},{"speaker":"Nick Lincoln","startTime":5494.69,"endTime":5499.61,"body":"think we're gonna wrap this up"},{"speaker":"Nick Lincoln","startTime":5494.69,"endTime":5499.61,"body":"now as ever. If you want to"},{"speaker":"Nick Lincoln","startTime":5499.61,"endTime":5501.62,"body":"leave a six on a five star"},{"speaker":"Nick Lincoln","startTime":5499.61,"endTime":5501.62,"body":"review on iTunes, that would be"},{"speaker":"Nick Lincoln","startTime":5501.62,"endTime":5504.62,"body":"great. Please do subscribe to"},{"speaker":"Nick Lincoln","startTime":5501.62,"endTime":5504.62,"body":"our podcast as well that way"},{"speaker":"Nick Lincoln","startTime":5504.62,"endTime":5508.58,"body":"it'll pop into your phone. As if"},{"speaker":"Nick Lincoln","startTime":5504.62,"endTime":5508.58,"body":"by magic in the early hours of"},{"speaker":"Nick Lincoln","startTime":5508.58,"endTime":5511.82,"body":"every other Thursday morning. We"},{"speaker":"Nick Lincoln","startTime":5508.58,"endTime":5511.82,"body":"have a YouTube channel we're now"},{"speaker":"Nick Lincoln","startTime":5511.82,"endTime":5515.39,"body":"nearly 500 people on that so"},{"speaker":"Nick Lincoln","startTime":5511.82,"endTime":5515.39,"body":"we're gonna get to 1000 people"},{"speaker":"Nick Lincoln","startTime":5515.39,"endTime":5517.49,"body":"and then we will stop letting"},{"speaker":"Nick Lincoln","startTime":5515.39,"endTime":5517.49,"body":"you with terrible outbursts that"},{"speaker":"Nick Lincoln","startTime":5517.49,"endTime":5521.36,"body":"have no context and interrupt"},{"speaker":"Nick Lincoln","startTime":5517.49,"endTime":5521.36,"body":"the flow. I think that side that"},{"speaker":"Nick Lincoln","startTime":5521.36,"endTime":5524.75,"body":"is pretty much it for the show."},{"speaker":"Nick Lincoln","startTime":5521.36,"endTime":5524.75,"body":"Hum, we look forward to seeing"},{"speaker":"Nick Lincoln","startTime":5524.75,"endTime":5527.51,"body":"you there. It'll be a good catch"},{"speaker":"Nick Lincoln","startTime":5524.75,"endTime":5527.51,"body":"up with TRAPPIST there good luck"},{"speaker":"Nick Lincoln","startTime":5527.51,"endTime":5530.21,"body":"with that Andy on the first day"},{"speaker":"Nick Lincoln","startTime":5527.51,"endTime":5530.21,"body":"I know it's gonna be brilliant."},{"speaker":"Nick Lincoln","startTime":5530.24,"endTime":5535.01,"body":"It always is. Until the next"},{"speaker":"Nick Lincoln","startTime":5530.24,"endTime":5535.01,"body":"time Trappists at the OS and"},{"speaker":"Nick Lincoln","startTime":5535.01,"endTime":5539.99,"body":"take care out there folks."},{"speaker":"Nick Lincoln","startTime":5535.01,"endTime":5539.99,"body":"Goodbye. Goodbye later."},{"speaker":"Unknown","startTime":5550.37,"endTime":5551.33,"body":"Absolute champ"}]}