{"version":"1.0.0","segments":[{"speaker":"Unknown","startTime":8.7,"endTime":13.74,"body":"Welcome to The Real"},{"speaker":"Unknown","startTime":8.7,"endTime":13.74,"body":"advisor podcast, t r a p twerp"},{"speaker":"Unknown","startTime":14.13,"endTime":17.34,"body":"please follow us and join in the"},{"speaker":"Unknown","startTime":14.13,"endTime":17.34,"body":"conversation on Twitter at"},{"speaker":"Unknown","startTime":17.34,"endTime":21.09,"body":"advisor podcast where you can"},{"speaker":"Unknown","startTime":17.34,"endTime":21.09,"body":"suggest ideas and themes you'd"},{"speaker":"Unknown","startTime":21.09,"endTime":24.54,"body":"like the track team to discuss."},{"speaker":"Unknown","startTime":21.09,"endTime":24.54,"body":"Also remember to like and"},{"speaker":"Unknown","startTime":24.54,"endTime":28.2,"body":"subscribe to our YouTube channel"},{"speaker":"Unknown","startTime":24.54,"endTime":28.2,"body":"and leave a six out of five star"},{"speaker":"Unknown","startTime":28.2,"endTime":32.16,"body":"review on iTunes. Doing all this"},{"speaker":"Unknown","startTime":28.2,"endTime":32.16,"body":"really really helps us which"},{"speaker":"Unknown","startTime":32.16,"endTime":35.64,"body":"means we can do more to help"},{"speaker":"Unknown","startTime":32.16,"endTime":35.64,"body":"you. Now let's head over to the"},{"speaker":"Unknown","startTime":35.64,"endTime":37.95,"body":"studio for the latest pilot"},{"speaker":"Unknown","startTime":35.64,"endTime":37.95,"body":"trap."},{"speaker":"Nick Lincoln","startTime":43.29,"endTime":45.9,"body":"Yes, indeed, dear"},{"speaker":"Nick Lincoln","startTime":43.29,"endTime":45.9,"body":"TRAPPIST, welcome back to what"},{"speaker":"Nick Lincoln","startTime":45.9,"endTime":49.98,"body":"many people are calling episode"},{"speaker":"Nick Lincoln","startTime":45.9,"endTime":49.98,"body":"36 of the real advisor podcast"},{"speaker":"Nick Lincoln","startTime":49.98,"endTime":56.55,"body":"te R A P trap. My name is Luke"},{"speaker":"Nick Lincoln","startTime":49.98,"endTime":56.55,"body":"Lincoln and joining me in 2024."},{"speaker":"Nick Lincoln","startTime":56.61,"endTime":60.09,"body":"In the digital studio boom, are"},{"speaker":"Nick Lincoln","startTime":56.61,"endTime":60.09,"body":"the three other Horsemen of the"},{"speaker":"Nick Lincoln","startTime":60.09,"endTime":66.75,"body":"Apocalypse. Call the voice which"},{"speaker":"Nick Lincoln","startTime":60.09,"endTime":66.75,"body":"are and the entre heart, and"},{"speaker":"Nick Lincoln","startTime":67.17,"endTime":70.53,"body":"storyteller Smith. Now"},{"speaker":"Nick Lincoln","startTime":67.17,"endTime":70.53,"body":"gentlemen, we have a show packed"},{"speaker":"Nick Lincoln","startTime":70.53,"endTime":74.82,"body":"full of app salutely nothing so"},{"speaker":"Nick Lincoln","startTime":70.53,"endTime":74.82,"body":"let's start unpacking it"},{"speaker":"Nick Lincoln","startTime":74.82,"endTime":79.32,"body":"straightaway with some more high"},{"speaker":"Nick Lincoln","startTime":74.82,"endTime":79.32,"body":"energy reviews. Read out by my"},{"speaker":"Nick Lincoln","startTime":79.56,"endTime":82.02,"body":"my good friend, Mr. Andrew Hart,"},{"speaker":"Andy Hart","startTime":82.89,"endTime":85.56,"body":"a couple of long ones"},{"speaker":"Andy Hart","startTime":82.89,"endTime":85.56,"body":"that I'm somewhat nursing a bit"},{"speaker":"Andy Hart","startTime":85.56,"endTime":88.44,"body":"of a cold, so bear with me."},{"speaker":"Andy Hart","startTime":85.56,"endTime":88.44,"body":"First one is from E and N double"},{"speaker":"Andy Hart","startTime":88.44,"endTime":92.79,"body":"O seven, six out of five, five"},{"speaker":"Andy Hart","startTime":88.44,"endTime":92.79,"body":"stars. I'm one of the non ifas"},{"speaker":"Andy Hart","startTime":92.79,"endTime":97.38,"body":"listening to this fantastic ish,"},{"speaker":"Andy Hart","startTime":92.79,"endTime":97.38,"body":"enlightened trap cast. 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It amazes me how these"},{"speaker":"Andy Hart","startTime":119.4,"endTime":121.59,"body":"people have no idea about"},{"speaker":"Andy Hart","startTime":119.4,"endTime":121.59,"body":"personal finance and tax"},{"speaker":"Andy Hart","startTime":121.59,"endTime":124.8,"body":"planning great and making money"},{"speaker":"Andy Hart","startTime":121.59,"endTime":124.8,"body":"but very hard for them to keep"},{"speaker":"Andy Hart","startTime":124.8,"endTime":129.81,"body":"it keep up the good fight. I'm"},{"speaker":"Andy Hart","startTime":124.8,"endTime":129.81,"body":"enjoying it immensely. Next"},{"speaker":"Andy Hart","startTime":129.81,"endTime":134.16,"body":"review is entitled"},{"speaker":"Andy Hart","startTime":129.81,"endTime":134.16,"body":"inspirational, enlightening and"},{"speaker":"Andy Hart","startTime":134.16,"endTime":138.96,"body":"jovial five stars this is from"},{"speaker":"Andy Hart","startTime":134.16,"endTime":138.96,"body":"Simon underscore J planner, a"},{"speaker":"Andy Hart","startTime":138.96,"endTime":142.05,"body":"fantastic podcast whether you"},{"speaker":"Andy Hart","startTime":138.96,"endTime":142.05,"body":"are at the start of your career"},{"speaker":"Andy Hart","startTime":142.05,"endTime":145.5,"body":"in financial planning or decades"},{"speaker":"Andy Hart","startTime":142.05,"endTime":145.5,"body":"in. I've been a bit advising for"},{"speaker":"Andy Hart","startTime":145.5,"endTime":147.99,"body":"five years, 15 years in the"},{"speaker":"Andy Hart","startTime":145.5,"endTime":147.99,"body":"industry and I've been following"},{"speaker":"Andy Hart","startTime":147.99,"endTime":151.56,"body":"Andy since I heard him on the"},{"speaker":"Andy Hart","startTime":147.99,"endTime":151.56,"body":"next gen podcast some time ago."},{"speaker":"Andy Hart","startTime":151.89,"endTime":154.53,"body":"Through following Andy I have"},{"speaker":"Andy Hart","startTime":151.89,"endTime":154.53,"body":"since discovered Nick and Alan"},{"speaker":"Andy Hart","startTime":154.56,"endTime":158.58,"body":"Yeah, so common route. And I'm"},{"speaker":"Andy Hart","startTime":154.56,"endTime":158.58,"body":"pleased to have added Carl, to"},{"speaker":"Andy Hart","startTime":158.97,"endTime":161.67,"body":"to the listening. 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Keep up the good work"},{"speaker":"Andy Hart","startTime":188.04,"endTime":192.3,"body":"chaps, both the pod and the good"},{"speaker":"Andy Hart","startTime":188.04,"endTime":192.3,"body":"you do for your clients. Simon"},{"speaker":"Andy Hart","startTime":192.33,"endTime":194.13,"body":"Jones, back to you, Nick."},{"speaker":"Nick Lincoln","startTime":195.78,"endTime":197.73,"body":"Fantastic,"},{"speaker":"Nick Lincoln","startTime":195.78,"endTime":197.73,"body":"fantastic. Thank you for those"},{"speaker":"Nick Lincoln","startTime":197.73,"endTime":201.87,"body":"two reviews. Lovely, do keep"},{"speaker":"Nick Lincoln","startTime":197.73,"endTime":201.87,"body":"them coming in. By your whether"},{"speaker":"Nick Lincoln","startTime":201.87,"endTime":204.63,"body":"it be via iTunes, or just"},{"speaker":"Nick Lincoln","startTime":201.87,"endTime":204.63,"body":"anywhere you can do it. Great"},{"speaker":"Nick Lincoln","startTime":204.63,"endTime":207.12,"body":"stuff. Okay, so topical tip"},{"speaker":"Nick Lincoln","startTime":204.63,"endTime":207.12,"body":"bits, let's give this a"},{"speaker":"Nick Lincoln","startTime":207.24,"endTime":210.72,"body":"timestamp. It's obviously the"},{"speaker":"Nick Lincoln","startTime":207.24,"endTime":210.72,"body":"start of the year. We're all"},{"speaker":"Nick Lincoln","startTime":210.72,"endTime":215.16,"body":"full of energy and hope we've"},{"speaker":"Nick Lincoln","startTime":210.72,"endTime":215.16,"body":"wiped the slate clean, and 2023."},{"speaker":"Nick Lincoln","startTime":215.97,"endTime":220.59,"body":"And in 2023, this is a forum"},{"speaker":"Nick Lincoln","startTime":215.97,"endTime":220.59,"body":"that I run this Google group"},{"speaker":"Nick Lincoln","startTime":220.59,"endTime":226.11,"body":"thing. I put a call out on"},{"speaker":"Nick Lincoln","startTime":220.59,"endTime":226.11,"body":"LinkedIn and on Twitter on the"},{"speaker":"Nick Lincoln","startTime":226.11,"endTime":229.26,"body":"31st of December to say can we"},{"speaker":"Nick Lincoln","startTime":226.11,"endTime":229.26,"body":"get to about 400 Members, we are"},{"speaker":"Nick Lincoln","startTime":229.26,"endTime":233.94,"body":"at 390. And that's an influx. So"},{"speaker":"Nick Lincoln","startTime":229.26,"endTime":233.94,"body":"we're now at 436 members of the"},{"speaker":"Nick Lincoln","startTime":233.94,"endTime":236.25,"body":"IFA forum. And if you want to"},{"speaker":"Nick Lincoln","startTime":233.94,"endTime":236.25,"body":"join it, the links in the so"},{"speaker":"Nick Lincoln","startTime":236.25,"endTime":238.56,"body":"called show notes, it's a very"},{"speaker":"Nick Lincoln","startTime":236.25,"endTime":238.56,"body":"good resource. It might drive"},{"speaker":"Nick Lincoln","startTime":238.56,"endTime":242.82,"body":"you crazy if you don't like"},{"speaker":"Nick Lincoln","startTime":238.56,"endTime":242.82,"body":"emails, because 400 people, it's"},{"speaker":"Nick Lincoln","startTime":242.82,"endTime":244.98,"body":"a lot of back and forth. But you"},{"speaker":"Nick Lincoln","startTime":242.82,"endTime":244.98,"body":"can set up a filter in your"},{"speaker":"Nick Lincoln","startTime":244.98,"endTime":249.0,"body":"email client of choice to maybe"},{"speaker":"Nick Lincoln","startTime":244.98,"endTime":249.0,"body":"post the emails you get and look"},{"speaker":"Nick Lincoln","startTime":249.0,"endTime":251.82,"body":"at it maybe once or twice, twice"},{"speaker":"Nick Lincoln","startTime":249.0,"endTime":251.82,"body":"a day, but I use it a lot. If"},{"speaker":"Nick Lincoln","startTime":251.82,"endTime":253.68,"body":"you're a one member and"},{"speaker":"Nick Lincoln","startTime":251.82,"endTime":253.68,"body":"especially oh you know small"},{"speaker":"Nick Lincoln","startTime":253.68,"endTime":257.01,"body":"life a practice and you haven't"},{"speaker":"Nick Lincoln","startTime":253.68,"endTime":257.01,"body":"got the technical desk that you"},{"speaker":"Nick Lincoln","startTime":257.01,"endTime":259.68,"body":"would have with a bigger firm."},{"speaker":"Nick Lincoln","startTime":257.01,"endTime":259.68,"body":"The iPhone was a very good"},{"speaker":"Nick Lincoln","startTime":259.68,"endTime":263.31,"body":"resource. That's enough self"},{"speaker":"Nick Lincoln","startTime":259.68,"endTime":263.31,"body":"promotion from me. Now watch."},{"speaker":"Nick Lincoln","startTime":263.4,"endTime":265.56,"body":"You're not a man who likes"},{"speaker":"Nick Lincoln","startTime":263.4,"endTime":265.56,"body":"confrontation. You You know you"},{"speaker":"Nick Lincoln","startTime":265.56,"endTime":268.41,"body":"keep your head down. You don't"},{"speaker":"Nick Lincoln","startTime":265.56,"endTime":268.41,"body":"aggravate most of Ireland most"},{"speaker":"Nick Lincoln","startTime":268.41,"endTime":272.25,"body":"of the time. Tell me why you"},{"speaker":"Nick Lincoln","startTime":268.41,"endTime":272.25,"body":"picked a fight with the fire"},{"speaker":"Nick Lincoln","startTime":272.25,"endTime":273.09,"body":"movement, my friend."},{"speaker":"Carl Widger","startTime":274.56,"endTime":280.05,"body":"Happy New Year,"},{"speaker":"Carl Widger","startTime":274.56,"endTime":280.05,"body":"Nicholas. So we covered the fire"},{"speaker":"Carl Widger","startTime":280.05,"endTime":283.5,"body":"movement a little time back"},{"speaker":"Carl Widger","startTime":280.05,"endTime":283.5,"body":"there. It's only a probably a"},{"speaker":"Carl Widger","startTime":283.5,"endTime":287.34,"body":"couple of months ago and I"},{"speaker":"Carl Widger","startTime":283.5,"endTime":287.34,"body":"retweeted something in the last"},{"speaker":"Carl Widger","startTime":287.34,"endTime":295.71,"body":"day or two from Justin Welch"},{"speaker":"Carl Widger","startTime":287.34,"endTime":295.71,"body":"wel, sh and his the first line"},{"speaker":"Carl Widger","startTime":295.71,"endTime":300.36,"body":"is I'm convinced the fire"},{"speaker":"Carl Widger","startTime":295.71,"endTime":300.36,"body":"movement is a gimmick and I am"},{"speaker":"Carl Widger","startTime":300.36,"endTime":305.64,"body":"too. And I've reflected. And I"},{"speaker":"Carl Widger","startTime":300.36,"endTime":305.64,"body":"probably wasn't as vociferous"},{"speaker":"Carl Widger","startTime":305.64,"endTime":309.72,"body":"about this when we covered it."},{"speaker":"Carl Widger","startTime":305.64,"endTime":309.72,"body":"But I suppose, as you approach"},{"speaker":"Carl Widger","startTime":309.72,"endTime":313.05,"body":"the end of the year, and you"},{"speaker":"Carl Widger","startTime":309.72,"endTime":313.05,"body":"reflect back on what's happened,"},{"speaker":"Carl Widger","startTime":313.05,"endTime":317.22,"body":"and then you're planning for the"},{"speaker":"Carl Widger","startTime":313.05,"endTime":317.22,"body":"year ahead, one thing that I"},{"speaker":"Carl Widger","startTime":317.22,"endTime":322.47,"body":"have struggled with massively,"},{"speaker":"Carl Widger","startTime":317.22,"endTime":322.47,"body":"all of my career is hitting the"},{"speaker":"Carl Widger","startTime":322.47,"endTime":326.52,"body":"target, and what's next and"},{"speaker":"Carl Widger","startTime":322.47,"endTime":326.52,"body":"what's next. And understanding,"},{"speaker":"Carl Widger","startTime":326.52,"endTime":330.03,"body":"I suppose, when you get to that"},{"speaker":"Carl Widger","startTime":326.52,"endTime":330.03,"body":"target, that it's not all it was"},{"speaker":"Carl Widger","startTime":330.03,"endTime":333.78,"body":"cracked up to be, and that you"},{"speaker":"Carl Widger","startTime":330.03,"endTime":333.78,"body":"got to really enjoy the journey."},{"speaker":"Carl Widger","startTime":334.44,"endTime":338.52,"body":"And what's the fire movement,"},{"speaker":"Carl Widger","startTime":334.44,"endTime":338.52,"body":"the fire movement is right, do"},{"speaker":"Carl Widger","startTime":338.58,"endTime":343.92,"body":"all the penny pension, and then"},{"speaker":"Carl Widger","startTime":338.58,"endTime":343.92,"body":"when I have enough, I will be"},{"speaker":"Carl Widger","startTime":343.95,"endTime":349.5,"body":"happy. You know, and it's all"},{"speaker":"Carl Widger","startTime":343.95,"endTime":349.5,"body":"about, you know, giving up and,"},{"speaker":"Carl Widger","startTime":349.56,"endTime":353.82,"body":"you know, not allowing yourself"},{"speaker":"Carl Widger","startTime":349.56,"endTime":353.82,"body":"to, you know, spend money"},{"speaker":"Carl Widger","startTime":353.82,"endTime":359.61,"body":"basically, on experiences are"},{"speaker":"Carl Widger","startTime":353.82,"endTime":359.61,"body":"things and I just thought, you"},{"speaker":"Carl Widger","startTime":359.61,"endTime":364.68,"body":"know, what, I think the fire"},{"speaker":"Carl Widger","startTime":359.61,"endTime":364.68,"body":"movement is a lot of BS, I"},{"speaker":"Carl Widger","startTime":364.68,"endTime":369.36,"body":"really do. And I don't think"},{"speaker":"Carl Widger","startTime":364.68,"endTime":369.36,"body":"anybody should go through life,"},{"speaker":"Carl Widger","startTime":369.6,"endTime":375.69,"body":"constantly depriving yourself,"},{"speaker":"Carl Widger","startTime":369.6,"endTime":375.69,"body":"especially have experiences. And"},{"speaker":"Carl Widger","startTime":376.14,"endTime":380.85,"body":"yeah, I could go on, I won't"},{"speaker":"Carl Widger","startTime":376.14,"endTime":380.85,"body":"enjoy life enjoy the journey,"},{"speaker":"Carl Widger","startTime":380.85,"endTime":382.8,"body":"folks, because that's all we"},{"speaker":"Carl Widger","startTime":380.85,"endTime":382.8,"body":"have."},{"speaker":"Alan Smith","startTime":383.79,"endTime":386.55,"body":"That's that was a"},{"speaker":"Alan Smith","startTime":383.79,"endTime":386.55,"body":"really interesting thread. And"},{"speaker":"Alan Smith","startTime":386.55,"endTime":389.01,"body":"then loads of comments on"},{"speaker":"Alan Smith","startTime":386.55,"endTime":389.01,"body":"Twitter was in the Justin Welsh,"},{"speaker":"Alan Smith","startTime":389.01,"endTime":391.38,"body":"remember that doesn't know it"},{"speaker":"Alan Smith","startTime":389.01,"endTime":391.38,"body":"doesn't follow him should follow"},{"speaker":"Alan Smith","startTime":391.38,"endTime":393.54,"body":"him, his content is"},{"speaker":"Alan Smith","startTime":391.38,"endTime":393.54,"body":"extraordinary. I've done his"},{"speaker":"Alan Smith","startTime":393.75,"endTime":397.53,"body":"LinkedIn course. So he's not"},{"speaker":"Alan Smith","startTime":393.75,"endTime":397.53,"body":"from financial services at all."},{"speaker":"Alan Smith","startTime":397.53,"endTime":400.86,"body":"He's just someone who's a"},{"speaker":"Alan Smith","startTime":397.53,"endTime":400.86,"body":"successful solopreneur, creating"},{"speaker":"Alan Smith","startTime":400.86,"endTime":404.1,"body":"his own financial independence."},{"speaker":"Alan Smith","startTime":400.86,"endTime":404.1,"body":"And he just reflected on it and"},{"speaker":"Alan Smith","startTime":404.1,"endTime":407.61,"body":"thought, This is nonsense."},{"speaker":"Alan Smith","startTime":404.1,"endTime":407.61,"body":"Because of the amount of"},{"speaker":"Alan Smith","startTime":407.61,"endTime":410.31,"body":"sacrifice now I know Andy's"},{"speaker":"Alan Smith","startTime":407.61,"endTime":410.31,"body":"going to jump in in a minute."},{"speaker":"Alan Smith","startTime":410.79,"endTime":414.42,"body":"And say, which is true, there"},{"speaker":"Alan Smith","startTime":410.79,"endTime":414.42,"body":"are degrees or degrees of it."},{"speaker":"Alan Smith","startTime":414.42,"endTime":418.77,"body":"And some people absolutely seem"},{"speaker":"Alan Smith","startTime":414.42,"endTime":418.77,"body":"to deny themselves live on, you"},{"speaker":"Alan Smith","startTime":418.77,"endTime":422.43,"body":"know, boiled rice and Top Ramen"},{"speaker":"Alan Smith","startTime":418.77,"endTime":422.43,"body":"and sort of live in penury for"},{"speaker":"Alan Smith","startTime":422.43,"endTime":426.03,"body":"3020 30 years in order that they"},{"speaker":"Alan Smith","startTime":422.43,"endTime":426.03,"body":"can, you know, walk away from a"},{"speaker":"Alan Smith","startTime":426.03,"endTime":431.34,"body":"job that they hate. 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The retiring early is just"},{"speaker":"Alan Smith","startTime":438.36,"endTime":442.11,"body":"a, you know, it's a term and I"},{"speaker":"Alan Smith","startTime":438.36,"endTime":442.11,"body":"think, I think there's just such"},{"speaker":"Alan Smith","startTime":442.11,"endTime":445.29,"body":"a wide range of it, but it seems"},{"speaker":"Alan Smith","startTime":442.11,"endTime":445.29,"body":"to have gathered a lot of"},{"speaker":"Alan Smith","startTime":445.29,"endTime":448.29,"body":"momentum because of the more"},{"speaker":"Alan Smith","startTime":445.29,"endTime":448.29,"body":"famous ones like Mister Money"},{"speaker":"Alan Smith","startTime":448.29,"endTime":451.83,"body":"Mustache, who kind of found that"},{"speaker":"Alan Smith","startTime":448.29,"endTime":451.83,"body":"the the whole thing certainly"},{"speaker":"Alan Smith","startTime":451.83,"endTime":455.1,"body":"seems to be quite extreme in his"},{"speaker":"Alan Smith","startTime":451.83,"endTime":455.1,"body":"lifestyle, his behavior and is"},{"speaker":"Alan Smith","startTime":455.1,"endTime":457.89,"body":"sort of choices that he's made"},{"speaker":"Alan Smith","startTime":455.1,"endTime":457.89,"body":"over the years, the ones that"},{"speaker":"Alan Smith","startTime":457.89,"endTime":462.69,"body":"he's promoted. 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We, we obviously"},{"speaker":"Nick Lincoln","startTime":471.42,"endTime":475.53,"body":"want clients to be saving for"},{"speaker":"Nick Lincoln","startTime":475.53,"endTime":477.72,"body":"their future selves, so they"},{"speaker":"Nick Lincoln","startTime":475.53,"endTime":477.72,"body":"don't run out of money later on"},{"speaker":"Nick Lincoln","startTime":477.72,"endTime":481.89,"body":"in life. But there's a balancing"},{"speaker":"Nick Lincoln","startTime":477.72,"endTime":481.89,"body":"act, man, here we were we, you"},{"speaker":"Nick Lincoln","startTime":481.89,"endTime":485.01,"body":"know, we, we want our clients"},{"speaker":"Nick Lincoln","startTime":481.89,"endTime":485.01,"body":"also to have a full life and an"},{"speaker":"Nick Lincoln","startTime":485.01,"endTime":487.23,"body":"active life and we want them to"},{"speaker":"Nick Lincoln","startTime":485.01,"endTime":487.23,"body":"have the same kind of quality of"},{"speaker":"Nick Lincoln","startTime":487.23,"endTime":489.84,"body":"life in retirement that they"},{"speaker":"Nick Lincoln","startTime":487.23,"endTime":489.84,"body":"have while they're earning"},{"speaker":"Nick Lincoln","startTime":489.84,"endTime":492.78,"body":"money. So I don't know. I mean,"},{"speaker":"Nick Lincoln","startTime":489.84,"endTime":492.78,"body":"the thing that piqued me was"},{"speaker":"Nick Lincoln","startTime":492.78,"endTime":496.68,"body":"this Mister Money Mustache,"},{"speaker":"Nick Lincoln","startTime":492.78,"endTime":496.68,"body":"chose to have one child, because"},{"speaker":"Nick Lincoln","startTime":496.68,"endTime":498.69,"body":"that's what he thought he could"},{"speaker":"Nick Lincoln","startTime":496.68,"endTime":498.69,"body":"afford. If he had more than that"},{"speaker":"Nick Lincoln","startTime":498.69,"endTime":502.53,"body":"it would ruin his retire early"},{"speaker":"Nick Lincoln","startTime":498.69,"endTime":502.53,"body":"plans. I'm thinking man, you've"},{"speaker":"Nick Lincoln","startTime":502.56,"endTime":504.99,"body":"you've got your act. To me."},{"speaker":"Nick Lincoln","startTime":502.56,"endTime":504.99,"body":"That's the value system that's"},{"speaker":"Nick Lincoln","startTime":504.99,"endTime":506.25,"body":"upside down. Anyway,"},{"speaker":"Andy Hart","startTime":506.28,"endTime":510.69,"body":"let's not say one"},{"speaker":"Andy Hart","startTime":506.28,"endTime":510.69,"body":"point on it, Nick. As a sort of"},{"speaker":"Andy Hart","startTime":510.69,"endTime":515.79,"body":"movement as a force. Their"},{"speaker":"Andy Hart","startTime":510.69,"endTime":515.79,"body":"conclusion is to invest in 100%"},{"speaker":"Andy Hart","startTime":515.79,"endTime":518.37,"body":"global equities, which I've"},{"speaker":"Andy Hart","startTime":515.79,"endTime":518.37,"body":"never seen that outcome from"},{"speaker":"Andy Hart","startTime":518.37,"endTime":522.21,"body":"anything else. So that's just"},{"speaker":"Andy Hart","startTime":518.37,"endTime":522.21,"body":"one enormous great point from"},{"speaker":"Andy Hart","startTime":522.21,"endTime":526.2,"body":"it. Yeah, I mean, it depends how"},{"speaker":"Andy Hart","startTime":522.21,"endTime":526.2,"body":"you use these principles and"},{"speaker":"Andy Hart","startTime":526.2,"endTime":528.81,"body":"balance it off. It's a bit of a"},{"speaker":"Andy Hart","startTime":526.2,"endTime":528.81,"body":"straw man argument to just go"},{"speaker":"Andy Hart","startTime":528.81,"endTime":533.76,"body":"after the extremes. And it's a"},{"speaker":"Andy Hart","startTime":528.81,"endTime":533.76,"body":"little bit insulting to think"},{"speaker":"Andy Hart","startTime":533.76,"endTime":536.88,"body":"that these people that are on"},{"speaker":"Andy Hart","startTime":533.76,"endTime":536.88,"body":"the fire journey do not enjoy"},{"speaker":"Andy Hart","startTime":537.03,"endTime":541.8,"body":"the now and spend money on"},{"speaker":"Andy Hart","startTime":537.03,"endTime":541.8,"body":"experiences. So it's a balancing"},{"speaker":"Andy Hart","startTime":541.8,"endTime":544.71,"body":"act. It's trade offs, it's like"},{"speaker":"Andy Hart","startTime":541.8,"endTime":544.71,"body":"everything in life but I think"},{"speaker":"Andy Hart","startTime":544.71,"endTime":548.61,"body":"the principles are sound you"},{"speaker":"Andy Hart","startTime":544.71,"endTime":548.61,"body":"know, control your expenses,"},{"speaker":"Andy Hart","startTime":548.61,"endTime":553.02,"body":"know what you're spending invest"},{"speaker":"Andy Hart","startTime":548.61,"endTime":553.02,"body":"in global equities, work out"},{"speaker":"Andy Hart","startTime":553.02,"endTime":556.17,"body":"what your number is, and then"},{"speaker":"Andy Hart","startTime":553.02,"endTime":556.17,"body":"live your life around it."},{"speaker":"Andy Hart","startTime":556.83,"endTime":559.86,"body":"Obviously taken an extreme of"},{"speaker":"Andy Hart","startTime":556.83,"endTime":559.86,"body":"I'm only having one child"},{"speaker":"Andy Hart","startTime":559.86,"endTime":561.93,"body":"because I'm doing the fire"},{"speaker":"Andy Hart","startTime":559.86,"endTime":561.93,"body":"movement obviously. Yeah, that's"},{"speaker":"Andy Hart","startTime":561.96,"endTime":565.23,"body":"That's not cool. But then there"},{"speaker":"Andy Hart","startTime":561.96,"endTime":565.23,"body":"are other people that do fat"},{"speaker":"Andy Hart","startTime":565.23,"endTime":568.17,"body":"fire they have lots of you know,"},{"speaker":"Andy Hart","startTime":565.23,"endTime":568.17,"body":"incredible amounts of income"},{"speaker":"Andy Hart","startTime":568.17,"endTime":571.2,"body":"coming in, but they just control"},{"speaker":"Andy Hart","startTime":568.17,"endTime":571.2,"body":"their expenses so it's like"},{"speaker":"Andy Hart","startTime":571.2,"endTime":573.21,"body":"everything here there's good"},{"speaker":"Andy Hart","startTime":571.2,"endTime":573.21,"body":"points and bad points with it,"},{"speaker":"Andy Hart","startTime":573.36,"endTime":577.65,"body":"but as a movement to promote"},{"speaker":"Andy Hart","startTime":573.36,"endTime":577.65,"body":"100% global equities we don't"},{"speaker":"Andy Hart","startTime":577.65,"endTime":580.17,"body":"see that anywhere so that's that"},{"speaker":"Andy Hart","startTime":577.65,"endTime":580.17,"body":"can only be commended."},{"speaker":"Carl Widger","startTime":581.039,"endTime":583.169,"body":"Did you did you"},{"speaker":"Carl Widger","startTime":581.039,"endTime":583.169,"body":"just say fat fire"},{"speaker":"Andy Hart","startTime":584.279,"endTime":585.989,"body":"Yeah, fire and but"},{"speaker":"Andy Hart","startTime":584.279,"endTime":585.989,"body":"fat"},{"speaker":"Alan Smith","startTime":585.99,"endTime":591.0,"body":"fire is basically"},{"speaker":"Alan Smith","startTime":585.99,"endTime":591.0,"body":"what we do. branded a name on"},{"speaker":"Alan Smith","startTime":591.0,"endTime":592.95,"body":"it. It's just it's just good"},{"speaker":"Alan Smith","startTime":591.0,"endTime":592.95,"body":"quality financial planning"},{"speaker":"Andy Hart","startTime":594.12,"endTime":596.85,"body":"terminology within"},{"speaker":"Andy Hart","startTime":594.12,"endTime":596.85,"body":"the within within the space"},{"speaker":"Andy Hart","startTime":596.88,"endTime":599.34,"body":"Yeah, but not making up"},{"speaker":"Andy Hart","startTime":596.88,"endTime":599.34,"body":"something myself. Yeah, but"},{"speaker":"Carl Widger","startTime":599.37,"endTime":601.35,"body":"but only what you"},{"speaker":"Carl Widger","startTime":599.37,"endTime":601.35,"body":"You've just described is exactly"},{"speaker":"Carl Widger","startTime":601.35,"endTime":604.11,"body":"what Alan said it's real"},{"speaker":"Carl Widger","startTime":601.35,"endTime":604.11,"body":"financial planning, but it real"},{"speaker":"Carl Widger","startTime":604.11,"endTime":604.47,"body":"financial."},{"speaker":"Andy Hart","startTime":605.58,"endTime":608.19,"body":"So so you're both"},{"speaker":"Andy Hart","startTime":605.58,"endTime":608.19,"body":"suppose so the principles of"},{"speaker":"Andy Hart","startTime":608.19,"endTime":611.82,"body":"fire are the same as what we"},{"speaker":"Andy Hart","startTime":608.19,"endTime":611.82,"body":"preach. Yeah, there's obviously"},{"speaker":"Andy Hart","startTime":611.82,"endTime":616.29,"body":"extremes to all of them. But the"},{"speaker":"Andy Hart","startTime":611.82,"endTime":616.29,"body":"principles are sound, control"},{"speaker":"Andy Hart","startTime":616.29,"endTime":620.16,"body":"your expenses, invest your"},{"speaker":"Andy Hart","startTime":616.29,"endTime":620.16,"body":"global equities, plan what your"},{"speaker":"Andy Hart","startTime":620.19,"endTime":623.64,"body":"number is, and then retired to"},{"speaker":"Andy Hart","startTime":620.19,"endTime":623.64,"body":"something that you like more,"},{"speaker":"Andy Hart","startTime":624.18,"endTime":626.4,"body":"you know, it's not retired to"},{"speaker":"Andy Hart","startTime":624.18,"endTime":626.4,"body":"nothing again, which is"},{"speaker":"Andy Hart","startTime":626.4,"endTime":628.86,"body":"something that that people talk"},{"speaker":"Andy Hart","startTime":626.4,"endTime":628.86,"body":"about. It's not retire to a"},{"speaker":"Andy Hart","startTime":628.86,"endTime":631.44,"body":"beach at 33, and do nothing for"},{"speaker":"Andy Hart","startTime":628.86,"endTime":631.44,"body":"the rest of your life and be"},{"speaker":"Andy Hart","startTime":631.44,"endTime":634.05,"body":"unproductive. But again, there"},{"speaker":"Andy Hart","startTime":631.44,"endTime":634.05,"body":"probably is one person that did"},{"speaker":"Andy Hart","startTime":634.05,"endTime":636.0,"body":"that. That's not all a fire."},{"speaker":"Carl Widger","startTime":636.81,"endTime":640.8,"body":"Well, if I could"},{"speaker":"Carl Widger","startTime":636.81,"endTime":640.8,"body":"just count her on that financial"},{"speaker":"Carl Widger","startTime":640.8,"endTime":646.47,"body":"independence retire early,"},{"speaker":"Carl Widger","startTime":640.8,"endTime":646.47,"body":"right. So for me, any of the"},{"speaker":"Carl Widger","startTime":646.53,"endTime":649.62,"body":"reading I've done on the fire"},{"speaker":"Carl Widger","startTime":646.53,"endTime":649.62,"body":"movement is exactly that. It's"},{"speaker":"Carl Widger","startTime":649.62,"endTime":653.55,"body":"about like, I'm gonna retire to"},{"speaker":"Carl Widger","startTime":649.62,"endTime":653.55,"body":"a beach and to just do nothing."},{"speaker":"Carl Widger","startTime":653.85,"endTime":656.58,"body":"So that's not what real"},{"speaker":"Carl Widger","startTime":653.85,"endTime":656.58,"body":"financial planning is about."},{"speaker":"Carl Widger","startTime":656.58,"endTime":662.13,"body":"It's about trying to, I suppose"},{"speaker":"Carl Widger","startTime":656.58,"endTime":662.13,"body":"get into the psyche of the"},{"speaker":"Carl Widger","startTime":662.13,"endTime":667.11,"body":"client to see, well, what does"},{"speaker":"Carl Widger","startTime":662.13,"endTime":667.11,"body":"pipe pipe does the third act as"},{"speaker":"Carl Widger","startTime":667.11,"endTime":670.11,"body":"they describe it? What does that"},{"speaker":"Carl Widger","startTime":667.11,"endTime":670.11,"body":"look like? What do you want to"},{"speaker":"Carl Widger","startTime":670.11,"endTime":675.33,"body":"do? And I don't know, look, I"},{"speaker":"Carl Widger","startTime":670.11,"endTime":675.33,"body":"think it'd be a pretty miserable"},{"speaker":"Carl Widger","startTime":675.33,"endTime":679.08,"body":"existence to sit in a beach,"},{"speaker":"Carl Widger","startTime":675.33,"endTime":679.08,"body":"just because you've been engaged"},{"speaker":"Carl Widger","startTime":679.08,"endTime":681.09,"body":"for 20 or 25 years, it"},{"speaker":"Andy Hart","startTime":681.09,"endTime":683.19,"body":"doesn't anyway,"},{"speaker":"Andy Hart","startTime":681.09,"endTime":683.19,"body":"doesn't happen, they might have"},{"speaker":"Andy Hart","startTime":683.19,"endTime":686.13,"body":"a couple of weeks, but that the"},{"speaker":"Andy Hart","startTime":683.19,"endTime":686.13,"body":"people I've come across in real"},{"speaker":"Andy Hart","startTime":686.13,"endTime":688.2,"body":"life, that doing foreign"},{"speaker":"Andy Hart","startTime":686.13,"endTime":688.2,"body":"practicing, that are often"},{"speaker":"Andy Hart","startTime":688.65,"endTime":691.17,"body":"giving up work, once they hit"},{"speaker":"Andy Hart","startTime":688.65,"endTime":691.17,"body":"their number two, do something"},{"speaker":"Andy Hart","startTime":691.17,"endTime":693.48,"body":"that they're more way more"},{"speaker":"Andy Hart","startTime":691.17,"endTime":693.48,"body":"passionate about. So they're"},{"speaker":"Andy Hart","startTime":693.48,"endTime":696.24,"body":"adding more good to the world,"},{"speaker":"Andy Hart","startTime":693.48,"endTime":696.24,"body":"once they've, you know, tick,"},{"speaker":"Andy Hart","startTime":696.24,"endTime":699.6,"body":"the finance of the number game."},{"speaker":"Andy Hart","startTime":696.24,"endTime":699.6,"body":"This is real people I've worked"},{"speaker":"Andy Hart","startTime":699.6,"endTime":699.81,"body":"with."},{"speaker":"Carl Widger","startTime":700.439,"endTime":702.539,"body":"And this is and the"},{"speaker":"Carl Widger","startTime":700.439,"endTime":702.539,"body":"reason you've come across them"},{"speaker":"Carl Widger","startTime":702.569,"endTime":704.819,"body":"is because you're working with"},{"speaker":"Carl Widger","startTime":702.569,"endTime":704.819,"body":"them to do real financial"},{"speaker":"Carl Widger","startTime":704.819,"endTime":707.429,"body":"planning. And that's massively"},{"speaker":"Carl Widger","startTime":704.819,"endTime":707.429,"body":"different than the fire"},{"speaker":"Carl Widger","startTime":707.429,"endTime":712.169,"body":"movement. And I get it that"},{"speaker":"Carl Widger","startTime":707.429,"endTime":712.169,"body":"there are extremes. But, you"},{"speaker":"Carl Widger","startTime":712.169,"endTime":717.059,"body":"know, putting off the this is my"},{"speaker":"Carl Widger","startTime":712.169,"endTime":717.059,"body":"whole premise here is this is a"},{"speaker":"Carl Widger","startTime":717.059,"endTime":719.939,"body":"journey that we're all on. And"},{"speaker":"Carl Widger","startTime":717.059,"endTime":719.939,"body":"you've got to try and enjoy the"},{"speaker":"Carl Widger","startTime":719.939,"endTime":724.769,"body":"journey because it's not 100%"},{"speaker":"Carl Widger","startTime":719.939,"endTime":724.769,"body":"it's not a rehearsal and always"},{"speaker":"Carl Widger","startTime":724.889,"endTime":729.089,"body":"thinking I will be happy when it"},{"speaker":"Carl Widger","startTime":724.889,"endTime":729.089,"body":"does not work. It does not."},{"speaker":"Nick Lincoln","startTime":729.93,"endTime":733.14,"body":"That's correct."},{"speaker":"Nick Lincoln","startTime":729.93,"endTime":733.14,"body":"That's correct. Okay, okay. That"},{"speaker":"Nick Lincoln","startTime":733.14,"endTime":735.3,"body":"was very good. And that's what I"},{"speaker":"Nick Lincoln","startTime":733.14,"endTime":735.3,"body":"do. We had enough tension there."},{"speaker":"Nick Lincoln","startTime":735.3,"endTime":737.85,"body":"But we're still in love with"},{"speaker":"Nick Lincoln","startTime":735.3,"endTime":737.85,"body":"each other liking this liking"},{"speaker":"Nick Lincoln","startTime":737.85,"endTime":740.16,"body":"this very much. Okay, the next"},{"speaker":"Nick Lincoln","startTime":737.85,"endTime":740.16,"body":"topical tip, right? Well, this"},{"speaker":"Nick Lincoln","startTime":740.16,"endTime":743.46,"body":"is we could we could there must"},{"speaker":"Nick Lincoln","startTime":740.16,"endTime":743.46,"body":"be a I think there's almost an"},{"speaker":"Nick Lincoln","startTime":743.46,"endTime":746.4,"body":"endless supply are these these"},{"speaker":"Nick Lincoln","startTime":743.46,"endTime":746.4,"body":"tidbits that the so called"},{"speaker":"Nick Lincoln","startTime":746.4,"endTime":750.03,"body":"experts throw out but I just saw"},{"speaker":"Nick Lincoln","startTime":746.4,"endTime":750.03,"body":"something from Morgan Stanley,"},{"speaker":"Nick Lincoln","startTime":750.81,"endTime":753.84,"body":"that Morgan Stanley put out on"},{"speaker":"Nick Lincoln","startTime":750.81,"endTime":753.84,"body":"the 19th of December 2022."},{"speaker":"Nick Lincoln","startTime":753.84,"endTime":757.23,"body":"Basically, their predictions for"},{"speaker":"Nick Lincoln","startTime":753.84,"endTime":757.23,"body":"the s\u0026p for last year for 2023."},{"speaker":"Nick Lincoln","startTime":757.56,"endTime":759.66,"body":"I'll read out the opening"},{"speaker":"Nick Lincoln","startTime":757.56,"endTime":759.66,"body":"paragraph and then we'll we can"},{"speaker":"Nick Lincoln","startTime":759.66,"endTime":761.76,"body":"move on. But there's a link to"},{"speaker":"Nick Lincoln","startTime":759.66,"endTime":761.76,"body":"this in the so called show"},{"speaker":"Nick Lincoln","startTime":761.76,"endTime":764.37,"body":"notes. And if an advisor, I"},{"speaker":"Nick Lincoln","startTime":761.76,"endTime":764.37,"body":"would suggest this is the kind"},{"speaker":"Nick Lincoln","startTime":764.37,"endTime":766.5,"body":"of content you want to be"},{"speaker":"Nick Lincoln","startTime":764.37,"endTime":766.5,"body":"putting on your clients noses"},{"speaker":"Nick Lincoln","startTime":766.71,"endTime":770.61,"body":"and say, This is what I protect"},{"speaker":"Nick Lincoln","startTime":766.71,"endTime":770.61,"body":"you from. So it starts US"},{"speaker":"Nick Lincoln","startTime":770.61,"endTime":773.31,"body":"equities are set for their worst"},{"speaker":"Nick Lincoln","startTime":770.61,"endTime":773.31,"body":"year since the global financial"},{"speaker":"Nick Lincoln","startTime":773.31,"endTime":776.19,"body":"crisis. And according to Morgan"},{"speaker":"Nick Lincoln","startTime":773.31,"endTime":776.19,"body":"Stanley strategist, Michael"},{"speaker":"Nick Lincoln","startTime":776.19,"endTime":780.63,"body":"Wilson, Your mother must be"},{"speaker":"Nick Lincoln","startTime":776.19,"endTime":780.63,"body":"proud Michael, corporate profits"},{"speaker":"Nick Lincoln","startTime":780.66,"endTime":784.2,"body":"are about to meet the same fate."},{"speaker":"Nick Lincoln","startTime":780.66,"endTime":784.2,"body":"Well, and in the same article,"},{"speaker":"Nick Lincoln","startTime":784.2,"endTime":787.53,"body":"apparently the the s\u0026p was due"},{"speaker":"Nick Lincoln","startTime":784.2,"endTime":787.53,"body":"to go down to as low as 3000."},{"speaker":"Nick Lincoln","startTime":787.59,"endTime":789.84,"body":"Well, we know what happened in"},{"speaker":"Nick Lincoln","startTime":787.59,"endTime":789.84,"body":"2023. Don't worry, dear"},{"speaker":"Nick Lincoln","startTime":789.84,"endTime":794.04,"body":"Trappists. Another example of"},{"speaker":"Nick Lincoln","startTime":789.84,"endTime":794.04,"body":"the dangers of the dying legacy"},{"speaker":"Nick Lincoln","startTime":794.04,"endTime":798.18,"body":"media, and its pernicious effect"},{"speaker":"Nick Lincoln","startTime":794.04,"endTime":798.18,"body":"on our clients and the culture"},{"speaker":"Nick Lincoln","startTime":798.18,"endTime":799.59,"body":"it creates Mr. Hart,"},{"speaker":"Andy Hart","startTime":800.07,"endTime":801.84,"body":"this is very much for"},{"speaker":"Andy Hart","startTime":800.07,"endTime":801.84,"body":"you, isn't it? Nick, everyone"},{"speaker":"Andy Hart","startTime":801.84,"endTime":803.88,"body":"else is looking at the"},{"speaker":"Andy Hart","startTime":801.84,"endTime":803.88,"body":"predictions for the following a"},{"speaker":"Andy Hart","startTime":803.88,"endTime":806.82,"body":"year you go back to the previous"},{"speaker":"Andy Hart","startTime":803.88,"endTime":806.82,"body":"year just prove our wrongly I"},{"speaker":"Andy Hart","startTime":806.82,"endTime":810.81,"body":"which I like which is which is"},{"speaker":"Andy Hart","startTime":806.82,"endTime":810.81,"body":"very interesting. That forever"},{"speaker":"Andy Hart","startTime":810.81,"endTime":812.19,"body":"on you, you're gonna be doing"},{"speaker":"Andy Hart","startTime":810.81,"endTime":812.19,"body":"that forever."},{"speaker":"Nick Lincoln","startTime":812.519,"endTime":814.319,"body":"Once a decade,"},{"speaker":"Nick Lincoln","startTime":812.519,"endTime":814.319,"body":"these people get it right, don't"},{"speaker":"Nick Lincoln","startTime":814.319,"endTime":816.839,"body":"they? And then and then they"},{"speaker":"Nick Lincoln","startTime":814.319,"endTime":816.839,"body":"just crow on about it. It's like"},{"speaker":"Nick Lincoln","startTime":816.839,"endTime":816.989,"body":"no,"},{"speaker":"Andy Hart","startTime":816.99,"endTime":822.21,"body":"hold on. This is like"},{"speaker":"Andy Hart","startTime":816.99,"endTime":822.21,"body":"a, like an amber system. Like"},{"speaker":"Andy Hart","startTime":822.21,"endTime":825.48,"body":"last year, it was definitely"},{"speaker":"Andy Hart","startTime":822.21,"endTime":825.48,"body":"read like this, it might be AMA,"},{"speaker":"Andy Hart","startTime":825.48,"endTime":827.46,"body":"they might actually hit green"},{"speaker":"Andy Hart","startTime":825.48,"endTime":827.46,"body":"one at one point."},{"speaker":"Alan Smith","startTime":828.09,"endTime":829.62,"body":"But I think that's"},{"speaker":"Alan Smith","startTime":828.09,"endTime":829.62,"body":"that's that's the point. And"},{"speaker":"Alan Smith","startTime":829.62,"endTime":834.33,"body":"I'll sort of just shoehorn my"},{"speaker":"Alan Smith","startTime":829.62,"endTime":834.33,"body":"travel tip in here. Now, it's an"},{"speaker":"Alan Smith","startTime":834.33,"endTime":838.23,"body":"appropriate juncture. Because I"},{"speaker":"Alan Smith","startTime":834.33,"endTime":838.23,"body":"do the same as the last couple"},{"speaker":"Alan Smith","startTime":838.23,"endTime":844.2,"body":"of years. I've become a bit more"},{"speaker":"Alan Smith","startTime":838.23,"endTime":844.2,"body":"Nick like, and I've, when I see"},{"speaker":"Alan Smith","startTime":844.2,"endTime":846.72,"body":"all these predictions, I just"},{"speaker":"Alan Smith","startTime":844.2,"endTime":846.72,"body":"save I save them a thing, I'll"},{"speaker":"Alan Smith","startTime":846.72,"endTime":849.78,"body":"just check. I've only done a"},{"speaker":"Alan Smith","startTime":846.72,"endTime":849.78,"body":"couple of years and every time"},{"speaker":"Alan Smith","startTime":849.78,"endTime":853.26,"body":"they are so wildly wrong. So I"},{"speaker":"Alan Smith","startTime":849.78,"endTime":853.26,"body":"posted something on LinkedIn"},{"speaker":"Alan Smith","startTime":853.26,"endTime":857.28,"body":"just before. Before just for the"},{"speaker":"Alan Smith","startTime":853.26,"endTime":857.28,"body":"year, on the last day of the"},{"speaker":"Alan Smith","startTime":857.28,"endTime":860.67,"body":"year, I think it was the 31st or"},{"speaker":"Alan Smith","startTime":857.28,"endTime":860.67,"body":"the last trading day, the year"},{"speaker":"Alan Smith","startTime":860.67,"endTime":864.51,"body":"whatever that was 29th or"},{"speaker":"Alan Smith","startTime":860.67,"endTime":864.51,"body":"something of December. And it"},{"speaker":"Alan Smith","startTime":864.51,"endTime":868.02,"body":"was not just Morgan Stanley, it"},{"speaker":"Alan Smith","startTime":864.51,"endTime":868.02,"body":"was all the big banks,"},{"speaker":"Alan Smith","startTime":868.35,"endTime":871.14,"body":"investment banks who do most of"},{"speaker":"Alan Smith","startTime":868.35,"endTime":871.14,"body":"them and why they do this, I"},{"speaker":"Alan Smith","startTime":871.14,"endTime":873.9,"body":"guess the customers or clients"},{"speaker":"Alan Smith","startTime":871.14,"endTime":873.9,"body":"want them to do it. But they are"},{"speaker":"Alan Smith","startTime":874.08,"endTime":877.68,"body":"expected to give a prediction"},{"speaker":"Alan Smith","startTime":874.08,"endTime":877.68,"body":"for where the s\u0026p will be by the"},{"speaker":"Alan Smith","startTime":877.68,"endTime":882.9,"body":"end of the trading year. And you"},{"speaker":"Alan Smith","startTime":877.68,"endTime":882.9,"body":"name them all the big guns all"},{"speaker":"Alan Smith","startTime":882.9,"endTime":885.09,"body":"the names, they Barclays The"},{"speaker":"Alan Smith","startTime":882.9,"endTime":885.09,"body":"thing was the worst there were"},{"speaker":"Alan Smith","startTime":885.09,"endTime":889.83,"body":"just so they predicted 3700 So"},{"speaker":"Alan Smith","startTime":885.09,"endTime":889.83,"body":"that were just so wildly out and"},{"speaker":"Alan Smith","startTime":889.83,"endTime":892.38,"body":"loads of them, which is so"},{"speaker":"Alan Smith","startTime":889.83,"endTime":892.38,"body":"wildly out. So what was"},{"speaker":"Alan Smith","startTime":892.38,"endTime":895.5,"body":"interesting, so I posted that"},{"speaker":"Alan Smith","startTime":892.38,"endTime":895.5,"body":"kind of benign comment just as"},{"speaker":"Alan Smith","startTime":895.5,"endTime":897.99,"body":"we're wrapping up for the year"},{"speaker":"Alan Smith","startTime":895.5,"endTime":897.99,"body":"end. I thought well, that's just"},{"speaker":"Alan Smith","startTime":898.05,"endTime":900.99,"body":"interesting that the point is"},{"speaker":"Alan Smith","startTime":898.05,"endTime":900.99,"body":"not really to have go at them."},{"speaker":"Alan Smith","startTime":900.99,"endTime":905.37,"body":"But you think, with the armies"},{"speaker":"Alan Smith","startTime":900.99,"endTime":905.37,"body":"of economists and PhDs, and"},{"speaker":"Alan Smith","startTime":905.91,"endTime":910.02,"body":"whatever they call all this sort"},{"speaker":"Alan Smith","startTime":905.91,"endTime":910.02,"body":"of complex experts that these"},{"speaker":"Alan Smith","startTime":910.02,"endTime":912.78,"body":"organizations have got, and they"},{"speaker":"Alan Smith","startTime":910.02,"endTime":912.78,"body":"weren't, it wasn't as if they"},{"speaker":"Alan Smith","startTime":912.78,"endTime":915.69,"body":"were just a little bit out, they"},{"speaker":"Alan Smith","startTime":912.78,"endTime":915.69,"body":"were just wildly out, you could"},{"speaker":"Alan Smith","startTime":915.69,"endTime":919.8,"body":"not be more wrong if you tried."},{"speaker":"Alan Smith","startTime":915.69,"endTime":919.8,"body":"So I posted that and it just"},{"speaker":"Alan Smith","startTime":919.8,"endTime":923.07,"body":"took off. It's it went viral as"},{"speaker":"Alan Smith","startTime":919.8,"endTime":923.07,"body":"the cool kids say, because I"},{"speaker":"Alan Smith","startTime":923.07,"endTime":926.13,"body":"think it's about half a million"},{"speaker":"Alan Smith","startTime":923.07,"endTime":926.13,"body":"engagements on the whole thing,"},{"speaker":"Alan Smith","startTime":926.13,"endTime":928.92,"body":"and then you had loads of other"},{"speaker":"Alan Smith","startTime":926.13,"endTime":928.92,"body":"people piling on and everyone's"},{"speaker":"Alan Smith","startTime":928.92,"endTime":932.22,"body":"got their opinion on this, I'd"},{"speaker":"Alan Smith","startTime":928.92,"endTime":932.22,"body":"have to say it and no names"},{"speaker":"Alan Smith","startTime":932.22,"endTime":935.19,"body":"mentioned. But back to the point"},{"speaker":"Alan Smith","startTime":932.22,"endTime":935.19,"body":"and maybe something that you're"},{"speaker":"Alan Smith","startTime":935.19,"endTime":937.35,"body":"going to talk about, we"},{"speaker":"Alan Smith","startTime":935.19,"endTime":937.35,"body":"certainly come back to this"},{"speaker":"Alan Smith","startTime":937.35,"endTime":940.17,"body":"every time and one of the"},{"speaker":"Alan Smith","startTime":937.35,"endTime":940.17,"body":"reasons that we're all likely to"},{"speaker":"Alan Smith","startTime":940.17,"endTime":943.5,"body":"be in gainful employment for the"},{"speaker":"Alan Smith","startTime":940.17,"endTime":943.5,"body":"next few years, at least because"},{"speaker":"Alan Smith","startTime":943.83,"endTime":947.13,"body":"it keeps coming up. So I post"},{"speaker":"Alan Smith","startTime":943.83,"endTime":947.13,"body":"that and it's it is just about"},{"speaker":"Alan Smith","startTime":947.13,"endTime":950.04,"body":"the s\u0026p, but let's face it, the"},{"speaker":"Alan Smith","startTime":947.13,"endTime":950.04,"body":"s\u0026p is the biggest, it"},{"speaker":"Alan Smith","startTime":950.04,"endTime":953.79,"body":"represents most of kind of human"},{"speaker":"Alan Smith","startTime":950.04,"endTime":953.79,"body":"ingenuity, 500 of the biggest,"},{"speaker":"Alan Smith","startTime":953.79,"endTime":957.66,"body":"most successful companies in the"},{"speaker":"Alan Smith","startTime":953.79,"endTime":957.66,"body":"world. So it is it is"},{"speaker":"Alan Smith","startTime":957.66,"endTime":962.13,"body":"representative. And and somebody"},{"speaker":"Alan Smith","startTime":957.66,"endTime":962.13,"body":"piled it after that and says"},{"speaker":"Alan Smith","startTime":962.13,"endTime":966.06,"body":"yes, but what if clients are"},{"speaker":"Alan Smith","startTime":962.13,"endTime":966.06,"body":"happy with cash returns? And"},{"speaker":"Alan Smith","startTime":966.06,"endTime":968.79,"body":"you're quoting, like a US dollar"},{"speaker":"Alan Smith","startTime":966.06,"endTime":968.79,"body":"denominated account or"},{"speaker":"Alan Smith","startTime":968.79,"endTime":971.1,"body":"something? And I just thought, I"},{"speaker":"Alan Smith","startTime":968.79,"endTime":971.1,"body":"didn't reply to you, there's"},{"speaker":"Alan Smith","startTime":971.1,"endTime":974.25,"body":"just too much wrong with the"},{"speaker":"Alan Smith","startTime":971.1,"endTime":974.25,"body":"statement of thought, what if"},{"speaker":"Alan Smith","startTime":974.25,"endTime":978.6,"body":"clients are quite happy with"},{"speaker":"Alan Smith","startTime":974.25,"endTime":978.6,"body":"cash returns? And I don't know"},{"speaker":"Alan Smith","startTime":978.6,"endTime":981.03,"body":"where to go with that one,"},{"speaker":"Alan Smith","startTime":978.6,"endTime":981.03,"body":"because they pack in that way."},{"speaker":"Alan Smith","startTime":981.93,"endTime":983.91,"body":"And also about dollar"},{"speaker":"Alan Smith","startTime":981.93,"endTime":983.91,"body":"denomination and stuff like that"},{"speaker":"Alan Smith","startTime":983.91,"endTime":988.29,"body":"this is and to say things that"},{"speaker":"Alan Smith","startTime":983.91,"endTime":988.29,"body":"that just again, unfortunately,"},{"speaker":"Alan Smith","startTime":988.29,"endTime":990.48,"body":"and we've commented and things"},{"speaker":"Alan Smith","startTime":988.29,"endTime":990.48,"body":"like this in the past and other"},{"speaker":"Alan Smith","startTime":990.48,"endTime":992.55,"body":"sort of well known journalist"},{"speaker":"Alan Smith","startTime":990.48,"endTime":992.55,"body":"who have said same sort of"},{"speaker":"Alan Smith","startTime":992.55,"endTime":996.36,"body":"things that, what have you. And"},{"speaker":"Alan Smith","startTime":992.55,"endTime":996.36,"body":"I think the person said, I think"},{"speaker":"Alan Smith","startTime":996.36,"endTime":999.3,"body":"it's the same comment. If it's"},{"speaker":"Alan Smith","startTime":996.36,"endTime":999.3,"body":"not, it might be a blend of a"},{"speaker":"Alan Smith","startTime":999.3,"endTime":1002.45,"body":"couple of others. But what if"},{"speaker":"Alan Smith","startTime":999.3,"endTime":1002.45,"body":"the client is taking income,"},{"speaker":"Alan Smith","startTime":1002.45,"endTime":1006.02,"body":"inflation is at 10%, and they're"},{"speaker":"Alan Smith","startTime":1002.45,"endTime":1006.02,"body":"taking income at 5% from it,"},{"speaker":"Alan Smith","startTime":1007.01,"endTime":1010.52,"body":"that's going to be a disaster,"},{"speaker":"Alan Smith","startTime":1007.01,"endTime":1010.52,"body":"from what the market went down."},{"speaker":"Alan Smith","startTime":1011.06,"endTime":1014.48,"body":"And to say things like that is"},{"speaker":"Alan Smith","startTime":1011.06,"endTime":1014.48,"body":"another example of someone who"},{"speaker":"Alan Smith","startTime":1014.48,"endTime":1017.45,"body":"doesn't understand the"},{"speaker":"Alan Smith","startTime":1014.48,"endTime":1017.45,"body":"fundamentals of real financial"},{"speaker":"Alan Smith","startTime":1017.45,"endTime":1020.33,"body":"planning. And I'm sorry to keep"},{"speaker":"Alan Smith","startTime":1017.45,"endTime":1020.33,"body":"harping on about this. And then"},{"speaker":"Alan Smith","startTime":1020.33,"endTime":1022.61,"body":"we started like a sort of broken"},{"speaker":"Alan Smith","startTime":1020.33,"endTime":1022.61,"body":"broken records keep going on"},{"speaker":"Alan Smith","startTime":1022.61,"endTime":1025.34,"body":"about it. But this is like a"},{"speaker":"Alan Smith","startTime":1022.61,"endTime":1025.34,"body":"couple of days ago that this"},{"speaker":"Alan Smith","startTime":1025.34,"endTime":1027.65,"body":"happened keeps happening. If"},{"speaker":"Alan Smith","startTime":1025.34,"endTime":1027.65,"body":"something from what would appear"},{"speaker":"Alan Smith","startTime":1027.65,"endTime":1031.07,"body":"to be then I don't want this is"},{"speaker":"Alan Smith","startTime":1027.65,"endTime":1031.07,"body":"not personal at all. Everyone's"},{"speaker":"Alan Smith","startTime":1031.07,"endTime":1032.78,"body":"got their own opinions."},{"speaker":"Alan Smith","startTime":1031.07,"endTime":1032.78,"body":"Everyone's got their own views."},{"speaker":"Alan Smith","startTime":1032.78,"endTime":1036.38,"body":"But there's a basic fundamental"},{"speaker":"Alan Smith","startTime":1032.78,"endTime":1036.38,"body":"misunderstanding of the work"},{"speaker":"Alan Smith","startTime":1036.5,"endTime":1038.69,"body":"that we do. It was incredible."},{"speaker":"Andy Hart","startTime":1039.44,"endTime":1041.57,"body":"I wouldn't say"},{"speaker":"Andy Hart","startTime":1039.44,"endTime":1041.57,"body":"financial planning Mellon, I'd"},{"speaker":"Andy Hart","startTime":1041.57,"endTime":1045.14,"body":"say investing, you know, this"},{"speaker":"Andy Hart","startTime":1041.57,"endTime":1045.14,"body":"individual, I know who they were"},{"speaker":"Andy Hart","startTime":1045.65,"endTime":1050.36,"body":"highly qualified, spent hundreds"},{"speaker":"Andy Hart","startTime":1045.65,"endTime":1050.36,"body":"of hours in this space 1000s of"},{"speaker":"Andy Hart","startTime":1050.36,"endTime":1053.57,"body":"hours with clients and publicly"},{"speaker":"Andy Hart","startTime":1050.36,"endTime":1053.57,"body":"confirming that they are"},{"speaker":"Andy Hart","startTime":1053.6,"endTime":1056.99,"body":"investing illiterate. I love it."},{"speaker":"Andy Hart","startTime":1053.6,"endTime":1056.99,"body":"It's absolutely brilliant. But"},{"speaker":"Andy Hart","startTime":1056.99,"endTime":1060.83,"body":"it's mind blowing that someone"},{"speaker":"Andy Hart","startTime":1056.99,"endTime":1060.83,"body":"can spend that long doing their"},{"speaker":"Andy Hart","startTime":1060.83,"endTime":1064.25,"body":"trade, and still have not a clue"},{"speaker":"Andy Hart","startTime":1060.83,"endTime":1064.25,"body":"what on earth they're actually"},{"speaker":"Andy Hart","startTime":1064.25,"endTime":1068.06,"body":"meant to be doing. It's"},{"speaker":"Andy Hart","startTime":1064.25,"endTime":1068.06,"body":"beautiful, but it's insane. So"},{"speaker":"Andy Hart","startTime":1068.06,"endTime":1070.34,"body":"that even the professionals have"},{"speaker":"Andy Hart","startTime":1068.06,"endTime":1070.34,"body":"no idea what they're doing, let"},{"speaker":"Andy Hart","startTime":1070.34,"endTime":1075.95,"body":"alone end clients that are just"},{"speaker":"Andy Hart","startTime":1070.34,"endTime":1075.95,"body":"bombarded with complete and"},{"speaker":"Andy Hart","startTime":1075.95,"endTime":1080.84,"body":"utter, you know, BS from usually"},{"speaker":"Andy Hart","startTime":1075.95,"endTime":1080.84,"body":"young broke journalists that"},{"speaker":"Andy Hart","startTime":1080.84,"endTime":1084.74,"body":"also were investing illiterates."},{"speaker":"Andy Hart","startTime":1080.84,"endTime":1084.74,"body":"But hey, ho, as you say, will"},{"speaker":"Andy Hart","startTime":1084.74,"endTime":1086.03,"body":"still be in gainful employment."},{"speaker":"Nick Lincoln","startTime":1087.109,"endTime":1090.739,"body":"Okay, okay. And"},{"speaker":"Nick Lincoln","startTime":1087.109,"endTime":1090.739,"body":"slightly slightly, leading from"},{"speaker":"Nick Lincoln","startTime":1090.739,"endTime":1092.959,"body":"that my next topic, because it"},{"speaker":"Nick Lincoln","startTime":1090.739,"endTime":1092.959,"body":"was a very quick one I've just"},{"speaker":"Nick Lincoln","startTime":1092.989,"endTime":1095.449,"body":"had, everybody. Well, I'll talk"},{"speaker":"Nick Lincoln","startTime":1092.989,"endTime":1095.449,"body":"about that. She's in the meat"},{"speaker":"Nick Lincoln","startTime":1095.449,"endTime":1100.099,"body":"potatoes. But I had, I've taken"},{"speaker":"Nick Lincoln","startTime":1095.449,"endTime":1100.099,"body":"on board a new a new client"},{"speaker":"Nick Lincoln","startTime":1100.099,"endTime":1102.109,"body":"found that at the very tail end"},{"speaker":"Nick Lincoln","startTime":1100.099,"endTime":1102.109,"body":"of last year, had the discovery"},{"speaker":"Nick Lincoln","startTime":1102.109,"endTime":1104.899,"body":"meeting on a Monday had the"},{"speaker":"Nick Lincoln","startTime":1102.109,"endTime":1104.899,"body":"planning meeting on a Tuesday"},{"speaker":"Nick Lincoln","startTime":1104.899,"endTime":1106.849,"body":"and at the planning meeting,"},{"speaker":"Nick Lincoln","startTime":1104.899,"endTime":1106.849,"body":"they said yes, we want to come"},{"speaker":"Nick Lincoln","startTime":1106.849,"endTime":1109.399,"body":"on board. So effectively, they"},{"speaker":"Nick Lincoln","startTime":1106.849,"endTime":1109.399,"body":"were they were, the whole loop"},{"speaker":"Nick Lincoln","startTime":1109.399,"endTime":1112.849,"body":"took 48 hours, which I was,"},{"speaker":"Nick Lincoln","startTime":1109.399,"endTime":1112.849,"body":"which I was happy with, of"},{"speaker":"Nick Lincoln","startTime":1112.849,"endTime":1117.709,"body":"course, this client born in"},{"speaker":"Nick Lincoln","startTime":1112.849,"endTime":1117.709,"body":"1980. So that makes him 43. And"},{"speaker":"Nick Lincoln","startTime":1117.709,"endTime":1122.059,"body":"he is a high flyer he works he"},{"speaker":"Nick Lincoln","startTime":1117.709,"endTime":1122.059,"body":"worked for BT and he's in that"},{"speaker":"Nick Lincoln","startTime":1122.059,"endTime":1124.609,"body":"he wasn't the b He is and the BT"},{"speaker":"Nick Lincoln","startTime":1122.059,"endTime":1124.609,"body":"group personal pension scheme."},{"speaker":"Nick Lincoln","startTime":1125.599,"endTime":1129.619,"body":"Uber bright guy Ultra driven"},{"speaker":"Nick Lincoln","startTime":1125.599,"endTime":1129.619,"body":"really nice, a delegator perfect"},{"speaker":"Nick Lincoln","startTime":1129.619,"endTime":1134.209,"body":"with a half million pounds in"},{"speaker":"Nick Lincoln","startTime":1129.619,"endTime":1134.209,"body":"his in his pension pot. And you"},{"speaker":"Nick Lincoln","startTime":1134.209,"endTime":1137.149,"body":"know, before I do the thing of"},{"speaker":"Nick Lincoln","startTime":1134.209,"endTime":1137.149,"body":"probably because obviously each"},{"speaker":"Nick Lincoln","startTime":1137.149,"endTime":1139.999,"body":"client is different. But before"},{"speaker":"Nick Lincoln","startTime":1137.149,"endTime":1139.999,"body":"I shoehorn him onto my preferred"},{"speaker":"Nick Lincoln","startTime":1139.999,"endTime":1142.789,"body":"platform, I have to look at the"},{"speaker":"Nick Lincoln","startTime":1139.999,"endTime":1142.789,"body":"his existing arrangements with"},{"speaker":"Nick Lincoln","startTime":1142.789,"endTime":1147.049,"body":"the XYZ insurance company. And"},{"speaker":"Nick Lincoln","startTime":1142.789,"endTime":1147.049,"body":"he's got a very cheap scheme"},{"speaker":"Nick Lincoln","startTime":1147.049,"endTime":1148.819,"body":"because it's the BT pension"},{"speaker":"Nick Lincoln","startTime":1147.049,"endTime":1148.819,"body":"scheme. And obviously, group"},{"speaker":"Nick Lincoln","startTime":1148.819,"endTime":1151.699,"body":"pension schemes do get these"},{"speaker":"Nick Lincoln","startTime":1148.819,"endTime":1151.699,"body":"discounts. So I've got to be"},{"speaker":"Nick Lincoln","startTime":1151.699,"endTime":1154.309,"body":"cognizant of that. And the"},{"speaker":"Nick Lincoln","startTime":1151.699,"endTime":1154.309,"body":"platform that I might move him"},{"speaker":"Nick Lincoln","startTime":1154.309,"endTime":1157.909,"body":"and his family on to are going"},{"speaker":"Nick Lincoln","startTime":1154.309,"endTime":1157.909,"body":"to be maybe 30 bits more a year."},{"speaker":"Nick Lincoln","startTime":1158.929,"endTime":1163.219,"body":"But this is where the whole"},{"speaker":"Nick Lincoln","startTime":1158.929,"endTime":1163.219,"body":"asset allocation or the Miss"},{"speaker":"Nick Lincoln","startTime":1163.459,"endTime":1168.469,"body":"asset allocation thing is just"},{"speaker":"Nick Lincoln","startTime":1163.459,"endTime":1168.469,"body":"so incredible. This guy has for"},{"speaker":"Nick Lincoln","startTime":1168.469,"endTime":1173.989,"body":"the last 10 years or so had his"},{"speaker":"Nick Lincoln","startTime":1168.469,"endTime":1173.989,"body":"pension fund in a used in an"},{"speaker":"Nick Lincoln","startTime":1173.989,"endTime":1178.249,"body":"insurance company fund cat"},{"speaker":"Nick Lincoln","startTime":1173.989,"endTime":1178.249,"body":"equity exposure at 60%. Six"},{"speaker":"Nick Lincoln","startTime":1178.249,"endTime":1183.289,"body":"zero, basically over 10 years"},{"speaker":"Nick Lincoln","startTime":1178.249,"endTime":1183.289,"body":"that fund has trailed inflation."},{"speaker":"Nick Lincoln","startTime":1183.589,"endTime":1188.449,"body":"It's just staggering. It's a he"},{"speaker":"Nick Lincoln","startTime":1183.589,"endTime":1188.449,"body":"he has lost money in real terms"},{"speaker":"Nick Lincoln","startTime":1188.449,"endTime":1192.229,"body":"over 10 years and he's in a fund"},{"speaker":"Nick Lincoln","startTime":1188.449,"endTime":1192.229,"body":"that's kept equities or 60%."},{"speaker":"Nick Lincoln","startTime":1192.229,"endTime":1196.189,"body":"He's 43. The Cash Flow indicates"},{"speaker":"Nick Lincoln","startTime":1192.229,"endTime":1196.189,"body":"that his pension fund is likely"},{"speaker":"Nick Lincoln","startTime":1196.189,"endTime":1199.429,"body":"to remain invested for the rest"},{"speaker":"Nick Lincoln","startTime":1196.189,"endTime":1199.429,"body":"of his life. And here we are"},{"speaker":"Nick Lincoln","startTime":1199.429,"endTime":1202.699,"body":"worrying about Oh my god, this"},{"speaker":"Nick Lincoln","startTime":1199.429,"endTime":1202.699,"body":"this platform is 28 bits more"},{"speaker":"Nick Lincoln","startTime":1202.699,"endTime":1205.909,"body":"expensive than than just the"},{"speaker":"Nick Lincoln","startTime":1202.699,"endTime":1205.909,"body":"value we can add by encouraging"},{"speaker":"Nick Lincoln","startTime":1205.909,"endTime":1208.039,"body":"clients to go into the great"},{"speaker":"Nick Lincoln","startTime":1205.909,"endTime":1208.039,"body":"companies the world and just"},{"speaker":"Nick Lincoln","startTime":1208.279,"endTime":1211.279,"body":"just just just hold their nerve"},{"speaker":"Nick Lincoln","startTime":1208.279,"endTime":1211.279,"body":"through the temporary declines."},{"speaker":"Nick Lincoln","startTime":1211.999,"endTime":1214.909,"body":"It knocks everything else into a"},{"speaker":"Nick Lincoln","startTime":1211.999,"endTime":1214.909,"body":"cocked hat. So I just what I"},{"speaker":"Nick Lincoln","startTime":1214.909,"endTime":1216.469,"body":"haven't done with this client"},{"speaker":"Nick Lincoln","startTime":1214.909,"endTime":1216.469,"body":"and I'm gonna go back to my"},{"speaker":"Nick Lincoln","startTime":1216.469,"endTime":1220.969,"body":"said, just just just tell me."},{"speaker":"Nick Lincoln","startTime":1216.469,"endTime":1220.969,"body":"Ah, how did you end up in this"},{"speaker":"Nick Lincoln","startTime":1220.969,"endTime":1223.729,"body":"fun because God forbid, this is"},{"speaker":"Nick Lincoln","startTime":1220.969,"endTime":1223.729,"body":"the default fund for the BT"},{"speaker":"Nick Lincoln","startTime":1223.729,"endTime":1226.159,"body":"pension scheme and I've got"},{"speaker":"Nick Lincoln","startTime":1223.729,"endTime":1226.159,"body":"loads of people in their 30s and"},{"speaker":"Nick Lincoln","startTime":1226.159,"endTime":1229.369,"body":"40s going into a fund that"},{"speaker":"Nick Lincoln","startTime":1226.159,"endTime":1229.369,"body":"hasn't even kept pace with"},{"speaker":"Nick Lincoln","startTime":1229.369,"endTime":1232.819,"body":"inflation over the last 10"},{"speaker":"Nick Lincoln","startTime":1229.369,"endTime":1232.819,"body":"years. Absolutely. Well, I know"},{"speaker":"Nick Lincoln","startTime":1232.819,"endTime":1236.359,"body":"Andy is one of your rings your"},{"speaker":"Nick Lincoln","startTime":1232.819,"endTime":1236.359,"body":"bells is it to me it's pretty"},{"speaker":"Nick Lincoln","startTime":1236.359,"endTime":1238.249,"body":"scandalous I'm happy to move on"},{"speaker":"Nick Lincoln","startTime":1236.359,"endTime":1238.249,"body":"unless anyone's got anything to"},{"speaker":"Nick Lincoln","startTime":1238.249,"endTime":1242.899,"body":"comment on that. Okay, good"},{"speaker":"Nick Lincoln","startTime":1238.249,"endTime":1242.899,"body":"stuff. All right. The last but"},{"speaker":"Nick Lincoln","startTime":1242.899,"endTime":1247.549,"body":"No, me no means least. Voice."},{"speaker":"Nick Lincoln","startTime":1242.899,"endTime":1247.549,"body":"You've got the Bitcoin story in"},{"speaker":"Nick Lincoln","startTime":1247.549,"endTime":1250.339,"body":"full. regale us. Yeah, so"},{"speaker":"Carl Widger","startTime":1250.34,"endTime":1256.19,"body":"we spoke about the"},{"speaker":"Carl Widger","startTime":1250.34,"endTime":1256.19,"body":"Bitcoin surge during 2023. And"},{"speaker":"Carl Widger","startTime":1256.19,"endTime":1262.22,"body":"it was up 156% In the last"},{"speaker":"Carl Widger","startTime":1256.19,"endTime":1262.22,"body":"episode. And then I read this"},{"speaker":"Carl Widger","startTime":1262.22,"endTime":1264.92,"body":"article, and because I don't"},{"speaker":"Carl Widger","startTime":1262.22,"endTime":1264.92,"body":"follow Bitcoin, because I don't"},{"speaker":"Carl Widger","startTime":1264.92,"endTime":1268.49,"body":"believe in it. But when I read"},{"speaker":"Carl Widger","startTime":1264.92,"endTime":1268.49,"body":"this article, I thought, you"},{"speaker":"Carl Widger","startTime":1268.49,"endTime":1272.51,"body":"know, we need to tell the full"},{"speaker":"Carl Widger","startTime":1268.49,"endTime":1272.51,"body":"story here. Because yes, Bitcoin"},{"speaker":"Carl Widger","startTime":1272.51,"endTime":1281.63,"body":"was up 156% in 2023, and is at"},{"speaker":"Carl Widger","startTime":1272.51,"endTime":1281.63,"body":"about $46,000. Now, but it"},{"speaker":"Carl Widger","startTime":1281.63,"endTime":1288.44,"body":"peaked in November 2021, which"},{"speaker":"Carl Widger","startTime":1281.63,"endTime":1288.44,"body":"is not that long ago, November"},{"speaker":"Carl Widger","startTime":1288.44,"endTime":1295.37,"body":"November 2021, at 69,000. So it"},{"speaker":"Carl Widger","startTime":1288.44,"endTime":1295.37,"body":"needs to grow by another 50%"},{"speaker":"Carl Widger","startTime":1295.55,"endTime":1300.98,"body":"from its 46% farmers 46,000. To"},{"speaker":"Carl Widger","startTime":1295.55,"endTime":1300.98,"body":"get back to its peak. Now, we've"},{"speaker":"Carl Widger","startTime":1300.98,"endTime":1304.94,"body":"all been through a period of"},{"speaker":"Carl Widger","startTime":1300.98,"endTime":1304.94,"body":"we've spoken about this a lot"},{"speaker":"Carl Widger","startTime":1304.97,"endTime":1308.45,"body":"kind of sideways movement, and"},{"speaker":"Carl Widger","startTime":1304.97,"endTime":1308.45,"body":"how difficult it is with"},{"speaker":"Carl Widger","startTime":1308.45,"endTime":1313.76,"body":"clients. So I think everybody"},{"speaker":"Carl Widger","startTime":1308.45,"endTime":1313.76,"body":"needs to be cognizant of where"},{"speaker":"Carl Widger","startTime":1313.76,"endTime":1319.07,"body":"this has come from. And the"},{"speaker":"Carl Widger","startTime":1313.76,"endTime":1319.07,"body":"volatility that it does that is"},{"speaker":"Carl Widger","startTime":1319.07,"endTime":1323.21,"body":"associated with Bitcoin, because"},{"speaker":"Carl Widger","startTime":1319.07,"endTime":1323.21,"body":"it's a, there's a long, long way"},{"speaker":"Carl Widger","startTime":1323.21,"endTime":1327.29,"body":"to go, if you invested a lot of"},{"speaker":"Carl Widger","startTime":1323.21,"endTime":1327.29,"body":"your money in this back in late"},{"speaker":"Carl Widger","startTime":1327.32,"endTime":1332.24,"body":"2021 There's a long way to go"},{"speaker":"Carl Widger","startTime":1327.32,"endTime":1332.24,"body":"before you're back to parity. So"},{"speaker":"Carl Widger","startTime":1332.42,"endTime":1335.81,"body":"I just thought, you know, rather"},{"speaker":"Carl Widger","startTime":1332.42,"endTime":1335.81,"body":"than because I'm reading you"},{"speaker":"Carl Widger","startTime":1335.81,"endTime":1338.18,"body":"know, Alan has just spoken about"},{"speaker":"Carl Widger","startTime":1335.81,"endTime":1338.18,"body":"it there about all these"},{"speaker":"Carl Widger","startTime":1338.18,"endTime":1341.81,"body":"predictions, you know, on the"},{"speaker":"Carl Widger","startTime":1338.18,"endTime":1341.81,"body":"rise or the continued continued"},{"speaker":"Carl Widger","startTime":1341.81,"endTime":1346.16,"body":"surge of Bitcoin, just be"},{"speaker":"Carl Widger","startTime":1341.81,"endTime":1346.16,"body":"careful because, you know, it is"},{"speaker":"Carl Widger","startTime":1346.16,"endTime":1350.63,"body":"extremely volatile. And, you"},{"speaker":"Carl Widger","startTime":1346.16,"endTime":1350.63,"body":"know, for financial planning"},{"speaker":"Carl Widger","startTime":1350.63,"endTime":1354.92,"body":"clients, you know, think about"},{"speaker":"Carl Widger","startTime":1350.63,"endTime":1354.92,"body":"how difficult you found it when"},{"speaker":"Carl Widger","startTime":1354.92,"endTime":1358.49,"body":"the markets were going sideways"},{"speaker":"Carl Widger","startTime":1354.92,"endTime":1358.49,"body":"for two years. Well, if you know"},{"speaker":"Carl Widger","startTime":1358.49,"endTime":1363.53,"body":"you were in a position whereby"},{"speaker":"Carl Widger","startTime":1358.49,"endTime":1363.53,"body":"we need another having had 156%"},{"speaker":"Carl Widger","startTime":1363.53,"endTime":1368.24,"body":"growth we need another 50%"},{"speaker":"Carl Widger","startTime":1363.53,"endTime":1368.24,"body":"growth from today to get you"},{"speaker":"Carl Widger","startTime":1368.24,"endTime":1371.93,"body":"back to break even that's where"},{"speaker":"Carl Widger","startTime":1368.24,"endTime":1371.93,"body":"you're going to be at if you"},{"speaker":"Carl Widger","startTime":1371.93,"endTime":1377.09,"body":"invest in Bitcoin and just I"},{"speaker":"Carl Widger","startTime":1371.93,"endTime":1377.09,"body":"suppose generally speaking, I"},{"speaker":"Carl Widger","startTime":1377.09,"endTime":1380.84,"body":"was biting my my my tongue there"},{"speaker":"Carl Widger","startTime":1377.09,"endTime":1380.84,"body":"Ireland as you were talking"},{"speaker":"Carl Widger","startTime":1380.84,"endTime":1386.66,"body":"because, you know, I think a lot"},{"speaker":"Carl Widger","startTime":1380.84,"endTime":1386.66,"body":"of these predictions are driven"},{"speaker":"Carl Widger","startTime":1386.66,"endTime":1391.55,"body":"by what flush these investment"},{"speaker":"Carl Widger","startTime":1386.66,"endTime":1391.55,"body":"houses can offer. And they're"},{"speaker":"Carl Widger","startTime":1391.58,"endTime":1395.9,"body":"you know, people saying you"},{"speaker":"Carl Widger","startTime":1391.58,"endTime":1395.9,"body":"know, cash returns should be"},{"speaker":"Carl Widger","startTime":1395.9,"endTime":1400.13,"body":"fine well, maybe they have a"},{"speaker":"Carl Widger","startTime":1395.9,"endTime":1400.13,"body":"cash funds that they're putting"},{"speaker":"Carl Widger","startTime":1400.13,"endTime":1403.67,"body":"out there you know, and I saw"},{"speaker":"Alan Smith","startTime":1404.0,"endTime":1407.45,"body":"Chuck does it charge"},{"speaker":"Alan Smith","startTime":1404.0,"endTime":1407.45,"body":"1% a year to manage cash perhaps"},{"speaker":"Alan Smith","startTime":1407.48,"endTime":1407.84,"body":"but"},{"speaker":"Carl Widger","startTime":1408.17,"endTime":1410.87,"body":"I saw I saw looked"},{"speaker":"Carl Widger","startTime":1408.17,"endTime":1410.87,"body":"at there's lots of instances out"},{"speaker":"Carl Widger","startTime":1410.87,"endTime":1413.9,"body":"there you just got to just be"},{"speaker":"Carl Widger","startTime":1410.87,"endTime":1413.9,"body":"careful who you're listening to"},{"speaker":"Carl Widger","startTime":1413.93,"endTime":1418.34,"body":"and where I'm bought they're"},{"speaker":"Carl Widger","startTime":1413.93,"endTime":1418.34,"body":"motivated by I saw another"},{"speaker":"Carl Widger","startTime":1418.4,"endTime":1423.17,"body":"another firm in Ireland whose"},{"speaker":"Carl Widger","startTime":1418.4,"endTime":1423.17,"body":"global macro council came out"},{"speaker":"Carl Widger","startTime":1423.17,"endTime":1427.07,"body":"with some predictions their"},{"speaker":"Carl Widger","startTime":1423.17,"endTime":1427.07,"body":"global macro like"},{"speaker":"Unknown","startTime":1428.78,"endTime":1431.3,"body":"Jesus Christ, ask Nick"},{"speaker":"Alan Smith","startTime":1431.3,"endTime":1433.73,"body":"What is your global"},{"speaker":"Alan Smith","startTime":1431.3,"endTime":1433.73,"body":"macro Council believe the"},{"speaker":"Alan Smith","startTime":1433.73,"endTime":1434.63,"body":"markets are going to do"},{"speaker":"Nick Lincoln","startTime":1465.36,"endTime":1467.85,"body":"well we are global"},{"speaker":"Nick Lincoln","startTime":1465.36,"endTime":1467.85,"body":"macro Council has a top down"},{"speaker":"Nick Lincoln","startTime":1467.85,"endTime":1469.95,"body":"bottom up approach to global"},{"speaker":"Nick Lincoln","startTime":1467.85,"endTime":1469.95,"body":"stock picking on a value"},{"speaker":"Nick Lincoln","startTime":1469.95,"endTime":1473.1,"body":"rotation basically, we think the"},{"speaker":"Nick Lincoln","startTime":1469.95,"endTime":1473.1,"body":"cyclical cyclical headwinds are"},{"speaker":"Nick Lincoln","startTime":1473.1,"endTime":1476.31,"body":"favorable for a non secular"},{"speaker":"Nick Lincoln","startTime":1473.1,"endTime":1476.31,"body":"return to fundamental valuations"},{"speaker":"Nick Lincoln","startTime":1476.6399999999999,"endTime":1477.09,"body":"love it"},{"speaker":"Andy Hart","startTime":1477.1499999999999,"endTime":1480.57,"body":"or they honestly they"},{"speaker":"Andy Hart","startTime":1477.1499999999999,"endTime":1480.57,"body":"love that Christmas"},{"speaker":"Carl Widger","startTime":1480.569,"endTime":1483.4189999999999,"body":"dinner and your mom"},{"speaker":"Carl Widger","startTime":1480.569,"endTime":1483.4189999999999,"body":"so how do you do no love I'm I'm"},{"speaker":"Carl Widger","startTime":1483.4189999999999,"endTime":1484.829,"body":"heading off to global macro."},{"speaker":"Alan Smith","startTime":1486.149,"endTime":1488.279,"body":"But But call you"},{"speaker":"Alan Smith","startTime":1486.149,"endTime":1488.279,"body":"make you make a very good couple"},{"speaker":"Alan Smith","startTime":1488.279,"endTime":1492.509,"body":"of good points. That one is"},{"speaker":"Alan Smith","startTime":1488.279,"endTime":1492.509,"body":"there. See? It's an example of"},{"speaker":"Alan Smith","startTime":1492.959,"endTime":1495.539,"body":"classic I think the Warren"},{"speaker":"Alan Smith","startTime":1492.959,"endTime":1495.539,"body":"Buffett statement never ask a"},{"speaker":"Alan Smith","startTime":1495.539,"endTime":1498.719,"body":"barber if you're the haircut,"},{"speaker":"Alan Smith","startTime":1495.539,"endTime":1498.719,"body":"that people have got incentives"},{"speaker":"Alan Smith","startTime":1498.749,"endTime":1501.6589999999999,"body":"or to see these things. It"},{"speaker":"Alan Smith","startTime":1498.749,"endTime":1501.6589999999999,"body":"wasn't long ago is what you're"},{"speaker":"Alan Smith","startTime":1501.6589999999999,"endTime":1504.269,"body":"talking about the like the big"},{"speaker":"Alan Smith","startTime":1501.6589999999999,"endTime":1504.269,"body":"high a Bitcoin of a couple of"},{"speaker":"Alan Smith","startTime":1504.269,"endTime":1507.749,"body":"years ago. There were people you"},{"speaker":"Alan Smith","startTime":1504.269,"endTime":1507.749,"body":"know, I mean, you know,"},{"speaker":"Alan Smith","startTime":1507.749,"endTime":1510.059,"body":"intelligent people that were"},{"speaker":"Alan Smith","startTime":1507.749,"endTime":1510.059,"body":"predicting Bitcoin was going to"},{"speaker":"Alan Smith","startTime":1510.059,"endTime":1513.869,"body":"get to a million dollars a"},{"speaker":"Alan Smith","startTime":1510.059,"endTime":1513.869,"body":"Bitcoin not there where it is"},{"speaker":"Alan Smith","startTime":1513.869,"endTime":1517.139,"body":"now. 40 odd 1000 is going to get"},{"speaker":"Alan Smith","startTime":1513.869,"endTime":1517.139,"body":"to a million within quadric and"},{"speaker":"Alan Smith","startTime":1517.139,"endTime":1520.9189999999999,"body":"that sounds very convincing and"},{"speaker":"Alan Smith","startTime":1517.139,"endTime":1520.9189999999999,"body":"compelling and you've got so"},{"speaker":"Alan Smith","startTime":1520.9189999999999,"endTime":1524.609,"body":"much psychology around Bitcoin."},{"speaker":"Alan Smith","startTime":1520.9189999999999,"endTime":1524.609,"body":"There's a massive fear of"},{"speaker":"Alan Smith","startTime":1524.609,"endTime":1527.6689999999999,"body":"missing out because what if it"},{"speaker":"Alan Smith","startTime":1524.609,"endTime":1527.6689999999999,"body":"did go to a million and I didn't"},{"speaker":"Alan Smith","startTime":1527.6689999999999,"endTime":1530.819,"body":"invest in it, I'd be the worst"},{"speaker":"Alan Smith","startTime":1527.6689999999999,"endTime":1530.819,"body":"decision In my life sort of"},{"speaker":"Alan Smith","startTime":1530.819,"endTime":1532.589,"body":"thing. So there's like"},{"speaker":"Carl Widger","startTime":1532.59,"endTime":1534.42,"body":"a bit of Bitcoin"},{"speaker":"Carl Widger","startTime":1532.59,"endTime":1534.42,"body":"sorry, ain't going away, right?"},{"speaker":"Carl Widger","startTime":1534.42,"endTime":1537.24,"body":"So that's, that's for sure. And"},{"speaker":"Carl Widger","startTime":1534.42,"endTime":1537.24,"body":"it looks like there's going to"},{"speaker":"Carl Widger","startTime":1537.24,"endTime":1541.23,"body":"be an ETF approval by the Fed"},{"speaker":"Carl Widger","startTime":1537.24,"endTime":1541.23,"body":"and all that kind of stuff. So"},{"speaker":"Carl Widger","startTime":1541.35,"endTime":1544.74,"body":"this is going to be high on"},{"speaker":"Carl Widger","startTime":1541.35,"endTime":1544.74,"body":"everyone's agenda, right? And"},{"speaker":"Carl Widger","startTime":1544.74,"endTime":1547.95,"body":"then the people who are"},{"speaker":"Carl Widger","startTime":1544.74,"endTime":1547.95,"body":"incentivized to get you into"},{"speaker":"Carl Widger","startTime":1547.95,"endTime":1552.24,"body":"bitcoin are going to tell you"},{"speaker":"Carl Widger","startTime":1547.95,"endTime":1552.24,"body":"about the 156%. But remember,"},{"speaker":"Carl Widger","startTime":1552.3,"endTime":1556.32,"body":"you know, you got to do all I'll"},{"speaker":"Carl Widger","startTime":1552.3,"endTime":1556.32,"body":"say is you got we have need 50%"},{"speaker":"Carl Widger","startTime":1556.32,"endTime":1560.7,"body":"more growth, which is mahoosive."},{"speaker":"Carl Widger","startTime":1556.32,"endTime":1560.7,"body":"In order to get you back to even"},{"speaker":"Carl Widger","startTime":1560.8799999999999,"endTime":1563.76,"body":"if you invested in November 21."},{"speaker":"Carl Widger","startTime":1560.8799999999999,"endTime":1563.76,"body":"The"},{"speaker":"Alan Smith","startTime":1563.76,"endTime":1565.74,"body":"last thing that I"},{"speaker":"Alan Smith","startTime":1563.76,"endTime":1565.74,"body":"will say on this is one of the"},{"speaker":"Alan Smith","startTime":1565.74,"endTime":1568.44,"body":"reasons I believe is driven the"},{"speaker":"Alan Smith","startTime":1565.74,"endTime":1568.44,"body":"price that was exactly because"},{"speaker":"Alan Smith","startTime":1568.44,"endTime":1573.12,"body":"of that is getting regulatory"},{"speaker":"Alan Smith","startTime":1568.44,"endTime":1573.12,"body":"approval in the US. BlackRock"},{"speaker":"Alan Smith","startTime":1573.12,"endTime":1576.57,"body":"have announced, interestingly,"},{"speaker":"Alan Smith","startTime":1573.12,"endTime":1576.57,"body":"Vanguard has said not"},{"speaker":"Alan Smith","startTime":1576.57,"endTime":1581.31,"body":"interested, tells you something"},{"speaker":"Alan Smith","startTime":1576.57,"endTime":1581.31,"body":"BlackRock, don't mention the X"},{"speaker":"Alan Smith","startTime":1581.31,"endTime":1585.69,"body":"desperately searching for his"},{"speaker":"Alan Smith","startTime":1581.31,"endTime":1585.69,"body":"drop. Okay, so But Black Rock,"},{"speaker":"Alan Smith","startTime":1586.08,"endTime":1588.81,"body":"have said yes, they're going to"},{"speaker":"Alan Smith","startTime":1586.08,"endTime":1588.81,"body":"launch this now. If you think"},{"speaker":"Alan Smith","startTime":1588.81,"endTime":1593.07,"body":"about one of the probably the"},{"speaker":"Alan Smith","startTime":1588.81,"endTime":1593.07,"body":"fundamental reason and the"},{"speaker":"Alan Smith","startTime":1593.07,"endTime":1595.92,"body":"foundation of Bitcoin in"},{"speaker":"Alan Smith","startTime":1593.07,"endTime":1595.92,"body":"particular, but all"},{"speaker":"Alan Smith","startTime":1595.92,"endTime":1599.07,"body":"cryptocurrencies but Bitcoin in"},{"speaker":"Alan Smith","startTime":1595.92,"endTime":1599.07,"body":"particular, is the kind of"},{"speaker":"Alan Smith","startTime":1599.07,"endTime":1601.95,"body":"decentralization it's not"},{"speaker":"Alan Smith","startTime":1599.07,"endTime":1601.95,"body":"government controlled. It's not"},{"speaker":"Alan Smith","startTime":1601.95,"endTime":1604.26,"body":"bank control. It's not"},{"speaker":"Alan Smith","startTime":1601.95,"endTime":1604.26,"body":"institutional control. It's sort"},{"speaker":"Alan Smith","startTime":1604.26,"endTime":1608.67,"body":"of for the people by the people."},{"speaker":"Alan Smith","startTime":1604.26,"endTime":1608.67,"body":"As soon as you create a product,"},{"speaker":"Alan Smith","startTime":1608.79,"endTime":1613.8899999999999,"body":"which is regulated by the SEC,"},{"speaker":"Alan Smith","startTime":1608.79,"endTime":1613.8899999999999,"body":"and is operated by an"},{"speaker":"Alan Smith","startTime":1613.8899999999999,"endTime":1616.95,"body":"organization like BlackRock,"},{"speaker":"Alan Smith","startTime":1613.8899999999999,"endTime":1616.95,"body":"you've lost all the fundamental"},{"speaker":"Alan Smith","startTime":1616.95,"endTime":1618.81,"body":"reasons that you've forgotten"},{"speaker":"Alan Smith","startTime":1616.95,"endTime":1618.81,"body":"everything else."},{"speaker":"Alan Smith","startTime":1624.6,"endTime":1626.97,"body":"Got there in the end, regulated"},{"speaker":"Carl Widger","startTime":1626.97,"endTime":1628.95,"body":"by the Fed, but"},{"speaker":"Carl Widger","startTime":1626.97,"endTime":1628.95,"body":"you're right, by the SEC. Yeah."},{"speaker":"Carl Widger","startTime":1629.46,"endTime":1629.79,"body":"Yeah."},{"speaker":"Alan Smith","startTime":1629.82,"endTime":1631.47,"body":"But the Fed are part"},{"speaker":"Alan Smith","startTime":1629.82,"endTime":1631.47,"body":"of the whole sort of"},{"speaker":"Alan Smith","startTime":1631.47,"endTime":1633.72,"body":"institutional thing. And that's"},{"speaker":"Alan Smith","startTime":1631.47,"endTime":1633.72,"body":"the point of this everyone if"},{"speaker":"Alan Smith","startTime":1633.72,"endTime":1637.17,"body":"you're all the real bitcoin is"},{"speaker":"Alan Smith","startTime":1633.72,"endTime":1637.17,"body":"called the maximalists. They say"},{"speaker":"Alan Smith","startTime":1637.17,"endTime":1640.17,"body":"no, we're nothing to do with"},{"speaker":"Alan Smith","startTime":1637.17,"endTime":1640.17,"body":"this decentralized government,"},{"speaker":"Alan Smith","startTime":1640.17,"endTime":1642.3899999999999,"body":"central banks, all that sort of"},{"speaker":"Alan Smith","startTime":1640.17,"endTime":1642.3899999999999,"body":"stuff. We can control all this"},{"speaker":"Alan Smith","startTime":1642.3899999999999,"endTime":1647.07,"body":"stuff ourselves. And yet, you"},{"speaker":"Alan Smith","startTime":1642.3899999999999,"endTime":1647.07,"body":"know, there's a product because"},{"speaker":"Alan Smith","startTime":1647.07,"endTime":1650.3999999999999,"body":"organizations like BlackRock and"},{"speaker":"Alan Smith","startTime":1647.07,"endTime":1650.3999999999999,"body":"others, no doubt, of course,"},{"speaker":"Alan Smith","startTime":1650.3999999999999,"endTime":1652.32,"body":"they can make a few bucks, and"},{"speaker":"Alan Smith","startTime":1650.3999999999999,"endTime":1652.32,"body":"I'll be interesting what they"},{"speaker":"Alan Smith","startTime":1652.32,"endTime":1655.2,"body":"charge and the ETF will"},{"speaker":"Alan Smith","startTime":1652.32,"endTime":1655.2,"body":"certainly be charging a good few"},{"speaker":"Alan Smith","startTime":1655.2,"endTime":1659.6399999999999,"body":"basis points to people. And I"},{"speaker":"Alan Smith","startTime":1655.2,"endTime":1659.6399999999999,"body":"bet they'll raise billions on a"},{"speaker":"Alan Smith","startTime":1659.6399999999999,"endTime":1662.01,"body":"bet they will a lot of advisors"},{"speaker":"Alan Smith","startTime":1659.6399999999999,"endTime":1662.01,"body":"will see with nothing wrong with"},{"speaker":"Alan Smith","startTime":1662.01,"endTime":1665.52,"body":"putting 5% of your wealth into"},{"speaker":"Alan Smith","startTime":1662.01,"endTime":1665.52,"body":"it. Anyway. It's an interesting"},{"speaker":"Alan Smith","startTime":1665.52,"endTime":1668.9099999999999,"body":"story. Good point, you make"},{"speaker":"Alan Smith","startTime":1665.52,"endTime":1668.9099999999999,"body":"call. We'll carry on this the"},{"speaker":"Alan Smith","startTime":1668.9099999999999,"endTime":1672.84,"body":"spirit of kumbaya in 2024."},{"speaker":"Alan Smith","startTime":1668.9099999999999,"endTime":1672.84,"body":"Brilliant point, Carl, I love"},{"speaker":"Alan Smith","startTime":1672.84,"endTime":1674.52,"body":"what you say. And I love all"},{"speaker":"Alan Smith","startTime":1672.84,"endTime":1674.52,"body":"your comments."},{"speaker":"Nick Lincoln","startTime":1676.98,"endTime":1681.48,"body":"Okay, 27 minutes."},{"speaker":"Nick Lincoln","startTime":1676.98,"endTime":1681.48,"body":"27 seconds in. I think we've"},{"speaker":"Nick Lincoln","startTime":1681.48,"endTime":1686.04,"body":"given the topical titbits a damn"},{"speaker":"Nick Lincoln","startTime":1681.48,"endTime":1686.04,"body":"good thrashing. Let's move on to"},{"speaker":"Nick Lincoln","startTime":1686.04,"endTime":1689.9099999999999,"body":"the next segment of the show the"},{"speaker":"Nick Lincoln","startTime":1686.04,"endTime":1689.9099999999999,"body":"meat and potatoes of the show."},{"speaker":"Nick Lincoln","startTime":1690.3,"endTime":1695.55,"body":"And yes, 2023 is behind us. And"},{"speaker":"Nick Lincoln","startTime":1690.3,"endTime":1695.55,"body":"we're starting a new year and we"},{"speaker":"Nick Lincoln","startTime":1695.55,"endTime":1698.85,"body":"have a fresh sheet of paper. The"},{"speaker":"Nick Lincoln","startTime":1695.55,"endTime":1698.85,"body":"canvas is clean, the slate has"},{"speaker":"Nick Lincoln","startTime":1698.85,"endTime":1702.09,"body":"been wiped. But it's also still"},{"speaker":"Nick Lincoln","startTime":1698.85,"endTime":1702.09,"body":"a good time to look back at what"},{"speaker":"Nick Lincoln","startTime":1702.09,"endTime":1706.83,"body":"we did in 2023. Things that went"},{"speaker":"Nick Lincoln","startTime":1702.09,"endTime":1706.83,"body":"well, things that went not so"},{"speaker":"Nick Lincoln","startTime":1706.83,"endTime":1712.95,"body":"well and perhaps what our goals"},{"speaker":"Nick Lincoln","startTime":1706.83,"endTime":1712.95,"body":"are for 2024. So, car voice,"},{"speaker":"Nick Lincoln","startTime":1713.04,"endTime":1718.53,"body":"della Bochy, lead us off with"},{"speaker":"Nick Lincoln","startTime":1713.04,"endTime":1718.53,"body":"three wins that you had in 2023."},{"speaker":"Nick Lincoln","startTime":1718.53,"endTime":1720.57,"body":"Professional wins. Yeah,"},{"speaker":"Carl Widger","startTime":1720.57,"endTime":1724.02,"body":"so this is kind of"},{"speaker":"Carl Widger","startTime":1720.57,"endTime":1724.02,"body":"inspired by I have a coach"},{"speaker":"Carl Widger","startTime":1724.02,"endTime":1728.46,"body":"called Tommy Erie who works with"},{"speaker":"Carl Widger","startTime":1724.02,"endTime":1728.46,"body":"me and Tommy doesn't, never"},{"speaker":"Carl Widger","startTime":1728.46,"endTime":1732.3,"body":"knows how much how important he"},{"speaker":"Carl Widger","startTime":1728.46,"endTime":1732.3,"body":"is to me, and how much I believe"},{"speaker":"Carl Widger","startTime":1732.3,"endTime":1735.87,"body":"in what he says. And then try"},{"speaker":"Carl Widger","startTime":1732.3,"endTime":1735.87,"body":"and actually put in place what"},{"speaker":"Carl Widger","startTime":1735.87,"endTime":1740.34,"body":"he says. So this was something"},{"speaker":"Carl Widger","startTime":1735.87,"endTime":1740.34,"body":"that Tommy encouraged me to do."},{"speaker":"Carl Widger","startTime":1740.34,"endTime":1743.7,"body":"And kind of November, December,"},{"speaker":"Carl Widger","startTime":1740.34,"endTime":1743.7,"body":"which was the kind of three to"},{"speaker":"Carl Widger","startTime":1743.7,"endTime":1746.9099999999999,"body":"one which was you know, your"},{"speaker":"Carl Widger","startTime":1743.7,"endTime":1746.9099999999999,"body":"three wins your three kind of"},{"speaker":"Carl Widger","startTime":1746.9099999999999,"endTime":1749.9099999999999,"body":"not. So your three things that"},{"speaker":"Carl Widger","startTime":1746.9099999999999,"endTime":1749.9099999999999,"body":"didn't work so well. And then"},{"speaker":"Carl Widger","startTime":1749.94,"endTime":1754.4099999999999,"body":"your your big goal for next"},{"speaker":"Carl Widger","startTime":1749.94,"endTime":1754.4099999999999,"body":"year, so and so to lead off from"},{"speaker":"Carl Widger","startTime":1754.4099999999999,"endTime":1761.97,"body":"my three. So I'm trying to"},{"speaker":"Carl Widger","startTime":1754.4099999999999,"endTime":1761.97,"body":"mostly do this, I would"},{"speaker":"Carl Widger","startTime":1761.97,"endTime":1764.85,"body":"encourage people, you know, this"},{"speaker":"Carl Widger","startTime":1761.97,"endTime":1764.85,"body":"is a good exercise to do kind of"},{"speaker":"Carl Widger","startTime":1764.85,"endTime":1768.1499999999999,"body":"professionally and personally,"},{"speaker":"Carl Widger","startTime":1764.85,"endTime":1768.1499999999999,"body":"obviously, they will cross over."},{"speaker":"Carl Widger","startTime":1768.1499999999999,"endTime":1771.75,"body":"But, you know, sitting down and"},{"speaker":"Carl Widger","startTime":1768.1499999999999,"endTime":1771.75,"body":"doing this exercise is really,"},{"speaker":"Carl Widger","startTime":1771.75,"endTime":1774.6,"body":"really good. Anyway, three"},{"speaker":"Carl Widger","startTime":1771.75,"endTime":1774.6,"body":"things I think we did really"},{"speaker":"Carl Widger","startTime":1774.6,"endTime":1783.1499999999999,"body":"well in 2023. And Mattis got out"},{"speaker":"Carl Widger","startTime":1774.6,"endTime":1783.1499999999999,"body":"of the car, I think we hired"},{"speaker":"Carl Widger","startTime":1783.1499999999999,"endTime":1788.28,"body":"really well. So last year, we"},{"speaker":"Carl Widger","startTime":1783.1499999999999,"endTime":1788.28,"body":"added I think six new people to"},{"speaker":"Carl Widger","startTime":1788.28,"endTime":1791.58,"body":"the team, which is you know,"},{"speaker":"Carl Widger","startTime":1788.28,"endTime":1791.58,"body":"significant. It's a kind of 50%"},{"speaker":"Carl Widger","startTime":1791.76,"endTime":1796.68,"body":"increase on our headcount. And"},{"speaker":"Carl Widger","startTime":1791.76,"endTime":1796.68,"body":"we took our time with it, right."},{"speaker":"Carl Widger","startTime":1796.71,"endTime":1801.0,"body":"And that was a great learning"},{"speaker":"Carl Widger","startTime":1796.71,"endTime":1801.0,"body":"from the past, however, we might"},{"speaker":"Carl Widger","startTime":1801.0,"endTime":1804.33,"body":"have hired quickly and just got"},{"speaker":"Carl Widger","startTime":1801.0,"endTime":1804.33,"body":"people on board that maybe"},{"speaker":"Carl Widger","startTime":1804.33,"endTime":1806.97,"body":"didn't necessarily suit the"},{"speaker":"Carl Widger","startTime":1804.33,"endTime":1806.97,"body":"culture of the business. But I"},{"speaker":"Carl Widger","startTime":1806.97,"endTime":1810.96,"body":"think taking our time and"},{"speaker":"Carl Widger","startTime":1806.97,"endTime":1810.96,"body":"spreading the load. So it wasn't"},{"speaker":"Carl Widger","startTime":1810.96,"endTime":1814.2,"body":"just me hiring. We had various"},{"speaker":"Carl Widger","startTime":1810.96,"endTime":1814.2,"body":"people in the business doing the"},{"speaker":"Carl Widger","startTime":1814.2,"endTime":1817.47,"body":"hiring, and we had kind of two"},{"speaker":"Carl Widger","startTime":1814.2,"endTime":1817.47,"body":"people involved in each of the"},{"speaker":"Carl Widger","startTime":1817.47,"endTime":1820.53,"body":"hire. So I think we're in a"},{"speaker":"Carl Widger","startTime":1817.47,"endTime":1820.53,"body":"really, really good place with a"},{"speaker":"Carl Widger","startTime":1820.53,"endTime":1823.2,"body":"planning meeting now on the 16th"},{"speaker":"Carl Widger","startTime":1820.53,"endTime":1823.2,"body":"of January, and everyone's going"},{"speaker":"Carl Widger","startTime":1823.2,"endTime":1828.09,"body":"to be up at night. I'm genuinely"},{"speaker":"Carl Widger","startTime":1823.2,"endTime":1828.09,"body":"excited as to where we can go"},{"speaker":"Carl Widger","startTime":1828.09,"endTime":1830.49,"body":"with the team that we've put in"},{"speaker":"Carl Widger","startTime":1828.09,"endTime":1830.49,"body":"place now. So So that was a"},{"speaker":"Carl Widger","startTime":1830.49,"endTime":1835.8899999999999,"body":"definite yes and good. Green"},{"speaker":"Carl Widger","startTime":1830.49,"endTime":1835.8899999999999,"body":"Tech for us. events. We did"},{"speaker":"Carl Widger","startTime":1835.8899999999999,"endTime":1840.36,"body":"loads of events last year. I've"},{"speaker":"Carl Widger","startTime":1835.8899999999999,"endTime":1840.36,"body":"spoken a lot about, you know,"},{"speaker":"Carl Widger","startTime":1840.36,"endTime":1843.8999999999999,"body":"the Mattis way of doing the"},{"speaker":"Carl Widger","startTime":1840.36,"endTime":1843.8999999999999,"body":"events, etc. I think we did you"},{"speaker":"Carl Widger","startTime":1843.8999999999999,"endTime":1847.59,"body":"know, 14 or 15 different events"},{"speaker":"Carl Widger","startTime":1843.8999999999999,"endTime":1847.59,"body":"ranging from big ones to smaller"},{"speaker":"Carl Widger","startTime":1847.59,"endTime":1852.24,"body":"ones and everything in between."},{"speaker":"Carl Widger","startTime":1847.59,"endTime":1852.24,"body":"We did you know, that that man"},{"speaker":"Carl Widger","startTime":1852.24,"endTime":1855.03,"body":"only golf stuff, we did a couple"},{"speaker":"Carl Widger","startTime":1852.24,"endTime":1855.03,"body":"stuff, we had our client"},{"speaker":"Carl Widger","startTime":1855.03,"endTime":1859.44,"body":"advisory panel, some of the guys"},{"speaker":"Carl Widger","startTime":1855.03,"endTime":1859.44,"body":"in Limerick, Rana did a panel"},{"speaker":"Carl Widger","startTime":1860.55,"endTime":1863.76,"body":"towards the end of the year as"},{"speaker":"Carl Widger","startTime":1860.55,"endTime":1863.76,"body":"well. So I think we're, we're"},{"speaker":"Carl Widger","startTime":1863.76,"endTime":1866.82,"body":"getting in a really good groove"},{"speaker":"Carl Widger","startTime":1863.76,"endTime":1866.82,"body":"with the events, they do cost"},{"speaker":"Carl Widger","startTime":1866.82,"endTime":1869.85,"body":"money, but we're kind of we've"},{"speaker":"Carl Widger","startTime":1866.82,"endTime":1869.85,"body":"created budgets, no, for every"},{"speaker":"Carl Widger","startTime":1869.85,"endTime":1873.78,"body":"private client manager. And we"},{"speaker":"Carl Widger","startTime":1869.85,"endTime":1873.78,"body":"have a lot of really good stuff"},{"speaker":"Carl Widger","startTime":1873.78,"endTime":1876.96,"body":"planned for next year, which is"},{"speaker":"Carl Widger","startTime":1873.78,"endTime":1876.96,"body":"important, because we used to do"},{"speaker":"Carl Widger","startTime":1876.96,"endTime":1879.69,"body":"things kind of ad hoc, and just"},{"speaker":"Carl Widger","startTime":1876.96,"endTime":1879.69,"body":"Oh, yeah, that sounds like a"},{"speaker":"Carl Widger","startTime":1879.69,"endTime":1882.24,"body":"great idea. Whereas actually, if"},{"speaker":"Carl Widger","startTime":1879.69,"endTime":1882.24,"body":"you take the time to plan it out"},{"speaker":"Carl Widger","startTime":1882.24,"endTime":1885.36,"body":"at the start of the year, which"},{"speaker":"Carl Widger","startTime":1882.24,"endTime":1885.36,"body":"is what we did in 2023, at the"},{"speaker":"Carl Widger","startTime":1885.36,"endTime":1889.29,"body":"start of the year, it works"},{"speaker":"Carl Widger","startTime":1885.36,"endTime":1889.29,"body":"much, much better. And you get"},{"speaker":"Carl Widger","startTime":1889.29,"endTime":1892.47,"body":"definitely greater bang for your"},{"speaker":"Carl Widger","startTime":1889.29,"endTime":1892.47,"body":"buck. And you can kind of you"},{"speaker":"Carl Widger","startTime":1892.47,"endTime":1895.5,"body":"know, prepare the events. So"},{"speaker":"Carl Widger","startTime":1892.47,"endTime":1895.5,"body":"that can be that five, six star"},{"speaker":"Carl Widger","startTime":1895.5,"endTime":1901.44,"body":"experience. And then the last"},{"speaker":"Carl Widger","startTime":1895.5,"endTime":1901.44,"body":"one, and I'll talk about maybe"},{"speaker":"Carl Widger","startTime":1901.47,"endTime":1905.97,"body":"not so weird in a little while,"},{"speaker":"Carl Widger","startTime":1901.47,"endTime":1905.97,"body":"but I it was amazing for me to"},{"speaker":"Carl Widger","startTime":1905.97,"endTime":1913.17,"body":"see some of the individuals on"},{"speaker":"Carl Widger","startTime":1905.97,"endTime":1913.17,"body":"the team really, you know, gone"},{"speaker":"Carl Widger","startTime":1913.17,"endTime":1918.1499999999999,"body":"that extra mile, and maximizing"},{"speaker":"Carl Widger","startTime":1913.17,"endTime":1918.1499999999999,"body":"their own potential. And that's"},{"speaker":"Carl Widger","startTime":1918.1499999999999,"endTime":1921.8999999999999,"body":"inspiring to me when when you"},{"speaker":"Carl Widger","startTime":1918.1499999999999,"endTime":1921.8999999999999,"body":"know, you see this after all was"},{"speaker":"Carl Widger","startTime":1921.8999999999999,"endTime":1925.1399999999999,"body":"started. And this was the it was"},{"speaker":"Carl Widger","startTime":1921.8999999999999,"endTime":1925.1399999999999,"body":"the Witcher story, right? It's"},{"speaker":"Carl Widger","startTime":1925.1399999999999,"endTime":1929.04,"body":"no longer it's mad as Arlen No."},{"speaker":"Carl Widger","startTime":1925.1399999999999,"endTime":1929.04,"body":"And there's an awful lot of key"},{"speaker":"Carl Widger","startTime":1929.04,"endTime":1933.48,"body":"players in the team. And that"},{"speaker":"Carl Widger","startTime":1929.04,"endTime":1933.48,"body":"inspires me because it pushes me"},{"speaker":"Carl Widger","startTime":1933.48,"endTime":1937.05,"body":"on and makes me try to get"},{"speaker":"Carl Widger","startTime":1933.48,"endTime":1937.05,"body":"better every day. So that was"},{"speaker":"Carl Widger","startTime":1937.05,"endTime":1941.6399999999999,"body":"definitely something that was"},{"speaker":"Carl Widger","startTime":1937.05,"endTime":1941.6399999999999,"body":"it, that gives me great pride."},{"speaker":"Carl Widger","startTime":1941.6399999999999,"endTime":1945.72,"body":"So obviously, I'm gonna kind of"},{"speaker":"Carl Widger","startTime":1941.6399999999999,"endTime":1945.72,"body":"try and develop that if I can,"},{"speaker":"Carl Widger","startTime":1945.75,"endTime":1951.78,"body":"again in 2024. So who's next"},{"speaker":"Carl Widger","startTime":1945.75,"endTime":1951.78,"body":"give us three wins for 2023"},{"speaker":"Nick Lincoln","startTime":1952.95,"endTime":1956.3999999999999,"body":"Brilliant stuff."},{"speaker":"Nick Lincoln","startTime":1952.95,"endTime":1956.3999999999999,"body":"Shall I go? Yeah. Happy with me"},{"speaker":"Nick Lincoln","startTime":1956.3999999999999,"endTime":1964.47,"body":"going. Thanks, guys. Okay, so my"},{"speaker":"Nick Lincoln","startTime":1956.3999999999999,"endTime":1964.47,"body":"three well. So the first thing"},{"speaker":"Nick Lincoln","startTime":1964.47,"endTime":1966.96,"body":"that I did that I'm on"},{"speaker":"Nick Lincoln","startTime":1964.47,"endTime":1966.96,"body":"reflection, very happy about is"},{"speaker":"Nick Lincoln","startTime":1966.96,"endTime":1970.32,"body":"my content, I want to have the"},{"speaker":"Nick Lincoln","startTime":1966.96,"endTime":1970.32,"body":"most elegant, simple financial"},{"speaker":"Nick Lincoln","startTime":1970.32,"endTime":1973.3799999999999,"body":"planning, business will be a"},{"speaker":"Nick Lincoln","startTime":1970.32,"endTime":1973.3799999999999,"body":"lifestyle business in the you"},{"speaker":"Nick Lincoln","startTime":1973.3799999999999,"endTime":1978.6,"body":"know, that Joe Public can"},{"speaker":"Nick Lincoln","startTime":1973.3799999999999,"endTime":1978.6,"body":"possibly be exposed to. And in"},{"speaker":"Nick Lincoln","startTime":1978.6,"endTime":1980.6399999999999,"body":"the last year, as I've talked"},{"speaker":"Nick Lincoln","startTime":1978.6,"endTime":1980.6399999999999,"body":"about before, I've done that"},{"speaker":"Nick Lincoln","startTime":1980.6399999999999,"endTime":1983.28,"body":"with my investment approach, and"},{"speaker":"Nick Lincoln","startTime":1980.6399999999999,"endTime":1983.28,"body":"I've rationalized it further."},{"speaker":"Nick Lincoln","startTime":1983.82,"endTime":1988.68,"body":"One Fund to rule them all. My"},{"speaker":"Nick Lincoln","startTime":1983.82,"endTime":1988.68,"body":"message to you, I need three"},{"speaker":"Nick Lincoln","startTime":1988.68,"endTime":1991.5,"body":"pots, you know, you've got your"},{"speaker":"Nick Lincoln","startTime":1988.68,"endTime":1991.5,"body":"tax free pot, you've got your"},{"speaker":"Nick Lincoln","startTime":1991.5,"endTime":1994.98,"body":"free money pot, and you've got"},{"speaker":"Nick Lincoln","startTime":1991.5,"endTime":1994.98,"body":"your growth pot. That's all you"},{"speaker":"Nick Lincoln","startTime":1994.98,"endTime":1999.03,"body":"need. And I'm going to"},{"speaker":"Nick Lincoln","startTime":1994.98,"endTime":1999.03,"body":"continually hone in 2024 This is"},{"speaker":"Nick Lincoln","startTime":1999.03,"endTime":2001.82,"body":"not my goal, but it's it's part"},{"speaker":"Nick Lincoln","startTime":1999.03,"endTime":2001.82,"body":"of the win of last year is to"},{"speaker":"Nick Lincoln","startTime":2001.82,"endTime":2004.46,"body":"use language that people"},{"speaker":"Nick Lincoln","startTime":2001.82,"endTime":2004.46,"body":"understand I will never use an"},{"speaker":"Nick Lincoln","startTime":2004.46,"endTime":2007.9099999999999,"body":"advice letter. I'll never put"},{"speaker":"Nick Lincoln","startTime":2004.46,"endTime":2007.9099999999999,"body":"the word crystallized funds in"},{"speaker":"Nick Lincoln","startTime":2007.9099999999999,"endTime":2010.76,"body":"an advice letter, I will never"},{"speaker":"Nick Lincoln","startTime":2007.9099999999999,"endTime":2010.76,"body":"put the phrase pen pension"},{"speaker":"Nick Lincoln","startTime":2010.76,"endTime":2014.3899999999999,"body":"commencement lump sum. In an"},{"speaker":"Nick Lincoln","startTime":2010.76,"endTime":2014.3899999999999,"body":"advice letter. I think it's"},{"speaker":"Nick Lincoln","startTime":2014.42,"endTime":2017.72,"body":"evil. It's just evil to Deleuze"},{"speaker":"Nick Lincoln","startTime":2014.42,"endTime":2017.72,"body":"people with his garbage. It's"},{"speaker":"Nick Lincoln","startTime":2017.72,"endTime":2019.6399999999999,"body":"all about communication and"},{"speaker":"Nick Lincoln","startTime":2017.72,"endTime":2019.6399999999999,"body":"keeping things simple and making"},{"speaker":"Nick Lincoln","startTime":2019.6399999999999,"endTime":2024.3799999999999,"body":"things more and more refined. As"},{"speaker":"Nick Lincoln","startTime":2019.6399999999999,"endTime":2024.3799999999999,"body":"Andy Andy often says, we spend"},{"speaker":"Nick Lincoln","startTime":2024.3799999999999,"endTime":2027.8,"body":"years learning stuff in this in"},{"speaker":"Nick Lincoln","startTime":2024.3799999999999,"endTime":2027.8,"body":"the industrial side of our"},{"speaker":"Nick Lincoln","startTime":2027.8,"endTime":2030.29,"body":"business, and then we shed it"},{"speaker":"Nick Lincoln","startTime":2027.8,"endTime":2030.29,"body":"and what's left behind this,"},{"speaker":"Nick Lincoln","startTime":2030.29,"endTime":2033.6499999999999,"body":"this is the essence of what we"},{"speaker":"Nick Lincoln","startTime":2030.29,"endTime":2033.6499999999999,"body":"should be doing. My second when"},{"speaker":"Nick Lincoln","startTime":2033.6499999999999,"endTime":2035.21,"body":"was I had a really good"},{"speaker":"Nick Lincoln","startTime":2033.6499999999999,"endTime":2035.21,"body":"business. Yeah, I mean, it's it"},{"speaker":"Nick Lincoln","startTime":2035.21,"endTime":2039.59,"body":"sounds, you know, somewhat gross"},{"speaker":"Nick Lincoln","startTime":2035.21,"endTime":2039.59,"body":"somehow but I mean, I I took on"},{"speaker":"Nick Lincoln","startTime":2039.59,"endTime":2041.57,"body":"board seven families last year"},{"speaker":"Nick Lincoln","startTime":2039.59,"endTime":2041.57,"body":"for which for me is a"},{"speaker":"Nick Lincoln","startTime":2041.57,"endTime":2046.82,"body":"considerable amount of new of"},{"speaker":"Nick Lincoln","startTime":2041.57,"endTime":2046.82,"body":"new clients I sent to me that's"},{"speaker":"Nick Lincoln","startTime":2046.82,"endTime":2049.4,"body":"seven clients saved from the"},{"speaker":"Nick Lincoln","startTime":2046.82,"endTime":2049.4,"body":"financial wilderness. And I"},{"speaker":"Nick Lincoln","startTime":2049.4,"endTime":2051.05,"body":"haven't done anything"},{"speaker":"Nick Lincoln","startTime":2049.4,"endTime":2051.05,"body":"particularly different in terms"},{"speaker":"Nick Lincoln","startTime":2051.05,"endTime":2053.03,"body":"of my marketing. So I didn't do"},{"speaker":"Nick Lincoln","startTime":2051.05,"endTime":2053.03,"body":"any marketing. But I think you"},{"speaker":"Nick Lincoln","startTime":2053.03,"endTime":2055.34,"body":"know, with with, with trapping"},{"speaker":"Nick Lincoln","startTime":2053.03,"endTime":2055.34,"body":"everything else, I think what"},{"speaker":"Nick Lincoln","startTime":2055.34,"endTime":2058.4300000000003,"body":"goes around comes around as"},{"speaker":"Nick Lincoln","startTime":2055.34,"endTime":2058.4300000000003,"body":"somehow you do get back what you"},{"speaker":"Nick Lincoln","startTime":2104.51,"endTime":2107.84,"body":"put out there. And the third one"},{"speaker":"Nick Lincoln","startTime":2104.51,"endTime":2107.84,"body":"is on its own trap. Actually,"},{"speaker":"Nick Lincoln","startTime":2107.84,"endTime":2110.93,"body":"that trap is my third win. I"},{"speaker":"Nick Lincoln","startTime":2107.84,"endTime":2110.93,"body":"just can't pretend that hasn't"},{"speaker":"Nick Lincoln","startTime":2110.93,"endTime":2114.86,"body":"been a really good fun thing"},{"speaker":"Nick Lincoln","startTime":2110.93,"endTime":2114.86,"body":"that's in my life now and the"},{"speaker":"Nick Lincoln","startTime":2114.86,"endTime":2118.07,"body":"boost we get from people who"},{"speaker":"Nick Lincoln","startTime":2114.86,"endTime":2118.07,"body":"when we meet when we go to"},{"speaker":"Nick Lincoln","startTime":2118.07,"endTime":2120.59,"body":"events and stuff who love trap,"},{"speaker":"Nick Lincoln","startTime":2118.07,"endTime":2120.59,"body":"it's it's absolutely fantastic."},{"speaker":"Nick Lincoln","startTime":2120.59,"endTime":2123.08,"body":"I do so it's been a real Philip"},{"speaker":"Nick Lincoln","startTime":2120.59,"endTime":2123.08,"body":"for me over the last year. So"},{"speaker":"Nick Lincoln","startTime":2123.08,"endTime":2127.04,"body":"those are my three. Those are my"},{"speaker":"Nick Lincoln","startTime":2123.08,"endTime":2127.04,"body":"three wins. Gentlemen, if"},{"speaker":"Nick Lincoln","startTime":2127.04,"endTime":2129.95,"body":"there's no comments on any of"},{"speaker":"Nick Lincoln","startTime":2127.04,"endTime":2129.95,"body":"those will go to the next. One"},{"speaker":"Nick Lincoln","startTime":2129.95,"endTime":2132.77,"body":"of you who wants to describe"},{"speaker":"Nick Lincoln","startTime":2129.95,"endTime":2132.77,"body":"your three wins for 2023."},{"speaker":"Alan Smith","startTime":2134.8399999999997,"endTime":2147.3199999999997,"body":"Should I go? Thank"},{"speaker":"Alan Smith","startTime":2134.8399999999997,"endTime":2147.3199999999997,"body":"you. Yeah, wait. Thank you,"},{"speaker":"Alan Smith","startTime":2147.3199999999997,"endTime":2153.44,"body":"Nick. We will be will have been"},{"speaker":"Alan Smith","startTime":2147.3199999999997,"endTime":2153.44,"body":"in business for 20 years this"},{"speaker":"Alan Smith","startTime":2153.44,"endTime":2156.95,"body":"year. So last year was a 19th"},{"speaker":"Alan Smith","startTime":2153.44,"endTime":2156.95,"body":"year in business. So it's pretty"},{"speaker":"Alan Smith","startTime":2156.95,"endTime":2161.87,"body":"mature business now. Really. And"},{"speaker":"Alan Smith","startTime":2156.95,"endTime":2161.87,"body":"so in terms of what was what was"},{"speaker":"Alan Smith","startTime":2161.87,"endTime":2167.3599999999997,"body":"a win. We had our best year ever"},{"speaker":"Alan Smith","startTime":2161.87,"endTime":2167.3599999999997,"body":"in terms of both top line"},{"speaker":"Alan Smith","startTime":2167.3599999999997,"endTime":2176.0899999999997,"body":"revenue, profitability and"},{"speaker":"Alan Smith","startTime":2167.3599999999997,"endTime":2176.0899999999997,"body":"client wins. So you reflect back"},{"speaker":"Alan Smith","startTime":2176.12,"endTime":2178.73,"body":"unstable water. You know, you"},{"speaker":"Alan Smith","startTime":2176.12,"endTime":2178.73,"body":"said you did nothing differently"},{"speaker":"Alan Smith","startTime":2186.1389999999997,"endTime":2188.629,"body":"you said that you did nothing"},{"speaker":"Alan Smith","startTime":2186.1389999999997,"endTime":2188.629,"body":"you had a great year as well,"},{"speaker":"Alan Smith","startTime":2188.629,"endTime":2191.029,"body":"you did nothing differently."},{"speaker":"Alan Smith","startTime":2188.629,"endTime":2191.029,"body":"Don't forget last year was, to"},{"speaker":"Alan Smith","startTime":2191.029,"endTime":2193.549,"body":"all intents purposes was was a"},{"speaker":"Alan Smith","startTime":2191.029,"endTime":2193.549,"body":"challenging year. We'd also, you"},{"speaker":"Alan Smith","startTime":2193.549,"endTime":2195.8289999999997,"body":"know, record inflation, you"},{"speaker":"Alan Smith","startTime":2193.549,"endTime":2195.8289999999997,"body":"know, war in the Middle East"},{"speaker":"Alan Smith","startTime":2195.8289999999997,"endTime":2197.959,"body":"Ukraine war still going on, et"},{"speaker":"Alan Smith","startTime":2195.8289999999997,"endTime":2197.959,"body":"cetera, et cetera, loads and"},{"speaker":"Alan Smith","startTime":2197.959,"endTime":2203.239,"body":"loads of headwinds as your macro"},{"speaker":"Alan Smith","startTime":2197.959,"endTime":2203.239,"body":"committee would, would like to."},{"speaker":"Alan Smith","startTime":2204.709,"endTime":2207.319,"body":"And yeah, you know, we've we've"},{"speaker":"Alan Smith","startTime":2204.709,"endTime":2207.319,"body":"all seem to have had, you know,"},{"speaker":"Alan Smith","startTime":2207.319,"endTime":2213.3489999999997,"body":"positive years. And so I reflect"},{"speaker":"Alan Smith","startTime":2207.319,"endTime":2213.3489999999997,"body":"back, what did we do? What was"},{"speaker":"Alan Smith","startTime":2213.3489999999997,"endTime":2217.249,"body":"it like? I think one of the"},{"speaker":"Alan Smith","startTime":2213.3489999999997,"endTime":2217.249,"body":"biggest things that we did was"},{"speaker":"Alan Smith","startTime":2217.249,"endTime":2220.489,"body":"we got intentional, I think"},{"speaker":"Alan Smith","startTime":2217.249,"endTime":2220.489,"body":"intentionality is a big thing is"},{"speaker":"Alan Smith","startTime":2220.489,"endTime":2223.0989999999997,"body":"very easy after several years"},{"speaker":"Alan Smith","startTime":2220.489,"endTime":2223.0989999999997,"body":"just to kind of drift along and"},{"speaker":"Alan Smith","startTime":2223.0989999999997,"endTime":2225.919,"body":"one year is like the next. If"},{"speaker":"Alan Smith","startTime":2223.0989999999997,"endTime":2225.919,"body":"you put like a lot of things in"},{"speaker":"Alan Smith","startTime":2225.919,"endTime":2228.679,"body":"life, if you say, you're going"},{"speaker":"Alan Smith","startTime":2225.919,"endTime":2228.679,"body":"to do something, and you're"},{"speaker":"Alan Smith","startTime":2228.679,"endTime":2231.589,"body":"really focused on it, and you"},{"speaker":"Alan Smith","startTime":2228.679,"endTime":2231.589,"body":"say, we are going to achieve it."},{"speaker":"Alan Smith","startTime":2231.589,"endTime":2234.379,"body":"And then you begin to work out"},{"speaker":"Alan Smith","startTime":2231.589,"endTime":2234.379,"body":"how you're going to do if you"},{"speaker":"Alan Smith","startTime":2234.379,"endTime":2236.929,"body":"say we're going to have the best"},{"speaker":"Alan Smith","startTime":2234.379,"endTime":2236.929,"body":"year ever, you can't just show"},{"speaker":"Alan Smith","startTime":2236.929,"endTime":2239.509,"body":"up and do everything that you've"},{"speaker":"Alan Smith","startTime":2236.929,"endTime":2239.509,"body":"done before and assume that"},{"speaker":"Alan Smith","startTime":2239.509,"endTime":2242.029,"body":"everything will suddenly be"},{"speaker":"Alan Smith","startTime":2239.509,"endTime":2242.029,"body":"become better. So we set"},{"speaker":"Alan Smith","startTime":2242.029,"endTime":2246.499,"body":"ourselves some stretch goals and"},{"speaker":"Alan Smith","startTime":2242.029,"endTime":2246.499,"body":"some stretch targets. We began"},{"speaker":"Alan Smith","startTime":2246.499,"endTime":2249.529,"body":"it's still a work in progress."},{"speaker":"Alan Smith","startTime":2246.499,"endTime":2249.529,"body":"But we really began to nail the"},{"speaker":"Alan Smith","startTime":2249.589,"endTime":2253.069,"body":"marketing side of things after"},{"speaker":"Alan Smith","startTime":2249.589,"endTime":2253.069,"body":"all these years and recognizing"},{"speaker":"Alan Smith","startTime":2253.069,"endTime":2256.489,"body":"the sort of modern digital era."},{"speaker":"Alan Smith","startTime":2253.069,"endTime":2256.489,"body":"And I'll talk a little bit more"},{"speaker":"Alan Smith","startTime":2256.489,"endTime":2260.3289999999997,"body":"about that in a moment. My"},{"speaker":"Alan Smith","startTime":2256.489,"endTime":2260.3289999999997,"body":"colleague, some you know, we all"},{"speaker":"Alan Smith","startTime":2260.3289999999997,"endTime":2264.379,"body":"know, to varying degrees, George"},{"speaker":"Alan Smith","startTime":2260.3289999999997,"endTime":2264.379,"body":"shout out to George Bob kind of"},{"speaker":"Alan Smith","startTime":2264.379,"endTime":2266.899,"body":"headset heads are sort of"},{"speaker":"Alan Smith","startTime":2264.379,"endTime":2266.899,"body":"marketing and developing. And as"},{"speaker":"Alan Smith","startTime":2266.959,"endTime":2270.049,"body":"a sort of separate shout out to"},{"speaker":"Alan Smith","startTime":2266.959,"endTime":2270.049,"body":"him. And whilst we're promoting"},{"speaker":"Alan Smith","startTime":2270.049,"endTime":2273.679,"body":"things, George has just launched"},{"speaker":"Alan Smith","startTime":2270.049,"endTime":2273.679,"body":"a little sort of side hustle, or"},{"speaker":"Alan Smith","startTime":2273.709,"endTime":2278.209,"body":"for advisors who wants to launch"},{"speaker":"Alan Smith","startTime":2273.709,"endTime":2278.209,"body":"their own podcast we all believe"},{"speaker":"Alan Smith","startTime":2278.209,"endTime":2282.019,"body":"in the podcast as a medium and"},{"speaker":"Alan Smith","startTime":2278.209,"endTime":2282.019,"body":"he's really nailed it and he"},{"speaker":"Alan Smith","startTime":2282.019,"endTime":2286.009,"body":"produces my award winning"},{"speaker":"Alan Smith","startTime":2282.019,"endTime":2286.009,"body":"podcast bulletproof entrepreneur"},{"speaker":"Alan Smith","startTime":2286.519,"endTime":2290.659,"body":"and there's yeah there's there's"},{"speaker":"Alan Smith","startTime":2286.519,"endTime":2290.659,"body":"none of the other noise there's"},{"speaker":"Alan Smith","startTime":2290.659,"endTime":2292.699,"body":"none of the heavy breathing"},{"speaker":"Alan Smith","startTime":2290.659,"endTime":2292.699,"body":"there's no painters in the"},{"speaker":"Alan Smith","startTime":2292.699,"endTime":2295.0989999999997,"body":"background there's no alarms and"},{"speaker":"Alan Smith","startTime":2292.699,"endTime":2295.0989999999997,"body":"stuff he does a really good job"},{"speaker":"Alan Smith","startTime":2295.0989999999997,"endTime":2298.699,"body":"but he's got he's launched a"},{"speaker":"Alan Smith","startTime":2295.0989999999997,"endTime":2298.699,"body":"product a course which is I"},{"speaker":"Alan Smith","startTime":2298.699,"endTime":2301.5789999999997,"body":"think it's well worth checking"},{"speaker":"Alan Smith","startTime":2298.699,"endTime":2301.5789999999997,"body":"out check him out online George,"},{"speaker":"Alan Smith","startTime":2301.699,"endTime":2304.3089999999997,"body":"BB or var B O V"},{"speaker":"Alan Smith","startTime":2310.85,"endTime":2315.29,"body":"The last thing we add it's sort"},{"speaker":"Alan Smith","startTime":2310.85,"endTime":2315.29,"body":"of it's related to calls calls"},{"speaker":"Alan Smith","startTime":2315.29,"endTime":2319.13,"body":"point as well is that we got"},{"speaker":"Alan Smith","startTime":2315.29,"endTime":2319.13,"body":"more intentional begin to track"},{"speaker":"Alan Smith","startTime":2319.19,"endTime":2322.13,"body":"you know, data track data. We've"},{"speaker":"Alan Smith","startTime":2319.19,"endTime":2322.13,"body":"never really tracked data"},{"speaker":"Alan Smith","startTime":2322.16,"endTime":2325.1,"body":"rigorously in the past but you"},{"speaker":"Alan Smith","startTime":2322.16,"endTime":2325.1,"body":"know, proper businesses do that"},{"speaker":"Alan Smith","startTime":2325.25,"endTime":2327.68,"body":"grown up mature businesses, they"},{"speaker":"Alan Smith","startTime":2325.25,"endTime":2327.68,"body":"know whether they know the"},{"speaker":"Alan Smith","startTime":2327.68,"endTime":2330.41,"body":"revenue streams and know the"},{"speaker":"Alan Smith","startTime":2327.68,"endTime":2330.41,"body":"profit centers, they know where"},{"speaker":"Alan Smith","startTime":2330.41,"endTime":2334.37,"body":"progress is happening. So they"},{"speaker":"Alan Smith","startTime":2330.41,"endTime":2334.37,"body":"got far better tracking data, we"},{"speaker":"Alan Smith","startTime":2334.37,"endTime":2338.54,"body":"use the so called be cut"},{"speaker":"Alan Smith","startTime":2334.37,"endTime":2338.54,"body":"remember with Microsoft or got a"},{"speaker":"Alan Smith","startTime":2338.54,"endTime":2341.24,"body":"built in tool that you can all"},{"speaker":"Alan Smith","startTime":2338.54,"endTime":2341.24,"body":"your grid, there's so much data"},{"speaker":"Alan Smith","startTime":2341.24,"endTime":2344.87,"body":"around our businesses, but we're"},{"speaker":"Alan Smith","startTime":2341.24,"endTime":2344.87,"body":"paying a lot more attention to"},{"speaker":"Alan Smith","startTime":2344.87,"endTime":2352.5499999999997,"body":"that my own content program got"},{"speaker":"Alan Smith","startTime":2344.87,"endTime":2352.5499999999997,"body":"just better improved. I looked"},{"speaker":"Alan Smith","startTime":2352.5499999999997,"endTime":2355.7599999999998,"body":"at LinkedIn numbers. Last week"},{"speaker":"Alan Smith","startTime":2352.5499999999997,"endTime":2355.7599999999998,"body":"that LinkedIn numbers I had"},{"speaker":"Alan Smith","startTime":2355.7599999999998,"endTime":2359.63,"body":"something like 4 million"},{"speaker":"Alan Smith","startTime":2355.7599999999998,"endTime":2359.63,"body":"impressions of last year now you"},{"speaker":"Alan Smith","startTime":2359.63,"endTime":2361.49,"body":"think well what the hell is an"},{"speaker":"Alan Smith","startTime":2359.63,"endTime":2361.49,"body":"impression? What does it mean"},{"speaker":"Alan Smith","startTime":2361.49,"endTime":2364.2799999999997,"body":"but that stuff has led to so"},{"speaker":"Alan Smith","startTime":2361.49,"endTime":2364.2799999999997,"body":"many things I've mentioned"},{"speaker":"Alan Smith","startTime":2364.2799999999997,"endTime":2368.06,"body":"before are it still is second to"},{"speaker":"Alan Smith","startTime":2364.2799999999997,"endTime":2368.06,"body":"referrals, but are sort of"},{"speaker":"Alan Smith","startTime":2368.0899999999997,"endTime":2371.0,"body":"digital marketing creating"},{"speaker":"Alan Smith","startTime":2368.0899999999997,"endTime":2371.0,"body":"whatever you want to talk about"},{"speaker":"Alan Smith","startTime":2371.33,"endTime":2374.12,"body":"is now become a significant"},{"speaker":"Alan Smith","startTime":2371.33,"endTime":2374.12,"body":"positive influence to our"},{"speaker":"Alan Smith","startTime":2374.12,"endTime":2378.41,"body":"revenue and our growth. So that"},{"speaker":"Alan Smith","startTime":2374.12,"endTime":2378.41,"body":"was a success. And the last one"},{"speaker":"Alan Smith","startTime":2378.41,"endTime":2381.35,"body":"I'll say is a personal one, but"},{"speaker":"Alan Smith","startTime":2378.41,"endTime":2381.35,"body":"I think it's right as it relates"},{"speaker":"Alan Smith","startTime":2381.35,"endTime":2385.13,"body":"to all these things, which was I"},{"speaker":"Alan Smith","startTime":2381.35,"endTime":2385.13,"body":"was intentional about carving"},{"speaker":"Alan Smith","startTime":2385.13,"endTime":2388.58,"body":"out my own time you know, I had"},{"speaker":"Alan Smith","startTime":2385.13,"endTime":2388.58,"body":"two weeks skiing which I love"},{"speaker":"Alan Smith","startTime":2388.79,"endTime":2392.18,"body":"doing I took four weeks off"},{"speaker":"Alan Smith","startTime":2388.79,"endTime":2392.18,"body":"pretty much I know we've talked"},{"speaker":"Alan Smith","startTime":2392.18,"endTime":2395.66,"body":"about do you actually switch off"},{"speaker":"Alan Smith","startTime":2392.18,"endTime":2395.66,"body":"completely I don't switch off"},{"speaker":"Alan Smith","startTime":2395.66,"endTime":2400.1,"body":"completely but I had a good time"},{"speaker":"Alan Smith","startTime":2395.66,"endTime":2400.1,"body":"over the summer and of course"},{"speaker":"Alan Smith","startTime":2400.7,"endTime":2406.22,"body":"the the trap trips which what"},{"speaker":"Alan Smith","startTime":2400.7,"endTime":2406.22,"body":"goes on abroad is stays abroad"},{"speaker":"Alan Smith","startTime":2406.22,"endTime":2410.33,"body":"but our trip to New Yorker and"},{"speaker":"Alan Smith","startTime":2406.22,"endTime":2410.33,"body":"the summer our trip to Paris for"},{"speaker":"Alan Smith","startTime":2410.33,"endTime":2414.14,"body":"the rugby it was just fabulous"},{"speaker":"Alan Smith","startTime":2410.33,"endTime":2414.14,"body":"really good. Sooner more, but"},{"speaker":"Alan Smith","startTime":2414.14,"endTime":2417.0499999999997,"body":"really good experiences and I"},{"speaker":"Alan Smith","startTime":2414.14,"endTime":2417.0499999999997,"body":"think that's really important as"},{"speaker":"Alan Smith","startTime":2417.0499999999997,"endTime":2419.27,"body":"well. So for reflect about what"},{"speaker":"Alan Smith","startTime":2417.0499999999997,"endTime":2419.27,"body":"what was good whilst we have a"},{"speaker":"Alan Smith","startTime":2419.27,"endTime":2423.47,"body":"good year. Plenty of sort of"},{"speaker":"Alan Smith","startTime":2419.27,"endTime":2423.47,"body":"personal time, family time, fun"},{"speaker":"Alan Smith","startTime":2423.47,"endTime":2427.1,"body":"time as well. So I'll leave it"},{"speaker":"Alan Smith","startTime":2423.47,"endTime":2427.1,"body":"there. Thank you."},{"speaker":"Nick Lincoln","startTime":2427.7,"endTime":2429.44,"body":"That's excellent."},{"speaker":"Nick Lincoln","startTime":2427.7,"endTime":2429.44,"body":"Thank you, Anna for those 13"},{"speaker":"Nick Lincoln","startTime":2429.44,"endTime":2431.27,"body":"wins were really really good and"},{"speaker":"Nick Lincoln","startTime":2429.44,"endTime":2431.27,"body":"I'm glad you got through so"},{"speaker":"Nick Lincoln","startTime":2431.27,"endTime":2434.7799999999997,"body":"quickly. Okay, so let's get"},{"speaker":"Nick Lincoln","startTime":2431.27,"endTime":2434.7799999999997,"body":"let's turn the carousel of doom"},{"speaker":"Nick Lincoln","startTime":2434.7799999999997,"endTime":2437.33,"body":"back pointer. Apologies laughing"},{"speaker":"Nick Lincoln","startTime":2434.7799999999997,"endTime":2437.33,"body":"his head off, but you can't hear"},{"speaker":"Nick Lincoln","startTime":2437.33,"endTime":2440.06,"body":"him forever. He's good. He's"},{"speaker":"Nick Lincoln","startTime":2437.33,"endTime":2440.06,"body":"muted. Carl, what were two"},{"speaker":"Nick Lincoln","startTime":2440.06,"endTime":2441.7999999999997,"body":"lessons that you learned from"},{"speaker":"Nick Lincoln","startTime":2440.06,"endTime":2441.7999999999997,"body":"those"},{"speaker":"Andy Hart","startTime":2441.7999999999997,"endTime":2443.2999999999997,"body":"back to me, Nick, I'm"},{"speaker":"Nick Lincoln","startTime":2443.2999999999997,"endTime":2445.79,"body":"sorry. Sorry,"},{"speaker":"Andy Hart","startTime":2445.85,"endTime":2448.31,"body":"sorry. he rambled on"},{"speaker":"Andy Hart","startTime":2445.85,"endTime":2448.31,"body":"so long you forgotten where we"},{"speaker":"Andy Hart","startTime":2448.31,"endTime":2448.49,"body":"are."},{"speaker":"Nick Lincoln","startTime":2450.2599999999998,"endTime":2452.21,"body":"What day is it now"},{"speaker":"Nick Lincoln","startTime":2450.2599999999998,"endTime":2452.21,"body":"anyway, let's get back on I"},{"speaker":"Andy Hart","startTime":2452.21,"endTime":2455.87,"body":"wish the internet"},{"speaker":"Andy Hart","startTime":2452.21,"endTime":2455.87,"body":"well. I'm going to keep it short"},{"speaker":"Andy Hart","startTime":2455.87,"endTime":2460.7599999999998,"body":"and sweet. So my number three"},{"speaker":"Andy Hart","startTime":2455.87,"endTime":2460.7599999999998,"body":"when was Maven money hit 300"},{"speaker":"Andy Hart","startTime":2460.79,"endTime":2464.12,"body":"episodes, sort of a win loss"},{"speaker":"Andy Hart","startTime":2460.79,"endTime":2464.12,"body":"sort of thing because I've I've"},{"speaker":"Andy Hart","startTime":2464.15,"endTime":2467.5099999999998,"body":"I've hung up the mic which is"},{"speaker":"Andy Hart","startTime":2464.15,"endTime":2467.5099999999998,"body":"rather unlike me I feel like a"},{"speaker":"Andy Hart","startTime":2467.5099999999998,"endTime":2470.18,"body":"bit of an amateur now not"},{"speaker":"Andy Hart","startTime":2467.5099999999998,"endTime":2470.18,"body":"professional when it comes to"},{"speaker":"Andy Hart","startTime":2470.87,"endTime":2474.2,"body":"creating content anywhere I felt"},{"speaker":"Andy Hart","startTime":2470.87,"endTime":2474.2,"body":"it was it run its course"},{"speaker":"Unknown","startTime":2476.12,"endTime":2485.0299999999997,"body":"And he knows about"},{"speaker":"Unknown","startTime":2476.12,"endTime":2485.0299999999997,"body":"everything and can't be told"},{"speaker":"Unknown","startTime":2485.0299999999997,"endTime":2488.0899999999997,"body":"anything. His name is Andrew"},{"speaker":"Unknown","startTime":2485.0299999999997,"endTime":2488.0899999999997,"body":"Hart."},{"speaker":"Andy Hart","startTime":2493.58,"endTime":2496.67,"body":"Thank you, Nick."},{"speaker":"Andy Hart","startTime":2493.58,"endTime":2496.67,"body":"Okay, so that's my number three"},{"speaker":"Andy Hart","startTime":2496.7,"endTime":2500.87,"body":"Maven money hit 300 episodes, I"},{"speaker":"Andy Hart","startTime":2496.7,"endTime":2500.87,"body":"stopped it in September 2023."},{"speaker":"Andy Hart","startTime":2501.5,"endTime":2506.5099999999998,"body":"And currently I'm at 1.1, that 5"},{"speaker":"Andy Hart","startTime":2501.5,"endTime":2506.5099999999998,"body":"million downloads. So all good"},{"speaker":"Andy Hart","startTime":2506.5099999999998,"endTime":2510.62,"body":"on that front. Next is a mini"},{"speaker":"Andy Hart","startTime":2506.5099999999998,"endTime":2510.62,"body":"personal when I moved into a new"},{"speaker":"Andy Hart","startTime":2510.62,"endTime":2513.3199999999997,"body":"home, I've been divorced about"},{"speaker":"Andy Hart","startTime":2510.62,"endTime":2513.3199999999997,"body":"three and a half years now sort"},{"speaker":"Andy Hart","startTime":2513.3199999999997,"endTime":2515.87,"body":"of in between places been a bit"},{"speaker":"Andy Hart","startTime":2513.3199999999997,"endTime":2515.87,"body":"of a nightmare. But now I"},{"speaker":"Andy Hart","startTime":2515.87,"endTime":2519.5,"body":"finally found a lovely place"},{"speaker":"Andy Hart","startTime":2515.87,"endTime":2519.5,"body":"that I call my perfect home for"},{"speaker":"Andy Hart","startTime":2519.5,"endTime":2524.0299999999997,"body":"me and my nice. Nice fridge."},{"speaker":"Andy Hart","startTime":2519.5,"endTime":2524.0299999999997,"body":"Nice fridge, same fridges unit."},{"speaker":"Andy Hart","startTime":2524.63,"endTime":2527.7799999999997,"body":"So that's all good. My number"},{"speaker":"Andy Hart","startTime":2524.63,"endTime":2527.7799999999997,"body":"one when again, it's a"},{"speaker":"Andy Hart","startTime":2527.7799999999997,"endTime":2532.49,"body":"professional when humans on the"},{"speaker":"Andy Hart","startTime":2527.7799999999997,"endTime":2532.49,"body":"management premium, my sort of"},{"speaker":"Andy Hart","startTime":2532.49,"endTime":2535.73,"body":"global membership resource thing"},{"speaker":"Andy Hart","startTime":2532.49,"endTime":2535.73,"body":"for financial advisors, we hit"},{"speaker":"Andy Hart","startTime":2535.73,"endTime":2544.46,"body":"200. Members, I think we hit 200"},{"speaker":"Andy Hart","startTime":2535.73,"endTime":2544.46,"body":"members in November 2003. So"},{"speaker":"Andy Hart","startTime":2544.46,"endTime":2547.52,"body":"there's a lot of content we put"},{"speaker":"Andy Hart","startTime":2544.46,"endTime":2547.52,"body":"out via there. And hopefully"},{"speaker":"Andy Hart","startTime":2547.52,"endTime":2549.5,"body":"we're trying to, you know,"},{"speaker":"Andy Hart","startTime":2547.52,"endTime":2549.5,"body":"spread the good message. So"},{"speaker":"Andy Hart","startTime":2549.5,"endTime":2552.92,"body":"that's, that's my final wins. So"},{"speaker":"Andy Hart","startTime":2549.5,"endTime":2552.92,"body":"that's my 321."},{"speaker":"Alan Smith","startTime":2553.3399999999997,"endTime":2556.37,"body":"Just Just a quick"},{"speaker":"Alan Smith","startTime":2553.3399999999997,"endTime":2556.37,"body":"point, Nick, just you criticize"},{"speaker":"Alan Smith","startTime":2556.37,"endTime":2559.04,"body":"me, there's no point in me"},{"speaker":"Alan Smith","startTime":2556.37,"endTime":2559.04,"body":"saying we had a good year."},{"speaker":"Alan Smith","startTime":2559.04,"endTime":2561.35,"body":"That's, that's number one."},{"speaker":"Alan Smith","startTime":2559.04,"endTime":2561.35,"body":"Number two is such and such."},{"speaker":"Alan Smith","startTime":2561.74,"endTime":2564.2599999999998,"body":"Because that doesn't mean"},{"speaker":"Alan Smith","startTime":2561.74,"endTime":2564.2599999999998,"body":"anything to anyone. The"},{"speaker":"Alan Smith","startTime":2564.35,"endTime":2567.65,"body":"important point is to reflect"},{"speaker":"Alan Smith","startTime":2564.35,"endTime":2567.65,"body":"back on why and what you did and"},{"speaker":"Alan Smith","startTime":2567.65,"endTime":2572.15,"body":"other people might want to do or"},{"speaker":"Alan Smith","startTime":2567.65,"endTime":2572.15,"body":"reflect on or just you know,"},{"speaker":"Alan Smith","startTime":2572.54,"endTime":2577.4,"body":"it's just we got to be careful"},{"speaker":"Alan Smith","startTime":2572.54,"endTime":2577.4,"body":"about an element of So what now"},{"speaker":"Alan Smith","startTime":2577.58,"endTime":2578.5699999999997,"body":"on to the failures."},{"speaker":"Carl Widger","startTime":2586.1,"endTime":2591.62,"body":"So what are two"},{"speaker":"Carl Widger","startTime":2586.1,"endTime":2591.62,"body":"things that didn't work? So"},{"speaker":"Carl Widger","startTime":2591.62,"endTime":2596.0899999999997,"body":"well, last year, our needs work."},{"speaker":"Carl Widger","startTime":2591.62,"endTime":2596.0899999999997,"body":"So I think the first one is"},{"speaker":"Carl Widger","startTime":2596.0899999999997,"endTime":2599.0899999999997,"body":"linked to actually something"},{"speaker":"Carl Widger","startTime":2596.0899999999997,"endTime":2599.0899999999997,"body":"that I said was a win, which is"},{"speaker":"Carl Widger","startTime":2599.42,"endTime":2603.7999999999997,"body":"a could see, some of the team"},{"speaker":"Carl Widger","startTime":2599.42,"endTime":2603.7999999999997,"body":"members really just gone for it,"},{"speaker":"Carl Widger","startTime":2603.83,"endTime":2607.04,"body":"right? Give them their wings,"},{"speaker":"Carl Widger","startTime":2603.83,"endTime":2607.04,"body":"and they took the opportunity"},{"speaker":"Carl Widger","startTime":2607.04,"endTime":2611.0899999999997,"body":"and they went for it. But what"},{"speaker":"Carl Widger","startTime":2607.04,"endTime":2611.0899999999997,"body":"has worked for us, we're"},{"speaker":"Carl Widger","startTime":2611.0899999999997,"endTime":2614.7799999999997,"body":"actually 10 years old this year"},{"speaker":"Carl Widger","startTime":2611.0899999999997,"endTime":2614.7799999999997,"body":"2024, which is amazing, right?"},{"speaker":"Carl Widger","startTime":2614.7799999999997,"endTime":2619.52,"body":"But what has got us to displays"},{"speaker":"Carl Widger","startTime":2614.7799999999997,"endTime":2619.52,"body":"here, and what will work going"},{"speaker":"Carl Widger","startTime":2619.52,"endTime":2623.2999999999997,"body":"forward are two different"},{"speaker":"Carl Widger","startTime":2619.52,"endTime":2623.2999999999997,"body":"things. So what what I found"},{"speaker":"Carl Widger","startTime":2623.2999999999997,"endTime":2627.95,"body":"certainly towards the second"},{"speaker":"Carl Widger","startTime":2623.2999999999997,"endTime":2627.95,"body":"half of the year was that there"},{"speaker":"Carl Widger","startTime":2627.95,"endTime":2631.67,"body":"wasn't that I'm not going to say"},{"speaker":"Carl Widger","startTime":2627.95,"endTime":2631.67,"body":"there was no teamwork, of"},{"speaker":"Carl Widger","startTime":2631.67,"endTime":2634.19,"body":"course, there was loads of"},{"speaker":"Carl Widger","startTime":2631.67,"endTime":2634.19,"body":"teamwork, but we didn't have a"},{"speaker":"Carl Widger","startTime":2634.19,"endTime":2640.16,"body":"concerted approach in terms of"},{"speaker":"Carl Widger","startTime":2634.19,"endTime":2640.16,"body":"teams and communication within"},{"speaker":"Carl Widger","startTime":2640.16,"endTime":2643.8199999999997,"body":"the organization. So we've"},{"speaker":"Carl Widger","startTime":2640.16,"endTime":2643.8199999999997,"body":"worked gonna try and do an awful"},{"speaker":"Carl Widger","startTime":2643.8199999999997,"endTime":2647.0299999999997,"body":"lot of work on, you know, making"},{"speaker":"Carl Widger","startTime":2643.8199999999997,"endTime":2647.0299999999997,"body":"sure that one person is"},{"speaker":"Carl Widger","startTime":2647.0299999999997,"endTime":2652.46,"body":"responsible for, you know,"},{"speaker":"Carl Widger","startTime":2647.0299999999997,"endTime":2652.46,"body":"making sure that there's massive"},{"speaker":"Carl Widger","startTime":2652.46,"endTime":2657.02,"body":"communication within the team."},{"speaker":"Carl Widger","startTime":2652.46,"endTime":2657.02,"body":"And just to see, like, you know,"},{"speaker":"Carl Widger","startTime":2657.02,"endTime":2660.56,"body":"if we want to go fast, we go on"},{"speaker":"Carl Widger","startTime":2657.02,"endTime":2660.56,"body":"our own. But if we want to go"},{"speaker":"Carl Widger","startTime":2660.56,"endTime":2664.16,"body":"far, we go together. And it's"},{"speaker":"Carl Widger","startTime":2660.56,"endTime":2664.16,"body":"really, I'm absolutely"},{"speaker":"Carl Widger","startTime":2664.16,"endTime":2669.41,"body":"comfortable that we have a team"},{"speaker":"Carl Widger","startTime":2664.16,"endTime":2669.41,"body":"full of massive potential. But"},{"speaker":"Carl Widger","startTime":2669.44,"endTime":2672.92,"body":"we I gotta, it's my job to put"},{"speaker":"Carl Widger","startTime":2669.44,"endTime":2672.92,"body":"the structures in place to make"},{"speaker":"Carl Widger","startTime":2672.92,"endTime":2676.6099999999997,"body":"sure that we go as a team, and"},{"speaker":"Carl Widger","startTime":2672.92,"endTime":2676.6099999999997,"body":"we do this as a team. So I think"},{"speaker":"Carl Widger","startTime":2676.6099999999997,"endTime":2682.22,"body":"that's a, that's a big learning"},{"speaker":"Carl Widger","startTime":2676.6099999999997,"endTime":2682.22,"body":"curve for me. And that kind of"},{"speaker":"Carl Widger","startTime":2682.22,"endTime":2686.8399999999997,"body":"leads to the second one, which"},{"speaker":"Carl Widger","startTime":2682.22,"endTime":2686.8399999999997,"body":"is, I got totally and utterly"},{"speaker":"Carl Widger","startTime":2688.97,"endTime":2692.24,"body":"bogged down between the two"},{"speaker":"Carl Widger","startTime":2688.97,"endTime":2692.24,"body":"roles that I do, which is the"},{"speaker":"Carl Widger","startTime":2692.24,"endTime":2698.45,"body":"CEO role, and the private client"},{"speaker":"Carl Widger","startTime":2692.24,"endTime":2698.45,"body":"manager role. And as of the end"},{"speaker":"Carl Widger","startTime":2698.45,"endTime":2701.06,"body":"of this year, I managed, I still"},{"speaker":"Carl Widger","startTime":2698.45,"endTime":2701.06,"body":"manage the most amount of money"},{"speaker":"Carl Widger","startTime":2701.06,"endTime":2704.0899999999997,"body":"within the business, that's"},{"speaker":"Carl Widger","startTime":2701.06,"endTime":2704.0899999999997,"body":"going to change. Because what"},{"speaker":"Carl Widger","startTime":2704.12,"endTime":2707.0299999999997,"body":"what happened in the second half"},{"speaker":"Carl Widger","startTime":2704.12,"endTime":2707.0299999999997,"body":"of the year was I got so"},{"speaker":"Carl Widger","startTime":2707.06,"endTime":2711.3199999999997,"body":"overwhelmed with all of the work"},{"speaker":"Carl Widger","startTime":2707.06,"endTime":2711.3199999999997,"body":"that I had to do, I ended up"},{"speaker":"Carl Widger","startTime":2711.3199999999997,"endTime":2715.43,"body":"being an old case CEO, and an"},{"speaker":"Carl Widger","startTime":2711.3199999999997,"endTime":2715.43,"body":"OK, private line manager. And"},{"speaker":"Carl Widger","startTime":2715.43,"endTime":2717.95,"body":"that's not going to serve the"},{"speaker":"Carl Widger","startTime":2715.43,"endTime":2717.95,"body":"business very well at all. So"},{"speaker":"Carl Widger","startTime":2717.95,"endTime":2722.96,"body":"we've spent a lot of time myself"},{"speaker":"Carl Widger","startTime":2717.95,"endTime":2722.96,"body":"on our chairman, Tom Tierney,"},{"speaker":"Carl Widger","startTime":2723.35,"endTime":2729.2,"body":"and our CFO Patiyala. And"},{"speaker":"Carl Widger","startTime":2723.35,"endTime":2729.2,"body":"working on how best do we make"},{"speaker":"Carl Widger","startTime":2729.2,"endTime":2733.46,"body":"sure that you know, we spread"},{"speaker":"Carl Widger","startTime":2729.2,"endTime":2733.46,"body":"the load, I suppose in terms of"},{"speaker":"Carl Widger","startTime":2733.46,"endTime":2737.0899999999997,"body":"the private client manager work"},{"speaker":"Carl Widger","startTime":2733.46,"endTime":2737.0899999999997,"body":"and make me focus more on the"},{"speaker":"Carl Widger","startTime":2737.12,"endTime":2741.62,"body":"SEO work. It's a risk. Okay,"},{"speaker":"Carl Widger","startTime":2737.12,"endTime":2741.62,"body":"it's definitely a risk. And it's"},{"speaker":"Carl Widger","startTime":2741.62,"endTime":2745.8199999999997,"body":"a little bit scary, but I'll"},{"speaker":"Carl Widger","startTime":2741.62,"endTime":2745.8199999999997,"body":"hold the whole thing back if I"},{"speaker":"Carl Widger","startTime":2745.8199999999997,"endTime":2749.72,"body":"don't actually do this. So"},{"speaker":"Carl Widger","startTime":2745.8199999999997,"endTime":2749.72,"body":"that's I'm not going to be"},{"speaker":"Carl Widger","startTime":2749.72,"endTime":2752.96,"body":"leaving the private line manager"},{"speaker":"Carl Widger","startTime":2749.72,"endTime":2752.96,"body":"work entirely. But I'm"},{"speaker":"Carl Widger","startTime":2752.96,"endTime":2756.08,"body":"definitely going to be doing way"},{"speaker":"Carl Widger","startTime":2752.96,"endTime":2756.08,"body":"way way less of it because I got"},{"speaker":"Carl Widger","startTime":2756.08,"endTime":2759.2,"body":"to trust in the great people"},{"speaker":"Carl Widger","startTime":2756.08,"endTime":2759.2,"body":"that we have in the team. And I"},{"speaker":"Carl Widger","startTime":2759.2,"endTime":2763.67,"body":"got to trust that clients will"},{"speaker":"Carl Widger","startTime":2759.2,"endTime":2763.67,"body":"actually be better served with"},{"speaker":"Carl Widger","startTime":2763.88,"endTime":2768.65,"body":"dedicated PMS as opposed to me"},{"speaker":"Carl Widger","startTime":2763.88,"endTime":2768.65,"body":"being reactionary and, you know,"},{"speaker":"Carl Widger","startTime":2768.95,"endTime":2771.2,"body":"I'm depending all the time on"},{"speaker":"Carl Widger","startTime":2768.95,"endTime":2771.2,"body":"the relationships that I've"},{"speaker":"Carl Widger","startTime":2771.2,"endTime":2774.5299999999997,"body":"built up with people. That's,"},{"speaker":"Carl Widger","startTime":2771.2,"endTime":2774.5299999999997,"body":"you know, that'll last for a"},{"speaker":"Carl Widger","startTime":2774.5299999999997,"endTime":2777.2599999999998,"body":"while, but after a while people"},{"speaker":"Carl Widger","startTime":2774.5299999999997,"endTime":2777.2599999999998,"body":"will start gotten pissed off. So"},{"speaker":"Carl Widger","startTime":2777.5,"endTime":2780.5,"body":"there are the two kind of"},{"speaker":"Carl Widger","startTime":2777.5,"endTime":2780.5,"body":"learnings are the two things"},{"speaker":"Carl Widger","startTime":2780.5,"endTime":2782.6,"body":"that didn't work. So well last"},{"speaker":"Carl Widger","startTime":2780.5,"endTime":2782.6,"body":"year that I'm going to be"},{"speaker":"Carl Widger","startTime":2782.6,"endTime":2783.44,"body":"focusing Okay,"},{"speaker":"Nick Lincoln","startTime":2783.44,"endTime":2786.17,"body":"Mr. Smith, comment"},{"speaker":"Nick Lincoln","startTime":2783.44,"endTime":2786.17,"body":"that just just a bit of value."},{"speaker":"Nick Lincoln","startTime":2786.5,"endTime":2786.77,"body":"Just"},{"speaker":"Alan Smith","startTime":2786.77,"endTime":2789.17,"body":"a little bit of"},{"speaker":"Alan Smith","startTime":2786.77,"endTime":2789.17,"body":"feedback to that, on that last"},{"speaker":"Alan Smith","startTime":2789.17,"endTime":2793.85,"body":"point in particular car. This is"},{"speaker":"Alan Smith","startTime":2789.17,"endTime":2793.85,"body":"just the classic road that"},{"speaker":"Alan Smith","startTime":2793.97,"endTime":2797.3599999999997,"body":"growth oriented firms go on,"},{"speaker":"Alan Smith","startTime":2793.97,"endTime":2797.3599999999997,"body":"which I think you and I have"},{"speaker":"Alan Smith","startTime":2797.3599999999997,"endTime":2799.46,"body":"spoken about this, at least"},{"speaker":"Alan Smith","startTime":2797.3599999999997,"endTime":2799.46,"body":"briefly in the past, and I've"},{"speaker":"Alan Smith","startTime":2799.46,"endTime":2803.42,"body":"gone through exactly the same"},{"speaker":"Alan Smith","startTime":2799.46,"endTime":2803.42,"body":"thing some years ago, got to the"},{"speaker":"Alan Smith","startTime":2803.42,"endTime":2806.45,"body":"point where I was just I was"},{"speaker":"Alan Smith","startTime":2803.42,"endTime":2806.45,"body":"best mediocre at everything I"},{"speaker":"Alan Smith","startTime":2806.45,"endTime":2809.69,"body":"know, you're gonna say you that"},{"speaker":"Alan Smith","startTime":2806.45,"endTime":2809.69,"body":"was an improvement. But"},{"speaker":"Alan Smith","startTime":2809.69,"endTime":2811.85,"body":"obviously, because there's so"},{"speaker":"Alan Smith","startTime":2809.69,"endTime":2811.85,"body":"many things on my plate as"},{"speaker":"Alan Smith","startTime":2811.85,"endTime":2815.3599999999997,"body":"juggling everything same as you,"},{"speaker":"Alan Smith","startTime":2811.85,"endTime":2815.3599999999997,"body":"biggest clients, all the major"},{"speaker":"Alan Smith","startTime":2815.3599999999997,"endTime":2817.4,"body":"clients, all the more complex"},{"speaker":"Alan Smith","startTime":2815.3599999999997,"endTime":2817.4,"body":"clients plus us running a"},{"speaker":"Alan Smith","startTime":2817.4,"endTime":2820.04,"body":"business and you know, hiring"},{"speaker":"Alan Smith","startTime":2817.4,"endTime":2820.04,"body":"people doing all negotiating"},{"speaker":"Alan Smith","startTime":2820.04,"endTime":2822.74,"body":"with landlords, etc. So I"},{"speaker":"Alan Smith","startTime":2820.04,"endTime":2822.74,"body":"stepped away from it. This is a"},{"speaker":"Alan Smith","startTime":2822.74,"endTime":2825.3199999999997,"body":"common problem. I've actually"},{"speaker":"Alan Smith","startTime":2822.74,"endTime":2825.3199999999997,"body":"got a call later on today with"},{"speaker":"Alan Smith","startTime":2825.3199999999997,"endTime":2829.04,"body":"another very successful adviser"},{"speaker":"Alan Smith","startTime":2825.3199999999997,"endTime":2829.04,"body":"who'd like to talk about this,"},{"speaker":"Alan Smith","startTime":2829.04,"endTime":2831.7999999999997,"body":"it might be the subject of a"},{"speaker":"Alan Smith","startTime":2829.04,"endTime":2831.7999999999997,"body":"future meat, potatoes or"},{"speaker":"Alan Smith","startTime":2831.7999999999997,"endTime":2836.06,"body":"something is kind of the natural"},{"speaker":"Alan Smith","startTime":2831.7999999999997,"endTime":2836.06,"body":"evolution as you grow. From"},{"speaker":"Alan Smith","startTime":2836.06,"endTime":2838.0699999999997,"body":"being a sort of full time"},{"speaker":"Alan Smith","startTime":2836.06,"endTime":2838.0699999999997,"body":"financial planner, and then"},{"speaker":"Alan Smith","startTime":2838.0699999999997,"endTime":2840.74,"body":"strategically in running the"},{"speaker":"Alan Smith","startTime":2838.0699999999997,"endTime":2840.74,"body":"business and the CEO kind of"},{"speaker":"Alan Smith","startTime":2840.74,"endTime":2843.08,"body":"role, which is a different role."},{"speaker":"Alan Smith","startTime":2840.74,"endTime":2843.08,"body":"And the both have full time"},{"speaker":"Alan Smith","startTime":2843.08,"endTime":2845.33,"body":"roles. And something has to"},{"speaker":"Alan Smith","startTime":2843.08,"endTime":2845.33,"body":"give. So it could be an"},{"speaker":"Alan Smith","startTime":2845.33,"endTime":2848.12,"body":"interesting conversation in the"},{"speaker":"Alan Smith","startTime":2845.33,"endTime":2848.12,"body":"future. But yeah, good. Good"},{"speaker":"Alan Smith","startTime":2848.12,"endTime":2848.66,"body":"points."},{"speaker":"Carl Widger","startTime":2849.5899999999997,"endTime":2849.95,"body":"Thank you."},{"speaker":"Nick Lincoln","startTime":2850.7,"endTime":2852.8599999999997,"body":"Hockey lucky. So"},{"speaker":"Nick Lincoln","startTime":2850.7,"endTime":2852.8599999999997,"body":"round to me, then the two"},{"speaker":"Nick Lincoln","startTime":2852.8599999999997,"endTime":2859.58,"body":"lessons that I learned in 2023."},{"speaker":"Nick Lincoln","startTime":2852.8599999999997,"endTime":2859.58,"body":"And again, Alan, this may be"},{"speaker":"Nick Lincoln","startTime":2859.79,"endTime":2863.99,"body":"just a bit too much. So what but"},{"speaker":"Nick Lincoln","startTime":2859.79,"endTime":2863.99,"body":"so what the lesson I've learned"},{"speaker":"Nick Lincoln","startTime":2863.99,"endTime":2866.2999999999997,"body":"is that we we say this a lot,"},{"speaker":"Nick Lincoln","startTime":2863.99,"endTime":2866.2999999999997,"body":"but we do come live in a"},{"speaker":"Nick Lincoln","startTime":2866.2999999999997,"endTime":2870.95,"body":"goldfish bowl to a degree. And"},{"speaker":"Nick Lincoln","startTime":2866.2999999999997,"endTime":2870.95,"body":"we think the entire world, our"},{"speaker":"Nick Lincoln","startTime":2870.95,"endTime":2873.1099999999997,"body":"world is doing the same out"},{"speaker":"Nick Lincoln","startTime":2870.95,"endTime":2873.1099999999997,"body":"there that we do in our little"},{"speaker":"Nick Lincoln","startTime":2873.1099999999997,"endTime":2876.02,"body":"goldfish bowl, and we don't and"},{"speaker":"Nick Lincoln","startTime":2873.1099999999997,"endTime":2876.02,"body":"our work is never done. It's"},{"speaker":"Nick Lincoln","startTime":2876.02,"endTime":2878.48,"body":"just incredible. I think we take"},{"speaker":"Nick Lincoln","startTime":2876.02,"endTime":2878.48,"body":"for granted that sometimes we're"},{"speaker":"Nick Lincoln","startTime":2878.48,"endTime":2881.0299999999997,"body":"kind of achieving this, this"},{"speaker":"Nick Lincoln","startTime":2878.48,"endTime":2881.0299999999997,"body":"Nirvana where everyone's"},{"speaker":"Nick Lincoln","startTime":2881.0299999999997,"endTime":2883.88,"body":"switched on to real financial"},{"speaker":"Nick Lincoln","startTime":2881.0299999999997,"endTime":2883.88,"body":"planning. And Joe Public gets"},{"speaker":"Nick Lincoln","startTime":2883.88,"endTime":2887.12,"body":"I'm telling the never will that"},{"speaker":"Nick Lincoln","startTime":2883.88,"endTime":2887.12,"body":"Morgan Stanley thing that I use"},{"speaker":"Nick Lincoln","startTime":2887.12,"endTime":2889.46,"body":"the tropical tidbits whether you"},{"speaker":"Nick Lincoln","startTime":2887.12,"endTime":2889.46,"body":"can find a million examples of"},{"speaker":"Nick Lincoln","startTime":2889.46,"endTime":2891.41,"body":"that stuff still being pumped"},{"speaker":"Nick Lincoln","startTime":2889.46,"endTime":2891.41,"body":"out there that we have to"},{"speaker":"Nick Lincoln","startTime":2891.41,"endTime":2894.68,"body":"protect people from the filth of"},{"speaker":"Nick Lincoln","startTime":2891.41,"endTime":2894.68,"body":"the mainstream media, Paul"},{"speaker":"Nick Lincoln","startTime":2894.68,"endTime":2897.71,"body":"Lewis's comments that I picked"},{"speaker":"Nick Lincoln","startTime":2894.68,"endTime":2897.71,"body":"up on the end of last year, and"},{"speaker":"Nick Lincoln","startTime":2897.71,"endTime":2900.68,"body":"I wrote an article for him, I"},{"speaker":"Nick Lincoln","startTime":2897.71,"endTime":2900.68,"body":"surely seem to be a watering"},{"speaker":"Nick Lincoln","startTime":2900.68,"endTime":2903.71,"body":"newsletter, who's Paul Lewis is"},{"speaker":"Nick Lincoln","startTime":2900.68,"endTime":2903.71,"body":"highly influential financial"},{"speaker":"Nick Lincoln","startTime":2903.71,"endTime":2906.38,"body":"journalist who's kept his"},{"speaker":"Nick Lincoln","startTime":2903.71,"endTime":2906.38,"body":"pension funding cash for the"},{"speaker":"Nick Lincoln","startTime":2906.38,"endTime":2910.0099999999998,"body":"last 10 years and is immensely"},{"speaker":"Nick Lincoln","startTime":2906.38,"endTime":2910.0099999999998,"body":"proud about it. So our work is"},{"speaker":"Nick Lincoln","startTime":2910.0099999999998,"endTime":2911.99,"body":"never done. That's the lesson"},{"speaker":"Nick Lincoln","startTime":2910.0099999999998,"endTime":2911.99,"body":"I've got to remember, we've got"},{"speaker":"Nick Lincoln","startTime":2911.99,"endTime":2914.2999999999997,"body":"to be vocal, we've got to be"},{"speaker":"Nick Lincoln","startTime":2911.99,"endTime":2914.2999999999997,"body":"passionate about what we do real"},{"speaker":"Nick Lincoln","startTime":2914.2999999999997,"endTime":2919.79,"body":"financial advice is still"},{"speaker":"Nick Lincoln","startTime":2914.2999999999997,"endTime":2919.79,"body":"absolutely tiny sliver of what"},{"speaker":"Nick Lincoln","startTime":2919.79,"endTime":2922.3399999999997,"body":"it could be. And it'll never be"},{"speaker":"Nick Lincoln","startTime":2919.79,"endTime":2922.3399999999997,"body":"more than that. And that, you"},{"speaker":"Nick Lincoln","startTime":2922.3399999999997,"endTime":2924.5299999999997,"body":"know, is fine, but we just got"},{"speaker":"Nick Lincoln","startTime":2922.3399999999997,"endTime":2924.5299999999997,"body":"the concept. And the second"},{"speaker":"Nick Lincoln","startTime":2924.5299999999997,"endTime":2928.22,"body":"lesson is dovetailing of that"},{"speaker":"Nick Lincoln","startTime":2924.5299999999997,"endTime":2928.22,"body":"again, sorry, and this is also a"},{"speaker":"Nick Lincoln","startTime":2928.22,"endTime":2931.52,"body":"bit so what is the volume, your"},{"speaker":"Nick Lincoln","startTime":2928.22,"endTime":2931.52,"body":"ideal client profile clients or"},{"speaker":"Nick Lincoln","startTime":2931.52,"endTime":2935.39,"body":"prospects who come to you still"},{"speaker":"Nick Lincoln","startTime":2931.52,"endTime":2935.39,"body":"don't have any clue as to what"},{"speaker":"Nick Lincoln","startTime":2935.39,"endTime":2938.39,"body":"you actually do until until they"},{"speaker":"Nick Lincoln","startTime":2935.39,"endTime":2938.39,"body":"sit down with you. So again,"},{"speaker":"Nick Lincoln","startTime":2938.39,"endTime":2941.5099999999998,"body":"it's just being it's not making"},{"speaker":"Nick Lincoln","startTime":2938.39,"endTime":2941.5099999999998,"body":"any assumptions. It's just"},{"speaker":"Nick Lincoln","startTime":2941.5099999999998,"endTime":2944.6,"body":"having really great discovery"},{"speaker":"Nick Lincoln","startTime":2941.5099999999998,"endTime":2944.6,"body":"meetings, using whatever means"},{"speaker":"Nick Lincoln","startTime":2944.6,"endTime":2947.21,"body":"you can whether it's the bucket,"},{"speaker":"Nick Lincoln","startTime":2944.6,"endTime":2947.21,"body":"whether it's showing them a very"},{"speaker":"Nick Lincoln","startTime":2947.21,"endTime":2950.15,"body":"quick cash flow graph from a"},{"speaker":"Nick Lincoln","startTime":2947.21,"endTime":2950.15,"body":"mock up client or whatever,"},{"speaker":"Nick Lincoln","startTime":2950.33,"endTime":2954.0499999999997,"body":"giving them something to look"},{"speaker":"Nick Lincoln","startTime":2950.33,"endTime":2954.0499999999997,"body":"at. And understand and not using"},{"speaker":"Nick Lincoln","startTime":2954.0499999999997,"endTime":2957.56,"body":"the jargon and terminology and"},{"speaker":"Nick Lincoln","startTime":2954.0499999999997,"endTime":2957.56,"body":"getting into conversations about"},{"speaker":"Nick Lincoln","startTime":2957.56,"endTime":2959.45,"body":"oh, you know, your pension"},{"speaker":"Nick Lincoln","startTime":2957.56,"endTime":2959.45,"body":"funds, fourth quarter, we can"},{"speaker":"Nick Lincoln","startTime":2959.45,"endTime":2964.37,"body":"get up to second. It just just,"},{"speaker":"Nick Lincoln","startTime":2959.45,"endTime":2964.37,"body":"we real financial planning is"},{"speaker":"Nick Lincoln","startTime":2964.37,"endTime":2969.02,"body":"such an esoteric art form and it"},{"speaker":"Nick Lincoln","startTime":2964.37,"endTime":2969.02,"body":"is art as much as science, and"},{"speaker":"Nick Lincoln","startTime":2969.02,"endTime":2971.99,"body":"very few people do it and no one"},{"speaker":"Nick Lincoln","startTime":2969.02,"endTime":2971.99,"body":"out there knows anything about"},{"speaker":"Nick Lincoln","startTime":2971.99,"endTime":2974.81,"body":"it. Those are the two lessons"},{"speaker":"Nick Lincoln","startTime":2971.99,"endTime":2974.81,"body":"I'm going to learn. I think for"},{"speaker":"Nick Lincoln","startTime":2974.8399999999997,"endTime":2978.95,"body":"for 2024. Try and retain when I"},{"speaker":"Nick Lincoln","startTime":2974.8399999999997,"endTime":2978.95,"body":"communicate with people, Mr."},{"speaker":"Nick Lincoln","startTime":2978.95,"endTime":2980.0899999999997,"body":"Smith"},{"speaker":"Alan Smith","startTime":2986.54,"endTime":2988.7599999999998,"body":"number one thing I"},{"speaker":"Alan Smith","startTime":2986.54,"endTime":2988.7599999999998,"body":"did wrong last year, was I"},{"speaker":"Alan Smith","startTime":2988.8199999999997,"endTime":2994.31,"body":"overcommitted? I said yes to"},{"speaker":"Alan Smith","startTime":2988.8199999999997,"endTime":2994.31,"body":"pretty much everything. I spoke"},{"speaker":"Alan Smith","startTime":2994.31,"endTime":2997.88,"body":"it God knows how many events and"},{"speaker":"Alan Smith","startTime":2994.31,"endTime":2997.88,"body":"the hearts event Abraham's"},{"speaker":"Alan Smith","startTime":2997.88,"endTime":3000.2799999999997,"body":"event, Lee Robertson's event,"},{"speaker":"Alan Smith","startTime":2997.88,"endTime":3000.2799999999997,"body":"money marketing events,"},{"speaker":"Alan Smith","startTime":3000.2799999999997,"endTime":3003.37,"body":"gardeners, all sorts of other"},{"speaker":"Alan Smith","startTime":3000.2799999999997,"endTime":3003.37,"body":"things. My profile was pretty"},{"speaker":"Alan Smith","startTime":3003.37,"endTime":3007.12,"body":"high. Last year, I wrote"},{"speaker":"Alan Smith","startTime":3003.37,"endTime":3007.12,"body":"articles for the trade press"},{"speaker":"Alan Smith","startTime":3007.12,"endTime":3009.25,"body":"that a lot of others, and it was"},{"speaker":"Alan Smith","startTime":3007.12,"endTime":3009.25,"body":"kind of all over the place I"},{"speaker":"Alan Smith","startTime":3009.25,"endTime":3012.13,"body":"just said and all those things"},{"speaker":"Alan Smith","startTime":3009.25,"endTime":3012.13,"body":"you say yes. And the moments"},{"speaker":"Alan Smith","startTime":3013.63,"endTime":3016.96,"body":"they just they take time to take"},{"speaker":"Alan Smith","startTime":3013.63,"endTime":3016.96,"body":"effort and they remove you from"},{"speaker":"Alan Smith","startTime":3018.5499999999997,"endTime":3020.29,"body":"what you're really supposed to"},{"speaker":"Alan Smith","startTime":3018.5499999999997,"endTime":3020.29,"body":"be doing."},{"speaker":"Andy Hart","startTime":3021.7,"endTime":3023.65,"body":"And the stuff at the"},{"speaker":"Andy Hart","startTime":3021.7,"endTime":3023.65,"body":"top note, well, what do you what"},{"speaker":"Andy Hart","startTime":3023.65,"endTime":3023.71,"body":"do"},{"speaker":"Alan Smith","startTime":3023.71,"endTime":3025.87,"body":"you say when you're"},{"speaker":"Alan Smith","startTime":3023.71,"endTime":3025.87,"body":"when you're trying to get"},{"speaker":"Alan Smith","startTime":3025.87,"endTime":3029.56,"body":"famous? You say yes to"},{"speaker":"Alan Smith","startTime":3025.87,"endTime":3029.56,"body":"everything. It's your phrase?"},{"speaker":"Alan Smith","startTime":3029.83,"endTime":3030.37,"body":"Yeah. If"},{"speaker":"Andy Hart","startTime":3030.37,"endTime":3032.08,"body":"you want to be fine."},{"speaker":"Andy Hart","startTime":3030.37,"endTime":3032.08,"body":"Well, we've been we've been"},{"speaker":"Nick Lincoln","startTime":3033.6099999999997,"endTime":3035.38,"body":"management. So"},{"speaker":"Nick Lincoln","startTime":3033.6099999999997,"endTime":3035.38,"body":"it's a warren"},{"speaker":"Andy Hart","startTime":3035.38,"endTime":3037.42,"body":"buffett thing. Yeah,"},{"speaker":"Andy Hart","startTime":3035.38,"endTime":3037.42,"body":"exactly."},{"speaker":"Alan Smith","startTime":3037.42,"endTime":3040.8399999999997,"body":"Yeah. He says no to"},{"speaker":"Alan Smith","startTime":3037.42,"endTime":3040.8399999999997,"body":"everything. Which was a lesson"},{"speaker":"Alan Smith","startTime":3040.87,"endTime":3044.38,"body":"to be learned. The other thing"},{"speaker":"Alan Smith","startTime":3040.87,"endTime":3044.38,"body":"was it was inconsistency. I was"},{"speaker":"Alan Smith","startTime":3044.38,"endTime":3047.98,"body":"kind of, there's a rumor out"},{"speaker":"Alan Smith","startTime":3044.38,"endTime":3047.98,"body":"there that I've got a kind of"},{"speaker":"Alan Smith","startTime":3047.98,"endTime":3051.31,"body":"Magpie brain, and I'm just sort"},{"speaker":"Alan Smith","startTime":3047.98,"endTime":3051.31,"body":"of floating around this, like"},{"speaker":"Alan Smith","startTime":3051.31,"endTime":3054.73,"body":"shiny new objects. Well, there"},{"speaker":"Alan Smith","startTime":3051.31,"endTime":3054.73,"body":"was some truth in it last year,"},{"speaker":"Alan Smith","startTime":3054.73,"endTime":3057.49,"body":"you know, AIB broke through last"},{"speaker":"Alan Smith","startTime":3054.73,"endTime":3057.49,"body":"year. I spent a lot of time now"},{"speaker":"Alan Smith","startTime":3057.49,"endTime":3058.96,"body":"that there's, you know, we're"},{"speaker":"Alan Smith","startTime":3057.49,"endTime":3058.96,"body":"not going to talk about it right"},{"speaker":"Alan Smith","startTime":3058.96,"endTime":3061.0299999999997,"body":"now. There's a lot of huge"},{"speaker":"Alan Smith","startTime":3058.96,"endTime":3061.0299999999997,"body":"amounts of potential. We're"},{"speaker":"Alan Smith","startTime":3061.0299999999997,"endTime":3065.47,"body":"using some things already but"},{"speaker":"Alan Smith","startTime":3061.0299999999997,"endTime":3065.47,"body":"but it was kind of all over the"},{"speaker":"Alan Smith","startTime":3065.47,"endTime":3068.98,"body":"shop, really in terms of Yeah,"},{"speaker":"Alan Smith","startTime":3065.47,"endTime":3068.98,"body":"so I was just I was kind of"},{"speaker":"Alan Smith","startTime":3068.98,"endTime":3072.19,"body":"disorganized. So I overcommitted"},{"speaker":"Alan Smith","startTime":3068.98,"endTime":3072.19,"body":"and I was I was inconsistent."},{"speaker":"Alan Smith","startTime":3072.19,"endTime":3073.75,"body":"Those are the learnings and"},{"speaker":"Alan Smith","startTime":3072.19,"endTime":3073.75,"body":"those are the things I'm going"},{"speaker":"Alan Smith","startTime":3073.75,"endTime":3077.1099999999997,"body":"to do different this year."},{"speaker":"Alan Smith","startTime":3073.75,"endTime":3077.1099999999997,"body":"Cheers."},{"speaker":"Nick Lincoln","startTime":3078.7889999999998,"endTime":3081.219,"body":"Okey dokey great"},{"speaker":"Nick Lincoln","startTime":3078.7889999999998,"endTime":3081.219,"body":"stuff. Mr. Hart, I will not"},{"speaker":"Nick Lincoln","startTime":3081.219,"endTime":3082.989,"body":"forget you this time. I do"},{"speaker":"Nick Lincoln","startTime":3081.219,"endTime":3082.989,"body":"apologize for last time."},{"speaker":"Andy Hart","startTime":3083.5,"endTime":3086.89,"body":"We keep it short and"},{"speaker":"Andy Hart","startTime":3083.5,"endTime":3086.89,"body":"sweet. bit a bit off topic. But"},{"speaker":"Andy Hart","startTime":3091.8399999999997,"endTime":3095.56,"body":"when I read the script for the"},{"speaker":"Andy Hart","startTime":3091.8399999999997,"endTime":3095.56,"body":"show, I thought it was two"},{"speaker":"Andy Hart","startTime":3095.56,"endTime":3098.2599999999998,"body":"things that you've learned from"},{"speaker":"Andy Hart","startTime":3095.56,"endTime":3098.2599999999998,"body":"last year, not sort of sort of"},{"speaker":"Andy Hart","startTime":3098.47,"endTime":3101.2,"body":"things that you've sort of made"},{"speaker":"Andy Hart","startTime":3098.47,"endTime":3101.2,"body":"mistakes. Anyway, whatever, I'll"},{"speaker":"Andy Hart","startTime":3101.3199999999997,"endTime":3105.97,"body":"keep it simple. I'm not really a"},{"speaker":"Andy Hart","startTime":3101.3199999999997,"endTime":3105.97,"body":"fan of goals. I think people"},{"speaker":"Andy Hart","startTime":3105.97,"endTime":3108.97,"body":"should try and acquire new"},{"speaker":"Andy Hart","startTime":3105.97,"endTime":3108.97,"body":"skills that will then lead to"},{"speaker":"Andy Hart","startTime":3108.97,"endTime":3111.46,"body":"goals. When people set goals,"},{"speaker":"Andy Hart","startTime":3108.97,"endTime":3111.46,"body":"they're just that they're quite"},{"speaker":"Andy Hart","startTime":3111.46,"endTime":3116.14,"body":"loose. So I'm a fan of learning"},{"speaker":"Andy Hart","startTime":3111.46,"endTime":3116.14,"body":"new skills anyway. So a skill I"},{"speaker":"Andy Hart","startTime":3116.14,"endTime":3119.77,"body":"learned last year was PowerPoint"},{"speaker":"Andy Hart","startTime":3116.14,"endTime":3119.77,"body":"sounds a bit lame, but I need to"},{"speaker":"Andy Hart","startTime":3119.7999999999997,"endTime":3123.49,"body":"up my skills on it. Anyway. So"},{"speaker":"Andy Hart","startTime":3119.7999999999997,"endTime":3123.49,"body":"that's, that's what I'm"},{"speaker":"Andy Hart","startTime":3123.67,"endTime":3125.74,"body":"basically just trying to say"},{"speaker":"Andy Hart","startTime":3123.67,"endTime":3125.74,"body":"don't set goals, learn new"},{"speaker":"Andy Hart","startTime":3125.74,"endTime":3128.68,"body":"skills. So if this year, you've"},{"speaker":"Andy Hart","startTime":3125.74,"endTime":3128.68,"body":"got a lot of stuff to achieve,"},{"speaker":"Andy Hart","startTime":3129.0099999999998,"endTime":3133.0,"body":"rather than saying, I'm going to"},{"speaker":"Andy Hart","startTime":3129.0099999999998,"endTime":3133.0,"body":"do X buy then or why buy then"},{"speaker":"Andy Hart","startTime":3133.42,"endTime":3137.17,"body":"just learn new skills like this"},{"speaker":"Andy Hart","startTime":3133.42,"endTime":3137.17,"body":"called your your skill stack, as"},{"speaker":"Andy Hart","startTime":3137.2,"endTime":3142.39,"body":"Scott Adams talks about? And"},{"speaker":"Andy Hart","startTime":3137.2,"endTime":3142.39,"body":"yeah, that's a final point. My"},{"speaker":"Andy Hart","startTime":3142.39,"endTime":3146.5299999999997,"body":"next learning is, it's an"},{"speaker":"Andy Hart","startTime":3142.39,"endTime":3146.5299999999997,"body":"investing point. But principles"},{"speaker":"Andy Hart","startTime":3146.5299999999997,"endTime":3151.48,"body":"we'll see through the 2023. The"},{"speaker":"Andy Hart","startTime":3146.5299999999997,"endTime":3151.48,"body":"facts did change. Yeah, interest"},{"speaker":"Andy Hart","startTime":3151.48,"endTime":3157.0,"body":"rates went through the roof,"},{"speaker":"Andy Hart","startTime":3151.48,"endTime":3157.0,"body":"cash was finally attractive. But"},{"speaker":"Andy Hart","startTime":3157.0299999999997,"endTime":3160.18,"body":"still, the principles apply, you"},{"speaker":"Andy Hart","startTime":3157.0299999999997,"endTime":3160.18,"body":"know, human ingenuity, invest in"},{"speaker":"Andy Hart","startTime":3160.18,"endTime":3162.67,"body":"human ingenuity, the stock"},{"speaker":"Andy Hart","startTime":3160.18,"endTime":3162.67,"body":"market is human ingenuity"},{"speaker":"Andy Hart","startTime":3162.67,"endTime":3165.67,"body":"captured, you know, global"},{"speaker":"Andy Hart","startTime":3162.67,"endTime":3165.67,"body":"equities, all of these facts"},{"speaker":"Andy Hart","startTime":3165.67,"endTime":3168.49,"body":"change, you know, you're"},{"speaker":"Andy Hart","startTime":3165.67,"endTime":3168.49,"body":"predominantly invested in these"},{"speaker":"Andy Hart","startTime":3168.49,"endTime":3174.31,"body":"500. Companies that have 500"},{"speaker":"Andy Hart","startTime":3168.49,"endTime":3174.31,"body":"CEOs, that all 500 are making"},{"speaker":"Andy Hart","startTime":3174.5499999999997,"endTime":3178.0299999999997,"body":"decisions around all the facts"},{"speaker":"Andy Hart","startTime":3174.5499999999997,"endTime":3178.0299999999997,"body":"that have changed. And that's"},{"speaker":"Andy Hart","startTime":3178.0299999999997,"endTime":3180.94,"body":"why the stock market will always"},{"speaker":"Andy Hart","startTime":3178.0299999999997,"endTime":3180.94,"body":"outsmart anything that's thrown"},{"speaker":"Andy Hart","startTime":3180.94,"endTime":3183.43,"body":"in it, because you've got real"},{"speaker":"Andy Hart","startTime":3180.94,"endTime":3183.43,"body":"people making real decisions"},{"speaker":"Andy Hart","startTime":3183.43,"endTime":3186.7599999999998,"body":"based on the new facts have been"},{"speaker":"Andy Hart","startTime":3183.43,"endTime":3186.7599999999998,"body":"presented to us. So the"},{"speaker":"Andy Hart","startTime":3186.7599999999998,"endTime":3188.62,"body":"principles never change, even"},{"speaker":"Andy Hart","startTime":3186.7599999999998,"endTime":3188.62,"body":"though the facts will always"},{"speaker":"Andy Hart","startTime":3188.62,"endTime":3192.31,"body":"change. So again, it's just"},{"speaker":"Andy Hart","startTime":3188.62,"endTime":3192.31,"body":"hammering home that point. And"},{"speaker":"Andy Hart","startTime":3192.31,"endTime":3195.73,"body":"2023 was challenging from that"},{"speaker":"Andy Hart","startTime":3192.31,"endTime":3195.73,"body":"point of view. And during the"},{"speaker":"Andy Hart","startTime":3195.73,"endTime":3198.58,"body":"sidewards years, the downwards"},{"speaker":"Andy Hart","startTime":3195.73,"endTime":3198.58,"body":"markets, that's when great"},{"speaker":"Andy Hart","startTime":3198.58,"endTime":3201.49,"body":"advisors stand tall, you know,"},{"speaker":"Andy Hart","startTime":3198.58,"endTime":3201.49,"body":"during the times and the markets"},{"speaker":"Andy Hart","startTime":3201.49,"endTime":3205.42,"body":"are flying. I mean, any idiot"},{"speaker":"Andy Hart","startTime":3201.49,"endTime":3205.42,"body":"can make a sort of living out of"},{"speaker":"Andy Hart","startTime":3205.42,"endTime":3210.16,"body":"it. The absolute shambles. Yeah,"},{"speaker":"Andy Hart","startTime":3205.42,"endTime":3210.16,"body":"back to this prediction thing. I"},{"speaker":"Andy Hart","startTime":3210.16,"endTime":3213.22,"body":"mean, the stock market is"},{"speaker":"Andy Hart","startTime":3210.16,"endTime":3213.22,"body":"generally going up 75% At the"},{"speaker":"Andy Hart","startTime":3213.22,"endTime":3217.42,"body":"time, and going down 25% At the"},{"speaker":"Andy Hart","startTime":3213.22,"endTime":3217.42,"body":"time, so if I was a pirate and"},{"speaker":"Andy Hart","startTime":3217.42,"endTime":3219.88,"body":"pinstripe was asked to do a"},{"speaker":"Andy Hart","startTime":3217.42,"endTime":3219.88,"body":"prediction every year, I would"},{"speaker":"Andy Hart","startTime":3219.88,"endTime":3224.08,"body":"just go with the data 75% the"},{"speaker":"Andy Hart","startTime":3219.88,"endTime":3224.08,"body":"time in the markets going up and"},{"speaker":"Andy Hart","startTime":3224.08,"endTime":3229.75,"body":"advancing 25% of the time, it's"},{"speaker":"Andy Hart","startTime":3224.08,"endTime":3229.75,"body":"temporarily declining. So, you"},{"speaker":"Andy Hart","startTime":3229.75,"endTime":3231.91,"body":"know, these are these are"},{"speaker":"Andy Hart","startTime":3229.75,"endTime":3231.91,"body":"numbers, people that are asked"},{"speaker":"Andy Hart","startTime":3231.91,"endTime":3236.5,"body":"to make these predictions. So"},{"speaker":"Andy Hart","startTime":3231.91,"endTime":3236.5,"body":"you would just go high, because"},{"speaker":"Andy Hart","startTime":3236.5,"endTime":3239.5899999999997,"body":"you got to 75%, you got a three"},{"speaker":"Andy Hart","startTime":3236.5,"endTime":3239.5899999999997,"body":"to one odds in your favor."},{"speaker":"Andy Hart","startTime":3240.0099999999998,"endTime":3240.94,"body":"Anyway, that's it,"},{"speaker":"Nick Lincoln","startTime":3241.2999999999997,"endTime":3244.06,"body":"it bleeds it"},{"speaker":"Nick Lincoln","startTime":3241.2999999999997,"endTime":3244.06,"body":"leads, isn't it people you know,"},{"speaker":"Nick Lincoln","startTime":3244.06,"endTime":3247.54,"body":"the Morgan Stanley expert says"},{"speaker":"Nick Lincoln","startTime":3244.06,"endTime":3247.54,"body":"markets gonna tumble it's like,"},{"speaker":"Nick Lincoln","startTime":3247.5699999999997,"endTime":3248.02,"body":"oh, shit, but"},{"speaker":"Andy Hart","startTime":3248.2599999999998,"endTime":3250.9,"body":"if you just follow"},{"speaker":"Andy Hart","startTime":3248.2599999999998,"endTime":3250.9,"body":"the data, and you just said it's"},{"speaker":"Andy Hart","startTime":3250.9,"endTime":3254.38,"body":"gonna go up, it's gonna go up by"},{"speaker":"Andy Hart","startTime":3250.9,"endTime":3254.38,"body":"10% Next year, you know, that's"},{"speaker":"Andy Hart","startTime":3254.38,"endTime":3258.73,"body":"roughly where we're going to end"},{"speaker":"Andy Hart","startTime":3254.38,"endTime":3258.73,"body":"up and you'll be you'll be right"},{"speaker":"Andy Hart","startTime":3258.73,"endTime":3261.43,"body":"or more correct than all these"},{"speaker":"Andy Hart","startTime":3258.73,"endTime":3261.43,"body":"other idiots. It's just"},{"speaker":"Andy Hart","startTime":3261.43,"endTime":3262.72,"body":"ridiculous. Anyway, back to you."},{"speaker":"Andy Hart","startTime":3261.43,"endTime":3262.72,"body":"Thank"},{"speaker":"Nick Lincoln","startTime":3262.72,"endTime":3265.5699999999997,"body":"you, Andrew. So"},{"speaker":"Nick Lincoln","startTime":3262.72,"endTime":3265.5699999999997,"body":"Ultra has just slacked off the"},{"speaker":"Nick Lincoln","startTime":3265.5699999999997,"endTime":3269.14,"body":"purpose, that point of setting"},{"speaker":"Nick Lincoln","startTime":3265.5699999999997,"endTime":3269.14,"body":"goals and three to one The final"},{"speaker":"Nick Lincoln","startTime":3269.14,"endTime":3273.85,"body":"thing and I think is gold. So"},{"speaker":"Nick Lincoln","startTime":3269.14,"endTime":3273.85,"body":"then a bunch of What's your goal"},{"speaker":"Nick Lincoln","startTime":3273.85,"endTime":3276.94,"body":"for 2024? So"},{"speaker":"Carl Widger","startTime":3280.0899999999997,"endTime":3284.41,"body":"I'm loving that"},{"speaker":"Carl Widger","startTime":3280.0899999999997,"endTime":3284.41,"body":"drumroll. Anyway. Yeah, Alan."},{"speaker":"Carl Widger","startTime":3286.06,"endTime":3291.16,"body":"Alan mentioned the word"},{"speaker":"Carl Widger","startTime":3286.06,"endTime":3291.16,"body":"intentional. working and living"},{"speaker":"Carl Widger","startTime":3291.16,"endTime":3299.17,"body":"for me. So I I've been down the"},{"speaker":"Carl Widger","startTime":3291.16,"endTime":3299.17,"body":"burnout road before, right? And"},{"speaker":"Carl Widger","startTime":3299.17,"endTime":3301.6,"body":"you'd imagine, well, if you've"},{"speaker":"Carl Widger","startTime":3299.17,"endTime":3301.6,"body":"been down there once, you"},{"speaker":"Carl Widger","startTime":3301.6,"endTime":3304.15,"body":"wouldn't let it happen again, I"},{"speaker":"Carl Widger","startTime":3301.6,"endTime":3304.15,"body":"nearly let it happen again, this"},{"speaker":"Carl Widger","startTime":3304.15,"endTime":3308.08,"body":"year, I spent Christmas nursing"},{"speaker":"Carl Widger","startTime":3304.15,"endTime":3308.08,"body":"a bit of a cold and the reason"},{"speaker":"Carl Widger","startTime":3308.08,"endTime":3311.0499999999997,"body":"I'm standing today is because I"},{"speaker":"Carl Widger","startTime":3308.08,"endTime":3311.0499999999997,"body":"popped a disc in my back. So for"},{"speaker":"Carl Widger","startTime":3311.0499999999997,"endTime":3314.95,"body":"me, that's my body going dude,"},{"speaker":"Carl Widger","startTime":3311.0499999999997,"endTime":3314.95,"body":"sort something out here because"},{"speaker":"Carl Widger","startTime":3314.98,"endTime":3319.81,"body":"otherwise you're on a slow road"},{"speaker":"Carl Widger","startTime":3314.98,"endTime":3319.81,"body":"to nowhere. So for me it's to be"},{"speaker":"Carl Widger","startTime":3319.81,"endTime":3322.5699999999997,"body":"really intentional about looking"},{"speaker":"Carl Widger","startTime":3319.81,"endTime":3322.5699999999997,"body":"after myself so that you know,"},{"speaker":"Carl Widger","startTime":3322.6,"endTime":3326.0499999999997,"body":"my job here at matters is we"},{"speaker":"Carl Widger","startTime":3322.6,"endTime":3326.0499999999997,"body":"have a really good thing going"},{"speaker":"Carl Widger","startTime":3326.35,"endTime":3334.24,"body":"so if I can be the best type of"},{"speaker":"Carl Widger","startTime":3326.35,"endTime":3334.24,"body":"you know, leader to be a"},{"speaker":"Carl Widger","startTime":3334.24,"endTime":3339.49,"body":"visionary to inspire people well"},{"speaker":"Carl Widger","startTime":3334.24,"endTime":3339.49,"body":"then that's, that's where I'm"},{"speaker":"Carl Widger","startTime":3339.49,"endTime":3342.91,"body":"going to have the most impact"},{"speaker":"Carl Widger","startTime":3339.49,"endTime":3342.91,"body":"and that's where this team needs"},{"speaker":"Carl Widger","startTime":3342.91,"endTime":3347.56,"body":"me most. So I need to in order"},{"speaker":"Carl Widger","startTime":3342.91,"endTime":3347.56,"body":"to do that, and the same for"},{"speaker":"Carl Widger","startTime":3347.56,"endTime":3351.88,"body":"home for my kids you know, to in"},{"speaker":"Carl Widger","startTime":3347.56,"endTime":3351.88,"body":"order to be the best dad at home"},{"speaker":"Carl Widger","startTime":3352.0,"endTime":3356.0499999999997,"body":"and the best leader at Metis I"},{"speaker":"Carl Widger","startTime":3352.0,"endTime":3356.0499999999997,"body":"need to look after myself number"},{"speaker":"Carl Widger","startTime":3356.0499999999997,"endTime":3360.7,"body":"one and look you know, that"},{"speaker":"Carl Widger","startTime":3356.0499999999997,"endTime":3360.7,"body":"sounds awfully selfish and self"},{"speaker":"Carl Widger","startTime":3360.7,"endTime":3361.7799999999997,"body":"indulgent and all of that."},{"speaker":"Nick Lincoln","startTime":3362.44,"endTime":3366.22,"body":"That sounds that"},{"speaker":"Nick Lincoln","startTime":3362.44,"endTime":3366.22,"body":"sounds muddy. Yeah, and"},{"speaker":"Carl Widger","startTime":3366.25,"endTime":3369.22,"body":"look you You three"},{"speaker":"Carl Widger","startTime":3366.25,"endTime":3369.22,"body":"guys are great accountability"},{"speaker":"Carl Widger","startTime":3369.22,"endTime":3372.79,"body":"partners for me and when I'm"},{"speaker":"Carl Widger","startTime":3369.22,"endTime":3372.79,"body":"stepping over the edge and gone"},{"speaker":"Carl Widger","startTime":3372.79,"endTime":3377.29,"body":"towards Yeah, but it's not"},{"speaker":"Carl Widger","startTime":3372.79,"endTime":3377.29,"body":"bullshit in I do have great"},{"speaker":"Carl Widger","startTime":3377.29,"endTime":3381.94,"body":"support around me in terms of"},{"speaker":"Carl Widger","startTime":3377.29,"endTime":3381.94,"body":"friends, family colleagues, and"},{"speaker":"Carl Widger","startTime":3381.94,"endTime":3387.31,"body":"I'm going to be listening to"},{"speaker":"Carl Widger","startTime":3381.94,"endTime":3387.31,"body":"that advice. And I'm actually"},{"speaker":"Carl Widger","startTime":3388.0,"endTime":3393.5499999999997,"body":"really, really excited as to why"},{"speaker":"Carl Widger","startTime":3388.0,"endTime":3393.5499999999997,"body":"2024 is gonna bring, I feel it's"},{"speaker":"Carl Widger","startTime":3393.5499999999997,"endTime":3397.21,"body":"gonna be my best year ever, I"},{"speaker":"Carl Widger","startTime":3393.5499999999997,"endTime":3397.21,"body":"really, really do. So very, very"},{"speaker":"Carl Widger","startTime":3397.21,"endTime":3398.47,"body":"excited. Your"},{"speaker":"Alan Smith","startTime":3398.47,"endTime":3401.3199999999997,"body":"point, their call"},{"speaker":"Alan Smith","startTime":3398.47,"endTime":3401.3199999999997,"body":"about sort of looking after"},{"speaker":"Alan Smith","startTime":3401.3199999999997,"endTime":3404.71,"body":"yourself is really well made."},{"speaker":"Alan Smith","startTime":3401.3199999999997,"endTime":3404.71,"body":"And again, we've talked about"},{"speaker":"Alan Smith","startTime":3404.71,"endTime":3409.2999999999997,"body":"this in the past. I mentioned it"},{"speaker":"Alan Smith","startTime":3404.71,"endTime":3409.2999999999997,"body":"to you, there's there's a book"},{"speaker":"Alan Smith","startTime":3409.2999999999997,"endTime":3412.96,"body":"called essentialism, Greg McEwan"},{"speaker":"Alan Smith","startTime":3409.2999999999997,"endTime":3412.96,"body":"has a chapter in that there's a"},{"speaker":"Alan Smith","startTime":3412.96,"endTime":3415.21,"body":"whole section you can look at"},{"speaker":"Alan Smith","startTime":3412.96,"endTime":3415.21,"body":"his specific logs on it's"},{"speaker":"Alan Smith","startTime":3415.21,"endTime":3418.8399999999997,"body":"called, protect the assets. And"},{"speaker":"Alan Smith","startTime":3415.21,"endTime":3418.8399999999997,"body":"the point, the point being you"},{"speaker":"Alan Smith","startTime":3418.8399999999997,"endTime":3421.5699999999997,"body":"can your people in your"},{"speaker":"Alan Smith","startTime":3418.8399999999997,"endTime":3421.5699999999997,"body":"circumstances to look after"},{"speaker":"Alan Smith","startTime":3421.5699999999997,"endTime":3423.64,"body":"everyone else around them, and"},{"speaker":"Alan Smith","startTime":3421.5699999999997,"endTime":3423.64,"body":"trying to keep the team going"},{"speaker":"Alan Smith","startTime":3423.64,"endTime":3426.19,"body":"and support the team and the"},{"speaker":"Alan Smith","startTime":3423.64,"endTime":3426.19,"body":"family and everything else. But"},{"speaker":"Alan Smith","startTime":3426.19,"endTime":3428.83,"body":"you're the big dominant, if you"},{"speaker":"Alan Smith","startTime":3426.19,"endTime":3428.83,"body":"go down, if you're getting"},{"speaker":"Alan Smith","startTime":3428.83,"endTime":3431.0499999999997,"body":"stressed, or you sort of can't"},{"speaker":"Alan Smith","startTime":3428.83,"endTime":3431.0499999999997,"body":"show up, then there's so many"},{"speaker":"Alan Smith","startTime":3431.0499999999997,"endTime":3433.99,"body":"other negatives that happen as a"},{"speaker":"Alan Smith","startTime":3431.0499999999997,"endTime":3433.99,"body":"result of that. So it's so"},{"speaker":"Alan Smith","startTime":3433.99,"endTime":3437.56,"body":"important to protect the asset"},{"speaker":"Alan Smith","startTime":3433.99,"endTime":3437.56,"body":"and the number one asset is you"},{"speaker":"Alan Smith","startTime":3437.5899999999997,"endTime":3439.87,"body":"and it sounds selfish, as you"},{"speaker":"Alan Smith","startTime":3437.5899999999997,"endTime":3439.87,"body":"say. But it's absolutely not to"},{"speaker":"Alan Smith","startTime":3439.87,"endTime":3443.41,"body":"be selfish not to do that is the"},{"speaker":"Alan Smith","startTime":3439.87,"endTime":3443.41,"body":"point, but check out Greg"},{"speaker":"Alan Smith","startTime":3443.41,"endTime":3444.4,"body":"McEwan, writing."},{"speaker":"Andy Hart","startTime":3445.69,"endTime":3447.94,"body":"I think all of us on"},{"speaker":"Andy Hart","startTime":3445.69,"endTime":3447.94,"body":"this call have read enough books"},{"speaker":"Andy Hart","startTime":3447.97,"endTime":3450.4,"body":"to know what we need to be doing"},{"speaker":"Andy Hart","startTime":3447.97,"endTime":3450.4,"body":"in terms of looking after"},{"speaker":"Andy Hart","startTime":3450.4,"endTime":3454.0,"body":"ourselves. But yeah,"},{"speaker":"Andy Hart","startTime":3450.4,"endTime":3454.0,"body":"implementing monk mode a lot"},{"speaker":"Andy Hart","startTime":3454.0,"endTime":3457.06,"body":"more in 2024 is going to be"},{"speaker":"Andy Hart","startTime":3454.0,"endTime":3457.06,"body":"something that yeah, I'm also"},{"speaker":"Andy Hart","startTime":3457.06,"endTime":3461.68,"body":"going to be doing as much as I"},{"speaker":"Andy Hart","startTime":3457.06,"endTime":3461.68,"body":"can. But it's hard. But you"},{"speaker":"Andy Hart","startTime":3461.68,"endTime":3463.87,"body":"know, we can read all the books,"},{"speaker":"Andy Hart","startTime":3461.68,"endTime":3463.87,"body":"we can list all the podcasts, we"},{"speaker":"Andy Hart","startTime":3463.87,"endTime":3466.06,"body":"can watch all the YouTube videos"},{"speaker":"Andy Hart","startTime":3463.87,"endTime":3466.06,"body":"that we did wake up every day"},{"speaker":"Andy Hart","startTime":3466.06,"endTime":3469.5699999999997,"body":"and put in the right behaviors."},{"speaker":"Andy Hart","startTime":3466.06,"endTime":3469.5699999999997,"body":"And we know what the triggers"},{"speaker":"Andy Hart","startTime":3469.5699999999997,"endTime":3474.0099999999998,"body":"dominoes are for ourselves."},{"speaker":"Andy Hart","startTime":3469.5699999999997,"endTime":3474.0099999999998,"body":"Yeah, so let's try and keep each"},{"speaker":"Andy Hart","startTime":3474.0099999999998,"endTime":3478.7799999999997,"body":"other all accountable. Yeah,"},{"speaker":"Andy Hart","startTime":3474.0099999999998,"endTime":3478.7799999999997,"body":"anyway, that's it. Okay,"},{"speaker":"Nick Lincoln","startTime":3478.7799999999997,"endTime":3480.91,"body":"well, okay, let's"},{"speaker":"Nick Lincoln","startTime":3478.7799999999997,"endTime":3480.91,"body":"stick around to me, I think with"},{"speaker":"Nick Lincoln","startTime":3480.91,"endTime":3488.92,"body":"my one goal for 2024 when it"},{"speaker":"Nick Lincoln","startTime":3480.91,"endTime":3488.92,"body":"kinda time ties, no"},{"speaker":"Andy Hart","startTime":3488.92,"endTime":3490.72,"body":"more, no more of that"},{"speaker":"Andy Hart","startTime":3488.92,"endTime":3490.72,"body":"drop note, we've had enough of"},{"speaker":"Andy Hart","startTime":3490.72,"endTime":3491.2599999999998,"body":"that drop."},{"speaker":"Nick Lincoln","startTime":3491.5,"endTime":3492.88,"body":"So there's two"},{"speaker":"Nick Lincoln","startTime":3491.5,"endTime":3492.88,"body":"more to go, mate. And I'm gonna"},{"speaker":"Nick Lincoln","startTime":3492.88,"endTime":3496.93,"body":"do with all three when you're"},{"speaker":"Nick Lincoln","startTime":3492.88,"endTime":3496.93,"body":"talking. My one ties in with"},{"speaker":"Nick Lincoln","startTime":3496.93,"endTime":3501.64,"body":"voices, sort of health and well,"},{"speaker":"Nick Lincoln","startTime":3496.93,"endTime":3501.64,"body":"being minds to be more stoic and"},{"speaker":"Nick Lincoln","startTime":3501.64,"endTime":3505.33,"body":"not to get maybe so caught up in"},{"speaker":"Nick Lincoln","startTime":3501.64,"endTime":3505.33,"body":"what happens? You know, Marcus"},{"speaker":"Nick Lincoln","startTime":3505.33,"endTime":3507.85,"body":"Aurelius said, and then"},{"speaker":"Nick Lincoln","startTime":3505.33,"endTime":3507.85,"body":"Shakespeare quoted that as well."},{"speaker":"Nick Lincoln","startTime":3507.85,"endTime":3509.5,"body":"But it's not what like, it's not"},{"speaker":"Nick Lincoln","startTime":3507.85,"endTime":3509.5,"body":"what happens to you in life."},{"speaker":"Nick Lincoln","startTime":3509.5,"endTime":3512.1099999999997,"body":"It's how you choose how you"},{"speaker":"Nick Lincoln","startTime":3509.5,"endTime":3512.1099999999997,"body":"choose. That's the important"},{"speaker":"Nick Lincoln","startTime":3512.5899999999997,"endTime":3515.17,"body":"word there, how you choose to"},{"speaker":"Nick Lincoln","startTime":3512.5899999999997,"endTime":3515.17,"body":"react to events. So I'm just"},{"speaker":"Nick Lincoln","startTime":3515.17,"endTime":3517.72,"body":"going to try and disassociate"},{"speaker":"Nick Lincoln","startTime":3515.17,"endTime":3517.72,"body":"myself from what happens to me"},{"speaker":"Nick Lincoln","startTime":3518.74,"endTime":3522.13,"body":"and focus more on actually how"},{"speaker":"Nick Lincoln","startTime":3518.74,"endTime":3522.13,"body":"you react to it. So I think just"},{"speaker":"Nick Lincoln","startTime":3522.13,"endTime":3527.41,"body":"just from a just from being a"},{"speaker":"Nick Lincoln","startTime":3522.13,"endTime":3527.41,"body":"more, a more loving, reasonable,"},{"speaker":"Nick Lincoln","startTime":3527.8599999999997,"endTime":3533.2599999999998,"body":"rounded lik link, and that's my"},{"speaker":"Nick Lincoln","startTime":3527.8599999999997,"endTime":3533.2599999999998,"body":"goal for 2024"},{"speaker":"Carl Widger","startTime":3534.13,"endTime":3535.0899999999997,"body":"for failure there"},{"speaker":"Nick Lincoln","startTime":3537.67,"endTime":3538.96,"body":"right Smithy?"},{"speaker":"Alan Smith","startTime":3544.18,"endTime":3548.35,"body":"Simplify, in other"},{"speaker":"Alan Smith","startTime":3544.18,"endTime":3548.35,"body":"words, in a world of"},{"speaker":"Alan Smith","startTime":3548.38,"endTime":3554.2599999999998,"body":"overwhelmed. Yeah. And so much"},{"speaker":"Alan Smith","startTime":3548.38,"endTime":3554.2599999999998,"body":"so many other languages. Do"},{"speaker":"Alan Smith","startTime":3554.2599999999998,"endTime":3557.68,"body":"perfect if you just said"},{"speaker":"Alan Smith","startTime":3554.2599999999998,"endTime":3557.68,"body":"Simplify, simplify, and focus."},{"speaker":"Nick Lincoln","startTime":3558.3399999999997,"endTime":3561.5499999999997,"body":"Yep, that's great."},{"speaker":"Nick Lincoln","startTime":3558.3399999999997,"endTime":3561.5499999999997,"body":"That's great. Right? So we're"},{"speaker":"Nick Lincoln","startTime":3561.5499999999997,"endTime":3564.37,"body":"getting to the end of this. Now"},{"speaker":"Nick Lincoln","startTime":3561.5499999999997,"endTime":3564.37,"body":"we have one person to go with"},{"speaker":"Nick Lincoln","startTime":3564.37,"endTime":3568.2999999999997,"body":"one item. He doesn't do them."},{"speaker":"Nick Lincoln","startTime":3564.37,"endTime":3568.2999999999997,"body":"But Ultra will squeeze one out"},{"speaker":"Nick Lincoln","startTime":3568.2999999999997,"endTime":3569.71,"body":"for us. Come on over give us a"},{"speaker":"Nick Lincoln","startTime":3568.2999999999997,"endTime":3569.71,"body":"go."},{"speaker":"Andy Hart","startTime":3574.99,"endTime":3577.06,"body":"For me, it's trap"},{"speaker":"Andy Hart","startTime":3574.99,"endTime":3577.06,"body":"live because it's the only sort"},{"speaker":"Andy Hart","startTime":3577.06,"endTime":3583.9,"body":"of for me, it's trap live."},{"speaker":"Andy Hart","startTime":3577.06,"endTime":3583.9,"body":"Because all the other stuff I've"},{"speaker":"Andy Hart","startTime":3583.9,"endTime":3586.75,"body":"done before in terms of"},{"speaker":"Andy Hart","startTime":3583.9,"endTime":3586.75,"body":"conferences and trap and stuff."},{"speaker":"Andy Hart","startTime":3586.75,"endTime":3591.25,"body":"So trap live is my goal for"},{"speaker":"Andy Hart","startTime":3586.75,"endTime":3591.25,"body":"2024. So hopefully it's a great"},{"speaker":"Andy Hart","startTime":3591.25,"endTime":3594.0099999999998,"body":"success. So yeah, we're gonna"},{"speaker":"Andy Hart","startTime":3591.25,"endTime":3594.0099999999998,"body":"we're gonna put that together."},{"speaker":"Andy Hart","startTime":3594.0099999999998,"endTime":3596.38,"body":"So yeah, back to you, Nick."},{"speaker":"Andy Hart","startTime":3594.0099999999998,"endTime":3596.38,"body":"Excellent. That's"},{"speaker":"Nick Lincoln","startTime":3596.47,"endTime":3599.35,"body":"a good point trap"},{"speaker":"Nick Lincoln","startTime":3596.47,"endTime":3599.35,"body":"trap live deer trap. This is May"},{"speaker":"Nick Lincoln","startTime":3599.35,"endTime":3603.52,"body":"the ninth Thursday, May the"},{"speaker":"Nick Lincoln","startTime":3599.35,"endTime":3603.52,"body":"ninth the real advisor"},{"speaker":"Nick Lincoln","startTime":3603.52,"endTime":3607.6,"body":"podcast.com There's a website"},{"speaker":"Nick Lincoln","startTime":3603.52,"endTime":3607.6,"body":"spanking brand new and shiny,"},{"speaker":"Nick Lincoln","startTime":3607.63,"endTime":3611.38,"body":"not yet defiled by the toils of"},{"speaker":"Nick Lincoln","startTime":3607.63,"endTime":3611.38,"body":"2024. Go there go to the river"},{"speaker":"Nick Lincoln","startTime":3611.38,"endTime":3615.2799999999997,"body":"advisor podcast.com and register"},{"speaker":"Nick Lincoln","startTime":3611.38,"endTime":3615.2799999999997,"body":"your interest in trap live May"},{"speaker":"Nick Lincoln","startTime":3615.2799999999997,"endTime":3618.7,"body":"the ninth somewhere in London if"},{"speaker":"Nick Lincoln","startTime":3615.2799999999997,"endTime":3618.7,"body":"we can ever get a venue"},{"speaker":"Nick Lincoln","startTime":3618.7,"endTime":3621.1,"body":"organized. So we're looking"},{"speaker":"Nick Lincoln","startTime":3618.7,"endTime":3621.1,"body":"forward to seeing as many of you"},{"speaker":"Nick Lincoln","startTime":3621.1,"endTime":3625.0899999999997,"body":"there as our venue will"},{"speaker":"Nick Lincoln","startTime":3621.1,"endTime":3625.0899999999997,"body":"accommodate. Okay, we've given"},{"speaker":"Nick Lincoln","startTime":3625.0899999999997,"endTime":3627.5499999999997,"body":"it now what is it? Look at that"},{"speaker":"Nick Lincoln","startTime":3625.0899999999997,"endTime":3627.5499999999997,"body":"almost exactly on the hour. 59"},{"speaker":"Nick Lincoln","startTime":3627.5499999999997,"endTime":3632.23,"body":"minutes. 12 seconds and"},{"speaker":"Nick Lincoln","startTime":3627.5499999999997,"endTime":3632.23,"body":"counting. Oh, there she is. I"},{"speaker":"Nick Lincoln","startTime":3632.23,"endTime":3637.75,"body":"can see her. She's waddling up"},{"speaker":"Nick Lincoln","startTime":3632.23,"endTime":3637.75,"body":"the drive. She has the it's"},{"speaker":"Nick Lincoln","startTime":3637.75,"endTime":3640.0,"body":"amazing this this never works"},{"speaker":"Nick Lincoln","startTime":3637.75,"endTime":3640.0,"body":"when I go to another is it the"},{"speaker":"Nick Lincoln","startTime":3640.0,"endTime":3643.0899999999997,"body":"TRAPPIST questions drop doesn't"},{"speaker":"Nick Lincoln","startTime":3640.0,"endTime":3643.0899999999997,"body":"work. Okay, just trust me yet"},{"speaker":"Nick Lincoln","startTime":3643.0899999999997,"endTime":3646.6,"body":"again. That the post is at the"},{"speaker":"Nick Lincoln","startTime":3643.0899999999997,"endTime":3646.6,"body":"at the door and she's brought a"},{"speaker":"Nick Lincoln","startTime":3646.6,"endTime":3648.97,"body":"sack of trapeze questions which"},{"speaker":"Nick Lincoln","startTime":3646.6,"endTime":3648.97,"body":"we're going to go through you"},{"speaker":"Nick Lincoln","startTime":3648.97,"endTime":3652.06,"body":"can leave a question for the"},{"speaker":"Nick Lincoln","startTime":3648.97,"endTime":3652.06,"body":"trap pack to answer in the"},{"speaker":"Nick Lincoln","startTime":3652.06,"endTime":3655.99,"body":"pinned tweet on Twitter or X."},{"speaker":"Nick Lincoln","startTime":3652.06,"endTime":3655.99,"body":"Thank you, Andrew. That's the"},{"speaker":"Nick Lincoln","startTime":3655.99,"endTime":3660.37,"body":"better opening letter opening"},{"speaker":"Nick Lincoln","startTime":3655.99,"endTime":3660.37,"body":"one might be next. Stop yet."},{"speaker":"Nick Lincoln","startTime":3660.37,"endTime":3665.74,"body":"Thank you and leave a question"},{"speaker":"Nick Lincoln","startTime":3660.37,"endTime":3665.74,"body":"via the pinned tweet at the top"},{"speaker":"Nick Lincoln","startTime":3665.74,"endTime":3668.3199999999997,"body":"of the Twitter timeline and your"},{"speaker":"Nick Lincoln","startTime":3665.74,"endTime":3668.3199999999997,"body":"questions will be answered."},{"speaker":"Nick Lincoln","startTime":3668.3199999999997,"endTime":3670.66,"body":"We're kind of now into September"},{"speaker":"Nick Lincoln","startTime":3668.3199999999997,"endTime":3670.66,"body":"from last year. The questions"},{"speaker":"Nick Lincoln","startTime":3670.66,"endTime":3673.3599999999997,"body":"we're going through we will get"},{"speaker":"Nick Lincoln","startTime":3670.66,"endTime":3673.3599999999997,"body":"to you just bear with us. So the"},{"speaker":"Nick Lincoln","startTime":3673.3599999999997,"endTime":3677.92,"body":"first question is from Guy skin"},{"speaker":"Nick Lincoln","startTime":3673.3599999999997,"endTime":3677.92,"body":"You guys on LinkedIn and I'll"},{"speaker":"Nick Lincoln","startTime":3677.92,"endTime":3680.74,"body":"put a link to his LinkedIn"},{"speaker":"Nick Lincoln","startTime":3677.92,"endTime":3680.74,"body":"profile in the so called show"},{"speaker":"Nick Lincoln","startTime":3680.74,"endTime":3685.0299999999997,"body":"notes. Happy New Year Aaron"},{"speaker":"Nick Lincoln","startTime":3680.74,"endTime":3685.0299999999997,"body":"Cunningham. Guys get it asked"},{"speaker":"Nick Lincoln","startTime":3685.0299999999997,"endTime":3688.48,"body":"can you do an episode on advisor"},{"speaker":"Nick Lincoln","startTime":3685.0299999999997,"endTime":3688.48,"body":"remuneration and paraplanner?"},{"speaker":"Nick Lincoln","startTime":3688.48,"endTime":3691.96,"body":"remuneration also interested"},{"speaker":"Nick Lincoln","startTime":3688.48,"endTime":3691.96,"body":"another couple of question"},{"speaker":"Nick Lincoln","startTime":3692.14,"endTime":3695.2,"body":"another coupler also interested"},{"speaker":"Nick Lincoln","startTime":3692.14,"endTime":3695.2,"body":"to hear your thoughts on who"},{"speaker":"Nick Lincoln","startTime":3695.2,"endTime":3698.65,"body":"does what within the client"},{"speaker":"Nick Lincoln","startTime":3695.2,"endTime":3698.65,"body":"journey process right? That's I"},{"speaker":"Nick Lincoln","startTime":3698.65,"endTime":3702.1,"body":"mean, okay, let's just do the"},{"speaker":"Nick Lincoln","startTime":3698.65,"endTime":3702.1,"body":"adviser remuneration and power"},{"speaker":"Nick Lincoln","startTime":3702.1,"endTime":3705.7599999999998,"body":"plan of remuneration so much"},{"speaker":"Nick Lincoln","startTime":3702.1,"endTime":3705.7599999999998,"body":"time we got left Smith or watch."},{"speaker":"Alan Smith","startTime":3707.74,"endTime":3712.75,"body":"I can lead off on"},{"speaker":"Alan Smith","startTime":3707.74,"endTime":3712.75,"body":"this. Yeah, interesting one, I"},{"speaker":"Alan Smith","startTime":3712.75,"endTime":3715.42,"body":"think the interest industry"},{"speaker":"Alan Smith","startTime":3712.75,"endTime":3715.42,"body":"profession column what you will"},{"speaker":"Alan Smith","startTime":3715.42,"endTime":3717.94,"body":"has evolved significantly over"},{"speaker":"Alan Smith","startTime":3715.42,"endTime":3717.94,"body":"the years. But some there's some"},{"speaker":"Alan Smith","startTime":3717.94,"endTime":3723.91,"body":"basic things which still have"},{"speaker":"Alan Smith","startTime":3717.94,"endTime":3723.91,"body":"sit in place. When I was back in"},{"speaker":"Alan Smith","startTime":3723.91,"endTime":3726.22,"body":"the day when I was drunk in"},{"speaker":"Alan Smith","startTime":3723.91,"endTime":3726.22,"body":"charge of a wheelbarrow."},{"speaker":"Unknown","startTime":3729.97,"endTime":3734.89,"body":"Grab yourself a drink,"},{"speaker":"Unknown","startTime":3729.97,"endTime":3734.89,"body":"a very long drink. It's story"},{"speaker":"Unknown","startTime":3734.89,"endTime":3737.2,"body":"time. With Alan Smith,"},{"speaker":"Nick Lincoln","startTime":3737.41,"endTime":3739.99,"body":"we bring output an"},{"speaker":"Nick Lincoln","startTime":3737.41,"endTime":3739.99,"body":"app for special occasions. Okay,"},{"speaker":"Alan Smith","startTime":3740.38,"endTime":3742.39,"body":"I was really That's"},{"speaker":"Alan Smith","startTime":3740.38,"endTime":3742.39,"body":"my favorite one, I was just"},{"speaker":"Alan Smith","startTime":3742.39,"endTime":3745.21,"body":"trying to lead you on that one."},{"speaker":"Alan Smith","startTime":3742.39,"endTime":3745.21,"body":"When I was in alperton, and"},{"speaker":"Alan Smith","startTime":3745.21,"endTime":3750.1,"body":"other associated places back in"},{"speaker":"Alan Smith","startTime":3745.21,"endTime":3750.1,"body":"the day, there was a kind of"},{"speaker":"Alan Smith","startTime":3750.1,"endTime":3753.49,"body":"default adviser compensation"},{"speaker":"Alan Smith","startTime":3750.1,"endTime":3753.49,"body":"model that worked, which is"},{"speaker":"Alan Smith","startTime":3753.49,"endTime":3756.1,"body":"effectively a third, a third, a"},{"speaker":"Alan Smith","startTime":3753.49,"endTime":3756.1,"body":"third of the third for the"},{"speaker":"Alan Smith","startTime":3756.1,"endTime":3759.88,"body":"advisor, a third for the cost of"},{"speaker":"Alan Smith","startTime":3756.1,"endTime":3759.88,"body":"the overhead and a regulatory"},{"speaker":"Alan Smith","startTime":3759.88,"endTime":3763.5699999999997,"body":"cost everything else and the"},{"speaker":"Alan Smith","startTime":3759.88,"endTime":3763.5699999999997,"body":"third for profits. And you know,"},{"speaker":"Alan Smith","startTime":3763.5699999999997,"endTime":3766.93,"body":"over the years, this has evolved"},{"speaker":"Alan Smith","startTime":3763.5699999999997,"endTime":3766.93,"body":"and changed so much. And I've"},{"speaker":"Alan Smith","startTime":3766.93,"endTime":3770.2,"body":"spoken to a lot of a lot of"},{"speaker":"Alan Smith","startTime":3766.93,"endTime":3770.2,"body":"founders and CEOs of advisory"},{"speaker":"Alan Smith","startTime":3770.2,"endTime":3774.19,"body":"firms over the years. And I've"},{"speaker":"Alan Smith","startTime":3770.2,"endTime":3774.19,"body":"seen some spreadsheets, you need"},{"speaker":"Alan Smith","startTime":3774.19,"endTime":3777.31,"body":"a degree in maths and rocket"},{"speaker":"Alan Smith","startTime":3774.19,"endTime":3777.31,"body":"sciences to work out how the"},{"speaker":"Alan Smith","startTime":3777.31,"endTime":3781.5099999999998,"body":"hell you get paid. There's so"},{"speaker":"Alan Smith","startTime":3777.31,"endTime":3781.5099999999998,"body":"much complexity. But again, and"},{"speaker":"Alan Smith","startTime":3781.5099999999998,"endTime":3785.17,"body":"in line with my goal for the"},{"speaker":"Alan Smith","startTime":3781.5099999999998,"endTime":3785.17,"body":"year, you go full circle and go"},{"speaker":"Alan Smith","startTime":3785.17,"endTime":3789.37,"body":"back to the things that sort of"},{"speaker":"Alan Smith","startTime":3785.17,"endTime":3789.37,"body":"somehow always worked. What's"},{"speaker":"Alan Smith","startTime":3789.37,"endTime":3792.22,"body":"changed over the years, though,"},{"speaker":"Alan Smith","startTime":3789.37,"endTime":3792.22,"body":"quite interesting is that the"},{"speaker":"Alan Smith","startTime":3792.22,"endTime":3795.43,"body":"industry, or the profession, as"},{"speaker":"Alan Smith","startTime":3792.22,"endTime":3795.43,"body":"is now has moved from an"},{"speaker":"Alan Smith","startTime":3795.43,"endTime":3797.3199999999997,"body":"industry which is a sales"},{"speaker":"Alan Smith","startTime":3795.43,"endTime":3797.3199999999997,"body":"industry. And I'll tell you"},{"speaker":"Alan Smith","startTime":3797.3199999999997,"endTime":3800.2,"body":"what, if you could sell back in"},{"speaker":"Alan Smith","startTime":3797.3199999999997,"endTime":3800.2,"body":"the day, especially if you're a"},{"speaker":"Alan Smith","startTime":3800.2,"endTime":3803.0499999999997,"body":"direct sales or something, you"},{"speaker":"Alan Smith","startTime":3800.2,"endTime":3803.0499999999997,"body":"deserve to get paid quite"},{"speaker":"Alan Smith","startTime":3803.0499999999997,"endTime":3805.45,"body":"highly, because it was quite a"},{"speaker":"Alan Smith","startTime":3803.0499999999997,"endTime":3805.45,"body":"difficult skill. And as we know"},{"speaker":"Alan Smith","startTime":3805.45,"endTime":3808.2999999999997,"body":"from the data in the past, so"},{"speaker":"Alan Smith","startTime":3805.45,"endTime":3808.2999999999997,"body":"many people joined up sort of"},{"speaker":"Alan Smith","startTime":3808.2999999999997,"endTime":3811.96,"body":"direct selling organizations,"},{"speaker":"Alan Smith","startTime":3808.2999999999997,"endTime":3811.96,"body":"and most of them failed, most"},{"speaker":"Alan Smith","startTime":3811.96,"endTime":3814.48,"body":"didn't work, because it's a"},{"speaker":"Alan Smith","startTime":3811.96,"endTime":3814.48,"body":"tough thing to do to succeed."},{"speaker":"Alan Smith","startTime":3814.93,"endTime":3817.0299999999997,"body":"Year after year consistently."},{"speaker":"Alan Smith","startTime":3814.93,"endTime":3817.0299999999997,"body":"Once you've gone through your"},{"speaker":"Alan Smith","startTime":3817.0299999999997,"endTime":3819.52,"body":"kind of friends and family list,"},{"speaker":"Alan Smith","startTime":3817.0299999999997,"endTime":3819.52,"body":"like apparently all these"},{"speaker":"Alan Smith","startTime":3819.52,"endTime":3822.46,"body":"organizations would encourage"},{"speaker":"Alan Smith","startTime":3819.52,"endTime":3822.46,"body":"you to do, there was no more you"},{"speaker":"Alan Smith","startTime":3822.46,"endTime":3824.92,"body":"couldn't sell. So you're kind of"},{"speaker":"Alan Smith","startTime":3822.46,"endTime":3824.92,"body":"out of business. So those that"},{"speaker":"Alan Smith","startTime":3824.92,"endTime":3827.5299999999997,"body":"were successes, were able to"},{"speaker":"Alan Smith","startTime":3824.92,"endTime":3827.5299999999997,"body":"sell, build relationships, build"},{"speaker":"Alan Smith","startTime":3827.5299999999997,"endTime":3832.18,"body":"rapport, had to get paid"},{"speaker":"Alan Smith","startTime":3827.5299999999997,"endTime":3832.18,"body":"appropriately to do the job. But"},{"speaker":"Alan Smith","startTime":3832.18,"endTime":3835.2999999999997,"body":"we're far more of a service"},{"speaker":"Alan Smith","startTime":3832.18,"endTime":3835.2999999999997,"body":"profession. Now. So the skill"},{"speaker":"Alan Smith","startTime":3835.2999999999997,"endTime":3838.0299999999997,"body":"sets are different. So the"},{"speaker":"Alan Smith","startTime":3835.2999999999997,"endTime":3838.0299999999997,"body":"remuneration needs to be"},{"speaker":"Alan Smith","startTime":3838.0299999999997,"endTime":3842.02,"body":"different. There's no sort of"},{"speaker":"Alan Smith","startTime":3838.0299999999997,"endTime":3842.02,"body":"right and wrong way of doing it."},{"speaker":"Alan Smith","startTime":3842.5899999999997,"endTime":3845.44,"body":"But broadly speaking, you got to"},{"speaker":"Alan Smith","startTime":3842.5899999999997,"endTime":3845.44,"body":"start with the company needs to"},{"speaker":"Alan Smith","startTime":3845.44,"endTime":3848.41,"body":"generate profit, what's your"},{"speaker":"Alan Smith","startTime":3845.44,"endTime":3848.41,"body":"sort of target profit margin?"},{"speaker":"Alan Smith","startTime":3848.41,"endTime":3850.72,"body":"What does it cost to run your"},{"speaker":"Alan Smith","startTime":3848.41,"endTime":3850.72,"body":"organization? What are the sort"},{"speaker":"Alan Smith","startTime":3850.72,"endTime":3854.71,"body":"of the fixed costs, the"},{"speaker":"Alan Smith","startTime":3850.72,"endTime":3854.71,"body":"overheads, cetera and your work,"},{"speaker":"Alan Smith","startTime":3854.71,"endTime":3857.8599999999997,"body":"but what is the reasonable and"},{"speaker":"Alan Smith","startTime":3854.71,"endTime":3857.8599999999997,"body":"competitive amounts to pay"},{"speaker":"Alan Smith","startTime":3857.89,"endTime":3860.41,"body":"anyone in the organization be"},{"speaker":"Alan Smith","startTime":3857.89,"endTime":3860.41,"body":"the advisors paraplanners,"},{"speaker":"Alan Smith","startTime":3860.41,"endTime":3864.91,"body":"anyone at all, our target our"},{"speaker":"Alan Smith","startTime":3860.41,"endTime":3864.91,"body":"goal. And we're pretty"},{"speaker":"Alan Smith","startTime":3864.91,"endTime":3867.5499999999997,"body":"consistent on this. There's a"},{"speaker":"Alan Smith","startTime":3864.91,"endTime":3867.5499999999997,"body":"lot of data out there where you"},{"speaker":"Alan Smith","startTime":3867.5499999999997,"endTime":3872.71,"body":"can benchmark, we always want to"},{"speaker":"Alan Smith","startTime":3867.5499999999997,"endTime":3872.71,"body":"be top quartile in terms of"},{"speaker":"Alan Smith","startTime":3872.71,"endTime":3876.4,"body":"compensation, across the board."},{"speaker":"Alan Smith","startTime":3872.71,"endTime":3876.4,"body":"And so we've always benchmark"},{"speaker":"Alan Smith","startTime":3876.43,"endTime":3879.6099999999997,"body":"that we make sure that we are"},{"speaker":"Alan Smith","startTime":3876.43,"endTime":3879.6099999999997,"body":"that we're competitive. But if"},{"speaker":"Alan Smith","startTime":3879.6099999999997,"endTime":3882.79,"body":"you're deciding on where to work"},{"speaker":"Alan Smith","startTime":3879.6099999999997,"endTime":3882.79,"body":"purely on money, and nothing"},{"speaker":"Alan Smith","startTime":3882.79,"endTime":3886.0299999999997,"body":"else, then you wouldn't fit here"},{"speaker":"Alan Smith","startTime":3882.79,"endTime":3886.0299999999997,"body":"anyway, we want to create the"},{"speaker":"Alan Smith","startTime":3886.0299999999997,"endTime":3888.79,"body":"right culture, the right"},{"speaker":"Alan Smith","startTime":3886.0299999999997,"endTime":3888.79,"body":"environment, and also all the"},{"speaker":"Alan Smith","startTime":3888.79,"endTime":3891.67,"body":"other employee benefits. And I"},{"speaker":"Alan Smith","startTime":3888.79,"endTime":3891.67,"body":"think ultimately, there's a lot"},{"speaker":"Alan Smith","startTime":3891.67,"endTime":3896.77,"body":"of research on this, read Dan"},{"speaker":"Alan Smith","startTime":3891.67,"endTime":3896.77,"body":"Pink's book called drive for an"},{"speaker":"Alan Smith","startTime":3896.77,"endTime":3900.46,"body":"example. But money should be a"},{"speaker":"Alan Smith","startTime":3896.77,"endTime":3900.46,"body":"hygiene factor, people should be"},{"speaker":"Alan Smith","startTime":3900.46,"endTime":3904.75,"body":"paid well prepared"},{"speaker":"Alan Smith","startTime":3900.46,"endTime":3904.75,"body":"appropriately. But the issue is"},{"speaker":"Alan Smith","startTime":3904.75,"endTime":3907.45,"body":"to be sure many other things"},{"speaker":"Alan Smith","startTime":3904.75,"endTime":3907.45,"body":"which are relevant, Dan Pink"},{"speaker":"Alan Smith","startTime":3907.45,"endTime":3913.0299999999997,"body":"talks about mastery. So we help"},{"speaker":"Alan Smith","startTime":3907.45,"endTime":3913.0299999999997,"body":"our all of our team, develop,"},{"speaker":"Alan Smith","startTime":3913.0299999999997,"endTime":3915.6099999999997,"body":"get qualified, etcetera, they"},{"speaker":"Alan Smith","startTime":3913.0299999999997,"endTime":3915.6099999999997,"body":"want autonomy, be able to make"},{"speaker":"Alan Smith","startTime":3915.6099999999997,"endTime":3918.7599999999998,"body":"their own decisions. And money"},{"speaker":"Alan Smith","startTime":3915.6099999999997,"endTime":3918.7599999999998,"body":"shouldn't be the only thing that"},{"speaker":"Alan Smith","startTime":3918.7599999999998,"endTime":3920.95,"body":"the do. So I think that's a"},{"speaker":"Alan Smith","startTime":3918.7599999999998,"endTime":3920.95,"body":"starter for 10. So broadly"},{"speaker":"Alan Smith","startTime":3920.95,"endTime":3924.97,"body":"speaking, that kind of third"},{"speaker":"Alan Smith","startTime":3920.95,"endTime":3924.97,"body":"third, a third model is vaguely"},{"speaker":"Alan Smith","startTime":3924.97,"endTime":3929.5899999999997,"body":"in that ballpark. But it depends"},{"speaker":"Alan Smith","startTime":3924.97,"endTime":3929.5899999999997,"body":"what role you are performing. If"},{"speaker":"Alan Smith","startTime":3929.5899999999997,"endTime":3932.02,"body":"you're somebody can go out when"},{"speaker":"Alan Smith","startTime":3929.5899999999997,"endTime":3932.02,"body":"a lot of business go and bring"},{"speaker":"Alan Smith","startTime":3932.02,"endTime":3934.72,"body":"in loads and loads of new"},{"speaker":"Alan Smith","startTime":3932.02,"endTime":3934.72,"body":"fantastic clients. You could"},{"speaker":"Alan Smith","startTime":3934.72,"endTime":3936.91,"body":"expect a different numeric"},{"speaker":"Alan Smith","startTime":3934.72,"endTime":3936.91,"body":"remuneration model to someone"},{"speaker":"Alan Smith","startTime":3936.91,"endTime":3940.63,"body":"who's just showing up as a just"},{"speaker":"Alan Smith","startTime":3936.91,"endTime":3940.63,"body":"but doing the job day to day job"},{"speaker":"Alan Smith","startTime":3940.66,"endTime":3944.2599999999998,"body":"of delivering financial planning"},{"speaker":"Alan Smith","startTime":3940.66,"endTime":3944.2599999999998,"body":"to clients because that's a more"},{"speaker":"Alan Smith","startTime":3944.2599999999998,"endTime":3947.65,"body":"common skill set. If you like"},{"speaker":"Alan Smith","startTime":3944.2599999999998,"endTime":3947.65,"body":"someone that can win big ticket"},{"speaker":"Alan Smith","startTime":3947.65,"endTime":3950.74,"body":"clients. That's my starter for"},{"speaker":"Alan Smith","startTime":3947.65,"endTime":3950.74,"body":"10. Who wants to go now?"},{"speaker":"Carl Widger","startTime":3952.0899999999997,"endTime":3956.5,"body":"Yeah, I'll jump in."},{"speaker":"Carl Widger","startTime":3952.0899999999997,"endTime":3956.5,"body":"So look, we've like any other"},{"speaker":"Carl Widger","startTime":3956.5,"endTime":3961.99,"body":"business. We've, you know, done"},{"speaker":"Carl Widger","startTime":3956.5,"endTime":3961.99,"body":"various models throughout the"},{"speaker":"Carl Widger","startTime":3961.99,"endTime":3967.3599999999997,"body":"years and 10 years in what we"},{"speaker":"Carl Widger","startTime":3961.99,"endTime":3967.3599999999997,"body":"settled on, and we been at this"},{"speaker":"Carl Widger","startTime":3967.3599999999997,"endTime":3971.2,"body":"probably for three, maybe four"},{"speaker":"Carl Widger","startTime":3967.3599999999997,"endTime":3971.2,"body":"years now. And so for our"},{"speaker":"Carl Widger","startTime":3971.2,"endTime":3975.19,"body":"private life managers, it's a"},{"speaker":"Carl Widger","startTime":3971.2,"endTime":3975.19,"body":"percentage of all income so that"},{"speaker":"Carl Widger","startTime":3975.25,"endTime":3978.13,"body":"you know, really generates"},{"speaker":"Carl Widger","startTime":3975.25,"endTime":3978.13,"body":"people who bring in new clients,"},{"speaker":"Carl Widger","startTime":3978.13,"endTime":3981.97,"body":"but also remunerates people to"},{"speaker":"Carl Widger","startTime":3978.13,"endTime":3981.97,"body":"make sure that existing clients"},{"speaker":"Carl Widger","startTime":3982.0,"endTime":3985.8399999999997,"body":"stay on board. Because after"},{"speaker":"Carl Widger","startTime":3982.0,"endTime":3985.8399999999997,"body":"all, it's equally as important"},{"speaker":"Carl Widger","startTime":3985.8399999999997,"endTime":3988.8399999999997,"body":"for us to have happy clients"},{"speaker":"Carl Widger","startTime":3985.8399999999997,"endTime":3988.8399999999997,"body":"that you know, are really sticky"},{"speaker":"Carl Widger","startTime":3988.8399999999997,"endTime":3991.63,"body":"and stay with the business as it"},{"speaker":"Carl Widger","startTime":3988.8399999999997,"endTime":3991.63,"body":"is to get new clients in the"},{"speaker":"Carl Widger","startTime":3991.63,"endTime":3997.63,"body":"door as well. And then I"},{"speaker":"Carl Widger","startTime":3991.63,"endTime":3997.63,"body":"suppose, broadly speaking, for"},{"speaker":"Carl Widger","startTime":3997.63,"endTime":4000.18,"body":"the rest of the team who aren't"},{"speaker":"Carl Widger","startTime":3997.63,"endTime":4000.18,"body":"in business development, or"},{"speaker":"Carl Widger","startTime":4000.18,"endTime":4004.62,"body":"bringing in clients, so that's"},{"speaker":"Carl Widger","startTime":4000.18,"endTime":4004.62,"body":"your financial planners, your"},{"speaker":"Carl Widger","startTime":4004.62,"endTime":4010.17,"body":"client service people, we have,"},{"speaker":"Carl Widger","startTime":4004.62,"endTime":4010.17,"body":"as you say, a very competitive"},{"speaker":"Carl Widger","startTime":4010.17,"endTime":4016.77,"body":"basic salary, but we do do team"},{"speaker":"Carl Widger","startTime":4010.17,"endTime":4016.77,"body":"bonus, and an individual bonus,"},{"speaker":"Carl Widger","startTime":4016.77,"endTime":4019.92,"body":"the individual bonus is based on"},{"speaker":"Carl Widger","startTime":4016.77,"endTime":4019.92,"body":"personal KPIs, you have to get"},{"speaker":"Carl Widger","startTime":4019.92,"endTime":4023.16,"body":"to a certain score. And if you"},{"speaker":"Carl Widger","startTime":4019.92,"endTime":4023.16,"body":"get to a certain score on your"},{"speaker":"Carl Widger","startTime":4023.16,"endTime":4026.88,"body":"individual KPIs, you're then"},{"speaker":"Carl Widger","startTime":4023.16,"endTime":4026.88,"body":"eligible for the team bonus as"},{"speaker":"Carl Widger","startTime":4026.88,"endTime":4030.9,"body":"well. But you got to sort your"},{"speaker":"Carl Widger","startTime":4026.88,"endTime":4030.9,"body":"own personal KPIs first. That's"},{"speaker":"Carl Widger","startTime":4030.9,"endTime":4035.43,"body":"worked really well for us over"},{"speaker":"Carl Widger","startTime":4030.9,"endTime":4035.43,"body":"the last couple of years, where"},{"speaker":"Carl Widger","startTime":4035.73,"endTime":4039.54,"body":"we've just concluded eight full"},{"speaker":"Carl Widger","startTime":4035.73,"endTime":4039.54,"body":"quarters where we've got full"},{"speaker":"Carl Widger","startTime":4039.54,"endTime":4042.99,"body":"team bonus, which is really"},{"speaker":"Carl Widger","startTime":4039.54,"endTime":4042.99,"body":"good. I suppose the danger with"},{"speaker":"Carl Widger","startTime":4042.99,"endTime":4045.39,"body":"doing that is the people kind of"},{"speaker":"Carl Widger","startTime":4042.99,"endTime":4045.39,"body":"come to expect it. But anyway,"},{"speaker":"Carl Widger","startTime":4045.75,"endTime":4049.83,"body":"if we keep outperforming we keep"},{"speaker":"Carl Widger","startTime":4045.75,"endTime":4049.83,"body":"paying bonuses. And so you know,"},{"speaker":"Carl Widger","startTime":4049.83,"endTime":4054.18,"body":"look, I think rewarding, not"},{"speaker":"Carl Widger","startTime":4049.83,"endTime":4054.18,"body":"just the salespeople, ie the"},{"speaker":"Carl Widger","startTime":4054.18,"endTime":4057.24,"body":"private line managers, but"},{"speaker":"Carl Widger","startTime":4054.18,"endTime":4057.24,"body":"rewarding the entire team, for"},{"speaker":"Carl Widger","startTime":4057.24,"endTime":4061.71,"body":"the team doing really well is"},{"speaker":"Carl Widger","startTime":4057.24,"endTime":4061.71,"body":"vitally important. If you want"},{"speaker":"Carl Widger","startTime":4061.74,"endTime":4064.5899999999997,"body":"everyone engaged and doing their"},{"speaker":"Carl Widger","startTime":4061.74,"endTime":4064.5899999999997,"body":"best for the business."},{"speaker":"Alan Smith","startTime":4066.24,"endTime":4069.5099999999998,"body":"Just a quick point"},{"speaker":"Alan Smith","startTime":4066.24,"endTime":4069.5099999999998,"body":"on that call. In the UK, at"},{"speaker":"Alan Smith","startTime":4069.5099999999998,"endTime":4073.74,"body":"least you have to be a bit"},{"speaker":"Alan Smith","startTime":4069.5099999999998,"endTime":4073.74,"body":"careful about having, you know,"},{"speaker":"Alan Smith","startTime":4073.89,"endTime":4079.23,"body":"sales, people being remunerated"},{"speaker":"Alan Smith","startTime":4073.89,"endTime":4079.23,"body":"about force for sales. There's"},{"speaker":"Alan Smith","startTime":4079.2599999999998,"endTime":4081.63,"body":"FCA have published information"},{"speaker":"Alan Smith","startTime":4079.2599999999998,"endTime":4081.63,"body":"on this they want and they're"},{"speaker":"Alan Smith","startTime":4081.63,"endTime":4084.87,"body":"asking, there's another dear CEO"},{"speaker":"Alan Smith","startTime":4081.63,"endTime":4084.87,"body":"letter to think just going out"},{"speaker":"Alan Smith","startTime":4085.65,"endTime":4088.56,"body":"more, I think, focused on the"},{"speaker":"Alan Smith","startTime":4085.65,"endTime":4088.56,"body":"discretionary manager side of"},{"speaker":"Alan Smith","startTime":4088.56,"endTime":4090.42,"body":"things, but they're"},{"speaker":"Alan Smith","startTime":4088.56,"endTime":4090.42,"body":"uncomfortable because they"},{"speaker":"Alan Smith","startTime":4090.42,"endTime":4093.45,"body":"believe in His true incentives"},{"speaker":"Alan Smith","startTime":4090.42,"endTime":4093.45,"body":"drive behavior. So it might lead"},{"speaker":"Alan Smith","startTime":4093.45,"endTime":4097.08,"body":"to unsatisfactory practices for"},{"speaker":"Alan Smith","startTime":4093.45,"endTime":4097.08,"body":"that. So just something for UK"},{"speaker":"Alan Smith","startTime":4097.08,"endTime":4099.87,"body":"advisors are aware of that and"},{"speaker":"Alan Smith","startTime":4097.08,"endTime":4099.87,"body":"conversant with that there needs"},{"speaker":"Alan Smith","startTime":4099.87,"endTime":4104.25,"body":"to be a broader base of"},{"speaker":"Alan Smith","startTime":4099.87,"endTime":4104.25,"body":"incentive of activities. For"},{"speaker":"Alan Smith","startTime":4104.25,"endTime":4108.36,"body":"advisors, other than Yeah,"},{"speaker":"Alan Smith","startTime":4104.25,"endTime":4108.36,"body":"winning for clients. But but but"},{"speaker":"Alan Smith","startTime":4108.39,"endTime":4109.41,"body":"you know, it's you know, I'm"},{"speaker":"Carl Widger","startTime":4109.41,"endTime":4111.75,"body":"sure you're not"},{"speaker":"Carl Widger","startTime":4109.41,"endTime":4111.75,"body":"afraid management fair, very"},{"speaker":"Carl Widger","startTime":4111.75,"endTime":4116.25,"body":"fair point. And that's why the"},{"speaker":"Carl Widger","startTime":4111.75,"endTime":4116.25,"body":"private client managers are not"},{"speaker":"Carl Widger","startTime":4116.61,"endTime":4121.92,"body":"just paid on new biz are paid on"},{"speaker":"Carl Widger","startTime":4116.61,"endTime":4121.92,"body":"everything in the book. And"},{"speaker":"Carl Widger","startTime":4121.92,"endTime":4124.56,"body":"that's why the KPIs are there."},{"speaker":"Carl Widger","startTime":4121.92,"endTime":4124.56,"body":"So the personal KPIs, but I"},{"speaker":"Carl Widger","startTime":4124.56,"endTime":4127.02,"body":"mean, you have to have some"},{"speaker":"Carl Widger","startTime":4124.56,"endTime":4127.02,"body":"metric as to, you know, we can't"},{"speaker":"Carl Widger","startTime":4127.02,"endTime":4129.39,"body":"be paying bonuses if the"},{"speaker":"Carl Widger","startTime":4127.02,"endTime":4129.39,"body":"businesses is, for example,"},{"speaker":"Carl Widger","startTime":4129.39,"endTime":4133.5,"body":"losing money, which is not, but"},{"speaker":"Carl Widger","startTime":4129.39,"endTime":4133.5,"body":"you know, so there. That's why"},{"speaker":"Carl Widger","startTime":4133.5,"endTime":4136.86,"body":"we have those in place, but it's"},{"speaker":"Carl Widger","startTime":4133.5,"endTime":4136.86,"body":"fair point. And the same applies"},{"speaker":"Carl Widger","startTime":4136.86,"endTime":4139.68,"body":"here. So we do have to be"},{"speaker":"Carl Widger","startTime":4136.86,"endTime":4139.68,"body":"careful as to how we structure"},{"speaker":"Carl Widger","startTime":4139.68,"endTime":4143.16,"body":"those. But it's, it's if the"},{"speaker":"Carl Widger","startTime":4139.68,"endTime":4143.16,"body":"business is doing well, then"},{"speaker":"Carl Widger","startTime":4143.1900000000005,"endTime":4144.06,"body":"everybody does well."},{"speaker":"Nick Lincoln","startTime":4146.01,"endTime":4147.6900000000005,"body":"Great stuff."},{"speaker":"Nick Lincoln","startTime":4146.01,"endTime":4147.6900000000005,"body":"Thanks, guys. I mean, myself,"},{"speaker":"Nick Lincoln","startTime":4147.6900000000005,"endTime":4152.43,"body":"and Andy can't really contribute"},{"speaker":"Nick Lincoln","startTime":4147.6900000000005,"endTime":4152.43,"body":"to this. But it's a it's an"},{"speaker":"Nick Lincoln","startTime":4152.43,"endTime":4154.95,"body":"ongoing one and guy you asked,"},{"speaker":"Nick Lincoln","startTime":4152.43,"endTime":4154.95,"body":"Could we do an episode or we"},{"speaker":"Nick Lincoln","startTime":4154.95,"endTime":4159.78,"body":"could do an episode? I know, but"},{"speaker":"Nick Lincoln","startTime":4154.95,"endTime":4159.78,"body":"I mean, yeah. And he, there is."},{"speaker":"Andy Hart","startTime":4160.14,"endTime":4162.6,"body":"Alan, can you think"},{"speaker":"Andy Hart","startTime":4160.14,"endTime":4162.6,"body":"of any? Who are the people that"},{"speaker":"Andy Hart","startTime":4162.6,"endTime":4165.3,"body":"come out of these benchmark"},{"speaker":"Andy Hart","startTime":4162.6,"endTime":4165.3,"body":"study reports and stuff? They"},{"speaker":"Andy Hart","startTime":4165.3,"endTime":4168.42,"body":"get circulated within our groups"},{"speaker":"Andy Hart","startTime":4165.3,"endTime":4168.42,"body":"every so often not the typical"},{"speaker":"Andy Hart","startTime":4168.42,"endTime":4172.71,"body":"adviser. The Bramalea income"},{"speaker":"Andy Hart","startTime":4168.42,"endTime":4172.71,"body":"levels? Were they Yeah, there's"},{"speaker":"Andy Hart","startTime":4172.71,"endTime":4172.98,"body":"there's"},{"speaker":"Alan Smith","startTime":4172.98,"endTime":4175.65,"body":"there's several."},{"speaker":"Alan Smith","startTime":4172.98,"endTime":4175.65,"body":"There's a company that wants to"},{"speaker":"Alan Smith","startTime":4175.65,"endTime":4178.26,"body":"meet springs to mind. I don't"},{"speaker":"Alan Smith","startTime":4175.65,"endTime":4178.26,"body":"have I don't think we've got"},{"speaker":"Alan Smith","startTime":4178.26,"endTime":4181.08,"body":"anything to do with them. But"},{"speaker":"Alan Smith","startTime":4178.26,"endTime":4181.08,"body":"they publish it's called I think"},{"speaker":"Alan Smith","startTime":4181.08,"endTime":4183.63,"body":"I'm correct saying be WD that's"},{"speaker":"Alan Smith","startTime":4181.08,"endTime":4183.63,"body":"a name that springs to mind,"},{"speaker":"Alan Smith","startTime":4183.63,"endTime":4189.15,"body":"like a check it off. But there's"},{"speaker":"Alan Smith","startTime":4183.63,"endTime":4189.15,"body":"at least three who published"},{"speaker":"Alan Smith","startTime":4189.15,"endTime":4192.21,"body":"this. I mean, I, you look at it,"},{"speaker":"Alan Smith","startTime":4189.15,"endTime":4192.21,"body":"and you think I mean, it,"},{"speaker":"Alan Smith","startTime":4192.24,"endTime":4195.96,"body":"certainly when we compare is"},{"speaker":"Alan Smith","startTime":4192.24,"endTime":4195.96,"body":"something that I think we'd be"},{"speaker":"Alan Smith","startTime":4195.96,"endTime":4197.91,"body":"happy to share with our team"},{"speaker":"Alan Smith","startTime":4195.96,"endTime":4197.91,"body":"because it shows that we pay"},{"speaker":"Alan Smith","startTime":4197.91,"endTime":4202.59,"body":"well. You know, I buy obviously,"},{"speaker":"Alan Smith","startTime":4197.91,"endTime":4202.59,"body":"we're in London, London, that"},{"speaker":"Alan Smith","startTime":4202.8,"endTime":4205.5599999999995,"body":"people are more, but the costs"},{"speaker":"Alan Smith","startTime":4202.8,"endTime":4205.5599999999995,"body":"are more, et cetera. But there's"},{"speaker":"Alan Smith","startTime":4205.59,"endTime":4208.8,"body":"some of these reports, I think"},{"speaker":"Alan Smith","startTime":4205.59,"endTime":4208.8,"body":"BW D, or a recruitment company,"},{"speaker":"Alan Smith","startTime":4209.46,"endTime":4212.88,"body":"which published this and it's"},{"speaker":"Alan Smith","startTime":4209.46,"endTime":4212.88,"body":"regional dependency, and so"},{"speaker":"Alan Smith","startTime":4212.88,"endTime":4215.43,"body":"they've got it all broken down"},{"speaker":"Alan Smith","startTime":4212.88,"endTime":4215.43,"body":"for advisors, Senior Advisor,"},{"speaker":"Alan Smith","startTime":4215.43,"endTime":4219.3,"body":"experienced Yeah, power plan."},{"speaker":"Alan Smith","startTime":4215.43,"endTime":4219.3,"body":"It's, it's a murky old world,"},{"speaker":"Alan Smith","startTime":4219.3,"endTime":4222.03,"body":"when we get I often see things"},{"speaker":"Alan Smith","startTime":4219.3,"endTime":4222.03,"body":"sent to us about you know,"},{"speaker":"Alan Smith","startTime":4222.03,"endTime":4224.46,"body":"people from recruitment"},{"speaker":"Alan Smith","startTime":4222.03,"endTime":4224.46,"body":"companies talking about got this"},{"speaker":"Alan Smith","startTime":4224.46,"endTime":4229.29,"body":"paraplanner. And we've got our"},{"speaker":"Alan Smith","startTime":4224.46,"endTime":4229.29,"body":"own definition, what a"},{"speaker":"Alan Smith","startTime":4229.29,"endTime":4231.39,"body":"paraplanner. We call them"},{"speaker":"Alan Smith","startTime":4229.29,"endTime":4231.39,"body":"associates, but it's to do with"},{"speaker":"Alan Smith","startTime":4231.39,"endTime":4233.28,"body":"their qualifications and"},{"speaker":"Alan Smith","startTime":4231.39,"endTime":4233.28,"body":"experience and everything else."},{"speaker":"Alan Smith","startTime":4234.0,"endTime":4237.87,"body":"But I think there are certain"},{"speaker":"Alan Smith","startTime":4234.0,"endTime":4237.87,"body":"words that attract higher"},{"speaker":"Alan Smith","startTime":4237.9,"endTime":4240.5999999999995,"body":"compensation, the higher"},{"speaker":"Alan Smith","startTime":4237.9,"endTime":4240.5999999999995,"body":"remuneration, that otherwise"},{"speaker":"Alan Smith","startTime":4240.63,"endTime":4242.88,"body":"might be somebody who's sort of"},{"speaker":"Alan Smith","startTime":4240.63,"endTime":4242.88,"body":"currently studying for a"},{"speaker":"Alan Smith","startTime":4242.88,"endTime":4247.26,"body":"diploma, for example, is earlier"},{"speaker":"Alan Smith","startTime":4242.88,"endTime":4247.26,"body":"on in their career. In my"},{"speaker":"Alan Smith","startTime":4247.26,"endTime":4250.26,"body":"experience, it isn't necessarily"},{"speaker":"Alan Smith","startTime":4247.26,"endTime":4250.26,"body":"an experienced chartered level"},{"speaker":"Alan Smith","startTime":4250.38,"endTime":4254.34,"body":"paraplanner who would command"},{"speaker":"Alan Smith","startTime":4250.38,"endTime":4254.34,"body":"premium in terms of compensation"},{"speaker":"Alan Smith","startTime":4254.34,"endTime":4256.95,"body":"so but it's quite good to have a"},{"speaker":"Alan Smith","startTime":4254.34,"endTime":4256.95,"body":"rough look a lot of things in"},{"speaker":"Alan Smith","startTime":4256.95,"endTime":4260.07,"body":"life. It's a rough guide, it's a"},{"speaker":"Alan Smith","startTime":4256.95,"endTime":4260.07,"body":"rough benchmark, and then you"},{"speaker":"Alan Smith","startTime":4260.07,"endTime":4263.58,"body":"but it's, if this is a if you're"},{"speaker":"Alan Smith","startTime":4260.07,"endTime":4263.58,"body":"if you're if you're trying to"},{"speaker":"Alan Smith","startTime":4263.64,"endTime":4267.51,"body":"get guys questions, anyway,"},{"speaker":"Alan Smith","startTime":4263.64,"endTime":4267.51,"body":"trying to optimize find the"},{"speaker":"Alan Smith","startTime":4267.51,"endTime":4271.47,"body":"perfect compensation model. It"},{"speaker":"Alan Smith","startTime":4267.51,"endTime":4271.47,"body":"doesn't exist. You know, you try"},{"speaker":"Alan Smith","startTime":4271.47,"endTime":4273.84,"body":"and test things, compare"},{"speaker":"Alan Smith","startTime":4271.47,"endTime":4273.84,"body":"yourself with the market, but"},{"speaker":"Alan Smith","startTime":4273.84,"endTime":4276.99,"body":"make sure there's a lot more, if"},{"speaker":"Alan Smith","startTime":4273.84,"endTime":4276.99,"body":"you will. recruiting people"},{"speaker":"Alan Smith","startTime":4277.05,"endTime":4280.0199999999995,"body":"presume is talking from a"},{"speaker":"Alan Smith","startTime":4277.05,"endTime":4280.0199999999995,"body":"recruitment viewpoint, a lot"},{"speaker":"Alan Smith","startTime":4280.0199999999995,"endTime":4283.05,"body":"more on your offering than just"},{"speaker":"Alan Smith","startTime":4280.0199999999995,"endTime":4283.05,"body":"the money things. It's felt"},{"speaker":"Alan Smith","startTime":4283.05,"endTime":4284.79,"body":"you're never going to win that"},{"speaker":"Alan Smith","startTime":4283.05,"endTime":4284.79,"body":"just competing and paying the"},{"speaker":"Alan Smith","startTime":4284.79,"endTime":4287.25,"body":"highest amount. It's probably"},{"speaker":"Alan Smith","startTime":4284.79,"endTime":4287.25,"body":"pay a bit. Yeah. And"},{"speaker":"Carl Widger","startTime":4287.25,"endTime":4290.0999999999995,"body":"I think Alan to"},{"speaker":"Carl Widger","startTime":4287.25,"endTime":4290.0999999999995,"body":"your, to your previous point,"},{"speaker":"Carl Widger","startTime":4290.16,"endTime":4293.82,"body":"keep it simple. Like the"},{"speaker":"Carl Widger","startTime":4290.16,"endTime":4293.82,"body":"ancillary benefits, everything"},{"speaker":"Carl Widger","startTime":4293.82,"endTime":4296.64,"body":"that goes around the money,"},{"speaker":"Carl Widger","startTime":4293.82,"endTime":4296.64,"body":"great, fantastic. Knock yourself"},{"speaker":"Carl Widger","startTime":4296.64,"endTime":4300.93,"body":"out. But how people, when"},{"speaker":"Carl Widger","startTime":4296.64,"endTime":4300.93,"body":"someone walks into this office"},{"speaker":"Carl Widger","startTime":4300.93,"endTime":4306.0599999999995,"body":"here, I need to know immediately"},{"speaker":"Carl Widger","startTime":4300.93,"endTime":4306.0599999999995,"body":"what their baggage is, as"},{"speaker":"Carl Widger","startTime":4306.0599999999995,"endTime":4309.9,"body":"opposed to going out today, what"},{"speaker":"Carl Widger","startTime":4306.0599999999995,"endTime":4309.9,"body":"did I agree here, which is how I"},{"speaker":"Carl Widger","startTime":4309.9,"endTime":4312.66,"body":"used to do so I used to have,"},{"speaker":"Carl Widger","startTime":4309.9,"endTime":4312.66,"body":"like different things all over"},{"speaker":"Carl Widger","startTime":4312.66,"endTime":4315.84,"body":"the place for different people."},{"speaker":"Carl Widger","startTime":4312.66,"endTime":4315.84,"body":"Yeah, whereas now it's like,"},{"speaker":"Carl Widger","startTime":4315.87,"endTime":4320.13,"body":"it's it's standard. Everybody"},{"speaker":"Carl Widger","startTime":4315.87,"endTime":4320.13,"body":"knows, I know, they know. And"},{"speaker":"Carl Widger","startTime":4320.16,"endTime":4323.22,"body":"it's easy for people to predict"},{"speaker":"Carl Widger","startTime":4320.16,"endTime":4323.22,"body":"what they might make, if they"},{"speaker":"Carl Widger","startTime":4323.25,"endTime":4326.28,"body":"you know, based on so keep it"},{"speaker":"Carl Widger","startTime":4323.25,"endTime":4326.28,"body":"simple, keep it simple, keep it"},{"speaker":"Carl Widger","startTime":4326.28,"endTime":4326.58,"body":"simple."},{"speaker":"Alan Smith","startTime":4327.0,"endTime":4332.19,"body":"Keep it simple. I"},{"speaker":"Alan Smith","startTime":4327.0,"endTime":4332.19,"body":"just can say that. nowadays. I"},{"speaker":"Alan Smith","startTime":4332.19,"endTime":4334.14,"body":"mean, when I started, it was"},{"speaker":"Alan Smith","startTime":4332.19,"endTime":4334.14,"body":"just, you know, basically yours"},{"speaker":"Alan Smith","startTime":4334.14,"endTime":4336.51,"body":"paid salaries and stuff. But as"},{"speaker":"Alan Smith","startTime":4334.14,"endTime":4336.51,"body":"we've grown and matured as a"},{"speaker":"Alan Smith","startTime":4336.51,"endTime":4339.63,"body":"business, we've got a very"},{"speaker":"Alan Smith","startTime":4336.51,"endTime":4339.63,"body":"comprehensive, you know, package"},{"speaker":"Alan Smith","startTime":4339.66,"endTime":4344.64,"body":"in terms of quite, I would say"},{"speaker":"Alan Smith","startTime":4339.66,"endTime":4344.64,"body":"big, much higher than the"},{"speaker":"Alan Smith","startTime":4344.64,"endTime":4349.26,"body":"average, non contributory"},{"speaker":"Alan Smith","startTime":4344.64,"endTime":4349.26,"body":"pension contributions, life"},{"speaker":"Alan Smith","startTime":4349.26,"endTime":4353.04,"body":"insurance, death and service,"},{"speaker":"Alan Smith","startTime":4349.26,"endTime":4353.04,"body":"private medical insurance, bunch"},{"speaker":"Alan Smith","startTime":4353.04,"endTime":4355.74,"body":"a bunch of other stuff, which"},{"speaker":"Alan Smith","startTime":4353.04,"endTime":4355.74,"body":"obviously, obviously is not on"},{"speaker":"Alan Smith","startTime":4355.74,"endTime":4359.25,"body":"this on necessarily reflected on"},{"speaker":"Alan Smith","startTime":4355.74,"endTime":4359.25,"body":"the amount you receive every"},{"speaker":"Alan Smith","startTime":4359.25,"endTime":4362.55,"body":"month. So we're last few years"},{"speaker":"Alan Smith","startTime":4359.25,"endTime":4362.55,"body":"we have this is something for"},{"speaker":"Alan Smith","startTime":4362.58,"endTime":4365.16,"body":"people who've got running"},{"speaker":"Alan Smith","startTime":4362.58,"endTime":4365.16,"body":"running firms, with teams,"},{"speaker":"Alan Smith","startTime":4365.19,"endTime":4369.63,"body":"whatever their employees are,"},{"speaker":"Alan Smith","startTime":4365.19,"endTime":4369.63,"body":"create a, what do we call it,"},{"speaker":"Alan Smith","startTime":4369.63,"endTime":4372.36,"body":"like total benefit statement,"},{"speaker":"Alan Smith","startTime":4369.63,"endTime":4372.36,"body":"you know, once a year, just say"},{"speaker":"Alan Smith","startTime":4372.36,"endTime":4375.72,"body":"because if you say if you paid,"},{"speaker":"Alan Smith","startTime":4372.36,"endTime":4375.72,"body":"let's say 5050 grand or"},{"speaker":"Alan Smith","startTime":4375.72,"endTime":4378.42,"body":"something, but you look at an"},{"speaker":"Alan Smith","startTime":4375.72,"endTime":4378.42,"body":"including, you know, even"},{"speaker":"Alan Smith","startTime":4378.42,"endTime":4380.67,"body":"holidays, that not public"},{"speaker":"Alan Smith","startTime":4378.42,"endTime":4380.67,"body":"holidays, but additional"},{"speaker":"Alan Smith","startTime":4380.67,"endTime":4383.07,"body":"holidays we get and we get the"},{"speaker":"Alan Smith","startTime":4380.67,"endTime":4383.07,"body":"no one works for us between"},{"speaker":"Alan Smith","startTime":4383.07,"endTime":4385.62,"body":"Christmas and New Year. But"},{"speaker":"Alan Smith","startTime":4383.07,"endTime":4385.62,"body":"that's actually that's a cost to"},{"speaker":"Alan Smith","startTime":4385.62,"endTime":4387.72,"body":"the business of all those"},{"speaker":"Alan Smith","startTime":4385.62,"endTime":4387.72,"body":"things, but you sort of add all"},{"speaker":"Alan Smith","startTime":4387.72,"endTime":4391.44,"body":"those various aspects up. And"},{"speaker":"Alan Smith","startTime":4387.72,"endTime":4391.44,"body":"from memory last time I looked"},{"speaker":"Alan Smith","startTime":4391.44,"endTime":4396.03,"body":"is probably comfortably another"},{"speaker":"Alan Smith","startTime":4391.44,"endTime":4396.03,"body":"30% on top in terms of what the"},{"speaker":"Alan Smith","startTime":4396.03,"endTime":4399.54,"body":"you know, how you're compensated"},{"speaker":"Alan Smith","startTime":4396.03,"endTime":4399.54,"body":"or grown or think supported"},{"speaker":"Alan Smith","startTime":4399.54,"endTime":4404.16,"body":"sometimes to remind people,"},{"speaker":"Alan Smith","startTime":4399.54,"endTime":4404.16,"body":"there's not necessarily just the"},{"speaker":"Alan Smith","startTime":4404.16,"endTime":4407.49,"body":"salary that you get after tax"},{"speaker":"Alan Smith","startTime":4404.16,"endTime":4407.49,"body":"and your paycheck at the end of"},{"speaker":"Alan Smith","startTime":4407.49,"endTime":4411.09,"body":"the month, or wherever it might"},{"speaker":"Alan Smith","startTime":4407.49,"endTime":4411.09,"body":"be. So total total benefit"},{"speaker":"Alan Smith","startTime":4411.09,"endTime":4415.26,"body":"statements are useful. Okay,"},{"speaker":"Alan Smith","startTime":4411.09,"endTime":4415.26,"body":"today we have a point is he"},{"speaker":"Alan Smith","startTime":4415.26,"endTime":4416.46,"body":"gone? Is he okay,"},{"speaker":"Nick Lincoln","startTime":4416.46,"endTime":4417.87,"body":"great stuff, I"},{"speaker":"Nick Lincoln","startTime":4416.46,"endTime":4417.87,"body":"think Well, I think we're done"},{"speaker":"Nick Lincoln","startTime":4417.87,"endTime":4422.67,"body":"on that really closing on that"},{"speaker":"Nick Lincoln","startTime":4417.87,"endTime":4422.67,"body":"we and the hour Allen and myself"},{"speaker":"Nick Lincoln","startTime":4422.67,"endTime":4424.98,"body":"now a member of this, this peer"},{"speaker":"Nick Lincoln","startTime":4422.67,"endTime":4424.98,"body":"group that go to once a month"},{"speaker":"Nick Lincoln","startTime":4424.98,"endTime":4428.04,"body":"and his firm are well known,"},{"speaker":"Nick Lincoln","startTime":4424.98,"endTime":4428.04,"body":"well respected firm. They"},{"speaker":"Nick Lincoln","startTime":4428.04,"endTime":4431.8499999999995,"body":"brought in bonus structures, no"},{"speaker":"Nick Lincoln","startTime":4428.04,"endTime":4431.8499999999995,"body":"employee, employees sort of a"},{"speaker":"Nick Lincoln","startTime":4431.94,"endTime":4435.21,"body":"share by bias the business and"},{"speaker":"Nick Lincoln","startTime":4431.94,"endTime":4435.21,"body":"the staff were actually"},{"speaker":"Nick Lincoln","startTime":4435.21,"endTime":4436.8,"body":"disappointed. They weren't at"},{"speaker":"Nick Lincoln","startTime":4435.21,"endTime":4436.8,"body":"the levels they thought they"},{"speaker":"Nick Lincoln","startTime":4436.8,"endTime":4438.93,"body":"were gonna get. It's like, you"},{"speaker":"Nick Lincoln","startTime":4436.8,"endTime":4438.93,"body":"gotta be really careful about"},{"speaker":"Nick Lincoln","startTime":4438.93,"endTime":4442.26,"body":"this kind of stuff. It can the"},{"speaker":"Nick Lincoln","startTime":4438.93,"endTime":4442.26,"body":"road to hell is paved with good"},{"speaker":"Nick Lincoln","startTime":4442.26,"endTime":4446.01,"body":"intentions. Okay, we're over."},{"speaker":"Nick Lincoln","startTime":4442.26,"endTime":4446.01,"body":"We're at 71 minutes and we've"},{"speaker":"Nick Lincoln","startTime":4446.01,"endTime":4448.47,"body":"got another question in the"},{"speaker":"Nick Lincoln","startTime":4446.01,"endTime":4448.47,"body":"hopper. Gents. Do we want to do"},{"speaker":"Nick Lincoln","startTime":4448.47,"endTime":4452.46,"body":"this or do we want to move on to"},{"speaker":"Nick Lincoln","startTime":4448.47,"endTime":4452.46,"body":"culture corner? Yeah, we just"},{"speaker":"Nick Lincoln","startTime":4452.49,"endTime":4455.79,"body":"quickly thumb up ones give me a"},{"speaker":"Nick Lincoln","startTime":4452.49,"endTime":4455.79,"body":"thumb down is that boy,"},{"speaker":"Alan Smith","startTime":4455.88,"endTime":4458.07,"body":"just just it's"},{"speaker":"Alan Smith","startTime":4455.88,"endTime":4458.07,"body":"merely for you to guys? I think"},{"speaker":"Alan Smith","startTime":4458.07,"endTime":4462.72,"body":"is it just whichever have a 90"},{"speaker":"Alan Smith","startTime":4458.07,"endTime":4462.72,"body":"minute limit on this was 71."},{"speaker":"Alan Smith","startTime":4462.78,"endTime":4465.0599999999995,"body":"We've got 90 minutes. Okay, so"},{"speaker":"Alan Smith","startTime":4462.78,"endTime":4465.0599999999995,"body":"go Alright, okay,"},{"speaker":"Nick Lincoln","startTime":4465.0599999999995,"endTime":4470.01,"body":"that's it. That's"},{"speaker":"Nick Lincoln","startTime":4465.0599999999995,"endTime":4470.01,"body":"what this one is from Benjamin"},{"speaker":"Nick Lincoln","startTime":4470.04,"endTime":4475.74,"body":"Mitchell, who's on Twitter as at"},{"speaker":"Nick Lincoln","startTime":4470.04,"endTime":4475.74,"body":"the money Scott. Benjamin says"},{"speaker":"Nick Lincoln","startTime":4475.74,"endTime":4479.34,"body":"do the four horsemen of the"},{"speaker":"Nick Lincoln","startTime":4475.74,"endTime":4479.34,"body":"apocalypse. The pile of trap"},{"speaker":"Nick Lincoln","startTime":4479.34,"endTime":4481.83,"body":"never fails to provide the"},{"speaker":"Nick Lincoln","startTime":4479.34,"endTime":4481.83,"body":"perfect mix of humor and value"},{"speaker":"Nick Lincoln","startTime":4481.83,"endTime":4484.65,"body":"to ask me and multiple financial"},{"speaker":"Nick Lincoln","startTime":4481.83,"endTime":4484.65,"body":"services professionals. Thanks"},{"speaker":"Nick Lincoln","startTime":4484.65,"endTime":4487.62,"body":"for all the time you spend on"},{"speaker":"Nick Lincoln","startTime":4484.65,"endTime":4487.62,"body":"this. Yeah, if only you knew"},{"speaker":"Nick Lincoln","startTime":4488.25,"endTime":4490.71,"body":"it's really appreciated. And"},{"speaker":"Nick Lincoln","startTime":4488.25,"endTime":4490.71,"body":"I've already taken so many"},{"speaker":"Nick Lincoln","startTime":4490.71,"endTime":4493.7699999999995,"body":"things on that you said on"},{"speaker":"Nick Lincoln","startTime":4490.71,"endTime":4493.7699999999995,"body":"board. This one is lightly aimed"},{"speaker":"Nick Lincoln","startTime":4493.7699999999995,"endTime":4497.0999999999995,"body":"at Nick Anandi as one man band"},{"speaker":"Nick Lincoln","startTime":4493.7699999999995,"endTime":4497.0999999999995,"body":"extraordinaire, there's how do"},{"speaker":"Nick Lincoln","startTime":4497.0999999999995,"endTime":4500.49,"body":"you approach power planning as a"},{"speaker":"Nick Lincoln","startTime":4497.0999999999995,"endTime":4500.49,"body":"small business owners? Do you"},{"speaker":"Nick Lincoln","startTime":4500.49,"endTime":4504.03,"body":"outsource this? Or do it in"},{"speaker":"Nick Lincoln","startTime":4500.49,"endTime":4504.03,"body":"house? And if so any experiences"},{"speaker":"Nick Lincoln","startTime":4504.03,"endTime":4506.73,"body":"or tips to share thanks in"},{"speaker":"Nick Lincoln","startTime":4504.03,"endTime":4506.73,"body":"advance? Ultra? Do you want to"},{"speaker":"Nick Lincoln","startTime":4506.73,"endTime":4515.67,"body":"go first? You go first. Thank"},{"speaker":"Nick Lincoln","startTime":4506.73,"endTime":4515.67,"body":"you. So my coming back to my"},{"speaker":"Nick Lincoln","startTime":4515.7,"endTime":4522.87,"body":"that my three wins 2023 I gotta"},{"speaker":"Nick Lincoln","startTime":4515.7,"endTime":4522.87,"body":"be I don't sound so grand as"},{"speaker":"Nick Lincoln","startTime":4523.05,"endTime":4525.8099999999995,"body":"aggrandizing but I do run a"},{"speaker":"Nick Lincoln","startTime":4523.05,"endTime":4525.8099999999995,"body":"pretty simple and elegant"},{"speaker":"Nick Lincoln","startTime":4525.8099999999995,"endTime":4530.01,"body":"business. And I don't need a"},{"speaker":"Nick Lincoln","startTime":4525.8099999999995,"endTime":4530.01,"body":"power planner. Can I say it out"},{"speaker":"Nick Lincoln","startTime":4530.01,"endTime":4534.12,"body":"loud. I just do not need a power"},{"speaker":"Nick Lincoln","startTime":4530.01,"endTime":4534.12,"body":"planner. So I don't use a power"},{"speaker":"Nick Lincoln","startTime":4534.12,"endTime":4537.75,"body":"but most of my clients like my"},{"speaker":"Nick Lincoln","startTime":4534.12,"endTime":4537.75,"body":"families, well, they're gonna go"},{"speaker":"Nick Lincoln","startTime":4537.75,"endTime":4541.53,"body":"into a one or two preferred"},{"speaker":"Nick Lincoln","startTime":4537.75,"endTime":4541.53,"body":"platforms. I know that I know"},{"speaker":"Nick Lincoln","startTime":4541.7699999999995,"endTime":4544.2,"body":"what the investment solution is"},{"speaker":"Nick Lincoln","startTime":4541.7699999999995,"endTime":4544.2,"body":"going to be for those clients"},{"speaker":"Nick Lincoln","startTime":4544.2,"endTime":4546.48,"body":"because it's the same investment"},{"speaker":"Nick Lincoln","startTime":4544.2,"endTime":4546.48,"body":"solution that I use. I take my"},{"speaker":"Nick Lincoln","startTime":4546.48,"endTime":4549.54,"body":"own medicine. I don't chop and"},{"speaker":"Nick Lincoln","startTime":4546.48,"endTime":4549.54,"body":"change clients once they're on a"},{"speaker":"Nick Lincoln","startTime":4549.54,"endTime":4551.97,"body":"platform that sia they should be"},{"speaker":"Nick Lincoln","startTime":4549.54,"endTime":4551.97,"body":"there for the rest of their"},{"speaker":"Nick Lincoln","startTime":4551.97,"endTime":4557.49,"body":"lives. I don't do fun selection"},{"speaker":"Nick Lincoln","startTime":4551.97,"endTime":4557.49,"body":"and all that crap. Stuff that"},{"speaker":"Nick Lincoln","startTime":4557.49,"endTime":4560.16,"body":"perhaps power planners can"},{"speaker":"Nick Lincoln","startTime":4557.49,"endTime":4560.16,"body":"definitely add value with. I"},{"speaker":"Nick Lincoln","startTime":4560.16,"endTime":4562.29,"body":"don't mind writing your"},{"speaker":"Nick Lincoln","startTime":4560.16,"endTime":4562.29,"body":"suitability report. I like"},{"speaker":"Nick Lincoln","startTime":4562.29,"endTime":4565.08,"body":"writing suitability reports, my"},{"speaker":"Nick Lincoln","startTime":4562.29,"endTime":4565.08,"body":"suitability reports are actually"},{"speaker":"Nick Lincoln","startTime":4565.08,"endTime":4569.34,"body":"readable. And I think makes"},{"speaker":"Nick Lincoln","startTime":4565.08,"endTime":4569.34,"body":"sense to Joe Public, which is"},{"speaker":"Nick Lincoln","startTime":4569.34,"endTime":4572.97,"body":"the goal. So that's it. I don't"},{"speaker":"Nick Lincoln","startTime":4569.34,"endTime":4572.97,"body":"do it. I don't do it then or"},{"speaker":"Nick Lincoln","startTime":4572.97,"endTime":4577.62,"body":"Benjamin. I just don't think you"},{"speaker":"Nick Lincoln","startTime":4572.97,"endTime":4577.62,"body":"need to do Do it as if you have"},{"speaker":"Nick Lincoln","startTime":4577.62,"endTime":4582.21,"body":"a light. If you ever want member"},{"speaker":"Nick Lincoln","startTime":4577.62,"endTime":4582.21,"body":"and lifestyle business, I don't"},{"speaker":"Nick Lincoln","startTime":4582.21,"endTime":4584.3099999999995,"body":"think you need a power plant."},{"speaker":"Nick Lincoln","startTime":4582.21,"endTime":4584.3099999999995,"body":"Again, it's a bit like back"},{"speaker":"Nick Lincoln","startTime":4584.3099999999995,"endTime":4586.38,"body":"office systems. I think they're"},{"speaker":"Nick Lincoln","startTime":4584.3099999999995,"endTime":4586.38,"body":"a crutch I think you think you"},{"speaker":"Nick Lincoln","startTime":4586.38,"endTime":4589.47,"body":"need to have them? Actually, I"},{"speaker":"Nick Lincoln","startTime":4586.38,"endTime":4589.47,"body":"don't think you do you do your"},{"speaker":"Nick Lincoln","startTime":4589.47,"endTime":4592.0199999999995,"body":"platform due diligence once a"},{"speaker":"Nick Lincoln","startTime":4589.47,"endTime":4592.0199999999995,"body":"year, you don't need to do it"},{"speaker":"Nick Lincoln","startTime":4592.0199999999995,"endTime":4594.75,"body":"for every client case. That's"},{"speaker":"Nick Lincoln","startTime":4592.0199999999995,"endTime":4594.75,"body":"nonsense. You do it once a year."},{"speaker":"Nick Lincoln","startTime":4595.08,"endTime":4597.51,"body":"So that's a PowerPoint a job"},{"speaker":"Nick Lincoln","startTime":4595.08,"endTime":4597.51,"body":"that doesn't need to be done. If"},{"speaker":"Nick Lincoln","startTime":4597.51,"endTime":4600.03,"body":"you're not doing it every time."},{"speaker":"Nick Lincoln","startTime":4597.51,"endTime":4600.03,"body":"Yeah, that's, that's, I think"},{"speaker":"Nick Lincoln","startTime":4600.03,"endTime":4602.37,"body":"you can do it, I think you can"},{"speaker":"Nick Lincoln","startTime":4600.03,"endTime":4602.37,"body":"do it on your own Andrew,"},{"speaker":"Andy Hart","startTime":4603.57,"endTime":4605.7,"body":"I run a very similar"},{"speaker":"Andy Hart","startTime":4603.57,"endTime":4605.7,"body":"business and Nick in terms of"},{"speaker":"Andy Hart","startTime":4605.7,"endTime":4609.15,"body":"the outcome the clients get in"},{"speaker":"Andy Hart","startTime":4605.7,"endTime":4609.15,"body":"terms of the offering platform,"},{"speaker":"Andy Hart","startTime":4609.15,"endTime":4612.12,"body":"investment solutions, etc. But I"},{"speaker":"Andy Hart","startTime":4609.15,"endTime":4612.12,"body":"do outsource my power panel of"},{"speaker":"Andy Hart","startTime":4612.12,"endTime":4614.61,"body":"outsourcing or power planning,"},{"speaker":"Andy Hart","startTime":4612.12,"endTime":4614.61,"body":"since I pretty much started even"},{"speaker":"Andy Hart","startTime":4614.61,"endTime":4618.75,"body":"when I had no money coming in."},{"speaker":"Andy Hart","startTime":4614.61,"endTime":4618.75,"body":"So yeah, I do recommend getting"},{"speaker":"Andy Hart","startTime":4618.75,"endTime":4621.69,"body":"a paraplanner there are a second"},{"speaker":"Andy Hart","startTime":4618.75,"endTime":4621.69,"body":"brain to look at things and that"},{"speaker":"Andy Hart","startTime":4621.69,"endTime":4626.04,"body":"there is quite a lot of value"},{"speaker":"Andy Hart","startTime":4621.69,"endTime":4626.04,"body":"added to it. However, my counter"},{"speaker":"Andy Hart","startTime":4626.04,"endTime":4631.11,"body":"intuitive advice in this space"},{"speaker":"Andy Hart","startTime":4626.04,"endTime":4631.11,"body":"is find a non famous paraplanner"},{"speaker":"Andy Hart","startTime":4631.83,"endTime":4635.94,"body":"famous power planners are"},{"speaker":"Andy Hart","startTime":4631.83,"endTime":4635.94,"body":"spending a lot of time on social"},{"speaker":"Andy Hart","startTime":4635.94,"endTime":4639.93,"body":"media and trade press. And then"},{"speaker":"Andy Hart","startTime":4635.94,"endTime":4639.93,"body":"they get very busy. And then"},{"speaker":"Andy Hart","startTime":4639.93,"endTime":4644.13,"body":"they start tripling their fees"},{"speaker":"Andy Hart","startTime":4639.93,"endTime":4644.13,"body":"and their service gets terrible."},{"speaker":"Andy Hart","startTime":4644.7,"endTime":4647.5199999999995,"body":"There's lots of small power"},{"speaker":"Andy Hart","startTime":4644.7,"endTime":4647.5199999999995,"body":"planning companies out there"},{"speaker":"Andy Hart","startTime":4647.5199999999995,"endTime":4651.0,"body":"that nobody really knows about."},{"speaker":"Andy Hart","startTime":4647.5199999999995,"endTime":4651.0,"body":"But they sort of do come up on"},{"speaker":"Andy Hart","startTime":4651.0,"endTime":4653.61,"body":"searches and you find them on"},{"speaker":"Andy Hart","startTime":4651.0,"endTime":4653.61,"body":"LinkedIn, and they contact you."},{"speaker":"Andy Hart","startTime":4653.61,"endTime":4658.0199999999995,"body":"So my advice to someone starting"},{"speaker":"Andy Hart","startTime":4653.61,"endTime":4658.0199999999995,"body":"out is find a non famous power"},{"speaker":"Andy Hart","startTime":4658.0199999999995,"endTime":4662.88,"body":"planner, when you find one, you"},{"speaker":"Andy Hart","startTime":4658.0199999999995,"endTime":4662.88,"body":"know, bottle it, we will study"},{"speaker":"Andy Hart","startTime":4662.88,"endTime":4667.68,"body":"it, you know that they're very"},{"speaker":"Andy Hart","startTime":4662.88,"endTime":4667.68,"body":"rare. And don't tell anyone who"},{"speaker":"Andy Hart","startTime":4667.68,"endTime":4670.86,"body":"they are. So I don't tell anyone"},{"speaker":"Andy Hart","startTime":4667.68,"endTime":4670.86,"body":"who the power planner is I use"},{"speaker":"Andy Hart","startTime":4671.37,"endTime":4675.24,"body":"if I mentioned it on here, they"},{"speaker":"Andy Hart","startTime":4671.37,"endTime":4675.24,"body":"would have 100 new clients by"},{"speaker":"Andy Hart","startTime":4675.24,"endTime":4680.0999999999995,"body":"the morning, their fees would"},{"speaker":"Andy Hart","startTime":4675.24,"endTime":4680.0999999999995,"body":"quadruple they'd forget about me"},{"speaker":"Andy Hart","startTime":4680.4,"endTime":4684.36,"body":"and their service would hit the"},{"speaker":"Andy Hart","startTime":4680.4,"endTime":4684.36,"body":"floor. So my recommendation is"},{"speaker":"Andy Hart","startTime":4684.36,"endTime":4687.03,"body":"find a non-famous paraplanner"},{"speaker":"Andy Hart","startTime":4684.36,"endTime":4687.03,"body":"there's loads of them out there"},{"speaker":"Andy Hart","startTime":4687.03,"endTime":4690.75,"body":"really really good independent"},{"speaker":"Andy Hart","startTime":4687.03,"endTime":4690.75,"body":"firms and work with them have a"},{"speaker":"Andy Hart","startTime":4690.75,"endTime":4693.9,"body":"couple of cases trial with them."},{"speaker":"Andy Hart","startTime":4690.75,"endTime":4693.9,"body":"And then once you like them,"},{"speaker":"Andy Hart","startTime":4694.44,"endTime":4697.62,"body":"stay with them for a long time."},{"speaker":"Andy Hart","startTime":4694.44,"endTime":4697.62,"body":"So that's my my advice back to"},{"speaker":"Andy Hart","startTime":4697.62,"endTime":4698.07,"body":"you Nick."},{"speaker":"Alan Smith","startTime":4698.4,"endTime":4702.54,"body":"That the generous"},{"speaker":"Alan Smith","startTime":4698.4,"endTime":4702.54,"body":"Andy Hart what is paraplanner to"},{"speaker":"Alan Smith","startTime":4702.54,"endTime":4703.44,"body":"be successful"},{"speaker":"Unknown","startTime":4703.47,"endTime":4704.67,"body":"at all no charge."},{"speaker":"Carl Widger","startTime":4705.84,"endTime":4707.82,"body":"I hope you find"},{"speaker":"Carl Widger","startTime":4705.84,"endTime":4707.82,"body":"that very helpful."},{"speaker":"Andy Hart","startTime":4710.4,"endTime":4713.16,"body":"Trust me people thank"},{"speaker":"Andy Hart","startTime":4710.4,"endTime":4713.16,"body":"me about that in the past thanks"},{"speaker":"Andy Hart","startTime":4713.16,"endTime":4719.76,"body":"only for telling me since I've"},{"speaker":"Andy Hart","startTime":4713.16,"endTime":4719.76,"body":"gone away from a famous power"},{"speaker":"Andy Hart","startTime":4719.76,"endTime":4721.26,"body":"planning company, the"},{"speaker":"Alan Smith","startTime":4721.92,"endTime":4725.4,"body":"wardrobe. I heard a"},{"speaker":"Alan Smith","startTime":4721.92,"endTime":4725.4,"body":"steep a phrase the other day and"},{"speaker":"Alan Smith","startTime":4725.4,"endTime":4730.59,"body":"I just thought of a thought of"},{"speaker":"Alan Smith","startTime":4725.4,"endTime":4730.59,"body":"Maven immediately. Andy Hart"},{"speaker":"Alan Smith","startTime":4731.4,"endTime":4733.53,"body":"often wrong. never in doubt."},{"speaker":"Andy Hart","startTime":4734.7,"endTime":4737.25,"body":"Exactly. Thank you."},{"speaker":"Andy Hart","startTime":4734.7,"endTime":4737.25,"body":"I'll be on my gravestone"},{"speaker":"Nick Lincoln","startTime":4738.24,"endTime":4740.64,"body":"I'll also know"},{"speaker":"Nick Lincoln","startTime":4738.24,"endTime":4740.64,"body":"tombstone will be my IKEA"},{"speaker":"Nick Lincoln","startTime":4740.64,"endTime":4743.97,"body":"wardrobe is it's more than a"},{"speaker":"Nick Lincoln","startTime":4740.64,"endTime":4743.97,"body":"wardrobe it's a friend"},{"speaker":"Unknown","startTime":4746.25,"endTime":4749.13,"body":"right this is best"},{"speaker":"Unknown","startTime":4746.25,"endTime":4749.13,"body":"friend is wardrobe"},{"speaker":"Carl Widger","startTime":4750.99,"endTime":4752.3099999999995,"body":"I thought that was"},{"speaker":"Carl Widger","startTime":4750.99,"endTime":4752.3099999999995,"body":"his car."},{"speaker":"Nick Lincoln","startTime":4752.82,"endTime":4754.8,"body":"No it's whatever"},{"speaker":"Nick Lincoln","startTime":4752.82,"endTime":4754.8,"body":"is suddenly in his head at that"},{"speaker":"Nick Lincoln","startTime":4754.8,"endTime":4755.07,"body":"moment"},{"speaker":"Unknown","startTime":4755.91,"endTime":4760.23,"body":"as I watched as well"},{"speaker":"Unknown","startTime":4755.91,"endTime":4760.23,"body":"he's got somebody friends leave"},{"speaker":"Unknown","startTime":4760.23,"endTime":4764.46,"body":"him he's got a call suffering is"},{"speaker":"Unknown","startTime":4760.23,"endTime":4764.46,"body":"suffering with suffering with"},{"speaker":"Unknown","startTime":4764.46,"endTime":4764.76,"body":"flu"},{"speaker":"Nick Lincoln","startTime":4771.72,"endTime":4774.48,"body":"76 minutes for a"},{"speaker":"Nick Lincoln","startTime":4771.72,"endTime":4774.48,"body":"76 minutes let's move on to come"},{"speaker":"Nick Lincoln","startTime":4774.48,"endTime":4782.97,"body":"to pray this drop works. Haul"},{"speaker":"Nick Lincoln","startTime":4774.48,"endTime":4782.97,"body":"keto Okey, so this would be a"},{"speaker":"Nick Lincoln","startTime":4782.97,"endTime":4786.15,"body":"good culture corner thing on its"},{"speaker":"Nick Lincoln","startTime":4782.97,"endTime":4786.15,"body":"own an app or website called"},{"speaker":"Nick Lincoln","startTime":4786.15,"endTime":4789.45,"body":"Good Reads. If like me you're a"},{"speaker":"Nick Lincoln","startTime":4786.15,"endTime":4789.45,"body":"bit of a sad and you'd like to"},{"speaker":"Nick Lincoln","startTime":4789.8099999999995,"endTime":4792.39,"body":"store all the books you've read"},{"speaker":"Nick Lincoln","startTime":4789.8099999999995,"endTime":4792.39,"body":"on the you read them in and how"},{"speaker":"Nick Lincoln","startTime":4792.39,"endTime":4795.09,"body":"you rated them and tag them."},{"speaker":"Nick Lincoln","startTime":4792.39,"endTime":4795.09,"body":"Goodreads is a really good free"},{"speaker":"Nick Lincoln","startTime":4795.09,"endTime":4799.62,"body":"site to doing that. I read 26"},{"speaker":"Nick Lincoln","startTime":4795.09,"endTime":4799.62,"body":"books in 2023 my best year was"},{"speaker":"Nick Lincoln","startTime":4799.62,"endTime":4804.0599999999995,"body":"2019 when I read 41 Why do you"},{"speaker":"Nick Lincoln","startTime":4799.62,"endTime":4804.0599999999995,"body":"care? You don't care. 26 books"},{"speaker":"Nick Lincoln","startTime":4804.0599999999995,"endTime":4807.2699999999995,"body":"last year. My top books from"},{"speaker":"Nick Lincoln","startTime":4804.0599999999995,"endTime":4807.2699999999995,"body":"last year were unreasoned. There"},{"speaker":"Nick Lincoln","startTime":4807.2699999999995,"endTime":4809.55,"body":"are links to all of these in"},{"speaker":"Nick Lincoln","startTime":4807.2699999999995,"endTime":4809.55,"body":"several Show Notes unreasonable"},{"speaker":"Nick Lincoln","startTime":4809.55,"endTime":4812.4,"body":"hospitality by Wilker, there"},{"speaker":"Nick Lincoln","startTime":4809.55,"endTime":4812.4,"body":"excellent about service and"},{"speaker":"Nick Lincoln","startTime":4812.4,"endTime":4814.74,"body":"bedding service at every level"},{"speaker":"Nick Lincoln","startTime":4812.4,"endTime":4814.74,"body":"of a business to give clients"},{"speaker":"Nick Lincoln","startTime":4814.74,"endTime":4820.05,"body":"just a wow. Feeling the bet"},{"speaker":"Nick Lincoln","startTime":4814.74,"endTime":4820.05,"body":"between the cretinous Paul"},{"speaker":"Nick Lincoln","startTime":4820.08,"endTime":4824.3099999999995,"body":"Ehrlich and Julian Simon at the"},{"speaker":"Nick Lincoln","startTime":4820.08,"endTime":4824.3099999999995,"body":"start of the 1970s Ehrlich, the"},{"speaker":"Nick Lincoln","startTime":4824.79,"endTime":4827.0999999999995,"body":"essential prophet of doom has"},{"speaker":"Nick Lincoln","startTime":4824.79,"endTime":4827.0999999999995,"body":"always wrong said we're going to"},{"speaker":"Nick Lincoln","startTime":4827.0999999999995,"endTime":4830.07,"body":"run out of commodities. People"},{"speaker":"Nick Lincoln","startTime":4827.0999999999995,"endTime":4830.07,"body":"are going to die in their"},{"speaker":"Nick Lincoln","startTime":4830.07,"endTime":4832.44,"body":"millions. And this economist"},{"speaker":"Nick Lincoln","startTime":4830.07,"endTime":4832.44,"body":"called Julian Simon said, You're"},{"speaker":"Nick Lincoln","startTime":4832.44,"endTime":4834.75,"body":"wrong, we'll have a better net"},{"speaker":"Nick Lincoln","startTime":4832.44,"endTime":4834.75,"body":"at the end of the 1980s or"},{"speaker":"Nick Lincoln","startTime":4834.75,"endTime":4838.86,"body":"1970s. Rather, Simon had one"},{"speaker":"Nick Lincoln","startTime":4834.75,"endTime":4838.86,"body":"hands down early, it was wrong"},{"speaker":"Nick Lincoln","startTime":4838.86,"endTime":4840.45,"body":"about everything. Why is that"},{"speaker":"Nick Lincoln","startTime":4838.86,"endTime":4840.45,"body":"important to you as a real"},{"speaker":"Nick Lincoln","startTime":4840.45,"endTime":4842.79,"body":"financial adviser because you"},{"speaker":"Nick Lincoln","startTime":4840.45,"endTime":4842.79,"body":"need to be reinforcing optimism"},{"speaker":"Nick Lincoln","startTime":4842.79,"endTime":4844.89,"body":"and people's lives. Alright, and"},{"speaker":"Nick Lincoln","startTime":4842.79,"endTime":4844.89,"body":"you need to know who your"},{"speaker":"Nick Lincoln","startTime":4844.89,"endTime":4848.0999999999995,"body":"enemies are and people like Paul"},{"speaker":"Nick Lincoln","startTime":4844.89,"endTime":4848.0999999999995,"body":"Ehrlich are the enemy. I'm asked"},{"speaker":"Nick Lincoln","startTime":4848.0999999999995,"endTime":4850.98,"body":"by Dan Solon really an updated"},{"speaker":"Nick Lincoln","startTime":4848.0999999999995,"endTime":4850.98,"body":"version of how to win friends"},{"speaker":"Nick Lincoln","startTime":4850.98,"endTime":4854.7,"body":"and influence people but really,"},{"speaker":"Nick Lincoln","startTime":4850.98,"endTime":4854.7,"body":"really good. And I guess my"},{"speaker":"Nick Lincoln","startTime":4854.7,"endTime":4859.0199999999995,"body":"final book will be the Elon Musk"},{"speaker":"Nick Lincoln","startTime":4854.7,"endTime":4859.0199999999995,"body":"biography by Walter Isaacson."},{"speaker":"Nick Lincoln","startTime":4859.3499999999995,"endTime":4863.25,"body":"Whatever you think of musk it's"},{"speaker":"Nick Lincoln","startTime":4859.3499999999995,"endTime":4863.25,"body":"a really, really good read warts"},{"speaker":"Nick Lincoln","startTime":4863.25,"endTime":4867.15,"body":"and all I know that voice has"},{"speaker":"Nick Lincoln","startTime":4863.25,"endTime":4867.15,"body":"read it Ultra, you've read it as"},{"speaker":"Nick Lincoln","startTime":4867.15,"endTime":4870.09,"body":"well. I think I've done the file"},{"speaker":"Nick Lincoln","startTime":4867.15,"endTime":4870.09,"body":"and, you know, all of us have"},{"speaker":"Nick Lincoln","startTime":4870.33,"endTime":4872.8499999999995,"body":"well worth reading. If only"},{"speaker":"Nick Lincoln","startTime":4870.33,"endTime":4872.8499999999995,"body":"again, whenever you think about"},{"speaker":"Nick Lincoln","startTime":4872.8499999999995,"endTime":4874.74,"body":"it, it's good. You need to know"},{"speaker":"Nick Lincoln","startTime":4872.8499999999995,"endTime":4874.74,"body":"about him because he is an"},{"speaker":"Nick Lincoln","startTime":4874.74,"endTime":4878.64,"body":"important player in our lives."},{"speaker":"Nick Lincoln","startTime":4874.74,"endTime":4878.64,"body":"Whether you like that or not, so"},{"speaker":"Nick Lincoln","startTime":4878.64,"endTime":4883.71,"body":"those are my culture corners."},{"speaker":"Nick Lincoln","startTime":4878.64,"endTime":4883.71,"body":"Mr. Smith that big. I'm not"},{"speaker":"Nick Lincoln","startTime":4883.71,"endTime":4885.21,"body":"allowed to say what it is"},{"speaker":"Nick Lincoln","startTime":4883.71,"endTime":4885.21,"body":"because Andrew gets upset."},{"speaker":"Nick Lincoln","startTime":4885.24,"endTime":4886.14,"body":"What's your culture corner?"},{"speaker":"Alan Smith","startTime":4887.339,"endTime":4890.489,"body":"Big George Foreman."},{"speaker":"Alan Smith","startTime":4887.339,"endTime":4890.489,"body":"You're bringing things back down"},{"speaker":"Alan Smith","startTime":4890.489,"endTime":4893.8189999999995,"body":"to Earth after someone's who's"},{"speaker":"Alan Smith","startTime":4890.489,"endTime":4893.8189999999995,"body":"reached 41 books in a year."},{"speaker":"Alan Smith","startTime":4895.649,"endTime":4898.5289999999995,"body":"There's a this is a film which"},{"speaker":"Alan Smith","startTime":4895.649,"endTime":4898.5289999999995,"body":"came out last year, it's now"},{"speaker":"Alan Smith","startTime":4898.559,"endTime":4902.8189999999995,"body":"free on Sky think I watched it"},{"speaker":"Alan Smith","startTime":4898.559,"endTime":4902.8189999999995,"body":"over the holidays. super"},{"speaker":"Alan Smith","startTime":4902.8189999999995,"endTime":4906.3589999999995,"body":"inspirational. So I grew up in"},{"speaker":"Alan Smith","startTime":4902.8189999999995,"endTime":4906.3589999999995,"body":"the generation with George"},{"speaker":"Alan Smith","startTime":4906.3589999999995,"endTime":4910.169,"body":"Foreman of that era with the you"},{"speaker":"Alan Smith","startTime":4906.3589999999995,"endTime":4910.169,"body":"know, the Muhammad Ali, Joe"},{"speaker":"Alan Smith","startTime":4910.169,"endTime":4913.5289999999995,"body":"Frazier, Ken Norton, you know,"},{"speaker":"Alan Smith","startTime":4910.169,"endTime":4913.5289999999995,"body":"arguably the best era ever and"},{"speaker":"Alan Smith","startTime":4913.5289999999995,"endTime":4917.099,"body":"heavyweight boxing. And he"},{"speaker":"Alan Smith","startTime":4913.5289999999995,"endTime":4917.099,"body":"became world champion is you"},{"speaker":"Alan Smith","startTime":4917.099,"endTime":4920.999,"body":"know, his backstory is really,"},{"speaker":"Alan Smith","startTime":4917.099,"endTime":4920.999,"body":"really tough. And against the"},{"speaker":"Alan Smith","startTime":4920.999,"endTime":4924.269,"body":"odds, he became world champion,"},{"speaker":"Alan Smith","startTime":4920.999,"endTime":4924.269,"body":"he fought in the famous Rumble"},{"speaker":"Alan Smith","startTime":4924.269,"endTime":4929.699,"body":"in the Jungle with Muhammad Ali"},{"speaker":"Alan Smith","startTime":4924.269,"endTime":4929.699,"body":"and last and then practically"},{"speaker":"Alan Smith","startTime":4929.699,"endTime":4932.519,"body":"stopped after that became a"},{"speaker":"Alan Smith","startTime":4929.699,"endTime":4932.519,"body":"preacher. The whole thing is"},{"speaker":"Alan Smith","startTime":4932.519,"endTime":4936.5689999999995,"body":"just a fascinating journey of"},{"speaker":"Alan Smith","startTime":4932.519,"endTime":4936.5689999999995,"body":"this real life person who then"},{"speaker":"Alan Smith","startTime":4937.289,"endTime":4941.8189999999995,"body":"20 years later that this is our"},{"speaker":"Alan Smith","startTime":4937.289,"endTime":4941.8189999999995,"body":"this is not sharing the call,"},{"speaker":"Alan Smith","startTime":4941.8189999999995,"endTime":4944.459,"body":"don't worry about me giving away"},{"speaker":"Alan Smith","startTime":4941.8189999999995,"endTime":4944.459,"body":"their the story. This is public"},{"speaker":"Alan Smith","startTime":4944.459,"endTime":4947.249,"body":"information that anyone should"},{"speaker":"Alan Smith","startTime":4944.459,"endTime":4947.249,"body":"know about. But 20 years later,"},{"speaker":"Alan Smith","startTime":4947.249,"endTime":4949.559,"body":"he had because he needed to get"},{"speaker":"Alan Smith","startTime":4947.249,"endTime":4949.559,"body":"some make some money again, he"},{"speaker":"Alan Smith","startTime":4949.559,"endTime":4953.459,"body":"goes back into the ring. And"},{"speaker":"Alan Smith","startTime":4949.559,"endTime":4953.459,"body":"guess what, arguably one of the"},{"speaker":"Alan Smith","startTime":4953.459,"endTime":4958.139,"body":"most sensational sporting"},{"speaker":"Alan Smith","startTime":4953.459,"endTime":4958.139,"body":"moments in history in any sports"},{"speaker":"Alan Smith","startTime":4958.139,"endTime":4960.929,"body":"when he became world champion"},{"speaker":"Alan Smith","startTime":4958.139,"endTime":4960.929,"body":"again, 20 years later in his"},{"speaker":"Alan Smith","startTime":4960.929,"endTime":4965.729,"body":"40s. I like films which are"},{"speaker":"Alan Smith","startTime":4960.929,"endTime":4965.729,"body":"really uplifting, positive and"},{"speaker":"Alan Smith","startTime":4965.729,"endTime":4968.489,"body":"inspirational. And you come away"},{"speaker":"Alan Smith","startTime":4965.729,"endTime":4968.489,"body":"from that almost with a tear in"},{"speaker":"Alan Smith","startTime":4968.489,"endTime":4971.699,"body":"your eye thinking. That's"},{"speaker":"Alan Smith","startTime":4968.489,"endTime":4971.699,"body":"incredible. That is fantastic."},{"speaker":"Alan Smith","startTime":4971.699,"endTime":4974.2789999999995,"body":"And the guy is still he's in his"},{"speaker":"Alan Smith","startTime":4971.699,"endTime":4974.2789999999995,"body":"70s now and he's still going"},{"speaker":"Alan Smith","startTime":4974.2789999999995,"endTime":4976.919,"body":"strong and Oh, another thing is"},{"speaker":"Alan Smith","startTime":4974.2789999999995,"endTime":4976.919,"body":"all the money he made from his"},{"speaker":"Alan Smith","startTime":4976.919,"endTime":4980.249,"body":"famous George Foreman grill has"},{"speaker":"Alan Smith","startTime":4976.919,"endTime":4980.249,"body":"a sort of side quote. So what"},{"speaker":"Carl Widger","startTime":4980.25,"endTime":4982.89,"body":"I was gonna say I"},{"speaker":"Carl Widger","startTime":4980.25,"endTime":4982.89,"body":"hope eventually it's bloody"},{"speaker":"Carl Widger","startTime":4982.89,"endTime":4985.53,"body":"awesome. Yeah, we use a lot of"},{"speaker":"Carl Widger","startTime":4982.89,"endTime":4985.53,"body":"words over Christmas."},{"speaker":"Alan Smith","startTime":4986.55,"endTime":4988.89,"body":"He apparently he"},{"speaker":"Alan Smith","startTime":4986.55,"endTime":4988.89,"body":"made more money from that than"},{"speaker":"Alan Smith","startTime":4988.89,"endTime":4991.98,"body":"he ever made all the millions."},{"speaker":"Alan Smith","startTime":4988.89,"endTime":4991.98,"body":"Yeah. More money. The George"},{"speaker":"Alan Smith","startTime":4991.98,"endTime":4993.48,"body":"Foreman grill. Yeah, the"},{"speaker":"Andy Hart","startTime":4993.48,"endTime":4996.87,"body":"people. The people"},{"speaker":"Andy Hart","startTime":4993.48,"endTime":4996.87,"body":"that made the grill wanted Hulk"},{"speaker":"Andy Hart","startTime":4996.87,"endTime":4999.2699999999995,"body":"Hogan originally, in the left a"},{"speaker":"Andy Hart","startTime":4996.87,"endTime":4999.2699999999995,"body":"message on his aunt's phone, he"},{"speaker":"Andy Hart","startTime":4999.2699999999995,"endTime":5001.64,"body":"never got back to him. So they"},{"speaker":"Andy Hart","startTime":4999.2699999999995,"endTime":5001.64,"body":"called the second person in"},{"speaker":"Andy Hart","startTime":5001.64,"endTime":5005.45,"body":"line. So it should be called the"},{"speaker":"Andy Hart","startTime":5001.64,"endTime":5005.45,"body":"whole COVID role. But how it was"},{"speaker":"Andy Hart","startTime":5005.45,"endTime":5008.39,"body":"too busy though, wherever he was"},{"speaker":"Andy Hart","startTime":5005.45,"endTime":5008.39,"body":"doing. So that's the best phone"},{"speaker":"Andy Hart","startTime":5008.39,"endTime":5011.5999999999995,"body":"call that George the Hawks needs"},{"speaker":"Andy Hart","startTime":5008.39,"endTime":5011.5999999999995,"body":"for George from talking about"},{"speaker":"Andy Hart","startTime":5011.5999999999995,"endTime":5015.98,"body":"sporting excellence. It was"},{"speaker":"Andy Hart","startTime":5011.5999999999995,"endTime":5015.98,"body":"amazing that Luke littler won"},{"speaker":"Andy Hart","startTime":5016.01,"endTime":5021.3499999999995,"body":"the darts championships two"},{"speaker":"Andy Hart","startTime":5016.01,"endTime":5021.3499999999995,"body":"nights ago. Or last night. Hang"},{"speaker":"Andy Hart","startTime":5021.3499999999995,"endTime":5021.44,"body":"on."},{"speaker":"Alan Smith","startTime":5022.55,"endTime":5024.65,"body":"Did he win it? I"},{"speaker":"Alan Smith","startTime":5022.55,"endTime":5024.65,"body":"thought he's got to the final"},{"speaker":"Alan Smith","startTime":5024.74,"endTime":5025.3099999999995,"body":"has it happened?"},{"speaker":"Andy Hart","startTime":5025.34,"endTime":5027.89,"body":"This is this is"},{"speaker":"Andy Hart","startTime":5025.34,"endTime":5027.89,"body":"Thursday. Alan. It's amazing."},{"speaker":"Andy Hart","startTime":5027.92,"endTime":5030.83,"body":"Oh, ice. Last thing."},{"speaker":"Alan Smith","startTime":5031.01,"endTime":5032.39,"body":"What if you're"},{"speaker":"Alan Smith","startTime":5031.01,"endTime":5032.39,"body":"wrong, Andrew make the"},{"speaker":"Alan Smith","startTime":5032.39,"endTime":5035.36,"body":"prediction. Making prediction?"},{"speaker":"Alan Smith","startTime":5032.39,"endTime":5035.36,"body":"Is"},{"speaker":"Andy Hart","startTime":5035.39,"endTime":5038.54,"body":"is an absolute"},{"speaker":"Andy Hart","startTime":5035.39,"endTime":5038.54,"body":"inspiration."},{"speaker":"Nick Lincoln","startTime":5040.0999999999995,"endTime":5042.32,"body":"Right back on"},{"speaker":"Nick Lincoln","startTime":5040.0999999999995,"endTime":5042.32,"body":"planet Earth. Yeah, watch"},{"speaker":"Nick Lincoln","startTime":5042.3499999999995,"endTime":5044.39,"body":"Netflix. Blue sense. Oh, now"},{"speaker":"Nick Lincoln","startTime":5042.3499999999995,"endTime":5044.39,"body":"said what you're gonna say"},{"speaker":"Nick Lincoln","startTime":5044.39,"endTime":5045.11,"body":"sorry, Andy."},{"speaker":"Carl Widger","startTime":5045.7699999999995,"endTime":5048.62,"body":"No, a lot. I need"},{"speaker":"Carl Widger","startTime":5045.7699999999995,"endTime":5048.62,"body":"you to say because I always"},{"speaker":"Carl Widger","startTime":5048.62,"endTime":5054.47,"body":"forget what I put in there. Yes,"},{"speaker":"Carl Widger","startTime":5048.62,"endTime":5054.47,"body":"it does. I can't even remember"},{"speaker":"Carl Widger","startTime":5054.47,"endTime":5058.07,"body":"what it's called. But it's if"},{"speaker":"Carl Widger","startTime":5054.47,"endTime":5058.07,"body":"you just Google the blue zones"},{"speaker":"Carl Widger","startTime":5058.07,"endTime":5063.71,"body":"on Netflix, it's about the day"},{"speaker":"Carl Widger","startTime":5058.07,"endTime":5063.71,"body":"five areas in the world where"},{"speaker":"Carl Widger","startTime":5063.71,"endTime":5068.03,"body":"they have more Centurions than"},{"speaker":"Carl Widger","startTime":5063.71,"endTime":5068.03,"body":"anywhere else. And it's it's"},{"speaker":"Carl Widger","startTime":5068.33,"endTime":5071.45,"body":"perfect viewing for this time of"},{"speaker":"Carl Widger","startTime":5068.33,"endTime":5071.45,"body":"the year when you're all"},{"speaker":"Carl Widger","startTime":5071.45,"endTime":5077.15,"body":"thinking about your new healthy"},{"speaker":"Carl Widger","startTime":5071.45,"endTime":5077.15,"body":"you as I am just about the thing"},{"speaker":"Carl Widger","startTime":5077.15,"endTime":5079.79,"body":"that comes out of this, you"},{"speaker":"Carl Widger","startTime":5077.15,"endTime":5079.79,"body":"know, they talk about diets and"},{"speaker":"Carl Widger","startTime":5079.79,"endTime":5084.32,"body":"blah, blah, blah. They're all"},{"speaker":"Carl Widger","startTime":5079.79,"endTime":5084.32,"body":"pretty small communities. And"},{"speaker":"Carl Widger","startTime":5084.32,"endTime":5087.14,"body":"they all have massive social"},{"speaker":"Carl Widger","startTime":5084.32,"endTime":5087.14,"body":"connection and they're all kind"},{"speaker":"Carl Widger","startTime":5087.14,"endTime":5092.75,"body":"of in it together. So don't be"},{"speaker":"Carl Widger","startTime":5087.14,"endTime":5092.75,"body":"trying to do anything on your"},{"speaker":"Carl Widger","startTime":5092.75,"endTime":5096.11,"body":"own. Go and find your buddies"},{"speaker":"Carl Widger","startTime":5092.75,"endTime":5096.11,"body":"and do stuff with your buddies."},{"speaker":"Carl Widger","startTime":5096.47,"endTime":5100.37,"body":"That seems to keep people alive"},{"speaker":"Carl Widger","startTime":5096.47,"endTime":5100.37,"body":"much longer than anything else."},{"speaker":"Carl Widger","startTime":5100.43,"endTime":5103.73,"body":"And they all have a glass of"},{"speaker":"Carl Widger","startTime":5100.43,"endTime":5103.73,"body":"wine pretty much so that's not"},{"speaker":"Carl Widger","startTime":5103.73,"endTime":5104.96,"body":"urging Yeah, we"},{"speaker":"Alan Smith","startTime":5104.96,"endTime":5109.0999999999995,"body":"should live forever"},{"speaker":"Alan Smith","startTime":5104.96,"endTime":5109.0999999999995,"body":"then for occasional glass of"},{"speaker":"Alan Smith","startTime":5109.0999999999995,"endTime":5109.43,"body":"wine"},{"speaker":"Nick Lincoln","startTime":5112.0999999999995,"endTime":5114.41,"body":"locked down period"},{"speaker":"Nick Lincoln","startTime":5112.0999999999995,"endTime":5114.41,"body":"now since I've just just no"},{"speaker":"Nick Lincoln","startTime":5114.41,"endTime":5116.36,"body":"other life doesn't but that's"},{"speaker":"Nick Lincoln","startTime":5114.41,"endTime":5116.36,"body":"why it's caused so much damage"},{"speaker":"Nick Lincoln","startTime":5116.36,"endTime":5118.82,"body":"because we are social animals"},{"speaker":"Nick Lincoln","startTime":5116.36,"endTime":5118.82,"body":"and it was it was denied us for"},{"speaker":"Nick Lincoln","startTime":5118.8499999999995,"endTime":5121.01,"body":"that period of time. Ultra"},{"speaker":"Unknown","startTime":5121.22,"endTime":5121.7,"body":"true."},{"speaker":"Andy Hart","startTime":5122.96,"endTime":5125.24,"body":"Okay, so this is a"},{"speaker":"Andy Hart","startTime":5122.96,"endTime":5125.24,"body":"podcast recommendation. Listen"},{"speaker":"Andy Hart","startTime":5125.24,"endTime":5130.0999999999995,"body":"on YouTube or your podcast of"},{"speaker":"Andy Hart","startTime":5125.24,"endTime":5130.0999999999995,"body":"choice is Alain de Botton"},{"speaker":"Andy Hart","startTime":5130.0999999999995,"endTime":5134.5999999999995,"body":"bottle, who's the founder of"},{"speaker":"Andy Hart","startTime":5130.0999999999995,"endTime":5134.5999999999995,"body":"school of life. It's on Diary of"},{"speaker":"Andy Hart","startTime":5134.5999999999995,"endTime":5138.59,"body":"a CEO podcast. It's called the"},{"speaker":"Andy Hart","startTime":5134.5999999999995,"endTime":5138.59,"body":"love expert. The real reason we"},{"speaker":"Andy Hart","startTime":5138.59,"endTime":5142.5199999999995,"body":"are lonely, loveless and"},{"speaker":"Andy Hart","startTime":5138.59,"endTime":5142.5199999999995,"body":"depressed and the title doesn't"},{"speaker":"Andy Hart","startTime":5142.5199999999995,"endTime":5149.78,"body":"do it justice. This guy is he's"},{"speaker":"Andy Hart","startTime":5142.5199999999995,"endTime":5149.78,"body":"a philosopher. He's amazing. Do"},{"speaker":"Andy Hart","startTime":5149.78,"endTime":5152.57,"body":"check it out have massive strong"},{"speaker":"Andy Hart","startTime":5149.78,"endTime":5152.57,"body":"recommendation. Certainly if"},{"speaker":"Andy Hart","startTime":5152.57,"endTime":5157.5199999999995,"body":"you're married in a relationship"},{"speaker":"Andy Hart","startTime":5152.57,"endTime":5157.5199999999995,"body":"in that whole space. It's"},{"speaker":"Andy Hart","startTime":5157.79,"endTime":5160.25,"body":"absolutely brilliant. Do do"},{"speaker":"Andy Hart","startTime":5157.79,"endTime":5160.25,"body":"check it out."},{"speaker":"Nick Lincoln","startTime":5162.68,"endTime":5165.83,"body":"Okay, great stuff."},{"speaker":"Nick Lincoln","startTime":5162.68,"endTime":5165.83,"body":"I think I think we've managed to"},{"speaker":"Nick Lincoln","startTime":5165.83,"endTime":5168.08,"body":"make it to the end of another"},{"speaker":"Nick Lincoln","startTime":5165.83,"endTime":5168.08,"body":"episode of trap haven't we?"},{"speaker":"Nick Lincoln","startTime":5168.08,"endTime":5172.01,"body":"We've got at the end of episode"},{"speaker":"Nick Lincoln","startTime":5168.08,"endTime":5172.01,"body":"36 We're at three minutes in"},{"speaker":"Nick Lincoln","startTime":5172.01,"endTime":5175.22,"body":"that's that's more than enough"},{"speaker":"Nick Lincoln","startTime":5172.01,"endTime":5175.22,"body":"value for money for our beloved"},{"speaker":"Nick Lincoln","startTime":5175.22,"endTime":5177.5599999999995,"body":"TRAPPIST audience. Yeah, Let's"},{"speaker":"Nick Lincoln","startTime":5175.22,"endTime":5177.5599999999995,"body":"put a wrap on this. Let's tie a"},{"speaker":"Nick Lincoln","startTime":5177.5599999999995,"endTime":5181.7,"body":"bow on it. We've emptied our"},{"speaker":"Nick Lincoln","startTime":5177.5599999999995,"endTime":5181.7,"body":"vows and another pile of trap"},{"speaker":"Nick Lincoln","startTime":5181.7,"endTime":5185.69,"body":"has slipped down the U bend of"},{"speaker":"Nick Lincoln","startTime":5181.7,"endTime":5185.69,"body":"time. Thank you dear trapeze for"},{"speaker":"Nick Lincoln","startTime":5185.69,"endTime":5188.72,"body":"your precious time. Please do"},{"speaker":"Nick Lincoln","startTime":5185.69,"endTime":5188.72,"body":"leave a review on iTunes six out"},{"speaker":"Nick Lincoln","startTime":5188.72,"endTime":5191.09,"body":"of five stars would be nice."},{"speaker":"Nick Lincoln","startTime":5188.72,"endTime":5191.09,"body":"Remember to subscribe on your"},{"speaker":"Nick Lincoln","startTime":5191.09,"endTime":5193.91,"body":"podcast app of choice that way"},{"speaker":"Nick Lincoln","startTime":5191.09,"endTime":5193.91,"body":"you get a freshly baked episode"},{"speaker":"Nick Lincoln","startTime":5193.91,"endTime":5197.36,"body":"in the early hours of every"},{"speaker":"Nick Lincoln","startTime":5193.91,"endTime":5197.36,"body":"other Thursday morning, like and"},{"speaker":"Nick Lincoln","startTime":5197.36,"endTime":5199.91,"body":"subscribe to our burgeoning"},{"speaker":"Nick Lincoln","startTime":5197.36,"endTime":5199.91,"body":"YouTube channel so you can look"},{"speaker":"Nick Lincoln","startTime":5199.91,"endTime":5204.83,"body":"at our glorious physiologies But"},{"speaker":"Nick Lincoln","startTime":5199.91,"endTime":5204.83,"body":"until then, take care out there."},{"speaker":"Nick Lincoln","startTime":5205.34,"endTime":5207.14,"body":"And we'll see you next time."},{"speaker":"Nick Lincoln","startTime":5205.34,"endTime":5207.14,"body":"Adios."},{"speaker":"Andy Hart","startTime":5207.7699999999995,"endTime":5209.2699999999995,"body":"See you later. Bye."},{"speaker":"Carl Widger","startTime":5210.11,"endTime":5211.01,"body":"I've been here"},{"speaker":"Alan Smith","startTime":5217.67,"endTime":5221.09,"body":"absolute shambles."},{"speaker":"Alan Smith","startTime":5217.67,"endTime":5221.09,"body":"That's a new add to your vows."}]}