{"version":"1.0.0","segments":[{"speaker":"Alyssa Davies","startTime":0.0,"endTime":2.34,"body":"So they brought"},{"speaker":"Alyssa Davies","startTime":0.0,"endTime":2.34,"body":"me up on stage. They're like,"},{"speaker":"Alyssa Davies","startTime":2.34,"endTime":6.0,"body":"this is Alyssa she won the 5050"},{"speaker":"Alyssa Davies","startTime":2.34,"endTime":6.0,"body":"everyone's cheering Alyssa, what"},{"speaker":"Alyssa Davies","startTime":6.0,"endTime":7.23,"body":"are you gonna do with the money?"},{"speaker":"Alyssa Davies","startTime":9.84,"endTime":13.44,"body":"And I'm like, I'm gonna put it"},{"speaker":"Alyssa Davies","startTime":9.84,"endTime":13.44,"body":"in my RSP."},{"speaker":"Alyssa Davies","startTime":15.839,"endTime":18.059,"body":"The entire crowd booed me off"},{"speaker":"Alyssa Davies","startTime":15.839,"endTime":18.059,"body":"the stage."},{"speaker":"Alyssa Davies","startTime":32.07,"endTime":34.65,"body":"Hi, this is Alyssa Davies from"},{"speaker":"Alyssa Davies","startTime":32.07,"endTime":34.65,"body":"mixed up money and you're"},{"speaker":"Alyssa Davies","startTime":34.65,"endTime":36.84,"body":"listening to mostly money with"},{"speaker":"Alyssa Davies","startTime":34.65,"endTime":36.84,"body":"Preet Banerjee."},{"speaker":"Preet Banerjee","startTime":43.23,"endTime":46.02,"body":"This is mostly"},{"speaker":"Preet Banerjee","startTime":43.23,"endTime":46.02,"body":"money and I'm your host Preet"},{"speaker":"Preet Banerjee","startTime":46.02,"endTime":48.24,"body":"Banerjee, and on the show today"},{"speaker":"Preet Banerjee","startTime":46.02,"endTime":48.24,"body":"I'll be speaking with one of the"},{"speaker":"Preet Banerjee","startTime":48.24,"endTime":51.99,"body":"most popular personal finance"},{"speaker":"Preet Banerjee","startTime":48.24,"endTime":51.99,"body":"personalities in Canada, the"},{"speaker":"Preet Banerjee","startTime":51.99,"endTime":56.01,"body":"star behind the mixed up money"},{"speaker":"Preet Banerjee","startTime":51.99,"endTime":56.01,"body":"community we're gonna talk"},{"speaker":"Preet Banerjee","startTime":56.01,"endTime":59.88,"body":"about, among other things, how"},{"speaker":"Preet Banerjee","startTime":56.01,"endTime":59.88,"body":"to effectively communicate with"},{"speaker":"Preet Banerjee","startTime":59.88,"endTime":61.98,"body":"a partner about money."},{"speaker":"Preet Banerjee","startTime":70.68,"endTime":74.61,"body":"Alyssa Davies is a content"},{"speaker":"Preet Banerjee","startTime":70.68,"endTime":74.61,"body":"specialist for zolo and a"},{"speaker":"Preet Banerjee","startTime":74.61,"endTime":77.76,"body":"published author living in"},{"speaker":"Preet Banerjee","startTime":74.61,"endTime":77.76,"body":"Calgary, Alberta. She's the"},{"speaker":"Preet Banerjee","startTime":77.76,"endTime":81.45,"body":"founder of the two time award"},{"speaker":"Preet Banerjee","startTime":77.76,"endTime":81.45,"body":"winning Canadian personal"},{"speaker":"Preet Banerjee","startTime":81.45,"endTime":86.64,"body":"finance blog of the year, mixed"},{"speaker":"Preet Banerjee","startTime":81.45,"endTime":86.64,"body":"up money that has over 30,000"},{"speaker":"Preet Banerjee","startTime":86.64,"endTime":89.25,"body":"followers across social media."},{"speaker":"Preet Banerjee","startTime":86.64,"endTime":89.25,"body":"Through her work. She's been"},{"speaker":"Preet Banerjee","startTime":89.25,"endTime":92.79,"body":"featured in many notable"},{"speaker":"Preet Banerjee","startTime":89.25,"endTime":92.79,"body":"publications including the Globe"},{"speaker":"Preet Banerjee","startTime":92.79,"endTime":99.24,"body":"and Mail, flare, global news and"},{"speaker":"Preet Banerjee","startTime":92.79,"endTime":99.24,"body":"many more. Her first book, The"},{"speaker":"Preet Banerjee","startTime":99.24,"endTime":103.38,"body":"100 day financial goal journal"},{"speaker":"Preet Banerjee","startTime":99.24,"endTime":103.38,"body":"was published in 2020. I am a"},{"speaker":"Preet Banerjee","startTime":103.38,"endTime":107.52,"body":"proud owner of a copy. Alyssa"},{"speaker":"Preet Banerjee","startTime":103.38,"endTime":107.52,"body":"has been a freelance writer for"},{"speaker":"Preet Banerjee","startTime":107.52,"endTime":110.19,"body":"six years and enjoys writing"},{"speaker":"Preet Banerjee","startTime":107.52,"endTime":110.19,"body":"about personal finance,"},{"speaker":"Preet Banerjee","startTime":110.19,"endTime":114.18,"body":"homeownership, and more. When"},{"speaker":"Preet Banerjee","startTime":110.19,"endTime":114.18,"body":"she's not writing, you can find"},{"speaker":"Preet Banerjee","startTime":114.18,"endTime":117.48,"body":"her enjoying some downtime with"},{"speaker":"Preet Banerjee","startTime":114.18,"endTime":117.48,"body":"her daughter playing soccer or"},{"speaker":"Preet Banerjee","startTime":117.48,"endTime":121.02,"body":"daydreaming about home decor."},{"speaker":"Preet Banerjee","startTime":117.48,"endTime":121.02,"body":"Alyssa, welcome to the show."},{"speaker":"Alyssa Davies","startTime":121.5,"endTime":124.2,"body":"Thanks for having"},{"speaker":"Alyssa Davies","startTime":121.5,"endTime":124.2,"body":"me. That intro. I'm blushing"},{"speaker":"Alyssa Davies","startTime":124.2,"endTime":124.68,"body":"over here."},{"speaker":"Preet Banerjee","startTime":125.67,"endTime":128.07,"body":"Don't worry, we"},{"speaker":"Preet Banerjee","startTime":125.67,"endTime":128.07,"body":"don't record video, just audio."},{"speaker":"Preet Banerjee","startTime":128.28,"endTime":131.94,"body":"Thank God. Okay. So there are a"},{"speaker":"Preet Banerjee","startTime":128.28,"endTime":131.94,"body":"number of things I want to talk"},{"speaker":"Preet Banerjee","startTime":131.94,"endTime":134.61,"body":"about today with you. But the"},{"speaker":"Preet Banerjee","startTime":131.94,"endTime":134.61,"body":"first thing I want to talk about"},{"speaker":"Preet Banerjee","startTime":134.64,"endTime":139.41,"body":"is you in the bio it says here"},{"speaker":"Preet Banerjee","startTime":134.64,"endTime":139.41,"body":"to time award winning Canadian"},{"speaker":"Preet Banerjee","startTime":139.41,"endTime":142.8,"body":"personal finance blog of the"},{"speaker":"Preet Banerjee","startTime":139.41,"endTime":142.8,"body":"year. I you know, have seen your"},{"speaker":"Preet Banerjee","startTime":142.8,"endTime":145.86,"body":"content over the years, but I"},{"speaker":"Preet Banerjee","startTime":142.8,"endTime":145.86,"body":"haven't actually gone to the"},{"speaker":"Preet Banerjee","startTime":145.86,"endTime":149.64,"body":"website and look at the website"},{"speaker":"Preet Banerjee","startTime":145.86,"endTime":149.64,"body":"as a whole it is I think maybe"},{"speaker":"Preet Banerjee","startTime":149.64,"endTime":153.42,"body":"the most beautiful blog in"},{"speaker":"Preet Banerjee","startTime":149.64,"endTime":153.42,"body":"Canada like it is really well"},{"speaker":"Preet Banerjee","startTime":153.42,"endTime":155.22,"body":"done. Did you do that all"},{"speaker":"Preet Banerjee","startTime":153.42,"endTime":155.22,"body":"yourself?"},{"speaker":"Alyssa Davies","startTime":155.58,"endTime":157.8,"body":"Yeah, I did."},{"speaker":"Alyssa Davies","startTime":155.58,"endTime":157.8,"body":"Actually, I spent like a full"},{"speaker":"Alyssa Davies","startTime":157.8,"endTime":162.24,"body":"month just locked up in my room"},{"speaker":"Alyssa Davies","startTime":157.8,"endTime":162.24,"body":"playing around and it was"},{"speaker":"Alyssa Davies","startTime":162.24,"endTime":163.2,"body":"actually really fun."},{"speaker":"Preet Banerjee","startTime":163.5,"endTime":165.24,"body":"Yeah, no, it's"},{"speaker":"Preet Banerjee","startTime":163.5,"endTime":165.24,"body":"amazing. And if I'm not"},{"speaker":"Preet Banerjee","startTime":165.24,"endTime":168.93,"body":"mistaken, you also do all the"},{"speaker":"Preet Banerjee","startTime":165.24,"endTime":168.93,"body":"art yourself. Like all the"},{"speaker":"Preet Banerjee","startTime":170.04,"endTime":173.19,"body":"photos that the pictures of the"},{"speaker":"Preet Banerjee","startTime":170.04,"endTime":173.19,"body":"drawing of different people, you"},{"speaker":"Preet Banerjee","startTime":173.19,"endTime":176.52,"body":"do that as well. So do you have"},{"speaker":"Preet Banerjee","startTime":173.19,"endTime":176.52,"body":"like some like artistic"},{"speaker":"Preet Banerjee","startTime":176.58,"endTime":179.25,"body":"background or something? Or is"},{"speaker":"Preet Banerjee","startTime":176.58,"endTime":179.25,"body":"this just a skill that you"},{"speaker":"Preet Banerjee","startTime":179.25,"endTime":179.79,"body":"developed?"},{"speaker":"Alyssa Davies","startTime":180.06,"endTime":183.93,"body":"This is a"},{"speaker":"Alyssa Davies","startTime":180.06,"endTime":183.93,"body":"quarantine skill. I had never"},{"speaker":"Alyssa Davies","startTime":183.93,"endTime":187.47,"body":"touched a pen or pencil other"},{"speaker":"Alyssa Davies","startTime":183.93,"endTime":187.47,"body":"than my daughter's crayons. And"},{"speaker":"Alyssa Davies","startTime":187.47,"endTime":190.38,"body":"then and then I picked up my"},{"speaker":"Alyssa Davies","startTime":187.47,"endTime":190.38,"body":"iPad,"},{"speaker":"Preet Banerjee","startTime":190.59,"endTime":193.05,"body":"that young that"},{"speaker":"Preet Banerjee","startTime":190.59,"endTime":193.05,"body":"you've never actually touched a"},{"speaker":"Preet Banerjee","startTime":193.05,"endTime":195.93,"body":"pen or pencil and grew up in the"},{"speaker":"Preet Banerjee","startTime":193.05,"endTime":195.93,"body":"digital world. Are you trying to"},{"speaker":"Preet Banerjee","startTime":195.93,"endTime":197.22,"body":"make me feel like an old geezer?"},{"speaker":"Alyssa Davies","startTime":197.67,"endTime":200.76,"body":"Well, yeah, that"},{"speaker":"Alyssa Davies","startTime":197.67,"endTime":200.76,"body":"was the goal. But I meant to"},{"speaker":"Alyssa Davies","startTime":200.76,"endTime":201.54,"body":"draw with."},{"speaker":"Preet Banerjee","startTime":202.049,"endTime":204.449,"body":"Okay, okay, so"},{"speaker":"Preet Banerjee","startTime":202.049,"endTime":204.449,"body":"you have you have touch pens and"},{"speaker":"Preet Banerjee","startTime":204.449,"endTime":205.079,"body":"pencils? Yeah,"},{"speaker":"Alyssa Davies","startTime":205.29,"endTime":207.63,"body":"I did use an h2"},{"speaker":"Alyssa Davies","startTime":205.29,"endTime":207.63,"body":"pencil for all of my multiple"},{"speaker":"Alyssa Davies","startTime":207.63,"endTime":208.35,"body":"choice exams."},{"speaker":"Preet Banerjee","startTime":210.42,"endTime":212.55,"body":"Well, it's"},{"speaker":"Preet Banerjee","startTime":210.42,"endTime":212.55,"body":"great. And you know, of course,"},{"speaker":"Preet Banerjee","startTime":212.55,"endTime":215.01,"body":"I'm gonna put in the shownotes,"},{"speaker":"Preet Banerjee","startTime":212.55,"endTime":215.01,"body":"the website, people can go visit"},{"speaker":"Preet Banerjee","startTime":215.01,"endTime":219.06,"body":"it. But some of the content that"},{"speaker":"Preet Banerjee","startTime":215.01,"endTime":219.06,"body":"you've been putting out lately,"},{"speaker":"Preet Banerjee","startTime":219.06,"endTime":221.64,"body":"I know you have a course that"},{"speaker":"Preet Banerjee","startTime":219.06,"endTime":221.64,"body":"talks about this as well is"},{"speaker":"Preet Banerjee","startTime":221.64,"endTime":225.42,"body":"about communication with a"},{"speaker":"Preet Banerjee","startTime":221.64,"endTime":225.42,"body":"partner, and for couples, and I"},{"speaker":"Preet Banerjee","startTime":225.42,"endTime":230.58,"body":"think this is something that is"},{"speaker":"Preet Banerjee","startTime":225.42,"endTime":230.58,"body":"super, super important. So So"},{"speaker":"Preet Banerjee","startTime":230.58,"endTime":234.21,"body":"let's talk about that"},{"speaker":"Preet Banerjee","startTime":230.58,"endTime":234.21,"body":"communication within a couple"},{"speaker":"Preet Banerjee","startTime":234.3,"endTime":237.36,"body":"specifically about money. But we"},{"speaker":"Preet Banerjee","startTime":234.3,"endTime":237.36,"body":"can talk about some other topics"},{"speaker":"Preet Banerjee","startTime":237.36,"endTime":241.05,"body":"as well. I want to ask you,"},{"speaker":"Preet Banerjee","startTime":237.36,"endTime":241.05,"body":"because I see your Instagram"},{"speaker":"Preet Banerjee","startTime":241.05,"endTime":244.32,"body":"followers super engage your"},{"speaker":"Preet Banerjee","startTime":241.05,"endTime":244.32,"body":"community? What are some of the"},{"speaker":"Preet Banerjee","startTime":244.32,"endTime":248.55,"body":"questions that people find are"},{"speaker":"Preet Banerjee","startTime":244.32,"endTime":248.55,"body":"uncomfortable to ask to a"},{"speaker":"Preet Banerjee","startTime":248.55,"endTime":249.09,"body":"partner?"},{"speaker":"Alyssa Davies","startTime":250.2,"endTime":252.66,"body":"That's a good"},{"speaker":"Alyssa Davies","startTime":250.2,"endTime":252.66,"body":"one. Um, definitely the most"},{"speaker":"Alyssa Davies","startTime":252.66,"endTime":256.62,"body":"common questions that I get from"},{"speaker":"Alyssa Davies","startTime":252.66,"endTime":256.62,"body":"readers is asking someone how"},{"speaker":"Alyssa Davies","startTime":256.62,"endTime":259.38,"body":"much they make without coming"},{"speaker":"Alyssa Davies","startTime":256.62,"endTime":259.38,"body":"across a little bit too"},{"speaker":"Alyssa Davies","startTime":259.38,"endTime":262.89,"body":"aggressive, especially if you're"},{"speaker":"Alyssa Davies","startTime":259.38,"endTime":262.89,"body":"early on in your relationship."},{"speaker":"Alyssa Davies","startTime":263.55,"endTime":268.83,"body":"And then another one is, do you"},{"speaker":"Alyssa Davies","startTime":263.55,"endTime":268.83,"body":"have any debt? But further than"},{"speaker":"Alyssa Davies","startTime":268.83,"endTime":271.86,"body":"that, how much how much debt do"},{"speaker":"Alyssa Davies","startTime":268.83,"endTime":271.86,"body":"you have? If they If the answer"},{"speaker":"Alyssa Davies","startTime":271.86,"endTime":277.17,"body":"is yes. And then how to split"},{"speaker":"Alyssa Davies","startTime":271.86,"endTime":277.17,"body":"the bills. Most of my following"},{"speaker":"Alyssa Davies","startTime":277.17,"endTime":279.96,"body":"is female and a lot of them are"},{"speaker":"Alyssa Davies","startTime":277.17,"endTime":279.96,"body":"higher earners in their"},{"speaker":"Alyssa Davies","startTime":279.96,"endTime":283.56,"body":"relationship. And they don't"},{"speaker":"Alyssa Davies","startTime":279.96,"endTime":283.56,"body":"know how to ask, what is"},{"speaker":"Alyssa Davies","startTime":283.56,"endTime":287.34,"body":"reasonable with 5050. Like how"},{"speaker":"Alyssa Davies","startTime":283.56,"endTime":287.34,"body":"can we make it more equal?"},{"speaker":"Preet Banerjee","startTime":287.73,"endTime":291.51,"body":"I know that, you"},{"speaker":"Preet Banerjee","startTime":287.73,"endTime":291.51,"body":"know, when I was early in my"},{"speaker":"Preet Banerjee","startTime":291.51,"endTime":293.7,"body":"career, not making a lot of"},{"speaker":"Preet Banerjee","startTime":291.51,"endTime":293.7,"body":"money, still having a lot of"},{"speaker":"Preet Banerjee","startTime":293.7,"endTime":297.24,"body":"debt. This was something that"},{"speaker":"Preet Banerjee","startTime":293.7,"endTime":297.24,"body":"would cause anxiety, you know,"},{"speaker":"Preet Banerjee","startTime":297.24,"endTime":299.85,"body":"like before you would go out you"},{"speaker":"Preet Banerjee","startTime":297.24,"endTime":299.85,"body":"would like log in to see how"},{"speaker":"Preet Banerjee","startTime":299.85,"endTime":303.06,"body":"much Money is on this, this"},{"speaker":"Preet Banerjee","startTime":299.85,"endTime":303.06,"body":"checking account that I'm hoping"},{"speaker":"Preet Banerjee","startTime":303.06,"endTime":306.78,"body":"to pay with. And, and you know,"},{"speaker":"Preet Banerjee","startTime":303.06,"endTime":306.78,"body":"when you're when you're going"},{"speaker":"Preet Banerjee","startTime":306.78,"endTime":309.63,"body":"out, maybe you want to impress"},{"speaker":"Preet Banerjee","startTime":306.78,"endTime":309.63,"body":"someone, sometimes you go to a"},{"speaker":"Preet Banerjee","startTime":309.63,"endTime":313.74,"body":"fancy place and cost a lot of"},{"speaker":"Preet Banerjee","startTime":309.63,"endTime":313.74,"body":"money. And for me, you know, it"},{"speaker":"Preet Banerjee","startTime":313.74,"endTime":316.95,"body":"was always I just assumed that I"},{"speaker":"Preet Banerjee","startTime":313.74,"endTime":316.95,"body":"was gonna pay, you know, sort of"},{"speaker":"Preet Banerjee","startTime":316.95,"endTime":320.61,"body":"the full amount. That's because"},{"speaker":"Preet Banerjee","startTime":316.95,"endTime":320.61,"body":"it's just kind of the way I was"},{"speaker":"Preet Banerjee","startTime":320.61,"endTime":322.71,"body":"raised, the world that I grew up"},{"speaker":"Preet Banerjee","startTime":320.61,"endTime":322.71,"body":"in is a little bit different, I"},{"speaker":"Preet Banerjee","startTime":322.71,"endTime":326.85,"body":"think back then. But now I think"},{"speaker":"Preet Banerjee","startTime":322.71,"endTime":326.85,"body":"it's much more likely that"},{"speaker":"Preet Banerjee","startTime":326.85,"endTime":329.31,"body":"people will talk about this, but"},{"speaker":"Preet Banerjee","startTime":326.85,"endTime":329.31,"body":"there's still some anxiety about"},{"speaker":"Preet Banerjee","startTime":329.31,"endTime":333.78,"body":"it. So what do you what do you"},{"speaker":"Preet Banerjee","startTime":329.31,"endTime":333.78,"body":"say to people, in terms of what"},{"speaker":"Preet Banerjee","startTime":333.78,"endTime":336.78,"body":"what how do you overcome these"},{"speaker":"Preet Banerjee","startTime":333.78,"endTime":336.78,"body":"hurdles? So we know what some of"},{"speaker":"Preet Banerjee","startTime":336.78,"endTime":340.02,"body":"these hurdles are. But how do"},{"speaker":"Preet Banerjee","startTime":336.78,"endTime":340.02,"body":"you actually overcome those"},{"speaker":"Preet Banerjee","startTime":340.02,"endTime":340.53,"body":"hurdles?"},{"speaker":"Alyssa Davies","startTime":341.43,"endTime":343.92,"body":"Yeah, it's it's"},{"speaker":"Alyssa Davies","startTime":341.43,"endTime":343.92,"body":"not a comfortable conversation,"},{"speaker":"Alyssa Davies","startTime":343.92,"endTime":346.29,"body":"no matter how long you've known"},{"speaker":"Alyssa Davies","startTime":343.92,"endTime":346.29,"body":"someone, like if you just meet"},{"speaker":"Alyssa Davies","startTime":346.29,"endTime":349.02,"body":"someone, it actually might be a"},{"speaker":"Alyssa Davies","startTime":346.29,"endTime":349.02,"body":"little easier. like it'd be"},{"speaker":"Alyssa Davies","startTime":349.02,"endTime":351.42,"body":"easier to walk up to a stranger"},{"speaker":"Alyssa Davies","startTime":349.02,"endTime":351.42,"body":"and ask a really uncomfortable"},{"speaker":"Alyssa Davies","startTime":351.42,"endTime":352.47,"body":"question, because"},{"speaker":"Preet Banerjee","startTime":352.5,"endTime":356.7,"body":"what's your FICO"},{"speaker":"Preet Banerjee","startTime":352.5,"endTime":356.7,"body":"score? Yeah, right. What's your"},{"speaker":"Preet Banerjee","startTime":356.7,"endTime":358.71,"body":"zodiac sign? And what's your"},{"speaker":"Preet Banerjee","startTime":356.7,"endTime":358.71,"body":"FICO score?"},{"speaker":"Alyssa Davies","startTime":359.13,"endTime":360.57,"body":"Those are really"},{"speaker":"Alyssa Davies","startTime":359.13,"endTime":360.57,"body":"important questions. If you're"},{"speaker":"Alyssa Davies","startTime":360.57,"endTime":361.26,"body":"gonna date them, well,"},{"speaker":"Preet Banerjee","startTime":361.26,"endTime":364.02,"body":"one of them is"},{"speaker":"Preet Banerjee","startTime":361.26,"endTime":364.02,"body":"not the sign I listen. Are you"},{"speaker":"Preet Banerjee","startTime":364.02,"endTime":365.64,"body":"into signs? Are you one of those"},{"speaker":"Preet Banerjee","startTime":364.02,"endTime":365.64,"body":"people?"},{"speaker":"Alyssa Davies","startTime":365.669,"endTime":366.629,"body":"I'm one of those"},{"speaker":"Alyssa Davies","startTime":365.669,"endTime":366.629,"body":"people?"},{"speaker":"Preet Banerjee","startTime":367.05,"endTime":367.77,"body":"What's your"},{"speaker":"Preet Banerjee","startTime":367.05,"endTime":367.77,"body":"sign?"},{"speaker":"Alyssa Davies","startTime":368.01,"endTime":368.85,"body":"I'm a cancer."},{"speaker":"Preet Banerjee","startTime":369.09,"endTime":370.95,"body":"Yes, he totally."},{"speaker":"Preet Banerjee","startTime":369.09,"endTime":370.95,"body":"That's why No, I'm kidding. I"},{"speaker":"Preet Banerjee","startTime":370.95,"endTime":373.35,"body":"have no idea what cancer is"},{"speaker":"Preet Banerjee","startTime":370.95,"endTime":373.35,"body":"like, I'm a Libra. What does"},{"speaker":"Preet Banerjee","startTime":373.35,"endTime":374.25,"body":"that tell you about me?"},{"speaker":"Alyssa Davies","startTime":374.88,"endTime":376.29,"body":"actually don't"},{"speaker":"Alyssa Davies","startTime":374.88,"endTime":376.29,"body":"know much about Libras. I think"},{"speaker":"Alyssa Davies","startTime":376.29,"endTime":379.53,"body":"you guys are pretty chill. Easy"},{"speaker":"Alyssa Davies","startTime":376.29,"endTime":379.53,"body":"to talk to?"},{"speaker":"Preet Banerjee","startTime":382.71,"endTime":383.25,"body":"podcast."},{"speaker":"Alyssa Davies","startTime":384.75,"endTime":386.52,"body":"I've had no"},{"speaker":"Alyssa Davies","startTime":384.75,"endTime":386.52,"body":"issues with any Libras. So"},{"speaker":"Alyssa Davies","startTime":386.52,"endTime":386.97,"body":"you're good. And"},{"speaker":"Preet Banerjee","startTime":388.8,"endTime":393.24,"body":"we're very milk"},{"speaker":"Preet Banerjee","startTime":388.8,"endTime":393.24,"body":"toast. Boring, mild. Okay."},{"speaker":"Preet Banerjee","startTime":393.6,"endTime":396.96,"body":"Anyway, so. So you were saying"},{"speaker":"Preet Banerjee","startTime":393.6,"endTime":396.96,"body":"sorry to cut you off. So you're"},{"speaker":"Preet Banerjee","startTime":396.96,"endTime":399.87,"body":"saying that there's some some"},{"speaker":"Preet Banerjee","startTime":396.96,"endTime":399.87,"body":"questions that are somewhat"},{"speaker":"Preet Banerjee","startTime":399.87,"endTime":402.36,"body":"uncomfortable to ask. But"},{"speaker":"Preet Banerjee","startTime":399.87,"endTime":402.36,"body":"sometimes it can be easier when"},{"speaker":"Preet Banerjee","startTime":402.36,"endTime":404.85,"body":"you don't know someone? Why is"},{"speaker":"Preet Banerjee","startTime":402.36,"endTime":404.85,"body":"that?"},{"speaker":"Alyssa Davies","startTime":405.45,"endTime":408.15,"body":"I think it's"},{"speaker":"Alyssa Davies","startTime":405.45,"endTime":408.15,"body":"just, it's almost like if you"},{"speaker":"Alyssa Davies","startTime":408.15,"endTime":410.43,"body":"have an issue that you want to"},{"speaker":"Alyssa Davies","startTime":408.15,"endTime":410.43,"body":"bring forward to a best friend,"},{"speaker":"Alyssa Davies","startTime":410.79,"endTime":412.68,"body":"you're almost embarrassed"},{"speaker":"Alyssa Davies","startTime":410.79,"endTime":412.68,"body":"because you know, they're"},{"speaker":"Alyssa Davies","startTime":412.68,"endTime":415.17,"body":"actually going to hold you"},{"speaker":"Alyssa Davies","startTime":412.68,"endTime":415.17,"body":"accountable to it, they're going"},{"speaker":"Alyssa Davies","startTime":415.17,"endTime":417.93,"body":"to be concerned for you. Whereas"},{"speaker":"Alyssa Davies","startTime":415.17,"endTime":417.93,"body":"if it's a stranger, they're"},{"speaker":"Alyssa Davies","startTime":417.93,"endTime":420.93,"body":"like, Okay, cool. You have debt,"},{"speaker":"Alyssa Davies","startTime":417.93,"endTime":420.93,"body":"like, that doesn't impact me."},{"speaker":"Alyssa Davies","startTime":421.29,"endTime":424.5,"body":"And I don't, I'm never gonna see"},{"speaker":"Alyssa Davies","startTime":421.29,"endTime":424.5,"body":"you again. So it's easier"},{"speaker":"Alyssa Davies","startTime":424.5,"endTime":426.6,"body":"because you know, you can just"},{"speaker":"Alyssa Davies","startTime":424.5,"endTime":426.6,"body":"brush it off and get it off your"},{"speaker":"Alyssa Davies","startTime":426.6,"endTime":429.54,"body":"chest, whereas with your friends"},{"speaker":"Alyssa Davies","startTime":426.6,"endTime":429.54,"body":"or family or a loved one, it's"},{"speaker":"Alyssa Davies","startTime":429.54,"endTime":431.88,"body":"more like, Okay, well, now I"},{"speaker":"Alyssa Davies","startTime":429.54,"endTime":431.88,"body":"told them, so now I need to do"},{"speaker":"Alyssa Davies","startTime":431.88,"endTime":432.69,"body":"something about it."},{"speaker":"Preet Banerjee","startTime":433.38,"endTime":435.15,"body":"You know that"},{"speaker":"Preet Banerjee","startTime":433.38,"endTime":435.15,"body":"that's really interesting,"},{"speaker":"Preet Banerjee","startTime":435.15,"endTime":437.85,"body":"because one of the things that"},{"speaker":"Preet Banerjee","startTime":435.15,"endTime":437.85,"body":"I've noticed that people have"},{"speaker":"Preet Banerjee","startTime":437.85,"endTime":441.51,"body":"been in serious relationships,"},{"speaker":"Preet Banerjee","startTime":437.85,"endTime":441.51,"body":"you know, sometimes they don't"},{"speaker":"Preet Banerjee","startTime":441.51,"endTime":444.72,"body":"always work out. And when they"},{"speaker":"Preet Banerjee","startTime":441.51,"endTime":444.72,"body":"start sort of re entering the"},{"speaker":"Preet Banerjee","startTime":444.72,"endTime":448.11,"body":"dating pool, they triangulate"},{"speaker":"Preet Banerjee","startTime":444.72,"endTime":448.11,"body":"faster, right? So they sort of"},{"speaker":"Preet Banerjee","startTime":448.11,"endTime":450.15,"body":"say, Well, I know there's a"},{"speaker":"Preet Banerjee","startTime":448.11,"endTime":450.15,"body":"whole bunch of things that I"},{"speaker":"Preet Banerjee","startTime":450.15,"endTime":453.24,"body":"don't want in a partner. So I'm"},{"speaker":"Preet Banerjee","startTime":450.15,"endTime":453.24,"body":"just gonna like, make sure that"},{"speaker":"Preet Banerjee","startTime":453.24,"endTime":456.78,"body":"I weed out those those things"},{"speaker":"Preet Banerjee","startTime":453.24,"endTime":456.78,"body":"early on as fast as possible."},{"speaker":"Preet Banerjee","startTime":456.78,"endTime":459.99,"body":"Because as time goes on, time"},{"speaker":"Preet Banerjee","startTime":456.78,"endTime":459.99,"body":"runs out, right, you have"},{"speaker":"Preet Banerjee","startTime":459.99,"endTime":463.23,"body":"different sort of like goals for"},{"speaker":"Preet Banerjee","startTime":459.99,"endTime":463.23,"body":"your family, and whether or not"},{"speaker":"Preet Banerjee","startTime":463.23,"endTime":467.4,"body":"you want to have kids if you"},{"speaker":"Preet Banerjee","startTime":463.23,"endTime":467.4,"body":"want to. And so weeding out what"},{"speaker":"Preet Banerjee","startTime":467.4,"endTime":470.61,"body":"you don't want becomes, I think,"},{"speaker":"Preet Banerjee","startTime":467.4,"endTime":470.61,"body":"easier for people who are older,"},{"speaker":"Preet Banerjee","startTime":471.03,"endTime":473.52,"body":"because they know they really"},{"speaker":"Preet Banerjee","startTime":471.03,"endTime":473.52,"body":"know what they don't like. But"},{"speaker":"Preet Banerjee","startTime":473.52,"endTime":477.93,"body":"when you're younger, it can be"},{"speaker":"Preet Banerjee","startTime":473.52,"endTime":477.93,"body":"tough. So give me an example of"},{"speaker":"Preet Banerjee","startTime":477.99,"endTime":482.07,"body":"when would be a good time to"},{"speaker":"Preet Banerjee","startTime":477.99,"endTime":482.07,"body":"start bringing up these things."},{"speaker":"Preet Banerjee","startTime":482.07,"endTime":484.74,"body":"I know, it's easy to joke about,"},{"speaker":"Preet Banerjee","startTime":482.07,"endTime":484.74,"body":"you know, on a first date, you"},{"speaker":"Preet Banerjee","startTime":484.74,"endTime":488.25,"body":"know, you can maybe talk about"},{"speaker":"Preet Banerjee","startTime":484.74,"endTime":488.25,"body":"the stresses in life, like"},{"speaker":"Preet Banerjee","startTime":488.25,"endTime":491.28,"body":"student debt or whatever. But"},{"speaker":"Preet Banerjee","startTime":488.25,"endTime":491.28,"body":"when do you really have that"},{"speaker":"Preet Banerjee","startTime":491.28,"endTime":494.01,"body":"first conversation about money"},{"speaker":"Preet Banerjee","startTime":491.28,"endTime":494.01,"body":"when when things are maybe"},{"speaker":"Preet Banerjee","startTime":494.01,"endTime":494.85,"body":"getting serious?"},{"speaker":"Alyssa Davies","startTime":495.24,"endTime":497.88,"body":"Yeah, well, I"},{"speaker":"Alyssa Davies","startTime":495.24,"endTime":497.88,"body":"think hopefully, I like to"},{"speaker":"Alyssa Davies","startTime":497.88,"endTime":500.31,"body":"encourage people to have the"},{"speaker":"Alyssa Davies","startTime":497.88,"endTime":500.31,"body":"conversation before they hit any"},{"speaker":"Alyssa Davies","startTime":500.34,"endTime":503.52,"body":"traditional milestones. Like"},{"speaker":"Alyssa Davies","startTime":500.34,"endTime":503.52,"body":"before you move in with someone"},{"speaker":"Alyssa Davies","startTime":503.55,"endTime":507.57,"body":"before you get married before"},{"speaker":"Alyssa Davies","startTime":503.55,"endTime":507.57,"body":"you have a kid. you kind of need"},{"speaker":"Alyssa Davies","startTime":507.57,"endTime":509.43,"body":"to talk about money."},{"speaker":"Alyssa Davies","startTime":507.57,"endTime":509.43,"body":"Unfortunately, it doesn't"},{"speaker":"Alyssa Davies","startTime":509.43,"endTime":511.89,"body":"happen. For a lot of people,"},{"speaker":"Alyssa Davies","startTime":509.43,"endTime":511.89,"body":"it's actually really common for"},{"speaker":"Alyssa Davies","startTime":511.92,"endTime":514.41,"body":"married people to be together"},{"speaker":"Alyssa Davies","startTime":511.92,"endTime":514.41,"body":"and still not talk about money"},{"speaker":"Alyssa Davies","startTime":514.41,"endTime":518.52,"body":"regularly. Like it's shocking"},{"speaker":"Alyssa Davies","startTime":514.41,"endTime":518.52,"body":"how often that happens. But you"},{"speaker":"Alyssa Davies","startTime":518.52,"endTime":520.95,"body":"need to have those conversations"},{"speaker":"Alyssa Davies","startTime":518.52,"endTime":520.95,"body":"when you're about to enter into"},{"speaker":"Alyssa Davies","startTime":520.95,"endTime":523.74,"body":"something that is going to"},{"speaker":"Alyssa Davies","startTime":520.95,"endTime":523.74,"body":"revolve around money. Like"},{"speaker":"Alyssa Davies","startTime":523.74,"endTime":526.11,"body":"almost every part of our life"},{"speaker":"Alyssa Davies","startTime":523.74,"endTime":526.11,"body":"includes something that has to"},{"speaker":"Alyssa Davies","startTime":526.11,"endTime":528.63,"body":"do with money. But if you're"},{"speaker":"Alyssa Davies","startTime":526.11,"endTime":528.63,"body":"living with someone, your money"},{"speaker":"Alyssa Davies","startTime":528.63,"endTime":531.48,"body":"becomes one in a sense, because"},{"speaker":"Alyssa Davies","startTime":528.63,"endTime":531.48,"body":"you're going to buy groceries"},{"speaker":"Alyssa Davies","startTime":531.48,"endTime":533.94,"body":"together, you're going to be"},{"speaker":"Alyssa Davies","startTime":531.48,"endTime":533.94,"body":"paying rent together, you're"},{"speaker":"Alyssa Davies","startTime":533.94,"endTime":535.74,"body":"going to be paying your"},{"speaker":"Alyssa Davies","startTime":533.94,"endTime":535.74,"body":"utilities together. So it's a"},{"speaker":"Alyssa Davies","startTime":535.74,"endTime":539.01,"body":"lot of things that suddenly"},{"speaker":"Alyssa Davies","startTime":535.74,"endTime":539.01,"body":"you're gonna have to face as a"},{"speaker":"Alyssa Davies","startTime":539.01,"endTime":541.95,"body":"team. Whereas you're probably"},{"speaker":"Alyssa Davies","startTime":539.01,"endTime":541.95,"body":"used to just like being living"},{"speaker":"Alyssa Davies","startTime":541.95,"endTime":544.5,"body":"with roommates or living on your"},{"speaker":"Alyssa Davies","startTime":541.95,"endTime":544.5,"body":"own. And it's easy to split"},{"speaker":"Alyssa Davies","startTime":544.5,"endTime":547.86,"body":"bills with those people because"},{"speaker":"Alyssa Davies","startTime":544.5,"endTime":547.86,"body":"there's no extra tension."},{"speaker":"Alyssa Davies","startTime":547.86,"endTime":550.62,"body":"There's no extra chemistry, it's"},{"speaker":"Alyssa Davies","startTime":547.86,"endTime":550.62,"body":"just, it's easy. They're your"},{"speaker":"Alyssa Davies","startTime":550.62,"endTime":552.39,"body":"friends, they're or they're a"},{"speaker":"Alyssa Davies","startTime":550.62,"endTime":552.39,"body":"stranger."},{"speaker":"Preet Banerjee","startTime":553.41,"endTime":556.65,"body":"And when it"},{"speaker":"Preet Banerjee","startTime":553.41,"endTime":556.65,"body":"comes to the dating scene, is"},{"speaker":"Preet Banerjee","startTime":556.65,"endTime":560.16,"body":"this something now that people"},{"speaker":"Preet Banerjee","startTime":556.65,"endTime":560.16,"body":"screen for on their profiles,"},{"speaker":"Preet Banerjee","startTime":560.16,"endTime":563.46,"body":"like I joked about people are"},{"speaker":"Preet Banerjee","startTime":560.16,"endTime":563.46,"body":"actually looking for debt loads"},{"speaker":"Preet Banerjee","startTime":563.46,"endTime":566.85,"body":"in and credit scores before they"},{"speaker":"Preet Banerjee","startTime":563.46,"endTime":566.85,"body":"decide to have that first date?"},{"speaker":"Preet Banerjee","startTime":566.88,"endTime":569.01,"body":"Is that is that something that"},{"speaker":"Preet Banerjee","startTime":566.88,"endTime":569.01,"body":"actually happens?"},{"speaker":"Alyssa Davies","startTime":569.64,"endTime":573.54,"body":"I don't think so."},{"speaker":"Alyssa Davies","startTime":569.64,"endTime":573.54,"body":"I know a lot of my friends. They"},{"speaker":"Alyssa Davies","startTime":573.54,"endTime":576.48,"body":"never really talked about money"},{"speaker":"Alyssa Davies","startTime":573.54,"endTime":576.48,"body":"with anyone even still like"},{"speaker":"Alyssa Davies","startTime":576.66,"endTime":579.72,"body":"until they're actually in the"},{"speaker":"Alyssa Davies","startTime":576.66,"endTime":579.72,"body":"relationship with someone. It's"},{"speaker":"Alyssa Davies","startTime":579.72,"endTime":583.47,"body":"more like, once you know you you"},{"speaker":"Alyssa Davies","startTime":579.72,"endTime":583.47,"body":"see a future with someone, then"},{"speaker":"Alyssa Davies","startTime":583.47,"endTime":585.69,"body":"I think you'd start considering"},{"speaker":"Alyssa Davies","startTime":583.47,"endTime":585.69,"body":"it a little bit more. There are"},{"speaker":"Alyssa Davies","startTime":585.69,"endTime":588.06,"body":"some people that are that front,"},{"speaker":"Alyssa Davies","startTime":585.69,"endTime":588.06,"body":"of course, like you're never"},{"speaker":"Alyssa Davies","startTime":588.06,"endTime":591.99,"body":"gonna not find one person like"},{"speaker":"Alyssa Davies","startTime":588.06,"endTime":591.99,"body":"that. Right? But I don't think"},{"speaker":"Alyssa Davies","startTime":591.99,"endTime":596.4,"body":"it's the common or standard kind"},{"speaker":"Alyssa Davies","startTime":591.99,"endTime":596.4,"body":"of relationship that you'll"},{"speaker":"Alyssa Davies","startTime":596.43,"endTime":598.77,"body":"you'll enter. Well, that's good."},{"speaker":"Alyssa Davies","startTime":596.43,"endTime":598.77,"body":"That's good. They're"},{"speaker":"Preet Banerjee","startTime":598.77,"endTime":601.02,"body":"not jaded, yet."},{"speaker":"Preet Banerjee","startTime":598.77,"endTime":601.02,"body":"You Same time, and maybe it's"},{"speaker":"Preet Banerjee","startTime":601.02,"endTime":603.69,"body":"just a function of everyone is"},{"speaker":"Preet Banerjee","startTime":601.02,"endTime":603.69,"body":"screwed financially, you know,"},{"speaker":"Preet Banerjee","startTime":603.69,"endTime":606.27,"body":"in this generation that is"},{"speaker":"Preet Banerjee","startTime":603.69,"endTime":606.27,"body":"graduating from school with"},{"speaker":"Preet Banerjee","startTime":606.27,"endTime":610.11,"body":"crushing student debt loads,"},{"speaker":"Preet Banerjee","startTime":606.27,"endTime":610.11,"body":"high house prices, so I guess"},{"speaker":"Preet Banerjee","startTime":610.11,"endTime":614.28,"body":"maybe you can co commiserate on,"},{"speaker":"Preet Banerjee","startTime":610.11,"endTime":614.28,"body":"you know, just the the trials of"},{"speaker":"Preet Banerjee","startTime":614.28,"endTime":617.58,"body":"this generation because man, you"},{"speaker":"Preet Banerjee","startTime":614.28,"endTime":617.58,"body":"know, people graduating in the"},{"speaker":"Preet Banerjee","startTime":617.58,"endTime":621.78,"body":"last 10 years, I really feel"},{"speaker":"Preet Banerjee","startTime":617.58,"endTime":621.78,"body":"like they've just given a joke."},{"speaker":"Alyssa Davies","startTime":621.81,"endTime":623.91,"body":"That's the joke"},{"speaker":"Alyssa Davies","startTime":621.81,"endTime":623.91,"body":"now, like people are like, I"},{"speaker":"Alyssa Davies","startTime":623.91,"endTime":627.6,"body":"just need someone to partner"},{"speaker":"Alyssa Davies","startTime":623.91,"endTime":627.6,"body":"with so I can buy a house. Is"},{"speaker":"Alyssa Davies","startTime":627.6,"endTime":629.55,"body":"anybody out there looking for a"},{"speaker":"Alyssa Davies","startTime":627.6,"endTime":629.55,"body":"partner?"},{"speaker":"Preet Banerjee","startTime":630.54,"endTime":633.24,"body":"Well, you know,"},{"speaker":"Preet Banerjee","startTime":630.54,"endTime":633.24,"body":"the flip side of that is, there"},{"speaker":"Preet Banerjee","startTime":633.24,"endTime":636.63,"body":"are many people who stayed"},{"speaker":"Preet Banerjee","startTime":633.24,"endTime":636.63,"body":"together, way longer than they"},{"speaker":"Preet Banerjee","startTime":636.63,"endTime":640.86,"body":"would like to because of"},{"speaker":"Preet Banerjee","startTime":636.63,"endTime":640.86,"body":"financial reasons as well. So I"},{"speaker":"Preet Banerjee","startTime":640.86,"endTime":645.15,"body":"I'm interested in learning"},{"speaker":"Preet Banerjee","startTime":640.86,"endTime":645.15,"body":"about, as I mentioned, before,"},{"speaker":"Preet Banerjee","startTime":645.15,"endTime":648.15,"body":"you have such great engagement"},{"speaker":"Preet Banerjee","startTime":645.15,"endTime":648.15,"body":"with your community, I see you"},{"speaker":"Preet Banerjee","startTime":648.15,"endTime":651.12,"body":"ask, you know, like poll"},{"speaker":"Preet Banerjee","startTime":648.15,"endTime":651.12,"body":"questions on Instagram, and"},{"speaker":"Preet Banerjee","startTime":651.12,"endTime":655.56,"body":"you're flooded with like,"},{"speaker":"Preet Banerjee","startTime":651.12,"endTime":655.56,"body":"hundreds of responses. What are"},{"speaker":"Preet Banerjee","startTime":655.74,"endTime":659.19,"body":"the common questions that people"},{"speaker":"Preet Banerjee","startTime":655.74,"endTime":659.19,"body":"come to you with? Like, when"},{"speaker":"Preet Banerjee","startTime":659.19,"endTime":662.61,"body":"they come to the mixed up money"},{"speaker":"Preet Banerjee","startTime":659.19,"endTime":662.61,"body":"community? What are some of the"},{"speaker":"Preet Banerjee","startTime":662.61,"endTime":665.76,"body":"common trials and tribulations"},{"speaker":"Preet Banerjee","startTime":662.61,"endTime":665.76,"body":"that they approached you with?"},{"speaker":"Alyssa Davies","startTime":666.36,"endTime":668.43,"body":"Just generally,"},{"speaker":"Alyssa Davies","startTime":666.36,"endTime":668.43,"body":"everyone's interested in"},{"speaker":"Alyssa Davies","startTime":668.43,"endTime":673.5,"body":"investing. Everyone's interested"},{"speaker":"Alyssa Davies","startTime":668.43,"endTime":673.5,"body":"in, you know, that kind of"},{"speaker":"Alyssa Davies","startTime":673.5,"endTime":675.87,"body":"finding that balance in your"},{"speaker":"Alyssa Davies","startTime":673.5,"endTime":675.87,"body":"relationship and talking with"},{"speaker":"Alyssa Davies","startTime":675.87,"endTime":679.71,"body":"your partner. So that it's not"},{"speaker":"Alyssa Davies","startTime":675.87,"endTime":679.71,"body":"awkward, just kind of kicking"},{"speaker":"Alyssa Davies","startTime":679.71,"endTime":682.17,"body":"that awkwardness to the side"},{"speaker":"Alyssa Davies","startTime":679.71,"endTime":682.17,"body":"and, and making it more of a"},{"speaker":"Alyssa Davies","startTime":682.17,"endTime":686.49,"body":"common common conversation in"},{"speaker":"Alyssa Davies","startTime":682.17,"endTime":686.49,"body":"your relationship. Definitely"},{"speaker":"Alyssa Davies","startTime":686.52,"endTime":688.86,"body":"how to repay debt like the"},{"speaker":"Alyssa Davies","startTime":686.52,"endTime":688.86,"body":"fastest way they can do that,"},{"speaker":"Alyssa Davies","startTime":688.86,"endTime":692.4,"body":"because that is just such a"},{"speaker":"Alyssa Davies","startTime":688.86,"endTime":692.4,"body":"burden for people. And that is a"},{"speaker":"Alyssa Davies","startTime":692.4,"endTime":695.1,"body":"big thing that I've dealt with"},{"speaker":"Alyssa Davies","startTime":692.4,"endTime":695.1,"body":"in my past. So I think it's easy"},{"speaker":"Alyssa Davies","startTime":695.1,"endTime":697.35,"body":"to talk to someone if you know"},{"speaker":"Alyssa Davies","startTime":695.1,"endTime":697.35,"body":"that they've already experienced"},{"speaker":"Alyssa Davies","startTime":697.35,"endTime":700.26,"body":"that. But those are definitely"},{"speaker":"Alyssa Davies","startTime":697.35,"endTime":700.26,"body":"the top three,"},{"speaker":"Preet Banerjee","startTime":700.77,"endTime":704.43,"body":"for sure. And"},{"speaker":"Preet Banerjee","startTime":700.77,"endTime":704.43,"body":"you have like a bunch of"},{"speaker":"Preet Banerjee","startTime":704.43,"endTime":709.53,"body":"downloadable worksheets, you"},{"speaker":"Preet Banerjee","startTime":704.43,"endTime":709.53,"body":"have a course you've got a book."},{"speaker":"Preet Banerjee","startTime":710.25,"endTime":714.93,"body":"And your course is geared"},{"speaker":"Preet Banerjee","startTime":710.25,"endTime":714.93,"body":"towards couples who want to take"},{"speaker":"Preet Banerjee","startTime":714.93,"endTime":717.51,"body":"their financial communication or"},{"speaker":"Preet Banerjee","startTime":714.93,"endTime":717.51,"body":"communication in general, I"},{"speaker":"Preet Banerjee","startTime":717.51,"endTime":721.68,"body":"guess, to the next level. So So"},{"speaker":"Preet Banerjee","startTime":717.51,"endTime":721.68,"body":"what is the what is like the"},{"speaker":"Preet Banerjee","startTime":721.68,"endTime":724.05,"body":"pedagogy of the course? Like"},{"speaker":"Preet Banerjee","startTime":721.68,"endTime":724.05,"body":"what what do you go through?"},{"speaker":"Preet Banerjee","startTime":724.05,"endTime":726.54,"body":"What can someone who's looking"},{"speaker":"Preet Banerjee","startTime":724.05,"endTime":726.54,"body":"to sign up for this course"},{"speaker":"Preet Banerjee","startTime":726.54,"endTime":727.44,"body":"expect out of it?"},{"speaker":"Alyssa Davies","startTime":728.04,"endTime":731.04,"body":"Yeah, I think the"},{"speaker":"Alyssa Davies","startTime":728.04,"endTime":731.04,"body":"first thing that, that I really"},{"speaker":"Alyssa Davies","startTime":731.04,"endTime":733.62,"body":"drive home in the course, is"},{"speaker":"Alyssa Davies","startTime":731.04,"endTime":733.62,"body":"actually sitting down with"},{"speaker":"Alyssa Davies","startTime":733.62,"endTime":736.47,"body":"someone, but in a comfortable"},{"speaker":"Alyssa Davies","startTime":733.62,"endTime":736.47,"body":"way, like make it a date night,"},{"speaker":"Alyssa Davies","startTime":736.47,"endTime":739.05,"body":"make it fun, make your favorite"},{"speaker":"Alyssa Davies","startTime":736.47,"endTime":739.05,"body":"meal, open a bottle of wine,"},{"speaker":"Alyssa Davies","startTime":739.05,"endTime":740.04,"body":"like it shouldn't be"},{"speaker":"Preet Banerjee","startTime":740.25,"endTime":742.62,"body":"those parts."},{"speaker":"Preet Banerjee","startTime":740.25,"endTime":742.62,"body":"Also fun, right? Money talk"},{"speaker":"Preet Banerjee","startTime":742.62,"endTime":743.82,"body":"doesn't sound as much fun."},{"speaker":"Alyssa Davies","startTime":744.15,"endTime":746.76,"body":"But if you set"},{"speaker":"Alyssa Davies","startTime":744.15,"endTime":746.76,"body":"the scene for it being a fun, a"},{"speaker":"Alyssa Davies","startTime":746.76,"endTime":750.54,"body":"fun night, then it might not be"},{"speaker":"Alyssa Davies","startTime":746.76,"endTime":750.54,"body":"so bad. But the first thing I"},{"speaker":"Alyssa Davies","startTime":750.63,"endTime":753.51,"body":"really think people need to talk"},{"speaker":"Alyssa Davies","startTime":750.63,"endTime":753.51,"body":"about when they first jump into"},{"speaker":"Alyssa Davies","startTime":753.51,"endTime":755.67,"body":"their money conversation is"},{"speaker":"Alyssa Davies","startTime":753.51,"endTime":755.67,"body":"actually their personal history"},{"speaker":"Alyssa Davies","startTime":755.67,"endTime":759.24,"body":"with money, rather than like"},{"speaker":"Alyssa Davies","startTime":755.67,"endTime":759.24,"body":"what's your income and and what"},{"speaker":"Alyssa Davies","startTime":759.24,"endTime":763.98,"body":"are your expenses first. Just"},{"speaker":"Alyssa Davies","startTime":759.24,"endTime":763.98,"body":"because we don't really realize"},{"speaker":"Alyssa Davies","startTime":763.98,"endTime":767.01,"body":"how much our upbringing"},{"speaker":"Alyssa Davies","startTime":763.98,"endTime":767.01,"body":"drastically impacts how we use"},{"speaker":"Alyssa Davies","startTime":767.01,"endTime":769.77,"body":"and view our money as adults."},{"speaker":"Alyssa Davies","startTime":767.01,"endTime":769.77,"body":"And that I think really does"},{"speaker":"Alyssa Davies","startTime":769.77,"endTime":773.31,"body":"seep into a relationship. So"},{"speaker":"Alyssa Davies","startTime":769.77,"endTime":773.31,"body":"it's good to talk about that."},{"speaker":"Alyssa Davies","startTime":773.31,"endTime":775.47,"body":"It's good to talk about what"},{"speaker":"Alyssa Davies","startTime":773.31,"endTime":775.47,"body":"stresses each other out about"},{"speaker":"Alyssa Davies","startTime":775.47,"endTime":778.59,"body":"money. So that you know what"},{"speaker":"Alyssa Davies","startTime":775.47,"endTime":778.59,"body":"conversations might be more"},{"speaker":"Alyssa Davies","startTime":778.59,"endTime":783.3,"body":"difficult before you get into"},{"speaker":"Alyssa Davies","startTime":778.59,"endTime":783.3,"body":"them. And then, like, lighten"},{"speaker":"Alyssa Davies","startTime":783.3,"endTime":785.49,"body":"the mood a little bit with some"},{"speaker":"Alyssa Davies","startTime":783.3,"endTime":785.49,"body":"more simple questions that"},{"speaker":"Alyssa Davies","startTime":785.49,"endTime":788.85,"body":"aren't directly about money. You"},{"speaker":"Alyssa Davies","startTime":785.49,"endTime":788.85,"body":"know, where do you want to buy a"},{"speaker":"Alyssa Davies","startTime":788.85,"endTime":791.49,"body":"house one day, if you want to?"},{"speaker":"Alyssa Davies","startTime":788.85,"endTime":791.49,"body":"Do you want to live in the"},{"speaker":"Alyssa Davies","startTime":791.49,"endTime":794.64,"body":"suburbs or inner city? Those"},{"speaker":"Alyssa Davies","startTime":791.49,"endTime":794.64,"body":"questions will actually help you"},{"speaker":"Alyssa Davies","startTime":794.76,"endTime":797.01,"body":"get to know someone and their"},{"speaker":"Alyssa Davies","startTime":794.76,"endTime":797.01,"body":"financial goals more than you"},{"speaker":"Alyssa Davies","startTime":797.01,"endTime":799.77,"body":"think. Like my personal"},{"speaker":"Alyssa Davies","startTime":797.01,"endTime":799.77,"body":"favorite, and one that my"},{"speaker":"Alyssa Davies","startTime":799.77,"endTime":803.7,"body":"husband and I just did a couple"},{"speaker":"Alyssa Davies","startTime":799.77,"endTime":803.7,"body":"months ago was how does future"},{"speaker":"Alyssa Davies","startTime":803.7,"endTime":807.96,"body":"you dress 10 years from now. And"},{"speaker":"Alyssa Davies","startTime":803.7,"endTime":807.96,"body":"I thought it was so interesting,"},{"speaker":"Alyssa Davies","startTime":807.96,"endTime":812.19,"body":"because I was like, Yeah, I want"},{"speaker":"Alyssa Davies","startTime":807.96,"endTime":812.19,"body":"to be in blazers, I'm just gonna"},{"speaker":"Alyssa Davies","startTime":812.19,"endTime":816.63,"body":"start building my collection of"},{"speaker":"Alyssa Davies","startTime":812.19,"endTime":816.63,"body":"blazers. Which it worked out"},{"speaker":"Alyssa Davies","startTime":816.63,"endTime":819.03,"body":"with whatever he said, But"},{"speaker":"Alyssa Davies","startTime":816.63,"endTime":819.03,"body":"imagine if he was like, I'm"},{"speaker":"Alyssa Davies","startTime":819.03,"endTime":822.57,"body":"looking to really dial down my"},{"speaker":"Alyssa Davies","startTime":819.03,"endTime":822.57,"body":"swimwear collection and be"},{"speaker":"Alyssa Davies","startTime":822.57,"endTime":826.17,"body":"living on a beach. Right now,"},{"speaker":"Alyssa Davies","startTime":822.57,"endTime":826.17,"body":"you'd be like, Okay, well, maybe"},{"speaker":"Alyssa Davies","startTime":826.17,"endTime":829.95,"body":"we're on a different page. But I"},{"speaker":"Alyssa Davies","startTime":826.17,"endTime":829.95,"body":"think that's more like, look for"},{"speaker":"Alyssa Davies","startTime":829.95,"endTime":832.77,"body":"those fun questions that would"},{"speaker":"Alyssa Davies","startTime":829.95,"endTime":832.77,"body":"tell you something about their"},{"speaker":"Alyssa Davies","startTime":832.77,"endTime":836.37,"body":"financial goals, rather than"},{"speaker":"Alyssa Davies","startTime":832.77,"endTime":836.37,"body":"directly saying, what do you"},{"speaker":"Alyssa Davies","startTime":836.37,"endTime":838.35,"body":"want to do with your money over"},{"speaker":"Alyssa Davies","startTime":836.37,"endTime":838.35,"body":"the next 10 years? Because"},{"speaker":"Alyssa Davies","startTime":838.35,"endTime":839.7,"body":"that's a tough question to"},{"speaker":"Alyssa Davies","startTime":838.35,"endTime":839.7,"body":"answer."},{"speaker":"Preet Banerjee","startTime":839.94,"endTime":843.42,"body":"That's very"},{"speaker":"Preet Banerjee","startTime":839.94,"endTime":843.42,"body":"interesting. And I want to ask"},{"speaker":"Preet Banerjee","startTime":843.42,"endTime":846.0,"body":"you about retirement planning,"},{"speaker":"Preet Banerjee","startTime":843.42,"endTime":846.0,"body":"because you said, you know, a"},{"speaker":"Preet Banerjee","startTime":846.0,"endTime":849.03,"body":"lot of people come to community"},{"speaker":"Preet Banerjee","startTime":846.0,"endTime":849.03,"body":"with questions about investing."},{"speaker":"Preet Banerjee","startTime":849.75,"endTime":852.69,"body":"Are they interested in investing"},{"speaker":"Preet Banerjee","startTime":849.75,"endTime":852.69,"body":"so that, you know, they can"},{"speaker":"Preet Banerjee","startTime":852.69,"endTime":855.12,"body":"provide for a certain type of"},{"speaker":"Preet Banerjee","startTime":852.69,"endTime":855.12,"body":"retirement lifestyle? Or is"},{"speaker":"Preet Banerjee","startTime":855.12,"endTime":860.28,"body":"their goals shorter term in in"},{"speaker":"Preet Banerjee","startTime":855.12,"endTime":860.28,"body":"nature? And the reason I asked"},{"speaker":"Preet Banerjee","startTime":860.28,"endTime":866.16,"body":"about that is retirement is such"},{"speaker":"Preet Banerjee","startTime":860.28,"endTime":866.16,"body":"a it's such an interesting"},{"speaker":"Preet Banerjee","startTime":866.16,"endTime":868.02,"body":"concept for so many people,"},{"speaker":"Preet Banerjee","startTime":866.16,"endTime":868.02,"body":"there's no I don't think there's"},{"speaker":"Preet Banerjee","startTime":868.02,"endTime":871.44,"body":"any one definition of what it's"},{"speaker":"Preet Banerjee","startTime":868.02,"endTime":871.44,"body":"going to be you you stop working"},{"speaker":"Preet Banerjee","startTime":871.44,"endTime":874.62,"body":"at 65. And all of a sudden, you"},{"speaker":"Preet Banerjee","startTime":871.44,"endTime":874.62,"body":"just sort of, you know, you"},{"speaker":"Preet Banerjee","startTime":874.62,"endTime":876.78,"body":"know, live on a beach or you"},{"speaker":"Preet Banerjee","startTime":874.62,"endTime":876.78,"body":"travel the world or whatever."},{"speaker":"Preet Banerjee","startTime":877.02,"endTime":879.78,"body":"But it's so far away that I"},{"speaker":"Preet Banerjee","startTime":877.02,"endTime":879.78,"body":"don't feel that people are"},{"speaker":"Preet Banerjee","startTime":879.78,"endTime":884.34,"body":"really in tune with that future"},{"speaker":"Preet Banerjee","startTime":879.78,"endTime":884.34,"body":"self. So when people come to you"},{"speaker":"Preet Banerjee","startTime":884.34,"endTime":886.92,"body":"and they're thinking about"},{"speaker":"Preet Banerjee","startTime":884.34,"endTime":886.92,"body":"investing, what are their"},{"speaker":"Preet Banerjee","startTime":886.92,"endTime":889.68,"body":"investing goals that they come"},{"speaker":"Preet Banerjee","startTime":886.92,"endTime":889.68,"body":"to you with? Like how far in the"},{"speaker":"Preet Banerjee","startTime":889.68,"endTime":890.64,"body":"future are they looking?"},{"speaker":"Alyssa Davies","startTime":891.33,"endTime":894.15,"body":"To be honest,"},{"speaker":"Alyssa Davies","startTime":891.33,"endTime":894.15,"body":"most most people haven't even"},{"speaker":"Alyssa Davies","startTime":894.15,"endTime":899.52,"body":"started investing yet. Which is,"},{"speaker":"Alyssa Davies","startTime":894.15,"endTime":899.52,"body":"is just crazy because you don't"},{"speaker":"Alyssa Davies","startTime":899.52,"endTime":902.79,"body":"actually get that information"},{"speaker":"Alyssa Davies","startTime":899.52,"endTime":902.79,"body":"right away. So I'm one of those"},{"speaker":"Alyssa Davies","startTime":902.79,"endTime":906.3,"body":"people that was late to start"},{"speaker":"Alyssa Davies","startTime":902.79,"endTime":906.3,"body":"investing later than I'd like"},{"speaker":"Alyssa Davies","startTime":906.3,"endTime":909.33,"body":"anyways, like, I didn't start"},{"speaker":"Alyssa Davies","startTime":906.3,"endTime":909.33,"body":"investing until I was 25. It's"},{"speaker":"Alyssa Davies","startTime":909.33,"endTime":911.97,"body":"pretty good. Yeah, it's it's"},{"speaker":"Alyssa Davies","startTime":909.33,"endTime":911.97,"body":"good, but like it could be"},{"speaker":"Alyssa Davies","startTime":911.97,"endTime":913.35,"body":"better. Sure."},{"speaker":"Preet Banerjee","startTime":913.98,"endTime":915.93,"body":"I mean, yeah, I"},{"speaker":"Preet Banerjee","startTime":913.98,"endTime":915.93,"body":"mean, someone born today like"},{"speaker":"Preet Banerjee","startTime":915.93,"endTime":918.48,"body":"your, your daughter needs to"},{"speaker":"Preet Banerjee","startTime":915.93,"endTime":918.48,"body":"save for a down payment, like"},{"speaker":"Preet Banerjee","startTime":918.48,"endTime":920.07,"body":"yesterday. Yeah, exactly."},{"speaker":"Alyssa Davies","startTime":921.75,"endTime":924.33,"body":"So I don't know,"},{"speaker":"Alyssa Davies","startTime":921.75,"endTime":924.33,"body":"I think it's just, they aren't"},{"speaker":"Alyssa Davies","startTime":924.33,"endTime":926.46,"body":"thinking about that. They aren't"},{"speaker":"Alyssa Davies","startTime":924.33,"endTime":926.46,"body":"thinking about what am I going"},{"speaker":"Alyssa Davies","startTime":926.46,"endTime":928.92,"body":"to do in retirement? They're"},{"speaker":"Alyssa Davies","startTime":926.46,"endTime":928.92,"body":"thinking about, Okay, I need to"},{"speaker":"Alyssa Davies","startTime":928.92,"endTime":932.01,"body":"start planning for retirement."},{"speaker":"Alyssa Davies","startTime":928.92,"endTime":932.01,"body":"So how can I just get started?"},{"speaker":"Alyssa Davies","startTime":932.46,"endTime":935.46,"body":"And then once they're actually"},{"speaker":"Alyssa Davies","startTime":932.46,"endTime":935.46,"body":"in it a little bit more than"},{"speaker":"Alyssa Davies","startTime":935.46,"endTime":939.39,"body":"it's more about? Okay, am I am I"},{"speaker":"Alyssa Davies","startTime":935.46,"endTime":939.39,"body":"saving enough? How much do I"},{"speaker":"Alyssa Davies","startTime":939.39,"endTime":942.63,"body":"actually need? And those are"},{"speaker":"Alyssa Davies","startTime":939.39,"endTime":942.63,"body":"questions that are so hard to"},{"speaker":"Alyssa Davies","startTime":942.63,"endTime":945.24,"body":"answer, because like you said,"},{"speaker":"Alyssa Davies","startTime":942.63,"endTime":945.24,"body":"it's what are your goals in the"},{"speaker":"Alyssa Davies","startTime":945.24,"endTime":948.78,"body":"future? Like, I don't know, a"},{"speaker":"Alyssa Davies","startTime":945.24,"endTime":948.78,"body":"lot of people, a lot of people"},{"speaker":"Alyssa Davies","startTime":948.78,"endTime":951.51,"body":"these days are really interested"},{"speaker":"Alyssa Davies","startTime":948.78,"endTime":951.51,"body":"in seeking financial"},{"speaker":"Alyssa Davies","startTime":951.51,"endTime":955.68,"body":"independence. They don't want to"},{"speaker":"Alyssa Davies","startTime":951.51,"endTime":955.68,"body":"wait until 65. Right? So they're"},{"speaker":"Alyssa Davies","startTime":955.68,"endTime":958.71,"body":"a little bit more eager to"},{"speaker":"Alyssa Davies","startTime":955.68,"endTime":958.71,"body":"invest more of their money early"},{"speaker":"Alyssa Davies","startTime":958.71,"endTime":960.81,"body":"on, which I think is a good"},{"speaker":"Alyssa Davies","startTime":958.71,"endTime":960.81,"body":"thing."},{"speaker":"Preet Banerjee","startTime":961.65,"endTime":963.9,"body":"Yeah,"},{"speaker":"Preet Banerjee","startTime":961.65,"endTime":963.9,"body":"absolutely. You know, having"},{"speaker":"Preet Banerjee","startTime":963.9,"endTime":966.96,"body":"some kind of goal, even if it is"},{"speaker":"Preet Banerjee","startTime":963.9,"endTime":966.96,"body":"sort of like a diffuse, not well"},{"speaker":"Preet Banerjee","startTime":966.96,"endTime":969.78,"body":"defined goal. But if it's, you"},{"speaker":"Preet Banerjee","startTime":966.96,"endTime":969.78,"body":"know, having financial"},{"speaker":"Preet Banerjee","startTime":969.78,"endTime":973.47,"body":"independence, whatever that"},{"speaker":"Preet Banerjee","startTime":969.78,"endTime":973.47,"body":"means to people, is better than"},{"speaker":"Preet Banerjee","startTime":973.47,"endTime":977.31,"body":"just sort of not having any"},{"speaker":"Preet Banerjee","startTime":973.47,"endTime":977.31,"body":"goals and not saving for the"},{"speaker":"Preet Banerjee","startTime":977.31,"endTime":982.89,"body":"future. Now, when it comes to"},{"speaker":"Preet Banerjee","startTime":977.31,"endTime":982.89,"body":"couples, certainly we've seen"},{"speaker":"Preet Banerjee","startTime":982.89,"endTime":987.27,"body":"trends where, you know, people"},{"speaker":"Preet Banerjee","startTime":982.89,"endTime":987.27,"body":"they meet, they get serious with"},{"speaker":"Preet Banerjee","startTime":987.27,"endTime":991.14,"body":"one another, maybe they move in"},{"speaker":"Preet Banerjee","startTime":987.27,"endTime":991.14,"body":"together sooner than previous"},{"speaker":"Preet Banerjee","startTime":991.14,"endTime":994.2,"body":"generations would have for a"},{"speaker":"Preet Banerjee","startTime":991.14,"endTime":994.2,"body":"variety of different reasons."},{"speaker":"Preet Banerjee","startTime":994.44,"endTime":997.05,"body":"One of those reasons being"},{"speaker":"Preet Banerjee","startTime":994.44,"endTime":997.05,"body":"financial, because the cost of"},{"speaker":"Preet Banerjee","startTime":997.05,"endTime":1000.92,"body":"living is just so high. And if"},{"speaker":"Preet Banerjee","startTime":997.05,"endTime":1000.92,"body":"you have two people sharing one"},{"speaker":"Preet Banerjee","startTime":1000.92,"endTime":1004.52,"body":"place, you know, that can reduce"},{"speaker":"Preet Banerjee","startTime":1000.92,"endTime":1004.52,"body":"a little bit of stress. But at"},{"speaker":"Preet Banerjee","startTime":1004.52,"endTime":1008.45,"body":"the same time, that means that"},{"speaker":"Preet Banerjee","startTime":1004.52,"endTime":1008.45,"body":"more people are getting into,"},{"speaker":"Preet Banerjee","startTime":1008.48,"endTime":1012.2,"body":"you know, these more firm"},{"speaker":"Preet Banerjee","startTime":1008.48,"endTime":1012.2,"body":"commitments, and they may not"},{"speaker":"Preet Banerjee","startTime":1012.2,"endTime":1015.29,"body":"necessarily end up having a"},{"speaker":"Preet Banerjee","startTime":1012.2,"endTime":1015.29,"body":"lifetime with these people. And"},{"speaker":"Preet Banerjee","startTime":1015.29,"endTime":1018.68,"body":"they might break up and go their"},{"speaker":"Preet Banerjee","startTime":1015.29,"endTime":1018.68,"body":"separate ways. Do you find that"},{"speaker":"Preet Banerjee","startTime":1018.71,"endTime":1022.79,"body":"people are asking about property"},{"speaker":"Preet Banerjee","startTime":1018.71,"endTime":1022.79,"body":"division or income support"},{"speaker":"Preet Banerjee","startTime":1022.79,"endTime":1026.45,"body":"requirements that they may be on"},{"speaker":"Preet Banerjee","startTime":1022.79,"endTime":1026.45,"body":"the hook for in case things go"},{"speaker":"Preet Banerjee","startTime":1026.54,"endTime":1029.72,"body":"south? Or is that something that"},{"speaker":"Preet Banerjee","startTime":1026.54,"endTime":1029.72,"body":"people don't tend to think"},{"speaker":"Preet Banerjee","startTime":1029.72,"endTime":1030.14,"body":"about?"},{"speaker":"Alyssa Davies","startTime":1031.04,"endTime":1033.77,"body":"I don't know if"},{"speaker":"Alyssa Davies","startTime":1031.04,"endTime":1033.77,"body":"people think about that. I don't"},{"speaker":"Alyssa Davies","startTime":1033.77,"endTime":1037.13,"body":"actually think people really"},{"speaker":"Alyssa Davies","startTime":1033.77,"endTime":1037.13,"body":"realize what their requirements"},{"speaker":"Alyssa Davies","startTime":1037.13,"endTime":1039.71,"body":"would be if you do move into a"},{"speaker":"Alyssa Davies","startTime":1037.13,"endTime":1039.71,"body":"someone like I don't know if"},{"speaker":"Alyssa Davies","startTime":1039.71,"endTime":1044.51,"body":"they realize that common law is"},{"speaker":"Alyssa Davies","startTime":1039.71,"endTime":1044.51,"body":"only a year in some provinces."},{"speaker":"Alyssa Davies","startTime":1044.51,"endTime":1048.08,"body":"So it's, it's a good question. I"},{"speaker":"Alyssa Davies","startTime":1044.51,"endTime":1048.08,"body":"really wish that more people did"},{"speaker":"Alyssa Davies","startTime":1048.08,"endTime":1050.99,"body":"consider that I have friends"},{"speaker":"Alyssa Davies","startTime":1048.08,"endTime":1050.99,"body":"that are going through divorces."},{"speaker":"Alyssa Davies","startTime":1050.99,"endTime":1055.1,"body":"Now we're at that age where it"},{"speaker":"Alyssa Davies","startTime":1050.99,"endTime":1055.1,"body":"just unfortunately happens. And"},{"speaker":"Alyssa Davies","startTime":1055.1,"endTime":1057.92,"body":"they are dealing with that right"},{"speaker":"Alyssa Davies","startTime":1055.1,"endTime":1057.92,"body":"now. It's like the smallest"},{"speaker":"Alyssa Davies","startTime":1057.92,"endTime":1060.05,"body":"things seem like the biggest"},{"speaker":"Alyssa Davies","startTime":1057.92,"endTime":1060.05,"body":"deals, like who's getting the"},{"speaker":"Alyssa Davies","startTime":1060.05,"endTime":1063.92,"body":"air miles, you know, those"},{"speaker":"Alyssa Davies","startTime":1060.05,"endTime":1063.92,"body":"conversations that you probably"},{"speaker":"Alyssa Davies","startTime":1063.92,"endTime":1067.46,"body":"should have before you enter"},{"speaker":"Alyssa Davies","startTime":1063.92,"endTime":1067.46,"body":"your marriage or a serious"},{"speaker":"Alyssa Davies","startTime":1067.46,"endTime":1070.07,"body":"relationship. But that's really"},{"speaker":"Alyssa Davies","startTime":1067.46,"endTime":1070.07,"body":"awkward to have those"},{"speaker":"Alyssa Davies","startTime":1070.07,"endTime":1074.72,"body":"conversations with someone. So I"},{"speaker":"Alyssa Davies","startTime":1070.07,"endTime":1074.72,"body":"think that just educating"},{"speaker":"Alyssa Davies","startTime":1074.72,"endTime":1077.81,"body":"yourself on that stuff before"},{"speaker":"Alyssa Davies","startTime":1074.72,"endTime":1077.81,"body":"you actually actually get into"},{"speaker":"Alyssa Davies","startTime":1077.81,"endTime":1080.18,"body":"the marriage is important. But"},{"speaker":"Alyssa Davies","startTime":1077.81,"endTime":1080.18,"body":"it's so hard for people to find"},{"speaker":"Alyssa Davies","startTime":1080.18,"endTime":1083.0,"body":"that information. Like it's not"},{"speaker":"Alyssa Davies","startTime":1080.18,"endTime":1083.0,"body":"a you're not gonna pop on a"},{"speaker":"Alyssa Davies","startTime":1083.0,"endTime":1085.16,"body":"reality TV show, and they're"},{"speaker":"Alyssa Davies","startTime":1083.0,"endTime":1085.16,"body":"gonna be talking about prenups."},{"speaker":"Alyssa Davies","startTime":1085.16,"endTime":1085.4,"body":"So"},{"speaker":"Preet Banerjee","startTime":1087.17,"endTime":1089.99,"body":"on my reality"},{"speaker":"Preet Banerjee","startTime":1087.17,"endTime":1089.99,"body":"show we did just for the record,"},{"speaker":"Preet Banerjee","startTime":1090.44,"endTime":1097.85,"body":"however, nobody watched it."},{"speaker":"Preet Banerjee","startTime":1090.44,"endTime":1097.85,"body":"Maybe that's why. Okay, so one"},{"speaker":"Preet Banerjee","startTime":1097.85,"endTime":1101.0,"body":"of the posts that was on your"},{"speaker":"Preet Banerjee","startTime":1097.85,"endTime":1101.0,"body":"site Recently, there was a list"},{"speaker":"Preet Banerjee","startTime":1101.0,"endTime":1104.6,"body":"of five big financial mistakes"},{"speaker":"Preet Banerjee","startTime":1101.0,"endTime":1104.6,"body":"you can make if you don't talk"},{"speaker":"Preet Banerjee","startTime":1104.6,"endTime":1108.23,"body":"about money in a relationship."},{"speaker":"Preet Banerjee","startTime":1104.6,"endTime":1108.23,"body":"And one of those points talked"},{"speaker":"Preet Banerjee","startTime":1108.23,"endTime":1111.29,"body":"about the breadwinner mentality,"},{"speaker":"Preet Banerjee","startTime":1108.23,"endTime":1111.29,"body":"and then linked to another"},{"speaker":"Preet Banerjee","startTime":1111.29,"endTime":1114.92,"body":"point, which kind of delve more"},{"speaker":"Preet Banerjee","startTime":1111.29,"endTime":1114.92,"body":"deeply into this breadwinner,"},{"speaker":"Preet Banerjee","startTime":1115.25,"endTime":1119.03,"body":"quote unquote, mentality. Can"},{"speaker":"Preet Banerjee","startTime":1115.25,"endTime":1119.03,"body":"you explain what that mentality"},{"speaker":"Preet Banerjee","startTime":1119.03,"endTime":1121.04,"body":"is? And why that can be a trap"},{"speaker":"Preet Banerjee","startTime":1119.03,"endTime":1121.04,"body":"for couples?"},{"speaker":"Alyssa Davies","startTime":1121.52,"endTime":1123.92,"body":"Yes, this one is"},{"speaker":"Alyssa Davies","startTime":1121.52,"endTime":1123.92,"body":"one of my favorite things to"},{"speaker":"Alyssa Davies","startTime":1123.92,"endTime":1128.21,"body":"talk about. I love just telling"},{"speaker":"Alyssa Davies","startTime":1123.92,"endTime":1128.21,"body":"people this information because"},{"speaker":"Alyssa Davies","startTime":1128.21,"endTime":1130.85,"body":"maybe they don't really realize"},{"speaker":"Alyssa Davies","startTime":1128.21,"endTime":1130.85,"body":"that it's, it's kind of"},{"speaker":"Alyssa Davies","startTime":1130.85,"endTime":1134.78,"body":"problematic term. Like it's"},{"speaker":"Alyssa Davies","startTime":1130.85,"endTime":1134.78,"body":"historically used to describe a"},{"speaker":"Alyssa Davies","startTime":1134.78,"endTime":1139.01,"body":"higher earner in a relationship"},{"speaker":"Alyssa Davies","startTime":1134.78,"endTime":1139.01,"body":"or a sole income provider. But"},{"speaker":"Alyssa Davies","startTime":1139.01,"endTime":1142.13,"body":"the reason that I don't think"},{"speaker":"Alyssa Davies","startTime":1139.01,"endTime":1142.13,"body":"it's the best way to describe"},{"speaker":"Alyssa Davies","startTime":1142.13,"endTime":1144.11,"body":"someone in a relationship is"},{"speaker":"Alyssa Davies","startTime":1142.13,"endTime":1144.11,"body":"because it just comes with so"},{"speaker":"Alyssa Davies","startTime":1144.11,"endTime":1147.71,"body":"many assumptions. Like, you'd"},{"speaker":"Alyssa Davies","startTime":1144.11,"endTime":1147.71,"body":"automatically assume that that"},{"speaker":"Alyssa Davies","startTime":1147.71,"endTime":1150.62,"body":"person is in control of"},{"speaker":"Alyssa Davies","startTime":1147.71,"endTime":1150.62,"body":"financial decisions because they"},{"speaker":"Alyssa Davies","startTime":1150.65,"endTime":1153.95,"body":"earn more money, you'd assume"},{"speaker":"Alyssa Davies","startTime":1150.65,"endTime":1153.95,"body":"that maybe their only job in the"},{"speaker":"Alyssa Davies","startTime":1153.95,"endTime":1157.22,"body":"relationship is to pry provide"},{"speaker":"Alyssa Davies","startTime":1153.95,"endTime":1157.22,"body":"for their family financially."},{"speaker":"Alyssa Davies","startTime":1157.76,"endTime":1160.7,"body":"And you'd almost always assume"},{"speaker":"Alyssa Davies","startTime":1157.76,"endTime":1160.7,"body":"that if it's a hetero"},{"speaker":"Alyssa Davies","startTime":1160.7,"endTime":1164.06,"body":"relationship, that the male is"},{"speaker":"Alyssa Davies","startTime":1160.7,"endTime":1164.06,"body":"the higher earner. I'll go back"},{"speaker":"Alyssa Davies","startTime":1164.06,"endTime":1167.57,"body":"to that initial point that I"},{"speaker":"Alyssa Davies","startTime":1164.06,"endTime":1167.57,"body":"made, how I get a lot of women"},{"speaker":"Alyssa Davies","startTime":1167.57,"endTime":1170.3,"body":"that are contacting me asking"},{"speaker":"Alyssa Davies","startTime":1167.57,"endTime":1170.3,"body":"how they can actually make the"},{"speaker":"Alyssa Davies","startTime":1170.3,"endTime":1173.48,"body":"relationship more equal, because"},{"speaker":"Alyssa Davies","startTime":1170.3,"endTime":1173.48,"body":"they're the higher earner, but"},{"speaker":"Alyssa Davies","startTime":1173.48,"endTime":1176.87,"body":"they're uncomfortable actually"},{"speaker":"Alyssa Davies","startTime":1173.48,"endTime":1176.87,"body":"having that conversation. When I"},{"speaker":"Alyssa Davies","startTime":1176.87,"endTime":1179.75,"body":"first rolled out my course, I"},{"speaker":"Alyssa Davies","startTime":1176.87,"endTime":1179.75,"body":"gave it to a lot of my friends"},{"speaker":"Alyssa Davies","startTime":1179.75,"endTime":1183.92,"body":"that were in relationships. And"},{"speaker":"Alyssa Davies","startTime":1179.75,"endTime":1183.92,"body":"I just wanted to see what would"},{"speaker":"Alyssa Davies","startTime":1183.92,"endTime":1187.13,"body":"be the more difficult parts of"},{"speaker":"Alyssa Davies","startTime":1183.92,"endTime":1187.13,"body":"the conversation so that I knew"},{"speaker":"Alyssa Davies","startTime":1187.13,"endTime":1192.95,"body":"kind of how to, I guess, manage"},{"speaker":"Alyssa Davies","startTime":1187.13,"endTime":1192.95,"body":"those tougher parts. And yeah,"},{"speaker":"Alyssa Davies","startTime":1192.95,"endTime":1196.94,"body":"that was always a trigger point"},{"speaker":"Alyssa Davies","startTime":1192.95,"endTime":1196.94,"body":"was talking about how much they"},{"speaker":"Alyssa Davies","startTime":1196.94,"endTime":1200.0,"body":"made if the woman was actually"},{"speaker":"Alyssa Davies","startTime":1196.94,"endTime":1200.0,"body":"the higher earner in there."},{"speaker":"Alyssa Davies","startTime":1200.0,"endTime":1204.26,"body":"relationship. It's like you said"},{"speaker":"Alyssa Davies","startTime":1200.0,"endTime":1204.26,"body":"to about the traditional way"},{"speaker":"Alyssa Davies","startTime":1204.26,"endTime":1207.71,"body":"that we were raised, I know that"},{"speaker":"Alyssa Davies","startTime":1204.26,"endTime":1207.71,"body":"my dad was the provider. So"},{"speaker":"Alyssa Davies","startTime":1207.71,"endTime":1211.28,"body":"that's just how I kind of grew"},{"speaker":"Alyssa Davies","startTime":1207.71,"endTime":1211.28,"body":"up as a seeing that as what it"},{"speaker":"Alyssa Davies","startTime":1211.28,"endTime":1215.72,"body":"was supposed to be and how it"},{"speaker":"Alyssa Davies","startTime":1211.28,"endTime":1215.72,"body":"how it typically goes. And so it"},{"speaker":"Alyssa Davies","startTime":1215.72,"endTime":1218.51,"body":"makes men feel like they need to"},{"speaker":"Alyssa Davies","startTime":1215.72,"endTime":1218.51,"body":"be the higher earner in their"},{"speaker":"Alyssa Davies","startTime":1218.51,"endTime":1222.71,"body":"family. But I've read so many"},{"speaker":"Alyssa Davies","startTime":1218.51,"endTime":1222.71,"body":"studies now that, you know, the"},{"speaker":"Alyssa Davies","startTime":1222.71,"endTime":1226.79,"body":"life satisfaction of a partner"},{"speaker":"Alyssa Davies","startTime":1222.71,"endTime":1226.79,"body":"who's a man that is earning"},{"speaker":"Alyssa Davies","startTime":1226.79,"endTime":1230.54,"body":"less, it doesn't actually impact"},{"speaker":"Alyssa Davies","startTime":1226.79,"endTime":1230.54,"body":"impact them at all. They live"},{"speaker":"Alyssa Davies","startTime":1230.54,"endTime":1232.88,"body":"the same life, they're still"},{"speaker":"Alyssa Davies","startTime":1230.54,"endTime":1232.88,"body":"happy, obviously, they're still"},{"speaker":"Alyssa Davies","startTime":1232.88,"endTime":1236.93,"body":"doing well financially. So it's,"},{"speaker":"Alyssa Davies","startTime":1232.88,"endTime":1236.93,"body":"it's a different kind of"},{"speaker":"Alyssa Davies","startTime":1236.93,"endTime":1240.17,"body":"perspective and conversation"},{"speaker":"Alyssa Davies","startTime":1236.93,"endTime":1240.17,"body":"that we don't really have. But I"},{"speaker":"Alyssa Davies","startTime":1240.17,"endTime":1241.28,"body":"think it's super important."},{"speaker":"Preet Banerjee","startTime":1242.3,"endTime":1246.35,"body":"Yeah, it, I know"},{"speaker":"Preet Banerjee","startTime":1242.3,"endTime":1246.35,"body":"that it is, there is this stigma"},{"speaker":"Preet Banerjee","startTime":1246.41,"endTime":1250.76,"body":"surrounding it. And, you know,"},{"speaker":"Preet Banerjee","startTime":1246.41,"endTime":1250.76,"body":"not everyone is on the same page"},{"speaker":"Preet Banerjee","startTime":1250.79,"endTime":1254.45,"body":"with, you know, social"},{"speaker":"Preet Banerjee","startTime":1250.79,"endTime":1254.45,"body":"progressiveness and whatnot. My"},{"speaker":"Preet Banerjee","startTime":1254.45,"endTime":1257.45,"body":"partner and I, we've talked"},{"speaker":"Preet Banerjee","startTime":1254.45,"endTime":1257.45,"body":"about, you know, our future,"},{"speaker":"Preet Banerjee","startTime":1257.48,"endTime":1262.4,"body":"and, you know, she is now sort"},{"speaker":"Preet Banerjee","startTime":1257.48,"endTime":1262.4,"body":"of on the job market, and she's"},{"speaker":"Preet Banerjee","startTime":1262.4,"endTime":1265.37,"body":"in a field where she could end"},{"speaker":"Preet Banerjee","startTime":1262.4,"endTime":1265.37,"body":"up working, you know, either in"},{"speaker":"Preet Banerjee","startTime":1265.37,"endTime":1270.14,"body":"Canada, maybe back in Europe."},{"speaker":"Preet Banerjee","startTime":1265.37,"endTime":1270.14,"body":"And we've agreed that her career"},{"speaker":"Preet Banerjee","startTime":1270.14,"endTime":1273.2,"body":"is now the more important focus"},{"speaker":"Preet Banerjee","startTime":1270.14,"endTime":1273.2,"body":"for us as a couple going"},{"speaker":"Preet Banerjee","startTime":1273.2,"endTime":1276.26,"body":"forward. Because the decisions"},{"speaker":"Preet Banerjee","startTime":1273.2,"endTime":1276.26,"body":"she makes is gonna have such a"},{"speaker":"Preet Banerjee","startTime":1276.26,"endTime":1282.17,"body":"big impact on her career, and us"},{"speaker":"Preet Banerjee","startTime":1276.26,"endTime":1282.17,"body":"as as a unit. And so the goal is"},{"speaker":"Preet Banerjee","startTime":1282.17,"endTime":1285.32,"body":"that, you know, I'm later in my"},{"speaker":"Preet Banerjee","startTime":1282.17,"endTime":1285.32,"body":"career, so I'm going to be the"},{"speaker":"Preet Banerjee","startTime":1285.32,"endTime":1288.86,"body":"stay at home dad, and I'm"},{"speaker":"Preet Banerjee","startTime":1285.32,"endTime":1288.86,"body":"nervous about it. But at the"},{"speaker":"Preet Banerjee","startTime":1288.86,"endTime":1292.73,"body":"same time, I'm kind of looking"},{"speaker":"Preet Banerjee","startTime":1288.86,"endTime":1292.73,"body":"forward to it as well. But I"},{"speaker":"Preet Banerjee","startTime":1292.73,"endTime":1295.19,"body":"feel like, you know, when you"},{"speaker":"Preet Banerjee","startTime":1292.73,"endTime":1295.19,"body":"talk about that, to some people,"},{"speaker":"Preet Banerjee","startTime":1295.19,"endTime":1298.52,"body":"they're like, Oh, that's so"},{"speaker":"Preet Banerjee","startTime":1295.19,"endTime":1298.52,"body":"forward thinking of you, or"},{"speaker":"Preet Banerjee","startTime":1298.52,"endTime":1300.98,"body":"whatever I'm like, Is it really?"},{"speaker":"Preet Banerjee","startTime":1298.52,"endTime":1300.98,"body":"Or is it just like, that's the"},{"speaker":"Preet Banerjee","startTime":1300.98,"endTime":1304.37,"body":"way it should be? So I feel"},{"speaker":"Preet Banerjee","startTime":1300.98,"endTime":1304.37,"body":"like, you know, some people are"},{"speaker":"Preet Banerjee","startTime":1304.4,"endTime":1306.65,"body":"kind of coming around to this,"},{"speaker":"Preet Banerjee","startTime":1304.4,"endTime":1306.65,"body":"and we're breaking down those"},{"speaker":"Preet Banerjee","startTime":1306.65,"endTime":1310.1,"body":"things. But there still is"},{"speaker":"Preet Banerjee","startTime":1306.65,"endTime":1310.1,"body":"there, this tension that can"},{"speaker":"Preet Banerjee","startTime":1310.1,"endTime":1313.34,"body":"arise with couples. And I know,"},{"speaker":"Preet Banerjee","startTime":1310.1,"endTime":1313.34,"body":"there's a lot of guys out there"},{"speaker":"Preet Banerjee","startTime":1313.34,"endTime":1317.54,"body":"who would feel that tension and"},{"speaker":"Preet Banerjee","startTime":1313.34,"endTime":1317.54,"body":"sort of like, I don't know what"},{"speaker":"Preet Banerjee","startTime":1317.54,"endTime":1319.91,"body":"it is maybe embarrassment, or"},{"speaker":"Preet Banerjee","startTime":1317.54,"endTime":1319.91,"body":"something like that, because of"},{"speaker":"Preet Banerjee","startTime":1319.91,"endTime":1323.54,"body":"these old tropes that have been"},{"speaker":"Preet Banerjee","startTime":1319.91,"endTime":1323.54,"body":"around for hundreds 1000s of"},{"speaker":"Preet Banerjee","startTime":1323.54,"endTime":1328.13,"body":"years, that are just finally"},{"speaker":"Preet Banerjee","startTime":1323.54,"endTime":1328.13,"body":"getting sort of dismantled. So"},{"speaker":"Preet Banerjee","startTime":1328.13,"endTime":1332.3,"body":"when you do have a big income"},{"speaker":"Preet Banerjee","startTime":1328.13,"endTime":1332.3,"body":"differential in a relationship,"},{"speaker":"Preet Banerjee","startTime":1332.75,"endTime":1336.35,"body":"how do you recommend to people"},{"speaker":"Preet Banerjee","startTime":1332.75,"endTime":1336.35,"body":"as to how they should think"},{"speaker":"Preet Banerjee","startTime":1336.35,"endTime":1341.18,"body":"about money in that, in that in"},{"speaker":"Preet Banerjee","startTime":1336.35,"endTime":1341.18,"body":"that household? Is it a matter"},{"speaker":"Preet Banerjee","startTime":1341.18,"endTime":1345.89,"body":"of, you know, whoever, let's say"},{"speaker":"Preet Banerjee","startTime":1341.18,"endTime":1345.89,"body":"someone earns, you know, three"},{"speaker":"Preet Banerjee","startTime":1345.89,"endTime":1349.52,"body":"to one, like the ratio is three"},{"speaker":"Preet Banerjee","startTime":1345.89,"endTime":1349.52,"body":"to one? Do they feel like they"},{"speaker":"Preet Banerjee","startTime":1349.52,"endTime":1354.5,"body":"have like three times the weight"},{"speaker":"Preet Banerjee","startTime":1349.52,"endTime":1354.5,"body":"in the decision making? And? And"},{"speaker":"Preet Banerjee","startTime":1354.5,"endTime":1356.99,"body":"if so, what do you say that they"},{"speaker":"Preet Banerjee","startTime":1354.5,"endTime":1356.99,"body":"should be doing instead?"},{"speaker":"Alyssa Davies","startTime":1357.889,"endTime":1361.309,"body":"Yeah, I think I"},{"speaker":"Alyssa Davies","startTime":1357.889,"endTime":1361.309,"body":"always, always think that, if"},{"speaker":"Alyssa Davies","startTime":1361.309,"endTime":1364.039,"body":"you can do your best to make"},{"speaker":"Alyssa Davies","startTime":1361.309,"endTime":1364.039,"body":"things equal, it just makes"},{"speaker":"Alyssa Davies","startTime":1364.069,"endTime":1366.979,"body":"makes everyone feel like they do"},{"speaker":"Alyssa Davies","startTime":1364.069,"endTime":1366.979,"body":"have a say in what happens with"},{"speaker":"Alyssa Davies","startTime":1366.979,"endTime":1370.099,"body":"the money and how and how you"},{"speaker":"Alyssa Davies","startTime":1366.979,"endTime":1370.099,"body":"plan for your kind of expenses."},{"speaker":"Alyssa Davies","startTime":1370.669,"endTime":1373.879,"body":"So you can make anything 5050,"},{"speaker":"Alyssa Davies","startTime":1370.669,"endTime":1373.879,"body":"you just have to do the math."},{"speaker":"Alyssa Davies","startTime":1375.169,"endTime":1379.489,"body":"Like it's, it might actually be"},{"speaker":"Alyssa Davies","startTime":1375.169,"endTime":1379.489,"body":"7030 like, but essentially, it"},{"speaker":"Alyssa Davies","startTime":1379.489,"endTime":1381.889,"body":"evens out your income together"},{"speaker":"Alyssa Davies","startTime":1379.489,"endTime":1381.889,"body":"so that you're working as a"},{"speaker":"Alyssa Davies","startTime":1381.889,"endTime":1385.459,"body":"team. I think you just have to"},{"speaker":"Alyssa Davies","startTime":1381.889,"endTime":1385.459,"body":"sit down and have that"},{"speaker":"Alyssa Davies","startTime":1385.459,"endTime":1387.469,"body":"conversation so that you can"},{"speaker":"Alyssa Davies","startTime":1385.459,"endTime":1387.469,"body":"actually share the burden,"},{"speaker":"Alyssa Davies","startTime":1387.469,"endTime":1389.479,"body":"because it is a burden of"},{"speaker":"Alyssa Davies","startTime":1387.469,"endTime":1389.479,"body":"choosing how you spend your"},{"speaker":"Alyssa Davies","startTime":1389.479,"endTime":1393.739,"body":"money. It's not an easy thing to"},{"speaker":"Alyssa Davies","startTime":1389.479,"endTime":1393.739,"body":"do. So why would we put that"},{"speaker":"Alyssa Davies","startTime":1393.739,"endTime":1399.439,"body":"pressure on one person? And what"},{"speaker":"Alyssa Davies","startTime":1393.739,"endTime":1399.439,"body":"is an even split to you? Because"},{"speaker":"Alyssa Davies","startTime":1399.439,"endTime":1404.419,"body":"your lifestyle might be 5050"},{"speaker":"Alyssa Davies","startTime":1399.439,"endTime":1404.419,"body":"without one person sacrificing"},{"speaker":"Alyssa Davies","startTime":1404.419,"endTime":1405.739,"body":"more of their income? I guess,"},{"speaker":"Preet Banerjee","startTime":1406.07,"endTime":1407.75,"body":"let me give you"},{"speaker":"Preet Banerjee","startTime":1406.07,"endTime":1407.75,"body":"a hypothetical situation. So"},{"speaker":"Preet Banerjee","startTime":1407.75,"endTime":1410.03,"body":"let's say that you've got"},{"speaker":"Preet Banerjee","startTime":1407.75,"endTime":1410.03,"body":"someone they're earning"},{"speaker":"Preet Banerjee","startTime":1410.03,"endTime":1413.15,"body":"significantly more than their"},{"speaker":"Preet Banerjee","startTime":1410.03,"endTime":1413.15,"body":"partner, and that partner has"},{"speaker":"Preet Banerjee","startTime":1413.15,"endTime":1418.22,"body":"significantly more student debt."},{"speaker":"Preet Banerjee","startTime":1413.15,"endTime":1418.22,"body":"What What do you counsel to"},{"speaker":"Preet Banerjee","startTime":1418.22,"endTime":1421.13,"body":"people like do they do people"},{"speaker":"Preet Banerjee","startTime":1418.22,"endTime":1421.13,"body":"come in and say, Well, my, my"},{"speaker":"Preet Banerjee","startTime":1421.13,"endTime":1423.65,"body":"student debt is my problem. And"},{"speaker":"Preet Banerjee","startTime":1421.13,"endTime":1423.65,"body":"I'm going to pay for that out of"},{"speaker":"Preet Banerjee","startTime":1423.65,"endTime":1428.24,"body":"my income. Or you say, Well,"},{"speaker":"Preet Banerjee","startTime":1423.65,"endTime":1428.24,"body":"listen, you should use this, you"},{"speaker":"Preet Banerjee","startTime":1428.24,"endTime":1431.42,"body":"should look at it in the context"},{"speaker":"Preet Banerjee","startTime":1428.24,"endTime":1431.42,"body":"of listening, you're together."},{"speaker":"Preet Banerjee","startTime":1431.42,"endTime":1434.24,"body":"And if you decide you're gonna"},{"speaker":"Preet Banerjee","startTime":1431.42,"endTime":1434.24,"body":"be together forever, your debts"},{"speaker":"Preet Banerjee","startTime":1434.24,"endTime":1438.38,"body":"are now you know, communal. What"},{"speaker":"Preet Banerjee","startTime":1434.24,"endTime":1438.38,"body":"do you recommend? And what do"},{"speaker":"Preet Banerjee","startTime":1438.38,"endTime":1441.26,"body":"you find, like in conversations"},{"speaker":"Preet Banerjee","startTime":1438.38,"endTime":1441.26,"body":"with people ask these questions?"},{"speaker":"Preet Banerjee","startTime":1441.26,"endTime":1442.97,"body":"What are the hurdles that they"},{"speaker":"Preet Banerjee","startTime":1441.26,"endTime":1442.97,"body":"face?"},{"speaker":"Alyssa Davies","startTime":1443.51,"endTime":1445.64,"body":"Yeah, it's a"},{"speaker":"Alyssa Davies","startTime":1443.51,"endTime":1445.64,"body":"tough question. Because a lot of"},{"speaker":"Alyssa Davies","startTime":1445.64,"endTime":1448.58,"body":"people don't want to feel like a"},{"speaker":"Alyssa Davies","startTime":1445.64,"endTime":1448.58,"body":"burden on their partner, if they"},{"speaker":"Alyssa Davies","startTime":1448.58,"endTime":1451.73,"body":"come into the relationship with"},{"speaker":"Alyssa Davies","startTime":1448.58,"endTime":1451.73,"body":"debt. But at the same time,"},{"speaker":"Alyssa Davies","startTime":1451.79,"endTime":1455.45,"body":"you're only going to get further"},{"speaker":"Alyssa Davies","startTime":1451.79,"endTime":1455.45,"body":"as a team. If you work together"},{"speaker":"Alyssa Davies","startTime":1455.45,"endTime":1457.61,"body":"in those things. It's like it's"},{"speaker":"Alyssa Davies","startTime":1455.45,"endTime":1457.61,"body":"the same as being on a sports"},{"speaker":"Alyssa Davies","startTime":1457.61,"endTime":1460.16,"body":"team, like you're not one person"},{"speaker":"Alyssa Davies","startTime":1457.61,"endTime":1460.16,"body":"doesn't carry the weight for"},{"speaker":"Alyssa Davies","startTime":1460.16,"endTime":1463.64,"body":"everyone. You all kind of have"},{"speaker":"Alyssa Davies","startTime":1460.16,"endTime":1463.64,"body":"to pull your pull your own"},{"speaker":"Alyssa Davies","startTime":1463.64,"endTime":1467.78,"body":"parts. And I think that debt is"},{"speaker":"Alyssa Davies","startTime":1463.64,"endTime":1467.78,"body":"one of those things where Yeah,"},{"speaker":"Alyssa Davies","startTime":1467.78,"endTime":1470.72,"body":"you do, you do need to work as a"},{"speaker":"Alyssa Davies","startTime":1467.78,"endTime":1470.72,"body":"team. Like when I was paying off"},{"speaker":"Alyssa Davies","startTime":1470.72,"endTime":1474.2,"body":"my student loans, my husband was"},{"speaker":"Alyssa Davies","startTime":1470.72,"endTime":1474.2,"body":"paying a little bit more in our"},{"speaker":"Alyssa Davies","startTime":1474.2,"endTime":1477.05,"body":"bills. He was earning a little"},{"speaker":"Alyssa Davies","startTime":1474.2,"endTime":1477.05,"body":"bit more, so it made sense"},{"speaker":"Alyssa Davies","startTime":1477.05,"endTime":1479.78,"body":"anyways, but the fact that he"},{"speaker":"Alyssa Davies","startTime":1477.05,"endTime":1479.78,"body":"was willing to take on that"},{"speaker":"Alyssa Davies","startTime":1479.78,"endTime":1484.4,"body":"extra little bit of money was a"},{"speaker":"Alyssa Davies","startTime":1479.78,"endTime":1484.4,"body":"big deal because it gave me an"},{"speaker":"Alyssa Davies","startTime":1484.4,"endTime":1487.4,"body":"opportunity to pay off my debt"},{"speaker":"Alyssa Davies","startTime":1484.4,"endTime":1487.4,"body":"in under a year, which I never"},{"speaker":"Alyssa Davies","startTime":1487.4,"endTime":1490.34,"body":"would have been able to do. Had"},{"speaker":"Alyssa Davies","startTime":1487.4,"endTime":1490.34,"body":"I been single, or had I had a"},{"speaker":"Alyssa Davies","startTime":1490.34,"endTime":1493.07,"body":"partner that wasn't willing to"},{"speaker":"Alyssa Davies","startTime":1490.34,"endTime":1493.07,"body":"put that extra burden on their"},{"speaker":"Alyssa Davies","startTime":1493.07,"endTime":1493.76,"body":"own back."},{"speaker":"Preet Banerjee","startTime":1495.74,"endTime":1497.66,"body":"This won't make"},{"speaker":"Preet Banerjee","startTime":1495.74,"endTime":1497.66,"body":"it into the podcast. I'm just"},{"speaker":"Preet Banerjee","startTime":1497.66,"endTime":1500.0,"body":"gonna say I almost busted out"},{"speaker":"Preet Banerjee","startTime":1497.66,"endTime":1500.0,"body":"laughing when you said poorly."},{"speaker":"Preet Banerjee","startTime":1500.0,"endTime":1510.47,"body":"Your own parts I know you made"},{"speaker":"Preet Banerjee","startTime":1500.0,"endTime":1510.47,"body":"pull your own weight. Yeah. I"},{"speaker":"Preet Banerjee","startTime":1510.47,"endTime":1512.84,"body":"don't know what happens to these"},{"speaker":"Preet Banerjee","startTime":1510.47,"endTime":1512.84,"body":"locker rooms that you hang out"},{"speaker":"Preet Banerjee","startTime":1512.84,"endTime":1518.21,"body":"when Alyssa. You know, maybe"},{"speaker":"Preet Banerjee","startTime":1512.84,"endTime":1518.21,"body":"that maybe I will put that in"},{"speaker":"Preet Banerjee","startTime":1518.21,"endTime":1522.2,"body":"the podcast. That's hilarious."},{"speaker":"Preet Banerjee","startTime":1518.21,"endTime":1522.2,"body":"I'm fine with it. Okay, cool"},{"speaker":"Preet Banerjee","startTime":1522.23,"endTime":1528.95,"body":"done. It's in the podcast."},{"speaker":"Preet Banerjee","startTime":1522.23,"endTime":1528.95,"body":"Conversation with Alyssa Davies"},{"speaker":"Preet Banerjee","startTime":1528.95,"endTime":1532.85,"body":"from mixed up money continues in"},{"speaker":"Preet Banerjee","startTime":1528.95,"endTime":1532.85,"body":"just a minute. But I just wanted"},{"speaker":"Preet Banerjee","startTime":1532.85,"endTime":1535.97,"body":"to let you know that taking just"},{"speaker":"Preet Banerjee","startTime":1532.85,"endTime":1535.97,"body":"30 seconds out of your day and"},{"speaker":"Preet Banerjee","startTime":1535.97,"endTime":1540.23,"body":"leaving a rating and or a review"},{"speaker":"Preet Banerjee","startTime":1535.97,"endTime":1540.23,"body":"on Apple podcasts helps with"},{"speaker":"Preet Banerjee","startTime":1540.23,"endTime":1544.76,"body":"getting high quality guests like"},{"speaker":"Preet Banerjee","startTime":1540.23,"endTime":1544.76,"body":"Alyssa want to give a shout out"},{"speaker":"Preet Banerjee","startTime":1544.76,"endTime":1548.6,"body":"to a reviewer who filled in"},{"speaker":"Preet Banerjee","startTime":1544.76,"endTime":1548.6,"body":"their name as quote why frugal"},{"speaker":"Preet Banerjee","startTime":1548.6,"endTime":1552.95,"body":"is so important, unquote. They"},{"speaker":"Preet Banerjee","startTime":1548.6,"endTime":1552.95,"body":"really liked the episode on the"},{"speaker":"Preet Banerjee","startTime":1552.98,"endTime":1556.7,"body":"ins and outs of bankruptcy with"},{"speaker":"Preet Banerjee","startTime":1552.98,"endTime":1556.7,"body":"Scott terrio. And if you want to"},{"speaker":"Preet Banerjee","startTime":1556.7,"endTime":1561.5,"body":"check that out, it is episode"},{"speaker":"Preet Banerjee","startTime":1556.7,"endTime":1561.5,"body":"number 61. Quite a wide ranging"},{"speaker":"Preet Banerjee","startTime":1561.53,"endTime":1564.71,"body":"conversation. They also"},{"speaker":"Preet Banerjee","startTime":1561.53,"endTime":1564.71,"body":"mentioned that they would like"},{"speaker":"Preet Banerjee","startTime":1564.71,"endTime":1568.01,"body":"to conversely, hear from someone"},{"speaker":"Preet Banerjee","startTime":1564.71,"endTime":1568.01,"body":"in the big spending industries"},{"speaker":"Preet Banerjee","startTime":1568.01,"endTime":1572.39,"body":"like car sales and mortgages,"},{"speaker":"Preet Banerjee","startTime":1568.01,"endTime":1572.39,"body":"well ask and you shall receive."},{"speaker":"Preet Banerjee","startTime":1572.66,"endTime":1575.66,"body":"I actually have an upcoming"},{"speaker":"Preet Banerjee","startTime":1572.66,"endTime":1575.66,"body":"episode with Chris faff, who's"},{"speaker":"Preet Banerjee","startTime":1575.66,"endTime":1579.83,"body":"the CEO of faff automotive"},{"speaker":"Preet Banerjee","startTime":1575.66,"endTime":1579.83,"body":"partners, who was also kind"},{"speaker":"Preet Banerjee","startTime":1579.83,"endTime":1583.34,"body":"enough to let me test drive a"},{"speaker":"Preet Banerjee","startTime":1579.83,"endTime":1583.34,"body":"McLaren gt for an afternoon."},{"speaker":"Preet Banerjee","startTime":1584.06,"endTime":1588.38,"body":"That actually happened before"},{"speaker":"Preet Banerjee","startTime":1584.06,"endTime":1588.38,"body":"COVID-19. But I am still smiling"},{"speaker":"Preet Banerjee","startTime":1588.38,"endTime":1592.73,"body":"from that. Thank you to everyone"},{"speaker":"Preet Banerjee","startTime":1588.38,"endTime":1592.73,"body":"who has already left ratings and"},{"speaker":"Preet Banerjee","startTime":1592.76,"endTime":1596.81,"body":"reviews. I do appreciate it. And"},{"speaker":"Preet Banerjee","startTime":1592.76,"endTime":1596.81,"body":"now back to the conversation"},{"speaker":"Preet Banerjee","startTime":1596.81,"endTime":1599.33,"body":"with Alyssa Davies from mixed"},{"speaker":"Preet Banerjee","startTime":1596.81,"endTime":1599.33,"body":"up."},{"speaker":"Preet Banerjee","startTime":1607.07,"endTime":1610.1,"body":"Let's talk about your story. As"},{"speaker":"Preet Banerjee","startTime":1607.07,"endTime":1610.1,"body":"I mentioned in the bio, you do a"},{"speaker":"Preet Banerjee","startTime":1610.1,"endTime":1614.15,"body":"lot of things. You work for a"},{"speaker":"Preet Banerjee","startTime":1610.1,"endTime":1614.15,"body":"company called xolo. You do some"},{"speaker":"Preet Banerjee","startTime":1614.15,"endTime":1617.57,"body":"freelance writing, you've got"},{"speaker":"Preet Banerjee","startTime":1614.15,"endTime":1617.57,"body":"your own community as well. How"},{"speaker":"Preet Banerjee","startTime":1617.57,"endTime":1620.78,"body":"did you fall into this space?"},{"speaker":"Preet Banerjee","startTime":1617.57,"endTime":1620.78,"body":"Like What Did you What did you"},{"speaker":"Preet Banerjee","startTime":1620.78,"endTime":1624.29,"body":"study in school? And what was"},{"speaker":"Preet Banerjee","startTime":1620.78,"endTime":1624.29,"body":"your journey that led you to"},{"speaker":"Preet Banerjee","startTime":1624.29,"endTime":1627.41,"body":"starting this community in the"},{"speaker":"Preet Banerjee","startTime":1624.29,"endTime":1627.41,"body":"first please like that starting"},{"speaker":"Preet Banerjee","startTime":1627.41,"endTime":1628.4,"body":"that first blog?"},{"speaker":"Alyssa Davies","startTime":1628.85,"endTime":1630.17,"body":"This is"},{"speaker":"Alyssa Davies","startTime":1628.85,"endTime":1630.17,"body":"surprisingly the hardest"},{"speaker":"Alyssa Davies","startTime":1630.17,"endTime":1633.29,"body":"question I ever get asked"},{"speaker":"Alyssa Davies","startTime":1630.17,"endTime":1633.29,"body":"because when someone asks me"},{"speaker":"Alyssa Davies","startTime":1633.29,"endTime":1635.24,"body":"what I do for a living, I never"},{"speaker":"Alyssa Davies","startTime":1633.29,"endTime":1635.24,"body":"know what to say."},{"speaker":"Preet Banerjee","startTime":1635.419,"endTime":1637.399,"body":"Oh, I know. I"},{"speaker":"Preet Banerjee","startTime":1635.419,"endTime":1637.399,"body":"know that feeling. You're just"},{"speaker":"Preet Banerjee","startTime":1637.399,"endTime":1638.569,"body":"singing to the choir. Right?"},{"speaker":"Alyssa Davies","startTime":1638.78,"endTime":1641.48,"body":"Yeah. So yeah, I"},{"speaker":"Alyssa Davies","startTime":1638.78,"endTime":1641.48,"body":"guess I started I went to school"},{"speaker":"Alyssa Davies","startTime":1641.48,"endTime":1644.12,"body":"for journalism. So I have a"},{"speaker":"Alyssa Davies","startTime":1641.48,"endTime":1644.12,"body":"degree in communications, a"},{"speaker":"Alyssa Davies","startTime":1644.12,"endTime":1647.39,"body":"diploma in journalism. And I"},{"speaker":"Alyssa Davies","startTime":1644.12,"endTime":1647.39,"body":"still do that full time. That's"},{"speaker":"Alyssa Davies","startTime":1647.39,"endTime":1651.92,"body":"what I do is write and edit and"},{"speaker":"Alyssa Davies","startTime":1647.39,"endTime":1651.92,"body":"all that good stuff. But I"},{"speaker":"Alyssa Davies","startTime":1651.92,"endTime":1655.73,"body":"actually fell into this in the"},{"speaker":"Alyssa Davies","startTime":1651.92,"endTime":1655.73,"body":"weirdest way. I, I ended up"},{"speaker":"Alyssa Davies","startTime":1655.73,"endTime":1658.64,"body":"landing a job in a not for"},{"speaker":"Alyssa Davies","startTime":1655.73,"endTime":1658.64,"body":"profit organization that did"},{"speaker":"Alyssa Davies","startTime":1658.64,"endTime":1662.0,"body":"debt consolidation. I got into"},{"speaker":"Alyssa Davies","startTime":1658.64,"endTime":1662.0,"body":"the marketing department. So I"},{"speaker":"Alyssa Davies","startTime":1662.0,"endTime":1664.28,"body":"was going to be doing a lot of"},{"speaker":"Alyssa Davies","startTime":1662.0,"endTime":1664.28,"body":"the stuff I studied in school"},{"speaker":"Alyssa Davies","startTime":1664.28,"endTime":1666.74,"body":"there. But a part of the"},{"speaker":"Alyssa Davies","startTime":1664.28,"endTime":1666.74,"body":"training was sitting in and"},{"speaker":"Alyssa Davies","startTime":1666.74,"endTime":1669.35,"body":"getting to know what the company"},{"speaker":"Alyssa Davies","startTime":1666.74,"endTime":1669.35,"body":"did. So I sat in on an"},{"speaker":"Alyssa Davies","startTime":1669.35,"endTime":1672.83,"body":"appointment with one of their"},{"speaker":"Alyssa Davies","startTime":1669.35,"endTime":1672.83,"body":"clients. And she was describing"},{"speaker":"Alyssa Davies","startTime":1672.83,"endTime":1676.52,"body":"her financial situation, her"},{"speaker":"Alyssa Davies","startTime":1672.83,"endTime":1676.52,"body":"debt that she had. And I was"},{"speaker":"Alyssa Davies","startTime":1676.52,"endTime":1679.04,"body":"just sitting there and I'm like,"},{"speaker":"Alyssa Davies","startTime":1676.52,"endTime":1679.04,"body":"starting to sweat because I'm"},{"speaker":"Alyssa Davies","startTime":1679.04,"endTime":1682.01,"body":"like, Oh my gosh, this sounds"},{"speaker":"Alyssa Davies","startTime":1679.04,"endTime":1682.01,"body":"really familiar. Like, this is"},{"speaker":"Alyssa Davies","startTime":1682.01,"endTime":1685.61,"body":"my life. This is just, and I'm"},{"speaker":"Alyssa Davies","startTime":1682.01,"endTime":1685.61,"body":"listening to the counselor and"},{"speaker":"Alyssa Davies","startTime":1685.61,"endTime":1689.87,"body":"she's like, Listen, you're not"},{"speaker":"Alyssa Davies","startTime":1685.61,"endTime":1689.87,"body":"in a good spot. So that night, I"},{"speaker":"Alyssa Davies","startTime":1689.87,"endTime":1692.72,"body":"went home and I was like, I"},{"speaker":"Alyssa Davies","startTime":1689.87,"endTime":1692.72,"body":"really, I really need to do"},{"speaker":"Alyssa Davies","startTime":1692.72,"endTime":1696.05,"body":"something about this, or I'm"},{"speaker":"Alyssa Davies","startTime":1692.72,"endTime":1696.05,"body":"gonna have to be a client at my"},{"speaker":"Alyssa Davies","startTime":1696.05,"endTime":1700.34,"body":"own work. Like I can't be having"},{"speaker":"Alyssa Davies","startTime":1696.05,"endTime":1700.34,"body":"that happen. So I sat down and I"},{"speaker":"Alyssa Davies","startTime":1700.34,"endTime":1702.68,"body":"did what any millennial did, and"},{"speaker":"Alyssa Davies","startTime":1700.34,"endTime":1702.68,"body":"I just started Googling, you"},{"speaker":"Alyssa Davies","startTime":1702.68,"endTime":1705.98,"body":"know, what do I do? How do I pay"},{"speaker":"Alyssa Davies","startTime":1702.68,"endTime":1705.98,"body":"off my debt, and actually found"},{"speaker":"Alyssa Davies","startTime":1705.98,"endTime":1708.65,"body":"Bridget Casey blog Money After"},{"speaker":"Alyssa Davies","startTime":1705.98,"endTime":1708.65,"body":"Graduation. That's the first"},{"speaker":"Alyssa Davies","startTime":1708.65,"endTime":1712.76,"body":"personal finance resource I ever"},{"speaker":"Alyssa Davies","startTime":1708.65,"endTime":1712.76,"body":"found. And I realized she was"},{"speaker":"Alyssa Davies","startTime":1712.76,"endTime":1716.0,"body":"living in the same city as me,"},{"speaker":"Alyssa Davies","startTime":1712.76,"endTime":1716.0,"body":"we had so much in common. And I"},{"speaker":"Alyssa Davies","startTime":1716.0,"endTime":1719.87,"body":"was like, wait a minute, I could"},{"speaker":"Alyssa Davies","startTime":1716.0,"endTime":1719.87,"body":"do this. Why couldn't I do this?"},{"speaker":"Alyssa Davies","startTime":1719.87,"endTime":1723.62,"body":"This seems like a great way to"},{"speaker":"Alyssa Davies","startTime":1719.87,"endTime":1723.62,"body":"hold myself accountable. Get"},{"speaker":"Alyssa Davies","startTime":1723.62,"endTime":1727.22,"body":"more knowledge in this in this"},{"speaker":"Alyssa Davies","startTime":1723.62,"endTime":1727.22,"body":"world, because I had no idea"},{"speaker":"Alyssa Davies","startTime":1727.22,"endTime":1729.44,"body":"that it even existed, like I"},{"speaker":"Alyssa Davies","startTime":1727.22,"endTime":1729.44,"body":"didn't know people actually"},{"speaker":"Alyssa Davies","startTime":1729.44,"endTime":1733.79,"body":"thought personal finance was"},{"speaker":"Alyssa Davies","startTime":1729.44,"endTime":1733.79,"body":"fun. So because I was the"},{"speaker":"Alyssa Davies","startTime":1733.79,"endTime":1737.96,"body":"complete opposite person of our"},{"speaker":"Alyssa Davies","startTime":1733.79,"endTime":1737.96,"body":"demographic, so yeah, so I just"},{"speaker":"Alyssa Davies","startTime":1737.96,"endTime":1741.59,"body":"started a really general"},{"speaker":"Alyssa Davies","startTime":1737.96,"endTime":1741.59,"body":"WordPress blog for free. And I"},{"speaker":"Alyssa Davies","startTime":1741.59,"endTime":1744.65,"body":"just started like an open diary"},{"speaker":"Alyssa Davies","startTime":1741.59,"endTime":1744.65,"body":"was as I was repaying my debt,"},{"speaker":"Alyssa Davies","startTime":1744.71,"endTime":1748.16,"body":"and I, like went cold turkey and"},{"speaker":"Alyssa Davies","startTime":1744.71,"endTime":1748.16,"body":"just stopped shopping for an"},{"speaker":"Alyssa Davies","startTime":1748.16,"endTime":1751.79,"body":"entire year. So I could repay my"},{"speaker":"Alyssa Davies","startTime":1748.16,"endTime":1751.79,"body":"debt. And then I just I haven't"},{"speaker":"Alyssa Davies","startTime":1751.79,"endTime":1753.92,"body":"stopped since. Okay, so"},{"speaker":"Preet Banerjee","startTime":1753.95,"endTime":1755.99,"body":"I know that"},{"speaker":"Preet Banerjee","startTime":1753.95,"endTime":1755.99,"body":"there. There are a number of"},{"speaker":"Preet Banerjee","startTime":1755.99,"endTime":1760.7,"body":"people who kind of started their"},{"speaker":"Preet Banerjee","startTime":1755.99,"endTime":1760.7,"body":"blog as a kind of like an"},{"speaker":"Preet Banerjee","startTime":1760.7,"endTime":1763.28,"body":"accountability sort of measure"},{"speaker":"Preet Banerjee","startTime":1760.7,"endTime":1763.28,"body":"to say, you know, here are my"},{"speaker":"Preet Banerjee","startTime":1763.28,"endTime":1765.59,"body":"goals. I'm going to pay off my"},{"speaker":"Preet Banerjee","startTime":1763.28,"endTime":1765.59,"body":"debt come along on my journey,"},{"speaker":"Preet Banerjee","startTime":1765.59,"endTime":1767.54,"body":"and maybe you can learn"},{"speaker":"Preet Banerjee","startTime":1765.59,"endTime":1767.54,"body":"something too. And, you know,"},{"speaker":"Preet Banerjee","startTime":1767.54,"endTime":1772.31,"body":"with my own blog, I learned so"},{"speaker":"Preet Banerjee","startTime":1767.54,"endTime":1772.31,"body":"much for my readers. Sometimes I"},{"speaker":"Preet Banerjee","startTime":1772.31,"endTime":1774.89,"body":"feel like you know, I was the"},{"speaker":"Preet Banerjee","startTime":1772.31,"endTime":1774.89,"body":"student, not the teacher, like"},{"speaker":"Preet Banerjee","startTime":1774.89,"endTime":1779.63,"body":"for I still feel like that"},{"speaker":"Preet Banerjee","startTime":1774.89,"endTime":1779.63,"body":"sometimes. And it is a real,"},{"speaker":"Preet Banerjee","startTime":1779.84,"endTime":1784.37,"body":"there is a real community out"},{"speaker":"Preet Banerjee","startTime":1779.84,"endTime":1784.37,"body":"there of people who are going"},{"speaker":"Preet Banerjee","startTime":1784.37,"endTime":1788.69,"body":"through a lot of the same"},{"speaker":"Preet Banerjee","startTime":1784.37,"endTime":1788.69,"body":"things. And at the same time,"},{"speaker":"Preet Banerjee","startTime":1788.72,"endTime":1793.7,"body":"yours became one of the more"},{"speaker":"Preet Banerjee","startTime":1788.72,"endTime":1793.7,"body":"popular communities. So how long"},{"speaker":"Preet Banerjee","startTime":1793.7,"endTime":1797.36,"body":"did it take you to pay off your"},{"speaker":"Preet Banerjee","startTime":1793.7,"endTime":1797.36,"body":"debt, and once you paid off your"},{"speaker":"Preet Banerjee","startTime":1797.36,"endTime":1800.09,"body":"debt, what happened with the"},{"speaker":"Preet Banerjee","startTime":1797.36,"endTime":1800.09,"body":"block is it it would have"},{"speaker":"Preet Banerjee","startTime":1800.09,"endTime":1803.57,"body":"transformed I imagine from"},{"speaker":"Preet Banerjee","startTime":1800.09,"endTime":1803.57,"body":"follow along on this journey"},{"speaker":"Preet Banerjee","startTime":1803.57,"endTime":1806.42,"body":"with me Together, we can learn"},{"speaker":"Preet Banerjee","startTime":1803.57,"endTime":1806.42,"body":"some things, pay off our debts."},{"speaker":"Preet Banerjee","startTime":1806.48,"endTime":1808.28,"body":"And then once you did that, what"},{"speaker":"Preet Banerjee","startTime":1806.48,"endTime":1808.28,"body":"did you do next?"},{"speaker":"Alyssa Davies","startTime":1808.94,"endTime":1811.28,"body":"Yeah, it took me"},{"speaker":"Alyssa Davies","startTime":1808.94,"endTime":1811.28,"body":"only 10 months to pay off my"},{"speaker":"Alyssa Davies","startTime":1811.28,"endTime":1814.91,"body":"debt I had thanks around $15,000"},{"speaker":"Alyssa Davies","startTime":1811.28,"endTime":1814.91,"body":"of consumer debt."},{"speaker":"Preet Banerjee","startTime":1815.06,"endTime":1816.77,"body":"Wow, amazing."},{"speaker":"Preet Banerjee","startTime":1815.06,"endTime":1816.77,"body":"pay that off in 10 months."},{"speaker":"Preet Banerjee","startTime":1816.77,"endTime":1817.88,"body":"That's pretty awesome. Yeah, I"},{"speaker":"Alyssa Davies","startTime":1817.88,"endTime":1820.01,"body":"lived a really"},{"speaker":"Alyssa Davies","startTime":1817.88,"endTime":1820.01,"body":"frugal and boring life for a"},{"speaker":"Alyssa Davies","startTime":1820.01,"endTime":1822.35,"body":"year, but it was only a year. So"},{"speaker":"Alyssa Davies","startTime":1820.01,"endTime":1822.35,"body":"it was definitely worth it."},{"speaker":"Alyssa Davies","startTime":1822.56,"endTime":1826.85,"body":"Yeah. And yeah, it just kind of"},{"speaker":"Alyssa Davies","startTime":1822.56,"endTime":1826.85,"body":"transitioned into. I wouldn't"},{"speaker":"Alyssa Davies","startTime":1826.85,"endTime":1829.85,"body":"say it was like, here's all this"},{"speaker":"Alyssa Davies","startTime":1826.85,"endTime":1829.85,"body":"amazing advice. It was more just"},{"speaker":"Alyssa Davies","startTime":1829.85,"endTime":1832.73,"body":"like I'm learning. Like, why"},{"speaker":"Alyssa Davies","startTime":1829.85,"endTime":1832.73,"body":"don't you come learn with me?"},{"speaker":"Alyssa Davies","startTime":1832.85,"endTime":1835.4,"body":"And I'm still making mistakes,"},{"speaker":"Alyssa Davies","startTime":1832.85,"endTime":1835.4,"body":"and I will never stop making"},{"speaker":"Alyssa Davies","startTime":1835.4,"endTime":1838.79,"body":"financial mistakes. Like that is"},{"speaker":"Alyssa Davies","startTime":1835.4,"endTime":1838.79,"body":"probably one thing. I'm the"},{"speaker":"Alyssa Davies","startTime":1838.79,"endTime":1841.1,"body":"worst personal finance blogger"},{"speaker":"Alyssa Davies","startTime":1838.79,"endTime":1841.1,"body":"because I just love to spend"},{"speaker":"Alyssa Davies","startTime":1841.1,"endTime":1844.04,"body":"money. And I'm, I'm still"},{"speaker":"Alyssa Davies","startTime":1841.1,"endTime":1844.04,"body":"working on controlling those."},{"speaker":"Preet Banerjee","startTime":1844.07,"endTime":1847.1,"body":"Hold on, hold"},{"speaker":"Preet Banerjee","startTime":1844.07,"endTime":1847.1,"body":"on. What's the biggest financial"},{"speaker":"Preet Banerjee","startTime":1847.1,"endTime":1848.54,"body":"mistake you've made in the last"},{"speaker":"Preet Banerjee","startTime":1847.1,"endTime":1848.54,"body":"year?"},{"speaker":"Alyssa Davies","startTime":1849.5,"endTime":1851.27,"body":"Oh, my gosh,"},{"speaker":"Alyssa Davies","startTime":1849.5,"endTime":1851.27,"body":"buying a house."},{"speaker":"Preet Banerjee","startTime":1852.11,"endTime":1854.51,"body":"Really? You feel"},{"speaker":"Preet Banerjee","startTime":1852.11,"endTime":1854.51,"body":"that was a mistake? No, no,"},{"speaker":"Alyssa Davies","startTime":1854.54,"endTime":1856.73,"body":"it's one of the"},{"speaker":"Alyssa Davies","startTime":1854.54,"endTime":1856.73,"body":"best decisions I make. But I"},{"speaker":"Alyssa Davies","startTime":1856.73,"endTime":1857.03,"body":"know."},{"speaker":"Preet Banerjee","startTime":1858.65,"endTime":1860.9,"body":"Wait a second."},{"speaker":"Preet Banerjee","startTime":1858.65,"endTime":1860.9,"body":"Probably."},{"speaker":"Alyssa Davies","startTime":1863.12,"endTime":1865.67,"body":"No, it wasn't a"},{"speaker":"Alyssa Davies","startTime":1863.12,"endTime":1865.67,"body":"mistake. It was just like, a"},{"speaker":"Alyssa Davies","startTime":1865.67,"endTime":1869.54,"body":"huge decision. And I know that"},{"speaker":"Alyssa Davies","startTime":1865.67,"endTime":1869.54,"body":"if I didn't have a kid, I"},{"speaker":"Alyssa Davies","startTime":1869.54,"endTime":1872.36,"body":"probably never would have bought"},{"speaker":"Alyssa Davies","startTime":1869.54,"endTime":1872.36,"body":"a house. So it was more a"},{"speaker":"Alyssa Davies","startTime":1872.36,"endTime":1875.12,"body":"personal decision rather than a"},{"speaker":"Alyssa Davies","startTime":1872.36,"endTime":1875.12,"body":"financial decisions. Right."},{"speaker":"Alyssa Davies","startTime":1875.15,"endTime":1875.54,"body":"Okay."},{"speaker":"Preet Banerjee","startTime":1875.81,"endTime":1880.49,"body":"Okay. Okay, so I"},{"speaker":"Preet Banerjee","startTime":1875.81,"endTime":1880.49,"body":"got you off track there. So you"},{"speaker":"Preet Banerjee","startTime":1880.49,"endTime":1884.81,"body":"paid off the debt? And then what"},{"speaker":"Preet Banerjee","startTime":1880.49,"endTime":1884.81,"body":"happened to the blog, like say,"},{"speaker":"Preet Banerjee","startTime":1884.81,"endTime":1887.78,"body":"Okay, well, now what do I write"},{"speaker":"Preet Banerjee","startTime":1884.81,"endTime":1887.78,"body":"about? Because now I've, I've"},{"speaker":"Preet Banerjee","startTime":1887.78,"endTime":1891.11,"body":"tackled like that one big thing."},{"speaker":"Preet Banerjee","startTime":1887.78,"endTime":1891.11,"body":"Oh, and by the way, that"},{"speaker":"Preet Banerjee","startTime":1891.11,"endTime":1893.99,"body":"organization, that's where we"},{"speaker":"Preet Banerjee","startTime":1891.11,"endTime":1893.99,"body":"first met, right? Yes, it is. I"},{"speaker":"Preet Banerjee","startTime":1893.99,"endTime":1896.57,"body":"gave a talk. I remember, I flew"},{"speaker":"Preet Banerjee","startTime":1893.99,"endTime":1896.57,"body":"to I guess it would have been"},{"speaker":"Preet Banerjee","startTime":1896.57,"endTime":1899.69,"body":"Calgary. Yeah. And gave a talk."},{"speaker":"Preet Banerjee","startTime":1896.57,"endTime":1899.69,"body":"And I remember meeting you"},{"speaker":"Preet Banerjee","startTime":1899.69,"endTime":1904.34,"body":"there. And yeah, so in any case,"},{"speaker":"Preet Banerjee","startTime":1899.69,"endTime":1904.34,"body":"so you pay off the debt. And"},{"speaker":"Preet Banerjee","startTime":1904.34,"endTime":1906.62,"body":"then what did you do? You're"},{"speaker":"Preet Banerjee","startTime":1904.34,"endTime":1906.62,"body":"like, Alright, what do I talk"},{"speaker":"Preet Banerjee","startTime":1906.62,"endTime":1907.1,"body":"about? No,"},{"speaker":"Alyssa Davies","startTime":1907.639,"endTime":1910.099,"body":"yeah, I just, I"},{"speaker":"Alyssa Davies","startTime":1907.639,"endTime":1910.099,"body":"just kept talking about"},{"speaker":"Alyssa Davies","startTime":1910.309,"endTime":1912.979,"body":"everything I was doing with"},{"speaker":"Alyssa Davies","startTime":1910.309,"endTime":1912.979,"body":"money. It was literally just an"},{"speaker":"Alyssa Davies","startTime":1912.979,"endTime":1915.829,"body":"online diary. Like it stayed"},{"speaker":"Alyssa Davies","startTime":1912.979,"endTime":1915.829,"body":"like that. Now it's gotten a"},{"speaker":"Alyssa Davies","startTime":1915.829,"endTime":1918.319,"body":"little bit more like, Okay, I"},{"speaker":"Alyssa Davies","startTime":1915.829,"endTime":1918.319,"body":"know a little bit more, and I"},{"speaker":"Alyssa Davies","startTime":1918.319,"endTime":1920.209,"body":"have a little bit more"},{"speaker":"Alyssa Davies","startTime":1918.319,"endTime":1920.209,"body":"information. So when people do"},{"speaker":"Alyssa Davies","startTime":1920.209,"endTime":1922.429,"body":"reach out and ask questions,"},{"speaker":"Alyssa Davies","startTime":1920.209,"endTime":1922.429,"body":"it's more geared towards what"},{"speaker":"Alyssa Davies","startTime":1922.429,"endTime":1924.979,"body":"they want to learn. And I"},{"speaker":"Alyssa Davies","startTime":1922.429,"endTime":1924.979,"body":"learned with them, because I"},{"speaker":"Alyssa Davies","startTime":1924.979,"endTime":1928.309,"body":"wouldn't call myself like a"},{"speaker":"Alyssa Davies","startTime":1924.979,"endTime":1928.309,"body":"financial expert by any means."},{"speaker":"Alyssa Davies","startTime":1928.309,"endTime":1931.609,"body":"I'm just a writer who is really,"},{"speaker":"Alyssa Davies","startTime":1928.309,"endTime":1931.609,"body":"really passionate about money."},{"speaker":"Alyssa Davies","startTime":1931.909,"endTime":1934.759,"body":"And that wants to learn with"},{"speaker":"Alyssa Davies","startTime":1931.909,"endTime":1934.759,"body":"people. And like you said to"},{"speaker":"Alyssa Davies","startTime":1935.149,"endTime":1938.029,"body":"with the readers, it's so crazy,"},{"speaker":"Alyssa Davies","startTime":1935.149,"endTime":1938.029,"body":"because my Instagram has grown"},{"speaker":"Alyssa Davies","startTime":1938.029,"endTime":1941.269,"body":"so much over the past year, I"},{"speaker":"Alyssa Davies","startTime":1938.029,"endTime":1941.269,"body":"have a lot of really cool"},{"speaker":"Alyssa Davies","startTime":1941.419,"endTime":1943.669,"body":"relationships with people that"},{"speaker":"Alyssa Davies","startTime":1941.419,"endTime":1943.669,"body":"I've never met in person, which"},{"speaker":"Alyssa Davies","startTime":1943.669,"endTime":1946.369,"body":"is one of the best parts about"},{"speaker":"Alyssa Davies","startTime":1943.669,"endTime":1946.369,"body":"personal finances, you meet all"},{"speaker":"Alyssa Davies","startTime":1946.369,"endTime":1950.059,"body":"these awesome people from all"},{"speaker":"Alyssa Davies","startTime":1946.369,"endTime":1950.059,"body":"over the world. But my husband"},{"speaker":"Alyssa Davies","startTime":1950.059,"endTime":1953.539,"body":"was like, What is like, you get"},{"speaker":"Alyssa Davies","startTime":1950.059,"endTime":1953.539,"body":"so many messages, and they're so"},{"speaker":"Alyssa Davies","startTime":1953.539,"endTime":1956.239,"body":"long, like they're just like,"},{"speaker":"Alyssa Davies","startTime":1953.539,"endTime":1956.239,"body":"full? It's like, you're getting"},{"speaker":"Alyssa Davies","startTime":1956.239,"endTime":1958.489,"body":"a message from an angry axe,"},{"speaker":"Alyssa Davies","startTime":1956.239,"endTime":1958.489,"body":"right? Like, they're just so"},{"speaker":"Alyssa Davies","startTime":1958.489,"endTime":1962.239,"body":"long. But he's like, what are"},{"speaker":"Alyssa Davies","startTime":1958.489,"endTime":1962.239,"body":"these about? And and I'm like,"},{"speaker":"Alyssa Davies","startTime":1962.539,"endTime":1965.179,"body":"actually, like, most of the"},{"speaker":"Alyssa Davies","startTime":1962.539,"endTime":1965.179,"body":"time, it's just people wanting"},{"speaker":"Alyssa Davies","startTime":1965.179,"endTime":1969.049,"body":"to talk about their money wins,"},{"speaker":"Alyssa Davies","startTime":1965.179,"endTime":1969.049,"body":"or their money failures. And"},{"speaker":"Alyssa Davies","startTime":1969.049,"endTime":1970.909,"body":"he's like, well, don't they have"},{"speaker":"Alyssa Davies","startTime":1969.049,"endTime":1970.909,"body":"other people to talk about that"},{"speaker":"Alyssa Davies","startTime":1970.909,"endTime":1974.929,"body":"with him? Like, honestly, no,"},{"speaker":"Alyssa Davies","startTime":1970.909,"endTime":1974.929,"body":"like, no one has anyone to talk"},{"speaker":"Alyssa Davies","startTime":1974.929,"endTime":1977.479,"body":"about with money, because no one"},{"speaker":"Alyssa Davies","startTime":1974.929,"endTime":1977.479,"body":"wants to talk about money. Like,"},{"speaker":"Alyssa Davies","startTime":1977.479,"endTime":1979.489,"body":"that's not a common thing. You'd"},{"speaker":"Alyssa Davies","startTime":1977.479,"endTime":1979.489,"body":"go to your friends and be like,"},{"speaker":"Alyssa Davies","startTime":1979.489,"endTime":1982.909,"body":"guess what, I, I just put $1,000"},{"speaker":"Alyssa Davies","startTime":1979.489,"endTime":1982.909,"body":"towards my debt this month, like"},{"speaker":"Alyssa Davies","startTime":1982.909,"endTime":1984.829,"body":"is a huge accomplishment for me,"},{"speaker":"Alyssa Davies","startTime":1982.909,"endTime":1984.829,"body":"your friends are gonna be like,"},{"speaker":"Alyssa Davies","startTime":1984.829,"endTime":1989.029,"body":"Okay, do you want to go for"},{"speaker":"Alyssa Davies","startTime":1984.829,"endTime":1989.029,"body":"drinks tonight? Right? So it's"},{"speaker":"Alyssa Davies","startTime":1989.029,"endTime":1991.489,"body":"like, it's just they have find"},{"speaker":"Alyssa Davies","startTime":1989.029,"endTime":1991.489,"body":"that they have someone they can"},{"speaker":"Alyssa Davies","startTime":1991.489,"endTime":1994.099,"body":"relate to in a different way."},{"speaker":"Alyssa Davies","startTime":1991.489,"endTime":1994.099,"body":"And they won't feel any"},{"speaker":"Alyssa Davies","startTime":1994.099,"endTime":1997.129,"body":"judgment, right? Because that's"},{"speaker":"Alyssa Davies","startTime":1994.099,"endTime":1997.129,"body":"no matter what you're doing or"},{"speaker":"Alyssa Davies","startTime":1997.129,"endTime":2000.069,"body":"who you're talking with? You can"},{"speaker":"Alyssa Davies","startTime":1997.129,"endTime":2000.069,"body":"always feel like that little"},{"speaker":"Alyssa Davies","startTime":2000.069,"endTime":2002.409,"body":"sense of, do they really want to"},{"speaker":"Alyssa Davies","startTime":2000.069,"endTime":2002.409,"body":"hear about this?"},{"speaker":"Preet Banerjee","startTime":2002.71,"endTime":2005.05,"body":"Yeah, it is"},{"speaker":"Preet Banerjee","startTime":2002.71,"endTime":2005.05,"body":"tough to find people who are in"},{"speaker":"Preet Banerjee","startTime":2005.05,"endTime":2008.05,"body":"the same who have the same"},{"speaker":"Preet Banerjee","startTime":2005.05,"endTime":2008.05,"body":"desire to learn about these"},{"speaker":"Preet Banerjee","startTime":2008.05,"endTime":2011.68,"body":"things. Like when it comes to"},{"speaker":"Preet Banerjee","startTime":2008.05,"endTime":2011.68,"body":"your personal friend group? Do"},{"speaker":"Preet Banerjee","startTime":2011.68,"endTime":2013.96,"body":"they like say, Oh, that's,"},{"speaker":"Preet Banerjee","startTime":2011.68,"endTime":2013.96,"body":"that's Alyssa. She's the money"},{"speaker":"Preet Banerjee","startTime":2013.96,"endTime":2016.72,"body":"blogger, but and they're like,"},{"speaker":"Preet Banerjee","startTime":2013.96,"endTime":2016.72,"body":"let's go on the towel. It's"},{"speaker":"Preet Banerjee","startTime":2016.72,"endTime":2020.05,"body":"like, Let's drink. Let's spend"},{"speaker":"Preet Banerjee","startTime":2016.72,"endTime":2020.05,"body":"money. Like, do you find that"},{"speaker":"Preet Banerjee","startTime":2020.05,"endTime":2021.97,"body":"your friends are not your"},{"speaker":"Preet Banerjee","startTime":2020.05,"endTime":2021.97,"body":"readers?"},{"speaker":"Alyssa Davies","startTime":2022.48,"endTime":2027.04,"body":"Oh my gosh, yeah."},{"speaker":"Alyssa Davies","startTime":2022.48,"endTime":2027.04,"body":"100%. I have one friend now who"},{"speaker":"Alyssa Davies","startTime":2027.07,"endTime":2030.61,"body":"she loves talking about it."},{"speaker":"Alyssa Davies","startTime":2027.07,"endTime":2030.61,"body":"Seriously, though, most of my"},{"speaker":"Alyssa Davies","startTime":2030.61,"endTime":2034.3,"body":"girlfriends are all nurses. So"},{"speaker":"Alyssa Davies","startTime":2030.61,"endTime":2034.3,"body":"they're just happy in their"},{"speaker":"Alyssa Davies","startTime":2034.3,"endTime":2038.68,"body":"ways. They make a great salary,"},{"speaker":"Alyssa Davies","startTime":2034.3,"endTime":2038.68,"body":"they get their whole pension. So"},{"speaker":"Alyssa Davies","startTime":2038.68,"endTime":2041.26,"body":"it's not top of mind for them,"},{"speaker":"Alyssa Davies","startTime":2038.68,"endTime":2041.26,"body":"even though it should be like I"},{"speaker":"Alyssa Davies","startTime":2041.26,"endTime":2045.55,"body":"try try try. But it's just not"},{"speaker":"Alyssa Davies","startTime":2041.26,"endTime":2045.55,"body":"their thing. And I'm not gonna"},{"speaker":"Alyssa Davies","startTime":2045.55,"endTime":2048.67,"body":"force it. I have a great"},{"speaker":"Alyssa Davies","startTime":2045.55,"endTime":2048.67,"body":"community already. So I don't"},{"speaker":"Alyssa Davies","startTime":2048.67,"endTime":2051.61,"body":"feel like it's necessary to kind"},{"speaker":"Alyssa Davies","startTime":2048.67,"endTime":2051.61,"body":"of convert our friendship into"},{"speaker":"Alyssa Davies","startTime":2052.03,"endTime":2053.89,"body":"into that financial zone. But"},{"speaker":"Alyssa Davies","startTime":2052.03,"endTime":2053.89,"body":"yeah, do"},{"speaker":"Preet Banerjee","startTime":2053.89,"endTime":2055.69,"body":"they know that"},{"speaker":"Preet Banerjee","startTime":2053.89,"endTime":2055.69,"body":"you're an online celebrity?"},{"speaker":"Alyssa Davies","startTime":2056.83,"endTime":2059.65,"body":"Never ever call"},{"speaker":"Alyssa Davies","startTime":2056.83,"endTime":2059.65,"body":"me a celebrity? Okay, do"},{"speaker":"Preet Banerjee","startTime":2059.65,"endTime":2062.32,"body":"they know that"},{"speaker":"Preet Banerjee","startTime":2059.65,"endTime":2062.32,"body":"you're an online entity?"},{"speaker":"Alyssa Davies","startTime":2063.969,"endTime":2066.549,"body":"Yeah, they all"},{"speaker":"Alyssa Davies","startTime":2063.969,"endTime":2066.549,"body":"follow me. Whether they actually"},{"speaker":"Alyssa Davies","startTime":2066.549,"endTime":2069.639,"body":"watch or look at my content is"},{"speaker":"Alyssa Davies","startTime":2066.549,"endTime":2069.639,"body":"another story."},{"speaker":"Preet Banerjee","startTime":2070.27,"endTime":2073.45,"body":"But they do"},{"speaker":"Preet Banerjee","startTime":2070.27,"endTime":2073.45,"body":"pretend. What are I'm gonna put"},{"speaker":"Preet Banerjee","startTime":2073.45,"endTime":2077.35,"body":"you on the spot. Now? I don't"},{"speaker":"Preet Banerjee","startTime":2073.45,"endTime":2077.35,"body":"know if they'll listen. But your"},{"speaker":"Preet Banerjee","startTime":2077.35,"endTime":2079.42,"body":"friends, what are the biggest"},{"speaker":"Preet Banerjee","startTime":2077.35,"endTime":2079.42,"body":"mistakes that you see your"},{"speaker":"Preet Banerjee","startTime":2079.42,"endTime":2080.14,"body":"friends make?"},{"speaker":"Alyssa Davies","startTime":2080.62,"endTime":2085.75,"body":"Oh, man, probably"},{"speaker":"Alyssa Davies","startTime":2080.62,"endTime":2085.75,"body":"that they don't diversify their"},{"speaker":"Alyssa Davies","startTime":2085.81,"endTime":2088.48,"body":"investments enough because they"},{"speaker":"Alyssa Davies","startTime":2085.81,"endTime":2088.48,"body":"have that pension. It's like,"},{"speaker":"Alyssa Davies","startTime":2088.9,"endTime":2092.71,"body":"I'm good. And I'm like, Well,"},{"speaker":"Alyssa Davies","startTime":2088.9,"endTime":2092.71,"body":"what if something happens? And a"},{"speaker":"Alyssa Davies","startTime":2092.71,"endTime":2095.23,"body":"lot of them are just so"},{"speaker":"Alyssa Davies","startTime":2092.71,"endTime":2095.23,"body":"comfortable. But I think the"},{"speaker":"Alyssa Davies","startTime":2095.23,"endTime":2098.35,"body":"interesting part is one of my"},{"speaker":"Alyssa Davies","startTime":2095.23,"endTime":2098.35,"body":"one friend that's willing to"},{"speaker":"Alyssa Davies","startTime":2098.35,"endTime":2101.92,"body":"talk about it with me. It's we"},{"speaker":"Alyssa Davies","startTime":2098.35,"endTime":2101.92,"body":"started at non for profits, or"},{"speaker":"Alyssa Davies","startTime":2101.92,"endTime":2104.11,"body":"we started making like a really"},{"speaker":"Alyssa Davies","startTime":2101.92,"endTime":2104.11,"body":"low income when we were right"},{"speaker":"Alyssa Davies","startTime":2104.11,"endTime":2107.44,"body":"out of college. And our friends"},{"speaker":"Alyssa Davies","startTime":2104.11,"endTime":2107.44,"body":"that are nurses just jumped into"},{"speaker":"Alyssa Davies","startTime":2107.44,"endTime":2113.14,"body":"this amazing salaried position."},{"speaker":"Alyssa Davies","startTime":2107.44,"endTime":2113.14,"body":"And they're slowly growing. But"},{"speaker":"Alyssa Davies","startTime":2113.14,"endTime":2116.74,"body":"my friend and I are able to grow"},{"speaker":"Alyssa Davies","startTime":2113.14,"endTime":2116.74,"body":"more, because we just have more"},{"speaker":"Alyssa Davies","startTime":2116.74,"endTime":2120.04,"body":"room for growth, nurses don't"},{"speaker":"Alyssa Davies","startTime":2116.74,"endTime":2120.04,"body":"have the same amount of room for"},{"speaker":"Alyssa Davies","startTime":2120.04,"endTime":2123.97,"body":"growth as we do. And, and that's"},{"speaker":"Alyssa Davies","startTime":2120.04,"endTime":2123.97,"body":"something that's interesting now"},{"speaker":"Alyssa Davies","startTime":2123.97,"endTime":2126.34,"body":"is because they're kind of"},{"speaker":"Alyssa Davies","startTime":2123.97,"endTime":2126.34,"body":"hitting their peak, and it's,"},{"speaker":"Alyssa Davies","startTime":2126.49,"endTime":2130.33,"body":"and we're just starting to grow."},{"speaker":"Alyssa Davies","startTime":2126.49,"endTime":2130.33,"body":"And so there's differences there"},{"speaker":"Alyssa Davies","startTime":2130.33,"endTime":2133.99,"body":"that we never would have really"},{"speaker":"Alyssa Davies","startTime":2130.33,"endTime":2133.99,"body":"talked about, and that and make"},{"speaker":"Alyssa Davies","startTime":2133.99,"endTime":2136.12,"body":"it a little bit more difficult."},{"speaker":"Alyssa Davies","startTime":2133.99,"endTime":2136.12,"body":"Like we tried to plan a group"},{"speaker":"Alyssa Davies","startTime":2136.12,"endTime":2139.24,"body":"trip to Mexico, and oh, my gosh,"},{"speaker":"Alyssa Davies","startTime":2136.12,"endTime":2139.24,"body":"so hard."},{"speaker":"Preet Banerjee","startTime":2140.41,"endTime":2142.87,"body":"Well, you know,"},{"speaker":"Preet Banerjee","startTime":2140.41,"endTime":2142.87,"body":"this is I think this is a very"},{"speaker":"Preet Banerjee","startTime":2142.87,"endTime":2147.22,"body":"interesting topic. Because, for"},{"speaker":"Preet Banerjee","startTime":2142.87,"endTime":2147.22,"body":"me, planning a getaway for"},{"speaker":"Preet Banerjee","startTime":2147.22,"endTime":2150.55,"body":"someone is generally where I say"},{"speaker":"Preet Banerjee","startTime":2147.22,"endTime":2150.55,"body":"if you haven't, if you're dating"},{"speaker":"Preet Banerjee","startTime":2150.55,"endTime":2154.66,"body":"someone, and you haven't had the"},{"speaker":"Preet Banerjee","startTime":2150.55,"endTime":2154.66,"body":"talk, like you haven't gotten"},{"speaker":"Preet Banerjee","startTime":2154.66,"endTime":2160.57,"body":"financially naked, yet, one of"},{"speaker":"Preet Banerjee","startTime":2154.66,"endTime":2160.57,"body":"the great sort of times where"},{"speaker":"Preet Banerjee","startTime":2160.57,"endTime":2163.6,"body":"you can start to talk about and"},{"speaker":"Preet Banerjee","startTime":2160.57,"endTime":2163.6,"body":"try and get into their head in"},{"speaker":"Preet Banerjee","startTime":2163.6,"endTime":2166.24,"body":"terms of how they think about"},{"speaker":"Preet Banerjee","startTime":2163.6,"endTime":2166.24,"body":"money, and what they think about"},{"speaker":"Preet Banerjee","startTime":2166.24,"endTime":2170.68,"body":"money is a vacation, you know,"},{"speaker":"Preet Banerjee","startTime":2166.24,"endTime":2170.68,"body":"and are they the type of person"},{"speaker":"Preet Banerjee","startTime":2170.68,"endTime":2172.87,"body":"that just gonna put everything"},{"speaker":"Preet Banerjee","startTime":2170.68,"endTime":2172.87,"body":"on a credit card? And they'll"},{"speaker":"Preet Banerjee","startTime":2172.87,"endTime":2176.29,"body":"figure it out after the fact?"},{"speaker":"Preet Banerjee","startTime":2172.87,"endTime":2176.29,"body":"Did you do any type of planning?"},{"speaker":"Preet Banerjee","startTime":2177.04,"endTime":2182.17,"body":"Is there in your mind like a"},{"speaker":"Preet Banerjee","startTime":2177.04,"endTime":2182.17,"body":"particular milestone, like a"},{"speaker":"Preet Banerjee","startTime":2182.17,"endTime":2185.41,"body":"small milestone for people who"},{"speaker":"Preet Banerjee","startTime":2182.17,"endTime":2185.41,"body":"are, you know, just starting to"},{"speaker":"Preet Banerjee","startTime":2185.41,"endTime":2187.78,"body":"get serious about someone where"},{"speaker":"Preet Banerjee","startTime":2185.41,"endTime":2187.78,"body":"they can start to have that"},{"speaker":"Preet Banerjee","startTime":2187.78,"endTime":2192.43,"body":"conversation about money? Or is"},{"speaker":"Preet Banerjee","startTime":2187.78,"endTime":2192.43,"body":"it just a matter of you counsel"},{"speaker":"Preet Banerjee","startTime":2192.43,"endTime":2196.48,"body":"people, and you say, Listen, you"},{"speaker":"Preet Banerjee","startTime":2192.43,"endTime":2196.48,"body":"need to have the talk. And"},{"speaker":"Preet Banerjee","startTime":2196.51,"endTime":2199.48,"body":"here's a script for how to sit"},{"speaker":"Preet Banerjee","startTime":2196.51,"endTime":2199.48,"body":"down and have that talk, what is"},{"speaker":"Preet Banerjee","startTime":2199.48,"endTime":2204.31,"body":"a good, you know, mini sort of"},{"speaker":"Preet Banerjee","startTime":2199.48,"endTime":2204.31,"body":"milestone to to get people"},{"speaker":"Preet Banerjee","startTime":2204.31,"endTime":2205.27,"body":"talking about money."},{"speaker":"Alyssa Davies","startTime":2205.48,"endTime":2207.55,"body":"A vacation is a"},{"speaker":"Alyssa Davies","startTime":2205.48,"endTime":2207.55,"body":"great example. Like, I have a"},{"speaker":"Alyssa Davies","startTime":2207.55,"endTime":2210.04,"body":"friend that went on a vacation"},{"speaker":"Alyssa Davies","startTime":2207.55,"endTime":2210.04,"body":"early on in a relationship and"},{"speaker":"Alyssa Davies","startTime":2210.04,"endTime":2212.59,"body":"they broke up as soon as they"},{"speaker":"Alyssa Davies","startTime":2210.04,"endTime":2212.59,"body":"got back. So really owed her a"},{"speaker":"Alyssa Davies","startTime":2212.59,"endTime":2216.61,"body":"bunch of money, and she never"},{"speaker":"Alyssa Davies","startTime":2212.59,"endTime":2216.61,"body":"got it back. Hmm. So yeah,"},{"speaker":"Alyssa Davies","startTime":2216.91,"endTime":2220.66,"body":"definitely talk about it before"},{"speaker":"Alyssa Davies","startTime":2216.91,"endTime":2220.66,"body":"you go on a vacation. Especially"},{"speaker":"Alyssa Davies","startTime":2220.66,"endTime":2223.27,"body":"if they're like, Yeah, you got"},{"speaker":"Alyssa Davies","startTime":2220.66,"endTime":2223.27,"body":"it, and I'll hit you back later."},{"speaker":"Alyssa Davies","startTime":2224.35,"endTime":2226.87,"body":"It's not really a good plan,"},{"speaker":"Alyssa Davies","startTime":2224.35,"endTime":2226.87,"body":"right? You know that in your"},{"speaker":"Alyssa Davies","startTime":2226.87,"endTime":2229.0,"body":"gut, but you're like, well, I"},{"speaker":"Alyssa Davies","startTime":2226.87,"endTime":2229.0,"body":"kind of like him. So"},{"speaker":"Preet Banerjee","startTime":2232.39,"endTime":2235.72,"body":"you have a you"},{"speaker":"Preet Banerjee","startTime":2232.39,"endTime":2235.72,"body":"have a book and I and I, I would"},{"speaker":"Preet Banerjee","startTime":2235.72,"endTime":2242.5,"body":"say I had a copy because it has"},{"speaker":"Preet Banerjee","startTime":2235.72,"endTime":2242.5,"body":"been absconded from me. I my"},{"speaker":"Preet Banerjee","startTime":2242.5,"endTime":2245.32,"body":"partner, she took it and she"},{"speaker":"Preet Banerjee","startTime":2242.5,"endTime":2245.32,"body":"loves it. So I haven't had"},{"speaker":"Preet Banerjee","startTime":2245.32,"endTime":2247.9,"body":"actually had time to sort of"},{"speaker":"Preet Banerjee","startTime":2245.32,"endTime":2247.9,"body":"like go through the exercises."},{"speaker":"Preet Banerjee","startTime":2247.9,"endTime":2252.1,"body":"So can you walk me through the"},{"speaker":"Preet Banerjee","startTime":2247.9,"endTime":2252.1,"body":"100 day financial goal journal,"},{"speaker":"Preet Banerjee","startTime":2252.1,"endTime":2254.8,"body":"like what it's not like a book"},{"speaker":"Preet Banerjee","startTime":2252.1,"endTime":2254.8,"body":"where you you read and every"},{"speaker":"Preet Banerjee","startTime":2254.8,"endTime":2256.96,"body":"chapter you learn something"},{"speaker":"Preet Banerjee","startTime":2254.8,"endTime":2256.96,"body":"about money? It's actually kind"},{"speaker":"Preet Banerjee","startTime":2256.96,"endTime":2260.08,"body":"of like a an exercise, right? So"},{"speaker":"Preet Banerjee","startTime":2256.96,"endTime":2260.08,"body":"we can explain what this book"},{"speaker":"Preet Banerjee","startTime":2260.08,"endTime":2260.38,"body":"is."},{"speaker":"Alyssa Davies","startTime":2260.53,"endTime":2264.04,"body":"Yeah. So this"},{"speaker":"Alyssa Davies","startTime":2260.53,"endTime":2264.04,"body":"book is, is something that I"},{"speaker":"Alyssa Davies","startTime":2264.07,"endTime":2267.58,"body":"personally use before I wrote"},{"speaker":"Alyssa Davies","startTime":2264.07,"endTime":2267.58,"body":"it, I always track my spending,"},{"speaker":"Alyssa Davies","startTime":2267.82,"endTime":2270.58,"body":"not like religiously or"},{"speaker":"Alyssa Davies","startTime":2267.82,"endTime":2270.58,"body":"anything. But when I'm going to"},{"speaker":"Alyssa Davies","startTime":2270.58,"endTime":2274.75,"body":"try and tackle a really big"},{"speaker":"Alyssa Davies","startTime":2270.58,"endTime":2274.75,"body":"money goal, I have to do it, or"},{"speaker":"Alyssa Davies","startTime":2274.75,"endTime":2279.25,"body":"I don't stay kind of on point"},{"speaker":"Alyssa Davies","startTime":2274.75,"endTime":2279.25,"body":"with that goal. So it's just"},{"speaker":"Alyssa Davies","startTime":2279.25,"endTime":2282.67,"body":"that it's a daily tracker, you"},{"speaker":"Alyssa Davies","startTime":2279.25,"endTime":2282.67,"body":"write down all of your expenses."},{"speaker":"Alyssa Davies","startTime":2283.12,"endTime":2286.24,"body":"It's really, really keyed in on"},{"speaker":"Alyssa Davies","startTime":2283.12,"endTime":2286.24,"body":"your emotions and your behaviors"},{"speaker":"Alyssa Davies","startTime":2286.24,"endTime":2288.91,"body":"with your spending. Because it's"},{"speaker":"Alyssa Davies","startTime":2286.24,"endTime":2288.91,"body":"more about Okay, this is how"},{"speaker":"Alyssa Davies","startTime":2288.91,"endTime":2292.03,"body":"much I spent today. But how was"},{"speaker":"Alyssa Davies","startTime":2288.91,"endTime":2292.03,"body":"I feeling? Why did I spend that"},{"speaker":"Alyssa Davies","startTime":2292.03,"endTime":2295.63,"body":"money? Am I still on track,"},{"speaker":"Alyssa Davies","startTime":2292.03,"endTime":2295.63,"body":"maybe this put me back a little"},{"speaker":"Alyssa Davies","startTime":2295.63,"endTime":2298.75,"body":"bit. It's just a check in every"},{"speaker":"Alyssa Davies","startTime":2295.63,"endTime":2298.75,"body":"single day. It's like those five"},{"speaker":"Alyssa Davies","startTime":2298.75,"endTime":2301.78,"body":"minute journals almost, but it's"},{"speaker":"Alyssa Davies","startTime":2298.75,"endTime":2301.78,"body":"for your money. And it's it just"},{"speaker":"Alyssa Davies","startTime":2301.78,"endTime":2303.97,"body":"makes it a little bit more"},{"speaker":"Alyssa Davies","startTime":2301.78,"endTime":2303.97,"body":"simple. It's less judgmental,"},{"speaker":"Alyssa Davies","startTime":2303.97,"endTime":2307.06,"body":"and it's not full of any"},{"speaker":"Alyssa Davies","startTime":2303.97,"endTime":2307.06,"body":"financial jargon. It's just a"},{"speaker":"Alyssa Davies","startTime":2307.06,"endTime":2310.63,"body":"basic lesson each week,"},{"speaker":"Alyssa Davies","startTime":2307.06,"endTime":2310.63,"body":"something that you can really"},{"speaker":"Alyssa Davies","startTime":2310.63,"endTime":2313.78,"body":"easily tackle without if you're"},{"speaker":"Alyssa Davies","startTime":2310.63,"endTime":2313.78,"body":"a busy person, like as a mom, I"},{"speaker":"Alyssa Davies","startTime":2313.78,"endTime":2318.28,"body":"know that I don't have a lot of"},{"speaker":"Alyssa Davies","startTime":2313.78,"endTime":2318.28,"body":"time to do any crazy journal"},{"speaker":"Alyssa Davies","startTime":2318.28,"endTime":2320.77,"body":"entries or anything like that."},{"speaker":"Alyssa Davies","startTime":2318.28,"endTime":2320.77,"body":"So it's just simple. And it"},{"speaker":"Alyssa Davies","startTime":2320.77,"endTime":2322.69,"body":"really keeps you on track and"},{"speaker":"Alyssa Davies","startTime":2320.77,"endTime":2322.69,"body":"keeps you accountable."},{"speaker":"Preet Banerjee","startTime":2323.23,"endTime":2325.54,"body":"Right. So it's"},{"speaker":"Preet Banerjee","startTime":2323.23,"endTime":2325.54,"body":"not like, Hey, here's a discount"},{"speaker":"Preet Banerjee","startTime":2325.54,"endTime":2327.79,"body":"cash flow models and how to"},{"speaker":"Preet Banerjee","startTime":2325.54,"endTime":2327.79,"body":"value a stock. This is like"},{"speaker":"Preet Banerjee","startTime":2327.79,"endTime":2331.78,"body":"actual stuff that people use in"},{"speaker":"Preet Banerjee","startTime":2327.79,"endTime":2331.78,"body":"everyday life to hit their"},{"speaker":"Preet Banerjee","startTime":2331.78,"endTime":2333.16,"body":"financial goals. Right?"},{"speaker":"Alyssa Davies","startTime":2333.16,"endTime":2334.45,"body":"Yes. So"},{"speaker":"Preet Banerjee","startTime":2334.6,"endTime":2336.13,"body":"for the people"},{"speaker":"Preet Banerjee","startTime":2334.6,"endTime":2336.13,"body":"who have bought the books, what"},{"speaker":"Preet Banerjee","startTime":2336.13,"endTime":2339.16,"body":"do they What did they tell you"},{"speaker":"Preet Banerjee","startTime":2336.13,"endTime":2339.16,"body":"are the goals that they're using"},{"speaker":"Preet Banerjee","startTime":2339.16,"endTime":2341.86,"body":"to achieve and using this book"},{"speaker":"Preet Banerjee","startTime":2339.16,"endTime":2341.86,"body":"to do that?"},{"speaker":"Alyssa Davies","startTime":2342.34,"endTime":2344.5,"body":"Yeah, one of"},{"speaker":"Alyssa Davies","startTime":2342.34,"endTime":2344.5,"body":"them. She's on her third book"},{"speaker":"Alyssa Davies","startTime":2344.5,"endTime":2347.71,"body":"now. And she just keeps buying"},{"speaker":"Alyssa Davies","startTime":2344.5,"endTime":2347.71,"body":"it because it's been working,"},{"speaker":"Alyssa Davies","startTime":2347.71,"endTime":2351.31,"body":"she's paying off her student"},{"speaker":"Alyssa Davies","startTime":2347.71,"endTime":2351.31,"body":"loans. And so every 100 days,"},{"speaker":"Alyssa Davies","startTime":2351.31,"endTime":2355.18,"body":"she just kind of takes point of"},{"speaker":"Alyssa Davies","startTime":2351.31,"endTime":2355.18,"body":"how much she can pay off. And"},{"speaker":"Alyssa Davies","startTime":2355.18,"endTime":2357.73,"body":"she's actually exceeded it every"},{"speaker":"Alyssa Davies","startTime":2355.18,"endTime":2357.73,"body":"single time, which is amazing."},{"speaker":"Alyssa Davies","startTime":2358.21,"endTime":2360.73,"body":"But she said, she's been looking"},{"speaker":"Alyssa Davies","startTime":2358.21,"endTime":2360.73,"body":"for a tool for so long, and"},{"speaker":"Alyssa Davies","startTime":2360.73,"endTime":2364.45,"body":"nothing really stuck until the"},{"speaker":"Alyssa Davies","startTime":2360.73,"endTime":2364.45,"body":"journal because it was just more"},{"speaker":"Alyssa Davies","startTime":2364.45,"endTime":2367.3,"body":"connected to her emotions. And"},{"speaker":"Alyssa Davies","startTime":2364.45,"endTime":2367.3,"body":"she felt a lot more attachment"},{"speaker":"Alyssa Davies","startTime":2367.3,"endTime":2369.85,"body":"to the goal, rather than just"},{"speaker":"Alyssa Davies","startTime":2367.3,"endTime":2369.85,"body":"saying, Yeah, I should do it by"},{"speaker":"Alyssa Davies","startTime":2369.85,"endTime":2371.74,"body":"this date. And I'm just going to"},{"speaker":"Alyssa Davies","startTime":2369.85,"endTime":2371.74,"body":"set up my automatic"},{"speaker":"Alyssa Davies","startTime":2371.77,"endTime":2375.4,"body":"contributions. It's more like,"},{"speaker":"Alyssa Davies","startTime":2371.77,"endTime":2375.4,"body":"okay, like, this is really"},{"speaker":"Alyssa Davies","startTime":2375.4,"endTime":2378.73,"body":"important to me, and I need to"},{"speaker":"Alyssa Davies","startTime":2375.4,"endTime":2378.73,"body":"stay on top of it. And I want to"},{"speaker":"Alyssa Davies","startTime":2378.73,"endTime":2380.23,"body":"see what's happening with my"},{"speaker":"Alyssa Davies","startTime":2378.73,"endTime":2380.23,"body":"money."},{"speaker":"Preet Banerjee","startTime":2380.59,"endTime":2382.96,"body":"Amazing. So how"},{"speaker":"Preet Banerjee","startTime":2380.59,"endTime":2382.96,"body":"much does it cost them? Where"},{"speaker":"Preet Banerjee","startTime":2382.96,"endTime":2384.22,"body":"can people get this book?"},{"speaker":"Alyssa Davies","startTime":2384.55,"endTime":2387.91,"body":"Yes, it's 2450"},{"speaker":"Alyssa Davies","startTime":2384.55,"endTime":2387.91,"body":"Canadian, and you can get at any"},{"speaker":"Alyssa Davies","startTime":2387.94,"endTime":2391.6,"body":"major retailers. So like indigo,"},{"speaker":"Alyssa Davies","startTime":2387.94,"endTime":2391.6,"body":"Amazon, all those good places."},{"speaker":"Preet Banerjee","startTime":2391.96,"endTime":2394.84,"body":"Perfect. And"},{"speaker":"Preet Banerjee","startTime":2391.96,"endTime":2394.84,"body":"that's the 100 day financial"},{"speaker":"Preet Banerjee","startTime":2394.84,"endTime":2397.66,"body":"goal journal. I'll put that in"},{"speaker":"Preet Banerjee","startTime":2394.84,"endTime":2397.66,"body":"the show notes and I'll put a"},{"speaker":"Preet Banerjee","startTime":2397.66,"endTime":2400.51,"body":"link so if people want to buy"},{"speaker":"Preet Banerjee","startTime":2397.66,"endTime":2400.51,"body":"the book, you can do that. And"},{"speaker":"Preet Banerjee","startTime":2400.51,"endTime":2404.41,"body":"then the last thing, there's two"},{"speaker":"Preet Banerjee","startTime":2400.51,"endTime":2404.41,"body":"things I want to talk to you"},{"speaker":"Preet Banerjee","startTime":2404.41,"endTime":2407.29,"body":"about that I thought were really"},{"speaker":"Preet Banerjee","startTime":2404.41,"endTime":2407.29,"body":"interesting posts that you had"},{"speaker":"Preet Banerjee","startTime":2407.29,"endTime":2410.14,"body":"on your blog, one of them was"},{"speaker":"Preet Banerjee","startTime":2407.29,"endTime":2410.14,"body":"your household emergency kit."},{"speaker":"Preet Banerjee","startTime":2410.53,"endTime":2413.41,"body":"And this is one of those things"},{"speaker":"Preet Banerjee","startTime":2410.53,"endTime":2413.41,"body":"that I think a lot of people"},{"speaker":"Preet Banerjee","startTime":2413.41,"endTime":2416.74,"body":"say, yeah, that's such a great"},{"speaker":"Preet Banerjee","startTime":2413.41,"endTime":2416.74,"body":"idea. But they don't actually"},{"speaker":"Preet Banerjee","startTime":2416.74,"endTime":2420.46,"body":"have these plans in place. So"},{"speaker":"Preet Banerjee","startTime":2416.74,"endTime":2420.46,"body":"can you talk about what is in"},{"speaker":"Preet Banerjee","startTime":2420.46,"endTime":2423.58,"body":"your household emergency kit?"},{"speaker":"Alyssa Davies","startTime":2423.939,"endTime":2428.079,"body":"Yeah, I am that"},{"speaker":"Alyssa Davies","startTime":2423.939,"endTime":2428.079,"body":"crazy anxious person that is"},{"speaker":"Alyssa Davies","startTime":2428.079,"endTime":2430.329,"body":"always looking for a way to be"},{"speaker":"Alyssa Davies","startTime":2428.079,"endTime":2430.329,"body":"over prepared. So I had a"},{"speaker":"Alyssa Davies","startTime":2430.419,"endTime":2433.299,"body":"nightmare about our house"},{"speaker":"Alyssa Davies","startTime":2430.419,"endTime":2433.299,"body":"catching on fire. And the next"},{"speaker":"Alyssa Davies","startTime":2433.299,"endTime":2437.379,"body":"day, I started putting up"},{"speaker":"Alyssa Davies","startTime":2433.299,"endTime":2437.379,"body":"putting together my kit. But"},{"speaker":"Alyssa Davies","startTime":2437.379,"endTime":2440.409,"body":"essentially, I just have the"},{"speaker":"Alyssa Davies","startTime":2437.379,"endTime":2440.409,"body":"basics for if you'd need to run"},{"speaker":"Alyssa Davies","startTime":2440.409,"endTime":2443.469,"body":"out of your house really quick"},{"speaker":"Alyssa Davies","startTime":2440.409,"endTime":2443.469,"body":"to evacuate, say, so I have like"},{"speaker":"Alyssa Davies","startTime":2443.499,"endTime":2447.879,"body":"a blanket. Some cash, I always"},{"speaker":"Alyssa Davies","startTime":2443.499,"endTime":2447.879,"body":"keep like $40, or enough to"},{"speaker":"Alyssa Davies","startTime":2447.879,"endTime":2451.239,"body":"cover a tank of gas, like War of"},{"speaker":"Alyssa Davies","startTime":2447.879,"endTime":2451.239,"body":"the Worlds when you just you're"},{"speaker":"Alyssa Davies","startTime":2451.239,"endTime":2455.469,"body":"trying you're the only person"},{"speaker":"Alyssa Davies","startTime":2451.239,"endTime":2455.469,"body":"with a vehicle with gas. I have"},{"speaker":"Alyssa Davies","startTime":2455.469,"endTime":2460.209,"body":"just a small emergency kit in"},{"speaker":"Alyssa Davies","startTime":2455.469,"endTime":2460.209,"body":"there. And so in the emergency"},{"speaker":"Alyssa Davies","startTime":2460.209,"endTime":2462.639,"body":"kit, like you talk about, like"},{"speaker":"Alyssa Davies","startTime":2460.209,"endTime":2462.639,"body":"physical emergencies, like band"},{"speaker":"Alyssa Davies","startTime":2462.639,"endTime":2464.289,"body":"aids, and oh, yeah, first aid"},{"speaker":"Alyssa Davies","startTime":2462.639,"endTime":2464.289,"body":"kit."},{"speaker":"Preet Banerjee","startTime":2465.94,"endTime":2468.22,"body":"First Aid Kit,"},{"speaker":"Preet Banerjee","startTime":2465.94,"endTime":2468.22,"body":"my emergency kit, one of the"},{"speaker":"Preet Banerjee","startTime":2468.22,"endTime":2469.96,"body":"things is an emergency kit,"},{"speaker":"Alyssa Davies","startTime":2470.08,"endTime":2472.96,"body":"I always do that"},{"speaker":"Alyssa Davies","startTime":2470.08,"endTime":2472.96,"body":"a first aid kit with band aids."},{"speaker":"Preet Banerjee","startTime":2474.55,"endTime":2475.21,"body":"No, I get it."},{"speaker":"Alyssa Davies","startTime":2476.2,"endTime":2477.82,"body":"And then it just"},{"speaker":"Alyssa Davies","startTime":2476.2,"endTime":2477.82,"body":"like a spare change of clothes"},{"speaker":"Alyssa Davies","startTime":2477.82,"endTime":2481.36,"body":"for everyone. And then obviously"},{"speaker":"Alyssa Davies","startTime":2477.82,"endTime":2481.36,"body":"now some personal protective"},{"speaker":"Alyssa Davies","startTime":2481.36,"endTime":2484.42,"body":"equipment like masks and gloves"},{"speaker":"Alyssa Davies","startTime":2481.36,"endTime":2484.42,"body":"and right, and all that I"},{"speaker":"Preet Banerjee","startTime":2484.42,"endTime":2487.21,"body":"just added in"},{"speaker":"Preet Banerjee","startTime":2484.42,"endTime":2487.21,"body":"there. And what would be the"},{"speaker":"Preet Banerjee","startTime":2487.21,"endTime":2490.45,"body":"cost of putting together a"},{"speaker":"Preet Banerjee","startTime":2487.21,"endTime":2490.45,"body":"household emergency kit."},{"speaker":"Alyssa Davies","startTime":2490.72,"endTime":2492.49,"body":"Honestly, it"},{"speaker":"Alyssa Davies","startTime":2490.72,"endTime":2492.49,"body":"didn't cost me very much because"},{"speaker":"Alyssa Davies","startTime":2492.49,"endTime":2495.61,"body":"I already had a lot of the items"},{"speaker":"Alyssa Davies","startTime":2492.49,"endTime":2495.61,"body":"around my house. The only thing"},{"speaker":"Alyssa Davies","startTime":2495.61,"endTime":2499.24,"body":"I bought was a first aid kit was"},{"speaker":"Alyssa Davies","startTime":2495.61,"endTime":2499.24,"body":"$25. I just picked one up at"},{"speaker":"Alyssa Davies","startTime":2499.24,"endTime":2502.27,"body":"like shoppers I think it was and"},{"speaker":"Alyssa Davies","startTime":2499.24,"endTime":2502.27,"body":"yeah, I just tossed it in there"},{"speaker":"Alyssa Davies","startTime":2502.27,"endTime":2505.0,"body":"like it's it doesn't have to be"},{"speaker":"Alyssa Davies","startTime":2502.27,"endTime":2505.0,"body":"crazy expensive. You You have a"},{"speaker":"Alyssa Davies","startTime":2505.0,"endTime":2507.25,"body":"blanket I'm sure that you don't"},{"speaker":"Alyssa Davies","startTime":2505.0,"endTime":2507.25,"body":"really use regularly just shove"},{"speaker":"Alyssa Davies","startTime":2507.25,"endTime":2511.63,"body":"it in an old backpack. I picked"},{"speaker":"Alyssa Davies","startTime":2507.25,"endTime":2511.63,"body":"up some water for like $2 like"},{"speaker":"Alyssa Davies","startTime":2511.63,"endTime":2515.08,"body":"one of those big four liter"},{"speaker":"Alyssa Davies","startTime":2511.63,"endTime":2515.08,"body":"jugs. Yeah, it wasn't it wasn't"},{"speaker":"Alyssa Davies","startTime":2515.08,"endTime":2515.98,"body":"expensive at all."},{"speaker":"Preet Banerjee","startTime":2516.34,"endTime":2518.2,"body":"So you're not"},{"speaker":"Preet Banerjee","startTime":2516.34,"endTime":2518.2,"body":"like one of those like"},{"speaker":"Preet Banerjee","startTime":2518.23,"endTime":2521.5,"body":"survivalists who have like a"},{"speaker":"Preet Banerjee","startTime":2518.23,"endTime":2521.5,"body":"bunker and you'd like paid"},{"speaker":"Preet Banerjee","startTime":2521.5,"endTime":2524.08,"body":"someone to like pour concrete."},{"speaker":"Preet Banerjee","startTime":2521.5,"endTime":2524.08,"body":"And it's like under the"},{"speaker":"Preet Banerjee","startTime":2524.08,"endTime":2526.63,"body":"foundation of your house. And"},{"speaker":"Preet Banerjee","startTime":2524.08,"endTime":2526.63,"body":"you could live there for like"},{"speaker":"Preet Banerjee","startTime":2526.63,"endTime":2530.2,"body":"two years with non perishable"},{"speaker":"Preet Banerjee","startTime":2526.63,"endTime":2530.2,"body":"food stocked in like this"},{"speaker":"Preet Banerjee","startTime":2530.2,"endTime":2534.04,"body":"dungeon or anything. This is"},{"speaker":"Preet Banerjee","startTime":2530.2,"endTime":2534.04,"body":"like a typical average person's"},{"speaker":"Preet Banerjee","startTime":2534.07,"endTime":2535.12,"body":"emergency kit, right?"},{"speaker":"Alyssa Davies","startTime":2535.15,"endTime":2538.45,"body":"Yes, it's not a"},{"speaker":"Alyssa Davies","startTime":2535.15,"endTime":2538.45,"body":"doomsday prepper. But I do have"},{"speaker":"Alyssa Davies","startTime":2538.45,"endTime":2539.95,"body":"those irrational fears."},{"speaker":"Preet Banerjee","startTime":2540.37,"endTime":2543.04,"body":"Do you know"},{"speaker":"Preet Banerjee","startTime":2540.37,"endTime":2543.04,"body":"anyone like that? No, actually,"},{"speaker":"Preet Banerjee","startTime":2543.04,"endTime":2543.16,"body":"I"},{"speaker":"Alyssa Davies","startTime":2543.16,"endTime":2544.81,"body":"don't. But"},{"speaker":"Alyssa Davies","startTime":2543.16,"endTime":2544.81,"body":"actually, Bridget talked about"},{"speaker":"Alyssa Davies","startTime":2544.81,"endTime":2548.53,"body":"how her parents always had like"},{"speaker":"Alyssa Davies","startTime":2544.81,"endTime":2548.53,"body":"three months of food in their"},{"speaker":"Alyssa Davies","startTime":2548.53,"endTime":2549.13,"body":"basement."},{"speaker":"Preet Banerjee","startTime":2549.55,"endTime":2550.3,"body":"Oh, wow."},{"speaker":"Alyssa Davies","startTime":2550.45,"endTime":2553.03,"body":"So there's still"},{"speaker":"Alyssa Davies","startTime":2550.45,"endTime":2553.03,"body":"a lot of people like that. Yeah,"},{"speaker":"Preet Banerjee","startTime":2553.06,"endTime":2554.89,"body":"yeah. And you"},{"speaker":"Preet Banerjee","startTime":2553.06,"endTime":2554.89,"body":"know, we make fun of them now."},{"speaker":"Preet Banerjee","startTime":2554.89,"endTime":2557.35,"body":"But if something ever happened,"},{"speaker":"Preet Banerjee","startTime":2554.89,"endTime":2557.35,"body":"we're like, yeah, you know, they"},{"speaker":"Preet Banerjee","startTime":2557.35,"endTime":2560.23,"body":"were smart. After all. Yeah,"},{"speaker":"Preet Banerjee","startTime":2557.35,"endTime":2560.23,"body":"exactly. Okay, so that's good."},{"speaker":"Preet Banerjee","startTime":2560.23,"endTime":2562.24,"body":"Because I think that is"},{"speaker":"Preet Banerjee","startTime":2560.23,"endTime":2562.24,"body":"something that, you know, a lot"},{"speaker":"Preet Banerjee","startTime":2562.24,"endTime":2565.0,"body":"of people say, Oh, yeah, that"},{"speaker":"Preet Banerjee","startTime":2562.24,"endTime":2565.0,"body":"makes total common sense. But"},{"speaker":"Preet Banerjee","startTime":2565.0,"endTime":2569.44,"body":"they don't have it put in place."},{"speaker":"Preet Banerjee","startTime":2565.0,"endTime":2569.44,"body":"Now, in your car, do you have"},{"speaker":"Preet Banerjee","startTime":2569.44,"endTime":2571.66,"body":"something like that as well?"},{"speaker":"Preet Banerjee","startTime":2569.44,"endTime":2571.66,"body":"Like if you get stranded"},{"speaker":"Preet Banerjee","startTime":2571.66,"endTime":2575.86,"body":"because, like, I'm not saying"},{"speaker":"Preet Banerjee","startTime":2571.66,"endTime":2575.86,"body":"that, you know, all of Alberta"},{"speaker":"Preet Banerjee","startTime":2575.86,"endTime":2580.0,"body":"is like the wilderness. But for"},{"speaker":"Preet Banerjee","startTime":2575.86,"endTime":2580.0,"body":"a city boy in Toronto. You know,"},{"speaker":"Preet Banerjee","startTime":2580.03,"endTime":2583.27,"body":"even Calgary is like, you know,"},{"speaker":"Preet Banerjee","startTime":2580.03,"endTime":2583.27,"body":"great. Now you can drive"},{"speaker":"Preet Banerjee","startTime":2583.27,"endTime":2587.68,"body":"somewhere. You drive somewhere."},{"speaker":"Preet Banerjee","startTime":2583.27,"endTime":2587.68,"body":"And you know, you could be far"},{"speaker":"Preet Banerjee","startTime":2587.68,"endTime":2590.26,"body":"away from civilization in like,"},{"speaker":"Preet Banerjee","startTime":2587.68,"endTime":2590.26,"body":"30 minutes, right? Oh, yeah."},{"speaker":"Alyssa Davies","startTime":2590.29,"endTime":2593.11,"body":"I grew up in the"},{"speaker":"Alyssa Davies","startTime":2590.29,"endTime":2593.11,"body":"country. So yeah, yeah, I always"},{"speaker":"Alyssa Davies","startTime":2593.11,"endTime":2596.86,"body":"have like, my trunk is full of"},{"speaker":"Alyssa Davies","startTime":2593.11,"endTime":2596.86,"body":"stuff that I'll never need. But"},{"speaker":"Alyssa Davies","startTime":2596.86,"endTime":2598.78,"body":"it's there. Like I have a full"},{"speaker":"Alyssa Davies","startTime":2596.86,"endTime":2598.78,"body":"snow suit."},{"speaker":"Preet Banerjee","startTime":2599.98,"endTime":2600.76,"body":"Extra boots."},{"speaker":"Alyssa Davies","startTime":2601.18,"endTime":2603.19,"body":"I'm like, What if"},{"speaker":"Alyssa Davies","startTime":2601.18,"endTime":2603.19,"body":"I get stuck, and I need to layer"},{"speaker":"Alyssa Davies","startTime":2603.19,"endTime":2606.73,"body":"up? Yeah, all that kind of"},{"speaker":"Alyssa Davies","startTime":2603.19,"endTime":2606.73,"body":"stuff. Everything that like for"},{"speaker":"Alyssa Davies","startTime":2606.76,"endTime":2609.22,"body":"to jump your car? I have all"},{"speaker":"Alyssa Davies","startTime":2606.76,"endTime":2609.22,"body":"that stuff. I don't know how to"},{"speaker":"Alyssa Davies","startTime":2609.22,"endTime":2610.15,"body":"use it, but it's there."},{"speaker":"Preet Banerjee","startTime":2612.22,"endTime":2613.99,"body":"But what if you"},{"speaker":"Preet Banerjee","startTime":2612.22,"endTime":2613.99,"body":"run out of power on your phone"},{"speaker":"Preet Banerjee","startTime":2613.99,"endTime":2616.12,"body":"tune? You can't Google like,"},{"speaker":"Preet Banerjee","startTime":2613.99,"endTime":2616.12,"body":"Well, how do I actually use"},{"speaker":"Preet Banerjee","startTime":2616.12,"endTime":2619.33,"body":"this? This charged battery to"},{"speaker":"Preet Banerjee","startTime":2616.12,"endTime":2619.33,"body":"jump my car? like you'd be kind"},{"speaker":"Preet Banerjee","startTime":2619.33,"endTime":2622.15,"body":"of screwed. But yeah, I guess"},{"speaker":"Preet Banerjee","startTime":2619.33,"endTime":2622.15,"body":"you're more prepared than the"},{"speaker":"Preet Banerjee","startTime":2622.15,"endTime":2623.17,"body":"average person. So"},{"speaker":"Alyssa Davies","startTime":2623.2,"endTime":2624.73,"body":"yeah, I've got"},{"speaker":"Alyssa Davies","startTime":2623.2,"endTime":2624.73,"body":"that going for me."},{"speaker":"Preet Banerjee","startTime":2625.0,"endTime":2627.07,"body":"Excellent. All"},{"speaker":"Preet Banerjee","startTime":2625.0,"endTime":2627.07,"body":"right. And so there's that post"},{"speaker":"Preet Banerjee","startTime":2627.07,"endTime":2629.92,"body":"on your website. So I recommend"},{"speaker":"Preet Banerjee","startTime":2627.07,"endTime":2629.92,"body":"to people. If you don't have"},{"speaker":"Preet Banerjee","startTime":2629.92,"endTime":2632.77,"body":"your household emergency kit,"},{"speaker":"Preet Banerjee","startTime":2629.92,"endTime":2632.77,"body":"it's probably a good idea. So"},{"speaker":"Preet Banerjee","startTime":2632.83,"endTime":2636.49,"body":"check out Alyssa site, check out"},{"speaker":"Preet Banerjee","startTime":2632.83,"endTime":2636.49,"body":"that post and get your household"},{"speaker":"Preet Banerjee","startTime":2636.49,"endTime":2637.75,"body":"emergency kit put together."},{"speaker":"Alyssa Davies","startTime":2637.87,"endTime":2639.82,"body":"Yeah. And I have"},{"speaker":"Alyssa Davies","startTime":2637.87,"endTime":2639.82,"body":"a free printable, too, that you"},{"speaker":"Alyssa Davies","startTime":2639.82,"endTime":2642.58,"body":"can download. It's like your"},{"speaker":"Alyssa Davies","startTime":2639.82,"endTime":2642.58,"body":"vacuum, a vacuum checklist and"},{"speaker":"Alyssa Davies","startTime":2642.58,"endTime":2643.33,"body":"all that good stuff."},{"speaker":"Preet Banerjee","startTime":2643.39,"endTime":2645.7,"body":"Of course you do"},{"speaker":"Preet Banerjee","startTime":2643.39,"endTime":2645.7,"body":"that is super prepared. That's"},{"speaker":"Preet Banerjee","startTime":2645.7,"endTime":2649.9,"body":"awesome. The last one I want to"},{"speaker":"Preet Banerjee","startTime":2645.7,"endTime":2649.9,"body":"talk to you about because I"},{"speaker":"Preet Banerjee","startTime":2649.9,"endTime":2652.57,"body":"think this is something that"},{"speaker":"Preet Banerjee","startTime":2649.9,"endTime":2652.57,"body":"everyone could benefit from"},{"speaker":"Preet Banerjee","startTime":2652.75,"endTime":2656.71,"body":"right away. Is you talked about"},{"speaker":"Preet Banerjee","startTime":2652.75,"endTime":2656.71,"body":"and I think you went into detail"},{"speaker":"Preet Banerjee","startTime":2656.74,"endTime":2660.7,"body":"on this on your Instagram"},{"speaker":"Preet Banerjee","startTime":2656.74,"endTime":2660.7,"body":"stories. But it was about how"},{"speaker":"Preet Banerjee","startTime":2660.7,"endTime":2664.51,"body":"you, you know, spent a day or"},{"speaker":"Preet Banerjee","startTime":2660.7,"endTime":2664.51,"body":"two and negotiated some of your"},{"speaker":"Preet Banerjee","startTime":2664.54,"endTime":2667.93,"body":"monthly bills. And I think I"},{"speaker":"Preet Banerjee","startTime":2664.54,"endTime":2667.93,"body":"think also you found like, your"},{"speaker":"Preet Banerjee","startTime":2667.93,"endTime":2670.75,"body":"husband was able to get work to"},{"speaker":"Preet Banerjee","startTime":2667.93,"endTime":2670.75,"body":"pay for certain things. So can"},{"speaker":"Preet Banerjee","startTime":2670.75,"endTime":2674.11,"body":"you just talk about, you know"},{"speaker":"Preet Banerjee","startTime":2670.75,"endTime":2674.11,"body":"how spending a little bit of"},{"speaker":"Preet Banerjee","startTime":2674.11,"endTime":2677.17,"body":"time even just like once a year"},{"speaker":"Preet Banerjee","startTime":2674.11,"endTime":2677.17,"body":"to like to audit your"},{"speaker":"Preet Banerjee","startTime":2677.17,"endTime":2680.05,"body":"subscriptions. Take a look at"},{"speaker":"Preet Banerjee","startTime":2677.17,"endTime":2680.05,"body":"your monthly bills, how it can"},{"speaker":"Preet Banerjee","startTime":2680.05,"endTime":2682.09,"body":"have a really big impact on your"},{"speaker":"Preet Banerjee","startTime":2680.05,"endTime":2682.09,"body":"cash flow."},{"speaker":"Alyssa Davies","startTime":2682.39,"endTime":2685.63,"body":"Yeah, we actually"},{"speaker":"Alyssa Davies","startTime":2682.39,"endTime":2685.63,"body":"ended up we're saving $1,000 a"},{"speaker":"Alyssa Davies","startTime":2685.63,"endTime":2688.84,"body":"year. Holy smokes. Yeah, it was"},{"speaker":"Alyssa Davies","startTime":2685.63,"endTime":2688.84,"body":"crazy. Like we were definitely"},{"speaker":"Alyssa Davies","startTime":2688.84,"endTime":2692.62,"body":"overpaying. So that's that might"},{"speaker":"Alyssa Davies","startTime":2688.84,"endTime":2692.62,"body":"be an inflated number. But yeah,"},{"speaker":"Alyssa Davies","startTime":2692.62,"endTime":2695.26,"body":"it was like two hours that my"},{"speaker":"Alyssa Davies","startTime":2692.62,"endTime":2695.26,"body":"husband's been on the phone and"},{"speaker":"Alyssa Davies","startTime":2695.26,"endTime":2699.88,"body":"I was not willing to do it. But"},{"speaker":"Alyssa Davies","startTime":2695.26,"endTime":2699.88,"body":"thank God one of us does. Yeah,"},{"speaker":"Alyssa Davies","startTime":2699.88,"endTime":2703.12,"body":"we Paying almost $300 for our"},{"speaker":"Alyssa Davies","startTime":2699.88,"endTime":2703.12,"body":"cell phone bill, which was so"},{"speaker":"Alyssa Davies","startTime":2703.12,"endTime":2706.66,"body":"excessive. And then we were also"},{"speaker":"Alyssa Davies","startTime":2703.12,"endTime":2706.66,"body":"paying $130 for cable and"},{"speaker":"Alyssa Davies","startTime":2706.66,"endTime":2709.42,"body":"internet, our internet was"},{"speaker":"Alyssa Davies","startTime":2706.66,"endTime":2709.42,"body":"terrible. And we watched cable"},{"speaker":"Alyssa Davies","startTime":2709.42,"endTime":2713.11,"body":"maybe once a week, so it wasn't"},{"speaker":"Alyssa Davies","startTime":2709.42,"endTime":2713.11,"body":"really worth it. So yeah, we"},{"speaker":"Alyssa Davies","startTime":2713.11,"endTime":2716.5,"body":"called in. And we just didn't"},{"speaker":"Alyssa Davies","startTime":2713.11,"endTime":2716.5,"body":"waste any time. We were like,"},{"speaker":"Alyssa Davies","startTime":2716.5,"endTime":2720.19,"body":"yeah, we're gonna cancel our"},{"speaker":"Alyssa Davies","startTime":2716.5,"endTime":2720.19,"body":"services today, because we"},{"speaker":"Alyssa Davies","startTime":2720.19,"endTime":2723.76,"body":"looked online, and we found a"},{"speaker":"Alyssa Davies","startTime":2720.19,"endTime":2723.76,"body":"better deal elsewhere. So that"},{"speaker":"Alyssa Davies","startTime":2723.76,"endTime":2726.97,"body":"was for cable and internet. And"},{"speaker":"Alyssa Davies","startTime":2723.76,"endTime":2726.97,"body":"they were willing to like try"},{"speaker":"Alyssa Davies","startTime":2726.97,"endTime":2729.97,"body":"and do anything to keep us but"},{"speaker":"Alyssa Davies","startTime":2726.97,"endTime":2729.97,"body":"we were already ready to, to cut"},{"speaker":"Alyssa Davies","startTime":2729.97,"endTime":2732.58,"body":"ties there. So we just were more"},{"speaker":"Alyssa Davies","startTime":2729.97,"endTime":2732.58,"body":"concerned about cancellation"},{"speaker":"Alyssa Davies","startTime":2732.58,"endTime":2736.42,"body":"fees, because we'd already done"},{"speaker":"Alyssa Davies","startTime":2732.58,"endTime":2736.42,"body":"the research. So that saved us a"},{"speaker":"Alyssa Davies","startTime":2736.42,"endTime":2740.26,"body":"lot of time. And now we just pay"},{"speaker":"Alyssa Davies","startTime":2736.42,"endTime":2740.26,"body":"$90 a month for internet like"},{"speaker":"Alyssa Davies","startTime":2740.26,"endTime":2742.96,"body":"way better internet, but it's"},{"speaker":"Alyssa Davies","startTime":2740.26,"endTime":2742.96,"body":"still less and we just dropped"},{"speaker":"Alyssa Davies","startTime":2742.96,"endTime":2746.14,"body":"cable because we don't use it."},{"speaker":"Alyssa Davies","startTime":2742.96,"endTime":2746.14,"body":"But the cell phone was the one"},{"speaker":"Alyssa Davies","startTime":2746.14,"endTime":2750.64,"body":"that was the real good"},{"speaker":"Alyssa Davies","startTime":2746.14,"endTime":2750.64,"body":"negotiation. One we we just"},{"speaker":"Alyssa Davies","startTime":2750.64,"endTime":2753.34,"body":"asked what we could do. We'd"},{"speaker":"Alyssa Davies","startTime":2750.64,"endTime":2753.34,"body":"been clients with our provider"},{"speaker":"Alyssa Davies","startTime":2753.34,"endTime":2756.79,"body":"for seven years. So we had that"},{"speaker":"Alyssa Davies","startTime":2753.34,"endTime":2756.79,"body":"in our back pocket loyalty is"},{"speaker":"Alyssa Davies","startTime":2756.79,"endTime":2760.33,"body":"still a big thing. It might not"},{"speaker":"Alyssa Davies","startTime":2756.79,"endTime":2760.33,"body":"seem like it is. We were very"},{"speaker":"Alyssa Davies","startTime":2760.33,"endTime":2763.81,"body":"nice, which also gets you ahead."},{"speaker":"Alyssa Davies","startTime":2760.33,"endTime":2763.81,"body":"Don't be mean to customer"},{"speaker":"Alyssa Davies","startTime":2763.81,"endTime":2764.92,"body":"service agents, please."},{"speaker":"Preet Banerjee","startTime":2764.95,"endTime":2766.69,"body":"Very good. Very"},{"speaker":"Preet Banerjee","startTime":2764.95,"endTime":2766.69,"body":"good tip."},{"speaker":"Alyssa Davies","startTime":2766.93,"endTime":2769.33,"body":"Yes. And we just"},{"speaker":"Alyssa Davies","startTime":2766.93,"endTime":2769.33,"body":"asked, you know, what can you"},{"speaker":"Alyssa Davies","startTime":2769.39,"endTime":2772.63,"body":"What can we do? This seems like"},{"speaker":"Alyssa Davies","startTime":2769.39,"endTime":2772.63,"body":"a bit high. We we've been"},{"speaker":"Alyssa Davies","startTime":2772.63,"endTime":2776.5,"body":"looking around and this, this"},{"speaker":"Alyssa Davies","startTime":2772.63,"endTime":2776.5,"body":"doesn't seem really accurate. So"},{"speaker":"Alyssa Davies","startTime":2776.5,"endTime":2781.0,"body":"yeah, we we ended up getting our"},{"speaker":"Alyssa Davies","startTime":2776.5,"endTime":2781.0,"body":"cell phone bill down from 300 to"},{"speaker":"Alyssa Davies","startTime":2781.0,"endTime":2785.5,"body":"$125 a month, they gave us"},{"speaker":"Alyssa Davies","startTime":2781.0,"endTime":2785.5,"body":"unlimited data, which was a huge"},{"speaker":"Alyssa Davies","startTime":2785.5,"endTime":2789.07,"body":"reason for our bill being so"},{"speaker":"Alyssa Davies","startTime":2785.5,"endTime":2789.07,"body":"high. We probably lucked out"},{"speaker":"Alyssa Davies","startTime":2789.07,"endTime":2793.45,"body":"because we got a really awesome"},{"speaker":"Alyssa Davies","startTime":2789.07,"endTime":2793.45,"body":"agent. But it's sometimes just"},{"speaker":"Alyssa Davies","startTime":2793.45,"endTime":2796.27,"body":"that the luck of the draw. I"},{"speaker":"Alyssa Davies","startTime":2793.45,"endTime":2796.27,"body":"never say you have to stay on"},{"speaker":"Alyssa Davies","startTime":2796.27,"endTime":2798.61,"body":"the phone like callback, maybe"},{"speaker":"Alyssa Davies","startTime":2796.27,"endTime":2798.61,"body":"you'll get someone better next"},{"speaker":"Alyssa Davies","startTime":2798.61,"endTime":2801.61,"body":"time. Because everyone's"},{"speaker":"Alyssa Davies","startTime":2798.61,"endTime":2801.61,"body":"different. And everyone's in a"},{"speaker":"Alyssa Davies","startTime":2801.61,"endTime":2805.18,"body":"different mood every day. But"},{"speaker":"Alyssa Davies","startTime":2801.61,"endTime":2805.18,"body":"yeah, and then my husband"},{"speaker":"Alyssa Davies","startTime":2805.18,"endTime":2809.38,"body":"actually was able to negotiate"},{"speaker":"Alyssa Davies","startTime":2805.18,"endTime":2809.38,"body":"an $80 credit each month from"},{"speaker":"Alyssa Davies","startTime":2809.38,"endTime":2812.53,"body":"his work to pay for his phone"},{"speaker":"Alyssa Davies","startTime":2809.38,"endTime":2812.53,"body":"bill. So we're paying like very,"},{"speaker":"Alyssa Davies","startTime":2812.53,"endTime":2814.84,"body":"very, very little for our cell"},{"speaker":"Alyssa Davies","startTime":2812.53,"endTime":2814.84,"body":"phone bill compared to what we"},{"speaker":"Alyssa Davies","startTime":2814.84,"endTime":2817.54,"body":"were paying before. And then it"},{"speaker":"Alyssa Davies","startTime":2814.84,"endTime":2817.54,"body":"was just an ask."},{"speaker":"Preet Banerjee","startTime":2818.26,"endTime":2820.03,"body":"Yeah. And so"},{"speaker":"Preet Banerjee","startTime":2818.26,"endTime":2820.03,"body":"this was just a couple hours of"},{"speaker":"Preet Banerjee","startTime":2820.03,"endTime":2823.6,"body":"your time. And you were able to"},{"speaker":"Preet Banerjee","startTime":2820.03,"endTime":2823.6,"body":"find an extra $1,000 in cash"},{"speaker":"Preet Banerjee","startTime":2823.6,"endTime":2824.29,"body":"flow for the year."},{"speaker":"Alyssa Davies","startTime":2824.41,"endTime":2825.52,"body":"Yeah, exactly."},{"speaker":"Preet Banerjee","startTime":2825.76,"endTime":2828.1,"body":"So now here's"},{"speaker":"Preet Banerjee","startTime":2825.76,"endTime":2828.1,"body":"the follow up question. What do"},{"speaker":"Preet Banerjee","startTime":2828.1,"endTime":2831.64,"body":"you do with it freed up $1,000"},{"speaker":"Preet Banerjee","startTime":2828.1,"endTime":2831.64,"body":"per year? Oh, man, we"},{"speaker":"Alyssa Davies","startTime":2831.64,"endTime":2834.82,"body":"invest it either"},{"speaker":"Alyssa Davies","startTime":2831.64,"endTime":2834.82,"body":"in our daughter's RSP or"},{"speaker":"Alyssa Davies","startTime":2835.0,"endTime":2838.21,"body":"investment. I'm the most boring"},{"speaker":"Alyssa Davies","startTime":2835.0,"endTime":2838.21,"body":"person. And I will always have"},{"speaker":"Alyssa Davies","startTime":2838.21,"endTime":2839.29,"body":"that. For me. That's"},{"speaker":"Preet Banerjee","startTime":2839.29,"endTime":2841.3,"body":"an exciting"},{"speaker":"Preet Banerjee","startTime":2839.29,"endTime":2841.3,"body":"answer. I'm like a horse. That's"},{"speaker":"Preet Banerjee","startTime":2841.3,"endTime":2845.23,"body":"like the default. Do you know"},{"speaker":"Preet Banerjee","startTime":2841.3,"endTime":2845.23,"body":"us? At least part of it towards"},{"speaker":"Preet Banerjee","startTime":2845.23,"endTime":2848.71,"body":"something productive? But are"},{"speaker":"Preet Banerjee","startTime":2845.23,"endTime":2848.71,"body":"you saying that not a single"},{"speaker":"Preet Banerjee","startTime":2848.71,"endTime":2852.76,"body":"penny of that $1,000 freed up"},{"speaker":"Preet Banerjee","startTime":2848.71,"endTime":2852.76,"body":"was put towards anything"},{"speaker":"Preet Banerjee","startTime":2852.76,"endTime":2853.45,"body":"frivolous?"},{"speaker":"Alyssa Davies","startTime":2853.84,"endTime":2855.07,"body":"No, none of it?"},{"speaker":"Preet Banerjee","startTime":2855.31,"endTime":2855.73,"body":"Wow."},{"speaker":"Alyssa Davies","startTime":2855.76,"endTime":2858.55,"body":"My favorite story"},{"speaker":"Alyssa Davies","startTime":2855.76,"endTime":2858.55,"body":"is this is probably the last"},{"speaker":"Alyssa Davies","startTime":2858.55,"endTime":2861.04,"body":"story I'll tell because it's the"},{"speaker":"Alyssa Davies","startTime":2858.55,"endTime":2861.04,"body":"kicker."},{"speaker":"Preet Banerjee","startTime":2861.4,"endTime":2864.01,"body":"Okay, well,"},{"speaker":"Preet Banerjee","startTime":2861.4,"endTime":2864.01,"body":"that's a good setup. But"},{"speaker":"Alyssa Davies","startTime":2864.01,"endTime":2867.85,"body":"I was living in"},{"speaker":"Alyssa Davies","startTime":2864.01,"endTime":2867.85,"body":"Fort McMurray for two years. It"},{"speaker":"Alyssa Davies","startTime":2867.85,"endTime":2871.12,"body":"was an interesting place to live"},{"speaker":"Alyssa Davies","startTime":2867.85,"endTime":2871.12,"body":"very, very money focused city."},{"speaker":"Alyssa Davies","startTime":2872.11,"endTime":2876.07,"body":"And so I went to a gala event"},{"speaker":"Alyssa Davies","startTime":2872.11,"endTime":2876.07,"body":"there. It's one of the biggest"},{"speaker":"Alyssa Davies","startTime":2876.07,"endTime":2881.98,"body":"events they have there at the"},{"speaker":"Alyssa Davies","startTime":2876.07,"endTime":2881.98,"body":"college. And I, I was not making"},{"speaker":"Alyssa Davies","startTime":2881.98,"endTime":2885.31,"body":"very much money at the time. But"},{"speaker":"Alyssa Davies","startTime":2881.98,"endTime":2885.31,"body":"because I was working remotely"},{"speaker":"Alyssa Davies","startTime":2885.31,"endTime":2887.35,"body":"for a company. So I wasn't"},{"speaker":"Alyssa Davies","startTime":2885.31,"endTime":2887.35,"body":"really working for anyone in"},{"speaker":"Alyssa Davies","startTime":2887.35,"endTime":2891.43,"body":"Fort McMurray. And I went to the"},{"speaker":"Alyssa Davies","startTime":2887.35,"endTime":2891.43,"body":"event, and I just spur the"},{"speaker":"Alyssa Davies","startTime":2891.43,"endTime":2896.95,"body":"moment bought 150 50, ticket"},{"speaker":"Alyssa Davies","startTime":2891.43,"endTime":2896.95,"body":"one. It was $50. I was like, I'm"},{"speaker":"Alyssa Davies","startTime":2896.95,"endTime":2899.86,"body":"not spending any more than that."},{"speaker":"Alyssa Davies","startTime":2896.95,"endTime":2899.86,"body":"And I'm standing in the"},{"speaker":"Alyssa Davies","startTime":2899.86,"endTime":2902.29,"body":"audience, and they're about to"},{"speaker":"Alyssa Davies","startTime":2899.86,"endTime":2902.29,"body":"announce the numbers. And they"},{"speaker":"Alyssa Davies","startTime":2902.29,"endTime":2905.05,"body":"read it off. And it's my ticket."},{"speaker":"Alyssa Davies","startTime":2902.29,"endTime":2905.05,"body":"And I'm like, there's no way I"},{"speaker":"Alyssa Davies","startTime":2905.05,"endTime":2908.35,"body":"don't win anything. Like this"},{"speaker":"Alyssa Davies","startTime":2905.05,"endTime":2908.35,"body":"can't be possible. I bought one"},{"speaker":"Alyssa Davies","startTime":2908.35,"endTime":2913.24,"body":"ticket, like people are gonna be"},{"speaker":"Alyssa Davies","startTime":2908.35,"endTime":2913.24,"body":"mad. And so, so I go off, and"},{"speaker":"Alyssa Davies","startTime":2913.24,"endTime":2916.33,"body":"sure enough, it is it's real."},{"speaker":"Alyssa Davies","startTime":2913.24,"endTime":2916.33,"body":"It's my ticket. So I ended up"},{"speaker":"Alyssa Davies","startTime":2916.33,"endTime":2920.38,"body":"winning the 5050 at this Gala."},{"speaker":"Alyssa Davies","startTime":2916.33,"endTime":2920.38,"body":"And it was it was $5,000 which"},{"speaker":"Alyssa Davies","startTime":2920.38,"endTime":2923.38,"body":"is Whoa, it was amazing, right?"},{"speaker":"Alyssa Davies","startTime":2920.38,"endTime":2923.38,"body":"Like, I've never won this much"},{"speaker":"Alyssa Davies","startTime":2923.38,"endTime":2927.28,"body":"money in my life. Amazing. And"},{"speaker":"Alyssa Davies","startTime":2923.38,"endTime":2927.28,"body":"unfortunately, they asked me to"},{"speaker":"Alyssa Davies","startTime":2927.28,"endTime":2931.12,"body":"come up on stage not my favorite"},{"speaker":"Alyssa Davies","startTime":2927.28,"endTime":2931.12,"body":"thing to do. Definitely not with"},{"speaker":"Alyssa Davies","startTime":2931.12,"endTime":2934.96,"body":"no notice. I didn't want to be"},{"speaker":"Alyssa Davies","startTime":2931.12,"endTime":2934.96,"body":"that person. So I was like, of"},{"speaker":"Alyssa Davies","startTime":2934.96,"endTime":2939.91,"body":"course, I would love to come up."},{"speaker":"Alyssa Davies","startTime":2934.96,"endTime":2939.91,"body":"So they brought me up on stage."},{"speaker":"Alyssa Davies","startTime":2940.3,"endTime":2942.25,"body":"And they're like, this is"},{"speaker":"Alyssa Davies","startTime":2940.3,"endTime":2942.25,"body":"Alyssa. She won the 5050"},{"speaker":"Alyssa Davies","startTime":2942.25,"endTime":2945.61,"body":"everyone's cheering Alyssa What"},{"speaker":"Alyssa Davies","startTime":2942.25,"endTime":2945.61,"body":"are you gonna do with the money?"},{"speaker":"Alyssa Davies","startTime":2948.22,"endTime":2951.79,"body":"And I'm like, I'm gonna put it"},{"speaker":"Alyssa Davies","startTime":2948.22,"endTime":2951.79,"body":"in my RSP"},{"speaker":"Alyssa Davies","startTime":2955.12,"endTime":2956.29,"body":"booed me off the stage."},{"speaker":"Preet Banerjee","startTime":2958.01,"endTime":2961.34,"body":"Oh, what's with"},{"speaker":"Preet Banerjee","startTime":2958.01,"endTime":2961.34,"body":"these responsibilities and"},{"speaker":"Preet Banerjee","startTime":2961.4,"endTime":2963.59,"body":"common sense? We don't want that"},{"speaker":"Preet Banerjee","startTime":2961.4,"endTime":2963.59,"body":"up here."},{"speaker":"Alyssa Davies","startTime":2964.34,"endTime":2966.71,"body":"Yeah, so I got"},{"speaker":"Alyssa Davies","startTime":2964.34,"endTime":2966.71,"body":"booed off stage once because"},{"speaker":"Preet Banerjee","startTime":2967.94,"endTime":2969.56,"body":"that's pretty"},{"speaker":"Preet Banerjee","startTime":2967.94,"endTime":2969.56,"body":"good story. I like that story."},{"speaker":"Preet Banerjee","startTime":2969.62,"endTime":2970.85,"body":"That's good story and done."},{"speaker":"Preet Banerjee","startTime":2973.04,"endTime":2977.15,"body":"Okay, so as you know, at the end"},{"speaker":"Preet Banerjee","startTime":2973.04,"endTime":2977.15,"body":"of every episode, every"},{"speaker":"Preet Banerjee","startTime":2977.15,"endTime":2980.9,"body":"interview, the guest has the"},{"speaker":"Preet Banerjee","startTime":2977.15,"endTime":2980.9,"body":"floor to basically have a"},{"speaker":"Preet Banerjee","startTime":2980.9,"endTime":2983.42,"body":"commercial for anything that"},{"speaker":"Preet Banerjee","startTime":2980.9,"endTime":2983.42,"body":"they want to promote. So the"},{"speaker":"Preet Banerjee","startTime":2983.42,"endTime":2985.37,"body":"floor is yours. Take it away."},{"speaker":"Alyssa Davies","startTime":2985.88,"endTime":2988.31,"body":"Yeah, sure. Um,"},{"speaker":"Alyssa Davies","startTime":2985.88,"endTime":2988.31,"body":"the thing I want to promote the"},{"speaker":"Alyssa Davies","startTime":2988.31,"endTime":2991.04,"body":"most is my book. I think it's a"},{"speaker":"Alyssa Davies","startTime":2988.31,"endTime":2991.04,"body":"great tool. I think it's"},{"speaker":"Alyssa Davies","startTime":2991.07,"endTime":2994.7,"body":"affordable compared to a lot of"},{"speaker":"Alyssa Davies","startTime":2991.07,"endTime":2994.7,"body":"money resources you can get, and"},{"speaker":"Alyssa Davies","startTime":2994.7,"endTime":2996.32,"body":"you can get it anywhere you"},{"speaker":"Alyssa Davies","startTime":2994.7,"endTime":2996.32,"body":"want. You don't even have to"},{"speaker":"Alyssa Davies","startTime":2996.32,"endTime":2998.24,"body":"come to my website if you don't"},{"speaker":"Alyssa Davies","startTime":2996.32,"endTime":2998.24,"body":"want because I never want to"},{"speaker":"Alyssa Davies","startTime":2998.24,"endTime":3000.04,"body":"force people to do stuff like"},{"speaker":"Alyssa Davies","startTime":2998.24,"endTime":3000.04,"body":"that."},{"speaker":"Alyssa Davies","startTime":3000.599,"endTime":3003.659,"body":"I'm not very good at self"},{"speaker":"Alyssa Davies","startTime":3000.599,"endTime":3003.659,"body":"promotion at all. Yeah, yeah,"},{"speaker":"Alyssa Davies","startTime":3003.689,"endTime":3007.079,"body":"get over it. Come on, this is a"},{"speaker":"Alyssa Davies","startTime":3003.689,"endTime":3007.079,"body":"commercial you blown it."},{"speaker":"Alyssa Davies","startTime":3009.059,"endTime":3011.309,"body":"Don't go to my website, don't"},{"speaker":"Alyssa Davies","startTime":3009.059,"endTime":3011.309,"body":"ever talk to me again."},{"speaker":"Alyssa Davies","startTime":3012.599,"endTime":3015.389,"body":"Please buy my book, I would love"},{"speaker":"Alyssa Davies","startTime":3012.599,"endTime":3015.389,"body":"that I would love your support,"},{"speaker":"Alyssa Davies","startTime":3015.389,"endTime":3018.089,"body":"I think it's, I really do think"},{"speaker":"Alyssa Davies","startTime":3015.389,"endTime":3018.089,"body":"it's a great tool. And it's an"},{"speaker":"Alyssa Davies","startTime":3018.089,"endTime":3021.059,"body":"easy way to jump into money. If"},{"speaker":"Alyssa Davies","startTime":3018.089,"endTime":3021.059,"body":"you're kind of afraid of it. If"},{"speaker":"Alyssa Davies","startTime":3021.059,"endTime":3023.339,"body":"you're not sure where to start."},{"speaker":"Alyssa Davies","startTime":3021.059,"endTime":3023.339,"body":"Or if you have like a friend or"},{"speaker":"Alyssa Davies","startTime":3023.339,"endTime":3026.489,"body":"a family member who's not not"},{"speaker":"Alyssa Davies","startTime":3023.339,"endTime":3026.489,"body":"ready to start, this is a great"},{"speaker":"Alyssa Davies","startTime":3026.489,"endTime":3029.549,"body":"place for anyone to to get going"},{"speaker":"Alyssa Davies","startTime":3026.489,"endTime":3029.549,"body":"on that. And yeah, you can"},{"speaker":"Alyssa Davies","startTime":3029.549,"endTime":3032.249,"body":"follow me at mix that money on"},{"speaker":"Alyssa Davies","startTime":3029.549,"endTime":3032.249,"body":"any social media platform, and"},{"speaker":"Alyssa Davies","startTime":3032.249,"endTime":3036.149,"body":"my website is mixed up."},{"speaker":"Alyssa Davies","startTime":3032.249,"endTime":3036.149,"body":"money.com. Amazing. And we"},{"speaker":"Alyssa Davies","startTime":3036.149,"endTime":3039.089,"body":"should probably talk about the"},{"speaker":"Alyssa Davies","startTime":3036.149,"endTime":3039.089,"body":"cost of your course, for couples"},{"speaker":"Alyssa Davies","startTime":3039.089,"endTime":3042.389,"body":"who want to talk about money. So"},{"speaker":"Alyssa Davies","startTime":3039.089,"endTime":3042.389,"body":"talk to me about that. For sure."},{"speaker":"Alyssa Davies","startTime":3042.389,"endTime":3046.319,"body":"It's $130. So it's, it's a"},{"speaker":"Alyssa Davies","startTime":3042.389,"endTime":3046.319,"body":"pretty good deal for couples to"},{"speaker":"Alyssa Davies","startTime":3046.319,"endTime":3050.579,"body":"split that cost equally because"},{"speaker":"Alyssa Davies","startTime":3046.319,"endTime":3050.579,"body":"we are all about equal finances"},{"speaker":"Alyssa Davies","startTime":3050.579,"endTime":3051.389,"body":"in a relationship."},{"speaker":"Alyssa Davies","startTime":3053.1,"endTime":3057.21,"body":"Yeah, and it's just you get 15"},{"speaker":"Alyssa Davies","startTime":3053.1,"endTime":3057.21,"body":"exercises is a 24 page workbook."},{"speaker":"Alyssa Davies","startTime":3057.21,"endTime":3060.21,"body":"There's seven videos, I believe"},{"speaker":"Alyssa Davies","startTime":3057.21,"endTime":3060.21,"body":"as well, where you can kind of"},{"speaker":"Alyssa Davies","startTime":3060.21,"endTime":3062.13,"body":"walk through those"},{"speaker":"Alyssa Davies","startTime":3060.21,"endTime":3062.13,"body":"conversations, so it's less"},{"speaker":"Alyssa Davies","startTime":3062.13,"endTime":3064.47,"body":"awkward. I'm kind of that"},{"speaker":"Alyssa Davies","startTime":3062.13,"endTime":3064.47,"body":"middleman that makes it a little"},{"speaker":"Alyssa Davies","startTime":3064.47,"endTime":3067.98,"body":"bit more fun, I hope. But yeah,"},{"speaker":"Alyssa Davies","startTime":3064.47,"endTime":3067.98,"body":"it's it's a great course just to"},{"speaker":"Alyssa Davies","startTime":3067.98,"endTime":3070.29,"body":"get started and and make that"},{"speaker":"Alyssa Davies","startTime":3067.98,"endTime":3070.29,"body":"conversation a little bit less"},{"speaker":"Alyssa Davies","startTime":3070.32,"endTime":3073.53,"body":"awkward. And people can find"},{"speaker":"Alyssa Davies","startTime":3070.32,"endTime":3073.53,"body":"that course on your website as"},{"speaker":"Alyssa Davies","startTime":3073.53,"endTime":3077.01,"body":"well. Yes, absolutely. Perfect."},{"speaker":"Alyssa Davies","startTime":3073.53,"endTime":3077.01,"body":"All right. Well, that's it."},{"speaker":"Alyssa Davies","startTime":3077.01,"endTime":3078.81,"body":"Thank you so much for having"},{"speaker":"Alyssa Davies","startTime":3077.01,"endTime":3078.81,"body":"this conversation with me. I"},{"speaker":"Alyssa Davies","startTime":3078.81,"endTime":3081.54,"body":"really appreciate it. It's been"},{"speaker":"Alyssa Davies","startTime":3078.81,"endTime":3081.54,"body":"a blast having you on the show."},{"speaker":"Alyssa Davies","startTime":3081.87,"endTime":3084.09,"body":"Thanks for having me on. I"},{"speaker":"Alyssa Davies","startTime":3081.87,"endTime":3084.09,"body":"hardly made fun of you. So it"},{"speaker":"Alyssa Davies","startTime":3084.09,"endTime":3086.88,"body":"was a good day. I know you"},{"speaker":"Alyssa Davies","startTime":3084.09,"endTime":3086.88,"body":"wasted opportunity."},{"speaker":"Preet Banerjee","startTime":3088.62,"endTime":3089.61,"body":"That's on you."},{"speaker":"Preet Banerjee","startTime":3109.98,"endTime":3113.07,"body":"If you want more personal"},{"speaker":"Preet Banerjee","startTime":3109.98,"endTime":3113.07,"body":"finance content or you have"},{"speaker":"Preet Banerjee","startTime":3113.07,"endTime":3117.03,"body":"questions for me or topic"},{"speaker":"Preet Banerjee","startTime":3113.07,"endTime":3117.03,"body":"suggestions for the podcast, you"},{"speaker":"Preet Banerjee","startTime":3117.03,"endTime":3120.72,"body":"can follow me on Twitter or"},{"speaker":"Preet Banerjee","startTime":3117.03,"endTime":3120.72,"body":"Instagram, same handle in both"},{"speaker":"Preet Banerjee","startTime":3120.72,"endTime":3125.25,"body":"cases at Preet Banerjee, I also"},{"speaker":"Preet Banerjee","startTime":3120.72,"endTime":3125.25,"body":"have two YouTube channels, you"},{"speaker":"Preet Banerjee","startTime":3125.25,"endTime":3128.19,"body":"can subscribe to my main channel"},{"speaker":"Preet Banerjee","startTime":3125.25,"endTime":3128.19,"body":"which covers personal finance"},{"speaker":"Preet Banerjee","startTime":3128.19,"endTime":3132.39,"body":"and investing topics that are"},{"speaker":"Preet Banerjee","startTime":3128.19,"endTime":3132.39,"body":"global in scope and a Canadian"},{"speaker":"Preet Banerjee","startTime":3132.39,"endTime":3136.23,"body":"specific channel as well. That's"},{"speaker":"Preet Banerjee","startTime":3132.39,"endTime":3136.23,"body":"it for this episode. Thank you"},{"speaker":"Preet Banerjee","startTime":3136.23,"endTime":3137.01,"body":"so much for listening."}]}