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Read out by my good"},{"speaker":"Nick Lincoln","startTime":37.979,"endTime":40.529,"body":"friend the Right Honourable Mr."},{"speaker":"Nick Lincoln","startTime":40.529,"endTime":41.339,"body":"Andrew Hart."},{"speaker":"Andy Hart","startTime":41.88,"endTime":44.46,"body":"Thank you very much"},{"speaker":"Andy Hart","startTime":41.88,"endTime":44.46,"body":"Nick. First is from Chris"},{"speaker":"Andy Hart","startTime":44.46,"endTime":48.81,"body":"Hudson, entitled easy listening"},{"speaker":"Andy Hart","startTime":44.46,"endTime":48.81,"body":"excellent podcast very easy to"},{"speaker":"Andy Hart","startTime":48.81,"endTime":51.51,"body":"listen to my good friend George"},{"speaker":"Andy Hart","startTime":48.81,"endTime":51.51,"body":"recommended to me and I'm"},{"speaker":"Andy Hart","startTime":51.51,"endTime":55.2,"body":"forever grateful shout out to"},{"speaker":"Andy Hart","startTime":51.51,"endTime":55.2,"body":"George great content from four"},{"speaker":"Andy Hart","startTime":55.2,"endTime":59.01,"body":"wise men that anyone new to the"},{"speaker":"Andy Hart","startTime":55.2,"endTime":59.01,"body":"profession should be listening"},{"speaker":"Andy Hart","startTime":59.01,"endTime":64.92,"body":"to it keep them coming slightly"},{"speaker":"Andy Hart","startTime":59.01,"endTime":64.92,"body":"longer view now from W A Josh G"},{"speaker":"Andy Hart","startTime":64.92,"endTime":69.09,"body":"entitled This is a cheat sheet"},{"speaker":"Andy Hart","startTime":64.92,"endTime":69.09,"body":"five stars as an advisor who is"},{"speaker":"Andy Hart","startTime":69.09,"endTime":71.7,"body":"in the process of going it alone"},{"speaker":"Andy Hart","startTime":69.09,"endTime":71.7,"body":"after three years of big"},{"speaker":"Andy Hart","startTime":71.7,"endTime":76.23,"body":"corporate big corporate advice"},{"speaker":"Andy Hart","startTime":71.7,"endTime":76.23,"body":"experience this podcast is gold"},{"speaker":"Andy Hart","startTime":76.23,"endTime":79.68,"body":"dust in a world where financial"},{"speaker":"Andy Hart","startTime":76.23,"endTime":79.68,"body":"advice propositions can seem"},{"speaker":"Andy Hart","startTime":79.68,"endTime":82.53,"body":"overwhelming, and the thought of"},{"speaker":"Andy Hart","startTime":79.68,"endTime":82.53,"body":"going self employed can seem"},{"speaker":"Andy Hart","startTime":82.53,"endTime":85.5,"body":"impossible. 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Keep it simple, stupid"},{"speaker":"Andy Hart","startTime":95.91,"endTime":99.57,"body":"Words To Live By for successful"},{"speaker":"Andy Hart","startTime":99.57,"endTime":103.11,"body":"careers and business models"},{"speaker":"Andy Hart","startTime":99.57,"endTime":103.11,"body":"bottled into our segments This"},{"speaker":"Andy Hart","startTime":103.14,"endTime":107.01,"body":"is a must listen for both new"},{"speaker":"Andy Hart","startTime":103.14,"endTime":107.01,"body":"and old advisors. Back to your"},{"speaker":"Andy Hart","startTime":107.01,"endTime":107.52,"body":"boss"},{"speaker":"Carl Widger","startTime":110.19,"endTime":115.89,"body":"to start January"},{"speaker":"Carl Widger","startTime":110.19,"endTime":115.89,"body":"Thank you high energy"},{"speaker":"Nick Lincoln","startTime":116.37,"endTime":118.53,"body":"thank you speech"},{"speaker":"Andy Hart","startTime":119.07,"endTime":122.94,"body":"if any of you review"},{"speaker":"Andy Hart","startTime":119.07,"endTime":122.94,"body":"segment you you're"},{"speaker":"Alan Smith","startTime":122.94,"endTime":125.94,"body":"the man for the job,"},{"speaker":"Alan Smith","startTime":122.94,"endTime":125.94,"body":"Mr. motivator, Jesus"},{"speaker":"Andy Hart","startTime":125.94,"endTime":127.95,"body":"Christ back to your"},{"speaker":"Andy Hart","startTime":125.94,"endTime":127.95,"body":"boss."},{"speaker":"Alan Smith","startTime":127.98,"endTime":129.12,"body":"Come on, get on with"},{"speaker":"Alan Smith","startTime":127.98,"endTime":129.12,"body":"it."},{"speaker":"Nick Lincoln","startTime":130.53,"endTime":132.57,"body":"We done right"},{"speaker":"Nick Lincoln","startTime":130.53,"endTime":132.57,"body":"thank you for those reviews"},{"speaker":"Nick Lincoln","startTime":132.57,"endTime":135.72,"body":"Trappist. Do appreciate it."},{"speaker":"Nick Lincoln","startTime":132.57,"endTime":135.72,"body":"Don't forget, please our YouTube"},{"speaker":"Nick Lincoln","startTime":135.72,"endTime":138.84,"body":"channel, according to our"},{"speaker":"Nick Lincoln","startTime":135.72,"endTime":138.84,"body":"analytics department, 74% of you"},{"speaker":"Nick Lincoln","startTime":138.84,"endTime":142.26,"body":"watch the YouTube channel but"},{"speaker":"Nick Lincoln","startTime":138.84,"endTime":142.26,"body":"don't subscribe. If you've ever"},{"speaker":"Nick Lincoln","startTime":142.26,"endTime":145.23,"body":"enjoyed our videos, please could"},{"speaker":"Nick Lincoln","startTime":142.26,"endTime":145.23,"body":"you do me a favor? And just"},{"speaker":"Nick Lincoln","startTime":145.23,"endTime":147.42,"body":"click the little Subscribe"},{"speaker":"Nick Lincoln","startTime":145.23,"endTime":147.42,"body":"button. That would be lovely."},{"speaker":"Nick Lincoln","startTime":147.42,"endTime":149.49,"body":"Right. Let's move on to some"},{"speaker":"Nick Lincoln","startTime":147.42,"endTime":149.49,"body":"topical tidbits. And"},{"speaker":"Alan Smith","startTime":150.57,"endTime":157.02,"body":"just before we do,"},{"speaker":"Alan Smith","startTime":150.57,"endTime":157.02,"body":"or let's say in the last few"},{"speaker":"Alan Smith","startTime":157.02,"endTime":159.39,"body":"days, I've had various"},{"speaker":"Alan Smith","startTime":157.02,"endTime":159.39,"body":"conversations that we'll talk"},{"speaker":"Alan Smith","startTime":159.39,"endTime":162.06,"body":"about a little bit more about"},{"speaker":"Alan Smith","startTime":159.39,"endTime":162.06,"body":"this during the show, but with a"},{"speaker":"Alan Smith","startTime":162.81,"endTime":166.47,"body":"number of advisors, young"},{"speaker":"Alan Smith","startTime":162.81,"endTime":166.47,"body":"advisors, good advisors. And I"},{"speaker":"Alan Smith","startTime":166.47,"endTime":168.72,"body":"said to them Do you ever listen"},{"speaker":"Alan Smith","startTime":166.47,"endTime":168.72,"body":"to trap and he said no, I never"},{"speaker":"Alan Smith","startTime":168.72,"endTime":171.45,"body":"heard of it. I caught what"},{"speaker":"Alan Smith","startTime":168.72,"endTime":171.45,"body":"couldn't believe it couldn't"},{"speaker":"Alan Smith","startTime":171.45,"endTime":174.06,"body":"believe that people didn't have"},{"speaker":"Alan Smith","startTime":171.45,"endTime":174.06,"body":"never heard of the real advisor"},{"speaker":"Alan Smith","startTime":174.06,"endTime":177.72,"body":"podcast. 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All right, Carrie, all"},{"speaker":"Nick Lincoln","startTime":192.93,"endTime":195.3,"body":"right, call"},{"speaker":"Nick Lincoln","startTime":192.93,"endTime":195.3,"body":"revenue guidance on salary"},{"speaker":"Nick Lincoln","startTime":195.3,"endTime":196.35,"body":"sacrifice, my friend."},{"speaker":"Carl Widger","startTime":198.39,"endTime":201.45,"body":"Yes, indeed, I"},{"speaker":"Carl Widger","startTime":198.39,"endTime":201.45,"body":"fought awake to start the show"},{"speaker":"Carl Widger","startTime":201.48,"endTime":206.37,"body":"in January on a Monday morning."},{"speaker":"Carl Widger","startTime":201.48,"endTime":206.37,"body":"Although I know Andrew, it goes"},{"speaker":"Carl Widger","startTime":206.37,"endTime":211.11,"body":"out in Thursday, my apologies."},{"speaker":"Carl Widger","startTime":206.37,"endTime":211.11,"body":"Anyway, so last year, there was"},{"speaker":"Carl Widger","startTime":212.16,"endTime":216.63,"body":"there was legislation that"},{"speaker":"Carl Widger","startTime":212.16,"endTime":216.63,"body":"basically allowed people I've"},{"speaker":"Carl Widger","startTime":216.63,"endTime":219.78,"body":"mentioned a few times to put in"},{"speaker":"Carl Widger","startTime":216.63,"endTime":219.78,"body":"whatever they want in Ireland"},{"speaker":"Carl Widger","startTime":219.81,"endTime":224.49,"body":"into PR assays, which is our"},{"speaker":"Carl Widger","startTime":219.81,"endTime":224.49,"body":"pensions, simplification"},{"speaker":"Carl Widger","startTime":224.52,"endTime":230.52,"body":"product. However, there has been"},{"speaker":"Carl Widger","startTime":224.52,"endTime":230.52,"body":"some questions around salary"},{"speaker":"Carl Widger","startTime":230.52,"endTime":235.44,"body":"sacrifice and the revenue have"},{"speaker":"Carl Widger","startTime":230.52,"endTime":235.44,"body":"updated their guidance on that."},{"speaker":"Carl Widger","startTime":235.86,"endTime":239.07,"body":"Just wanted to mention it here"},{"speaker":"Carl Widger","startTime":235.86,"endTime":239.07,"body":"because I think it's vitally"},{"speaker":"Carl Widger","startTime":239.07,"endTime":243.51,"body":"important that as a profession"},{"speaker":"Carl Widger","startTime":239.07,"endTime":243.51,"body":"if we are advising clients that"},{"speaker":"Carl Widger","startTime":243.51,"endTime":246.84,"body":"we know exactly what that"},{"speaker":"Carl Widger","startTime":243.51,"endTime":246.84,"body":"revenue guidance says. So make"},{"speaker":"Carl Widger","startTime":246.84,"endTime":252.0,"body":"sure that you get yourself up to"},{"speaker":"Carl Widger","startTime":246.84,"endTime":252.0,"body":"speed with what the guidance is."},{"speaker":"Carl Widger","startTime":252.06,"endTime":257.16,"body":"And hat tip to Dave Quinn, who"},{"speaker":"Carl Widger","startTime":252.06,"endTime":257.16,"body":"posted the latest revenue"},{"speaker":"Carl Widger","startTime":257.16,"endTime":260.37,"body":"guidance on LinkedIn. That's"},{"speaker":"Carl Widger","startTime":257.16,"endTime":260.37,"body":"what I saw it for. So thanks,"},{"speaker":"Carl Widger","startTime":260.37,"endTime":260.76,"body":"Dave."},{"speaker":"Nick Lincoln","startTime":262.41,"endTime":265.44,"body":"Okay, great stuff."},{"speaker":"Nick Lincoln","startTime":262.41,"endTime":265.44,"body":"Thank you Mighty Quinn, Mr."},{"speaker":"Nick Lincoln","startTime":265.44,"endTime":268.41,"body":"Smith, relentless communications"},{"speaker":"Nick Lincoln","startTime":265.44,"endTime":268.41,"body":"from direct to consumer"},{"speaker":"Nick Lincoln","startTime":268.41,"endTime":269.16,"body":"platforms."},{"speaker":"Alan Smith","startTime":271.62,"endTime":275.67,"body":"I've got a little"},{"speaker":"Alan Smith","startTime":271.62,"endTime":275.67,"body":"bit of money on two different"},{"speaker":"Alan Smith","startTime":276.3,"endTime":279.57,"body":"DTC platforms, bit of legacy"},{"speaker":"Alan Smith","startTime":276.3,"endTime":279.57,"body":"thing one of them I was just"},{"speaker":"Alan Smith","startTime":279.57,"endTime":283.02,"body":"wanting to test out what it was"},{"speaker":"Alan Smith","startTime":279.57,"endTime":283.02,"body":"like to be a customer and have"},{"speaker":"Alan Smith","startTime":283.02,"endTime":287.34,"body":"the experience and I never"},{"speaker":"Alan Smith","startTime":283.02,"endTime":287.34,"body":"really paid attention to this,"},{"speaker":"Alan Smith","startTime":287.34,"endTime":290.31,"body":"but I just I started paying"},{"speaker":"Alan Smith","startTime":287.34,"endTime":290.31,"body":"attention recently because I'm"},{"speaker":"Alan Smith","startTime":290.31,"endTime":293.76,"body":"really trying to be focused and"},{"speaker":"Alan Smith","startTime":290.31,"endTime":293.76,"body":"clean up my email inbox and"},{"speaker":"Alan Smith","startTime":293.76,"endTime":296.19,"body":"things and get rid of stuff they"},{"speaker":"Alan Smith","startTime":293.76,"endTime":296.19,"body":"don't subscribe to and all that"},{"speaker":"Alan Smith","startTime":296.19,"endTime":300.72,"body":"sort of thing. And so I noticed"},{"speaker":"Alan Smith","startTime":296.19,"endTime":300.72,"body":"in the last few weeks So that"},{"speaker":"Alan Smith","startTime":300.75,"endTime":303.18,"body":"with these platforms, which I"},{"speaker":"Alan Smith","startTime":300.75,"endTime":303.18,"body":"won't name because they're all"},{"speaker":"Alan Smith","startTime":303.18,"endTime":308.16,"body":"the same, frankly, the email"},{"speaker":"Alan Smith","startTime":303.18,"endTime":308.16,"body":"communication is freakin"},{"speaker":"Alan Smith","startTime":308.16,"endTime":313.2,"body":"relentless. It's minimum once a"},{"speaker":"Alan Smith","startTime":308.16,"endTime":313.2,"body":"week, often twice a week of hot"},{"speaker":"Alan Smith","startTime":313.2,"endTime":316.74,"body":"new ideas, this fund that fund"},{"speaker":"Alan Smith","startTime":313.2,"endTime":316.74,"body":"our experts prediction for this"},{"speaker":"Alan Smith","startTime":316.77,"endTime":320.22,"body":"and you start to read them. And"},{"speaker":"Alan Smith","startTime":316.77,"endTime":320.22,"body":"they're always quite kind of"},{"speaker":"Alan Smith","startTime":320.22,"endTime":322.65,"body":"interesting, superficially"},{"speaker":"Alan Smith","startTime":320.22,"endTime":322.65,"body":"appealing, there's always a"},{"speaker":"Alan Smith","startTime":322.65,"endTime":325.2,"body":"reason to believe that this"},{"speaker":"Alan Smith","startTime":322.65,"endTime":325.2,"body":"could be a good investment to"},{"speaker":"Alan Smith","startTime":325.2,"endTime":329.85,"body":"make. And I just thought, the"},{"speaker":"Alan Smith","startTime":325.2,"endTime":329.85,"body":"interests of these direct to"},{"speaker":"Alan Smith","startTime":329.85,"endTime":333.93,"body":"consumer platform providers"},{"speaker":"Alan Smith","startTime":329.85,"endTime":333.93,"body":"absolutely not aligned with the"},{"speaker":"Alan Smith","startTime":333.93,"endTime":339.36,"body":"interests of the investor using"},{"speaker":"Alan Smith","startTime":333.93,"endTime":339.36,"body":"them. The more activity you"},{"speaker":"Alan Smith","startTime":339.39,"endTime":342.18,"body":"undertake on a platform, the"},{"speaker":"Alan Smith","startTime":339.39,"endTime":342.18,"body":"better it is for the platform,"},{"speaker":"Alan Smith","startTime":342.18,"endTime":345.45,"body":"they're taking a cut that take"},{"speaker":"Alan Smith","startTime":342.18,"endTime":345.45,"body":"the clipping a ticket, in and"},{"speaker":"Alan Smith","startTime":345.45,"endTime":349.17,"body":"out buying and selling all that."},{"speaker":"Alan Smith","startTime":345.45,"endTime":349.17,"body":"So it is clearly in their"},{"speaker":"Alan Smith","startTime":349.17,"endTime":351.3,"body":"interest. I know they're all"},{"speaker":"Alan Smith","startTime":349.17,"endTime":351.3,"body":"highly regulated, and everything"},{"speaker":"Alan Smith","startTime":351.3,"endTime":354.3,"body":"else not doing anything, which"},{"speaker":"Alan Smith","startTime":351.3,"endTime":354.3,"body":"is illegal. But you couldn't"},{"speaker":"Alan Smith","startTime":354.3,"endTime":358.32,"body":"help but be influenced by"},{"speaker":"Alan Smith","startTime":354.3,"endTime":358.32,"body":"regular, highly attractive"},{"speaker":"Alan Smith","startTime":358.59,"endTime":361.74,"body":"suggestions for where you should"},{"speaker":"Alan Smith","startTime":358.59,"endTime":361.74,"body":"move your money to. And I bet"},{"speaker":"Alan Smith","startTime":361.77,"endTime":364.95,"body":"people are just looking at all"},{"speaker":"Alan Smith","startTime":361.77,"endTime":364.95,"body":"that sounds interesting. Because"},{"speaker":"Alan Smith","startTime":364.95,"endTime":367.74,"body":"you can do it. As we all know,"},{"speaker":"Alan Smith","startTime":364.95,"endTime":367.74,"body":"one of the benefits of the the"},{"speaker":"Alan Smith","startTime":367.74,"endTime":372.75,"body":"evolution of technology in the"},{"speaker":"Alan Smith","startTime":367.74,"endTime":372.75,"body":"last 10 or 20 years has been the"},{"speaker":"Alan Smith","startTime":372.75,"endTime":376.08,"body":"ease of just clicking a button"},{"speaker":"Alan Smith","startTime":372.75,"endTime":376.08,"body":"and moving your funds around."},{"speaker":"Alan Smith","startTime":377.49,"endTime":381.09,"body":"And so yeah, I just I just sort"},{"speaker":"Alan Smith","startTime":377.49,"endTime":381.09,"body":"of flag that up as an issue for"},{"speaker":"Alan Smith","startTime":381.09,"endTime":385.38,"body":"any one of our clients or anyone"},{"speaker":"Alan Smith","startTime":381.09,"endTime":385.38,"body":"else who might see who is who"},{"speaker":"Alan Smith","startTime":385.38,"endTime":388.8,"body":"uses direct to consumer"},{"speaker":"Alan Smith","startTime":385.38,"endTime":388.8,"body":"platforms. Question"},{"speaker":"Carl Widger","startTime":388.8,"endTime":392.55,"body":"on that. Alan, Have"},{"speaker":"Carl Widger","startTime":388.8,"endTime":392.55,"body":"you recently within the last"},{"speaker":"Carl Widger","startTime":392.58,"endTime":396.69,"body":"week, notice that they've told"},{"speaker":"Carl Widger","startTime":392.58,"endTime":396.69,"body":"you that they have Bitcoin ETFs"},{"speaker":"Carl Widger","startTime":396.69,"endTime":402.75,"body":"available? Because I have seen"},{"speaker":"Carl Widger","startTime":396.69,"endTime":402.75,"body":"that. And I suppose what the"},{"speaker":"Carl Widger","startTime":402.75,"endTime":406.8,"body":"consumer, the client needs to"},{"speaker":"Carl Widger","startTime":402.75,"endTime":406.8,"body":"understand is that the"},{"speaker":"Carl Widger","startTime":406.8,"endTime":410.64,"body":"platform's don't give a crap,"},{"speaker":"Carl Widger","startTime":406.8,"endTime":410.64,"body":"what you invest in, they just"},{"speaker":"Carl Widger","startTime":410.64,"endTime":412.41,"body":"want you trading, that's how"},{"speaker":"Carl Widger","startTime":410.64,"endTime":412.41,"body":"they're going to make their"},{"speaker":"Carl Widger","startTime":412.41,"endTime":418.02,"body":"money. So it suits everybody"},{"speaker":"Carl Widger","startTime":412.41,"endTime":418.02,"body":"who's running platforms that are"},{"speaker":"Carl Widger","startTime":418.17,"endTime":422.28,"body":"aimed directly at clients or"},{"speaker":"Carl Widger","startTime":418.17,"endTime":422.28,"body":"consumers to get people moving"},{"speaker":"Carl Widger","startTime":422.31,"endTime":424.95,"body":"and moving their money from"},{"speaker":"Carl Widger","startTime":422.31,"endTime":424.95,"body":"wherever they are now into"},{"speaker":"Carl Widger","startTime":424.95,"endTime":428.64,"body":"Bitcoin, etc. So I have you seen"},{"speaker":"Carl Widger","startTime":424.95,"endTime":428.64,"body":"anything on that? Or is that yet"},{"speaker":"Carl Widger","startTime":428.64,"endTime":429.12,"body":"to come?"},{"speaker":"Alan Smith","startTime":429.27,"endTime":432.27,"body":"I haven't seen it"},{"speaker":"Alan Smith","startTime":429.27,"endTime":432.27,"body":"yet. I'm not sure. If these are"},{"speaker":"Alan Smith","startTime":432.3,"endTime":434.28,"body":"ETS we're going to talk about"},{"speaker":"Alan Smith","startTime":432.3,"endTime":434.28,"body":"that in a minute, aren't we"},{"speaker":"Alan Smith","startTime":434.28,"endTime":434.79,"body":"Nick? But"},{"speaker":"Andy Hart","startTime":434.82,"endTime":437.97,"body":"the Bitcoin has yet"},{"speaker":"Andy Hart","startTime":434.82,"endTime":437.97,"body":"called the Bitcoin ETF has not"},{"speaker":"Andy Hart","startTime":437.97,"endTime":441.69,"body":"been proved in the UK, it's been"},{"speaker":"Andy Hart","startTime":437.97,"endTime":441.69,"body":"proven the US approved in the US"},{"speaker":"Andy Hart","startTime":441.69,"endTime":444.9,"body":"has not yet approved in the UK."},{"speaker":"Andy Hart","startTime":441.69,"endTime":444.9,"body":"Yeah, they are relentless. 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So"},{"speaker":"Andy Hart","startTime":470.34,"endTime":474.15,"body":"yeah, all the platforms are"},{"speaker":"Andy Hart","startTime":470.34,"endTime":474.15,"body":"very, very pro, you know,"},{"speaker":"Andy Hart","startTime":474.21,"endTime":476.46,"body":"information sharing with their"},{"speaker":"Andy Hart","startTime":474.21,"endTime":476.46,"body":"with their clients,"},{"speaker":"Alan Smith","startTime":476.64,"endTime":478.95,"body":"and there's no"},{"speaker":"Alan Smith","startTime":476.64,"endTime":478.95,"body":"accountability. There's no"},{"speaker":"Alan Smith","startTime":478.95,"endTime":482.19,"body":"accountability for it. Because"},{"speaker":"Alan Smith","startTime":478.95,"endTime":482.19,"body":"if they promote something, and"},{"speaker":"Alan Smith","startTime":482.19,"endTime":486.63,"body":"somebody invests in it, and it"},{"speaker":"Alan Smith","startTime":482.19,"endTime":486.63,"body":"falls 50% There's no recourse."},{"speaker":"Alan Smith","startTime":486.66,"endTime":488.91,"body":"They just provided you with"},{"speaker":"Alan Smith","startTime":486.66,"endTime":488.91,"body":"information. We do not give you"},{"speaker":"Alan Smith","startTime":488.91,"endTime":491.31,"body":"advice. There's no answer"},{"speaker":"Alan Smith","startTime":488.91,"endTime":491.31,"body":"because no ombudsman services,"},{"speaker":"Alan Smith","startTime":491.31,"endTime":491.97,"body":"no, nothing."},{"speaker":"Andy Hart","startTime":492.39,"endTime":494.88,"body":"We'll look at the"},{"speaker":"Andy Hart","startTime":492.39,"endTime":494.88,"body":"Woodford wood wood wood for the"},{"speaker":"Andy Hart","startTime":494.88,"endTime":498.12,"body":"funds that he got caught up in"},{"speaker":"Andy Hart","startTime":494.88,"endTime":498.12,"body":"them. Yeah, there's minimal"},{"speaker":"Andy Hart","startTime":498.12,"endTime":500.43,"body":"recourse. It's yeah, it's by"},{"speaker":"Andy Hart","startTime":498.12,"endTime":500.43,"body":"Buyer beware. That's the whole"},{"speaker":"Andy Hart","startTime":500.43,"endTime":502.62,"body":"thing with the dry platform,"},{"speaker":"Andy Hart","startTime":500.43,"endTime":502.62,"body":"which is obviously different to"},{"speaker":"Andy Hart","startTime":502.68,"endTime":506.04,"body":"an advice client. So yeah, the"},{"speaker":"Andy Hart","startTime":502.68,"endTime":506.04,"body":"message and the story is the"},{"speaker":"Andy Hart","startTime":506.04,"endTime":509.16,"body":"opposite of what we preach. But"},{"speaker":"Andy Hart","startTime":506.04,"endTime":509.16,"body":"again, that's why we're, you"},{"speaker":"Andy Hart","startTime":509.16,"endTime":511.29,"body":"know, when needed and required."},{"speaker":"Nick Lincoln","startTime":514.559,"endTime":517.919,"body":"Right, and a year"},{"speaker":"Nick Lincoln","startTime":514.559,"endTime":517.919,"body":"in returns."},{"speaker":"Andy Hart","startTime":523.59,"endTime":525.21,"body":"Back to me, okay,"},{"speaker":"Andy Hart","startTime":523.59,"endTime":525.21,"body":"there's a link in the show"},{"speaker":"Andy Hart","startTime":525.21,"endTime":529.92,"body":"notes. A couple of points on"},{"speaker":"Andy Hart","startTime":525.21,"endTime":529.92,"body":"this. This is from a blog, I"},{"speaker":"Andy Hart","startTime":529.92,"endTime":534.78,"body":"suppose, run by a guy I know"},{"speaker":"Andy Hart","startTime":529.92,"endTime":534.78,"body":"called novel investor is the"},{"speaker":"Andy Hart","startTime":534.78,"endTime":537.42,"body":"2023. If you're gonna look at"},{"speaker":"Andy Hart","startTime":534.78,"endTime":537.42,"body":"anything in relation to this"},{"speaker":"Andy Hart","startTime":537.42,"endTime":541.29,"body":"space, in terms of all the data,"},{"speaker":"Andy Hart","startTime":537.42,"endTime":541.29,"body":"it's like data overload. The top"},{"speaker":"Andy Hart","startTime":541.29,"endTime":544.68,"body":"performing sector last year is"},{"speaker":"Andy Hart","startTime":541.29,"endTime":544.68,"body":"information technology in the US"},{"speaker":"Andy Hart","startTime":544.71,"endTime":548.46,"body":"in terms of developed markets,"},{"speaker":"Andy Hart","startTime":544.71,"endTime":548.46,"body":"in order of top performing, it"},{"speaker":"Andy Hart","startTime":548.46,"endTime":552.9,"body":"was Italy, Spain, Denmark and"},{"speaker":"Andy Hart","startTime":548.46,"endTime":552.9,"body":"the USA. In terms of emerging"},{"speaker":"Andy Hart","startTime":552.9,"endTime":556.83,"body":"markets, it was Hungary, Greece,"},{"speaker":"Andy Hart","startTime":552.9,"endTime":556.83,"body":"Poland, Egypt, Mexico. So"},{"speaker":"Andy Hart","startTime":556.83,"endTime":558.54,"body":"there's a link in the show notes"},{"speaker":"Andy Hart","startTime":556.83,"endTime":558.54,"body":"if you're interested in this"},{"speaker":"Andy Hart","startTime":558.54,"endTime":562.77,"body":"sort of stuff, just a glance"},{"speaker":"Andy Hart","startTime":558.54,"endTime":562.77,"body":"your eye across it. Some what"},{"speaker":"Andy Hart","startTime":562.8,"endTime":565.71,"body":"useful information. I like"},{"speaker":"Andy Hart","startTime":562.8,"endTime":565.71,"body":"having a bit of a scroll on this"},{"speaker":"Andy Hart","startTime":565.71,"endTime":568.2,"body":"sort of stuff. Every so often,"},{"speaker":"Andy Hart","startTime":565.71,"endTime":568.2,"body":"again, clients may or may not"},{"speaker":"Andy Hart","startTime":568.2,"endTime":571.59,"body":"come across it, but every year"},{"speaker":"Andy Hart","startTime":568.2,"endTime":571.59,"body":"there's different people in the"},{"speaker":"Andy Hart","startTime":571.59,"endTime":575.88,"body":"top three people in the top"},{"speaker":"Andy Hart","startTime":571.59,"endTime":575.88,"body":"five. But yeah, so that's a"},{"speaker":"Andy Hart","startTime":575.91,"endTime":577.14,"body":"that's enough on that."},{"speaker":"Nick Lincoln","startTime":579.42,"endTime":581.76,"body":"Okay, well, coming"},{"speaker":"Nick Lincoln","startTime":579.42,"endTime":581.76,"body":"back to Alan's initial point"},{"speaker":"Nick Lincoln","startTime":581.76,"endTime":585.72,"body":"about direct to consumer"},{"speaker":"Nick Lincoln","startTime":581.76,"endTime":585.72,"body":"platforms and communications, I"},{"speaker":"Nick Lincoln","startTime":585.72,"endTime":588.3,"body":"do have a little bit of a tiny"},{"speaker":"Nick Lincoln","startTime":585.72,"endTime":588.3,"body":"amount of money on Vanguard just"},{"speaker":"Nick Lincoln","startTime":588.3,"endTime":590.07,"body":"to see how they operate and"},{"speaker":"Nick Lincoln","startTime":588.3,"endTime":590.07,"body":"they're actually quite light in"},{"speaker":"Nick Lincoln","startTime":590.07,"endTime":594.42,"body":"there, in what they push out to"},{"speaker":"Nick Lincoln","startTime":590.07,"endTime":594.42,"body":"me. They do the odd economic"},{"speaker":"Nick Lincoln","startTime":594.42,"endTime":596.13,"body":"forecasts and that kind of"},{"speaker":"Nick Lincoln","startTime":594.42,"endTime":596.13,"body":"stuff, but they're generally"},{"speaker":"Nick Lincoln","startTime":596.13,"endTime":599.82,"body":"pretty good. And they won't be"},{"speaker":"Nick Lincoln","startTime":596.13,"endTime":599.82,"body":"one of the platforms that are"},{"speaker":"Nick Lincoln","startTime":599.82,"endTime":603.9,"body":"gonna And now spam me with"},{"speaker":"Nick Lincoln","startTime":599.82,"endTime":603.9,"body":"Bitcoin offerings Bitcoin ETF"},{"speaker":"Nick Lincoln","startTime":603.9,"endTime":606.69,"body":"offerings because they're not"},{"speaker":"Nick Lincoln","startTime":603.9,"endTime":606.69,"body":"entering the Bitcoin ETF market"},{"speaker":"Nick Lincoln","startTime":606.72,"endTime":609.87,"body":"that's obviously the current hot"},{"speaker":"Nick Lincoln","startTime":606.72,"endTime":609.87,"body":"news in the cryptocurrency world"},{"speaker":"Nick Lincoln","startTime":609.87,"endTime":612.06,"body":"at the moment the fact that"},{"speaker":"Nick Lincoln","startTime":609.87,"endTime":612.06,"body":"Black Rock I have have launched"},{"speaker":"Nick Lincoln","startTime":612.06,"endTime":615.33,"body":"one Vanguard are quite adamant"},{"speaker":"Nick Lincoln","startTime":612.06,"endTime":615.33,"body":"they're not going to do it and I"},{"speaker":"Nick Lincoln","startTime":615.33,"endTime":618.36,"body":"think that's a good thing in"},{"speaker":"Nick Lincoln","startTime":615.33,"endTime":618.36,"body":"their press release they"},{"speaker":"Nick Lincoln","startTime":648.43,"endTime":651.16,"body":"Vanguards say categorically"},{"speaker":"Nick Lincoln","startTime":648.43,"endTime":651.16,"body":"Bitcoin we don't view Bitcoin as"},{"speaker":"Nick Lincoln","startTime":651.16,"endTime":654.55,"body":"an asset class. There are three"},{"speaker":"Nick Lincoln","startTime":651.16,"endTime":654.55,"body":"asset classes and Bitcoin ain't"},{"speaker":"Nick Lincoln","startTime":654.55,"endTime":657.52,"body":"one of them. And I totally"},{"speaker":"Nick Lincoln","startTime":654.55,"endTime":657.52,"body":"concur with that. And I'm coming"},{"speaker":"Nick Lincoln","startTime":657.52,"endTime":660.0999999999999,"body":"around to the view that whatever"},{"speaker":"Nick Lincoln","startTime":657.52,"endTime":660.0999999999999,"body":"Kathy would have Ark says you do"},{"speaker":"Nick Lincoln","startTime":660.0999999999999,"endTime":663.0999999999999,"body":"the opposite and you're probably"},{"speaker":"Nick Lincoln","startTime":660.0999999999999,"endTime":663.0999999999999,"body":"in a good place and Kathy Ward"},{"speaker":"Nick Lincoln","startTime":663.0999999999999,"endTime":667.5999999999999,"body":"is livid with Vanguard for not"},{"speaker":"Nick Lincoln","startTime":663.0999999999999,"endTime":667.5999999999999,"body":"offering a Bitcoin ETF and"},{"speaker":"Nick Lincoln","startTime":667.5999999999999,"endTime":672.8499999999999,"body":"there's a link to a link to the"},{"speaker":"Nick Lincoln","startTime":667.5999999999999,"endTime":672.8499999999999,"body":"Bitcoin trade rag, which talks"},{"speaker":"Nick Lincoln","startTime":672.8499999999999,"endTime":675.55,"body":"about this. It's quite a big"},{"speaker":"Nick Lincoln","startTime":672.8499999999999,"endTime":675.55,"body":"stance from Vanguard, and I"},{"speaker":"Nick Lincoln","startTime":675.55,"endTime":678.88,"body":"think Alan you you've over the"},{"speaker":"Nick Lincoln","startTime":675.55,"endTime":678.88,"body":"weekend they've been significant"},{"speaker":"Nick Lincoln","startTime":678.88,"endTime":682.54,"body":"outflows from the Vanguard"},{"speaker":"Nick Lincoln","startTime":678.88,"endTime":682.54,"body":"stable of funds as as the hot"},{"speaker":"Nick Lincoln","startTime":682.54,"endTime":685.6899999999999,"body":"investors seek some sort of"},{"speaker":"Nick Lincoln","startTime":682.54,"endTime":685.6899999999999,"body":"crypto exposure by ETF got held"},{"speaker":"Alan Smith","startTime":688.15,"endTime":691.7199999999999,"body":"Yeah, that's right."},{"speaker":"Alan Smith","startTime":688.15,"endTime":691.7199999999999,"body":"There's the thing about Bitcoin"},{"speaker":"Alan Smith","startTime":691.7199999999999,"endTime":695.62,"body":"in particular, if you ever look"},{"speaker":"Alan Smith","startTime":691.7199999999999,"endTime":695.62,"body":"online, they are they're just"},{"speaker":"Alan Smith","startTime":695.62,"endTime":699.4,"body":"what they call maximalists so"},{"speaker":"Alan Smith","startTime":695.62,"endTime":699.4,"body":"it's kind of like Bitcoin they"},{"speaker":"Alan Smith","startTime":699.4,"endTime":704.14,"body":"are absolutely relentless about"},{"speaker":"Alan Smith","startTime":699.4,"endTime":704.14,"body":"Bitcoin and nothing can stand in"},{"speaker":"Alan Smith","startTime":704.14,"endTime":707.53,"body":"their way and so there's there"},{"speaker":"Alan Smith","startTime":704.14,"endTime":707.53,"body":"was a bit of a sort of trending"},{"speaker":"Alan Smith","startTime":707.53,"endTime":710.92,"body":"on X over the weekend that"},{"speaker":"Alan Smith","startTime":707.53,"endTime":710.92,"body":"there's they're all kind of"},{"speaker":"Alan Smith","startTime":710.92,"endTime":713.77,"body":"rally it was quite pathetic,"},{"speaker":"Alan Smith","startTime":710.92,"endTime":713.77,"body":"really kind of there's war what"},{"speaker":"Alan Smith","startTime":713.77,"endTime":716.86,"body":"are the I don't know how many"},{"speaker":"Alan Smith","startTime":713.77,"endTime":716.86,"body":"trillion Vanguard are assets"},{"speaker":"Alan Smith","startTime":716.89,"endTime":719.77,"body":"under management, but that was"},{"speaker":"Alan Smith","startTime":716.89,"endTime":719.77,"body":"sort of trying to get a whole"},{"speaker":"Alan Smith","startTime":719.77,"endTime":722.41,"body":"movement going to let's close"},{"speaker":"Alan Smith","startTime":719.77,"endTime":722.41,"body":"them down. They won't allow us"},{"speaker":"Alan Smith","startTime":722.41,"endTime":725.9499999999999,"body":"to trade Bitcoin, I'm moving my"},{"speaker":"Alan Smith","startTime":722.41,"endTime":725.9499999999999,"body":"money off the platform. I'm"},{"speaker":"Alan Smith","startTime":725.9499999999999,"endTime":728.53,"body":"moving my $8,000 off the"},{"speaker":"Alan Smith","startTime":725.9499999999999,"endTime":728.53,"body":"platform, we're going to bring"},{"speaker":"Alan Smith","startTime":728.53,"endTime":734.14,"body":"them to their knees. So yeah,"},{"speaker":"Alan Smith","startTime":728.53,"endTime":734.14,"body":"it's it's, it's an emotive"},{"speaker":"Alan Smith","startTime":734.41,"endTime":737.5,"body":"subject. It is and as you know,"},{"speaker":"Alan Smith","startTime":734.41,"endTime":737.5,"body":"Nick, you're going to mention it"},{"speaker":"Alan Smith","startTime":737.5,"endTime":743.0799999999999,"body":"I've done a in my award winning"},{"speaker":"Alan Smith","startTime":737.5,"endTime":743.0799999999999,"body":"podcast. I did an interview last"},{"speaker":"Alan Smith","startTime":743.0799999999999,"endTime":746.65,"body":"week. Normally it's not my soon"},{"speaker":"Alan Smith","startTime":743.0799999999999,"endTime":746.65,"body":"to be award winning track"},{"speaker":"Alan Smith","startTime":746.65,"endTime":747.37,"body":"podcast"},{"speaker":"Nick Lincoln","startTime":749.3199999999999,"endTime":750.79,"body":"it's very good."},{"speaker":"Nick Lincoln","startTime":749.3199999999999,"endTime":750.79,"body":"Yes. The Bulletproof"},{"speaker":"Nick Lincoln","startTime":750.79,"endTime":753.0699999999999,"body":"entrepreneur or any trap is"},{"speaker":"Nick Lincoln","startTime":750.79,"endTime":753.0699999999999,"body":"seven o'clock on to that yet"},{"speaker":"Nick Lincoln","startTime":753.0699999999999,"endTime":757.42,"body":"listen to it with with with Ray"},{"speaker":"Nick Lincoln","startTime":753.0699999999999,"endTime":757.42,"body":"Ray Trapani, who has been"},{"speaker":"Nick Lincoln","startTime":757.63,"endTime":759.76,"body":"there's been a documentary on"},{"speaker":"Nick Lincoln","startTime":757.63,"endTime":759.76,"body":"Netflix is current at the moment"},{"speaker":"Nick Lincoln","startTime":759.76,"endTime":762.8199999999999,"body":"isn't it's quite happy the next"},{"speaker":"Nick Lincoln","startTime":759.76,"endTime":762.8199999999999,"body":"on the Netflix charts about this"},{"speaker":"Nick Lincoln","startTime":762.8499999999999,"endTime":767.7099999999999,"body":"this this particular Bitcoin"},{"speaker":"Nick Lincoln","startTime":762.8499999999999,"endTime":767.7099999999999,"body":"scam and yeah, really, really,"},{"speaker":"Nick Lincoln","startTime":767.7099999999999,"endTime":769.93,"body":"really good. I believe you might"},{"speaker":"Nick Lincoln","startTime":767.7099999999999,"endTime":769.93,"body":"have a you've got a story to"},{"speaker":"Nick Lincoln","startTime":769.93,"endTime":771.8499999999999,"body":"tell us about this. Mr. Smith."},{"speaker":"Alan Smith","startTime":772.03,"endTime":774.13,"body":"I've got a story to"},{"speaker":"Alan Smith","startTime":772.03,"endTime":774.13,"body":"tell about the"},{"speaker":"Unknown","startTime":777.67,"endTime":783.13,"body":"grab yourself a drink a"},{"speaker":"Unknown","startTime":777.67,"endTime":783.13,"body":"very long drink. It's story time"},{"speaker":"Unknown","startTime":783.4,"endTime":784.87,"body":"with Alan Smith."},{"speaker":"Alan Smith","startTime":787.8399999999999,"endTime":790.6899999999999,"body":"Thanks. Yeah, so I"},{"speaker":"Alan Smith","startTime":787.8399999999999,"endTime":790.6899999999999,"body":"just wanted to share it's quite"},{"speaker":"Alan Smith","startTime":790.6899999999999,"endTime":794.02,"body":"a sort of bizarre funny story"},{"speaker":"Alan Smith","startTime":790.6899999999999,"endTime":794.02,"body":"how this came about. So last"},{"speaker":"Alan Smith","startTime":794.0799999999999,"endTime":798.25,"body":"Friday, I'm at home watch the"},{"speaker":"Alan Smith","startTime":794.0799999999999,"endTime":798.25,"body":"watch the films called Bitcoin"},{"speaker":"Alan Smith","startTime":798.25,"endTime":801.64,"body":"it's not actually about Bitcoin,"},{"speaker":"Alan Smith","startTime":798.25,"endTime":801.64,"body":"but it's about a whole crypto"},{"speaker":"Alan Smith","startTime":802.0,"endTime":805.87,"body":"market and one currency one"},{"speaker":"Alan Smith","startTime":802.0,"endTime":805.87,"body":"token, as they're called, in"},{"speaker":"Alan Smith","startTime":805.87,"endTime":809.29,"body":"particular that these guys,"},{"speaker":"Alan Smith","startTime":805.87,"endTime":809.29,"body":"these kind of hustlers from New"},{"speaker":"Alan Smith","startTime":809.29,"endTime":814.27,"body":"York, created called Sentra"},{"speaker":"Alan Smith","startTime":809.29,"endTime":814.27,"body":"Central Tech. Anyway, I watched"},{"speaker":"Alan Smith","startTime":814.27,"endTime":818.02,"body":"it. And as I I've done this in"},{"speaker":"Alan Smith","startTime":814.27,"endTime":818.02,"body":"the past, as well as I think"},{"speaker":"Alan Smith","startTime":818.5899999999999,"endTime":821.89,"body":"that that guy would be really"},{"speaker":"Alan Smith","startTime":818.5899999999999,"endTime":821.89,"body":"interesting to get on my"},{"speaker":"Alan Smith","startTime":821.89,"endTime":824.17,"body":"podcast, which is all about"},{"speaker":"Alan Smith","startTime":821.89,"endTime":824.17,"body":"things that this and sort of"},{"speaker":"Alan Smith","startTime":824.8,"endTime":828.0999999999999,"body":"entrepreneurial endeavors. All"},{"speaker":"Alan Smith","startTime":824.8,"endTime":828.0999999999999,"body":"the others have been legal. This"},{"speaker":"Alan Smith","startTime":828.0999999999999,"endTime":830.3199999999999,"body":"one obviously is a criminal"},{"speaker":"Alan Smith","startTime":828.0999999999999,"endTime":830.3199999999999,"body":"endeavor, which we're not"},{"speaker":"Alan Smith","startTime":830.3199999999999,"endTime":833.5,"body":"endorsing. But anyway, I"},{"speaker":"Alan Smith","startTime":830.3199999999999,"endTime":833.5,"body":"thought, well, if I can get in"},{"speaker":"Alan Smith","startTime":833.5,"endTime":836.56,"body":"touch with him, so you just go"},{"speaker":"Alan Smith","startTime":833.5,"endTime":836.56,"body":"online, find him, connect with"},{"speaker":"Alan Smith","startTime":836.56,"endTime":840.79,"body":"him, send them a message. On"},{"speaker":"Alan Smith","startTime":836.56,"endTime":840.79,"body":"that night, went to bed woke up"},{"speaker":"Alan Smith","startTime":840.79,"endTime":843.25,"body":"the next morning, he's replied"},{"speaker":"Alan Smith","startTime":840.79,"endTime":843.25,"body":"says yeah, I'm up for it. Let's"},{"speaker":"Alan Smith","startTime":843.25,"endTime":847.7199999999999,"body":"do it. So I go, Alright, great."},{"speaker":"Alan Smith","startTime":843.25,"endTime":847.7199999999999,"body":"Let's, let's record a podcast"},{"speaker":"Alan Smith","startTime":847.7199999999999,"endTime":849.79,"body":"with him. We could put it out"},{"speaker":"Alan Smith","startTime":847.7199999999999,"endTime":849.79,"body":"next week. And kind of we can"},{"speaker":"Alan Smith","startTime":849.79,"endTime":855.2199999999999,"body":"surf the wave of the fact that"},{"speaker":"Alan Smith","startTime":849.79,"endTime":855.2199999999999,"body":"it was kind of top 10 film on"},{"speaker":"Alan Smith","startTime":855.2199999999999,"endTime":858.49,"body":"Netflix over that period of"},{"speaker":"Alan Smith","startTime":855.2199999999999,"endTime":858.49,"body":"time. Anyway, he said, Would it"},{"speaker":"be okay to do it? It's 9","startTime":858.49,"endTime":864.4599999999999,"body":"30pm."},{"speaker":"be okay to do it? It's 9","startTime":858.49,"endTime":864.4599999999999,"body":"And I think, yeah, I suppose so."},{"speaker":"be okay to do it? It's 9","startTime":864.4599999999999,"endTime":867.76,"body":"I want to just turn this around"},{"speaker":"be okay to do it? It's 9","startTime":864.4599999999999,"endTime":867.76,"body":"quite quickly. I need to Yeah, I"},{"speaker":"be okay to do it? It's 9","startTime":867.76,"endTime":870.79,"body":"need to be a bit flexible. So I"},{"speaker":"be okay to do it? It's 9","startTime":867.76,"endTime":870.79,"body":"reply to them go. Yeah, yeah, no"},{"speaker":"be okay to do it? It's 9","startTime":870.79,"endTime":875.02,"body":"problem at all. That works."},{"speaker":"be okay to do it? It's 9","startTime":870.79,"endTime":875.02,"body":"Let's do it on the Monday, let's"},{"speaker":"be okay to do it? It's 9","startTime":875.02,"endTime":879.28,"body":"crack on. I enlisted my trusty"},{"speaker":"be okay to do it? It's 9","startTime":875.02,"endTime":879.28,"body":"sidekick George, who's my"},{"speaker":"be okay to do it? It's 9","startTime":879.28,"endTime":882.13,"body":"producer on the podcast that"},{"speaker":"be okay to do it? It's 9","startTime":879.28,"endTime":882.13,"body":"kind of holds my hand"},{"speaker":"be okay to do it? It's 9","startTime":882.13,"endTime":884.62,"body":"throughout, it makes sure that"},{"speaker":"be okay to do it? It's 9","startTime":882.13,"endTime":884.62,"body":"I'm doing the technical bits,"},{"speaker":"be okay to do it? It's 9","startTime":884.62,"endTime":889.24,"body":"okay. And it's all set to go."},{"speaker":"be okay to do it? It's 9","startTime":884.62,"endTime":889.24,"body":"And all of a sudden, I just"},{"speaker":"realized that that's 9","startTime":889.24,"endTime":900.67,"body":"30pm New"},{"speaker":"realized that that's 9","startTime":889.24,"endTime":900.67,"body":"York time. Which is 2:30am. It's"},{"speaker":"realized that that's 9","startTime":900.67,"endTime":904.2099999999999,"body":"half, two in the morning. And I"},{"speaker":"realized that that's 9","startTime":900.67,"endTime":904.2099999999999,"body":"think oh my god, how am I"},{"speaker":"realized that that's 9","startTime":904.2099999999999,"endTime":909.4599999999999,"body":"supposed to do this? Oh, I'm"},{"speaker":"realized that that's 9","startTime":904.2099999999999,"endTime":909.4599999999999,"body":"gonna take you have to"},{"speaker":"realized that that's 9","startTime":909.4599999999999,"endTime":915.3399999999999,"body":"reschedule. I'm gonna. And I say"},{"speaker":"realized that that's 9","startTime":909.4599999999999,"endTime":915.3399999999999,"body":"that again. George bless him. He"},{"speaker":"realized that that's 9","startTime":915.3399999999999,"endTime":917.98,"body":"says Now let's just do it. Just"},{"speaker":"realized that that's 9","startTime":915.3399999999999,"endTime":917.98,"body":"crack on with it. You know, this"},{"speaker":"realized that that's 9","startTime":917.98,"endTime":921.73,"body":"is just got to, you know, go"},{"speaker":"realized that that's 9","startTime":917.98,"endTime":921.73,"body":"with the flow. Just, I had a bit"},{"speaker":"realized that that's 9","startTime":921.73,"endTime":924.9699999999999,"body":"of email exchange with Rachel"},{"speaker":"realized that that's 9","startTime":921.73,"endTime":924.9699999999999,"body":"Barney. And I told them this is"},{"speaker":"realized that that's 9","startTime":924.9699999999999,"endTime":928.6899999999999,"body":"going to be 230 in the morning."},{"speaker":"realized that that's 9","startTime":924.9699999999999,"endTime":928.6899999999999,"body":"And the reason that he had to do"},{"speaker":"realized that that's 9","startTime":928.6899999999999,"endTime":931.78,"body":"it at that time 930 because he"},{"speaker":"realized that that's 9","startTime":928.6899999999999,"endTime":931.78,"body":"does it from home, he's got two"},{"speaker":"realized that that's 9","startTime":931.78,"endTime":934.66,"body":"little kids. He said that I"},{"speaker":"realized that that's 9","startTime":931.78,"endTime":934.66,"body":"can't guarantee that it wouldn't"},{"speaker":"realized that that's 9","startTime":934.66,"endTime":938.05,"body":"be soundproof. So is that"},{"speaker":"realized that that's 9","startTime":934.66,"endTime":938.05,"body":"proper, but domestic reality of"},{"speaker":"realized that that's 9","startTime":938.05,"endTime":940.7199999999999,"body":"him trying to you said, I"},{"speaker":"realized that that's 9","startTime":938.05,"endTime":940.7199999999999,"body":"couldn't do really any earlier."},{"speaker":"realized that that's 9","startTime":940.75,"endTime":943.18,"body":"So I could change the day, but"},{"speaker":"realized that that's 9","startTime":940.75,"endTime":943.18,"body":"the time would have to be about"},{"speaker":"9","startTime":943.18,"endTime":947.05,"body":"30pm If you want to do it, and"},{"speaker":"9","startTime":943.18,"endTime":947.05,"body":"I think, oh my god, what am I"},{"speaker":"9","startTime":947.05,"endTime":951.3399999999999,"body":"supposed to do? So I thought,"},{"speaker":"9","startTime":947.05,"endTime":951.3399999999999,"body":"all right, let's crack on. I"},{"speaker":"9","startTime":951.3399999999999,"endTime":953.86,"body":"drove into my office, which is"},{"speaker":"9","startTime":951.3399999999999,"endTime":953.86,"body":"what I don't normally do. And I"},{"speaker":"9","startTime":953.86,"endTime":955.51,"body":"brought a sleeping bag with"},{"speaker":"9","startTime":960.91,"endTime":964.63,"body":"a little mats or pillow, a"},{"speaker":"9","startTime":960.91,"endTime":964.63,"body":"sleeping bag, some provisions."},{"speaker":"9","startTime":966.04,"endTime":968.92,"body":"Why did you do that? I didn't"},{"speaker":"9","startTime":966.04,"endTime":968.92,"body":"know what I was supposed to do."},{"speaker":"9","startTime":968.92,"endTime":971.9499999999999,"body":"I thought it'd be to throw into"},{"speaker":"9","startTime":968.92,"endTime":971.9499999999999,"body":"this the worst time if it was"},{"speaker":"9","startTime":971.9499999999999,"endTime":974.17,"body":"like 430 in the morning be"},{"speaker":"9","startTime":971.9499999999999,"endTime":974.17,"body":"alright, just get up really"},{"speaker":"9","startTime":974.17,"endTime":977.8,"body":"early, or or midnight, it would"},{"speaker":"9","startTime":974.17,"endTime":977.8,"body":"just stay up a bit. But 230 is"},{"speaker":"9","startTime":977.8,"endTime":981.25,"body":"like the worst time to do"},{"speaker":"9","startTime":977.8,"endTime":981.25,"body":"anything. And I thought, you"},{"speaker":"9","startTime":981.25,"endTime":982.03,"body":"know why"},{"speaker":"Carl Widger","startTime":982.03,"endTime":984.0999999999999,"body":"it is you need a"},{"speaker":"Carl Widger","startTime":982.03,"endTime":984.0999999999999,"body":"sleeping bag for us to have a"},{"speaker":"Carl Widger","startTime":984.0999999999999,"endTime":985.06,"body":"little bit of a rest"},{"speaker":"Alan Smith","startTime":985.06,"endTime":987.67,"body":"before. At about"},{"speaker":"Alan Smith","startTime":985.06,"endTime":987.67,"body":"maybe 10 o'clock I can sort of"},{"speaker":"Alan Smith","startTime":987.67,"endTime":991.87,"body":"put my head down grab an hour to"},{"speaker":"Alan Smith","startTime":987.67,"endTime":991.87,"body":"shuteye That was my plan. Did"},{"speaker":"Alan Smith","startTime":991.87,"endTime":995.4699999999999,"body":"about midnight I laid down on"},{"speaker":"Alan Smith","startTime":991.87,"endTime":995.4699999999999,"body":"the floor. I've got a little"},{"speaker":"Alan Smith","startTime":995.4699999999999,"endTime":998.23,"body":"lounge area in the office and"},{"speaker":"Alan Smith","startTime":995.4699999999999,"endTime":998.23,"body":"laid down on the floor didn't"},{"speaker":"Alan Smith","startTime":998.23,"endTime":1000.5999999999999,"body":"sleep at all, but you know, eyes"},{"speaker":"Alan Smith","startTime":998.23,"endTime":1000.5999999999999,"body":"wide open staring at the"},{"speaker":"Alan Smith","startTime":1000.5999999999999,"endTime":1004.8299999999999,"body":"ceiling. So we cracked on did"},{"speaker":"Alan Smith","startTime":1000.5999999999999,"endTime":1004.8299999999999,"body":"and it's funny because if you"},{"speaker":"Alan Smith","startTime":1004.8299999999999,"endTime":1007.3499999999999,"body":"look at the because this is we"},{"speaker":"Alan Smith","startTime":1004.8299999999999,"endTime":1007.3499999999999,"body":"actually launched in YouTube as"},{"speaker":"Alan Smith","startTime":1007.3499999999999,"endTime":1009.99,"body":"well, which is the first one"},{"speaker":"Alan Smith","startTime":1007.3499999999999,"endTime":1009.99,"body":"we've done. And I think it is it"},{"speaker":"Alan Smith","startTime":1009.99,"endTime":1012.06,"body":"very obvious that I'm cutting"},{"speaker":"Alan Smith","startTime":1009.99,"endTime":1012.06,"body":"this two or three in the"},{"speaker":"Alan Smith","startTime":1012.06,"endTime":1014.9699999999999,"body":"morning. And it's somehow not"},{"speaker":"Alan Smith","startTime":1012.06,"endTime":1014.9699999999999,"body":"you can have you get a bit of an"},{"speaker":"Alan Smith","startTime":1014.9699999999999,"endTime":1019.74,"body":"adrenaline boost. And if so we"},{"speaker":"Alan Smith","startTime":1014.9699999999999,"endTime":1019.74,"body":"finished about 3:15am. And of"},{"speaker":"Alan Smith","startTime":1019.74,"endTime":1022.5,"body":"course I'm completely buzzing"},{"speaker":"Alan Smith","startTime":1019.74,"endTime":1022.5,"body":"them wide awake. I've just had"},{"speaker":"Alan Smith","startTime":1022.5,"endTime":1027.39,"body":"this sort of a podcast"},{"speaker":"Alan Smith","startTime":1022.5,"endTime":1027.39,"body":"interview. And it was mad. And I"},{"speaker":"Alan Smith","startTime":1027.39,"endTime":1030.27,"body":"sort of stepped outside. Thank"},{"speaker":"Alan Smith","startTime":1027.39,"endTime":1030.27,"body":"God I brought my car. So the"},{"speaker":"Alan Smith","startTime":1030.27,"endTime":1033.24,"body":"City of London is three o'clock"},{"speaker":"Alan Smith","startTime":1030.27,"endTime":1033.24,"body":"in the morning on a Monday"},{"speaker":"Alan Smith","startTime":1033.39,"endTime":1035.7,"body":"night. It's not as even as a"},{"speaker":"Alan Smith","startTime":1033.39,"endTime":1035.7,"body":"Friday night or a Thursday night"},{"speaker":"Alan Smith","startTime":1035.7,"endTime":1037.8,"body":"or something. I can tell you"},{"speaker":"Alan Smith","startTime":1035.7,"endTime":1037.8,"body":"there's a lot of bizarre"},{"speaker":"Alan Smith","startTime":1037.8,"endTime":1040.38,"body":"characters walk around London,"},{"speaker":"Alan Smith","startTime":1037.8,"endTime":1040.38,"body":"it's sort of a bit of a"},{"speaker":"Alan Smith","startTime":1040.38,"endTime":1042.78,"body":"nightmare. I gotta get my car"},{"speaker":"Alan Smith","startTime":1040.38,"endTime":1042.78,"body":"fully locked. There's some"},{"speaker":"Alan Smith","startTime":1043.08,"endTime":1044.88,"body":"pretty strange looking people,"},{"speaker":"Carl Widger","startTime":1046.1100000000001,"endTime":1050.7,"body":"including managers"},{"speaker":"Carl Widger","startTime":1046.1100000000001,"endTime":1050.7,"body":"or owners you just been sleeping"},{"speaker":"Carl Widger","startTime":1050.7,"endTime":1051.48,"body":"in their office?"},{"speaker":"Alan Smith","startTime":1053.76,"endTime":1055.92,"body":"God, so yeah, that"},{"speaker":"Alan Smith","startTime":1053.76,"endTime":1055.92,"body":"was. So the moral of the story"},{"speaker":"Alan Smith","startTime":1055.92,"endTime":1058.11,"body":"is, first of all, you should"},{"speaker":"Alan Smith","startTime":1055.92,"endTime":1058.11,"body":"just try things reach out to"},{"speaker":"Alan Smith","startTime":1058.11,"endTime":1060.6,"body":"people even it's unlikely that"},{"speaker":"Alan Smith","startTime":1058.11,"endTime":1060.6,"body":"they will respond to you because"},{"speaker":"Alan Smith","startTime":1060.6,"endTime":1063.3,"body":"you never know what will happen."},{"speaker":"Alan Smith","startTime":1060.6,"endTime":1063.3,"body":"And also, you've got to do what"},{"speaker":"Alan Smith","startTime":1063.3,"endTime":1066.45,"body":"it takes if see if you've got to"},{"speaker":"Alan Smith","startTime":1063.3,"endTime":1066.45,"body":"do a podcast at two or three in"},{"speaker":"Alan Smith","startTime":1066.45,"endTime":1069.99,"body":"the morning. Just do it. And by"},{"speaker":"Alan Smith","startTime":1066.45,"endTime":1069.99,"body":"the way, I had a massive old"},{"speaker":"Alan Smith","startTime":1070.02,"endTime":1072.51,"body":"team meeting the next day where"},{"speaker":"Alan Smith","startTime":1070.02,"endTime":1072.51,"body":"they're sort of Kickstart to the"},{"speaker":"Alan Smith","startTime":1072.51,"endTime":1077.1599999999999,"body":"year team meeting the next day."},{"speaker":"Alan Smith","startTime":1072.51,"endTime":1077.1599999999999,"body":"So yeah, Don micronic said, You"},{"speaker":"Alan Smith","startTime":1077.1599999999999,"endTime":1080.07,"body":"look a bit tired this morning,"},{"speaker":"Alan Smith","startTime":1077.1599999999999,"endTime":1080.07,"body":"Alan, I said, no wonder let me"},{"speaker":"Alan Smith","startTime":1080.07,"endTime":1084.6599999999999,"body":"tell you why. So it was quite an"},{"speaker":"Alan Smith","startTime":1080.07,"endTime":1084.6599999999999,"body":"experience, but all good. And"},{"speaker":"Alan Smith","startTime":1084.6599999999999,"endTime":1086.85,"body":"it's been so far, it's our sort"},{"speaker":"Alan Smith","startTime":1084.6599999999999,"endTime":1086.85,"body":"of biggest ever number of"},{"speaker":"Alan Smith","startTime":1086.85,"endTime":1089.52,"body":"downloads on the bulletproof"},{"speaker":"Alan Smith","startTime":1086.85,"endTime":1089.52,"body":"entrepreneur. So thank you for"},{"speaker":"Alan Smith","startTime":1089.52,"endTime":1092.85,"body":"mentioning Nick. But that's the"},{"speaker":"Alan Smith","startTime":1089.52,"endTime":1092.85,"body":"wide world, the crazy world is"},{"speaker":"Alan Smith","startTime":1092.85,"endTime":1096.09,"body":"just referring to getting us"},{"speaker":"Alan Smith","startTime":1092.85,"endTime":1096.09,"body":"back on track to crypto"},{"speaker":"Alan Smith","startTime":1096.09,"endTime":1099.72,"body":"investing Bitcoin, and"},{"speaker":"Alan Smith","startTime":1096.09,"endTime":1099.72,"body":"everything that's attached to"},{"speaker":"Alan Smith","startTime":1099.72,"endTime":1104.34,"body":"that, because you're right, it"},{"speaker":"Alan Smith","startTime":1099.72,"endTime":1104.34,"body":"has had approval by the SEC. I"},{"speaker":"Alan Smith","startTime":1104.34,"endTime":1108.6599999999999,"body":"think there's 11 ETFs. Just a"},{"speaker":"Alan Smith","startTime":1104.34,"endTime":1108.6599999999999,"body":"point on that as well, just to"},{"speaker":"Alan Smith","startTime":1108.6599999999999,"endTime":1113.07,"body":"sort of round it off. It's"},{"speaker":"Alan Smith","startTime":1108.6599999999999,"endTime":1113.07,"body":"bizarre that it was expected"},{"speaker":"Alan Smith","startTime":1113.07,"endTime":1116.31,"body":"that as soon as that got"},{"speaker":"Alan Smith","startTime":1113.07,"endTime":1116.31,"body":"approval, the price of Bitcoin,"},{"speaker":"Alan Smith","startTime":1116.31,"endTime":1121.1399999999999,"body":"but just when it would take off."},{"speaker":"Alan Smith","startTime":1116.31,"endTime":1121.1399999999999,"body":"And what's it done? It's fallen"},{"speaker":"Alan Smith","startTime":1121.1399999999999,"endTime":1123.87,"body":"15% Yes, yeah."},{"speaker":"Carl Widger","startTime":1123.8999999999999,"endTime":1127.62,"body":"But it did in the"},{"speaker":"Carl Widger","startTime":1123.8999999999999,"endTime":1127.62,"body":"first few days and went up 8.6%"},{"speaker":"Carl Widger","startTime":1127.62,"endTime":1130.5,"body":"or something like that, and then"},{"speaker":"Carl Widger","startTime":1127.62,"endTime":1130.5,"body":"it dropped off. But like, Look,"},{"speaker":"Carl Widger","startTime":1130.53,"endTime":1134.3999999999999,"body":"if you want to show clients the"},{"speaker":"Carl Widger","startTime":1130.53,"endTime":1134.3999999999999,"body":"journey of your Bitcoin"},{"speaker":"Carl Widger","startTime":1134.3999999999999,"endTime":1137.37,"body":"investment, and the reason it"},{"speaker":"Carl Widger","startTime":1134.3999999999999,"endTime":1137.37,"body":"should only form a very small"},{"speaker":"Carl Widger","startTime":1137.37,"endTime":1140.6399999999999,"body":"part of your overall portfolio"},{"speaker":"Carl Widger","startTime":1137.37,"endTime":1140.6399999999999,"body":"last week is the perfect"},{"speaker":"Carl Widger","startTime":1140.6399999999999,"endTime":1144.87,"body":"example. And you can also now on"},{"speaker":"Carl Widger","startTime":1140.6399999999999,"endTime":1144.87,"body":"your iPhone, you can show them"},{"speaker":"Carl Widger","startTime":1144.87,"endTime":1149.34,"body":"the long term journey that the"},{"speaker":"Carl Widger","startTime":1144.87,"endTime":1149.34,"body":"bitcoin price has gone up and"},{"speaker":"Carl Widger","startTime":1149.34,"endTime":1153.12,"body":"just ask people are you"},{"speaker":"Carl Widger","startTime":1149.34,"endTime":1153.12,"body":"comfortable with that level of"},{"speaker":"Carl Widger","startTime":1153.12,"endTime":1156.96,"body":"volatility? Where you might make"},{"speaker":"Carl Widger","startTime":1153.12,"endTime":1156.96,"body":"fortunes, but you might lose"},{"speaker":"Carl Widger","startTime":1156.96,"endTime":1161.3999999999999,"body":"fortunes too. So yeah, I think"},{"speaker":"Carl Widger","startTime":1156.96,"endTime":1161.3999999999999,"body":"it's, I think the last week"},{"speaker":"Carl Widger","startTime":1161.3999999999999,"endTime":1164.7,"body":"tells us everything we need to"},{"speaker":"Carl Widger","startTime":1161.3999999999999,"endTime":1164.7,"body":"know about the Bitcoin story and"},{"speaker":"Carl Widger","startTime":1164.9099999999999,"endTime":1167.7,"body":"well known on the podcast and I"},{"speaker":"Carl Widger","startTime":1164.9099999999999,"endTime":1167.7,"body":"think yeah, for any younger"},{"speaker":"Carl Widger","startTime":1167.7,"endTime":1172.02,"body":"advisors out there, shoot your"},{"speaker":"Carl Widger","startTime":1167.7,"endTime":1172.02,"body":"shot. Right here you have Alan"},{"speaker":"Carl Widger","startTime":1172.02,"endTime":1176.22,"body":"Smith running very successful"},{"speaker":"Carl Widger","startTime":1172.02,"endTime":1176.22,"body":"firms still taking those risks."},{"speaker":"Carl Widger","startTime":1176.49,"endTime":1178.98,"body":"You never stopped taking those"},{"speaker":"Carl Widger","startTime":1176.49,"endTime":1178.98,"body":"risks. Anyway."},{"speaker":"Nick Lincoln","startTime":1179.79,"endTime":1182.07,"body":"Okay, thank you."},{"speaker":"Nick Lincoln","startTime":1179.79,"endTime":1182.07,"body":"That's last point."},{"speaker":"Alan Smith","startTime":1182.1,"endTime":1184.32,"body":"Just you know, the"},{"speaker":"Alan Smith","startTime":1182.1,"endTime":1184.32,"body":"Bitcoin the Bitcoin ETF you've"},{"speaker":"Alan Smith","startTime":1184.32,"endTime":1186.6299999999999,"body":"never done never buying"},{"speaker":"Alan Smith","startTime":1184.32,"endTime":1186.6299999999999,"body":"bitcoins. They're just tracking"},{"speaker":"Alan Smith","startTime":1186.6299999999999,"endTime":1189.09,"body":"the price. Just so you know,"},{"speaker":"Alan Smith","startTime":1186.6299999999999,"endTime":1189.09,"body":"they're just whatever your price"},{"speaker":"Alan Smith","startTime":1189.09,"endTime":1190.98,"body":"is your own bitcoins"},{"speaker":"Andy Hart","startTime":1191.25,"endTime":1193.68,"body":"off the show. We'll"},{"speaker":"Andy Hart","startTime":1191.25,"endTime":1193.68,"body":"talk about time zones they're"},{"speaker":"Nick Lincoln","startTime":1197.34,"endTime":1200.1,"body":"right next point,"},{"speaker":"Nick Lincoln","startTime":1197.34,"endTime":1200.1,"body":"Alan next gen Academy"},{"speaker":"Alan Smith","startTime":1208.1399999999999,"endTime":1210.81,"body":"Yeah, I'm going to"},{"speaker":"Alan Smith","startTime":1208.1399999999999,"endTime":1210.81,"body":"tie two things together here."},{"speaker":"Alan Smith","startTime":1213.18,"endTime":1219.57,"body":"NextGen Academy is a it's"},{"speaker":"Alan Smith","startTime":1213.18,"endTime":1219.57,"body":"training program run by guess"},{"speaker":"Alan Smith","startTime":1219.57,"endTime":1223.29,"body":"what Next Gen Next Next Gen. For"},{"speaker":"Alan Smith","startTime":1219.57,"endTime":1223.29,"body":"those who don't know me they're"},{"speaker":"Alan Smith","startTime":1223.29,"endTime":1226.5,"body":"pretty well well known in the"},{"speaker":"Alan Smith","startTime":1223.29,"endTime":1226.5,"body":"advisor community particularly"},{"speaker":"Alan Smith","startTime":1226.5,"endTime":1232.74,"body":"amongst the youngsters and they"},{"speaker":"Alan Smith","startTime":1226.5,"endTime":1232.74,"body":"are is a member. Yeah, they've"},{"speaker":"Alan Smith","startTime":1232.74,"endTime":1235.2,"body":"got this, this academy, this"},{"speaker":"Alan Smith","startTime":1232.74,"endTime":1235.2,"body":"training program, which they've"},{"speaker":"Alan Smith","startTime":1235.2,"endTime":1240.81,"body":"completely redesigned. I think,"},{"speaker":"Alan Smith","startTime":1235.2,"endTime":1240.81,"body":"relatively recently. So we've"},{"speaker":"Alan Smith","startTime":1240.81,"endTime":1244.35,"body":"just signed up, I think, I don't"},{"speaker":"Alan Smith","startTime":1240.81,"endTime":1244.35,"body":"know, maybe about 10 people in"},{"speaker":"Alan Smith","startTime":1244.35,"endTime":1249.18,"body":"our team to go through this. And"},{"speaker":"Alan Smith","startTime":1244.35,"endTime":1249.18,"body":"it looks like it's a fabulous"},{"speaker":"Alan Smith","startTime":1249.21,"endTime":1252.12,"body":"resource. Anyone who's the"},{"speaker":"Alan Smith","startTime":1249.21,"endTime":1252.12,"body":"challenge with all of us running"},{"speaker":"Alan Smith","startTime":1252.3899999999999,"endTime":1255.09,"body":"relatively small businesses is"},{"speaker":"Alan Smith","startTime":1252.3899999999999,"endTime":1255.09,"body":"you know, we've, we've got"},{"speaker":"Alan Smith","startTime":1255.09,"endTime":1257.6399999999999,"body":"something grandly titled The"},{"speaker":"Alan Smith","startTime":1255.09,"endTime":1257.6399999999999,"body":"Capital Academy, but it's"},{"speaker":"Alan Smith","startTime":1257.6399999999999,"endTime":1260.3999999999999,"body":"difficult, we don't have the"},{"speaker":"Alan Smith","startTime":1257.6399999999999,"endTime":1260.3999999999999,"body":"resources and the organization"},{"speaker":"Alan Smith","startTime":1260.3999999999999,"endTime":1264.8999999999999,"body":"to, to be able to deliver this"},{"speaker":"Alan Smith","startTime":1260.3999999999999,"endTime":1264.8999999999999,"body":"in the way that someone like"},{"speaker":"Alan Smith","startTime":1264.8999999999999,"endTime":1267.96,"body":"next gen has who are sort of"},{"speaker":"Alan Smith","startTime":1264.8999999999999,"endTime":1267.96,"body":"dedicated support team and"},{"speaker":"Alan Smith","startTime":1267.96,"endTime":1270.36,"body":"platform. So we've signed up for"},{"speaker":"Alan Smith","startTime":1267.96,"endTime":1270.36,"body":"this. And there's a lot of"},{"speaker":"Alan Smith","startTime":1270.36,"endTime":1273.8999999999999,"body":"training through the kind of"},{"speaker":"Alan Smith","startTime":1270.36,"endTime":1273.8999999999999,"body":"more logistical and exam based"},{"speaker":"Alan Smith","startTime":1273.93,"endTime":1277.44,"body":"type process. But there's a lot"},{"speaker":"Alan Smith","startTime":1273.93,"endTime":1277.44,"body":"of training also on behavioral"},{"speaker":"Alan Smith","startTime":1277.44,"endTime":1280.08,"body":"behavioral coaching, how to"},{"speaker":"Alan Smith","startTime":1277.44,"endTime":1280.08,"body":"speak to clients, how to build"},{"speaker":"Alan Smith","startTime":1280.08,"endTime":1283.3799999999999,"body":"relationships, all that sort of"},{"speaker":"Alan Smith","startTime":1280.08,"endTime":1283.3799999999999,"body":"thing. So shout out to the next"},{"speaker":"Alan Smith","startTime":1283.3799999999999,"endTime":1287.31,"body":"gen Academy, we'll put a link in"},{"speaker":"Alan Smith","startTime":1283.3799999999999,"endTime":1287.31,"body":"the show notes. If anyone is at"},{"speaker":"Alan Smith","startTime":1287.31,"endTime":1289.02,"body":"that stage in their career where"},{"speaker":"Alan Smith","startTime":1287.31,"endTime":1289.02,"body":"they can do with some"},{"speaker":"Alan Smith","startTime":1289.02,"endTime":1293.3999999999999,"body":"development and some sort of"},{"speaker":"Alan Smith","startTime":1289.02,"endTime":1293.3999999999999,"body":"training, then that's a resource"},{"speaker":"Alan Smith","startTime":1293.43,"endTime":1297.45,"body":"and it is, I think, it's, it's"},{"speaker":"Alan Smith","startTime":1293.43,"endTime":1297.45,"body":"very, very good value for money."},{"speaker":"Alan Smith","startTime":1298.35,"endTime":1299.34,"body":"On a similar note, I"},{"speaker":"Nick Lincoln","startTime":1299.34,"endTime":1301.47,"body":"just want a family"},{"speaker":"Nick Lincoln","startTime":1299.34,"endTime":1301.47,"body":"as well. And he's got his finger"},{"speaker":"Nick Lincoln","startTime":1301.47,"endTime":1303.45,"body":"he wants to say so sorry. So"},{"speaker":"Andy Hart","startTime":1304.53,"endTime":1306.69,"body":"yeah, I've heard"},{"speaker":"Andy Hart","startTime":1304.53,"endTime":1306.69,"body":"great things about it. And I"},{"speaker":"Andy Hart","startTime":1306.69,"endTime":1308.7,"body":"know quite a few people that had"},{"speaker":"Andy Hart","startTime":1306.69,"endTime":1308.7,"body":"been through, I think the big"},{"speaker":"Andy Hart","startTime":1308.7,"endTime":1311.49,"body":"changes, it's gone from being"},{"speaker":"Andy Hart","startTime":1308.7,"endTime":1311.49,"body":"really expensive to included in"},{"speaker":"Andy Hart","startTime":1311.49,"endTime":1315.48,"body":"the membership. I think it was a"},{"speaker":"Andy Hart","startTime":1311.49,"endTime":1315.48,"body":"few 1000 pounds, maybe 4000"},{"speaker":"Andy Hart","startTime":1315.48,"endTime":1317.46,"body":"pounds or 3000 pounds or"},{"speaker":"Andy Hart","startTime":1315.48,"endTime":1317.46,"body":"something like that. And then"},{"speaker":"Andy Hart","startTime":1317.46,"endTime":1320.6399999999999,"body":"they've just included the"},{"speaker":"Andy Hart","startTime":1317.46,"endTime":1320.6399999999999,"body":"membership. So I mean, wow, it's"},{"speaker":"Andy Hart","startTime":1320.6399999999999,"endTime":1323.07,"body":"a it's an amazing resource. So"},{"speaker":"Andy Hart","startTime":1320.6399999999999,"endTime":1323.07,"body":"definitely do check it out if"},{"speaker":"Andy Hart","startTime":1323.07,"endTime":1326.31,"body":"you're a firm owner and have"},{"speaker":"Andy Hart","startTime":1323.07,"endTime":1326.31,"body":"people that need to be trained"},{"speaker":"Andy Hart","startTime":1326.31,"endTime":1328.56,"body":"up more so if you're one of"},{"speaker":"Andy Hart","startTime":1326.31,"endTime":1328.56,"body":"those individuals as well. So"},{"speaker":"Andy Hart","startTime":1328.56,"endTime":1329.55,"body":"yeah, good shout out."},{"speaker":"Alan Smith","startTime":1330.78,"endTime":1334.08,"body":"Cheers and similar"},{"speaker":"Alan Smith","startTime":1330.78,"endTime":1334.08,"body":"to that, similar but different."},{"speaker":"Alan Smith","startTime":1335.22,"endTime":1341.01,"body":"You guys know verb, the verb,"},{"speaker":"Alan Smith","startTime":1335.22,"endTime":1341.01,"body":"advisor, incubator. I don't know"},{"speaker":"Alan Smith","startTime":1341.01,"endTime":1344.8799999999999,"body":"that I run by Kathy Harrison. I"},{"speaker":"Alan Smith","startTime":1341.01,"endTime":1344.8799999999999,"body":"don't know, Kathy. But I see and"},{"speaker":"Alan Smith","startTime":1344.8799999999999,"endTime":1348.6599999999999,"body":"sort of track their progress"},{"speaker":"Alan Smith","startTime":1344.8799999999999,"endTime":1348.6599999999999,"body":"online. And I noticed recently"},{"speaker":"Alan Smith","startTime":1349.11,"endTime":1353.46,"body":"that they've got a program"},{"speaker":"Alan Smith","startTime":1349.11,"endTime":1353.46,"body":"called Verve advisor incubators."},{"speaker":"Alan Smith","startTime":1353.46,"endTime":1356.34,"body":"So and it's designed for anyone"},{"speaker":"Alan Smith","startTime":1353.46,"endTime":1356.34,"body":"who is if you are one of these"},{"speaker":"Alan Smith","startTime":1356.34,"endTime":1358.3799999999999,"body":"kinds of young advisors, we've"},{"speaker":"Alan Smith","startTime":1356.34,"endTime":1358.3799999999999,"body":"talked about a lot on the"},{"speaker":"Alan Smith","startTime":1358.3799999999999,"endTime":1361.5,"body":"podcast, you thinking about"},{"speaker":"Alan Smith","startTime":1358.3799999999999,"endTime":1361.5,"body":"getting started you thinking of"},{"speaker":"Alan Smith","startTime":1361.5,"endTime":1364.68,"body":"either setting up your own"},{"speaker":"Alan Smith","startTime":1361.5,"endTime":1364.68,"body":"business, or you are a sort of"},{"speaker":"Alan Smith","startTime":1364.68,"endTime":1368.22,"body":"sole trader, advisor, you're"},{"speaker":"Alan Smith","startTime":1364.68,"endTime":1368.22,"body":"looking to grow and scale maybe"},{"speaker":"Alan Smith","startTime":1368.22,"endTime":1371.1599999999999,"body":"to hire one or two other"},{"speaker":"Alan Smith","startTime":1368.22,"endTime":1371.1599999999999,"body":"advisors and build a team, all"},{"speaker":"Alan Smith","startTime":1371.1599999999999,"endTime":1375.99,"body":"that sort of thing. You should"},{"speaker":"Alan Smith","startTime":1371.1599999999999,"endTime":1375.99,"body":"check this out of Verve advisor"},{"speaker":"Alan Smith","startTime":1376.02,"endTime":1381.06,"body":"incubator, it looks like a"},{"speaker":"Alan Smith","startTime":1376.02,"endTime":1381.06,"body":"fabulous resource training,"},{"speaker":"Alan Smith","startTime":1381.09,"endTime":1386.46,"body":"development, mentoring coaching"},{"speaker":"Alan Smith","startTime":1381.09,"endTime":1386.46,"body":"for people going through that"},{"speaker":"Alan Smith","startTime":1386.46,"endTime":1390.36,"body":"stage of their business journey."},{"speaker":"Alan Smith","startTime":1386.46,"endTime":1390.36,"body":"They also even give you access"},{"speaker":"Alan Smith","startTime":1390.3899999999999,"endTime":1392.28,"body":"if you're working from home, but"},{"speaker":"Alan Smith","startTime":1390.3899999999999,"endTime":1392.28,"body":"you'd like to go and sort of"},{"speaker":"Alan Smith","startTime":1392.31,"endTime":1395.04,"body":"work in an office two or three"},{"speaker":"Alan Smith","startTime":1392.31,"endTime":1395.04,"body":"days a week, you can get access"},{"speaker":"Alan Smith","startTime":1395.04,"endTime":1400.62,"body":"to that. Again, it's to my mind"},{"speaker":"Alan Smith","startTime":1395.04,"endTime":1400.62,"body":"relatively inexpensive to get on"},{"speaker":"Alan Smith","startTime":1400.62,"endTime":1404.94,"body":"the program. Now I had a little"},{"speaker":"Alan Smith","startTime":1400.62,"endTime":1404.94,"body":"exchange recently with I think"},{"speaker":"Alan Smith","startTime":1404.94,"endTime":1409.17,"body":"it's Haley Healy rabbits, who is"},{"speaker":"Alan Smith","startTime":1404.94,"endTime":1409.17,"body":"the person who delivers this,"},{"speaker":"Alan Smith","startTime":1409.59,"endTime":1414.78,"body":"the day this podcast goes out is"},{"speaker":"Alan Smith","startTime":1409.59,"endTime":1414.78,"body":"the day that that verb incubator"},{"speaker":"Alan Smith","startTime":1414.78,"endTime":1419.1599999999999,"body":"advisor incubator is due to"},{"speaker":"Alan Smith","startTime":1414.78,"endTime":1419.1599999999999,"body":"close. But because I said to her"},{"speaker":"Alan Smith","startTime":1419.1599999999999,"endTime":1421.53,"body":"that I was going to mention it"},{"speaker":"Alan Smith","startTime":1419.1599999999999,"endTime":1421.53,"body":"on the program, she's happy to"},{"speaker":"Alan Smith","startTime":1421.53,"endTime":1426.6599999999999,"body":"extend it by a further seven"},{"speaker":"Alan Smith","startTime":1421.53,"endTime":1426.6599999999999,"body":"days by now this particular now"},{"speaker":"Alan Smith","startTime":1426.6599999999999,"endTime":1429.87,"body":"she's as she's this is they do"},{"speaker":"Alan Smith","startTime":1426.6599999999999,"endTime":1429.87,"body":"it in cohorts, right, you join"},{"speaker":"Alan Smith","startTime":1429.87,"endTime":1432.51,"body":"it, then I'll do another call, I"},{"speaker":"Alan Smith","startTime":1429.87,"endTime":1432.51,"body":"guess later in the year, but for"},{"speaker":"Alan Smith","startTime":1432.51,"endTime":1436.08,"body":"now. So if anyone's listening to"},{"speaker":"Alan Smith","startTime":1432.51,"endTime":1436.08,"body":"this, and you're at that stage,"},{"speaker":"Alan Smith","startTime":1436.08,"endTime":1438.51,"body":"you know, you think it may be"},{"speaker":"Alan Smith","startTime":1436.08,"endTime":1438.51,"body":"spinning out and starting your"},{"speaker":"Alan Smith","startTime":1438.51,"endTime":1440.61,"body":"own business, or you want to"},{"speaker":"Alan Smith","startTime":1438.51,"endTime":1440.61,"body":"grow the business. So you're"},{"speaker":"Alan Smith","startTime":1440.61,"endTime":1442.95,"body":"that kind of relatively early"},{"speaker":"Alan Smith","startTime":1440.61,"endTime":1442.95,"body":"stage, and you need some"},{"speaker":"Alan Smith","startTime":1442.95,"endTime":1446.6399999999999,"body":"mentoring, development guidance,"},{"speaker":"Alan Smith","startTime":1442.95,"endTime":1446.6399999999999,"body":"maybe even an office space to"},{"speaker":"Alan Smith","startTime":1446.7,"endTime":1451.74,"body":"operate from someplace, check it"},{"speaker":"Alan Smith","startTime":1446.7,"endTime":1451.74,"body":"out. I think the point of this,"},{"speaker":"Alan Smith","startTime":1452.19,"endTime":1455.85,"body":"both next gen and verve and as a"},{"speaker":"Alan Smith","startTime":1452.19,"endTime":1455.85,"body":"few other things as well, is"},{"speaker":"Alan Smith","startTime":1456.21,"endTime":1457.8,"body":"we're beginning to get to the"},{"speaker":"Alan Smith","startTime":1456.21,"endTime":1457.8,"body":"point where there's no real"},{"speaker":"Alan Smith","startTime":1457.8,"endTime":1460.17,"body":"excuse, you know, we've done a"},{"speaker":"Alan Smith","startTime":1457.8,"endTime":1460.17,"body":"couple of shows about young"},{"speaker":"Alan Smith","startTime":1460.17,"endTime":1463.83,"body":"advisors and taking a risk and"},{"speaker":"Alan Smith","startTime":1460.17,"endTime":1463.83,"body":"so on. To my mind, it seems that"},{"speaker":"Alan Smith","startTime":1463.83,"endTime":1467.28,"body":"there's less risk than was, you"},{"speaker":"Alan Smith","startTime":1463.83,"endTime":1467.28,"body":"know, when when some of us were"},{"speaker":"Alan Smith","startTime":1467.28,"endTime":1470.01,"body":"doing it, because there was none"},{"speaker":"Alan Smith","startTime":1467.28,"endTime":1470.01,"body":"of these resources around. So if"},{"speaker":"Alan Smith","startTime":1470.01,"endTime":1473.28,"body":"you are halfway inclined to"},{"speaker":"Alan Smith","startTime":1470.01,"endTime":1473.28,"body":"doing something entrepreneurial,"},{"speaker":"Alan Smith","startTime":1473.52,"endTime":1475.92,"body":"you know, get on with it, you"},{"speaker":"Alan Smith","startTime":1473.52,"endTime":1475.92,"body":"know, speak to these people"},{"speaker":"Alan Smith","startTime":1476.01,"endTime":1479.46,"body":"engage with these platforms. It"},{"speaker":"Alan Smith","startTime":1476.01,"endTime":1479.46,"body":"is not expensive, neither of"},{"speaker":"Alan Smith","startTime":1479.46,"endTime":1483.0,"body":"them are no excuses crack on"},{"speaker":"Alan Smith","startTime":1479.46,"endTime":1483.0,"body":"Yes, Ultra."},{"speaker":"Andy Hart","startTime":1483.75,"endTime":1487.32,"body":"Yeah, just on this, I"},{"speaker":"Andy Hart","startTime":1483.75,"endTime":1487.32,"body":"had my annual sort of compliance"},{"speaker":"Andy Hart","startTime":1487.32,"endTime":1492.75,"body":"visit from the company I use."},{"speaker":"Andy Hart","startTime":1487.32,"endTime":1492.75,"body":"Last week, I was speaking to my"},{"speaker":"Andy Hart","startTime":1492.75,"endTime":1496.17,"body":"contact there about the"},{"speaker":"Andy Hart","startTime":1492.75,"endTime":1496.17,"body":"percentage of people that get"},{"speaker":"Andy Hart","startTime":1496.74,"endTime":1498.99,"body":"authorized now to go directly"},{"speaker":"Andy Hart","startTime":1496.74,"endTime":1498.99,"body":"authorized. There's a bit of a"},{"speaker":"Andy Hart","startTime":1498.99,"endTime":1501.12,"body":"seismic shift going on here. I"},{"speaker":"Andy Hart","startTime":1498.99,"endTime":1501.12,"body":"mean, I went there only"},{"speaker":"Andy Hart","startTime":1501.12,"endTime":1504.1499999999999,"body":"authorized in 2017. It was a"},{"speaker":"Andy Hart","startTime":1501.12,"endTime":1504.1499999999999,"body":"painful process, but I got"},{"speaker":"Andy Hart","startTime":1504.1499999999999,"endTime":1508.26,"body":"through it. Nick, you did in"},{"speaker":"Andy Hart","startTime":1504.1499999999999,"endTime":1508.26,"body":"2008. So I think it was maybe a"},{"speaker":"Andy Hart","startTime":1508.26,"endTime":1513.21,"body":"little a little bit simpler."},{"speaker":"Andy Hart","startTime":1508.26,"endTime":1513.21,"body":"I've heard apparently only 8% of"},{"speaker":"Andy Hart","startTime":1513.21,"endTime":1516.12,"body":"people that apply now get"},{"speaker":"Andy Hart","startTime":1513.21,"endTime":1516.12,"body":"directly authorized because it's"},{"speaker":"Andy Hart","startTime":1516.12,"endTime":1521.04,"body":"a very sort of arduous process"},{"speaker":"Andy Hart","startTime":1516.12,"endTime":1521.04,"body":"with the regulator. So this is"},{"speaker":"Andy Hart","startTime":1521.25,"endTime":1525.27,"body":"changing things because a lot"},{"speaker":"Andy Hart","startTime":1521.25,"endTime":1525.27,"body":"more people are now having to go"},{"speaker":"Andy Hart","startTime":1525.27,"endTime":1527.82,"body":"by network. So yes, to your"},{"speaker":"Andy Hart","startTime":1525.27,"endTime":1527.82,"body":"point Allah there's loads of"},{"speaker":"Andy Hart","startTime":1527.82,"endTime":1531.78,"body":"resources for build a business"},{"speaker":"Andy Hart","startTime":1527.82,"endTime":1531.78,"body":"As this is how you attract"},{"speaker":"Andy Hart","startTime":1531.78,"endTime":1534.45,"body":"clients, this is how you"},{"speaker":"Andy Hart","startTime":1531.78,"endTime":1534.45,"body":"implement processes. This is how"},{"speaker":"Andy Hart","startTime":1534.45,"endTime":1539.52,"body":"you build a team. But we've"},{"speaker":"Andy Hart","startTime":1534.45,"endTime":1539.52,"body":"almost got a bit of a sort of"},{"speaker":"Andy Hart","startTime":1539.52,"endTime":1541.83,"body":"curtailment of the"},{"speaker":"Andy Hart","startTime":1539.52,"endTime":1541.83,"body":"entrepreneurial spirit, because"},{"speaker":"Andy Hart","startTime":1541.83,"endTime":1546.72,"body":"the regulator is only, you know,"},{"speaker":"Andy Hart","startTime":1541.83,"endTime":1546.72,"body":"authorizing a very tiny number"},{"speaker":"Andy Hart","startTime":1546.72,"endTime":1548.31,"body":"of firms. Yeah, I"},{"speaker":"Alan Smith","startTime":1548.31,"endTime":1550.62,"body":"think that's, I"},{"speaker":"Alan Smith","startTime":1548.31,"endTime":1550.62,"body":"think that's overall not"},{"speaker":"Alan Smith","startTime":1550.62,"endTime":1553.59,"body":"necessarily a bad thing I"},{"speaker":"Alan Smith","startTime":1550.62,"endTime":1553.59,"body":"understand the process has got"},{"speaker":"Alan Smith","startTime":1554.1599999999999,"endTime":1556.68,"body":"much tighter, I understand."},{"speaker":"Alan Smith","startTime":1554.1599999999999,"endTime":1556.68,"body":"You've got to write a pretty"},{"speaker":"Alan Smith","startTime":1556.68,"endTime":1560.43,"body":"detailed business plan with"},{"speaker":"Alan Smith","startTime":1556.68,"endTime":1560.43,"body":"forecast future, profit and"},{"speaker":"Alan Smith","startTime":1560.43,"endTime":1563.3999999999999,"body":"loss, all that sort of thing. So"},{"speaker":"Alan Smith","startTime":1560.43,"endTime":1563.3999999999999,"body":"it is definitely more complex"},{"speaker":"Alan Smith","startTime":1563.3999999999999,"endTime":1563.7,"body":"money."},{"speaker":"Andy Hart","startTime":1563.73,"endTime":1566.04,"body":"And then you have"},{"speaker":"Andy Hart","startTime":1563.73,"endTime":1566.04,"body":"many screening interviews, and"},{"speaker":"Andy Hart","startTime":1566.04,"endTime":1568.8,"body":"they pick you up quite a lot of"},{"speaker":"Andy Hart","startTime":1566.04,"endTime":1568.8,"body":"things that you add"},{"speaker":"Alan Smith","startTime":1568.8,"endTime":1571.02,"body":"to you. And I know"},{"speaker":"Alan Smith","startTime":1568.8,"endTime":1571.02,"body":"somebody who's you and I know"},{"speaker":"Alan Smith","startTime":1571.02,"endTime":1574.68,"body":"someone who's a first class"},{"speaker":"Alan Smith","startTime":1571.02,"endTime":1574.68,"body":"advisor, who actually declined"},{"speaker":"Alan Smith","startTime":1574.77,"endTime":1577.8899999999999,"body":"when he declined from the"},{"speaker":"Alan Smith","startTime":1574.77,"endTime":1577.8899999999999,"body":"interview process, they say try"},{"speaker":"Alan Smith","startTime":1577.8899999999999,"endTime":1579.18,"body":"again, in six months or so I"},{"speaker":"Alan Smith","startTime":1577.8899999999999,"endTime":1579.18,"body":"think"},{"speaker":"Andy Hart","startTime":1579.18,"endTime":1581.49,"body":"it cost about 2200"},{"speaker":"Andy Hart","startTime":1579.18,"endTime":1581.49,"body":"pounds. And if they declined,"},{"speaker":"Andy Hart","startTime":1581.49,"endTime":1583.62,"body":"either, you don't get the money"},{"speaker":"Andy Hart","startTime":1581.49,"endTime":1583.62,"body":"back. So so it's not as if they"},{"speaker":"Andy Hart","startTime":1583.62,"endTime":1587.28,"body":"say, you're close to getting all"},{"speaker":"Andy Hart","startTime":1583.62,"endTime":1587.28,"body":"through authorization, these are"},{"speaker":"Andy Hart","startTime":1587.28,"endTime":1589.6499999999999,"body":"the areas we think you need to"},{"speaker":"Andy Hart","startTime":1587.28,"endTime":1589.6499999999999,"body":"work on, come back for an"},{"speaker":"Andy Hart","startTime":1589.6499999999999,"endTime":1591.78,"body":"interview in three months time,"},{"speaker":"Andy Hart","startTime":1589.6499999999999,"endTime":1591.78,"body":"it's like declined, see you"},{"speaker":"Andy Hart","startTime":1591.78,"endTime":1594.8999999999999,"body":"later find another route. So"},{"speaker":"Andy Hart","startTime":1591.78,"endTime":1594.8999999999999,"body":"think they're going to make it"},{"speaker":"Andy Hart","startTime":1594.8999999999999,"endTime":1596.79,"body":"slightly better. Again, I don't"},{"speaker":"Andy Hart","startTime":1594.8999999999999,"endTime":1596.79,"body":"know well enough, I'm just sort"},{"speaker":"Andy Hart","startTime":1596.79,"endTime":1598.62,"body":"of dabbling in this space. But"},{"speaker":"Alan Smith","startTime":1598.6499999999999,"endTime":1601.95,"body":"But I don't think I"},{"speaker":"Alan Smith","startTime":1598.6499999999999,"endTime":1601.95,"body":"don't think it's a catastrophe"},{"speaker":"Alan Smith","startTime":1601.98,"endTime":1604.83,"body":"to go through we've mentioned"},{"speaker":"Alan Smith","startTime":1601.98,"endTime":1604.83,"body":"again, before a couple of the"},{"speaker":"Alan Smith","startTime":1605.04,"endTime":1608.67,"body":"sort of modern style networks to"},{"speaker":"Alan Smith","startTime":1605.04,"endTime":1608.67,"body":"see far more switched on"},{"speaker":"Alan Smith","startTime":1608.7,"endTime":1611.46,"body":"proactive digital style than"},{"speaker":"Alan Smith","startTime":1608.7,"endTime":1611.46,"body":"some of the more legacy ones"},{"speaker":"Alan Smith","startTime":1611.46,"endTime":1613.62,"body":"that we've been familiar with."},{"speaker":"Alan Smith","startTime":1611.46,"endTime":1613.62,"body":"So it's not the end of the road,"},{"speaker":"Alan Smith","startTime":1613.62,"endTime":1616.05,"body":"at least to get you started, get"},{"speaker":"Alan Smith","startTime":1613.62,"endTime":1616.05,"body":"underway, get all that kind of"},{"speaker":"Alan Smith","startTime":1616.05,"endTime":1620.01,"body":"regulatory compliance support."},{"speaker":"Alan Smith","startTime":1616.05,"endTime":1620.01,"body":"And maybe whatever, 235 years"},{"speaker":"Alan Smith","startTime":1620.01,"endTime":1622.8899999999999,"body":"down the line, if you feel that"},{"speaker":"Alan Smith","startTime":1620.01,"endTime":1622.8899999999999,"body":"you want to sort of spread your"},{"speaker":"Alan Smith","startTime":1622.8899999999999,"endTime":1625.8,"body":"own wings, then you can do that"},{"speaker":"Alan Smith","startTime":1622.8899999999999,"endTime":1625.8,"body":"with a bit more experience and"},{"speaker":"Alan Smith","startTime":1625.8,"endTime":1629.1299999999999,"body":"go directly regulated, should"},{"speaker":"Alan Smith","startTime":1625.8,"endTime":1629.1299999999999,"body":"you choose to do I've just"},{"speaker":"Alan Smith","startTime":1629.1299999999999,"endTime":1633.06,"body":"noticed it, you know, a lot of"},{"speaker":"Alan Smith","startTime":1629.1299999999999,"endTime":1633.06,"body":"it is to do with, with trap, I"},{"speaker":"Alan Smith","startTime":1633.06,"endTime":1637.6499999999999,"body":"think I think we've kind of"},{"speaker":"Alan Smith","startTime":1633.06,"endTime":1637.6499999999999,"body":"opened the doors or the minds of"},{"speaker":"Alan Smith","startTime":1637.6499999999999,"endTime":1640.59,"body":"a few younger advisors I'm"},{"speaker":"Alan Smith","startTime":1637.6499999999999,"endTime":1640.59,"body":"getting, I'm getting a lot of"},{"speaker":"Alan Smith","startTime":1640.59,"endTime":1643.4099999999999,"body":"calls and you guys are as well"},{"speaker":"Alan Smith","startTime":1640.59,"endTime":1643.4099999999999,"body":"and messages and things from"},{"speaker":"Alan Smith","startTime":1643.92,"endTime":1647.1299999999999,"body":"people in situations and"},{"speaker":"Alan Smith","startTime":1643.92,"endTime":1647.1299999999999,"body":"circumstances and organizations"},{"speaker":"Alan Smith","startTime":1647.1299999999999,"endTime":1648.87,"body":"that they don't love the you"},{"speaker":"Alan Smith","startTime":1647.1299999999999,"endTime":1648.87,"body":"know, they're just they're"},{"speaker":"Alan Smith","startTime":1648.87,"endTime":1651.99,"body":"recognizing there's a better way"},{"speaker":"Alan Smith","startTime":1648.87,"endTime":1651.99,"body":"to operate. And I just there's a"},{"speaker":"Alan Smith","startTime":1651.99,"endTime":1655.47,"body":"lot of movement in the advisor"},{"speaker":"Alan Smith","startTime":1651.99,"endTime":1655.47,"body":"community right now as a lot of"},{"speaker":"Alan Smith","startTime":1655.47,"endTime":1659.04,"body":"particularly younger advisors"},{"speaker":"Alan Smith","startTime":1655.47,"endTime":1659.04,"body":"just looking to evolve change,"},{"speaker":"Alan Smith","startTime":1659.07,"endTime":1663.99,"body":"either set up their own show, or"},{"speaker":"Alan Smith","startTime":1659.07,"endTime":1663.99,"body":"look towards migrating towards a"},{"speaker":"Alan Smith","startTime":1663.99,"endTime":1667.35,"body":"company that read us embrace all"},{"speaker":"Alan Smith","startTime":1663.99,"endTime":1667.35,"body":"the things that you and I we all"},{"speaker":"Alan Smith","startTime":1667.35,"endTime":1670.11,"body":"talk about. So it's an"},{"speaker":"Alan Smith","startTime":1667.35,"endTime":1670.11,"body":"interesting dynamic space right"},{"speaker":"Alan Smith","startTime":1670.11,"endTime":1673.23,"body":"now. And it's great that there's"},{"speaker":"Alan Smith","startTime":1670.11,"endTime":1673.23,"body":"so many resources for people."},{"speaker":"Nick Lincoln","startTime":1674.43,"endTime":1678.21,"body":"Absolutely the"},{"speaker":"Nick Lincoln","startTime":1674.43,"endTime":1678.21,"body":"what's available now is that's"},{"speaker":"Nick Lincoln","startTime":1678.21,"endTime":1680.55,"body":"out there is amazing. Okay,"},{"speaker":"Nick Lincoln","startTime":1678.21,"endTime":1680.55,"body":"moving on to the next story"},{"speaker":"Nick Lincoln","startTime":1680.55,"endTime":1683.76,"body":"here. And this was this was"},{"speaker":"Nick Lincoln","startTime":1680.55,"endTime":1683.76,"body":"brought to my attention by a"},{"speaker":"Nick Lincoln","startTime":1683.76,"endTime":1686.37,"body":"trapeze fan of ours. And we know"},{"speaker":"Nick Lincoln","startTime":1683.76,"endTime":1686.37,"body":"this guy's a good guy, John"},{"speaker":"Nick Lincoln","startTime":1686.37,"endTime":1689.79,"body":"Doyle, he's on Twitter or X,"},{"speaker":"Nick Lincoln","startTime":1686.37,"endTime":1689.79,"body":"whatever it's called, as at"},{"speaker":"Nick Lincoln","startTime":1689.82,"endTime":1694.17,"body":"Juniper underscore, John. And,"},{"speaker":"Nick Lincoln","startTime":1689.82,"endTime":1694.17,"body":"you know, we call this the real"},{"speaker":"Nick Lincoln","startTime":1694.17,"endTime":1698.31,"body":"advisor podcast right tra P"},{"speaker":"Nick Lincoln","startTime":1694.17,"endTime":1698.31,"body":"trap, the real advisor podcast."},{"speaker":"Nick Lincoln","startTime":1698.73,"endTime":1702.45,"body":"And the reason we call it that,"},{"speaker":"Nick Lincoln","startTime":1698.73,"endTime":1702.45,"body":"is that what we do, we the four"},{"speaker":"Nick Lincoln","startTime":1702.45,"endTime":1706.1399999999999,"body":"of us believe that real"},{"speaker":"Nick Lincoln","startTime":1702.45,"endTime":1706.1399999999999,"body":"financial planning is about"},{"speaker":"Nick Lincoln","startTime":1706.1399999999999,"endTime":1708.99,"body":"doing the financial planning and"},{"speaker":"Nick Lincoln","startTime":1706.1399999999999,"endTime":1708.99,"body":"the financial planning is"},{"speaker":"Nick Lincoln","startTime":1708.99,"endTime":1711.96,"body":"paramount and everything"},{"speaker":"Nick Lincoln","startTime":1708.99,"endTime":1711.96,"body":"cascades off the financial plan"},{"speaker":"Nick Lincoln","startTime":1712.08,"endTime":1716.04,"body":"off the cash flow, which you"},{"speaker":"Nick Lincoln","startTime":1712.08,"endTime":1716.04,"body":"then tinker with and alter and"},{"speaker":"Nick Lincoln","startTime":1716.04,"endTime":1718.1399999999999,"body":"adjust over the years to get our"},{"speaker":"Nick Lincoln","startTime":1716.04,"endTime":1718.1399999999999,"body":"clients to a successful"},{"speaker":"Nick Lincoln","startTime":1718.1399999999999,"endTime":1722.85,"body":"financial outcome. But so many"},{"speaker":"Nick Lincoln","startTime":1718.1399999999999,"endTime":1722.85,"body":"advisors still don't do it. It's"},{"speaker":"Nick Lincoln","startTime":1722.85,"endTime":1725.9099999999999,"body":"not integral to their business,"},{"speaker":"Nick Lincoln","startTime":1722.85,"endTime":1725.9099999999999,"body":"and they they'll offer it as an"},{"speaker":"Nick Lincoln","startTime":1725.9099999999999,"endTime":1730.05,"body":"add on. And the story that John"},{"speaker":"Nick Lincoln","startTime":1725.9099999999999,"endTime":1730.05,"body":"Doyle put on Twitter was in ft"},{"speaker":"Nick Lincoln","startTime":1730.05,"endTime":1733.2,"body":"advisor and as a link to it in"},{"speaker":"Nick Lincoln","startTime":1730.05,"endTime":1733.2,"body":"the so called Show net. And from"},{"speaker":"Nick Lincoln","startTime":1733.2,"endTime":1735.1499999999999,"body":"about this firm called"},{"speaker":"Nick Lincoln","startTime":1733.2,"endTime":1735.1499999999999,"body":"fairstone, who are a decent"},{"speaker":"Nick Lincoln","startTime":1735.1499999999999,"endTime":1740.67,"body":"sized firm. But Matt Jeffery,"},{"speaker":"Nick Lincoln","startTime":1735.1499999999999,"endTime":1740.67,"body":"their head of office and head of"},{"speaker":"Nick Lincoln","startTime":1740.67,"endTime":1743.1,"body":"office and independent financial"},{"speaker":"Nick Lincoln","startTime":1740.67,"endTime":1743.1,"body":"advisor at first Stone said,"},{"speaker":"Nick Lincoln","startTime":1743.34,"endTime":1746.58,"body":"with the ability to add on"},{"speaker":"Nick Lincoln","startTime":1743.34,"endTime":1746.58,"body":"additional features such as a"},{"speaker":"Nick Lincoln","startTime":1746.58,"endTime":1750.99,"body":"twice yearly review, bespoke"},{"speaker":"Nick Lincoln","startTime":1746.58,"endTime":1750.99,"body":"investment solutions, ouch,"},{"speaker":"Nick Lincoln","startTime":1751.08,"endTime":1754.26,"body":"lifetime cashflow planning, or"},{"speaker":"Nick Lincoln","startTime":1751.08,"endTime":1754.26,"body":"estate planning. Our services"},{"speaker":"Nick Lincoln","startTime":1754.26,"endTime":1759.09,"body":"can be truly tailored to"},{"speaker":"Nick Lincoln","startTime":1754.26,"endTime":1759.09,"body":"individual needs. cashflow"},{"speaker":"Nick Lincoln","startTime":1759.09,"endTime":1762.54,"body":"planning, is not something you"},{"speaker":"Nick Lincoln","startTime":1759.09,"endTime":1762.54,"body":"bolt on for those particular"},{"speaker":"Nick Lincoln","startTime":1762.6,"endTime":1764.6399999999999,"body":"clients who are going to ask for"},{"speaker":"Nick Lincoln","startTime":1762.6,"endTime":1764.6399999999999,"body":"it. By the way, none we're going"},{"speaker":"Nick Lincoln","startTime":1764.6399999999999,"endTime":1766.98,"body":"to ask for it because none of"},{"speaker":"Nick Lincoln","startTime":1764.6399999999999,"endTime":1766.98,"body":"them know about it. So it's"},{"speaker":"Nick Lincoln","startTime":1766.98,"endTime":1770.1,"body":"still out there this thing where"},{"speaker":"Nick Lincoln","startTime":1766.98,"endTime":1770.1,"body":"it's treated as almost an"},{"speaker":"Nick Lincoln","startTime":1770.1,"endTime":1772.29,"body":"addendum thing, sort of box"},{"speaker":"Nick Lincoln","startTime":1770.1,"endTime":1772.29,"body":"ticking thing for those people"},{"speaker":"Nick Lincoln","startTime":1772.29,"endTime":1775.26,"body":"that we think it's suitable for"},{"speaker":"Nick Lincoln","startTime":1772.29,"endTime":1775.26,"body":"I just, to me, I still find it"},{"speaker":"Nick Lincoln","startTime":1775.26,"endTime":1777.45,"body":"staggering, but it's just a"},{"speaker":"Nick Lincoln","startTime":1775.26,"endTime":1777.45,"body":"reminder that the real advisor"},{"speaker":"Nick Lincoln","startTime":1777.45,"endTime":1783.06,"body":"podcast, what we're doing is"},{"speaker":"Nick Lincoln","startTime":1777.45,"endTime":1783.06,"body":"still I think, relatively niche."},{"speaker":"Nick Lincoln","startTime":1783.33,"endTime":1787.35,"body":"And I see H E for our American"},{"speaker":"Nick Lincoln","startTime":1783.33,"endTime":1787.35,"body":"listeners niche, and it's not"},{"speaker":"Nick Lincoln","startTime":1787.3799999999999,"endTime":1789.36,"body":"the status quo. Any comments on"},{"speaker":"Nick Lincoln","startTime":1787.3799999999999,"endTime":1789.36,"body":"that show move on?"},{"speaker":"Carl Widger","startTime":1790.8,"endTime":1793.35,"body":"Yeah, I have a"},{"speaker":"Carl Widger","startTime":1790.8,"endTime":1793.35,"body":"comment or not. Where does that"},{"speaker":"Carl Widger","startTime":1793.35,"endTime":1798.99,"body":"comment that calls fists are sit"},{"speaker":"Carl Widger","startTime":1793.35,"endTime":1798.99,"body":"with your latest consumer Judy"},{"speaker":"Carl Widger","startTime":1798.99,"endTime":1804.8999999999999,"body":"rules, which you boys told me"},{"speaker":"Carl Widger","startTime":1798.99,"endTime":1804.8999999999999,"body":"said that the FCA wanted to see"},{"speaker":"Carl Widger","startTime":1804.8999999999999,"endTime":1809.85,"body":"cash flow modeling in every"},{"speaker":"Carl Widger","startTime":1804.8999999999999,"endTime":1809.85,"body":"single case. So is that not"},{"speaker":"Carl Widger","startTime":1809.8799999999999,"endTime":1812.1,"body":"contravening the new rules?"},{"speaker":"Alan Smith","startTime":1813.1499999999999,"endTime":1815.94,"body":"I think basically"},{"speaker":"Alan Smith","startTime":1813.1499999999999,"endTime":1815.94,"body":"consumer duty is not it's not is"},{"speaker":"Alan Smith","startTime":1815.94,"endTime":1819.99,"body":"guidance. It doesn't say every"},{"speaker":"Alan Smith","startTime":1815.94,"endTime":1819.99,"body":"single person must do by law"},{"speaker":"Alan Smith","startTime":1819.99,"endTime":1823.26,"body":"must do this. That's this is the"},{"speaker":"Alan Smith","startTime":1819.99,"endTime":1823.26,"body":"beginning to expect in terms of"},{"speaker":"Alan Smith","startTime":1823.26,"endTime":1826.05,"body":"delivering a comprehensive"},{"speaker":"Alan Smith","startTime":1823.26,"endTime":1826.05,"body":"either all about value value for"},{"speaker":"Alan Smith","startTime":1826.05,"endTime":1829.71,"body":"money. But I think the point so"},{"speaker":"Alan Smith","startTime":1826.05,"endTime":1829.71,"body":"I think that's the direction of"},{"speaker":"Alan Smith","startTime":1829.71,"endTime":1833.67,"body":"travel The regulator wants the"},{"speaker":"Alan Smith","startTime":1829.71,"endTime":1833.67,"body":"industry to move in. But it's"},{"speaker":"Alan Smith","startTime":1834.1499999999999,"endTime":1838.35,"body":"painfully slow. I think. And we"},{"speaker":"Alan Smith","startTime":1834.1499999999999,"endTime":1838.35,"body":"said it before. And we'll say it"},{"speaker":"Alan Smith","startTime":1838.35,"endTime":1841.8899999999999,"body":"again, we operate in a bubble, I"},{"speaker":"Alan Smith","startTime":1838.35,"endTime":1841.8899999999999,"body":"speak to you guys and the only"},{"speaker":"Alan Smith","startTime":1841.8899999999999,"endTime":1844.68,"body":"other advisors really that I"},{"speaker":"Alan Smith","startTime":1841.8899999999999,"endTime":1844.68,"body":"hang out with, we all know this,"},{"speaker":"Alan Smith","startTime":1844.68,"endTime":1848.8799999999999,"body":"they get this, they deliver it"},{"speaker":"Alan Smith","startTime":1844.68,"endTime":1848.8799999999999,"body":"to clients. It never ceases to"},{"speaker":"Alan Smith","startTime":1848.8799999999999,"endTime":1851.79,"body":"amaze me that without a plan,"},{"speaker":"Alan Smith","startTime":1848.8799999999999,"endTime":1851.79,"body":"you don't know how to invest is"},{"speaker":"Alan Smith","startTime":1851.79,"endTime":1855.6599999999999,"body":"the whole point. How can you"},{"speaker":"Alan Smith","startTime":1851.79,"endTime":1855.6599999999999,"body":"possibly you because the plan is"},{"speaker":"Alan Smith","startTime":1855.6599999999999,"endTime":1857.76,"body":"about the direction of travel"},{"speaker":"Alan Smith","startTime":1855.6599999999999,"endTime":1857.76,"body":"you're headed in? And the"},{"speaker":"Alan Smith","startTime":1857.76,"endTime":1861.3,"body":"timescales and all that other"},{"speaker":"Alan Smith","startTime":1857.76,"endTime":1861.3,"body":"stuff. So to do it without you"},{"speaker":"Alan Smith","startTime":1861.3,"endTime":1864.27,"body":"to invest without it. It's just"},{"speaker":"Alan Smith","startTime":1861.3,"endTime":1864.27,"body":"a complete and utter nonsense."},{"speaker":"Alan Smith","startTime":1864.27,"endTime":1867.18,"body":"It's brilliant. It's putting the"},{"speaker":"Alan Smith","startTime":1864.27,"endTime":1867.18,"body":"cart before the horse. And it's"},{"speaker":"Alan Smith","startTime":1867.18,"endTime":1870.12,"body":"Yeah, but that's just so"},{"speaker":"Alan Smith","startTime":1867.18,"endTime":1870.12,"body":"blatantly obvious to us."},{"speaker":"Carl Widger","startTime":1870.18,"endTime":1872.8799999999999,"body":"Yeah, I suppose we"},{"speaker":"Carl Widger","startTime":1870.18,"endTime":1872.8799999999999,"body":"all know that. And that's,"},{"speaker":"Carl Widger","startTime":1872.9099999999999,"endTime":1876.03,"body":"that's we have to be careful of"},{"speaker":"Carl Widger","startTime":1872.9099999999999,"endTime":1876.03,"body":"being in an echo chamber as"},{"speaker":"Carl Widger","startTime":1876.03,"endTime":1879.99,"body":"well, right, that we're just"},{"speaker":"Carl Widger","startTime":1876.03,"endTime":1879.99,"body":"repeating the stuff but so can I"},{"speaker":"Carl Widger","startTime":1879.99,"endTime":1883.83,"body":"just ask the question then, and"},{"speaker":"Carl Widger","startTime":1879.99,"endTime":1883.83,"body":"already are were rules, and"},{"speaker":"Carl Widger","startTime":1883.83,"endTime":1886.56,"body":"everyone had to abide by the"},{"speaker":"Carl Widger","startTime":1883.83,"endTime":1886.56,"body":"rules, whereas the consumer duty"},{"speaker":"Carl Widger","startTime":1886.56,"endTime":1892.62,"body":"is guidance, like how, yeah, so"},{"speaker":"Carl Widger","startTime":1886.56,"endTime":1892.62,"body":"guidances? So that's, yeah,"},{"speaker":"Carl Widger","startTime":1892.6499999999999,"endTime":1893.73,"body":"that's pretty what"},{"speaker":"Alan Smith","startTime":1893.73,"endTime":1895.98,"body":"is guidance, but"},{"speaker":"Alan Smith","startTime":1893.73,"endTime":1895.98,"body":"there's actually the FCA is,"},{"speaker":"Alan Smith","startTime":1896.34,"endTime":1899.97,"body":"they have shown their teeth a"},{"speaker":"Alan Smith","startTime":1896.34,"endTime":1899.97,"body":"bit early on, I think they focus"},{"speaker":"Alan Smith","startTime":1899.97,"endTime":1903.6,"body":"initially is around the asset"},{"speaker":"Alan Smith","startTime":1899.97,"endTime":1903.6,"body":"management space. Yeah, and"},{"speaker":"Alan Smith","startTime":1903.6,"endTime":1906.3899999999999,"body":"value for money and all this"},{"speaker":"Alan Smith","startTime":1903.6,"endTime":1906.3899999999999,"body":"sort of thing. But you know, it"},{"speaker":"Alan Smith","startTime":1906.3899999999999,"endTime":1911.07,"body":"is, it is well known. I think I"},{"speaker":"Alan Smith","startTime":1906.3899999999999,"endTime":1911.07,"body":"saw Liang cat tweeting out the"},{"speaker":"Alan Smith","startTime":1911.07,"endTime":1914.28,"body":"other day about the feels that"},{"speaker":"Alan Smith","startTime":1911.07,"endTime":1914.28,"body":"this year this year is when the"},{"speaker":"Alan Smith","startTime":1914.28,"endTime":1916.11,"body":"regulator is really going to"},{"speaker":"Alan Smith","startTime":1914.28,"endTime":1916.11,"body":"begin to focus on the"},{"speaker":"Alan Smith","startTime":1916.11,"endTime":1919.3799999999999,"body":"intermediary market. And the"},{"speaker":"Alan Smith","startTime":1916.11,"endTime":1919.3799999999999,"body":"expectations. I don't think that"},{"speaker":"Alan Smith","startTime":1919.3799999999999,"endTime":1922.53,"body":"can ever say you must deliver"},{"speaker":"Alan Smith","startTime":1919.3799999999999,"endTime":1922.53,"body":"cash flow model. And I think"},{"speaker":"Alan Smith","startTime":1922.53,"endTime":1925.92,"body":"that's not their their remit."},{"speaker":"Alan Smith","startTime":1922.53,"endTime":1925.92,"body":"But they will say this is what"},{"speaker":"Alan Smith","startTime":1925.92,"endTime":1929.58,"body":"we would expect to have. But"},{"speaker":"Alan Smith","startTime":1925.92,"endTime":1929.58,"body":"yeah, RDR was you have to be"},{"speaker":"Alan Smith","startTime":1929.58,"endTime":1932.3999999999999,"body":"certain level of qualifications,"},{"speaker":"Alan Smith","startTime":1929.58,"endTime":1932.3999999999999,"body":"you know, commission was banned,"},{"speaker":"Alan Smith","startTime":1932.73,"endTime":1936.12,"body":"et cetera, that was pretty much"},{"speaker":"Alan Smith","startTime":1932.73,"endTime":1936.12,"body":"you know, a legal regulatory"},{"speaker":"Alan Smith","startTime":1936.12,"endTime":1940.05,"body":"type thing. This is more a value"},{"speaker":"Alan Smith","startTime":1936.12,"endTime":1940.05,"body":"for money direction of travel,"},{"speaker":"Alan Smith","startTime":1940.3799999999999,"endTime":1943.4099999999999,"body":"that we're going to head in but"},{"speaker":"Alan Smith","startTime":1940.3799999999999,"endTime":1943.4099999999999,"body":"you write me first on a huge"},{"speaker":"Alan Smith","startTime":1943.4099999999999,"endTime":1946.2,"body":"notice a small firm that"},{"speaker":"Alan Smith","startTime":1943.4099999999999,"endTime":1946.2,"body":"multibillion their private"},{"speaker":"Alan Smith","startTime":1946.2,"endTime":1950.76,"body":"equity backed national company"},{"speaker":"Alan Smith","startTime":1946.2,"endTime":1950.76,"body":"that I think of in Ireland"},{"speaker":"Alan Smith","startTime":1950.76,"endTime":1951.96,"body":"actually cut Yeah, they've"},{"speaker":"Carl Widger","startTime":1951.96,"endTime":1954.45,"body":"they've they bought"},{"speaker":"Carl Widger","startTime":1951.96,"endTime":1954.45,"body":"a firm in Ireland last year. And"},{"speaker":"Carl Widger","startTime":1954.45,"endTime":1958.29,"body":"they've recently rolled out a"},{"speaker":"Carl Widger","startTime":1954.45,"endTime":1958.29,"body":"new, some kind of buyout option,"},{"speaker":"Carl Widger","startTime":1958.29,"endTime":1962.79,"body":"but it's read the press release."},{"speaker":"Carl Widger","startTime":1958.29,"endTime":1962.79,"body":"And it said for for firms who"},{"speaker":"Carl Widger","startTime":1962.79,"endTime":1967.56,"body":"are uninterested in a buyout"},{"speaker":"Carl Widger","startTime":1962.79,"endTime":1967.56,"body":"now. And so but I'm sure they've"},{"speaker":"Carl Widger","startTime":1967.59,"endTime":1970.95,"body":"they've all those details mapped"},{"speaker":"Carl Widger","startTime":1967.59,"endTime":1970.95,"body":"out. And I think that the the"},{"speaker":"Carl Widger","startTime":1970.95,"endTime":1973.8,"body":"model they're using here in"},{"speaker":"Carl Widger","startTime":1970.95,"endTime":1973.8,"body":"Ireland, is what they've"},{"speaker":"Carl Widger","startTime":1973.8,"endTime":1977.04,"body":"already, they've already done in"},{"speaker":"Carl Widger","startTime":1973.8,"endTime":1977.04,"body":"the UK. So yeah, it'll be it'll"},{"speaker":"Carl Widger","startTime":1977.04,"endTime":1981.12,"body":"be certainly interesting to see"},{"speaker":"Carl Widger","startTime":1977.04,"endTime":1981.12,"body":"what level of consolidation that"},{"speaker":"Carl Widger","startTime":1981.12,"endTime":1987.42,"body":"brings, but again, makes me"},{"speaker":"Carl Widger","startTime":1981.12,"endTime":1987.42,"body":"slightly pleased because that"},{"speaker":"Carl Widger","startTime":1987.42,"endTime":1991.53,"body":"means there'll be more firms who"},{"speaker":"Carl Widger","startTime":1987.42,"endTime":1991.53,"body":"will be under the ownership of a"},{"speaker":"Carl Widger","startTime":1991.53,"endTime":1996.99,"body":"foreign investor, as opposed to"},{"speaker":"Carl Widger","startTime":1991.53,"endTime":1996.99,"body":"be totally Irish owned. Anyway."},{"speaker":"Carl Widger","startTime":1997.44,"endTime":1998.1299999999999,"body":"Move on."},{"speaker":"Nick Lincoln","startTime":1998.97,"endTime":2002.69,"body":"Oh, he skirted it."},{"speaker":"Nick Lincoln","startTime":1998.97,"endTime":2002.69,"body":"He's scared. Hold on one. Voice."},{"speaker":"Nick Lincoln","startTime":2003.29,"endTime":2007.34,"body":"Okay. Final topical tip. We've"},{"speaker":"Nick Lincoln","startTime":2003.29,"endTime":2007.34,"body":"got Jesus Christ. 33 minutes in"},{"speaker":"Nick Lincoln","startTime":2007.34,"endTime":2010.37,"body":"and 14 heart attacks. Mr. Hart"},{"speaker":"Nick Lincoln","startTime":2007.34,"endTime":2010.37,"body":"timeline."},{"speaker":"Andy Hart","startTime":2012.2,"endTime":2014.27,"body":"Yeah, so there's a"},{"speaker":"Andy Hart","startTime":2012.2,"endTime":2014.27,"body":"couple of points here a story"},{"speaker":"Andy Hart","startTime":2014.27,"endTime":2019.9099999999999,"body":"came out last week about the top"},{"speaker":"Andy Hart","startTime":2014.27,"endTime":2019.9099999999999,"body":"recommended is de facto listed"},{"speaker":"Andy Hart","startTime":2019.9099999999999,"endTime":2024.8899999999999,"body":"the top recommended MPs is so"},{"speaker":"Andy Hart","startTime":2019.9099999999999,"endTime":2024.8899999999999,"body":"model portfolio services. So"},{"speaker":"Andy Hart","startTime":2071.3,"endTime":2074.63,"body":"first shout out is to our good"},{"speaker":"Andy Hart","startTime":2071.3,"endTime":2074.63,"body":"friend Abraham, our concern Yo,"},{"speaker":"Andy Hart","startTime":2075.8,"endTime":2079.43,"body":"brother from another mother in"},{"speaker":"Andy Hart","startTime":2075.8,"endTime":2079.43,"body":"mind. He was number one, the"},{"speaker":"Andy Hart","startTime":2079.43,"endTime":2086.15,"body":"timeline classic 50 was the most"},{"speaker":"Andy Hart","startTime":2079.43,"endTime":2086.15,"body":"recommended NPS fund for"},{"speaker":"Andy Hart","startTime":2086.15,"endTime":2089.36,"body":"clients. So congratulations to"},{"speaker":"Andy Hart","startTime":2086.15,"endTime":2089.36,"body":"him, I think they've just"},{"speaker":"Andy Hart","startTime":2089.39,"endTime":2093.02,"body":"breached 4 billion assets under"},{"speaker":"Andy Hart","startTime":2089.39,"endTime":2093.02,"body":"management. So that's a story in"},{"speaker":"Andy Hart","startTime":2093.02,"endTime":2095.75,"body":"itself. And then below that,"},{"speaker":"Andy Hart","startTime":2093.02,"endTime":2095.75,"body":"you've got a there's a link in"},{"speaker":"Andy Hart","startTime":2095.75,"endTime":2098.27,"body":"the show notes, you've got Bruin"},{"speaker":"Andy Hart","startTime":2095.75,"endTime":2098.27,"body":"dolphin waves and various other"},{"speaker":"Andy Hart","startTime":2098.27,"endTime":2101.21,"body":"people. But the thing that's"},{"speaker":"Andy Hart","startTime":2098.27,"endTime":2101.21,"body":"somewhat concerning is the"},{"speaker":"Andy Hart","startTime":2101.21,"endTime":2105.98,"body":"amount of fixed interest and the"},{"speaker":"Andy Hart","startTime":2101.21,"endTime":2105.98,"body":"lack of, you know, a major tilt"},{"speaker":"Andy Hart","startTime":2105.98,"endTime":2108.53,"body":"towards global equities, which"},{"speaker":"Andy Hart","startTime":2105.98,"endTime":2108.53,"body":"is obviously something I bang on"},{"speaker":"Andy Hart","startTime":2108.53,"endTime":2111.11,"body":"about which is also something"},{"speaker":"Andy Hart","startTime":2108.53,"endTime":2111.11,"body":"that we bang on about on the"},{"speaker":"Andy Hart","startTime":2111.11,"endTime":2116.78,"body":"show quite a bit. So the"},{"speaker":"Andy Hart","startTime":2111.11,"endTime":2116.78,"body":"frequent sort of descriptive"},{"speaker":"Andy Hart","startTime":2116.78,"endTime":2120.83,"body":"terms, you know, show up"},{"speaker":"Andy Hart","startTime":2116.78,"endTime":2120.83,"body":"balanced growth, growth,"},{"speaker":"Andy Hart","startTime":2120.83,"endTime":2124.46,"body":"balanced income and growth"},{"speaker":"Andy Hart","startTime":2120.83,"endTime":2124.46,"body":"balance balance seems to be the"},{"speaker":"Andy Hart","startTime":2124.52,"endTime":2127.8199999999997,"body":"name of the game but yeah, so"},{"speaker":"Andy Hart","startTime":2124.52,"endTime":2127.8199999999997,"body":"there's a lot of money moving"},{"speaker":"Andy Hart","startTime":2127.8199999999997,"endTime":2129.83,"body":"towards these MPs solutions."},{"speaker":"Carl Widger","startTime":2130.58,"endTime":2132.89,"body":"So you can ask I"},{"speaker":"Carl Widger","startTime":2130.58,"endTime":2132.89,"body":"can ask a question on that Andy."},{"speaker":"Carl Widger","startTime":2133.13,"endTime":2136.22,"body":"Go for it. I know Abraham"},{"speaker":"Carl Widger","startTime":2133.13,"endTime":2136.22,"body":"Abraham spoke before me if"},{"speaker":"Carl Widger","startTime":2136.22,"endTime":2139.16,"body":"humans under management and"},{"speaker":"Carl Widger","startTime":2136.22,"endTime":2139.16,"body":"these layers went alright the"},{"speaker":"Carl Widger","startTime":2139.16,"endTime":2141.77,"body":"financial comedian went first I"},{"speaker":"Carl Widger","startTime":2139.16,"endTime":2141.77,"body":"know you're putting me on he's a"},{"speaker":"Carl Widger","startTime":2141.77,"endTime":2144.92,"body":"great guy. I just really"},{"speaker":"Carl Widger","startTime":2141.77,"endTime":2144.92,"body":"thoroughly enjoyed his his"},{"speaker":"Carl Widger","startTime":2144.92,"endTime":2149.21,"body":"company full of just timeline."},{"speaker":"Carl Widger","startTime":2144.92,"endTime":2149.21,"body":"Yeah, follow me he's just he's"},{"speaker":"Carl Widger","startTime":2149.21,"endTime":2152.27,"body":"just a great guy to be around."},{"speaker":"Carl Widger","startTime":2149.21,"endTime":2152.27,"body":"What does timeline do is"},{"speaker":"Carl Widger","startTime":2152.27,"endTime":2156.41,"body":"timeline a platform and then"},{"speaker":"Carl Widger","startTime":2152.27,"endTime":2156.41,"body":"they also do then portfolios are"},{"speaker":"Carl Widger","startTime":2157.31,"endTime":2159.89,"body":"so maybe answer that for me."},{"speaker":"Carl Widger","startTime":2157.31,"endTime":2159.89,"body":"Somebody please."},{"speaker":"Andy Hart","startTime":2160.22,"endTime":2162.38,"body":"They're not a plan."},{"speaker":"Andy Hart","startTime":2160.22,"endTime":2162.38,"body":"They have they're"},{"speaker":"Alan Smith","startTime":2162.38,"endTime":2165.83,"body":"just to keep Nick on"},{"speaker":"Alan Smith","startTime":2162.38,"endTime":2165.83,"body":"track. Yeah, well, the art Well,"},{"speaker":"Alan Smith","startTime":2166.3399999999997,"endTime":2171.74,"body":"full disclosure, Andy and I both"},{"speaker":"Alan Smith","startTime":2166.3399999999997,"endTime":2171.74,"body":"investors in it. So it was"},{"speaker":"Alan Smith","startTime":2171.74,"endTime":2175.58,"body":"originally two different"},{"speaker":"Alan Smith","startTime":2171.74,"endTime":2175.58,"body":"companies. There was timeline"},{"speaker":"Alan Smith","startTime":2175.6099999999997,"endTime":2181.3399999999997,"body":"which was effectively a cash"},{"speaker":"Alan Smith","startTime":2175.6099999999997,"endTime":2181.3399999999997,"body":"flow modeling system that"},{"speaker":"Alan Smith","startTime":2181.37,"endTime":2184.25,"body":"evolved away from the"},{"speaker":"Alan Smith","startTime":2181.37,"endTime":2184.25,"body":"traditional linear type cash"},{"speaker":"Alan Smith","startTime":2184.25,"endTime":2187.16,"body":"flows and was much more kind of"},{"speaker":"Alan Smith","startTime":2184.25,"endTime":2187.16,"body":"using a more complex"},{"speaker":"Alan Smith","startTime":2187.16,"endTime":2190.79,"body":"methodology, but sort of as a"},{"speaker":"Alan Smith","startTime":2187.16,"endTime":2190.79,"body":"cash flow type. And then the"},{"speaker":"Alan Smith","startTime":2190.79,"endTime":2194.2999999999997,"body":"built onto it kind of onboarding"},{"speaker":"Alan Smith","startTime":2190.79,"endTime":2194.2999999999997,"body":"tools, Client Onboarding. So you"},{"speaker":"Alan Smith","startTime":2194.2999999999997,"endTime":2197.15,"body":"can ask clients information. And"},{"speaker":"Alan Smith","startTime":2194.2999999999997,"endTime":2197.15,"body":"the whole thing is designed to"},{"speaker":"Alan Smith","startTime":2197.15,"endTime":2200.5699999999997,"body":"be a seamless kind of end to end"},{"speaker":"Alan Smith","startTime":2197.15,"endTime":2200.5699999999997,"body":"process. There was a separate"},{"speaker":"Alan Smith","startTime":2200.5699999999997,"endTime":2204.1099999999997,"body":"company called betta folio,"},{"speaker":"Alan Smith","startTime":2200.5699999999997,"endTime":2204.1099999999997,"body":"which was effective as NPS thing"},{"speaker":"Alan Smith","startTime":2204.1099999999997,"endTime":2206.48,"body":"but they've merged them"},{"speaker":"Alan Smith","startTime":2204.1099999999997,"endTime":2206.48,"body":"together. So is it now one of"},{"speaker":"Alan Smith","startTime":2206.48,"endTime":2208.91,"body":"the same thing? So I think,"},{"speaker":"Alan Smith","startTime":2206.48,"endTime":2208.91,"body":"ultimately, I don't know if you"},{"speaker":"Alan Smith","startTime":2208.91,"endTime":2211.52,"body":"know, but in the States, they've"},{"speaker":"Alan Smith","startTime":2208.91,"endTime":2211.52,"body":"got these this idea of tamps,"},{"speaker":"Alan Smith","startTime":2211.5499999999997,"endTime":2214.97,"body":"turnkey asset management"},{"speaker":"Alan Smith","startTime":2211.5499999999997,"endTime":2214.97,"body":"programs. So it's a kind of soup"},{"speaker":"Alan Smith","startTime":2214.97,"endTime":2217.37,"body":"to nuts. They're the type from"},{"speaker":"Alan Smith","startTime":2214.97,"endTime":2217.37,"body":"the first time you meet a"},{"speaker":"Alan Smith","startTime":2217.37,"endTime":2221.0,"body":"prospective client, all the sort"},{"speaker":"Alan Smith","startTime":2217.37,"endTime":2221.0,"body":"of regulatory staff onboarding,"},{"speaker":"Alan Smith","startTime":2221.0,"endTime":2225.02,"body":"risk, profiling, cetera, et"},{"speaker":"Alan Smith","startTime":2221.0,"endTime":2225.02,"body":"cetera. And then the managing"},{"speaker":"Alan Smith","startTime":2225.0499999999997,"endTime":2229.22,"body":"the money where they haven't got"},{"speaker":"Alan Smith","startTime":2225.0499999999997,"endTime":2229.22,"body":"yet is a platform. So monies are"},{"speaker":"Alan Smith","startTime":2229.22,"endTime":2232.43,"body":"held on third party platforms,"},{"speaker":"Alan Smith","startTime":2229.22,"endTime":2232.43,"body":"the usual traditional usual"},{"speaker":"Alan Smith","startTime":2232.43,"endTime":2235.6099999999997,"body":"suspects, but I can see them"},{"speaker":"Alan Smith","startTime":2232.43,"endTime":2235.6099999999997,"body":"heading towards sort of creating"},{"speaker":"Alan Smith","startTime":2235.6099999999997,"endTime":2238.0699999999997,"body":"their own platform as well in"},{"speaker":"Alan Smith","startTime":2235.6099999999997,"endTime":2238.0699999999997,"body":"due course, but it's clearly a"},{"speaker":"Alan Smith","startTime":2238.0699999999997,"endTime":2241.3399999999997,"body":"very, very attractive"},{"speaker":"Alan Smith","startTime":2238.0699999999997,"endTime":2241.3399999999997,"body":"proposition. And a lot of"},{"speaker":"Alan Smith","startTime":2241.3399999999997,"endTime":2243.74,"body":"advisors are using it for"},{"speaker":"Alan Smith","startTime":2241.3399999999997,"endTime":2243.74,"body":"billion assets under management"},{"speaker":"Alan Smith","startTime":2243.74,"endTime":2247.13,"body":"so far, I met with him the other"},{"speaker":"Alan Smith","startTime":2243.74,"endTime":2247.13,"body":"day. And I think I don't think"},{"speaker":"Alan Smith","startTime":2247.13,"endTime":2250.22,"body":"this is any secret, I think this"},{"speaker":"Alan Smith","startTime":2247.13,"endTime":2250.22,"body":"is publicly disclosed that they"},{"speaker":"Alan Smith","startTime":2250.22,"endTime":2252.89,"body":"will be on track to head towards"},{"speaker":"Alan Smith","startTime":2250.22,"endTime":2252.89,"body":"something like 8 billion by the"},{"speaker":"Alan Smith","startTime":2252.89,"endTime":2256.8199999999997,"body":"end of this year, which is"},{"speaker":"Alan Smith","startTime":2252.89,"endTime":2256.8199999999997,"body":"extraordinary, really is. Yeah,"},{"speaker":"Nick Lincoln","startTime":2257.2999999999997,"endTime":2258.89,"body":"the timeline past"},{"speaker":"Andy Hart","startTime":2258.89,"endTime":2261.98,"body":"him, but I'm pretty"},{"speaker":"Andy Hart","startTime":2258.89,"endTime":2261.98,"body":"sure he's not going to launch a"},{"speaker":"Andy Hart","startTime":2261.98,"endTime":2265.4,"body":"platform. But as I say, we put"},{"speaker":"Andy Hart","startTime":2261.98,"endTime":2265.4,"body":"anything past him. Go Nick."},{"speaker":"Nick Lincoln","startTime":2267.2599999999998,"endTime":2270.02,"body":"The timeline"},{"speaker":"Nick Lincoln","startTime":2267.2599999999998,"endTime":2270.02,"body":"classic 50. Is that 50%"},{"speaker":"Nick Lincoln","startTime":2270.02,"endTime":2271.43,"body":"equities? 50% bonds."},{"speaker":"Andy Hart","startTime":2272.8399999999997,"endTime":2275.2999999999997,"body":"Yeah, I mean, so"},{"speaker":"Andy Hart","startTime":2272.8399999999997,"endTime":2275.2999999999997,"body":"again, congratulations to them"},{"speaker":"Andy Hart","startTime":2275.2999999999997,"endTime":2278.96,"body":"for clearly, you know, naming it"},{"speaker":"Andy Hart","startTime":2275.2999999999997,"endTime":2278.96,"body":"correct. Yeah. Because balanced"},{"speaker":"Andy Hart","startTime":2278.99,"endTime":2282.02,"body":"growth means nothing, at least"},{"speaker":"Andy Hart","startTime":2278.99,"endTime":2282.02,"body":"the timeline. 50 years 50%"},{"speaker":"Andy Hart","startTime":2282.02,"endTime":2285.5299999999997,"body":"global equities. Yeah, so the"},{"speaker":"Andy Hart","startTime":2282.02,"endTime":2285.5299999999997,"body":"timeline, classic 100 would be"},{"speaker":"Andy Hart","startTime":2285.5299999999997,"endTime":2288.56,"body":"obviously 100% global equity. So"},{"speaker":"Andy Hart","startTime":2285.5299999999997,"endTime":2288.56,"body":"yeah, they've framed the"},{"speaker":"Andy Hart","startTime":2288.56,"endTime":2289.79,"body":"portfolios correctly."},{"speaker":"Nick Lincoln","startTime":2291.83,"endTime":2293.8399999999997,"body":"Okay, great stuff."},{"speaker":"Nick Lincoln","startTime":2291.83,"endTime":2293.8399999999997,"body":"Okay. Thank you, gentlemen."},{"speaker":"Nick Lincoln","startTime":2293.8399999999997,"endTime":2298.1,"body":"We're at 37 minutes in somehow."},{"speaker":"Nick Lincoln","startTime":2293.8399999999997,"endTime":2298.1,"body":"And we've done the typical trip."},{"speaker":"Nick Lincoln","startTime":2298.1,"endTime":2300.74,"body":"It's a good a good day with"},{"speaker":"Nick Lincoln","startTime":2298.1,"endTime":2300.74,"body":"thrashing. I think it's time to"},{"speaker":"Nick Lincoln","startTime":2300.74,"endTime":2303.23,"body":"move on to the meat and potatoes"},{"speaker":"Nick Lincoln","startTime":2300.74,"endTime":2303.23,"body":"of the show, which we haven't"},{"speaker":"Nick Lincoln","startTime":2303.23,"endTime":2306.8599999999997,"body":"even discussed in our pre"},{"speaker":"Nick Lincoln","startTime":2303.23,"endTime":2306.8599999999997,"body":"meeting rambles. And I don't"},{"speaker":"Nick Lincoln","startTime":2306.8599999999997,"endTime":2308.54,"body":"know who's leading off on this."},{"speaker":"Nick Lincoln","startTime":2306.8599999999997,"endTime":2308.54,"body":"I don't know what the hell is"},{"speaker":"Nick Lincoln","startTime":2308.54,"endTime":2310.13,"body":"going to happen to be honest"},{"speaker":"Nick Lincoln","startTime":2308.54,"endTime":2310.13,"body":"with you that will take is being"},{"speaker":"Nick Lincoln","startTime":2310.13,"endTime":2314.87,"body":"held together with elastoplast"},{"speaker":"Nick Lincoln","startTime":2310.13,"endTime":2314.87,"body":"and plasticine. But I think it's"},{"speaker":"Nick Lincoln","startTime":2314.87,"endTime":2315.65,"body":"personal learning"},{"speaker":"Carl Widger","startTime":2315.68,"endTime":2318.41,"body":"about a whole the"},{"speaker":"Carl Widger","startTime":2315.68,"endTime":2318.41,"body":"whole tech is just not working"},{"speaker":"Carl Widger","startTime":2318.41,"endTime":2321.5299999999997,"body":"today and it's stressing Nick"},{"speaker":"Carl Widger","startTime":2318.41,"endTime":2321.5299999999997,"body":"out. So apologies for some"},{"speaker":"Carl Widger","startTime":2321.5299999999997,"endTime":2327.44,"body":"delays and all like me. It's"},{"speaker":"Carl Widger","startTime":2321.5299999999997,"endTime":2327.44,"body":"given me a great laugh there"},{"speaker":"Carl Widger","startTime":2327.44,"endTime":2327.92,"body":"comes over"},{"speaker":"Nick Lincoln","startTime":2327.92,"endTime":2331.46,"body":"talking is the"},{"speaker":"Nick Lincoln","startTime":2327.92,"endTime":2331.46,"body":"TRAPPIST I apologize the amount"},{"speaker":"Nick Lincoln","startTime":2331.46,"endTime":2333.62,"body":"of over talking today that we"},{"speaker":"Nick Lincoln","startTime":2331.46,"endTime":2333.62,"body":"have got technical issues which"},{"speaker":"Nick Lincoln","startTime":2333.62,"endTime":2336.23,"body":"account for some of it, some"},{"speaker":"Nick Lincoln","startTime":2333.62,"endTime":2336.23,"body":"it's just down to us correctness"},{"speaker":"Nick Lincoln","startTime":2336.23,"endTime":2341.8399999999997,"body":"trap. So personal development,"},{"speaker":"Nick Lincoln","startTime":2336.23,"endTime":2341.8399999999997,"body":"who wants to lead off on this?"},{"speaker":"Unknown","startTime":2343.94,"endTime":2345.74,"body":"I'll give it a go. If"},{"speaker":"Unknown","startTime":2343.94,"endTime":2345.74,"body":"you"},{"speaker":"Nick Lincoln","startTime":2345.74,"endTime":2347.66,"body":"like quite safe"},{"speaker":"Nick Lincoln","startTime":2345.74,"endTime":2347.66,"body":"around the new crack on Thank"},{"speaker":"Nick Lincoln","startTime":2347.66,"endTime":2347.8399999999997,"body":"you."},{"speaker":"Alan Smith","startTime":2348.14,"endTime":2350.6,"body":"All right now can"},{"speaker":"Alan Smith","startTime":2348.14,"endTime":2350.6,"body":"you go to easy answers and come"},{"speaker":"Alan Smith","startTime":2350.6,"endTime":2351.47,"body":"on cheeky get"},{"speaker":"Andy Hart","startTime":2352.2799999999997,"endTime":2354.38,"body":"if anyone wants to"},{"speaker":"Andy Hart","startTime":2352.2799999999997,"endTime":2354.38,"body":"ask a question, Allah will"},{"speaker":"Andy Hart","startTime":2354.38,"endTime":2356.87,"body":"answer it, right? Come on."},{"speaker":"Alan Smith","startTime":2364.8199999999997,"endTime":2370.0099999999998,"body":"Listen, we've had"},{"speaker":"Alan Smith","startTime":2364.8199999999997,"endTime":2370.0099999999998,"body":"trapeze, get in touch in the"},{"speaker":"Alan Smith","startTime":2370.0099999999998,"endTime":2371.69,"body":"past and see because we're"},{"speaker":"Alan Smith","startTime":2370.0099999999998,"endTime":2371.69,"body":"always talking about in the"},{"speaker":"Alan Smith","startTime":2371.69,"endTime":2373.97,"body":"culture, corner books, we've"},{"speaker":"Alan Smith","startTime":2371.69,"endTime":2373.97,"body":"read podcast, blah, blah, blah."},{"speaker":"Alan Smith","startTime":2373.97,"endTime":2377.27,"body":"So we all the four of us seem to"},{"speaker":"Alan Smith","startTime":2373.97,"endTime":2377.27,"body":"be, you know, consumers of"},{"speaker":"Alan Smith","startTime":2377.27,"endTime":2382.04,"body":"information, knowledge, et"},{"speaker":"Alan Smith","startTime":2377.27,"endTime":2382.04,"body":"cetera. And so we thought we'd"},{"speaker":"Alan Smith","startTime":2382.04,"endTime":2384.77,"body":"share with August, sort of"},{"speaker":"Alan Smith","startTime":2382.04,"endTime":2384.77,"body":"slightly different techniques,"},{"speaker":"Alan Smith","startTime":2384.77,"endTime":2387.56,"body":"we all sort of absorb"},{"speaker":"Alan Smith","startTime":2384.77,"endTime":2387.56,"body":"information differently. But I"},{"speaker":"Alan Smith","startTime":2387.56,"endTime":2390.2,"body":"think for certain it's, I think"},{"speaker":"Alan Smith","startTime":2387.56,"endTime":2390.2,"body":"it's one of the most important"},{"speaker":"Alan Smith","startTime":2390.2,"endTime":2393.44,"body":"things you can do in business,"},{"speaker":"Alan Smith","startTime":2390.2,"endTime":2393.44,"body":"or life in general is to be an"},{"speaker":"Alan Smith","startTime":2393.44,"endTime":2396.62,"body":"eternal student, keep learning,"},{"speaker":"Alan Smith","startTime":2393.44,"endTime":2396.62,"body":"keep listening, keep watching."},{"speaker":"Alan Smith","startTime":2397.0099999999998,"endTime":2399.2599999999998,"body":"And so we thought we'd share"},{"speaker":"Alan Smith","startTime":2397.0099999999998,"endTime":2399.2599999999998,"body":"some of the ideas I just said,"},{"speaker":"Alan Smith","startTime":2399.29,"endTime":2403.04,"body":"just run through quickly some of"},{"speaker":"Alan Smith","startTime":2399.29,"endTime":2403.04,"body":"the technology that I use. I'm"},{"speaker":"Alan Smith","startTime":2403.04,"endTime":2407.12,"body":"not a book, a book listener, I"},{"speaker":"Alan Smith","startTime":2403.04,"endTime":2407.12,"body":"don't use Audible have had it in"},{"speaker":"Alan Smith","startTime":2407.12,"endTime":2410.99,"body":"the past, I don't absorb"},{"speaker":"Alan Smith","startTime":2407.12,"endTime":2410.99,"body":"information in books very well,"},{"speaker":"Alan Smith","startTime":2410.99,"endTime":2413.9,"body":"through listening podcasts are"},{"speaker":"Alan Smith","startTime":2410.99,"endTime":2413.9,"body":"okay, because the more sort of"},{"speaker":"Alan Smith","startTime":2413.9,"endTime":2416.48,"body":"conversational, the books were"},{"speaker":"Alan Smith","startTime":2413.9,"endTime":2416.48,"body":"the same. But the interesting"},{"speaker":"Alan Smith","startTime":2416.48,"endTime":2421.52,"body":"things that I want to remember,"},{"speaker":"Alan Smith","startTime":2416.48,"endTime":2421.52,"body":"it's much harder to do in a in"},{"speaker":"Alan Smith","startTime":2421.52,"endTime":2425.93,"body":"an audible version. So I use"},{"speaker":"Alan Smith","startTime":2421.52,"endTime":2425.93,"body":"Kindle. And I've got a"},{"speaker":"Alan Smith","startTime":2425.96,"endTime":2432.08,"body":"standalone Kindle, that the app"},{"speaker":"Alan Smith","startTime":2425.96,"endTime":2432.08,"body":"is also on my phone. And I read"},{"speaker":"Alan Smith","startTime":2432.08,"endTime":2435.89,"body":"books that way at any given"},{"speaker":"Alan Smith","startTime":2432.08,"endTime":2435.89,"body":"time, I must have like 1015 20"},{"speaker":"Alan Smith","startTime":2435.89,"endTime":2441.17,"body":"books backed up to read. And as"},{"speaker":"Alan Smith","startTime":2435.89,"endTime":2441.17,"body":"I read them, I highlight things"},{"speaker":"Alan Smith","startTime":2441.17,"endTime":2444.2,"body":"there's often a sentence or a"},{"speaker":"Alan Smith","startTime":2441.17,"endTime":2444.2,"body":"paragraph. I think that is"},{"speaker":"Alan Smith","startTime":2444.2,"endTime":2446.5699999999997,"body":"really profound. That's"},{"speaker":"Alan Smith","startTime":2444.2,"endTime":2446.5699999999997,"body":"interesting. I could use that"},{"speaker":"Alan Smith","startTime":2446.5699999999997,"endTime":2451.58,"body":"again, super helpful. But what"},{"speaker":"Alan Smith","startTime":2446.5699999999997,"endTime":2451.58,"body":"you find is you never go back to"},{"speaker":"Alan Smith","startTime":2451.58,"endTime":2454.04,"body":"it. You never listened to you"},{"speaker":"Alan Smith","startTime":2451.58,"endTime":2454.04,"body":"never sort of remember ever"},{"speaker":"Alan Smith","startTime":2454.04,"endTime":2457.49,"body":"again. Probably so I was very"},{"speaker":"Alan Smith","startTime":2454.04,"endTime":2457.49,"body":"pleased couple of years ago to"},{"speaker":"Alan Smith","startTime":2457.49,"endTime":2460.79,"body":"find an app called Read wise."},{"speaker":"Alan Smith","startTime":2457.49,"endTime":2460.79,"body":"I'm not going to mention Nick as"},{"speaker":"Alan Smith","startTime":2460.79,"endTime":2463.31,"body":"well, because you've sort of got"},{"speaker":"Alan Smith","startTime":2460.79,"endTime":2463.31,"body":"into it again recently. So we"},{"speaker":"Alan Smith","startTime":2463.31,"endTime":2467.3599999999997,"body":"read wise, is an app that"},{"speaker":"Alan Smith","startTime":2463.31,"endTime":2467.3599999999997,"body":"connects to your Kindle connects"},{"speaker":"Alan Smith","startTime":2467.3599999999997,"endTime":2471.1099999999997,"body":"that pretty much anything, you"},{"speaker":"Alan Smith","startTime":2467.3599999999997,"endTime":2471.1099999999997,"body":"know, Google books or even you"},{"speaker":"Alan Smith","startTime":2471.1099999999997,"endTime":2475.0699999999997,"body":"know, social media tweets and"},{"speaker":"Alan Smith","startTime":2471.1099999999997,"endTime":2475.0699999999997,"body":"things like that, but what weed"},{"speaker":"Alan Smith","startTime":2475.0699999999997,"endTime":2478.0099999999998,"body":"wise does is it You can, you can"},{"speaker":"Alan Smith","startTime":2475.0699999999997,"endTime":2478.0099999999998,"body":"format it in whatever way you"},{"speaker":"Alan Smith","startTime":2478.0099999999998,"endTime":2481.19,"body":"want. But I have it sheduled"},{"speaker":"Alan Smith","startTime":2478.0099999999998,"endTime":2481.19,"body":"such that kind of first thing in"},{"speaker":"Alan Smith","startTime":2481.19,"endTime":2483.65,"body":"the morning when I'm having a"},{"speaker":"Alan Smith","startTime":2481.19,"endTime":2483.65,"body":"coffee, I get it effectively get"},{"speaker":"Alan Smith","startTime":2483.65,"endTime":2488.96,"body":"an email, and I have 10 randomly"},{"speaker":"Alan Smith","startTime":2483.65,"endTime":2488.96,"body":"selected highlights from any"},{"speaker":"Alan Smith","startTime":2488.96,"endTime":2491.27,"body":"book I've ever read in history,"},{"speaker":"Alan Smith","startTime":2488.96,"endTime":2491.27,"body":"and it just sends them to you,"},{"speaker":"Alan Smith","startTime":2491.27,"endTime":2493.4,"body":"again just sends them you can"},{"speaker":"Alan Smith","startTime":2491.27,"endTime":2493.4,"body":"have more than that you can have"},{"speaker":"Alan Smith","startTime":2493.4,"endTime":2496.0099999999998,"body":"less than that you can have as"},{"speaker":"Alan Smith","startTime":2493.4,"endTime":2496.0099999999998,"body":"many as you want. I get 10 in"},{"speaker":"Alan Smith","startTime":2496.0099999999998,"endTime":2499.7,"body":"the morning and 10 in the"},{"speaker":"Alan Smith","startTime":2496.0099999999998,"endTime":2499.7,"body":"evening. And because it's a"},{"speaker":"Alan Smith","startTime":2499.7,"endTime":2502.91,"body":"random this is a thing called in"},{"speaker":"Alan Smith","startTime":2499.7,"endTime":2502.91,"body":"terms of internalizing and"},{"speaker":"Alan Smith","startTime":2502.91,"endTime":2505.0699999999997,"body":"remembering some of these things"},{"speaker":"Alan Smith","startTime":2502.91,"endTime":2505.0699999999997,"body":"because you forget some book I"},{"speaker":"Alan Smith","startTime":2505.0699999999997,"endTime":2507.44,"body":"read five years ago that I"},{"speaker":"Alan Smith","startTime":2505.0699999999997,"endTime":2507.44,"body":"completely forgot I read that."},{"speaker":"Alan Smith","startTime":2508.7,"endTime":2511.8199999999997,"body":"This is known as spaced"},{"speaker":"Alan Smith","startTime":2508.7,"endTime":2511.8199999999997,"body":"repetition. If you get every now"},{"speaker":"Alan Smith","startTime":2511.8199999999997,"endTime":2514.0699999999997,"body":"and again, you'll be reminded of"},{"speaker":"Alan Smith","startTime":2511.8199999999997,"endTime":2514.0699999999997,"body":"something that's the way you"},{"speaker":"Alan Smith","startTime":2514.0699999999997,"endTime":2516.7999999999997,"body":"actually do internalize it, and"},{"speaker":"Alan Smith","startTime":2514.0699999999997,"endTime":2516.7999999999997,"body":"you do remember it. And I think"},{"speaker":"Alan Smith","startTime":2516.95,"endTime":2520.1,"body":"and often it's just bizarre"},{"speaker":"Alan Smith","startTime":2516.95,"endTime":2520.1,"body":"because you think for whatever"},{"speaker":"Alan Smith","startTime":2520.1,"endTime":2522.5299999999997,"body":"I'm working on, I'm thinking"},{"speaker":"Alan Smith","startTime":2520.1,"endTime":2522.5299999999997,"body":"about that particular time, the"},{"speaker":"Alan Smith","startTime":2522.5299999999997,"endTime":2525.5899999999997,"body":"thing that pops into my email"},{"speaker":"Alan Smith","startTime":2522.5299999999997,"endTime":2525.5899999999997,"body":"inbox at 630 in the morning,"},{"speaker":"Alan Smith","startTime":2526.1,"endTime":2529.22,"body":"that's actually really relevant"},{"speaker":"Alan Smith","startTime":2526.1,"endTime":2529.22,"body":"and really helpful to what I'm"},{"speaker":"Alan Smith","startTime":2529.22,"endTime":2535.97,"body":"doing. So I use Kindle I use"},{"speaker":"Alan Smith","startTime":2529.22,"endTime":2535.97,"body":"read wise. And I also have for"},{"speaker":"Alan Smith","startTime":2535.97,"endTime":2539.18,"body":"saving other documents I use"},{"speaker":"Alan Smith","startTime":2535.97,"endTime":2539.18,"body":"something called pocket which is"},{"speaker":"Alan Smith","startTime":2539.18,"endTime":2541.13,"body":"another app which if you're"},{"speaker":"Alan Smith","startTime":2539.18,"endTime":2541.13,"body":"reading something online or"},{"speaker":"Alan Smith","startTime":2541.13,"endTime":2543.23,"body":"reading a blog or something"},{"speaker":"Alan Smith","startTime":2541.13,"endTime":2543.23,"body":"online and you don't have time"},{"speaker":"Alan Smith","startTime":2543.23,"endTime":2546.5299999999997,"body":"to read it, it save it to pocket"},{"speaker":"Alan Smith","startTime":2543.23,"endTime":2546.5299999999997,"body":"and then go back and pick it up"},{"speaker":"Alan Smith","startTime":2546.5299999999997,"endTime":2549.14,"body":"later. So that's my opening over"},{"speaker":"Alan Smith","startTime":2546.5299999999997,"endTime":2549.14,"body":"to you Nick."},{"speaker":"Nick Lincoln","startTime":2549.5299999999997,"endTime":2551.99,"body":"Yeah, okay, thanks"},{"speaker":"Nick Lincoln","startTime":2549.5299999999997,"endTime":2551.99,"body":"for that I'm just coming on the"},{"speaker":"Nick Lincoln","startTime":2552.02,"endTime":2553.91,"body":"point that this is gonna get"},{"speaker":"Nick Lincoln","startTime":2552.02,"endTime":2553.91,"body":"down in the weeds for people"},{"speaker":"Nick Lincoln","startTime":2553.91,"endTime":2556.13,"body":"that aren't in these apps but"},{"speaker":"Nick Lincoln","startTime":2553.91,"endTime":2556.13,"body":"you can you know, you can import"},{"speaker":"Nick Lincoln","startTime":2556.13,"endTime":2560.81,"body":"you can link your pockets to"},{"speaker":"Nick Lincoln","startTime":2556.13,"endTime":2560.81,"body":"reader reader is the app that"},{"speaker":"Nick Lincoln","startTime":2560.81,"endTime":2563.06,"body":"read wise I've just launched and"},{"speaker":"Nick Lincoln","startTime":2560.81,"endTime":2563.06,"body":"read though is like this"},{"speaker":"Nick Lincoln","startTime":2563.06,"endTime":2566.21,"body":"gathering space for all these"},{"speaker":"Nick Lincoln","startTime":2563.06,"endTime":2566.21,"body":"things. It's not just your"},{"speaker":"Nick Lincoln","startTime":2566.21,"endTime":2568.73,"body":"quotes but you know snippets of"},{"speaker":"Nick Lincoln","startTime":2566.21,"endTime":2568.73,"body":"articles on the on the web, you"},{"speaker":"Nick Lincoln","startTime":2568.73,"endTime":2570.8599999999997,"body":"can highlight stuff on the web"},{"speaker":"Nick Lincoln","startTime":2568.73,"endTime":2570.8599999999997,"body":"and or go into read it as a"},{"speaker":"Nick Lincoln","startTime":2570.8599999999997,"endTime":2574.13,"body":"highlight which you can tag."},{"speaker":"Nick Lincoln","startTime":2570.8599999999997,"endTime":2574.13,"body":"Okay, I didn't notice it. Well,"},{"speaker":"Nick Lincoln","startTime":2574.13,"endTime":2577.22,"body":"if you're up at your pavement,"},{"speaker":"Nick Lincoln","startTime":2574.13,"endTime":2577.22,"body":"you're a subscribing member read"},{"speaker":"Nick Lincoln","startTime":2577.22,"endTime":2578.87,"body":"wise you have access to the scan"},{"speaker":"Andy Hart","startTime":2578.87,"endTime":2581.0899999999997,"body":"your instructions as"},{"speaker":"Andy Hart","startTime":2578.87,"endTime":2581.0899999999997,"body":"well Nick"},{"speaker":"Nick Lincoln","startTime":2582.92,"endTime":2585.44,"body":"No, I don't know"},{"speaker":"Nick Lincoln","startTime":2582.92,"endTime":2585.44,"body":"we'll"},{"speaker":"Alan Smith","startTime":2585.5899999999997,"endTime":2590.3599999999997,"body":"take it does. It"},{"speaker":"Alan Smith","startTime":2585.5899999999997,"endTime":2590.3599999999997,"body":"does it does physical books. If"},{"speaker":"Alan Smith","startTime":2590.3599999999997,"endTime":2593.69,"body":"you've got a book now it doesn't"},{"speaker":"Alan Smith","startTime":2590.3599999999997,"endTime":2593.69,"body":"have to take I was just playing"},{"speaker":"Alan Smith","startTime":2593.69,"endTime":2597.44,"body":"along with that photograph. If"},{"speaker":"Alan Smith","startTime":2593.69,"endTime":2597.44,"body":"take a photograph, it does OCR"},{"speaker":"Alan Smith","startTime":2597.95,"endTime":2600.56,"body":"and it recognizes it and you can"},{"speaker":"Alan Smith","startTime":2597.95,"endTime":2600.56,"body":"share it save it in assembly so"},{"speaker":"Alan Smith","startTime":2600.56,"endTime":2604.0099999999998,"body":"you can have your dishwasher"},{"speaker":"Alan Smith","startTime":2600.56,"endTime":2604.0099999999998,"body":"your IKEA wardrobe instructions."},{"speaker":"Alan Smith","startTime":2604.19,"endTime":2606.68,"body":"Anything you want my friend"},{"speaker":"Alan Smith","startTime":2604.19,"endTime":2606.68,"body":"underfloor"},{"speaker":"Nick Lincoln","startTime":2606.68,"endTime":2608.69,"body":"heating"},{"speaker":"Nick Lincoln","startTime":2606.68,"endTime":2608.69,"body":"instructions, underfloor heating"},{"speaker":"Nick Lincoln","startTime":2608.69,"endTime":2611.0299999999997,"body":"instructions. Helen Hopcroft. If"},{"speaker":"Nick Lincoln","startTime":2608.69,"endTime":2611.0299999999997,"body":"you're having your nails done in"},{"speaker":"Nick Lincoln","startTime":2611.0299999999997,"endTime":2613.2799999999997,"body":"your nail boutique right now you"},{"speaker":"Nick Lincoln","startTime":2611.0299999999997,"endTime":2613.2799999999997,"body":"can laugh out loud, listen to"},{"speaker":"Nick Lincoln","startTime":2613.2799999999997,"endTime":2615.44,"body":"this underfloor heating"},{"speaker":"Nick Lincoln","startTime":2613.2799999999997,"endTime":2615.44,"body":"instruction store them as a PDF"},{"speaker":"Nick Lincoln","startTime":2615.44,"endTime":2617.87,"body":"so when you're not around your"},{"speaker":"Nick Lincoln","startTime":2615.44,"endTime":2617.87,"body":"partner can know how to work it."},{"speaker":"Nick Lincoln","startTime":2618.35,"endTime":2621.71,"body":"Yes, continual learning We're"},{"speaker":"Nick Lincoln","startTime":2618.35,"endTime":2621.71,"body":"all mad on that and we've all"},{"speaker":"Nick Lincoln","startTime":2621.71,"endTime":2623.69,"body":"got the time to be able to do it"},{"speaker":"Nick Lincoln","startTime":2621.71,"endTime":2623.69,"body":"as well we appreciate some"},{"speaker":"Nick Lincoln","startTime":2623.69,"endTime":2626.48,"body":"people are you know, if you're"},{"speaker":"Nick Lincoln","startTime":2623.69,"endTime":2626.48,"body":"an employee, perhaps you don't"},{"speaker":"Nick Lincoln","startTime":2626.48,"endTime":2629.96,"body":"have as much free time to do"},{"speaker":"Nick Lincoln","startTime":2626.48,"endTime":2629.96,"body":"this personal development as"},{"speaker":"Nick Lincoln","startTime":2629.96,"endTime":2632.18,"body":"perhaps we do. But we're all"},{"speaker":"Nick Lincoln","startTime":2629.96,"endTime":2632.18,"body":"four of us a massive into it and"},{"speaker":"Nick Lincoln","startTime":2632.18,"endTime":2637.0099999999998,"body":"I read loads of stuff and I, I"},{"speaker":"Nick Lincoln","startTime":2632.18,"endTime":2637.0099999999998,"body":"audible, I take your point out"},{"speaker":"Nick Lincoln","startTime":2637.0099999999998,"endTime":2640.7599999999998,"body":"and with Audible. It I don't"},{"speaker":"Nick Lincoln","startTime":2637.0099999999998,"endTime":2640.7599999999998,"body":"retain as much if I if I"},{"speaker":"Nick Lincoln","startTime":2640.7599999999998,"endTime":2643.49,"body":"listened to a book. So I"},{"speaker":"Nick Lincoln","startTime":2640.7599999999998,"endTime":2643.49,"body":"listened now, think that I mean,"},{"speaker":"Nick Lincoln","startTime":2643.73,"endTime":2647.21,"body":"Alan Partridge puts out these"},{"speaker":"Nick Lincoln","startTime":2643.73,"endTime":2647.21,"body":"are the Steve Coogan puts our"},{"speaker":"Nick Lincoln","startTime":2647.21,"endTime":2649.25,"body":"books on audible, I listened to"},{"speaker":"Nick Lincoln","startTime":2647.21,"endTime":2649.25,"body":"those and audible we're not much"},{"speaker":"Nick Lincoln","startTime":2649.2799999999997,"endTime":2651.08,"body":"not much else. And I've gone"},{"speaker":"Nick Lincoln","startTime":2649.2799999999997,"endTime":2651.08,"body":"back to Kindle for the reasons"},{"speaker":"Nick Lincoln","startTime":2651.08,"endTime":2653.63,"body":"you said that you're reading"},{"speaker":"Nick Lincoln","startTime":2651.08,"endTime":2653.63,"body":"something. Using your eyes, it"},{"speaker":"Nick Lincoln","startTime":2653.63,"endTime":2656.0299999999997,"body":"tends to the brain tends to"},{"speaker":"Nick Lincoln","startTime":2653.63,"endTime":2656.0299999999997,"body":"retain it and you can highlight"},{"speaker":"Nick Lincoln","startTime":2656.0299999999997,"endTime":2658.64,"body":"stuff and I again, read wise"},{"speaker":"Nick Lincoln","startTime":2656.0299999999997,"endTime":2658.64,"body":"this thing. You know, there's a"},{"speaker":"Nick Lincoln","startTime":2658.64,"endTime":2661.64,"body":"lot of psychology behind read"},{"speaker":"Nick Lincoln","startTime":2658.64,"endTime":2661.64,"body":"wise, as you said, spaced"},{"speaker":"Nick Lincoln","startTime":2661.64,"endTime":2663.71,"body":"repetition that it's okay"},{"speaker":"Nick Lincoln","startTime":2661.64,"endTime":2663.71,"body":"reading something once but"},{"speaker":"Nick Lincoln","startTime":2663.71,"endTime":2667.31,"body":"you've got to read it like six"},{"speaker":"Nick Lincoln","startTime":2663.71,"endTime":2667.31,"body":"seven times before actually it"},{"speaker":"Nick Lincoln","startTime":2667.31,"endTime":2670.37,"body":"lodges in your cranium and read"},{"speaker":"Nick Lincoln","startTime":2667.31,"endTime":2670.37,"body":"wise just throws these snippets"},{"speaker":"Nick Lincoln","startTime":2670.37,"endTime":2674.63,"body":"out at you that you thought were"},{"speaker":"Nick Lincoln","startTime":2670.37,"endTime":2674.63,"body":"worth annotating, and it brings"},{"speaker":"Nick Lincoln","startTime":2674.66,"endTime":2676.8199999999997,"body":"it pushes them to you anything"},{"speaker":"Nick Lincoln","startTime":2674.66,"endTime":2676.8199999999997,"body":"Oh yeah, that's right, that"},{"speaker":"Nick Lincoln","startTime":2676.8199999999997,"endTime":2678.8599999999997,"body":"book, that's where I learned"},{"speaker":"Nick Lincoln","startTime":2676.8199999999997,"endTime":2678.8599999999997,"body":"that and that's I've forgotten"},{"speaker":"Nick Lincoln","startTime":2678.8599999999997,"endTime":2681.71,"body":"that. That's really good. It"},{"speaker":"Nick Lincoln","startTime":2678.8599999999997,"endTime":2681.71,"body":"just in terms of everyday stuff,"},{"speaker":"Nick Lincoln","startTime":2681.8599999999997,"endTime":2685.5499999999997,"body":"and managing tsunamis, I'm not a"},{"speaker":"Nick Lincoln","startTime":2681.8599999999997,"endTime":2685.5499999999997,"body":"solopreneur I'm a solo advisor."},{"speaker":"Nick Lincoln","startTime":2686.27,"endTime":2689.0,"body":"So I do it all myself and that's"},{"speaker":"Nick Lincoln","startTime":2686.27,"endTime":2689.0,"body":"fine. That's the path I've"},{"speaker":"Nick Lincoln","startTime":2689.0,"endTime":2691.49,"body":"chosen and I love it. But I do"},{"speaker":"Nick Lincoln","startTime":2689.0,"endTime":2691.49,"body":"need to use some apps to help me"},{"speaker":"Nick Lincoln","startTime":2691.49,"endTime":2693.7999999999997,"body":"just gather my thoughts and"},{"speaker":"Nick Lincoln","startTime":2691.49,"endTime":2693.7999999999997,"body":"gather my notes and make sure I"},{"speaker":"Nick Lincoln","startTime":2693.7999999999997,"endTime":2697.0699999999997,"body":"do stuff because I'm terrible at"},{"speaker":"Nick Lincoln","startTime":2693.7999999999997,"endTime":2697.0699999999997,"body":"retaining things in my brain and"},{"speaker":"Nick Lincoln","startTime":2697.0699999999997,"endTime":2699.83,"body":"if I if something comes into my"},{"speaker":"Nick Lincoln","startTime":2697.0699999999997,"endTime":2699.83,"body":"brain it'll just be gone. I have"},{"speaker":"Nick Lincoln","startTime":2699.83,"endTime":2702.2,"body":"to put it somewhere I have to"},{"speaker":"Nick Lincoln","startTime":2699.83,"endTime":2702.2,"body":"write it down or put it into an"},{"speaker":"Nick Lincoln","startTime":2702.2,"endTime":2705.62,"body":"app so I remember to do it and I"},{"speaker":"Nick Lincoln","startTime":2702.2,"endTime":2705.62,"body":"use tu tu tu tu apps that are"},{"speaker":"Nick Lincoln","startTime":2705.62,"endTime":2709.88,"body":"really key for me and Andy news"},{"speaker":"Nick Lincoln","startTime":2705.62,"endTime":2709.88,"body":"both of these are certainly did"},{"speaker":"Nick Lincoln","startTime":2710.2999999999997,"endTime":2713.18,"body":"one is very clean and tidy one"},{"speaker":"Nick Lincoln","startTime":2710.2999999999997,"endTime":2713.18,"body":"is much more in depth and the"},{"speaker":"Nick Lincoln","startTime":2713.18,"endTime":2715.52,"body":"first clean and tidy one is"},{"speaker":"Nick Lincoln","startTime":2713.18,"endTime":2715.52,"body":"something called Google Keep"},{"speaker":"Nick Lincoln","startTime":2715.79,"endTime":2719.42,"body":"which is just purely a to do"},{"speaker":"Nick Lincoln","startTime":2715.79,"endTime":2719.42,"body":"list app is nothing else and you"},{"speaker":"Nick Lincoln","startTime":2719.42,"endTime":2722.54,"body":"can put it on your phone on your"},{"speaker":"Nick Lincoln","startTime":2719.42,"endTime":2722.54,"body":"computer and if I'm out walking"},{"speaker":"Nick Lincoln","startTime":2722.54,"endTime":2725.24,"body":"and you know now and again"},{"speaker":"Nick Lincoln","startTime":2722.54,"endTime":2725.24,"body":"believe it or not guys the"},{"speaker":"Nick Lincoln","startTime":2725.63,"endTime":2728.42,"body":"inspiration does come into my"},{"speaker":"Nick Lincoln","startTime":2725.63,"endTime":2728.42,"body":"head but I haven't got a pen on"},{"speaker":"Nick Lincoln","startTime":2728.42,"endTime":2730.79,"body":"my milestone home I think ah"},{"speaker":"Nick Lincoln","startTime":2728.42,"endTime":2730.79,"body":"Christ by the time I get back I"},{"speaker":"Nick Lincoln","startTime":2730.79,"endTime":2732.89,"body":"know forget about this I just"},{"speaker":"Nick Lincoln","startTime":2730.79,"endTime":2732.89,"body":"opened up Google Keep on my"},{"speaker":"Nick Lincoln","startTime":2732.89,"endTime":2736.04,"body":"phone it's clean. Bam put this"},{"speaker":"Nick Lincoln","startTime":2732.89,"endTime":2736.04,"body":"thought down. And it's there."},{"speaker":"Nick Lincoln","startTime":2736.37,"endTime":2738.38,"body":"Good thing with Google Keep is"},{"speaker":"Nick Lincoln","startTime":2736.37,"endTime":2738.38,"body":"this is a sad thing. That's a"},{"speaker":"Nick Lincoln","startTime":2738.38,"endTime":2741.95,"body":"good thing. It will buzz you"},{"speaker":"Nick Lincoln","startTime":2738.38,"endTime":2741.95,"body":"based on your location so I set"},{"speaker":"Nick Lincoln","startTime":2741.95,"endTime":2745.22,"body":"up Google Keep I have a to do"},{"speaker":"Nick Lincoln","startTime":2741.95,"endTime":2745.22,"body":"list in there. And it no I said"},{"speaker":"Nick Lincoln","startTime":2745.22,"endTime":2748.31,"body":"when I get home notify me so"},{"speaker":"Nick Lincoln","startTime":2745.22,"endTime":2748.31,"body":"obviously it tracks my location"},{"speaker":"Nick Lincoln","startTime":2748.31,"endTime":2751.04,"body":"on my phone. I'm out for a walk."},{"speaker":"Nick Lincoln","startTime":2748.31,"endTime":2751.04,"body":"I come back for two hours. I get"},{"speaker":"Nick Lincoln","startTime":2751.04,"endTime":2753.3199999999997,"body":"back to the front door and my"},{"speaker":"Nick Lincoln","startTime":2751.04,"endTime":2753.3199999999997,"body":"phone pings me with a"},{"speaker":"Nick Lincoln","startTime":2753.3199999999997,"endTime":2755.75,"body":"notification from Google Keep"},{"speaker":"Nick Lincoln","startTime":2753.3199999999997,"endTime":2755.75,"body":"saying this is the to do things"},{"speaker":"Nick Lincoln","startTime":2755.75,"endTime":2758.39,"body":"that you've notified when you're"},{"speaker":"Nick Lincoln","startTime":2755.75,"endTime":2758.39,"body":"out in a war. That's just really"},{"speaker":"Nick Lincoln","startTime":2758.39,"endTime":2761.96,"body":"handy. And the more in depth one"},{"speaker":"Nick Lincoln","startTime":2758.39,"endTime":2761.96,"body":"is is it nodes 30 favorite which"},{"speaker":"Nick Lincoln","startTime":2761.96,"endTime":2764.0,"body":"I think might be on its last"},{"speaker":"Nick Lincoln","startTime":2761.96,"endTime":2764.0,"body":"legs. There's always talk about"},{"speaker":"Nick Lincoln","startTime":2764.0,"endTime":2766.7,"body":"just collapsing which is"},{"speaker":"Nick Lincoln","startTime":2764.0,"endTime":2766.7,"body":"Evernote and I use that"},{"speaker":"Nick Lincoln","startTime":2766.7,"endTime":2769.19,"body":"extensively. I use the paid"},{"speaker":"Nick Lincoln","startTime":2766.7,"endTime":2769.19,"body":"version of Evernote the prices"},{"speaker":"Nick Lincoln","startTime":2769.19,"endTime":2771.3199999999997,"body":"have gone up quite steeply, but"},{"speaker":"Nick Lincoln","startTime":2769.19,"endTime":2771.3199999999997,"body":"I get a lot of value from it."},{"speaker":"Nick Lincoln","startTime":2771.77,"endTime":2773.96,"body":"You can just put it all your"},{"speaker":"Nick Lincoln","startTime":2771.77,"endTime":2773.96,"body":"life into Evernote. Yeah, things"},{"speaker":"Nick Lincoln","startTime":2773.96,"endTime":2776.96,"body":"like manuals, but just whatever"},{"speaker":"Nick Lincoln","startTime":2773.96,"endTime":2776.96,"body":"you want. Maybe you want to put"},{"speaker":"Nick Lincoln","startTime":2776.96,"endTime":2781.52,"body":"in, you know, PDFs, clippings"},{"speaker":"Nick Lincoln","startTime":2776.96,"endTime":2781.52,"body":"off the web. It's just a really"},{"speaker":"Nick Lincoln","startTime":2781.52,"endTime":2785.93,"body":"good data based tool. And you"},{"speaker":"Nick Lincoln","startTime":2781.52,"endTime":2785.93,"body":"can tag things which I love,"},{"speaker":"Nick Lincoln","startTime":2785.93,"endTime":2788.27,"body":"which I love, you know, so you"},{"speaker":"Nick Lincoln","startTime":2785.93,"endTime":2788.27,"body":"can have one one article can"},{"speaker":"Nick Lincoln","startTime":2788.27,"endTime":2790.85,"body":"have multiple tags in it could"},{"speaker":"Nick Lincoln","startTime":2788.27,"endTime":2790.85,"body":"be politics could be self"},{"speaker":"Nick Lincoln","startTime":2790.85,"endTime":2793.31,"body":"development, whatever you want"},{"speaker":"Nick Lincoln","startTime":2790.85,"endTime":2793.31,"body":"to do. And that's what that's"},{"speaker":"Nick Lincoln","startTime":2793.31,"endTime":2796.2799999999997,"body":"what I use to try and keep a"},{"speaker":"Nick Lincoln","startTime":2793.31,"endTime":2796.2799999999997,"body":"grip of stuff because I say my"},{"speaker":"Nick Lincoln","startTime":2796.2799999999997,"endTime":2800.45,"body":"brain just it bloody it's, I"},{"speaker":"Nick Lincoln","startTime":2796.2799999999997,"endTime":2800.45,"body":"don't know, if I've got, you"},{"speaker":"Nick Lincoln","startTime":2800.45,"endTime":2802.79,"body":"know, early onset dementia or"},{"speaker":"Nick Lincoln","startTime":2800.45,"endTime":2802.79,"body":"something, but I just don't"},{"speaker":"Nick Lincoln","startTime":2802.79,"endTime":2805.0699999999997,"body":"retain stuff. I can remember"},{"speaker":"Nick Lincoln","startTime":2802.79,"endTime":2805.0699999999997,"body":"what I did 20 years ago, I can't"},{"speaker":"Nick Lincoln","startTime":2805.0699999999997,"endTime":2807.65,"body":"remember I did last week. So"},{"speaker":"Nick Lincoln","startTime":2805.0699999999997,"endTime":2807.65,"body":"we're having an electronic sort"},{"speaker":"Nick Lincoln","startTime":2807.65,"endTime":2810.56,"body":"of Lincoln in this cloud, which"},{"speaker":"Nick Lincoln","startTime":2807.65,"endTime":2810.56,"body":"is a frightening thought it is"},{"speaker":"Nick Lincoln","startTime":2810.56,"endTime":2815.18,"body":"really helpful for me. And"},{"speaker":"Nick Lincoln","startTime":2810.56,"endTime":2815.18,"body":"you're obviously you're you're"},{"speaker":"Nick Lincoln","startTime":2815.18,"endTime":2817.1,"body":"big into your tech and"},{"speaker":"Nick Lincoln","startTime":2815.18,"endTime":2817.1,"body":"everything and your digits rise,"},{"speaker":"Nick Lincoln","startTime":2817.1,"endTime":2819.41,"body":"you're gonna say something to"},{"speaker":"Nick Lincoln","startTime":2817.1,"endTime":2819.41,"body":"slag me off, I can feel it go"},{"speaker":"Nick Lincoln","startTime":2819.41,"endTime":2820.0099999999998,"body":"and get it out."},{"speaker":"Andy Hart","startTime":2821.72,"endTime":2824.2999999999997,"body":"That was fine. Did"},{"speaker":"Andy Hart","startTime":2821.72,"endTime":2824.2999999999997,"body":"digital Lincoln, I've just had a"},{"speaker":"Andy Hart","startTime":2824.3599999999997,"endTime":2826.85,"body":"little bit of a thought about"},{"speaker":"Andy Hart","startTime":2824.3599999999997,"endTime":2826.85,"body":"that. Yeah, I'm just gonna give"},{"speaker":"Andy Hart","startTime":2826.85,"endTime":2831.2,"body":"some some some points. I mean,"},{"speaker":"Andy Hart","startTime":2826.85,"endTime":2831.2,"body":"we're blessed in this mighty"},{"speaker":"Andy Hart","startTime":2831.2,"endTime":2834.5899999999997,"body":"profession, that part of it is"},{"speaker":"Andy Hart","startTime":2831.2,"endTime":2834.5899999999997,"body":"lifelong learning. You know,"},{"speaker":"Andy Hart","startTime":2834.5899999999997,"endTime":2838.3399999999997,"body":"it's, it's amazing. We're sort"},{"speaker":"Andy Hart","startTime":2834.5899999999997,"endTime":2838.3399999999997,"body":"of inadvertently paid to become"},{"speaker":"Andy Hart","startTime":2838.3399999999997,"endTime":2841.67,"body":"smarter and wiser over time,"},{"speaker":"Andy Hart","startTime":2838.3399999999997,"endTime":2841.67,"body":"which means we can, you know,"},{"speaker":"Andy Hart","startTime":2841.7,"endTime":2845.21,"body":"help more clients, etc, etc."},{"speaker":"Andy Hart","startTime":2841.7,"endTime":2845.21,"body":"Yeah. So in terms of what"},{"speaker":"Andy Hart","startTime":2845.21,"endTime":2850.43,"body":"information I consume. Yeah, I'm"},{"speaker":"Andy Hart","startTime":2845.21,"endTime":2850.43,"body":"quite big on Audible. So I do"},{"speaker":"Andy Hart","startTime":2850.49,"endTime":2854.45,"body":"listen to most of the books."},{"speaker":"Andy Hart","startTime":2850.49,"endTime":2854.45,"body":"However, I'm being a bit more"},{"speaker":"Andy Hart","startTime":2854.45,"endTime":2858.3199999999997,"body":"intentional 2024 and trying to"},{"speaker":"Andy Hart","startTime":2854.45,"endTime":2858.3199999999997,"body":"read, you know, few more dusty"},{"speaker":"Andy Hart","startTime":2858.3199999999997,"endTime":2862.5499999999997,"body":"books, I believe I retain the"},{"speaker":"Andy Hart","startTime":2858.3199999999997,"endTime":2862.5499999999997,"body":"information a lot better. I've"},{"speaker":"Andy Hart","startTime":2862.5499999999997,"endTime":2867.5899999999997,"body":"dabbled with apps like Blinkist."},{"speaker":"Andy Hart","startTime":2862.5499999999997,"endTime":2867.5899999999997,"body":"But it doesn't really work for"},{"speaker":"Andy Hart","startTime":2867.5899999999997,"endTime":2872.48,"body":"me. I consume a lot of"},{"speaker":"Andy Hart","startTime":2867.5899999999997,"endTime":2872.48,"body":"newsletters, a load of podcasts,"},{"speaker":"Andy Hart","startTime":2872.5099999999998,"endTime":2876.29,"body":"and we pretty much all read all"},{"speaker":"Andy Hart","startTime":2872.5099999999998,"endTime":2876.29,"body":"the main books that come out."},{"speaker":"Andy Hart","startTime":2876.29,"endTime":2878.39,"body":"And it's a bit mix, isn't it?"},{"speaker":"Andy Hart","startTime":2876.29,"endTime":2878.39,"body":"It's business books, personal"},{"speaker":"Andy Hart","startTime":2878.39,"endTime":2880.67,"body":"finance, marketing, lifestyle,"},{"speaker":"Andy Hart","startTime":2878.39,"endTime":2880.67,"body":"personal development,"},{"speaker":"Andy Hart","startTime":2880.67,"endTime":2884.21,"body":"biographies. You know, we I"},{"speaker":"Andy Hart","startTime":2880.67,"endTime":2884.21,"body":"think I've read about 50 books a"},{"speaker":"Andy Hart","startTime":2884.21,"endTime":2889.2799999999997,"body":"year, I feel a jingle coming on."},{"speaker":"Andy Hart","startTime":2884.21,"endTime":2889.2799999999997,"body":"Yeah, in terms of apps, I've got"},{"speaker":"Andy Hart","startTime":2889.2799999999997,"endTime":2894.35,"body":"the Kindle app on my iPad on my"},{"speaker":"Andy Hart","startTime":2889.2799999999997,"endTime":2894.35,"body":"iPhone. I use Google Keep, As"},{"speaker":"Andy Hart","startTime":2894.35,"endTime":2897.5899999999997,"body":"Nick said, and I use Dropbox as"},{"speaker":"Andy Hart","startTime":2894.35,"endTime":2897.5899999999997,"body":"well to sometimes store a lot of"},{"speaker":"Andy Hart","startTime":2897.5899999999997,"endTime":2901.25,"body":"information. So I mean, the high"},{"speaker":"Andy Hart","startTime":2897.5899999999997,"endTime":2901.25,"body":"level thing is, yeah, we're"},{"speaker":"Andy Hart","startTime":2901.25,"endTime":2904.7599999999998,"body":"very, very lucky as professional"},{"speaker":"Andy Hart","startTime":2901.25,"endTime":2904.7599999999998,"body":"financial advisors that, you"},{"speaker":"Andy Hart","startTime":2904.7599999999998,"endTime":2908.7799999999997,"body":"know, self employed work for"},{"speaker":"Andy Hart","startTime":2904.7599999999998,"endTime":2908.7799999999997,"body":"ourselves. A huge chunk of our,"},{"speaker":"Andy Hart","startTime":2909.14,"endTime":2913.16,"body":"you know, week, months years is"},{"speaker":"Andy Hart","startTime":2909.14,"endTime":2913.16,"body":"spent consuming more"},{"speaker":"Andy Hart","startTime":2913.16,"endTime":2916.79,"body":"information. Yeah, we're very,"},{"speaker":"Andy Hart","startTime":2913.16,"endTime":2916.79,"body":"very, very lucky. From that"},{"speaker":"Andy Hart","startTime":2916.79,"endTime":2919.73,"body":"point of view. I don't think all"},{"speaker":"Andy Hart","startTime":2916.79,"endTime":2919.73,"body":"professions do exactly what we"},{"speaker":"Andy Hart","startTime":2919.73,"endTime":2923.15,"body":"do. So yeah, I'm, I'm very"},{"speaker":"Andy Hart","startTime":2919.73,"endTime":2923.15,"body":"pleased that I've landed in this"},{"speaker":"Andy Hart","startTime":2923.69,"endTime":2926.87,"body":"profession accidentally. And,"},{"speaker":"Andy Hart","startTime":2923.69,"endTime":2926.87,"body":"you know, it sort of swallowed"},{"speaker":"Andy Hart","startTime":2926.87,"endTime":2930.0499999999997,"body":"me up over the last 20 years."},{"speaker":"Andy Hart","startTime":2926.87,"endTime":2930.0499999999997,"body":"But over to Carl with some final"},{"speaker":"Andy Hart","startTime":2930.0499999999997,"endTime":2931.0699999999997,"body":"points, or unik."},{"speaker":"Nick Lincoln","startTime":2932.48,"endTime":2933.62,"body":"Well, just"},{"speaker":"Nick Lincoln","startTime":2932.48,"endTime":2933.62,"body":"probably to move on to I think"},{"speaker":"Nick Lincoln","startTime":2933.65,"endTime":2936.62,"body":"Alan Maxim says, well, we've all"},{"speaker":"Nick Lincoln","startTime":2933.65,"endTime":2936.62,"body":"been very good at that. And not"},{"speaker":"Nick Lincoln","startTime":2936.62,"endTime":2938.42,"body":"looking at each other. Aren't we"},{"speaker":"Nick Lincoln","startTime":2936.62,"endTime":2938.42,"body":"on screen and not picking up on"},{"speaker":"Nick Lincoln","startTime":2938.42,"endTime":2941.54,"body":"the nonverbal cues? We've got it"},{"speaker":"Nick Lincoln","startTime":2938.42,"endTime":2941.54,"body":"down to an art form. Yeah,"},{"speaker":"Nick Lincoln","startTime":2941.75,"endTime":2945.35,"body":"Google, Google key, but that"},{"speaker":"Nick Lincoln","startTime":2941.75,"endTime":2945.35,"body":"mean prosaic story of why"},{"speaker":"Nick Lincoln","startTime":2945.35,"endTime":2947.9,"body":"Google, he was brilliant for me,"},{"speaker":"Nick Lincoln","startTime":2945.35,"endTime":2947.9,"body":"I've got a Google keep packing"},{"speaker":"Nick Lincoln","startTime":2947.9,"endTime":2950.87,"body":"list, wherever I travel,"},{"speaker":"Nick Lincoln","startTime":2947.9,"endTime":2950.87,"body":"everything is on there, and I"},{"speaker":"Nick Lincoln","startTime":2950.87,"endTime":2954.08,"body":"use it every time and when I go"},{"speaker":"Nick Lincoln","startTime":2950.87,"endTime":2954.08,"body":"abroad, anywhere, I always have"},{"speaker":"Nick Lincoln","startTime":2954.08,"endTime":2956.39,"body":"everything with me, including,"},{"speaker":"Nick Lincoln","startTime":2954.08,"endTime":2956.39,"body":"of course, my dressing gown,"},{"speaker":"Nick Lincoln","startTime":2956.5699999999997,"endTime":2958.88,"body":"Englishmen can't go abroad"},{"speaker":"Nick Lincoln","startTime":2956.5699999999997,"endTime":2958.88,"body":"without addressing, Penny"},{"speaker":"Nick Lincoln","startTime":2958.88,"endTime":2962.33,"body":"refuses to keep a list. Penny"},{"speaker":"Nick Lincoln","startTime":2958.88,"endTime":2962.33,"body":"invariably, whatever, she goes"},{"speaker":"Nick Lincoln","startTime":2962.33,"endTime":2965.45,"body":"somewhere, leaves something"},{"speaker":"Nick Lincoln","startTime":2962.33,"endTime":2965.45,"body":"behind. It's just like, why not"},{"speaker":"Nick Lincoln","startTime":2965.45,"endTime":2966.0499999999997,"body":"have a list of"},{"speaker":"Andy Hart","startTime":2968.15,"endTime":2971.0299999999997,"body":"rice? We've got him"},{"speaker":"Andy Hart","startTime":2968.15,"endTime":2971.0299999999997,"body":"every two weeks for an hour and"},{"speaker":"Andy Hart","startTime":2971.0299999999997,"endTime":2971.2999999999997,"body":"have it"},{"speaker":"Alan Smith","startTime":2975.83,"endTime":2978.62,"body":"yet just on at this"},{"speaker":"Alan Smith","startTime":2975.83,"endTime":2978.62,"body":"point, as you said, it's around"},{"speaker":"Alan Smith","startTime":2978.62,"endTime":2982.0699999999997,"body":"this idea of if you if you run"},{"speaker":"Alan Smith","startTime":2978.62,"endTime":2982.0699999999997,"body":"your own business, you can you"},{"speaker":"Alan Smith","startTime":2982.0699999999997,"endTime":2987.02,"body":"manage your time. Now, it's"},{"speaker":"Alan Smith","startTime":2982.0699999999997,"endTime":2987.02,"body":"regardless because learning is"},{"speaker":"Alan Smith","startTime":2987.02,"endTime":2990.47,"body":"it's so easy to learn that"},{"speaker":"Alan Smith","startTime":2987.02,"endTime":2990.47,"body":"people go for walks, people"},{"speaker":"Alan Smith","startTime":2990.47,"endTime":2994.0099999999998,"body":"commute, people go to the gym,"},{"speaker":"Alan Smith","startTime":2990.47,"endTime":2994.0099999999998,"body":"people drive cars to compliance,"},{"speaker":"Alan Smith","startTime":2994.2799999999997,"endTime":2997.5499999999997,"body":"there isn't it's not about time."},{"speaker":"Alan Smith","startTime":2994.2799999999997,"endTime":2997.5499999999997,"body":"So if you're an employee of a"},{"speaker":"Alan Smith","startTime":2997.5499999999997,"endTime":3000.85,"body":"company, and you got to show up"},{"speaker":"Alan Smith","startTime":2997.5499999999997,"endTime":3000.85,"body":"and do your hours, there is no"},{"speaker":"Alan Smith","startTime":3000.85,"endTime":3003.37,"body":"excuse not to learn and it's"},{"speaker":"Alan Smith","startTime":3000.85,"endTime":3003.37,"body":"it's to me, it's the single"},{"speaker":"Alan Smith","startTime":3003.37,"endTime":3005.65,"body":"biggest it has the single"},{"speaker":"Alan Smith","startTime":3003.37,"endTime":3005.65,"body":"biggest impact on people's long"},{"speaker":"Alan Smith","startTime":3005.65,"endTime":3009.43,"body":"term success is learn reading"},{"speaker":"Alan Smith","startTime":3005.65,"endTime":3009.43,"body":"books, reading books, listening"},{"speaker":"Alan Smith","startTime":3009.43,"endTime":3012.31,"body":"to podcasts, just multiple, if"},{"speaker":"Alan Smith","startTime":3009.43,"endTime":3012.31,"body":"you want to watch better YouTube"},{"speaker":"Alan Smith","startTime":3012.3399999999997,"endTime":3014.23,"body":"videos, or audio,"},{"speaker":"Andy Hart","startTime":3014.68,"endTime":3017.47,"body":"visual, some books,"},{"speaker":"Andy Hart","startTime":3014.68,"endTime":3017.47,"body":"books, books, books, books, but"},{"speaker":"Nick Lincoln","startTime":3018.22,"endTime":3020.23,"body":"yeah, whatever. So"},{"speaker":"Nick Lincoln","startTime":3018.22,"endTime":3020.23,"body":"I just want to make that make"},{"speaker":"Nick Lincoln","startTime":3020.23,"endTime":3022.54,"body":"that point you should be there's"},{"speaker":"Nick Lincoln","startTime":3020.23,"endTime":3022.54,"body":"no excuse now not that you"},{"speaker":"Nick Lincoln","startTime":3022.54,"endTime":3026.2,"body":"should be a learner find stuff"},{"speaker":"Nick Lincoln","startTime":3022.54,"endTime":3026.2,"body":"for that. And there's sorry, the"},{"speaker":"Nick Lincoln","startTime":3026.2,"endTime":3029.95,"body":"research is in that you're it's"},{"speaker":"Nick Lincoln","startTime":3026.2,"endTime":3029.95,"body":"the correlation between the"},{"speaker":"Nick Lincoln","startTime":3029.95,"endTime":3032.3199999999997,"body":"amount of books that you read"},{"speaker":"Nick Lincoln","startTime":3029.95,"endTime":3032.3199999999997,"body":"over the course you've allowed"},{"speaker":"Nick Lincoln","startTime":3032.3199999999997,"endTime":3035.3199999999997,"body":"to and your success in life, but"},{"speaker":"Nick Lincoln","startTime":3032.3199999999997,"endTime":3035.3199999999997,"body":"measured in material terms on"},{"speaker":"Nick Lincoln","startTime":3035.3199999999997,"endTime":3039.2799999999997,"body":"your earnings. The correlation"},{"speaker":"Nick Lincoln","startTime":3035.3199999999997,"endTime":3039.2799999999997,"body":"is incredible. So you know,"},{"speaker":"Nick Lincoln","startTime":3039.2799999999997,"endTime":3041.44,"body":"households without books"},{"speaker":"Nick Lincoln","startTime":3039.2799999999997,"endTime":3041.44,"body":"generally will be households"},{"speaker":"Nick Lincoln","startTime":3041.44,"endTime":3046.0,"body":"that don't perhaps live live the"},{"speaker":"Nick Lincoln","startTime":3041.44,"endTime":3046.0,"body":"more fulfilled life in terms of"},{"speaker":"Nick Lincoln","startTime":3046.0,"endTime":3049.96,"body":"earnings at least now, Carl, I"},{"speaker":"Nick Lincoln","startTime":3046.0,"endTime":3049.96,"body":"think you might have a take on"},{"speaker":"Nick Lincoln","startTime":3049.96,"endTime":3050.5899999999997,"body":"this my friend."},{"speaker":"Carl Widger","startTime":3052.42,"endTime":3055.6,"body":"Yeah, so we have"},{"speaker":"Carl Widger","startTime":3052.42,"endTime":3055.6,"body":"our annual planning day"},{"speaker":"Carl Widger","startTime":3055.6,"endTime":3059.29,"body":"tomorrow. And so I've been"},{"speaker":"Carl Widger","startTime":3055.6,"endTime":3059.29,"body":"thinking about this quite a lot."},{"speaker":"Carl Widger","startTime":3059.29,"endTime":3066.1,"body":"So this might be a little bit of"},{"speaker":"Carl Widger","startTime":3059.29,"endTime":3066.1,"body":"a ramble. So stand by. The laws"},{"speaker":"Carl Widger","startTime":3066.1,"endTime":3068.8599999999997,"body":"also they'll also see that I was"},{"speaker":"Carl Widger","startTime":3066.1,"endTime":3068.8599999999997,"body":"deeply uncomfortable with the"},{"speaker":"Carl Widger","startTime":3068.8599999999997,"endTime":3074.89,"body":"content of some of today's or"},{"speaker":"Carl Widger","startTime":3068.8599999999997,"endTime":3074.89,"body":"going to the Irish versus UK"},{"speaker":"Carl Widger","startTime":3074.92,"endTime":3076.0899999999997,"body":"cultural differences."},{"speaker":"Carl Widger","startTime":3087.219,"endTime":3091.689,"body":"Thanks for that, Nick. Yeah, so"},{"speaker":"Carl Widger","startTime":3087.219,"endTime":3091.689,"body":"for me, the two greatest"},{"speaker":"Carl Widger","startTime":3091.689,"endTime":3095.739,"body":"predictors of success for"},{"speaker":"Carl Widger","startTime":3091.689,"endTime":3095.739,"body":"probably any small business"},{"speaker":"Carl Widger","startTime":3095.739,"endTime":3100.5989999999997,"body":"owner, I would say, our number"},{"speaker":"Carl Widger","startTime":3095.739,"endTime":3100.5989999999997,"body":"one, resilience. And number two,"},{"speaker":"Carl Widger","startTime":3100.629,"endTime":3107.019,"body":"growth mindset. And one thing I"},{"speaker":"Carl Widger","startTime":3100.629,"endTime":3107.019,"body":"would say I have failed, from"},{"speaker":"Carl Widger","startTime":3107.019,"endTime":3111.009,"body":"time to time, as things got"},{"speaker":"Carl Widger","startTime":3107.019,"endTime":3111.009,"body":"tough, and I had to become more"},{"speaker":"Carl Widger","startTime":3111.009,"endTime":3114.6389999999997,"body":"resilient is I forgot about the"},{"speaker":"Carl Widger","startTime":3111.009,"endTime":3114.6389999999997,"body":"growth mindset piece. So that's"},{"speaker":"Carl Widger","startTime":3114.6389999999997,"endTime":3117.459,"body":"the first thing I would say, the"},{"speaker":"Carl Widger","startTime":3114.6389999999997,"endTime":3117.459,"body":"predictors of success are not"},{"speaker":"Carl Widger","startTime":3117.459,"endTime":3122.5589999999997,"body":"only resilience, it's resilience"},{"speaker":"Carl Widger","startTime":3117.459,"endTime":3122.5589999999997,"body":"and growth mindset. So growth"},{"speaker":"Carl Widger","startTime":3122.5589999999997,"endTime":3127.5389999999998,"body":"mindset for me is, you know,"},{"speaker":"Carl Widger","startTime":3122.5589999999997,"endTime":3127.5389999999998,"body":"having that ability to be a"},{"speaker":"Carl Widger","startTime":3127.5389999999998,"endTime":3131.199,"body":"sponge, so to take lots and lots"},{"speaker":"Carl Widger","startTime":3127.5389999999998,"endTime":3131.199,"body":"of different things in so it's"},{"speaker":"Carl Widger","startTime":3131.199,"endTime":3136.239,"body":"not necessarily about just doing"},{"speaker":"Carl Widger","startTime":3131.199,"endTime":3136.239,"body":"podcasts or just an audible, but"},{"speaker":"Carl Widger","startTime":3136.239,"endTime":3139.719,"body":"I'll talk about a couple of"},{"speaker":"Carl Widger","startTime":3136.239,"endTime":3139.719,"body":"things in a minute. But it's"},{"speaker":"Carl Widger","startTime":3140.109,"endTime":3143.469,"body":"what we all need to understand"},{"speaker":"Carl Widger","startTime":3140.109,"endTime":3143.469,"body":"in this brilliant profession"},{"speaker":"Carl Widger","startTime":3143.469,"endTime":3148.029,"body":"that we're so privileged to"},{"speaker":"Carl Widger","startTime":3143.469,"endTime":3148.029,"body":"operate in, is that we're not"},{"speaker":"Carl Widger","startTime":3148.029,"endTime":3154.029,"body":"inventors. We're not sending"},{"speaker":"Carl Widger","startTime":3148.029,"endTime":3154.029,"body":"rockets into space. Financial"},{"speaker":"Carl Widger","startTime":3154.029,"endTime":3159.609,"body":"Planning exists. And there are"},{"speaker":"Carl Widger","startTime":3154.029,"endTime":3159.609,"body":"so many examples of absolutely"},{"speaker":"Carl Widger","startTime":3159.6389999999997,"endTime":3165.3689999999997,"body":"amazing people who have been"},{"speaker":"Carl Widger","startTime":3159.6389999999997,"endTime":3165.3689999999997,"body":"there done it. So I know, Andy"},{"speaker":"Carl Widger","startTime":3165.3689999999997,"endTime":3167.5589999999997,"body":"will talk about Nick Murray,"},{"speaker":"Carl Widger","startTime":3165.3689999999997,"endTime":3167.5589999999997,"body":"right, the people who have"},{"speaker":"Carl Widger","startTime":3167.5589999999997,"endTime":3171.339,"body":"massive, massive experience, so"},{"speaker":"Carl Widger","startTime":3167.5589999999997,"endTime":3171.339,"body":"I think it's totally okay, in"},{"speaker":"Carl Widger","startTime":3171.339,"endTime":3175.5989999999997,"body":"terms of the financial planning,"},{"speaker":"Carl Widger","startTime":3171.339,"endTime":3175.5989999999997,"body":"learning that you're doing, is"},{"speaker":"Carl Widger","startTime":3175.5989999999997,"endTime":3180.189,"body":"to just go and find the people"},{"speaker":"Carl Widger","startTime":3175.5989999999997,"endTime":3180.189,"body":"who you believe have the same"},{"speaker":"Carl Widger","startTime":3180.189,"endTime":3184.3289999999997,"body":"values as you. So that does lead"},{"speaker":"Carl Widger","startTime":3180.189,"endTime":3184.3289999999997,"body":"to a little bit of an echo"},{"speaker":"Carl Widger","startTime":3184.3289999999997,"endTime":3186.7889999999998,"body":"chamber. But that's okay. If"},{"speaker":"Carl Widger","startTime":3184.3289999999997,"endTime":3186.7889999999998,"body":"you're trying to build a"},{"speaker":"Carl Widger","startTime":3186.7889999999998,"endTime":3188.919,"body":"business and you're trying to"},{"speaker":"Carl Widger","startTime":3186.7889999999998,"endTime":3188.919,"body":"learn and you try to have that"},{"speaker":"Carl Widger","startTime":3188.919,"endTime":3194.379,"body":"growth mindset. And it's also"},{"speaker":"Carl Widger","startTime":3188.919,"endTime":3194.379,"body":"okay, to clone, right? I know,"},{"speaker":"Carl Widger","startTime":3194.679,"endTime":3199.269,"body":"we've spoken about this loads of"},{"speaker":"Carl Widger","startTime":3194.679,"endTime":3199.269,"body":"times, right? And, but it is,"},{"speaker":"Carl Widger","startTime":3199.299,"endTime":3205.179,"body":"you know, stuff there are, there"},{"speaker":"Carl Widger","startTime":3199.299,"endTime":3205.179,"body":"are only so many key principles"},{"speaker":"Carl Widger","startTime":3205.179,"endTime":3208.8689999999997,"body":"to real financial planning."},{"speaker":"Carl Widger","startTime":3205.179,"endTime":3208.8689999999997,"body":"Yeah, you can't make up anymore."},{"speaker":"Carl Widger","startTime":3209.199,"endTime":3212.5589999999997,"body":"You know, it's just how, you"},{"speaker":"Carl Widger","startTime":3209.199,"endTime":3212.5589999999997,"body":"know, find ways how can you"},{"speaker":"Carl Widger","startTime":3212.5589999999997,"endTime":3217.179,"body":"deliver these key principles in"},{"speaker":"Carl Widger","startTime":3212.5589999999997,"endTime":3217.179,"body":"the best possible way? How can"},{"speaker":"Carl Widger","startTime":3217.179,"endTime":3220.719,"body":"you deliver them to your own"},{"speaker":"Carl Widger","startTime":3217.179,"endTime":3220.719,"body":"team? How can you deliver them"},{"speaker":"Carl Widger","startTime":3220.719,"endTime":3224.229,"body":"to your existing clients? How"},{"speaker":"Carl Widger","startTime":3220.719,"endTime":3224.229,"body":"can you deliver them to, you"},{"speaker":"Carl Widger","startTime":3224.229,"endTime":3227.589,"body":"know, potential clients down the"},{"speaker":"Carl Widger","startTime":3224.229,"endTime":3227.589,"body":"line, they're the kind of things"},{"speaker":"Carl Widger","startTime":3227.6189999999997,"endTime":3230.379,"body":"in terms of learning that you"},{"speaker":"Carl Widger","startTime":3227.6189999999997,"endTime":3230.379,"body":"should do. And then there's,"},{"speaker":"Carl Widger","startTime":3230.379,"endTime":3235.419,"body":"like, you know, any number of"},{"speaker":"Carl Widger","startTime":3230.379,"endTime":3235.419,"body":"Self Help Help books,"},{"speaker":"Carl Widger","startTime":3235.419,"endTime":3238.569,"body":"entrepreneurial books, whatever"},{"speaker":"Carl Widger","startTime":3235.419,"endTime":3238.569,"body":"you want to do. So, like, in no"},{"speaker":"Carl Widger","startTime":3238.569,"endTime":3244.659,"body":"particular order, and for me,"},{"speaker":"Carl Widger","startTime":3238.569,"endTime":3244.659,"body":"podcasts, and audible probably"},{"speaker":"Carl Widger","startTime":3244.659,"endTime":3248.709,"body":"are the two big ones right now,"},{"speaker":"Carl Widger","startTime":3244.659,"endTime":3248.709,"body":"on the podcast, I don't tend to"},{"speaker":"Carl Widger","startTime":3249.009,"endTime":3252.0389999999998,"body":"spread my wings as much as you"},{"speaker":"Carl Widger","startTime":3249.009,"endTime":3252.0389999999998,"body":"guys, I tend to keep coming back"},{"speaker":"Carl Widger","startTime":3252.0389999999998,"endTime":3256.269,"body":"to the ones that I like. But I"},{"speaker":"Carl Widger","startTime":3252.0389999999998,"endTime":3256.269,"body":"have got some great"},{"speaker":"Carl Widger","startTime":3256.659,"endTime":3260.5589999999997,"body":"recommendations to be fair from"},{"speaker":"Carl Widger","startTime":3256.659,"endTime":3260.5589999999997,"body":"trap. So in the show notes, you"},{"speaker":"Carl Widger","startTime":3260.5589999999997,"endTime":3263.859,"body":"know, going back through"},{"speaker":"Carl Widger","startTime":3260.5589999999997,"endTime":3263.859,"body":"episodes, and I listened to, to"},{"speaker":"Carl Widger","startTime":3263.8889999999997,"endTime":3266.259,"body":"a lot of stuff. And probably"},{"speaker":"Carl Widger","startTime":3263.8889999999997,"endTime":3266.259,"body":"because we're in the echo"},{"speaker":"Carl Widger","startTime":3266.259,"endTime":3268.749,"body":"chamber, a lot of it does"},{"speaker":"Carl Widger","startTime":3266.259,"endTime":3268.749,"body":"resonate with me. So I think"},{"speaker":"Carl Widger","startTime":3268.749,"endTime":3274.5389999999998,"body":"there's great podcast material"},{"speaker":"Carl Widger","startTime":3268.749,"endTime":3274.5389999999998,"body":"to get there. Audible. So I'm"},{"speaker":"Carl Widger","startTime":3274.5389999999998,"endTime":3280.1189999999997,"body":"the total opposite to Alan and"},{"speaker":"Carl Widger","startTime":3274.5389999999998,"endTime":3280.1189999999997,"body":"to Nick I find it very difficult"},{"speaker":"Carl Widger","startTime":3280.749,"endTime":3283.899,"body":"to read books, although I'm"},{"speaker":"Carl Widger","startTime":3280.749,"endTime":3283.899,"body":"reading at the moment, one"},{"speaker":"Carl Widger","startTime":3283.899,"endTime":3287.799,"body":"chapter a day, my new morning"},{"speaker":"Carl Widger","startTime":3283.899,"endTime":3287.799,"body":"routine, the diary of a CEO by"},{"speaker":"Carl Widger","startTime":3287.799,"endTime":3290.3489999999997,"body":"Stephen Bartlett, I haven't got"},{"speaker":"Carl Widger","startTime":3287.799,"endTime":3290.3489999999997,"body":"it in my culture corner because"},{"speaker":"Carl Widger","startTime":3290.3489999999997,"endTime":3297.219,"body":"I haven't finished it yet. Andy,"},{"speaker":"Carl Widger","startTime":3290.3489999999997,"endTime":3297.219,"body":"it's really good and and I am"},{"speaker":"Carl Widger","startTime":3297.219,"endTime":3300.459,"body":"actually enjoying the the"},{"speaker":"Carl Widger","startTime":3297.219,"endTime":3300.459,"body":"discipline of sitting down. But"},{"speaker":"Carl Widger","startTime":3300.459,"endTime":3303.219,"body":"you see, that's the difference."},{"speaker":"Carl Widger","startTime":3300.459,"endTime":3303.219,"body":"For me, it is a discipline, as"},{"speaker":"Carl Widger","startTime":3303.219,"endTime":3306.3089999999997,"body":"opposed to you boys go and enjoy"},{"speaker":"Carl Widger","startTime":3303.219,"endTime":3306.3089999999997,"body":"it or whatever. So maybe I can"},{"speaker":"Carl Widger","startTime":3306.5789999999997,"endTime":3309.489,"body":"turn one into the other on"},{"speaker":"Carl Widger","startTime":3306.5789999999997,"endTime":3309.489,"body":"Audible, then you know, I might"},{"speaker":"Carl Widger","startTime":3309.489,"endTime":3314.259,"body":"have two, three on the goal at"},{"speaker":"Carl Widger","startTime":3309.489,"endTime":3314.259,"body":"any one time. And in this growth"},{"speaker":"Carl Widger","startTime":3314.259,"endTime":3317.709,"body":"mindset piece, right. So we"},{"speaker":"Carl Widger","startTime":3314.259,"endTime":3317.709,"body":"spoke about the Eckhart Tolle"},{"speaker":"Carl Widger","startTime":3317.709,"endTime":3320.499,"body":"book and I couldn't get it at"},{"speaker":"Carl Widger","startTime":3317.709,"endTime":3320.499,"body":"all right? But I am trying to"},{"speaker":"Carl Widger","startTime":3320.499,"endTime":3323.919,"body":"push myself to read some stuff"},{"speaker":"Carl Widger","startTime":3320.499,"endTime":3323.919,"body":"that will push me a small bit."},{"speaker":"Carl Widger","startTime":3323.919,"endTime":3329.6189999999997,"body":"So one I have just finished. In"},{"speaker":"Carl Widger","startTime":3323.919,"endTime":3329.6189999999997,"body":"my long walks that have become"},{"speaker":"Carl Widger","startTime":3329.6189999999997,"endTime":3333.999,"body":"part of my routine as a result"},{"speaker":"Carl Widger","startTime":3329.6189999999997,"endTime":3333.999,"body":"of my sore back is the Anthony"},{"speaker":"Carl Widger","startTime":3333.999,"endTime":3338.109,"body":"de Mello book called awareness"},{"speaker":"Carl Widger","startTime":3333.999,"endTime":3338.109,"body":"and I can't remember where I saw"},{"speaker":"Carl Widger","startTime":3338.109,"endTime":3342.0389999999998,"body":"the recommendation for this, but"},{"speaker":"Carl Widger","startTime":3338.109,"endTime":3342.0389999999998,"body":"I listened to that. It's very"},{"speaker":"Carl Widger","startTime":3342.0389999999998,"endTime":3345.429,"body":"similar, actually, to the"},{"speaker":"Carl Widger","startTime":3342.0389999999998,"endTime":3345.429,"body":"Eckhart Tolle, but probably a"},{"speaker":"Carl Widger","startTime":3345.429,"endTime":3348.609,"body":"little bit more relatable for"},{"speaker":"Carl Widger","startTime":3345.429,"endTime":3348.609,"body":"me, but definitely on the same"},{"speaker":"Carl Widger","startTime":3348.609,"endTime":3353.199,"body":"vein, so I would say, you know,"},{"speaker":"Carl Widger","startTime":3348.609,"endTime":3353.199,"body":"push yourself to maybe go a"},{"speaker":"Carl Widger","startTime":3353.199,"endTime":3357.009,"body":"little bit outside your comfort"},{"speaker":"Carl Widger","startTime":3353.199,"endTime":3357.009,"body":"zone, as like, I would love the"},{"speaker":"Carl Widger","startTime":3357.0389999999998,"endTime":3359.409,"body":"atomic habits and the"},{"speaker":"Carl Widger","startTime":3357.0389999999998,"endTime":3359.409,"body":"essentialism, they're all pretty"},{"speaker":"Carl Widger","startTime":3359.409,"endTime":3361.689,"body":"much down the same vein, and"},{"speaker":"Carl Widger","startTime":3359.409,"endTime":3361.689,"body":"they're all pretty much telling"},{"speaker":"Carl Widger","startTime":3361.689,"endTime":3365.319,"body":"me the same thing stuff that I"},{"speaker":"Carl Widger","startTime":3361.689,"endTime":3365.319,"body":"already know, but that I should"},{"speaker":"Carl Widger","startTime":3365.3489999999997,"endTime":3368.679,"body":"that I thought I should be doing"},{"speaker":"Carl Widger","startTime":3365.3489999999997,"endTime":3368.679,"body":"a little bit more of. Andrew, do"},{"speaker":"Carl Widger","startTime":3368.679,"endTime":3371.949,"body":"you want to interject there?"},{"speaker":"Carl Widger","startTime":3368.679,"endTime":3371.949,"body":"Before I keep going, though,"},{"speaker":"Andy Hart","startTime":3371.95,"endTime":3373.93,"body":"I was just saying you"},{"speaker":"Andy Hart","startTime":3371.95,"endTime":3373.93,"body":"mentioned atomic habits mate"},{"speaker":"Andy Hart","startTime":3373.96,"endTime":3377.44,"body":"right on cue. So all good. You"},{"speaker":"Andy Hart","startTime":3373.96,"endTime":3377.44,"body":"Carry on, mate. I've got a book"},{"speaker":"Andy Hart","startTime":3377.44,"endTime":3378.88,"body":"recommendation to share in a"},{"speaker":"Andy Hart","startTime":3377.44,"endTime":3378.88,"body":"minute."},{"speaker":"Carl Widger","startTime":3381.16,"endTime":3384.2799999999997,"body":"Excellent."},{"speaker":"Carl Widger","startTime":3381.16,"endTime":3384.2799999999997,"body":"newsletters, right? So"},{"speaker":"Carl Widger","startTime":3384.31,"endTime":3388.42,"body":"newsletters and finding people"},{"speaker":"Carl Widger","startTime":3384.31,"endTime":3388.42,"body":"and I'm going to give credit to"},{"speaker":"Carl Widger","startTime":3388.42,"endTime":3391.33,"body":"Alan here. So Alan thinks that I"},{"speaker":"Carl Widger","startTime":3388.42,"endTime":3391.33,"body":"don't listen to him all the"},{"speaker":"Carl Widger","startTime":3391.33,"endTime":3397.9,"body":"time. Right. But I do. I"},{"speaker":"Carl Widger","startTime":3391.33,"endTime":3397.9,"body":"subscribe to James Dave Zoller"},{"speaker":"Carl Widger","startTime":3397.9,"endTime":3402.13,"body":"as a result of a trap"},{"speaker":"Carl Widger","startTime":3397.9,"endTime":3402.13,"body":"recommendation. Really good"},{"speaker":"Carl Widger","startTime":3402.13,"endTime":3407.29,"body":"song, man, and maybe not so but"},{"speaker":"Carl Widger","startTime":3402.13,"endTime":3407.29,"body":"hey, does anybody any of us, you"},{"speaker":"Carl Widger","startTime":3407.29,"endTime":3410.62,"body":"know, put content out there that"},{"speaker":"Carl Widger","startTime":3407.29,"endTime":3410.62,"body":"all of it is brilliant? No. And"},{"speaker":"Carl Widger","startTime":3410.62,"endTime":3414.0699999999997,"body":"I think you know, so this goes"},{"speaker":"Carl Widger","startTime":3410.62,"endTime":3414.0699999999997,"body":"back to the if you want to be"},{"speaker":"Carl Widger","startTime":3414.3399999999997,"endTime":3418.21,"body":"the best financial planner, you"},{"speaker":"Carl Widger","startTime":3414.3399999999997,"endTime":3418.21,"body":"know, that that's you, you"},{"speaker":"Carl Widger","startTime":3418.21,"endTime":3421.0899999999997,"body":"absolutely can be. There's"},{"speaker":"Carl Widger","startTime":3418.21,"endTime":3421.0899999999997,"body":"people out there producing"},{"speaker":"Carl Widger","startTime":3421.0899999999997,"endTime":3423.58,"body":"amazing content, and you just"},{"speaker":"Carl Widger","startTime":3421.0899999999997,"endTime":3423.58,"body":"have to subscribe to their"},{"speaker":"Carl Widger","startTime":3423.58,"endTime":3428.29,"body":"newsletters. And another one"},{"speaker":"Carl Widger","startTime":3423.58,"endTime":3428.29,"body":"that I'm really enjoying, but"},{"speaker":"Carl Widger","startTime":3428.3199999999997,"endTime":3432.88,"body":"But it's because it's January,"},{"speaker":"Carl Widger","startTime":3428.3199999999997,"endTime":3432.88,"body":"and the mindset is reset and"},{"speaker":"Carl Widger","startTime":3432.88,"endTime":3438.0699999999997,"body":"refocus. is done, Marie Surtur"},{"speaker":"Carl Widger","startTime":3432.88,"endTime":3438.0699999999997,"body":"is that the one? I think Alan,"},{"speaker":"Carl Widger","startTime":3438.0699999999997,"endTime":3442.75,"body":"you recommended that one as"},{"speaker":"Carl Widger","startTime":3438.0699999999997,"endTime":3442.75,"body":"well. And if I'm gonna give Andy"},{"speaker":"Carl Widger","startTime":3442.75,"endTime":3447.97,"body":"a plug because it's deserved."},{"speaker":"Carl Widger","startTime":3442.75,"endTime":3447.97,"body":"Home Premium is just fantastic."},{"speaker":"Carl Widger","startTime":3447.97,"endTime":3450.49,"body":"And to share with all of my"},{"speaker":"Carl Widger","startTime":3447.97,"endTime":3450.49,"body":"people in here all of the time."},{"speaker":"Carl Widger","startTime":3450.7599999999998,"endTime":3454.18,"body":"So the these, that's a mix of"},{"speaker":"Carl Widger","startTime":3450.7599999999998,"endTime":3454.18,"body":"you know, financial planning"},{"speaker":"Carl Widger","startTime":3454.21,"endTime":3458.0499999999997,"body":"newsletters, and personal growth"},{"speaker":"Carl Widger","startTime":3454.21,"endTime":3458.0499999999997,"body":"newsletters, that kind of stuff,"},{"speaker":"Carl Widger","startTime":3458.0499999999997,"endTime":3461.77,"body":"I think could be really good."},{"speaker":"Carl Widger","startTime":3458.0499999999997,"endTime":3461.77,"body":"I've said it, I've said it time"},{"speaker":"Carl Widger","startTime":3461.77,"endTime":3466.48,"body":"and time again, Insight Timer is"},{"speaker":"Carl Widger","startTime":3461.77,"endTime":3466.48,"body":"the best 70 euros I spend every"},{"speaker":"Carl Widger","startTime":3466.48,"endTime":3474.16,"body":"single year. If if you're having"},{"speaker":"Carl Widger","startTime":3466.48,"endTime":3474.16,"body":"any struggles with your sleep,"},{"speaker":"Carl Widger","startTime":3474.73,"endTime":3480.16,"body":"with anxiety, with stress, get"},{"speaker":"Carl Widger","startTime":3474.73,"endTime":3480.16,"body":"onto meditation, and I promise"},{"speaker":"Carl Widger","startTime":3480.16,"endTime":3482.8599999999997,"body":"you, if you're having the"},{"speaker":"Carl Widger","startTime":3480.16,"endTime":3482.8599999999997,"body":"struggles with sleep, anxiety"},{"speaker":"Carl Widger","startTime":3482.8599999999997,"endTime":3487.66,"body":"and stress, it will not work at"},{"speaker":"Carl Widger","startTime":3482.8599999999997,"endTime":3487.66,"body":"the start. But stick with it."},{"speaker":"Carl Widger","startTime":3487.8399999999997,"endTime":3490.93,"body":"And there's loads of different"},{"speaker":"Carl Widger","startTime":3487.8399999999997,"endTime":3490.93,"body":"types of meditations you can do."},{"speaker":"Carl Widger","startTime":3490.93,"endTime":3494.0499999999997,"body":"Some are guided, you can do"},{"speaker":"Carl Widger","startTime":3490.93,"endTime":3494.0499999999997,"body":"yoga, Nidra, but some are just"},{"speaker":"Carl Widger","startTime":3494.3199999999997,"endTime":3496.2999999999997,"body":"talks that can put you to sleep,"},{"speaker":"Carl Widger","startTime":3494.3199999999997,"endTime":3496.2999999999997,"body":"Alan."},{"speaker":"Alan Smith","startTime":3498.04,"endTime":3501.7,"body":"Thanks, Cole. Very"},{"speaker":"Alan Smith","startTime":3498.04,"endTime":3501.7,"body":"insightful, I use calm. And I've"},{"speaker":"Alan Smith","startTime":3501.7,"endTime":3505.2999999999997,"body":"been using that for quite a long"},{"speaker":"Alan Smith","startTime":3501.7,"endTime":3505.2999999999997,"body":"time, and does all that as well."},{"speaker":"Alan Smith","startTime":3505.72,"endTime":3508.66,"body":"But just just another point on"},{"speaker":"Alan Smith","startTime":3505.72,"endTime":3508.66,"body":"this innocent again, this is a"},{"speaker":"Alan Smith","startTime":3508.66,"endTime":3512.23,"body":"kind of a confession that I"},{"speaker":"Alan Smith","startTime":3508.66,"endTime":3512.23,"body":"suppose or disclosure and and"},{"speaker":"Alan Smith","startTime":3512.23,"endTime":3514.93,"body":"bring us right up to date. I've"},{"speaker":"Alan Smith","startTime":3512.23,"endTime":3514.93,"body":"just done something over this"},{"speaker":"Alan Smith","startTime":3514.93,"endTime":3521.08,"body":"weekend to hopefully help help"},{"speaker":"Alan Smith","startTime":3514.93,"endTime":3521.08,"body":"myself. I have, I find myself"},{"speaker":"Alan Smith","startTime":3521.1099999999997,"endTime":3525.16,"body":"during idle moments like I'm"},{"speaker":"Alan Smith","startTime":3521.1099999999997,"endTime":3525.16,"body":"buying a coffee in a coffee shop"},{"speaker":"Alan Smith","startTime":3525.16,"endTime":3528.58,"body":"or I'm just Dude, get my phone"},{"speaker":"Alan Smith","startTime":3525.16,"endTime":3528.58,"body":"out. And I go on social media,"},{"speaker":"Alan Smith","startTime":3528.67,"endTime":3533.38,"body":"and I scroll social media. And"},{"speaker":"Alan Smith","startTime":3528.67,"endTime":3533.38,"body":"I'm very aware of this. And we"},{"speaker":"Alan Smith","startTime":3533.38,"endTime":3536.62,"body":"spoke about it I think last year"},{"speaker":"Alan Smith","startTime":3533.38,"endTime":3536.62,"body":"this dopamine was it called"},{"speaker":"Alan Smith","startTime":3536.62,"endTime":3539.7999999999997,"body":"dopamine nation or something to"},{"speaker":"Alan Smith","startTime":3536.62,"endTime":3539.7999999999997,"body":"boot this boot. This is very"},{"speaker":"Alan Smith","startTime":3539.7999999999997,"endTime":3543.64,"body":"well documented. We know if we"},{"speaker":"Alan Smith","startTime":3539.7999999999997,"endTime":3543.64,"body":"see something on social media,"},{"speaker":"Alan Smith","startTime":3544.69,"endTime":3547.39,"body":"you know, the world is obsessed"},{"speaker":"Alan Smith","startTime":3544.69,"endTime":3547.39,"body":"with if I'm on a train everyone"},{"speaker":"Alan Smith","startTime":3547.39,"endTime":3550.93,"body":"scrolling Facebook and Instagram"},{"speaker":"Alan Smith","startTime":3547.39,"endTime":3550.93,"body":"and all that sort of stuff. And"},{"speaker":"Alan Smith","startTime":3550.93,"endTime":3553.75,"body":"it gives you a dopamine hit. And"},{"speaker":"Alan Smith","startTime":3550.93,"endTime":3553.75,"body":"it gives you a little fuzzy like"},{"speaker":"Alan Smith","startTime":3553.75,"endTime":3556.9,"body":"that. And book reading doesn't"},{"speaker":"Alan Smith","startTime":3553.75,"endTime":3556.9,"body":"give you the same sitting down"},{"speaker":"Alan Smith","startTime":3556.9,"endTime":3559.96,"body":"and reading long form books for"},{"speaker":"Alan Smith","startTime":3556.9,"endTime":3559.96,"body":"you know, an hour at a time does"},{"speaker":"Alan Smith","startTime":3559.96,"endTime":3566.65,"body":"not give you that same dopamine"},{"speaker":"Alan Smith","startTime":3559.96,"endTime":3566.65,"body":"high. And I've also been aware"},{"speaker":"Alan Smith","startTime":3566.65,"endTime":3570.25,"body":"of this. And I know that if"},{"speaker":"Alan Smith","startTime":3566.65,"endTime":3570.25,"body":"given a chance often if I'm just"},{"speaker":"Alan Smith","startTime":3570.2799999999997,"endTime":3572.5899999999997,"body":"waiting in Starbucks for a"},{"speaker":"Alan Smith","startTime":3570.2799999999997,"endTime":3572.5899999999997,"body":"coffee, I'll flick through"},{"speaker":"Alan Smith","startTime":3572.5899999999997,"endTime":3576.3399999999997,"body":"Twitter and see what's going on"},{"speaker":"Alan Smith","startTime":3572.5899999999997,"endTime":3576.3399999999997,"body":"in that. And then I don't like"},{"speaker":"Alan Smith","startTime":3576.3399999999997,"endTime":3579.46,"body":"myself for it, because it's"},{"speaker":"Alan Smith","startTime":3576.3399999999997,"endTime":3579.46,"body":"detracting from me reading long"},{"speaker":"Alan Smith","startTime":3579.46,"endTime":3583.72,"body":"form books. So the only way of"},{"speaker":"Alan Smith","startTime":3579.46,"endTime":3583.72,"body":"dealing with this, I've just did"},{"speaker":"Alan Smith","startTime":3583.72,"endTime":3587.23,"body":"it over the weekend. I've"},{"speaker":"Alan Smith","startTime":3583.72,"endTime":3587.23,"body":"downloaded an app called App"},{"speaker":"Alan Smith","startTime":3587.2599999999998,"endTime":3591.73,"body":"blocker. And I'll tell you what,"},{"speaker":"Alan Smith","startTime":3587.2599999999998,"endTime":3591.73,"body":"you can't break into this short"},{"speaker":"Alan Smith","startTime":3591.73,"endTime":3594.64,"body":"of throwing your phone in the"},{"speaker":"Alan Smith","startTime":3591.73,"endTime":3594.64,"body":"bin you can't you I've sheduled"},{"speaker":"Alan Smith","startTime":3594.64,"endTime":3597.85,"body":"it for certain times. And I'm"},{"speaker":"Alan Smith","startTime":3594.64,"endTime":3597.85,"body":"very much limit the time I can"},{"speaker":"Alan Smith","startTime":3597.85,"endTime":3601.69,"body":"use any form of social media was"},{"speaker":"Alan Smith","startTime":3597.85,"endTime":3601.69,"body":"also the way I set it. It also"},{"speaker":"Alan Smith","startTime":3601.69,"endTime":3605.17,"body":"includes WhatsApp. So I don't"},{"speaker":"Alan Smith","startTime":3601.69,"endTime":3605.17,"body":"get all the nonsense from you"},{"speaker":"Alan Smith","startTime":3605.17,"endTime":3609.22,"body":"guys. And it was such frequency."},{"speaker":"Alan Smith","startTime":3605.17,"endTime":3609.22,"body":"And so I just locked myself up"},{"speaker":"Alan Smith","startTime":3609.25,"endTime":3611.29,"body":"and I can't use it. And it's"},{"speaker":"Alan Smith","startTime":3609.25,"endTime":3611.29,"body":"very interesting, because after"},{"speaker":"Alan Smith","startTime":3611.29,"endTime":3615.1,"body":"a while you think your natural"},{"speaker":"Alan Smith","startTime":3611.29,"endTime":3615.1,"body":"response is I'll quickly jump on"},{"speaker":"Alan Smith","startTime":3615.1,"endTime":3618.22,"body":"my phone and check Twitter or"},{"speaker":"Alan Smith","startTime":3615.1,"endTime":3618.22,"body":"LinkedIn or something, I think"},{"speaker":"Alan Smith","startTime":3618.25,"endTime":3621.13,"body":"Oh shit, I can't I can't What"},{"speaker":"Alan Smith","startTime":3618.25,"endTime":3621.13,"body":"should I do now? I might as well"},{"speaker":"Alan Smith","startTime":3621.13,"endTime":3623.83,"body":"open the Kindle app, I could"},{"speaker":"Alan Smith","startTime":3621.13,"endTime":3623.83,"body":"read 20 pages of a Kindle app"},{"speaker":"Alan Smith","startTime":3623.83,"endTime":3626.8599999999997,"body":"because of a Kindle whilst I'm"},{"speaker":"Alan Smith","startTime":3623.83,"endTime":3626.8599999999997,"body":"doing that, and it's far better."},{"speaker":"Alan Smith","startTime":3626.8599999999997,"endTime":3629.7999999999997,"body":"So I think it's understanding"},{"speaker":"Alan Smith","startTime":3626.8599999999997,"endTime":3629.7999999999997,"body":"your limitations. As we know"},{"speaker":"Alan Smith","startTime":3629.7999999999997,"endTime":3632.83,"body":"it's a bit like we were saying"},{"speaker":"Alan Smith","startTime":3629.7999999999997,"endTime":3632.83,"body":"before the DTC platforms"},{"speaker":"Alan Smith","startTime":3632.8599999999997,"endTime":3636.46,"body":"bombarding us with information"},{"speaker":"Alan Smith","startTime":3632.8599999999997,"endTime":3636.46,"body":"as humans we respond to similar"},{"speaker":"Alan Smith","startTime":3636.46,"endTime":3639.22,"body":"with social media, we get we"},{"speaker":"Alan Smith","startTime":3636.46,"endTime":3639.22,"body":"respond to this stuff, there's"},{"speaker":"Alan Smith","startTime":3639.22,"endTime":3642.52,"body":"no question about, you know,"},{"speaker":"Alan Smith","startTime":3639.22,"endTime":3642.52,"body":"you're only human. So the only"},{"speaker":"Alan Smith","startTime":3642.52,"endTime":3646.42,"body":"way you can deal with that is by"},{"speaker":"Alan Smith","startTime":3642.52,"endTime":3646.42,"body":"eliminating the option of"},{"speaker":"Alan Smith","startTime":3646.42,"endTime":3649.06,"body":"actually doing stuff, which is"},{"speaker":"Alan Smith","startTime":3646.42,"endTime":3649.06,"body":"kind of negative in the short"},{"speaker":"Alan Smith","startTime":3649.06,"endTime":3650.65,"body":"term. And you've got a thought."},{"speaker":"Andy Hart","startTime":3650.98,"endTime":3654.04,"body":"I'm very intrigued to"},{"speaker":"Andy Hart","startTime":3650.98,"endTime":3654.04,"body":"hear how you get on with that"},{"speaker":"Andy Hart","startTime":3654.04,"endTime":3656.83,"body":"Ireland term. So we'll talk"},{"speaker":"Andy Hart","startTime":3654.04,"endTime":3656.83,"body":"about that as it develops. I'm"},{"speaker":"Andy Hart","startTime":3656.83,"endTime":3659.5,"body":"just gonna mention this. But"},{"speaker":"Andy Hart","startTime":3656.83,"endTime":3659.5,"body":"this, according to me, I believe"},{"speaker":"Andy Hart","startTime":3659.5,"endTime":3662.8599999999997,"body":"is the Bible to this mighty"},{"speaker":"Andy Hart","startTime":3659.5,"endTime":3662.8599999999997,"body":"profession Nick Murray around"},{"speaker":"Andy Hart","startTime":3662.8599999999997,"endTime":3668.77,"body":"the year. It's basically 365"},{"speaker":"Andy Hart","startTime":3662.8599999999997,"endTime":3668.77,"body":"snippets of various things that"},{"speaker":"Andy Hart","startTime":3668.77,"endTime":3675.16,"body":"you do as a financial planner."},{"speaker":"Andy Hart","startTime":3668.77,"endTime":3675.16,"body":"So in 2023, I try to read a"},{"speaker":"Andy Hart","startTime":3675.16,"endTime":3681.0099999999998,"body":"section every day Got two July."},{"speaker":"Andy Hart","startTime":3675.16,"endTime":3681.0099999999998,"body":"So I'm starting 2024 in July to"},{"speaker":"Andy Hart","startTime":3681.0099999999998,"endTime":3683.77,"body":"the end of the year. Get your"},{"speaker":"Andy Hart","startTime":3681.0099999999998,"endTime":3683.77,"body":"hands on this book, if you can,"},{"speaker":"Andy Hart","startTime":3683.7999999999997,"endTime":3686.23,"body":"if you can find it. It's pretty"},{"speaker":"Andy Hart","startTime":3683.7999999999997,"endTime":3686.23,"body":"thick. I've been through it"},{"speaker":"Andy Hart","startTime":3686.23,"endTime":3690.79,"body":"about four or five times. Yeah."},{"speaker":"Andy Hart","startTime":3686.23,"endTime":3690.79,"body":"So it's a massive recommendation"},{"speaker":"Andy Hart","startTime":3690.79,"endTime":3692.23,"body":"for around the year by Nick"},{"speaker":"Andy Hart","startTime":3690.79,"endTime":3692.23,"body":"Murray."},{"speaker":"Carl Widger","startTime":3693.819,"endTime":3696.279,"body":"You'll be glad to"},{"speaker":"Carl Widger","startTime":3693.819,"endTime":3696.279,"body":"hear Andy that Nick Murray is"},{"speaker":"Carl Widger","startTime":3696.279,"endTime":3701.8889999999997,"body":"doing a prospecting conference"},{"speaker":"Carl Widger","startTime":3696.279,"endTime":3701.8889999999997,"body":"seminar. And Metis Ireland have"},{"speaker":"Carl Widger","startTime":3701.8889999999997,"endTime":3704.8889999999997,"body":"signed up to it. So we're all"},{"speaker":"Carl Widger","startTime":3701.8889999999997,"endTime":3704.8889999999997,"body":"going to watch it together. So"},{"speaker":"Carl Widger","startTime":3704.8889999999997,"endTime":3708.249,"body":"that's happening. Everybody"},{"speaker":"Carl Widger","startTime":3704.8889999999997,"endTime":3708.249,"body":"should have got that invite."},{"speaker":"Carl Widger","startTime":3708.279,"endTime":3712.359,"body":"Yeah. So it's really good. It's"},{"speaker":"Carl Widger","startTime":3708.279,"endTime":3712.359,"body":"just a bores me because I've"},{"speaker":"Carl Widger","startTime":3712.359,"endTime":3714.8489999999997,"body":"seen so much of it. And I just"},{"speaker":"Carl Widger","startTime":3712.359,"endTime":3714.8489999999997,"body":"think it's a lot of repetition."},{"speaker":"Carl Widger","startTime":3715.1189999999997,"endTime":3718.299,"body":"But that doesn't mean that it"},{"speaker":"Carl Widger","startTime":3715.1189999999997,"endTime":3718.299,"body":"won't be very helpful for a lot"},{"speaker":"Carl Widger","startTime":3718.299,"endTime":3721.359,"body":"of the new people that we've got"},{"speaker":"Carl Widger","startTime":3718.299,"endTime":3721.359,"body":"in the business, on your point"},{"speaker":"Carl Widger","startTime":3721.359,"endTime":3724.089,"body":"on and about the social media"},{"speaker":"Carl Widger","startTime":3721.359,"endTime":3724.089,"body":"and that kind of stuff. So look,"},{"speaker":"Carl Widger","startTime":3724.089,"endTime":3726.879,"body":"I you put it up blockers and all"},{"speaker":"Carl Widger","startTime":3724.089,"endTime":3726.879,"body":"of that kind of stuff. But I"},{"speaker":"Carl Widger","startTime":3726.879,"endTime":3729.969,"body":"think the first point of all of"},{"speaker":"Carl Widger","startTime":3726.879,"endTime":3729.969,"body":"that is to get really"},{"speaker":"Carl Widger","startTime":3729.969,"endTime":3733.8689999999997,"body":"intentional with it. And to, you"},{"speaker":"Carl Widger","startTime":3729.969,"endTime":3733.8689999999997,"body":"know, actually talk to yourself"},{"speaker":"Carl Widger","startTime":3733.8689999999997,"endTime":3737.499,"body":"about, you know, no social media"},{"speaker":"Carl Widger","startTime":3733.8689999999997,"endTime":3737.499,"body":"at night, I started doing it."},{"speaker":"Carl Widger","startTime":3737.859,"endTime":3741.819,"body":"Like Andy says, let's see how"},{"speaker":"Carl Widger","startTime":3737.859,"endTime":3741.819,"body":"that's going for me in a month's"},{"speaker":"Carl Widger","startTime":3741.819,"endTime":3744.759,"body":"time, right? Because it's"},{"speaker":"Carl Widger","startTime":3741.819,"endTime":3744.759,"body":"January, it's kind of easy. I"},{"speaker":"Carl Widger","startTime":3744.759,"endTime":3749.2889999999998,"body":"have to say, I have said this to"},{"speaker":"Carl Widger","startTime":3744.759,"endTime":3749.2889999999998,"body":"you guys privately. Twitter is"},{"speaker":"Carl Widger","startTime":3749.949,"endTime":3752.979,"body":"it's definitely not giving me"},{"speaker":"Carl Widger","startTime":3749.949,"endTime":3752.979,"body":"any dopamine hits. At the"},{"speaker":"Carl Widger","startTime":3752.979,"endTime":3758.469,"body":"moment, I am more and more,"},{"speaker":"Carl Widger","startTime":3752.979,"endTime":3758.469,"body":"being less and less intrigued by"},{"speaker":"Carl Widger","startTime":3758.469,"endTime":3762.669,"body":"it. Not loving it at all. And I"},{"speaker":"Carl Widger","startTime":3758.469,"endTime":3762.669,"body":"do see a lot of the people that"},{"speaker":"Carl Widger","startTime":3762.669,"endTime":3765.3689999999997,"body":"I would have followed on Twitter"},{"speaker":"Carl Widger","startTime":3762.669,"endTime":3765.3689999999997,"body":"are now opening their LinkedIn"},{"speaker":"Carl Widger","startTime":3765.3689999999997,"endTime":3768.249,"body":"game big time, Steven partners"},{"speaker":"Carl Widger","startTime":3765.3689999999997,"endTime":3768.249,"body":"will be a great example of that."},{"speaker":"Carl Widger","startTime":3768.489,"endTime":3771.819,"body":"So I'm finding everything that I"},{"speaker":"Carl Widger","startTime":3768.489,"endTime":3771.819,"body":"need on on LinkedIn, and an"},{"speaker":"Carl Widger","startTime":3771.819,"endTime":3776.169,"body":"offline and any that any day I"},{"speaker":"Carl Widger","startTime":3771.819,"endTime":3776.169,"body":"grow any of the people trying to"},{"speaker":"Carl Widger","startTime":3776.169,"endTime":3780.129,"body":"push out their, you know, their"},{"speaker":"Carl Widger","startTime":3776.169,"endTime":3780.129,"body":"views, over and over and over"},{"speaker":"Carl Widger","startTime":3780.129,"endTime":3781.419,"body":"and over and over again, get"},{"speaker":"Andy Hart","startTime":3781.42,"endTime":3783.8199999999997,"body":"yourself over to tick"},{"speaker":"Andy Hart","startTime":3781.42,"endTime":3783.8199999999997,"body":"tock me that's that's where you"},{"speaker":"Andy Hart","startTime":3783.8199999999997,"endTime":3787.21,"body":"learn the most. Overload."},{"speaker":"Nick Lincoln","startTime":3787.42,"endTime":3790.0299999999997,"body":"I'm nearly a year"},{"speaker":"Nick Lincoln","startTime":3787.42,"endTime":3790.0299999999997,"body":"tick tock is"},{"speaker":"Carl Widger","startTime":3790.5099999999998,"endTime":3793.5699999999997,"body":"nearly two years"},{"speaker":"Carl Widger","startTime":3790.5099999999998,"endTime":3793.5699999999997,"body":"off Instagram and Facebook. And"},{"speaker":"Carl Widger","startTime":3793.5699999999997,"endTime":3796.8399999999997,"body":"when I deleted them, I thought"},{"speaker":"Carl Widger","startTime":3793.5699999999997,"endTime":3796.8399999999997,"body":"it was a temporary measure. And"},{"speaker":"Carl Widger","startTime":3796.8399999999997,"endTime":3801.6099999999997,"body":"they never ever, ever went back"},{"speaker":"Carl Widger","startTime":3796.8399999999997,"endTime":3801.6099999999997,"body":"in and as my life better first"},{"speaker":"Carl Widger","startTime":3801.7599999999998,"endTime":3806.1099999999997,"body":"without question. And I'm"},{"speaker":"Carl Widger","startTime":3801.7599999999998,"endTime":3806.1099999999997,"body":"seriously considering whether I"},{"speaker":"Carl Widger","startTime":3806.1099999999997,"endTime":3809.56,"body":"might be going down the same"},{"speaker":"Carl Widger","startTime":3806.1099999999997,"endTime":3809.56,"body":"road on Twitter, and maybe"},{"speaker":"Carl Widger","startTime":3809.56,"endTime":3813.5499999999997,"body":"focusing a little bit more on on"},{"speaker":"Carl Widger","startTime":3809.56,"endTime":3813.5499999999997,"body":"LinkedIn. And I know Nick your"},{"speaker":"Carl Widger","startTime":3813.5499999999997,"endTime":3816.0099999999998,"body":"views on LinkedIn which don't"},{"speaker":"Carl Widger","startTime":3813.5499999999997,"endTime":3816.0099999999998,"body":"agree with mine, but I"},{"speaker":"Nick Lincoln","startTime":3816.0099999999998,"endTime":3820.0899999999997,"body":"try to try to I am"},{"speaker":"Nick Lincoln","startTime":3816.0099999999998,"endTime":3820.0899999999997,"body":"trying so I am trying to get"},{"speaker":"Nick Lincoln","startTime":3820.0899999999997,"endTime":3823.3599999999997,"body":"better with LinkedIn. I'm"},{"speaker":"Nick Lincoln","startTime":3820.0899999999997,"endTime":3823.3599999999997,"body":"actually they're doing a course"},{"speaker":"Nick Lincoln","startTime":3823.5099999999998,"endTime":3826.15,"body":"that if you guys had emails from"},{"speaker":"Nick Lincoln","startTime":3823.5099999999998,"endTime":3826.15,"body":"LinkedIn, they email me directly"},{"speaker":"Nick Lincoln","startTime":3826.15,"endTime":3830.35,"body":"to to do content, how to how to"},{"speaker":"Nick Lincoln","startTime":3826.15,"endTime":3830.35,"body":"how to do content on LinkedIn."},{"speaker":"Nick Lincoln","startTime":3830.35,"endTime":3834.0699999999997,"body":"And I've got a Zoom meeting zoom"},{"speaker":"Nick Lincoln","startTime":3830.35,"endTime":3834.0699999999997,"body":"thing tomorrow. With with"},{"speaker":"Nick Lincoln","startTime":3834.49,"endTime":3836.23,"body":"obviously not just me and"},{"speaker":"Nick Lincoln","startTime":3834.49,"endTime":3836.23,"body":"LinkedIn, but a whole host of"},{"speaker":"Nick Lincoln","startTime":3836.23,"endTime":3839.3199999999997,"body":"people being taught out by"},{"speaker":"Nick Lincoln","startTime":3836.23,"endTime":3839.3199999999997,"body":"LinkedIn people on how to get"},{"speaker":"Nick Lincoln","startTime":3839.3199999999997,"endTime":3841.72,"body":"better content, how to get it"},{"speaker":"Nick Lincoln","startTime":3839.3199999999997,"endTime":3841.72,"body":"out there. So I'm looking at it"},{"speaker":"Nick Lincoln","startTime":3841.72,"endTime":3843.58,"body":"and I think you just got to,"},{"speaker":"Nick Lincoln","startTime":3841.72,"endTime":3843.58,"body":"you've got to silo them off,"},{"speaker":"Nick Lincoln","startTime":3843.58,"endTime":3846.25,"body":"right? Twitter is just, you"},{"speaker":"Nick Lincoln","startTime":3843.58,"endTime":3846.25,"body":"know, front of mind. Get it out"},{"speaker":"Nick Lincoln","startTime":3846.25,"endTime":3847.96,"body":"there you see something you"},{"speaker":"Nick Lincoln","startTime":3846.25,"endTime":3847.96,"body":"think that's a load of bollocks"},{"speaker":"Nick Lincoln","startTime":3847.96,"endTime":3850.2999999999997,"body":"and you tweet it out there?"},{"speaker":"Nick Lincoln","startTime":3847.96,"endTime":3850.2999999999997,"body":"LinkedIn is definitely not for"},{"speaker":"Nick Lincoln","startTime":3850.2999999999997,"endTime":3854.08,"body":"that kind of banter. It's, I"},{"speaker":"Nick Lincoln","startTime":3850.2999999999997,"endTime":3854.08,"body":"mean, it has its issues, as we"},{"speaker":"Nick Lincoln","startTime":3854.08,"endTime":3857.29,"body":"all know, and there's a lot of"},{"speaker":"Nick Lincoln","startTime":3854.08,"endTime":3857.29,"body":"self promotion on it. Which is"},{"speaker":"Nick Lincoln","startTime":3857.35,"endTime":3859.45,"body":"ghastly and there are a lot of"},{"speaker":"Nick Lincoln","startTime":3857.35,"endTime":3859.45,"body":"recruiters on there because"},{"speaker":"Nick Lincoln","startTime":3859.45,"endTime":3861.4,"body":"that's their that's their"},{"speaker":"Nick Lincoln","startTime":3859.45,"endTime":3861.4,"body":"playground, but they're two"},{"speaker":"Nick Lincoln","startTime":3861.4,"endTime":3865.39,"body":"they're two different things."},{"speaker":"Nick Lincoln","startTime":3861.4,"endTime":3865.39,"body":"The sauce like it'd be even more"},{"speaker":"Nick Lincoln","startTime":3865.39,"endTime":3866.74,"body":"to say calm so I just ramble for"},{"speaker":"Nick Lincoln","startTime":3865.39,"endTime":3866.74,"body":"a second"},{"speaker":"Carl Widger","startTime":3868.48,"endTime":3871.18,"body":"No no that's pretty"},{"speaker":"Carl Widger","startTime":3868.48,"endTime":3871.18,"body":"that's pretty much me like I'm"},{"speaker":"Carl Widger","startTime":3871.5099999999998,"endTime":3874.48,"body":"much more old school and don't"},{"speaker":"Carl Widger","startTime":3871.5099999999998,"endTime":3874.48,"body":"do the app so I'll do voice"},{"speaker":"Carl Widger","startTime":3874.48,"endTime":3879.3399999999997,"body":"memos to myself to remind me of"},{"speaker":"Carl Widger","startTime":3874.48,"endTime":3879.3399999999997,"body":"stuff and I all the time always"},{"speaker":"Carl Widger","startTime":3879.3399999999997,"endTime":3883.72,"body":"have my trusty diary and I just"},{"speaker":"Carl Widger","startTime":3879.3399999999997,"endTime":3883.72,"body":"write stuff in there so yeah,"},{"speaker":"Carl Widger","startTime":3883.72,"endTime":3887.38,"body":"I'm trying to get more gold more"},{"speaker":"Carl Widger","startTime":3883.72,"endTime":3887.38,"body":"analog and avoid the digital"},{"speaker":"Carl Widger","startTime":3887.41,"endTime":3891.37,"body":"which might make me a dinosaur I"},{"speaker":"Carl Widger","startTime":3887.41,"endTime":3891.37,"body":"don't know but it fears my brain"},{"speaker":"Nick Lincoln","startTime":3892.48,"endTime":3895.12,"body":"my brain is that's"},{"speaker":"Nick Lincoln","startTime":3892.48,"endTime":3895.12,"body":"the whole point of this session"},{"speaker":"Nick Lincoln","startTime":3895.12,"endTime":3898.06,"body":"is whatever whatever works for"},{"speaker":"Nick Lincoln","startTime":3895.12,"endTime":3898.06,"body":"you you know some people will"},{"speaker":"Nick Lincoln","startTime":3898.0899999999997,"endTime":3900.25,"body":"eventually get the results we"},{"speaker":"Nick Lincoln","startTime":3898.0899999999997,"endTime":3900.25,"body":"need doesn't matter what you do"},{"speaker":"Nick Lincoln","startTime":3900.25,"endTime":3902.41,"body":"and I'm quite impressed call"},{"speaker":"Nick Lincoln","startTime":3900.25,"endTime":3902.41,"body":"that you can write that's"},{"speaker":"Nick Lincoln","startTime":3902.41,"endTime":3910.0899999999997,"body":"another skill I didn't know you"},{"speaker":"Nick Lincoln","startTime":3902.41,"endTime":3910.0899999999997,"body":"had. So I was gonna say and I"},{"speaker":"Nick Lincoln","startTime":3910.0899999999997,"endTime":3912.22,"body":"don't have an app that blocks"},{"speaker":"Nick Lincoln","startTime":3910.0899999999997,"endTime":3912.22,"body":"other apps but what I do do when"},{"speaker":"Nick Lincoln","startTime":3912.22,"endTime":3915.52,"body":"I go out for a walk I do put my"},{"speaker":"Nick Lincoln","startTime":3912.22,"endTime":3915.52,"body":"phone into bloody airplane mode."},{"speaker":"Nick Lincoln","startTime":3916.0299999999997,"endTime":3918.4,"body":"Just so it's not pinging or"},{"speaker":"Nick Lincoln","startTime":3916.0299999999997,"endTime":3918.4,"body":"buzzing or vibrating I know if I"},{"speaker":"Nick Lincoln","startTime":3918.4,"endTime":3919.99,"body":"get out of my pocket there'd be"},{"speaker":"Nick Lincoln","startTime":3918.4,"endTime":3919.99,"body":"nothing on there no"},{"speaker":"Nick Lincoln","startTime":3919.99,"endTime":3923.92,"body":"notifications I know oh yeah."},{"speaker":"Nick Lincoln","startTime":3919.99,"endTime":3923.92,"body":"back my pocket I don't hang"},{"speaker":"Alan Smith","startTime":3923.92,"endTime":3926.68,"body":"on a minute that's"},{"speaker":"Alan Smith","startTime":3923.92,"endTime":3926.68,"body":"that's an obvious one. Ultra"},{"speaker":"Alan Smith","startTime":3926.68,"endTime":3930.94,"body":"told me that years ago remove"},{"speaker":"Alan Smith","startTime":3926.68,"endTime":3930.94,"body":"all notifications which is what"},{"speaker":"Alan Smith","startTime":3930.94,"endTime":3931.63,"body":"I do."},{"speaker":"Andy Hart","startTime":3933.6099999999997,"endTime":3936.5499999999997,"body":"A smartphone dumb"},{"speaker":"Andy Hart","startTime":3933.6099999999997,"endTime":3936.5499999999997,"body":"yeah, I've got no no if you"},{"speaker":"Alan Smith","startTime":3936.5499999999997,"endTime":3939.49,"body":"sent me a whole big"},{"speaker":"Alan Smith","startTime":3936.5499999999997,"endTime":3939.49,"body":"long it took me about four hours"},{"speaker":"Alan Smith","startTime":3939.49,"endTime":3943.24,"body":"to try and do it you got to you"},{"speaker":"Alan Smith","startTime":3939.49,"endTime":3943.24,"body":"know optimize your phone. If you"},{"speaker":"Alan Smith","startTime":3943.27,"endTime":3945.8199999999997,"body":"you can become a victim of your"},{"speaker":"Alan Smith","startTime":3943.27,"endTime":3945.8199999999997,"body":"phone. I mean my god my teenage"},{"speaker":"Alan Smith","startTime":3945.8199999999997,"endTime":3949.33,"body":"son yet will take his foot off"},{"speaker":"Alan Smith","startTime":3945.8199999999997,"endTime":3949.33,"body":"the lid the thing is literally"},{"speaker":"Alan Smith","startTime":3949.33,"endTime":3953.77,"body":"alive. It is vibrates constantly"},{"speaker":"Alan Smith","startTime":3949.33,"endTime":3953.77,"body":"is in your hand is buzzing. I"},{"speaker":"Alan Smith","startTime":3953.77,"endTime":3956.29,"body":"said to him, it just stresses me"},{"speaker":"Alan Smith","startTime":3953.77,"endTime":3956.29,"body":"out even looking at your phone."},{"speaker":"Alan Smith","startTime":3957.22,"endTime":3959.71,"body":"You so I have no notifications"},{"speaker":"Alan Smith","startTime":3957.22,"endTime":3959.71,"body":"given it"},{"speaker":"Andy Hart","startTime":3959.71,"endTime":3960.79,"body":"back. Yeah,"},{"speaker":"Alan Smith","startTime":3960.88,"endTime":3963.04,"body":"I have no"},{"speaker":"Alan Smith","startTime":3960.88,"endTime":3963.04,"body":"notifications, but then I am"},{"speaker":"Alan Smith","startTime":3963.04,"endTime":3966.13,"body":"tempted. And it is usually those"},{"speaker":"Alan Smith","startTime":3963.04,"endTime":3966.13,"body":"I've got spot five or 10"},{"speaker":"Alan Smith","startTime":3966.13,"endTime":3969.7,"body":"minutes. Let me scroll through"},{"speaker":"Alan Smith","startTime":3966.13,"endTime":3969.7,"body":"this. And so I have to take"},{"speaker":"Alan Smith","startTime":3969.7,"endTime":3972.16,"body":"action and I have to block"},{"speaker":"Alan Smith","startTime":3969.7,"endTime":3972.16,"body":"myself from doing it and then"},{"speaker":"Alan Smith","startTime":3972.16,"endTime":3975.25,"body":"give myself permission at"},{"speaker":"Alan Smith","startTime":3972.16,"endTime":3975.25,"body":"certain times to do it. So I'll"},{"speaker":"Alan Smith","startTime":3975.25,"endTime":3978.04,"body":"let you know how it goes. So as"},{"speaker":"Alan Smith","startTime":3975.25,"endTime":3978.04,"body":"a technical"},{"speaker":"Andy Hart","startTime":3978.04,"endTime":3980.56,"body":"point on the iPhone"},{"speaker":"Andy Hart","startTime":3978.04,"endTime":3980.56,"body":"on the iPhone, you can remove"},{"speaker":"Andy Hart","startTime":3980.5899999999997,"endTime":3983.74,"body":"all apps from your homescreen."},{"speaker":"Andy Hart","startTime":3980.5899999999997,"endTime":3983.74,"body":"So I've removed all of my apps"},{"speaker":"Andy Hart","startTime":3983.74,"endTime":3986.23,"body":"from the home screen. So I go"},{"speaker":"Andy Hart","startTime":3983.74,"endTime":3986.23,"body":"into my iPhone when I'm like, I"},{"speaker":"Andy Hart","startTime":3986.23,"endTime":3989.5,"body":"want to book a hotel with"},{"speaker":"Andy Hart","startTime":3986.23,"endTime":3989.5,"body":"Expedia. I have to find Expedia."},{"speaker":"Andy Hart","startTime":3989.71,"endTime":3992.65,"body":"When I want to go into LinkedIn,"},{"speaker":"Andy Hart","startTime":3989.71,"endTime":3992.65,"body":"I have to find LinkedIn to get"},{"speaker":"Andy Hart","startTime":3992.68,"endTime":3995.41,"body":"all of your apps off your"},{"speaker":"Andy Hart","startTime":3992.68,"endTime":3995.41,"body":"homescreen. Yeah, that was said"},{"speaker":"Andy Hart","startTime":3995.41,"endTime":3998.2599999999998,"body":"that that was in the office,"},{"speaker":"Andy Hart","startTime":3995.41,"endTime":3998.2599999999998,"body":"they're not on the homescreen."},{"speaker":"Andy Hart","startTime":3998.5899999999997,"endTime":4001.38,"body":"create friction, if you create"},{"speaker":"Andy Hart","startTime":3998.5899999999997,"endTime":4001.38,"body":"just a little bit of friction"},{"speaker":"Andy Hart","startTime":4001.41,"endTime":4004.38,"body":"between you and the thing,"},{"speaker":"Andy Hart","startTime":4001.41,"endTime":4004.38,"body":"that's not a not a good thing to"},{"speaker":"Andy Hart","startTime":4004.38,"endTime":4008.37,"body":"do. But yeah, it's removing"},{"speaker":"Andy Hart","startTime":4004.38,"endTime":4008.37,"body":"Instagram of Facebook. Carl,"},{"speaker":"Andy Hart","startTime":4008.37,"endTime":4012.96,"body":"I'm, I'm, I'm with you on those."},{"speaker":"Andy Hart","startTime":4008.37,"endTime":4012.96,"body":"They are. They are they are,"},{"speaker":"Andy Hart","startTime":4012.99,"endTime":4014.13,"body":"they are the bad ones."},{"speaker":"Carl Widger","startTime":4014.8199999999997,"endTime":4017.22,"body":"Yes, you have been"},{"speaker":"Carl Widger","startTime":4014.8199999999997,"endTime":4017.22,"body":"on the Mountainsmith. That's a"},{"speaker":"Carl Widger","startTime":4017.22,"endTime":4017.7599999999998,"body":"lie."},{"speaker":"Alan Smith","startTime":4018.75,"endTime":4022.74,"body":"I got a minute on"},{"speaker":"Alan Smith","startTime":4018.75,"endTime":4022.74,"body":"what it is I've dipped my toe"},{"speaker":"Alan Smith","startTime":4022.74,"endTime":4025.83,"body":"and both of the water. The thing"},{"speaker":"Alan Smith","startTime":4022.74,"endTime":4025.83,"body":"about Facebook is which I've"},{"speaker":"Alan Smith","startTime":4025.83,"endTime":4028.3199999999997,"body":"never been involved in, I'm on"},{"speaker":"Alan Smith","startTime":4025.83,"endTime":4028.3199999999997,"body":"it, I've got an account, I've"},{"speaker":"Alan Smith","startTime":4028.3199999999997,"endTime":4032.0099999999998,"body":"got a tick tock account for"},{"speaker":"Alan Smith","startTime":4028.3199999999997,"endTime":4032.0099999999998,"body":"Christ's sake. But there are"},{"speaker":"Alan Smith","startTime":4032.0099999999998,"endTime":4036.81,"body":"some communities and groups that"},{"speaker":"Alan Smith","startTime":4032.0099999999998,"endTime":4036.81,"body":"exist. Like, for example, the"},{"speaker":"Alan Smith","startTime":4036.81,"endTime":4039.9,"body":"dead key person of influence,"},{"speaker":"Alan Smith","startTime":4036.81,"endTime":4039.9,"body":"and it's only on Facebook, so"},{"speaker":"Alan Smith","startTime":4039.9,"endTime":4043.5,"body":"I've had to register for that."},{"speaker":"Alan Smith","startTime":4039.9,"endTime":4043.5,"body":"And and for whatever reason I'm"},{"speaker":"Alan Smith","startTime":4043.5,"endTime":4048.3599999999997,"body":"just I'm very against Zuckerberg"},{"speaker":"Alan Smith","startTime":4043.5,"endTime":4048.3599999999997,"body":"at Facebook, and Instagram and"},{"speaker":"Alan Smith","startTime":4048.3599999999997,"endTime":4050.91,"body":"that whole kind of ecosystem. I"},{"speaker":"Alan Smith","startTime":4048.3599999999997,"endTime":4050.91,"body":"think it's evil, the stuff that"},{"speaker":"Alan Smith","startTime":4050.91,"endTime":4054.48,"body":"they're doing some of their"},{"speaker":"Alan Smith","startTime":4050.91,"endTime":4054.48,"body":"growth, challenges that mainly"},{"speaker":"Alan Smith","startTime":4054.48,"endTime":4059.64,"body":"teenage girls are having with"},{"speaker":"Alan Smith","startTime":4054.48,"endTime":4059.64,"body":"Instagram, et cetera. So I don't"},{"speaker":"Alan Smith","startTime":4059.67,"endTime":4062.91,"body":"I don't love it. But yeah, I've"},{"speaker":"Alan Smith","startTime":4059.67,"endTime":4062.91,"body":"probably got registered for most"},{"speaker":"Alan Smith","startTime":4062.91,"endTime":4065.49,"body":"of these things. But not very"},{"speaker":"Alan Smith","startTime":4062.91,"endTime":4065.49,"body":"active, either. You're right,"},{"speaker":"Alan Smith","startTime":4065.49,"endTime":4068.37,"body":"and the I dip my toe in Tic Toc,"},{"speaker":"Alan Smith","startTime":4065.49,"endTime":4068.37,"body":"and that is just a different"},{"speaker":"Alan Smith","startTime":4068.37,"endTime":4071.58,"body":"level altogether. I had to put"},{"speaker":"Alan Smith","startTime":4068.37,"endTime":4071.58,"body":"it down. It's stressful."},{"speaker":"Andy Hart","startTime":4071.85,"endTime":4073.5299999999997,"body":"It's not a tick tock."},{"speaker":"Nick Lincoln","startTime":4073.5899999999997,"endTime":4075.33,"body":"It's a or tick"},{"speaker":"Nick Lincoln","startTime":4073.5899999999997,"endTime":4075.33,"body":"tock is depends on what you"},{"speaker":"Nick Lincoln","startTime":4075.33,"endTime":4080.73,"body":"follow. away from anything to do"},{"speaker":"Nick Lincoln","startTime":4075.33,"endTime":4080.73,"body":"with financial services. So"},{"speaker":"Nick Lincoln","startTime":4080.73,"endTime":4083.79,"body":"let's not let's let's we can"},{"speaker":"Nick Lincoln","startTime":4080.73,"endTime":4083.79,"body":"talk about this any anyone could"},{"speaker":"Nick Lincoln","startTime":4083.79,"endTime":4086.19,"body":"do about this and whenever they"},{"speaker":"Nick Lincoln","startTime":4083.79,"endTime":4086.19,"body":"want to. There's not more"},{"speaker":"Nick Lincoln","startTime":4086.19,"endTime":4089.0099999999998,"body":"comments in minutes. Okay, I"},{"speaker":"Nick Lincoln","startTime":4086.19,"endTime":4089.0099999999998,"body":"think we've given that a dad"},{"speaker":"Nick Lincoln","startTime":4089.0099999999998,"endTime":4090.7799999999997,"body":"with thrashing. We're happy with"},{"speaker":"Nick Lincoln","startTime":4089.0099999999998,"endTime":4090.7799999999997,"body":"that and good against we are at"},{"speaker":"Nick Lincoln","startTime":4090.7799999999997,"endTime":4094.5,"body":"one, one hour and seven minutes"},{"speaker":"Nick Lincoln","startTime":4090.7799999999997,"endTime":4094.5,"body":"in. Okay. Carl's give me the"},{"speaker":"Nick Lincoln","startTime":4094.5,"endTime":4097.62,"body":"thumbs up and it's called the"},{"speaker":"Nick Lincoln","startTime":4094.5,"endTime":4097.62,"body":"one I defer to. Let's see. So"},{"speaker":"Nick Lincoln","startTime":4097.62,"endTime":4101.28,"body":"without any further ado, move on"},{"speaker":"Nick Lincoln","startTime":4097.62,"endTime":4101.28,"body":"to the next section of the show."},{"speaker":"Nick Lincoln","startTime":4101.28,"endTime":4103.77,"body":"And as I click the sound for the"},{"speaker":"Nick Lincoln","startTime":4101.28,"endTime":4103.77,"body":"tracklist questions, of course"},{"speaker":"Nick Lincoln","startTime":4103.77,"endTime":4107.37,"body":"doesn't work. So dingdong, that"},{"speaker":"Nick Lincoln","startTime":4103.77,"endTime":4107.37,"body":"must be posted at the door. You"},{"speaker":"Nick Lincoln","startTime":4107.37,"endTime":4111.0,"body":"know how it works. And she's"},{"speaker":"Nick Lincoln","startTime":4107.37,"endTime":4111.0,"body":"bought a folding sack of"},{"speaker":"Nick Lincoln","startTime":4111.0,"endTime":4112.8,"body":"practice questions. We are"},{"speaker":"Nick Lincoln","startTime":4111.0,"endTime":4112.8,"body":"getting through the Thank you,"},{"speaker":"Nick Lincoln","startTime":4112.8,"endTime":4117.84,"body":"Andy for that receive the letter"},{"speaker":"Nick Lincoln","startTime":4112.8,"endTime":4117.84,"body":"opening? Transition works. God,"},{"speaker":"Nick Lincoln","startTime":4117.84,"endTime":4119.64,"body":"there's an alternative to"},{"speaker":"Nick Lincoln","startTime":4117.84,"endTime":4119.64,"body":"Riverside. Anyone knows of it."},{"speaker":"Nick Lincoln","startTime":4119.64,"endTime":4124.08,"body":"Please, please do? Let me know."},{"speaker":"Nick Lincoln","startTime":4119.64,"endTime":4124.08,"body":"The first question, if you want"},{"speaker":"Nick Lincoln","startTime":4124.08,"endTime":4126.75,"body":"to send us a question, you know,"},{"speaker":"Nick Lincoln","startTime":4124.08,"endTime":4126.75,"body":"and in on Twitter, that card"},{"speaker":"Nick Lincoln","startTime":4126.75,"endTime":4129.6900000000005,"body":"doesn't look at any more. But on"},{"speaker":"Nick Lincoln","startTime":4126.75,"endTime":4129.6900000000005,"body":"the pin tweet, at advisor"},{"speaker":"Nick Lincoln","startTime":4129.6900000000005,"endTime":4132.21,"body":"podcast, there's a link and you"},{"speaker":"Nick Lincoln","startTime":4129.6900000000005,"endTime":4132.21,"body":"can submit your questions we do"},{"speaker":"Nick Lincoln","startTime":4132.21,"endTime":4135.66,"body":"go through them. We're now up to"},{"speaker":"Nick Lincoln","startTime":4132.21,"endTime":4135.66,"body":"October from last year. So if"},{"speaker":"Nick Lincoln","startTime":4135.66,"endTime":4137.67,"body":"you posted the question in"},{"speaker":"Nick Lincoln","startTime":4135.66,"endTime":4137.67,"body":"October, November last year,"},{"speaker":"Nick Lincoln","startTime":4137.67,"endTime":4140.22,"body":"your question will be answered"},{"speaker":"Nick Lincoln","startTime":4137.67,"endTime":4140.22,"body":"shortly. We've got a long one"},{"speaker":"Nick Lincoln","startTime":4140.28,"endTime":4144.4800000000005,"body":"today from a non practitioner."},{"speaker":"Nick Lincoln","startTime":4140.28,"endTime":4144.4800000000005,"body":"It's more of a comment than a"},{"speaker":"Nick Lincoln","startTime":4144.4800000000005,"endTime":4147.06,"body":"question but I think it'd be"},{"speaker":"Nick Lincoln","startTime":4144.4800000000005,"endTime":4147.06,"body":"resonate with us as practicing"},{"speaker":"Nick Lincoln","startTime":4147.06,"endTime":4150.0,"body":"financial advisors or those of"},{"speaker":"Nick Lincoln","startTime":4147.06,"endTime":4150.0,"body":"us in the advice chain. And the"},{"speaker":"Nick Lincoln","startTime":4150.0,"endTime":4155.97,"body":"listeners name is Mark A He's on"},{"speaker":"Nick Lincoln","startTime":4150.0,"endTime":4155.97,"body":"Twitter as this is at a BB"},{"speaker":"Nick Lincoln","startTime":4155.97,"endTime":4162.57,"body":"04645603 Catchy. And he says"},{"speaker":"Nick Lincoln","startTime":4155.97,"endTime":4162.57,"body":"been listening to your great"},{"speaker":"Nick Lincoln","startTime":4162.57,"endTime":4164.97,"body":"part of track for a while now."},{"speaker":"Nick Lincoln","startTime":4162.57,"endTime":4164.97,"body":"I'm not a financial adviser, but"},{"speaker":"Nick Lincoln","startTime":4164.97,"endTime":4171.36,"body":"I work in telecoms. I had an"},{"speaker":"Nick Lincoln","startTime":4164.97,"endTime":4171.36,"body":"actively managed company. ABC"},{"speaker":"Nick Lincoln","startTime":4171.36,"endTime":4174.3,"body":"Wealth Management put me into a"},{"speaker":"Nick Lincoln","startTime":4171.36,"endTime":4174.3,"body":"standard life CIP. They were an"},{"speaker":"Nick Lincoln","startTime":4174.3,"endTime":4177.57,"body":"active IFA, they put me into a"},{"speaker":"Nick Lincoln","startTime":4174.3,"endTime":4177.57,"body":"standard and I've set it with my"},{"speaker":"Nick Lincoln","startTime":4177.66,"endTime":4180.33,"body":"even with my limited knowledge."},{"speaker":"Nick Lincoln","startTime":4177.66,"endTime":4180.33,"body":"A few things didn't feel right."},{"speaker":"Nick Lincoln","startTime":4180.33,"endTime":4183.24,"body":"And I had that gut feeling that"},{"speaker":"Nick Lincoln","startTime":4180.33,"endTime":4183.24,"body":"it was oversold. So a few points"},{"speaker":"Nick Lincoln","startTime":4183.24,"endTime":4186.39,"body":"to mention traditional pension"},{"speaker":"Nick Lincoln","startTime":4183.24,"endTime":4186.39,"body":"companies Standard Life or"},{"speaker":"Nick Lincoln","startTime":4186.39,"endTime":4190.8,"body":"whatever their new name is. They"},{"speaker":"Nick Lincoln","startTime":4186.39,"endTime":4190.8,"body":"will read your email within 38"},{"speaker":"Nick Lincoln","startTime":4190.8,"endTime":4194.46,"body":"days. Some customer service that"},{"speaker":"Nick Lincoln","startTime":4190.8,"endTime":4194.46,"body":"is your Yes, well welcome to our"},{"speaker":"Nick Lincoln","startTime":4194.46,"endTime":4199.44,"body":"world. Mark A. His IFA firm, ABC"},{"speaker":"Nick Lincoln","startTime":4194.46,"endTime":4199.44,"body":"Wealth Management send out a"},{"speaker":"Nick Lincoln","startTime":4199.44,"endTime":4203.01,"body":"weekly market commentary email,"},{"speaker":"Nick Lincoln","startTime":4199.44,"endTime":4203.01,"body":"which is massive, and I'm not"},{"speaker":"Nick Lincoln","startTime":4203.01,"endTime":4205.68,"body":"sure how many of his clients"},{"speaker":"Nick Lincoln","startTime":4203.01,"endTime":4205.68,"body":"would have time to read it. It's"},{"speaker":"Nick Lincoln","startTime":4205.68,"endTime":4209.07,"body":"a huge mail and Mark has sent me"},{"speaker":"Nick Lincoln","startTime":4205.68,"endTime":4209.07,"body":"a copy of the email over and it"},{"speaker":"Nick Lincoln","startTime":4209.07,"endTime":4214.5,"body":"is just unbelievable. Just"},{"speaker":"Nick Lincoln","startTime":4209.07,"endTime":4214.5,"body":"economic prognostications that"},{"speaker":"Nick Lincoln","startTime":4214.5,"endTime":4216.9,"body":"how they're tilting their"},{"speaker":"Nick Lincoln","startTime":4214.5,"endTime":4216.9,"body":"portfolios based on that week's"},{"speaker":"Nick Lincoln","startTime":4216.9,"endTime":4220.32,"body":"events it's it's really as the"},{"speaker":"Nick Lincoln","startTime":4216.9,"endTime":4220.32,"body":"stuff from from from the from"},{"speaker":"Nick Lincoln","startTime":4220.32,"endTime":4223.98,"body":"the one of the circles of hell."},{"speaker":"Nick Lincoln","startTime":4220.32,"endTime":4223.98,"body":"His third point mark said I've"},{"speaker":"Nick Lincoln","startTime":4223.98,"endTime":4226.95,"body":"been in the ABC active seven"},{"speaker":"Nick Lincoln","startTime":4223.98,"endTime":4226.95,"body":"fund which is one of the highest"},{"speaker":"Nick Lincoln","startTime":4226.95,"endTime":4228.99,"body":"risk factors in other words,"},{"speaker":"Nick Lincoln","startTime":4226.95,"endTime":4228.99,"body":"it's got high exposure to"},{"speaker":"Nick Lincoln","startTime":4228.99,"endTime":4232.68,"body":"equities. And then Mark goes on"},{"speaker":"Nick Lincoln","startTime":4228.99,"endTime":4232.68,"body":"to say that we simultaneously"},{"speaker":"Nick Lincoln","startTime":4232.71,"endTime":4235.11,"body":"setting up my sit we put some"},{"speaker":"Nick Lincoln","startTime":4232.71,"endTime":4235.11,"body":"money into Vanguard funds"},{"speaker":"Nick Lincoln","startTime":4235.11,"endTime":4238.89,"body":"directly and they have done"},{"speaker":"Nick Lincoln","startTime":4235.11,"endTime":4238.89,"body":"better than this actively"},{"speaker":"Nick Lincoln","startTime":4238.89,"endTime":4243.75,"body":"managed ABC wealth management"},{"speaker":"Nick Lincoln","startTime":4238.89,"endTime":4243.75,"body":"fund. Lastly, Mark says ABC is"},{"speaker":"Nick Lincoln","startTime":4243.75,"endTime":4247.11,"body":"funds are pretty much hidden and"},{"speaker":"Nick Lincoln","startTime":4243.75,"endTime":4247.11,"body":"their portal is useless. So the"},{"speaker":"Nick Lincoln","startTime":4247.11,"endTime":4249.78,"body":"Trust for me wasn't there. So it"},{"speaker":"Nick Lincoln","startTime":4247.11,"endTime":4249.78,"body":"sounds like Mark is no longer"},{"speaker":"Nick Lincoln","startTime":4249.78,"endTime":4253.14,"body":"client of ABC Wealth Management"},{"speaker":"Nick Lincoln","startTime":4249.78,"endTime":4253.14,"body":"sorry for the essay and hoping"},{"speaker":"Nick Lincoln","startTime":4253.14,"endTime":4257.97,"body":"none of you are friends with Bob"},{"speaker":"Nick Lincoln","startTime":4253.14,"endTime":4257.97,"body":"at ABC Wealth Management PS Keep"},{"speaker":"Nick Lincoln","startTime":4257.97,"endTime":4260.49,"body":"up the good work. You guys are"},{"speaker":"Nick Lincoln","startTime":4257.97,"endTime":4260.49,"body":"great. So not a question"},{"speaker":"Nick Lincoln","startTime":4260.49,"endTime":4263.7,"body":"definitely from a trapeze. But"},{"speaker":"Nick Lincoln","startTime":4260.49,"endTime":4263.7,"body":"interesting insight from someone"},{"speaker":"Nick Lincoln","startTime":4263.7,"endTime":4266.5199999999995,"body":"who's outside of this thing of"},{"speaker":"Nick Lincoln","startTime":4263.7,"endTime":4266.5199999999995,"body":"ours. This is a retail"},{"speaker":"Nick Lincoln","startTime":4266.8499999999995,"endTime":4271.32,"body":"investment clients a punter and"},{"speaker":"Nick Lincoln","startTime":4266.8499999999995,"endTime":4271.32,"body":"his experience of the other side"},{"speaker":"Nick Lincoln","startTime":4271.32,"endTime":4277.7699999999995,"body":"of the IFA nomina Kucera"},{"speaker":"Nick Lincoln","startTime":4271.32,"endTime":4277.7699999999995,"body":"includes such Your broad church"},{"speaker":"Nick Lincoln","startTime":4277.7699999999995,"endTime":4280.47,"body":"doesn't have people and this is"},{"speaker":"Nick Lincoln","startTime":4277.7699999999995,"endTime":4280.47,"body":"this is this is this is a Joe"},{"speaker":"Nick Lincoln","startTime":4280.47,"endTime":4283.44,"body":"Public guy who's experienced"},{"speaker":"Nick Lincoln","startTime":4280.47,"endTime":4283.44,"body":"what we would call probably the"},{"speaker":"Nick Lincoln","startTime":4284.22,"endTime":4286.83,"body":"rougher end. Any any thoughts,"},{"speaker":"Nick Lincoln","startTime":4284.22,"endTime":4286.83,"body":"gents."},{"speaker":"Andy Hart","startTime":4288.299,"endTime":4290.669,"body":"Is that the biggest"},{"speaker":"Andy Hart","startTime":4288.299,"endTime":4290.669,"body":"red flag or weekly market"},{"speaker":"Andy Hart","startTime":4290.669,"endTime":4293.099,"body":"commentary email? Is that is"},{"speaker":"Andy Hart","startTime":4290.669,"endTime":4293.099,"body":"that it's one of them. It's an"},{"speaker":"Andy Hart","startTime":4293.099,"endTime":4295.499,"body":"investment side, are we saying"},{"speaker":"Andy Hart","startTime":4293.099,"endTime":4295.499,"body":"that's the biggest red flag to"},{"speaker":"Andy Hart","startTime":4295.499,"endTime":4296.0689999999995,"body":"avoid?"},{"speaker":"Alan Smith","startTime":4296.88,"endTime":4301.17,"body":"There's so many red"},{"speaker":"Alan Smith","startTime":4296.88,"endTime":4301.17,"body":"flags in that. Why would you use"},{"speaker":"Alan Smith","startTime":4301.23,"endTime":4305.49,"body":"standard life ie the old Phoenix"},{"speaker":"Alan Smith","startTime":4301.23,"endTime":4305.49,"body":"life? For example? Why is he"},{"speaker":"Alan Smith","startTime":4305.49,"endTime":4308.4,"body":"emailing them directly? Not"},{"speaker":"Alan Smith","startTime":4305.49,"endTime":4308.4,"body":"going through his advisor, which"},{"speaker":"Alan Smith","startTime":4308.4,"endTime":4313.5599999999995,"body":"is paying handsomely for Yeah,"},{"speaker":"Alan Smith","startTime":4308.4,"endTime":4313.5599999999995,"body":"weekly updates. I mean, what the"},{"speaker":"Alan Smith","startTime":4313.5599999999995,"endTime":4316.65,"body":"hell on a seven day cycle, we're"},{"speaker":"Alan Smith","startTime":4313.5599999999995,"endTime":4316.65,"body":"going to move out your funds, or"},{"speaker":"Alan Smith","startTime":4316.65,"endTime":4320.28,"body":"we think now's the time to go to"},{"speaker":"Alan Smith","startTime":4316.65,"endTime":4320.28,"body":"emerging markets. It's not me, I"},{"speaker":"Alan Smith","startTime":4320.28,"endTime":4324.84,"body":"read the whole thing. And Sad to"},{"speaker":"Alan Smith","startTime":4320.28,"endTime":4324.84,"body":"say, you know, we do get some"},{"speaker":"Alan Smith","startTime":4324.84,"endTime":4328.38,"body":"flack for being critical, as we"},{"speaker":"Alan Smith","startTime":4324.84,"endTime":4328.38,"body":"have said in the past and"},{"speaker":"Alan Smith","startTime":4328.38,"endTime":4332.67,"body":"calling out and of course, we"},{"speaker":"Alan Smith","startTime":4328.38,"endTime":4332.67,"body":"it's not actually Bob from ABC,"},{"speaker":"Alan Smith","startTime":4332.7,"endTime":4336.36,"body":"and it wouldn't be appropriate"},{"speaker":"Alan Smith","startTime":4332.7,"endTime":4336.36,"body":"for us to share the name, but it"},{"speaker":"Alan Smith","startTime":4336.36,"endTime":4338.49,"body":"represents all the things which"},{"speaker":"Alan Smith","startTime":4336.36,"endTime":4338.49,"body":"are wrong with this with our"},{"speaker":"Alan Smith","startTime":4338.49,"endTime":4342.2699999999995,"body":"sector. Unfortunately, this kind"},{"speaker":"Alan Smith","startTime":4338.49,"endTime":4342.2699999999995,"body":"of relentless focus on fund"},{"speaker":"Alan Smith","startTime":4342.2699999999995,"endTime":4346.11,"body":"management activity, moving"},{"speaker":"Alan Smith","startTime":4342.2699999999995,"endTime":4346.11,"body":"stocks and bonds and funds on a"},{"speaker":"Alan Smith","startTime":4346.11,"endTime":4350.55,"body":"weekly basis. And in doing so"},{"speaker":"Alan Smith","startTime":4346.11,"endTime":4350.55,"body":"significantly underperforming,"},{"speaker":"Alan Smith","startTime":4350.61,"endTime":4354.3,"body":"is Vanguard funds, just buy and"},{"speaker":"Alan Smith","startTime":4350.61,"endTime":4354.3,"body":"hold long term. It doesn't sound"},{"speaker":"Alan Smith","startTime":4354.3,"endTime":4357.9,"body":"like there's any structure, any"},{"speaker":"Alan Smith","startTime":4354.3,"endTime":4357.9,"body":"financial planning, it's, it's,"},{"speaker":"Alan Smith","startTime":4358.05,"endTime":4362.61,"body":"it's suboptimal to use a nick"},{"speaker":"Alan Smith","startTime":4358.05,"endTime":4362.61,"body":"Lincoln word, and just"},{"speaker":"Alan Smith","startTime":4362.61,"endTime":4365.13,"body":"disappointing and I'm glad that"},{"speaker":"Alan Smith","startTime":4362.61,"endTime":4365.13,"body":"we're able to sort of, you know,"},{"speaker":"Alan Smith","startTime":4365.43,"endTime":4369.5999999999995,"body":"shine the light on this and"},{"speaker":"Alan Smith","startTime":4365.43,"endTime":4369.5999999999995,"body":"mark, a, hopefully he's learned"},{"speaker":"Alan Smith","startTime":4369.5999999999995,"endTime":4372.0,"body":"a bit from our ramblings over"},{"speaker":"Alan Smith","startTime":4369.5999999999995,"endTime":4372.0,"body":"the last year or two."},{"speaker":"Carl Widger","startTime":4374.88,"endTime":4378.93,"body":"It sounds like on"},{"speaker":"Carl Widger","startTime":4374.88,"endTime":4378.93,"body":"the question, that he's left"},{"speaker":"Carl Widger","startTime":4378.96,"endTime":4382.05,"body":"this firm, and he's now"},{"speaker":"Carl Widger","startTime":4378.96,"endTime":4382.05,"body":"hopefully, if he's listening to"},{"speaker":"Carl Widger","startTime":4382.05,"endTime":4383.91,"body":"us, he's gone to a real"},{"speaker":"Carl Widger","startTime":4382.05,"endTime":4383.91,"body":"financial planning firm."},{"speaker":"Carl Widger","startTime":4384.84,"endTime":4388.5599999999995,"body":"Wouldn't it be amazing to hear"},{"speaker":"Carl Widger","startTime":4384.84,"endTime":4388.5599999999995,"body":"from him to say, this was my"},{"speaker":"Carl Widger","startTime":4388.5599999999995,"endTime":4392.8499999999995,"body":"experience with active"},{"speaker":"Carl Widger","startTime":4388.5599999999995,"endTime":4392.8499999999995,"body":"management, blah, blah, blah."},{"speaker":"Carl Widger","startTime":4393.09,"endTime":4397.38,"body":"And here's now my experience"},{"speaker":"Carl Widger","startTime":4393.09,"endTime":4397.38,"body":"with financial planners. And it"},{"speaker":"Carl Widger","startTime":4397.38,"endTime":4400.38,"body":"gives it would give us a really"},{"speaker":"Carl Widger","startTime":4397.38,"endTime":4400.38,"body":"good insight as to the I suppose"},{"speaker":"Carl Widger","startTime":4400.38,"endTime":4403.86,"body":"the key things from a client's"},{"speaker":"Carl Widger","startTime":4400.38,"endTime":4403.86,"body":"perspective as to what we should"},{"speaker":"Carl Widger","startTime":4403.86,"endTime":4405.75,"body":"be focusing on in terms of"},{"speaker":"Carl Widger","startTime":4403.86,"endTime":4405.75,"body":"messaging."},{"speaker":"Nick Lincoln","startTime":4406.8,"endTime":4409.05,"body":"Nick, well,"},{"speaker":"Nick Lincoln","startTime":4406.8,"endTime":4409.05,"body":"funnily enough, Carl, I've"},{"speaker":"Nick Lincoln","startTime":4409.08,"endTime":4412.05,"body":"actually got an email in my"},{"speaker":"Nick Lincoln","startTime":4409.08,"endTime":4412.05,"body":"inbox from from Mark, I hadn't I"},{"speaker":"Nick Lincoln","startTime":4412.05,"endTime":4414.0599999999995,"body":"sent him an email this morning."},{"speaker":"Nick Lincoln","startTime":4412.05,"endTime":4414.0599999999995,"body":"So I will ask him that question."},{"speaker":"Nick Lincoln","startTime":4414.12,"endTime":4417.66,"body":"I'll just say just, you know,"},{"speaker":"Nick Lincoln","startTime":4414.12,"endTime":4417.66,"body":"you no longer with them ABC? And"},{"speaker":"Nick Lincoln","startTime":4417.69,"endTime":4420.3,"body":"if so, what is the firm you've"},{"speaker":"Nick Lincoln","startTime":4417.69,"endTime":4420.3,"body":"gone to like, and what"},{"speaker":"Nick Lincoln","startTime":4420.3,"endTime":4422.49,"body":"experiences do you want to share"},{"speaker":"Nick Lincoln","startTime":4420.3,"endTime":4422.49,"body":"is and that so I'll get an"},{"speaker":"Nick Lincoln","startTime":4422.49,"endTime":4424.23,"body":"update. And if he comes back to"},{"speaker":"Nick Lincoln","startTime":4422.49,"endTime":4424.23,"body":"me, I will bring it into a"},{"speaker":"Nick Lincoln","startTime":4424.23,"endTime":4425.94,"body":"future show for sure. Andy?"},{"speaker":"Andy Hart","startTime":4427.8,"endTime":4429.84,"body":"Well, yeah, now he"},{"speaker":"Andy Hart","startTime":4427.8,"endTime":4429.84,"body":"says about this weekly email"},{"speaker":"Andy Hart","startTime":4429.84,"endTime":4432.93,"body":"being huge, and as if any"},{"speaker":"Andy Hart","startTime":4429.84,"endTime":4432.93,"body":"clients have time to read it."},{"speaker":"Andy Hart","startTime":4433.23,"endTime":4435.5999999999995,"body":"Even if the client side all the"},{"speaker":"Andy Hart","startTime":4433.23,"endTime":4435.5999999999995,"body":"time in the world, it would add"},{"speaker":"Andy Hart","startTime":4435.5999999999995,"endTime":4440.67,"body":"nothing to their outcomes. This"},{"speaker":"Andy Hart","startTime":4435.5999999999995,"endTime":4440.67,"body":"again, is the misconception. I"},{"speaker":"Andy Hart","startTime":4440.67,"endTime":4442.74,"body":"wish I had more time to read"},{"speaker":"Andy Hart","startTime":4440.67,"endTime":4442.74,"body":"more investment market"},{"speaker":"Andy Hart","startTime":4442.74,"endTime":4445.08,"body":"commentary and therefore I'd"},{"speaker":"Andy Hart","startTime":4442.74,"endTime":4445.08,"body":"make better decisions. No, it's"},{"speaker":"Andy Hart","startTime":4445.08,"endTime":4447.54,"body":"the opposite. It's very weird"},{"speaker":"Andy Hart","startTime":4445.08,"endTime":4447.54,"body":"and countercultural and"},{"speaker":"Andy Hart","startTime":4447.54,"endTime":4451.17,"body":"counterintuitive. So again, our"},{"speaker":"Andy Hart","startTime":4447.54,"endTime":4451.17,"body":"message is, you know, polar"},{"speaker":"Andy Hart","startTime":4451.17,"endTime":4453.9,"body":"opposite of what, you know,"},{"speaker":"Andy Hart","startTime":4451.17,"endTime":4453.9,"body":"mainstream financial and"},{"speaker":"Andy Hart","startTime":4453.9,"endTime":4456.96,"body":"investment media want to sort of"},{"speaker":"Andy Hart","startTime":4453.9,"endTime":4456.96,"body":"pollute clients brains with so"},{"speaker":"Andy Hart","startTime":4456.96,"endTime":4458.25,"body":"yeah, it boils my blood."},{"speaker":"Nick Lincoln","startTime":4460.68,"endTime":4464.04,"body":"Okay, so we're"},{"speaker":"Nick Lincoln","startTime":4460.68,"endTime":4464.04,"body":"gonna be out. We're at 173"},{"speaker":"Nick Lincoln","startTime":4464.04,"endTime":4466.44,"body":"minutes and we've got another"},{"speaker":"Nick Lincoln","startTime":4464.04,"endTime":4466.44,"body":"question in the hopper. Chris"},{"speaker":"Nick Lincoln","startTime":4466.44,"endTime":4469.3499999999995,"body":"Bowers, we will answer your"},{"speaker":"Nick Lincoln","startTime":4466.44,"endTime":4469.3499999999995,"body":"question my friend in the next"},{"speaker":"Nick Lincoln","startTime":4469.3499999999995,"endTime":4472.44,"body":"episode of trap episode 38. But"},{"speaker":"Nick Lincoln","startTime":4469.3499999999995,"endTime":4472.44,"body":"for the moment I think that's it"},{"speaker":"Nick Lincoln","startTime":4472.44,"endTime":4476.28,"body":"and we should pretty much with"},{"speaker":"Nick Lincoln","startTime":4472.44,"endTime":4476.28,"body":"haste move on to culture corner"},{"speaker":"Nick Lincoln","startTime":4476.28,"endTime":4480.0599999999995,"body":"he clicks and waits. And there's"},{"speaker":"Nick Lincoln","startTime":4476.28,"endTime":4480.0599999999995,"body":"no sound or culture corner"},{"speaker":"Nick Lincoln","startTime":4480.0599999999995,"endTime":4484.86,"body":"either this is great, isn't it?"},{"speaker":"Nick Lincoln","startTime":4480.0599999999995,"endTime":4484.86,"body":"Okay, so culture corner. Yeah,"},{"speaker":"Nick Lincoln","startTime":4484.86,"endTime":4487.2,"body":"thanks. Go. Culture Corner."},{"speaker":"Nick Lincoln","startTime":4484.86,"endTime":4487.2,"body":"We'll start off with cart. I'm"},{"speaker":"Nick Lincoln","startTime":4487.2,"endTime":4489.36,"body":"not gonna tell you what it is"},{"speaker":"Nick Lincoln","startTime":4487.2,"endTime":4489.36,"body":"gone. What's your culture corner"},{"speaker":"Nick Lincoln","startTime":4489.36,"endTime":4489.66,"body":"car."},{"speaker":"Carl Widger","startTime":4497.94,"endTime":4502.5599999999995,"body":"It is Kitces pull"},{"speaker":"Carl Widger","startTime":4497.94,"endTime":4502.5599999999995,"body":"the mic, Michael Kitsis podcast,"},{"speaker":"Carl Widger","startTime":4503.79,"endTime":4506.79,"body":"where I can't remember the lady"},{"speaker":"Carl Widger","startTime":4503.79,"endTime":4506.79,"body":"that he interviewed. But it's"},{"speaker":"Carl Widger","startTime":4506.79,"endTime":4510.78,"body":"basically around. There's a"},{"speaker":"Carl Widger","startTime":4506.79,"endTime":4510.78,"body":"massive problem in the financial"},{"speaker":"Carl Widger","startTime":4510.78,"endTime":4517.0199999999995,"body":"planning profession, whereby"},{"speaker":"Carl Widger","startTime":4510.78,"endTime":4517.0199999999995,"body":"advisors, planners, are trading"},{"speaker":"Carl Widger","startTime":4517.3499999999995,"endTime":4522.21,"body":"wealth for health. And it was"},{"speaker":"Carl Widger","startTime":4517.3499999999995,"endTime":4522.21,"body":"just perfect for me for January."},{"speaker":"Carl Widger","startTime":4522.42,"endTime":4526.26,"body":"I think everybody should have a"},{"speaker":"Carl Widger","startTime":4522.42,"endTime":4526.26,"body":"listen to this. You need to make"},{"speaker":"Carl Widger","startTime":4526.26,"endTime":4529.62,"body":"sure as you're progressing"},{"speaker":"Carl Widger","startTime":4526.26,"endTime":4529.62,"body":"through your career, that you"},{"speaker":"Carl Widger","startTime":4529.62,"endTime":4534.63,"body":"don't leave the health space to"},{"speaker":"Carl Widger","startTime":4529.62,"endTime":4534.63,"body":"one side. Because all you're"},{"speaker":"Carl Widger","startTime":4534.63,"endTime":4538.53,"body":"going to do if you don't make"},{"speaker":"Carl Widger","startTime":4534.63,"endTime":4538.53,"body":"time for exercise, nutrition,"},{"speaker":"Carl Widger","startTime":4538.53,"endTime":4541.68,"body":"fitness, mind your mind now,"},{"speaker":"Carl Widger","startTime":4538.53,"endTime":4541.68,"body":"you're going to have to make"},{"speaker":"Carl Widger","startTime":4541.68,"endTime":4544.92,"body":"time for illness down the line."},{"speaker":"Carl Widger","startTime":4541.68,"endTime":4544.92,"body":"That's for sure. So yeah, I"},{"speaker":"Carl Widger","startTime":4544.92,"endTime":4547.86,"body":"thought it was really good."},{"speaker":"Carl Widger","startTime":4544.92,"endTime":4547.86,"body":"Having listened to Kitces"},{"speaker":"Carl Widger","startTime":4547.86,"endTime":4549.48,"body":"actually for a while, but that"},{"speaker":"Carl Widger","startTime":4547.86,"endTime":4549.48,"body":"one kind of grabbed my"},{"speaker":"Carl Widger","startTime":4549.48,"endTime":4554.61,"body":"attention. And really enjoyed"},{"speaker":"Carl Widger","startTime":4549.48,"endTime":4554.61,"body":"that one. Perfect for January"},{"speaker":"Carl Widger","startTime":4554.64,"endTime":4558.24,"body":"and New Year's resolutions and"},{"speaker":"Carl Widger","startTime":4554.64,"endTime":4558.24,"body":"all of that. So there you go."},{"speaker":"Carl Widger","startTime":4559.23,"endTime":4559.47,"body":"Very"},{"speaker":"Nick Lincoln","startTime":4559.47,"endTime":4561.93,"body":"good. Thank you."},{"speaker":"Nick Lincoln","startTime":4559.47,"endTime":4561.93,"body":"Thank you for that call. My one"},{"speaker":"Nick Lincoln","startTime":4561.96,"endTime":4567.51,"body":"is a book that I read on Kindle."},{"speaker":"Nick Lincoln","startTime":4561.96,"endTime":4567.51,"body":"And it's a book called dead in"},{"speaker":"Nick Lincoln","startTime":4567.51,"endTime":4570.54,"body":"the water murder and fraud in"},{"speaker":"Nick Lincoln","startTime":4567.51,"endTime":4570.54,"body":"the world's most secretive"},{"speaker":"Nick Lincoln","startTime":4570.72,"endTime":4575.97,"body":"industry. And the shipping"},{"speaker":"Nick Lincoln","startTime":4570.72,"endTime":4575.97,"body":"industry really not figured to"},{"speaker":"Nick Lincoln","startTime":4575.97,"endTime":4579.2699999999995,"body":"live It really is, is another"},{"speaker":"Nick Lincoln","startTime":4575.97,"endTime":4579.2699999999995,"body":"world in our world. I mean, the"},{"speaker":"Nick Lincoln","startTime":4579.2699999999995,"endTime":4584.04,"body":"oceans, what are they 80% of the"},{"speaker":"Nick Lincoln","startTime":4579.2699999999995,"endTime":4584.04,"body":"world's surface is ocean. And we"},{"speaker":"Nick Lincoln","startTime":4584.04,"endTime":4586.86,"body":"don't know half of what goes on"},{"speaker":"Nick Lincoln","startTime":4584.04,"endTime":4586.86,"body":"under the under the sea. And"},{"speaker":"Nick Lincoln","startTime":4586.86,"endTime":4591.75,"body":"what goes on on the sea is just"},{"speaker":"Nick Lincoln","startTime":4586.86,"endTime":4591.75,"body":"another world and our dependence"},{"speaker":"Nick Lincoln","startTime":4591.75,"endTime":4596.25,"body":"on on the super tankers and"},{"speaker":"Nick Lincoln","startTime":4591.75,"endTime":4596.25,"body":"these massive container ships is"},{"speaker":"Nick Lincoln","startTime":4596.43,"endTime":4599.82,"body":"I don't think we understand how"},{"speaker":"Nick Lincoln","startTime":4596.43,"endTime":4599.82,"body":"dependent we are on them. And"},{"speaker":"Nick Lincoln","startTime":4599.82,"endTime":4602.94,"body":"this there's a really, really"},{"speaker":"Nick Lincoln","startTime":4599.82,"endTime":4602.94,"body":"good story. It's 300 pages about"},{"speaker":"Nick Lincoln","startTime":4603.36,"endTime":4607.47,"body":"a ship called the brilliante"},{"speaker":"Nick Lincoln","startTime":4603.36,"endTime":4607.47,"body":"virtuoso, which was allegedly"},{"speaker":"Nick Lincoln","startTime":4607.47,"endTime":4612.15,"body":"attacked by pirates in the, in"},{"speaker":"Nick Lincoln","startTime":4607.47,"endTime":4612.15,"body":"the Gulf of Aden, which is the"},{"speaker":"Nick Lincoln","startTime":4612.15,"endTime":4614.79,"body":"news limited because our"},{"speaker":"Nick Lincoln","startTime":4612.15,"endTime":4614.79,"body":"unelected Prime Minister not"},{"speaker":"Nick Lincoln","startTime":4614.79,"endTime":4617.3099999999995,"body":"elected by the populace or the"},{"speaker":"Nick Lincoln","startTime":4614.79,"endTime":4617.3099999999995,"body":"party members, is trying to"},{"speaker":"Nick Lincoln","startTime":4617.3099999999995,"endTime":4620.73,"body":"start World War Three by taking"},{"speaker":"Nick Lincoln","startTime":4617.3099999999995,"endTime":4620.73,"body":"some bombings out where he"},{"speaker":"Nick Lincoln","startTime":4620.73,"endTime":4622.59,"body":"thinks he can throw the Red Sea"},{"speaker":"Nick Lincoln","startTime":4620.73,"endTime":4622.59,"body":"can't control the English"},{"speaker":"Nick Lincoln","startTime":4622.59,"endTime":4625.8,"body":"Channel, but there you go."},{"speaker":"Nick Lincoln","startTime":4622.59,"endTime":4625.8,"body":"Anyway, just so between Yemen"},{"speaker":"Nick Lincoln","startTime":4625.8,"endTime":4628.53,"body":"and Somalia, this ship was"},{"speaker":"Nick Lincoln","startTime":4625.8,"endTime":4628.53,"body":"allegedly attacked by pirates in"},{"speaker":"Nick Lincoln","startTime":4628.53,"endTime":4632.01,"body":"2011. Turns out it wasn't"},{"speaker":"Nick Lincoln","startTime":4628.53,"endTime":4632.01,"body":"actually as straightforward as"},{"speaker":"Nick Lincoln","startTime":4632.01,"endTime":4634.62,"body":"that and the story is fantastic."},{"speaker":"Nick Lincoln","startTime":4632.01,"endTime":4634.62,"body":"It's it's it goes into"},{"speaker":"Nick Lincoln","startTime":4634.62,"endTime":4637.41,"body":"everything that goes into the"},{"speaker":"Nick Lincoln","startTime":4634.62,"endTime":4637.41,"body":"Lloyds of London market, what"},{"speaker":"Nick Lincoln","startTime":4637.41,"endTime":4640.7699999999995,"body":"you're doing for your high net"},{"speaker":"Nick Lincoln","startTime":4637.41,"endTime":4640.7699999999995,"body":"worth. It involves the Met"},{"speaker":"Nick Lincoln","startTime":4640.7699999999995,"endTime":4645.36,"body":"Police, the City of London"},{"speaker":"Nick Lincoln","startTime":4640.7699999999995,"endTime":4645.36,"body":"police. And the whole shipping"},{"speaker":"Nick Lincoln","startTime":4645.36,"endTime":4648.66,"body":"world is not you know, these,"},{"speaker":"Nick Lincoln","startTime":4645.36,"endTime":4648.66,"body":"the flag of convenience phrase"},{"speaker":"Nick Lincoln","startTime":4648.69,"endTime":4652.5,"body":"was comes from stuff that's"},{"speaker":"Nick Lincoln","startTime":4648.69,"endTime":4652.5,"body":"equity, random, you know, so you"},{"speaker":"Nick Lincoln","startTime":4652.5,"endTime":4655.14,"body":"have these massive ships that"},{"speaker":"Nick Lincoln","startTime":4652.5,"endTime":4655.14,"body":"are they, they fly under the"},{"speaker":"Nick Lincoln","startTime":4655.14,"endTime":4657.69,"body":"flag of Liberia or Panama,"},{"speaker":"Nick Lincoln","startTime":4655.14,"endTime":4657.69,"body":"typically, because they have"},{"speaker":"Nick Lincoln","startTime":4657.69,"endTime":4660.51,"body":"very lacks regulations about the"},{"speaker":"Nick Lincoln","startTime":4657.69,"endTime":4660.51,"body":"state of ships. The ships are"},{"speaker":"Nick Lincoln","startTime":4660.51,"endTime":4662.97,"body":"owned by companies that are"},{"speaker":"Nick Lincoln","startTime":4660.51,"endTime":4662.97,"body":"based in Bahamas or NASA,"},{"speaker":"Nick Lincoln","startTime":4663.0,"endTime":4665.73,"body":"because for tax reasons, the"},{"speaker":"Nick Lincoln","startTime":4663.0,"endTime":4665.73,"body":"directors of these shipping"},{"speaker":"Nick Lincoln","startTime":4665.73,"endTime":4667.98,"body":"companies are they're based"},{"speaker":"Nick Lincoln","startTime":4665.73,"endTime":4667.98,"body":"somewhere else, typically Greece"},{"speaker":"Nick Lincoln","startTime":4667.98,"endTime":4670.44,"body":"and for historical reasons,"},{"speaker":"Nick Lincoln","startTime":4667.98,"endTime":4670.44,"body":"Greece has a lot of shipping"},{"speaker":"Nick Lincoln","startTime":4670.44,"endTime":4673.92,"body":"magnets and the whole world is"},{"speaker":"Nick Lincoln","startTime":4670.44,"endTime":4673.92,"body":"it's just really, really"},{"speaker":"Nick Lincoln","startTime":4673.92,"endTime":4677.04,"body":"difficult to know what the hell"},{"speaker":"Nick Lincoln","startTime":4673.92,"endTime":4677.04,"body":"is going on at any one time. And"},{"speaker":"Nick Lincoln","startTime":4677.04,"endTime":4678.78,"body":"the people who run these ships,"},{"speaker":"Nick Lincoln","startTime":4677.04,"endTime":4678.78,"body":"you know, you've got to be a"},{"speaker":"Nick Lincoln","startTime":4678.78,"endTime":4681.3,"body":"certain way and they're met,"},{"speaker":"Nick Lincoln","startTime":4678.78,"endTime":4681.3,"body":"they're new, they always mail"},{"speaker":"Nick Lincoln","startTime":4681.39,"endTime":4683.3099999999995,"body":"you've got to be a certain"},{"speaker":"Nick Lincoln","startTime":4681.39,"endTime":4683.3099999999995,"body":"mentality to go on these ships."},{"speaker":"Nick Lincoln","startTime":4683.3099999999995,"endTime":4686.28,"body":"It's hard, bloody work. You're"},{"speaker":"Nick Lincoln","startTime":4683.3099999999995,"endTime":4686.28,"body":"away from your farm for months"},{"speaker":"Nick Lincoln","startTime":4686.28,"endTime":4689.88,"body":"on end is dangerous. And this"},{"speaker":"Nick Lincoln","startTime":4686.28,"endTime":4689.88,"body":"story is really interesting. And"},{"speaker":"Nick Lincoln","startTime":4689.88,"endTime":4692.4,"body":"it pulls everything together and"},{"speaker":"Nick Lincoln","startTime":4689.88,"endTime":4692.4,"body":"it kind of links to our world"},{"speaker":"Nick Lincoln","startTime":4692.4,"endTime":4695.19,"body":"because it's to do with the"},{"speaker":"Nick Lincoln","startTime":4692.4,"endTime":4695.19,"body":"city. It's to do with insurance."},{"speaker":"Nick Lincoln","startTime":4695.19,"endTime":4697.68,"body":"It's done with Lloyds of London,"},{"speaker":"Nick Lincoln","startTime":4695.19,"endTime":4697.68,"body":"it's money, it's fraud, and I"},{"speaker":"Nick Lincoln","startTime":4697.68,"endTime":4700.3499999999995,"body":"would really, really recommend"},{"speaker":"Nick Lincoln","startTime":4697.68,"endTime":4700.3499999999995,"body":"you don't have any interest in"},{"speaker":"Nick Lincoln","startTime":4700.3499999999995,"endTime":4702.57,"body":"this in shipping and I'm happy"},{"speaker":"Nick Lincoln","startTime":4700.3499999999995,"endTime":4702.57,"body":"to find this an engrossing read,"},{"speaker":"Nick Lincoln","startTime":4702.57,"endTime":4707.91,"body":"so I highly recommend that."},{"speaker":"Nick Lincoln","startTime":4702.57,"endTime":4707.91,"body":"There we go. Mr. Smith."},{"speaker":"Alan Smith","startTime":4710.49,"endTime":4714.18,"body":"Yes, good shot,"},{"speaker":"Alan Smith","startTime":4710.49,"endTime":4714.18,"body":"Nick. I don't know but I've got"},{"speaker":"Alan Smith","startTime":4714.18,"endTime":4716.28,"body":"that book. I don't know how I've"},{"speaker":"Alan Smith","startTime":4714.18,"endTime":4716.28,"body":"got it as you must have seen it"},{"speaker":"Alan Smith","startTime":4716.28,"endTime":4718.62,"body":"elsewhere. I haven't read it"},{"speaker":"Alan Smith","startTime":4716.28,"endTime":4718.62,"body":"yet. But it looks very, very"},{"speaker":"Alan Smith","startTime":4718.62,"endTime":4722.58,"body":"intriguing. Just Just a quick"},{"speaker":"Alan Smith","startTime":4718.62,"endTime":4722.58,"body":"point with all these glitches"},{"speaker":"Alan Smith","startTime":4722.58,"endTime":4725.8499999999995,"body":"and technical faults and"},{"speaker":"Alan Smith","startTime":4722.58,"endTime":4725.8499999999995,"body":"everything this time. Thank God"},{"speaker":"Alan Smith","startTime":4725.8499999999995,"endTime":4728.28,"body":"the trap is love them because I"},{"speaker":"Alan Smith","startTime":4725.8499999999995,"endTime":4728.28,"body":"remember being going on we will"},{"speaker":"Alan Smith","startTime":4728.28,"endTime":4731.82,"body":"have a chat I think at home last"},{"speaker":"Alan Smith","startTime":4728.28,"endTime":4731.82,"body":"year spoke to a bunch of people"},{"speaker":"Alan Smith","startTime":4731.82,"endTime":4734.22,"body":"and I said yeah, it's a bit"},{"speaker":"Alan Smith","startTime":4731.82,"endTime":4734.22,"body":"scrappy. We don't really edit it"},{"speaker":"Alan Smith","startTime":4734.22,"endTime":4738.33,"body":"because no we we love that we"},{"speaker":"Alan Smith","startTime":4734.22,"endTime":4738.33,"body":"love the the amateur nature of"},{"speaker":"Alan Smith","startTime":4738.33,"endTime":4741.0,"body":"it, then this is definitely not"},{"speaker":"Alan Smith","startTime":4738.33,"endTime":4741.0,"body":"what you call a highly"},{"speaker":"Alan Smith","startTime":4741.5999999999995,"endTime":4745.5,"body":"overproduced slick, professional"},{"speaker":"Alan Smith","startTime":4741.5999999999995,"endTime":4745.5,"body":"show. And it's unfortunate with"},{"speaker":"Alan Smith","startTime":4745.5,"endTime":4748.44,"body":"the technology, you're writing"},{"speaker":"Alan Smith","startTime":4745.5,"endTime":4748.44,"body":"it you're doing your level best"},{"speaker":"Alan Smith","startTime":4748.44,"endTime":4750.96,"body":"there, but the Tech has let us"},{"speaker":"Alan Smith","startTime":4748.44,"endTime":4750.96,"body":"down in terms of the drops and"},{"speaker":"Alan Smith","startTime":4750.96,"endTime":4753.9,"body":"all the rest of it. But hey,"},{"speaker":"Alan Smith","startTime":4750.96,"endTime":4753.9,"body":"help. There we go. Someone who"},{"speaker":"Alan Smith","startTime":4753.9,"endTime":4754.41,"body":"has gotten"},{"speaker":"Carl Widger","startTime":4754.74,"endTime":4757.26,"body":"our echo echo"},{"speaker":"Carl Widger","startTime":4754.74,"endTime":4757.26,"body":"chamber. Yeah, we're loving it."},{"speaker":"Alan Smith","startTime":4757.44,"endTime":4759.75,"body":"The someone who has"},{"speaker":"Alan Smith","startTime":4757.44,"endTime":4759.75,"body":"got this kind of this whole kind"},{"speaker":"Alan Smith","startTime":4759.75,"endTime":4762.39,"body":"of content thing down to a fine"},{"speaker":"Alan Smith","startTime":4759.75,"endTime":4762.39,"body":"art is the author of my"},{"speaker":"Alan Smith","startTime":4762.39,"endTime":4766.62,"body":"recommendation for culture"},{"speaker":"Alan Smith","startTime":4762.39,"endTime":4766.62,"body":"corner, a close personal friend"},{"speaker":"Alan Smith","startTime":4766.62,"endTime":4771.0,"body":"of mine, Nick, right. Got"},{"speaker":"Alan Smith","startTime":4776.04,"endTime":4781.2,"body":"it Yeah, a guy called Ali Abdol,"},{"speaker":"Alan Smith","startTime":4776.04,"endTime":4781.2,"body":"who I've had a few chats with"},{"speaker":"Alan Smith","startTime":4781.23,"endTime":4784.26,"body":"the last year or so I'd love to"},{"speaker":"Alan Smith","startTime":4781.23,"endTime":4784.26,"body":"get him on my pod. And he may"},{"speaker":"Alan Smith","startTime":4784.26,"endTime":4786.18,"body":"well do that very"},{"speaker":"Alan Smith","startTime":4784.26,"endTime":4786.18,"body":"entrepreneurial guy. He's a guy"},{"speaker":"Alan Smith","startTime":4786.18,"endTime":4790.14,"body":"who was qualified as a doctor"},{"speaker":"Alan Smith","startTime":4786.18,"endTime":4790.14,"body":"was top and Cambridge. And"},{"speaker":"Alan Smith","startTime":4790.17,"endTime":4793.92,"body":"started as a side hustle a"},{"speaker":"Alan Smith","startTime":4790.17,"endTime":4793.92,"body":"YouTube channel, which is"},{"speaker":"Alan Smith","startTime":4793.92,"endTime":4797.28,"body":"obviously nobody's doing full"},{"speaker":"Alan Smith","startTime":4793.92,"endTime":4797.28,"body":"time highly successful. Or the"},{"speaker":"Alan Smith","startTime":4797.28,"endTime":4799.65,"body":"information is called a he's"},{"speaker":"Alan Smith","startTime":4797.28,"endTime":4799.65,"body":"doing about 5 million revenue a"},{"speaker":"Alan Smith","startTime":4799.65,"endTime":4804.12,"body":"year as effectively a tiny small"},{"speaker":"Alan Smith","startTime":4799.65,"endTime":4804.12,"body":"media company creating high"},{"speaker":"Alan Smith","startTime":4804.12,"endTime":4808.3499999999995,"body":"quality content on YouTube and"},{"speaker":"Alan Smith","startTime":4804.12,"endTime":4808.3499999999995,"body":"other places. His new book just"},{"speaker":"Alan Smith","startTime":4808.3499999999995,"endTime":4812.43,"body":"come out is called feel good"},{"speaker":"Alan Smith","startTime":4808.3499999999995,"endTime":4812.43,"body":"productivity. And just read it"},{"speaker":"Alan Smith","startTime":4812.46,"endTime":4816.0,"body":"and it is really good. It's not"},{"speaker":"Alan Smith","startTime":4812.46,"endTime":4816.0,"body":"one of these boring productivity"},{"speaker":"Alan Smith","startTime":4816.0,"endTime":4818.49,"body":"books about I don't know get up"},{"speaker":"Alan Smith","startTime":4816.0,"endTime":4818.49,"body":"early in the morning and do time"},{"speaker":"Alan Smith","startTime":4818.49,"endTime":4821.07,"body":"blocking and stuff is backed"},{"speaker":"Alan Smith","startTime":4818.49,"endTime":4821.07,"body":"with a lot of evidence or a"},{"speaker":"Alan Smith","startTime":4821.07,"endTime":4825.2699999999995,"body":"science, which I like. And"},{"speaker":"Alan Smith","startTime":4821.07,"endTime":4825.2699999999995,"body":"really as the title would"},{"speaker":"Alan Smith","startTime":4825.2699999999995,"endTime":4828.3,"body":"suggest it is about being"},{"speaker":"Alan Smith","startTime":4825.2699999999995,"endTime":4828.3,"body":"productive while also enjoying"},{"speaker":"Alan Smith","startTime":4828.3,"endTime":4831.36,"body":"it and feeling good. So he has"},{"speaker":"Alan Smith","startTime":4828.3,"endTime":4831.36,"body":"some very useful tips, tactics"},{"speaker":"Alan Smith","startTime":4831.36,"endTime":4836.07,"body":"and recommendations to make your"},{"speaker":"Alan Smith","startTime":4831.36,"endTime":4836.07,"body":"work better, more enjoyable and"},{"speaker":"Alan Smith","startTime":4836.07,"endTime":4839.97,"body":"indeed a far more productive"},{"speaker":"Alan Smith","startTime":4836.07,"endTime":4839.97,"body":"process. It is worth reading is"},{"speaker":"Alan Smith","startTime":4839.97,"endTime":4843.87,"body":"a good book, Ali Abdol feel good"},{"speaker":"Alan Smith","startTime":4839.97,"endTime":4843.87,"body":"productivity. Thank you."},{"speaker":"Nick Lincoln","startTime":4844.32,"endTime":4846.51,"body":"Great stuff. Thank"},{"speaker":"Nick Lincoln","startTime":4844.32,"endTime":4846.51,"body":"you. Yeah, Ali Ultra."},{"speaker":"Andy Hart","startTime":4848.3099999999995,"endTime":4850.38,"body":"Okay, I've got three"},{"speaker":"Andy Hart","startTime":4848.3099999999995,"endTime":4850.38,"body":"recommendations. The first one"},{"speaker":"Andy Hart","startTime":4850.41,"endTime":4856.29,"body":"is visual capitalists, they've"},{"speaker":"Andy Hart","startTime":4850.41,"endTime":4856.29,"body":"put out a recent article called"},{"speaker":"Andy Hart","startTime":4856.29,"endTime":4861.45,"body":"the top 10 Retirement Planning"},{"speaker":"Andy Hart","startTime":4856.29,"endTime":4861.45,"body":"mistakes. This is by a company"},{"speaker":"Andy Hart","startTime":4861.45,"endTime":4865.05,"body":"called Natixis who I believe is"},{"speaker":"Andy Hart","startTime":4861.45,"endTime":4865.05,"body":"a French company. I'll read out"},{"speaker":"Andy Hart","startTime":4865.05,"endTime":4870.63,"body":"the first two or three. Number"},{"speaker":"Andy Hart","startTime":4865.05,"endTime":4870.63,"body":"one, underestimating the impact"},{"speaker":"Andy Hart","startTime":4870.63,"endTime":4874.5,"body":"of inflation number two,"},{"speaker":"Andy Hart","startTime":4870.63,"endTime":4874.5,"body":"underestimating how long you"},{"speaker":"Andy Hart","startTime":4874.5,"endTime":4879.0,"body":"will live. Number two Three"},{"speaker":"Andy Hart","startTime":4874.5,"endTime":4879.0,"body":"overestimating investment"},{"speaker":"Andy Hart","startTime":4879.0,"endTime":4885.0599999999995,"body":"income. This is a sort of list"},{"speaker":"Andy Hart","startTime":4879.0,"endTime":4885.0599999999995,"body":"of why we exist basically. So I"},{"speaker":"Andy Hart","startTime":4885.0599999999995,"endTime":4889.89,"body":"do recommend checking that out."},{"speaker":"Andy Hart","startTime":4885.0599999999995,"endTime":4889.89,"body":"And he comments on that while"},{"speaker":"Alan Smith","startTime":4890.8499999999995,"endTime":4894.75,"body":"just Well now that's"},{"speaker":"Alan Smith","startTime":4890.8499999999995,"endTime":4894.75,"body":"just mind blowing move on. Well"},{"speaker":"Alan Smith","startTime":4894.75,"endTime":4897.51,"body":"and you go Okay two more to go"},{"speaker":"Alan Smith","startTime":4894.75,"endTime":4897.51,"body":"Next"},{"speaker":"Andy Hart","startTime":4897.54,"endTime":4901.98,"body":"I've got you are no"},{"speaker":"Andy Hart","startTime":4897.54,"endTime":4901.98,"body":"are Harare who is the author of"},{"speaker":"Andy Hart","startTime":4901.98,"endTime":4909.0,"body":"sapiens is on Diary of a CEO"},{"speaker":"Andy Hart","startTime":4901.98,"endTime":4909.0,"body":"podcast as a YouTube link there."},{"speaker":"Andy Hart","startTime":4909.48,"endTime":4912.0,"body":"And finally it's a book"},{"speaker":"Andy Hart","startTime":4909.48,"endTime":4912.0,"body":"recommendation that I'm reading"},{"speaker":"Andy Hart","startTime":4912.0,"endTime":4915.54,"body":"at the moment quite sort of"},{"speaker":"Andy Hart","startTime":4912.0,"endTime":4915.54,"body":"actively it's called the Family"},{"speaker":"Andy Hart","startTime":4915.54,"endTime":4918.03,"body":"board meeting I don't know if"},{"speaker":"Andy Hart","startTime":4915.54,"endTime":4918.03,"body":"any of you have come across it"},{"speaker":"Andy Hart","startTime":4918.39,"endTime":4923.07,"body":"it's the sort of subtitle is you"},{"speaker":"Andy Hart","startTime":4918.39,"endTime":4923.07,"body":"have 18 summers to create"},{"speaker":"Andy Hart","startTime":4923.07,"endTime":4927.5999999999995,"body":"lasting connection with your"},{"speaker":"Andy Hart","startTime":4923.07,"endTime":4927.5999999999995,"body":"children so yeah, it's got a"},{"speaker":"Andy Hart","startTime":4927.5999999999995,"endTime":4933.96,"body":"whole sort of process and weigh"},{"speaker":"Andy Hart","startTime":4927.5999999999995,"endTime":4933.96,"body":"around how to spend quality time"},{"speaker":"Andy Hart","startTime":4933.96,"endTime":4936.87,"body":"with your children and also it's"},{"speaker":"Andy Hart","startTime":4933.96,"endTime":4936.87,"body":"quite a relevant for"},{"speaker":"Andy Hart","startTime":4936.87,"endTime":4939.93,"body":"entrepreneurs that have children"},{"speaker":"Andy Hart","startTime":4936.87,"endTime":4939.93,"body":"and was hit me between the eyes"},{"speaker":"Andy Hart","startTime":4939.93,"endTime":4944.13,"body":"basically this book I don't know"},{"speaker":"Andy Hart","startTime":4939.93,"endTime":4944.13,"body":"if you boys have dabbled in this"},{"speaker":"Andy Hart","startTime":4944.13,"endTime":4946.68,"body":"in the past but it's a strong"},{"speaker":"Andy Hart","startTime":4944.13,"endTime":4946.68,"body":"recommendation for people to"},{"speaker":"Andy Hart","startTime":4946.68,"endTime":4949.86,"body":"have young kids that also run"},{"speaker":"Andy Hart","startTime":4946.68,"endTime":4949.86,"body":"their own businesses they're my"},{"speaker":"Andy Hart","startTime":4950.37,"endTime":4954.2699999999995,"body":"three culture corners Okay,"},{"speaker":"Alan Smith","startTime":4954.3,"endTime":4956.76,"body":"I just love the way"},{"speaker":"Alan Smith","startTime":4954.3,"endTime":4956.76,"body":"that you you share them with"},{"speaker":"Alan Smith","startTime":4956.79,"endTime":4961.5,"body":"there's so much energy passion"},{"speaker":"Alan Smith","startTime":4956.79,"endTime":4961.5,"body":"it's incredible it's I'm buying"},{"speaker":"Alan Smith","startTime":4961.5,"endTime":4962.79,"body":"that book right now brick"},{"speaker":"Nick Lincoln","startTime":4962.79,"endTime":4963.99,"body":"in that's just"},{"speaker":"Nick Lincoln","startTime":4962.79,"endTime":4963.99,"body":"freaking culture"},{"speaker":"Andy Hart","startTime":4963.99,"endTime":4967.2,"body":"corner me it's just a"},{"speaker":"Andy Hart","startTime":4963.99,"endTime":4967.2,"body":"links to interesting things."},{"speaker":"Andy Hart","startTime":4967.95,"endTime":4968.37,"body":"Culture"},{"speaker":"Carl Widger","startTime":4968.37,"endTime":4970.89,"body":"corner, not culture"},{"speaker":"Carl Widger","startTime":4968.37,"endTime":4970.89,"body":"corners."},{"speaker":"Nick Lincoln","startTime":4973.23,"endTime":4978.39,"body":"Leave Ultra. My"},{"speaker":"Nick Lincoln","startTime":4973.23,"endTime":4978.39,"body":"father fractured his femur at"},{"speaker":"Nick Lincoln","startTime":4978.39,"endTime":4980.64,"body":"the end of last year is"},{"speaker":"Nick Lincoln","startTime":4978.39,"endTime":4980.64,"body":"recuperating. And he's reading"},{"speaker":"Nick Lincoln","startTime":4980.64,"endTime":4983.19,"body":"it's not been a great read. He"},{"speaker":"Nick Lincoln","startTime":4980.64,"endTime":4983.19,"body":"doesn't he hasn't loads of books"},{"speaker":"Nick Lincoln","startTime":4983.19,"endTime":4987.57,"body":"but specialist subjects. Um, but"},{"speaker":"Nick Lincoln","startTime":4983.19,"endTime":4987.57,"body":"he's just started really heavily"},{"speaker":"Nick Lincoln","startTime":4987.57,"endTime":4990.15,"body":"in this rehab thing and he read"},{"speaker":"Nick Lincoln","startTime":4987.57,"endTime":4990.15,"body":"these threads. He said we read"},{"speaker":"Nick Lincoln","startTime":4990.15,"endTime":4993.75,"body":"this book Sapiens or Sapiens, I"},{"speaker":"Nick Lincoln","startTime":4990.15,"endTime":4993.75,"body":"said that yeah, you so it's just"},{"speaker":"Nick Lincoln","startTime":4993.78,"endTime":4996.39,"body":"he's just finished that and he's"},{"speaker":"Nick Lincoln","startTime":4993.78,"endTime":4996.39,"body":"that you thoroughly enjoyed it."},{"speaker":"Nick Lincoln","startTime":4996.39,"endTime":5000.71,"body":"That's why That's Harare is well"},{"speaker":"Nick Lincoln","startTime":4996.39,"endTime":5000.71,"body":"known book, isn't it? The How do"},{"speaker":"Nick Lincoln","startTime":5000.71,"endTime":5001.73,"body":"you say Sapiens"},{"speaker":"Andy Hart","startTime":5004.0999999999995,"endTime":5007.79,"body":"saved this, he's, I"},{"speaker":"Andy Hart","startTime":5004.0999999999995,"endTime":5007.79,"body":"think he sold homosapiens. He"},{"speaker":"Andy Hart","startTime":5007.79,"endTime":5011.51,"body":"sold 18 million books. I think"},{"speaker":"Andy Hart","startTime":5007.79,"endTime":5011.51,"body":"he's the highest selling sort of"},{"speaker":"Andy Hart","startTime":5011.51,"endTime":5014.24,"body":"modern author. Staggering."},{"speaker":"Nick Lincoln","startTime":5015.3499999999995,"endTime":5019.34,"body":"Okay. When you go,"},{"speaker":"Nick Lincoln","startTime":5015.3499999999995,"endTime":5019.34,"body":"right, gents, we're at two"},{"speaker":"Nick Lincoln","startTime":5019.34,"endTime":5022.67,"body":"minutes in and this catastrophe"},{"speaker":"Nick Lincoln","startTime":5019.34,"endTime":5022.67,"body":"that we call the real advisor"},{"speaker":"Nick Lincoln","startTime":5022.67,"endTime":5026.15,"body":"podcast, so I think I think"},{"speaker":"Nick Lincoln","startTime":5022.67,"endTime":5026.15,"body":"we'll make it a wrap for this"},{"speaker":"Nick Lincoln","startTime":5026.15,"endTime":5032.36,"body":"episode. As part of trading,"},{"speaker":"Nick Lincoln","startTime":5026.15,"endTime":5032.36,"body":"definitely spend the time go on"},{"speaker":"Nick Lincoln","startTime":5032.39,"endTime":5033.23,"body":"talk over me one on"},{"speaker":"Carl Widger","startTime":5034.5199999999995,"endTime":5038.18,"body":"one on YouTube. You"},{"speaker":"Carl Widger","startTime":5034.5199999999995,"endTime":5038.18,"body":"need some visuals for this."},{"speaker":"Nick Lincoln","startTime":5040.0999999999995,"endTime":5043.25,"body":"Somebody's visual"},{"speaker":"Nick Lincoln","startTime":5040.0999999999995,"endTime":5043.25,"body":"Come on. Thank you. For the love"},{"speaker":"Nick Lincoln","startTime":5043.25,"endTime":5046.5199999999995,"body":"of God review on iTunes six out"},{"speaker":"Nick Lincoln","startTime":5043.25,"endTime":5046.5199999999995,"body":"of five stars. It's fantastic."},{"speaker":"Nick Lincoln","startTime":5046.55,"endTime":5049.0999999999995,"body":"If you watch us on YouTube,"},{"speaker":"Nick Lincoln","startTime":5046.55,"endTime":5049.0999999999995,"body":"please do subscribe as well."},{"speaker":"Nick Lincoln","startTime":5049.67,"endTime":5052.8499999999995,"body":"That'd be great. But until the"},{"speaker":"Nick Lincoln","startTime":5049.67,"endTime":5052.8499999999995,"body":"next time from the wrap from the"},{"speaker":"Nick Lincoln","startTime":5052.8499999999995,"endTime":5056.03,"body":"rat pack from the Track Pack"},{"speaker":"Nick Lincoln","startTime":5052.8499999999995,"endTime":5056.03,"body":"even it's an EOS and take care"},{"speaker":"Nick Lincoln","startTime":5056.03,"endTime":5059.72,"body":"of the folks as licked Lincoln"},{"speaker":"Nick Lincoln","startTime":5056.03,"endTime":5059.72,"body":"reaches for the final outro"},{"speaker":"Nick Lincoln","startTime":5059.75,"endTime":5060.29,"body":"clicks it"},{"speaker":"Andy Hart","startTime":5060.29,"endTime":5060.98,"body":"absolutely"},{"speaker":"Nick Lincoln","startTime":5062.0,"endTime":5062.75,"body":"happens."},{"speaker":"Alan Smith","startTime":5065.99,"endTime":5071.18,"body":"For a shambles,"},{"speaker":"Alan Smith","startTime":5065.99,"endTime":5071.18,"body":"absolute shambles. Right Okay,"},{"speaker":"Alan Smith","startTime":5071.24,"endTime":5074.12,"body":"let's go. I've done I'm done."},{"speaker":"Alan Smith","startTime":5071.24,"endTime":5074.12,"body":"See you later. Bye."},{"speaker":"Andy Hart","startTime":5074.18,"endTime":5075.59,"body":"See you later. Bye"}]}