{"version":"1.0.0","segments":[{"speaker":"Unknown","startTime":0.87,"endTime":4.14,"body":"Today I'm talking to"},{"speaker":"Unknown","startTime":0.87,"endTime":4.14,"body":"posits payment methods and"},{"speaker":"Unknown","startTime":4.14,"endTime":7.47,"body":"horror stories with Chef Matt"},{"speaker":"Unknown","startTime":4.14,"endTime":7.47,"body":"Collins, whether you're someone"},{"speaker":"Unknown","startTime":7.47,"endTime":10.35,"body":"who works in the food business"},{"speaker":"Unknown","startTime":7.47,"endTime":10.35,"body":"or not, if you take money for"},{"speaker":"Unknown","startTime":10.35,"endTime":12.66,"body":"your services, stick around,"},{"speaker":"Unknown","startTime":10.35,"endTime":12.66,"body":"because you're gonna want to"},{"speaker":"Unknown","startTime":12.66,"endTime":15.99,"body":"hear this. I'm Chris spear. And"},{"speaker":"Unknown","startTime":12.66,"endTime":15.99,"body":"you're listening to Chefs"},{"speaker":"Unknown","startTime":15.99,"endTime":18.6,"body":"Without Restaurants, the show"},{"speaker":"Unknown","startTime":15.99,"endTime":18.6,"body":"where I speak with culinary"},{"speaker":"Unknown","startTime":18.63,"endTime":21.36,"body":"entrepreneurs and people working"},{"speaker":"Unknown","startTime":18.63,"endTime":21.36,"body":"in the food and beverage"},{"speaker":"Unknown","startTime":21.36,"endTime":24.48,"body":"industry outside of a"},{"speaker":"Unknown","startTime":21.36,"endTime":24.48,"body":"traditional restaurant setting."},{"speaker":"Unknown","startTime":25.23,"endTime":28.68,"body":"As most of you know, I work as a"},{"speaker":"Unknown","startTime":25.23,"endTime":28.68,"body":"personal chef. For my business."},{"speaker":"Unknown","startTime":28.71,"endTime":33.45,"body":"I currently accept cash check"},{"speaker":"Unknown","startTime":28.71,"endTime":33.45,"body":"Zell Venmo, and sometimes PayPal"},{"speaker":"Unknown","startTime":33.45,"endTime":37.05,"body":"as a payment method. This"},{"speaker":"Unknown","startTime":33.45,"endTime":37.05,"body":"weekend, I had an issue with a"},{"speaker":"Unknown","startTime":37.05,"endTime":40.29,"body":"customer payment through Zell"},{"speaker":"Unknown","startTime":37.05,"endTime":40.29,"body":"that's already been on the show"},{"speaker":"Unknown","startTime":40.29,"endTime":43.32,"body":"twice, you might have heard him"},{"speaker":"Unknown","startTime":40.29,"endTime":43.32,"body":"before. He's someone I talked to"},{"speaker":"Unknown","startTime":43.32,"endTime":46.98,"body":"frequently, often bouncing ideas"},{"speaker":"Unknown","startTime":43.32,"endTime":46.98,"body":"and thoughts off of him. When I"},{"speaker":"Unknown","startTime":46.98,"endTime":49.71,"body":"had this issue, I sent Matt a"},{"speaker":"Unknown","startTime":46.98,"endTime":49.71,"body":"message joking that we should do"},{"speaker":"Unknown","startTime":49.71,"endTime":53.58,"body":"a show about it. I know he's had"},{"speaker":"Unknown","startTime":49.71,"endTime":53.58,"body":"issues with Venmo and checks. So"},{"speaker":"Unknown","startTime":53.58,"endTime":57.27,"body":"we thought, why not talk about"},{"speaker":"Unknown","startTime":53.58,"endTime":57.27,"body":"it. When I started this podcast,"},{"speaker":"Unknown","startTime":57.3,"endTime":59.82,"body":"it was because I wanted to bring"},{"speaker":"Unknown","startTime":57.3,"endTime":59.82,"body":"real value to those who are new"},{"speaker":"Unknown","startTime":59.82,"endTime":63.06,"body":"business owners, or maybe"},{"speaker":"Unknown","startTime":59.82,"endTime":63.06,"body":"looking to start one. This is a"},{"speaker":"Unknown","startTime":63.06,"endTime":65.79,"body":"topic that I see come up a lot"},{"speaker":"Unknown","startTime":63.06,"endTime":65.79,"body":"in personal chef forums, and"},{"speaker":"Unknown","startTime":65.79,"endTime":69.51,"body":"people ask me all the time about"},{"speaker":"Unknown","startTime":65.79,"endTime":69.51,"body":"payment methods. I keep the"},{"speaker":"Unknown","startTime":69.51,"endTime":71.64,"body":"intro short, because we're going"},{"speaker":"Unknown","startTime":69.51,"endTime":71.64,"body":"to really dig into it on the"},{"speaker":"Unknown","startTime":71.64,"endTime":73.86,"body":"show. But we talked about"},{"speaker":"Unknown","startTime":71.64,"endTime":73.86,"body":"different options for payment"},{"speaker":"Unknown","startTime":73.86,"endTime":77.16,"body":"methods. We also talked about"},{"speaker":"Unknown","startTime":73.86,"endTime":77.16,"body":"deposits, how, when and how"},{"speaker":"Unknown","startTime":77.16,"endTime":81.0,"body":"much. We're going to talk about"},{"speaker":"Unknown","startTime":77.16,"endTime":81.0,"body":"fees, gratuity, and paying by"},{"speaker":"Unknown","startTime":81.0,"endTime":84.03,"body":"cash. And due to the nature of"},{"speaker":"Unknown","startTime":81.0,"endTime":84.03,"body":"the conversation, we're gonna"},{"speaker":"Unknown","startTime":84.03,"endTime":86.13,"body":"get into some horror stories,"},{"speaker":"Unknown","startTime":84.03,"endTime":86.13,"body":"which I think you'll find"},{"speaker":"Unknown","startTime":86.13,"endTime":89.4,"body":"amusing. Overall, Matt's a"},{"speaker":"Unknown","startTime":86.13,"endTime":89.4,"body":"mildly funny guy, and we try to"},{"speaker":"Unknown","startTime":89.4,"endTime":91.83,"body":"keep it light. As always, if you"},{"speaker":"Unknown","startTime":89.4,"endTime":91.83,"body":"go to chefs without"},{"speaker":"Unknown","startTime":91.83,"endTime":94.53,"body":"restaurants.org, you can find"},{"speaker":"Unknown","startTime":91.83,"endTime":94.53,"body":"links to everything, including"},{"speaker":"Unknown","startTime":94.56,"endTime":97.11,"body":"our private Facebook group, and"},{"speaker":"Unknown","startTime":94.56,"endTime":97.11,"body":"you'll be able to add yourself"},{"speaker":"Unknown","startTime":97.11,"endTime":100.17,"body":"to our database so you can"},{"speaker":"Unknown","startTime":97.11,"endTime":100.17,"body":"hopefully get some gig leads. If"},{"speaker":"Unknown","startTime":100.17,"endTime":102.75,"body":"you have any questions, comments"},{"speaker":"Unknown","startTime":100.17,"endTime":102.75,"body":"or feedback on this episode. I'd"},{"speaker":"Unknown","startTime":102.75,"endTime":106.32,"body":"love to hear from you. My DMS"},{"speaker":"Unknown","startTime":102.75,"endTime":106.32,"body":"are always open on Instagram at"},{"speaker":"Unknown","startTime":106.32,"endTime":109.23,"body":"Chefs Without Restaurants or you"},{"speaker":"Unknown","startTime":106.32,"endTime":109.23,"body":"can shoot me an email at chefs"},{"speaker":"Unknown","startTime":109.23,"endTime":112.68,"body":"without restaurants@gmail.com."},{"speaker":"Unknown","startTime":109.23,"endTime":112.68,"body":"This week's episode will be"},{"speaker":"Unknown","startTime":112.68,"endTime":115.5,"body":"right up after a word from this"},{"speaker":"Unknown","startTime":112.68,"endTime":115.5,"body":"week's sponsor, the United"},{"speaker":"Unknown","startTime":115.5,"endTime":119.04,"body":"States personal chef"},{"speaker":"Unknown","startTime":115.5,"endTime":119.04,"body":"Association. 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Consumers can trust"},{"speaker":"Unknown","startTime":133.44,"endTime":136.89,"body":"that their meal experience is"},{"speaker":"Unknown","startTime":136.89,"endTime":141.12,"body":"insured and supported by us"},{"speaker":"Unknown","startTime":136.89,"endTime":141.12,"body":"SPCA. And now for a limited"},{"speaker":"Unknown","startTime":141.12,"endTime":145.41,"body":"time, save $75 on new membership"},{"speaker":"Unknown","startTime":141.12,"endTime":145.41,"body":"and get your premiere listing on"},{"speaker":"Unknown","startTime":145.41,"endTime":152.13,"body":"hire chef by using the code tax"},{"speaker":"Unknown","startTime":145.41,"endTime":152.13,"body":"break 2023 at OU spca.com That's"},{"speaker":"Unknown","startTime":152.13,"endTime":156.57,"body":"capital T capital B. Plus, if"},{"speaker":"Unknown","startTime":152.13,"endTime":156.57,"body":"you have products or services to"},{"speaker":"Unknown","startTime":156.57,"endTime":159.63,"body":"sell chefs and their clients"},{"speaker":"Unknown","startTime":156.57,"endTime":159.63,"body":"showcase your business on hire"},{"speaker":"Unknown","startTime":159.63,"endTime":164.58,"body":"chef and USPTA websites with our"},{"speaker":"Unknown","startTime":159.63,"endTime":164.58,"body":"great introductory packages. To"},{"speaker":"Unknown","startTime":164.58,"endTime":167.28,"body":"learn more about membership"},{"speaker":"Unknown","startTime":164.58,"endTime":167.28,"body":"advertising or partnership"},{"speaker":"Unknown","startTime":167.31,"endTime":173.88,"body":"opportunities call Angela at"},{"speaker":"Unknown","startTime":167.31,"endTime":173.88,"body":"1-800-995-2138. Extension 705"},{"speaker":"Chris Spear","startTime":173.97,"endTime":180.54,"body":"or email a PR a th"},{"speaker":"Chris Spear","startTime":173.97,"endTime":180.54,"body":"er at us pca.com Hey Matt,"},{"speaker":"Chris Spear","startTime":180.54,"endTime":183.42,"body":"welcome to the show. Thanks for"},{"speaker":"Chris Spear","startTime":180.54,"endTime":183.42,"body":"coming back. I guess this is"},{"speaker":"Chris Spear","startTime":183.42,"endTime":188.07,"body":"like your third time. So you're"},{"speaker":"Chris Spear","startTime":183.42,"endTime":188.07,"body":"probably my most appearing guest"},{"speaker":"Chris Spear","startTime":188.07,"endTime":190.77,"body":"at this point. You did the"},{"speaker":"Chris Spear","startTime":188.07,"endTime":190.77,"body":"regular episode you did a what"},{"speaker":"Chris Spear","startTime":190.77,"endTime":194.43,"body":"is the chef or what is a chef"},{"speaker":"Chris Spear","startTime":190.77,"endTime":194.43,"body":"mini episode and now we're back"},{"speaker":"Chris Spear","startTime":194.43,"endTime":197.43,"body":"to talking about payment methods"},{"speaker":"Chris Spear","startTime":194.43,"endTime":197.43,"body":"today, which I guess at its"},{"speaker":"Chris Spear","startTime":197.43,"endTime":199.77,"body":"core, maybe sounds like a dry"},{"speaker":"Chris Spear","startTime":197.43,"endTime":199.77,"body":"topic, but I think we'll keep it"},{"speaker":"Chris Spear","startTime":199.77,"endTime":200.46,"body":"fun, right?"},{"speaker":"Matt Collins","startTime":200.94,"endTime":203.88,"body":"Yeah, I'm pretty"},{"speaker":"Matt Collins","startTime":200.94,"endTime":203.88,"body":"fun. I'm excited for my jacket."},{"speaker":"Matt Collins","startTime":203.97,"endTime":207.09,"body":"Kind of like SNL gonna have the"},{"speaker":"Matt Collins","startTime":203.97,"endTime":207.09,"body":"three timers club jacket on"},{"speaker":"Matt Collins","startTime":207.09,"endTime":208.2,"body":"Chefs Without Restaurants."},{"speaker":"Chris Spear","startTime":208.229,"endTime":210.449,"body":"You're gonna be the"},{"speaker":"Chris Spear","startTime":208.229,"endTime":210.449,"body":"Steve Martin of the Chefs"},{"speaker":"Chris Spear","startTime":210.449,"endTime":214.919,"body":"Without Restaurants podcast,"},{"speaker":"Chris Spear","startTime":210.449,"endTime":214.919,"body":"Alec. Alec bald, I think those"},{"speaker":"Chris Spear","startTime":214.919,"endTime":216.059,"body":"two go back and forth. Yeah."},{"speaker":"Matt Collins","startTime":216.3,"endTime":218.13,"body":"But people like"},{"speaker":"Matt Collins","startTime":216.3,"endTime":218.13,"body":"Steve Martin, not everyone likes"},{"speaker":"Matt Collins","startTime":218.13,"endTime":220.53,"body":"Alec Baldwin. So that's why I'm"},{"speaker":"Matt Collins","startTime":218.13,"endTime":220.53,"body":"him. It's not everyone likes me."},{"speaker":"Chris Spear","startTime":221.97,"endTime":225.15,"body":"I don't always like"},{"speaker":"Chris Spear","startTime":221.97,"endTime":225.15,"body":"you either. It's kind of like"},{"speaker":"Chris Spear","startTime":225.15,"endTime":228.0,"body":"the Star Wars. I don't like you"},{"speaker":"Chris Spear","startTime":225.15,"endTime":228.0,"body":"either. Anyway, we're already"},{"speaker":"Chris Spear","startTime":228.0,"endTime":231.81,"body":"off track here. So for the"},{"speaker":"Chris Spear","startTime":228.0,"endTime":231.81,"body":"audience, we wanted to talk"},{"speaker":"Chris Spear","startTime":231.81,"endTime":234.72,"body":"about payment methods. You know,"},{"speaker":"Chris Spear","startTime":231.81,"endTime":234.72,"body":"Matt's a personal chef, I'm a"},{"speaker":"Chris Spear","startTime":234.72,"endTime":238.89,"body":"personal chef. He and I actually"},{"speaker":"Chris Spear","startTime":234.72,"endTime":238.89,"body":"talk off camera a lot about, you"},{"speaker":"Chris Spear","startTime":238.89,"endTime":241.83,"body":"know, when you should take a"},{"speaker":"Chris Spear","startTime":238.89,"endTime":241.83,"body":"deposit how much what your"},{"speaker":"Chris Spear","startTime":241.83,"endTime":244.83,"body":"payment methods are. But this"},{"speaker":"Chris Spear","startTime":241.83,"endTime":244.83,"body":"started because this weekend, I"},{"speaker":"Chris Spear","startTime":244.83,"endTime":249.93,"body":"had a situation. So I've always"},{"speaker":"Chris Spear","startTime":244.83,"endTime":249.93,"body":"said I take cash cheque. Zell"},{"speaker":"Chris Spear","startTime":249.99,"endTime":254.19,"body":"and Venmo. I can do PayPal, I"},{"speaker":"Chris Spear","startTime":249.99,"endTime":254.19,"body":"don't mind because it's an easy"},{"speaker":"Chris Spear","startTime":254.19,"endTime":257.7,"body":"way to take credit card"},{"speaker":"Chris Spear","startTime":254.19,"endTime":257.7,"body":"processing. But they charge a"},{"speaker":"Chris Spear","startTime":257.7,"endTime":261.12,"body":"fee, which I don't like. So"},{"speaker":"Chris Spear","startTime":257.7,"endTime":261.12,"body":"anyway, I had these guests at a"},{"speaker":"Chris Spear","startTime":261.12,"endTime":266.04,"body":"dinner there was nine people."},{"speaker":"Chris Spear","startTime":261.12,"endTime":266.04,"body":"Now shame on me because I let"},{"speaker":"Chris Spear","startTime":266.04,"endTime":270.15,"body":"them all pay separately and"},{"speaker":"Chris Spear","startTime":266.04,"endTime":270.15,"body":"we'll get into this. I do feel"},{"speaker":"Chris Spear","startTime":270.15,"endTime":273.0,"body":"like one person should be paying"},{"speaker":"Chris Spear","startTime":270.15,"endTime":273.0,"body":"you but it comes time to settle"},{"speaker":"Chris Spear","startTime":273.0,"endTime":276.45,"body":"up. And all these guests, you"},{"speaker":"Chris Spear","startTime":273.0,"endTime":276.45,"body":"know their couples, so like four"},{"speaker":"Chris Spear","startTime":276.45,"endTime":280.02,"body":"of them want to pay Venmo and"},{"speaker":"Chris Spear","startTime":276.45,"endTime":280.02,"body":"you know, a couple want to pay"},{"speaker":"Chris Spear","startTime":280.02,"endTime":284.64,"body":"Zell or whatever, which is"},{"speaker":"Chris Spear","startTime":280.02,"endTime":284.64,"body":"usually fine. So you know, they"},{"speaker":"Chris Spear","startTime":284.67,"endTime":287.1,"body":"send me the money. One woman"},{"speaker":"Chris Spear","startTime":284.67,"endTime":287.1,"body":"with the Zell it doesn't go"},{"speaker":"Chris Spear","startTime":287.1,"endTime":290.16,"body":"through. It's not showing on my"},{"speaker":"Chris Spear","startTime":287.1,"endTime":290.16,"body":"phone. But I've had this issue"},{"speaker":"Chris Spear","startTime":290.16,"endTime":292.65,"body":"before and I said you know,"},{"speaker":"Chris Spear","startTime":290.16,"endTime":292.65,"body":"don't worry about it. I'm sure"},{"speaker":"Chris Spear","startTime":292.65,"endTime":296.64,"body":"it'll go through. Guess what it"},{"speaker":"Chris Spear","startTime":292.65,"endTime":296.64,"body":"didn't. It's two days later. Now"},{"speaker":"Chris Spear","startTime":296.64,"endTime":299.13,"body":"I come home it's still not in my"},{"speaker":"Chris Spear","startTime":296.64,"endTime":299.13,"body":"bank. I don't know where this"},{"speaker":"Chris Spear","startTime":299.13,"endTime":301.2,"body":"money is. But here's the"},{"speaker":"Chris Spear","startTime":299.13,"endTime":301.2,"body":"problem. I don't know who this"},{"speaker":"Chris Spear","startTime":301.2,"endTime":304.5,"body":"woman is. She's not the person"},{"speaker":"Chris Spear","startTime":301.2,"endTime":304.5,"body":"who booked the party. She's a"},{"speaker":"Chris Spear","startTime":304.5,"endTime":309.06,"body":"guest of the hostess, right? So"},{"speaker":"Chris Spear","startTime":304.5,"endTime":309.06,"body":"I call Xcel. And here's what"},{"speaker":"Chris Spear","startTime":309.06,"endTime":312.33,"body":"they tell me. You don't have a"},{"speaker":"Chris Spear","startTime":309.06,"endTime":312.33,"body":"valid account. And I'm like,"},{"speaker":"Chris Spear","startTime":312.36,"endTime":314.88,"body":"What do you mean, I don't have a"},{"speaker":"Chris Spear","startTime":312.36,"endTime":314.88,"body":"valid account, I have an"},{"speaker":"Chris Spear","startTime":314.88,"endTime":317.88,"body":"account. So here's how the cell"},{"speaker":"Chris Spear","startTime":314.88,"endTime":317.88,"body":"works. It goes directly into"},{"speaker":"Chris Spear","startTime":317.88,"endTime":320.13,"body":"your bank. But what they don't"},{"speaker":"Chris Spear","startTime":317.88,"endTime":320.13,"body":"tell you is it doesn't actually"},{"speaker":"Chris Spear","startTime":320.13,"endTime":324.09,"body":"go to your bank account number,"},{"speaker":"Chris Spear","startTime":320.13,"endTime":324.09,"body":"it's tied to your debit card. So"},{"speaker":"Chris Spear","startTime":324.12,"endTime":326.49,"body":"you know, like credit cards and"},{"speaker":"Chris Spear","startTime":324.12,"endTime":326.49,"body":"debit cards do there's an"},{"speaker":"Chris Spear","startTime":326.49,"endTime":329.16,"body":"expiration. So I guess my debit"},{"speaker":"Chris Spear","startTime":326.49,"endTime":329.16,"body":"card expired, and my bank sent"},{"speaker":"Chris Spear","startTime":329.16,"endTime":332.28,"body":"me a new one, no big deal. I"},{"speaker":"Chris Spear","startTime":329.16,"endTime":332.28,"body":"didn't update it in the Zell"},{"speaker":"Chris Spear","startTime":332.28,"endTime":335.67,"body":"app. So when this woman went to"},{"speaker":"Chris Spear","startTime":332.28,"endTime":335.67,"body":"pay, Zell does not flag and say"},{"speaker":"Chris Spear","startTime":335.67,"endTime":338.43,"body":"this is not valid, can't go"},{"speaker":"Chris Spear","startTime":335.67,"endTime":338.43,"body":"through, they accept the"},{"speaker":"Chris Spear","startTime":338.43,"endTime":342.03,"body":"process. I think I've got my"},{"speaker":"Chris Spear","startTime":338.43,"endTime":342.03,"body":"money, I leave the party. And"},{"speaker":"Chris Spear","startTime":342.03,"endTime":345.27,"body":"then I find out later, guess"},{"speaker":"Chris Spear","startTime":342.03,"endTime":345.27,"body":"what, I didn't have a valid"},{"speaker":"Chris Spear","startTime":345.27,"endTime":348.09,"body":"debit card on file. So they"},{"speaker":"Chris Spear","startTime":345.27,"endTime":348.09,"body":"refuse the charge. But at the"},{"speaker":"Chris Spear","startTime":348.09,"endTime":351.51,"body":"time of service, when I'm at"},{"speaker":"Chris Spear","startTime":348.09,"endTime":351.51,"body":"this party, the woman was not"},{"speaker":"Chris Spear","startTime":351.51,"endTime":354.15,"body":"told this. So she thinks it goes"},{"speaker":"Chris Spear","startTime":351.51,"endTime":354.15,"body":"through, I am not told this. So"},{"speaker":"Chris Spear","startTime":354.15,"endTime":356.82,"body":"I think it goes through. And now"},{"speaker":"Chris Spear","startTime":354.15,"endTime":356.82,"body":"I have to hope that this is a"},{"speaker":"Chris Spear","startTime":356.82,"endTime":360.3,"body":"good person. And she is actually"},{"speaker":"Chris Spear","startTime":356.82,"endTime":360.3,"body":"going to send me the money she"},{"speaker":"Chris Spear","startTime":360.3,"endTime":362.16,"body":"owes me. But guess what, I also"},{"speaker":"Chris Spear","startTime":360.3,"endTime":362.16,"body":"have to figure out how to get a"},{"speaker":"Chris Spear","startTime":362.16,"endTime":365.94,"body":"hold of her. So now I have to"},{"speaker":"Chris Spear","startTime":362.16,"endTime":365.94,"body":"email the hostess and say, hey,"},{"speaker":"Chris Spear","startTime":365.94,"endTime":368.22,"body":"you know how we said the woman"},{"speaker":"Chris Spear","startTime":365.94,"endTime":368.22,"body":"who's gonna pay us out? And I"},{"speaker":"Chris Spear","startTime":368.22,"endTime":370.32,"body":"thought it'd be okay, guess what"},{"speaker":"Chris Spear","startTime":368.22,"endTime":370.32,"body":"it's not, can you reach out to"},{"speaker":"Chris Spear","startTime":370.32,"endTime":372.93,"body":"your friend and tell her she"},{"speaker":"Chris Spear","startTime":370.32,"endTime":372.93,"body":"needs to send me 250 bucks,"},{"speaker":"Chris Spear","startTime":373.29,"endTime":376.62,"body":"which is just a pain in the ass."},{"speaker":"Chris Spear","startTime":373.29,"endTime":376.62,"body":"So this is a long way of me"},{"speaker":"Chris Spear","startTime":376.62,"endTime":379.92,"body":"saying, I think I need to work"},{"speaker":"Chris Spear","startTime":376.62,"endTime":379.92,"body":"on some processes here. And I"},{"speaker":"Chris Spear","startTime":379.92,"endTime":382.56,"body":"know Matt has had some issues"},{"speaker":"Chris Spear","startTime":379.92,"endTime":382.56,"body":"with some of these things as"},{"speaker":"Chris Spear","startTime":382.56,"endTime":385.74,"body":"well. So we wanted to talk about"},{"speaker":"Chris Spear","startTime":382.56,"endTime":385.74,"body":"this a little bit today, because"},{"speaker":"Chris Spear","startTime":385.74,"endTime":387.66,"body":"I want to bring value to my"},{"speaker":"Chris Spear","startTime":385.74,"endTime":387.66,"body":"listeners. And I thought this"},{"speaker":"Chris Spear","startTime":387.66,"endTime":391.05,"body":"would be more interesting than"},{"speaker":"Chris Spear","startTime":387.66,"endTime":391.05,"body":"just doing a solo show. So Matt"},{"speaker":"Chris Spear","startTime":391.05,"endTime":393.48,"body":"and I are gonna hash it out a"},{"speaker":"Chris Spear","startTime":391.05,"endTime":393.48,"body":"little bit over payment methods."},{"speaker":"Chris Spear","startTime":393.66,"endTime":394.35,"body":"What do you think, Matt?"},{"speaker":"Matt Collins","startTime":395.01,"endTime":398.16,"body":"Right, we"},{"speaker":"Matt Collins","startTime":395.01,"endTime":398.16,"body":"literally had to bite my tongue"},{"speaker":"Matt Collins","startTime":398.19,"endTime":401.25,"body":"hearing that you allow people,"},{"speaker":"Matt Collins","startTime":398.19,"endTime":401.25,"body":"multiple people to pay."},{"speaker":"Chris Spear","startTime":402.42,"endTime":404.22,"body":"And this is not my"},{"speaker":"Chris Spear","startTime":402.42,"endTime":404.22,"body":"first time I've done this and"},{"speaker":"Chris Spear","startTime":404.22,"endTime":407.94,"body":"had an issue. So yes. So yeah,"},{"speaker":"Chris Spear","startTime":404.22,"endTime":407.94,"body":"getting getting into that you"},{"speaker":"Chris Spear","startTime":407.94,"endTime":410.85,"body":"really need to have one person"},{"speaker":"Chris Spear","startTime":407.94,"endTime":410.85,"body":"making payment, right? If you"},{"speaker":"Chris Spear","startTime":410.88,"endTime":414.27,"body":"are doing a dinner party with 10"},{"speaker":"Chris Spear","startTime":410.88,"endTime":414.27,"body":"people, and it's five couples,"},{"speaker":"Chris Spear","startTime":414.45,"endTime":415.53,"body":"how do you handle that?"},{"speaker":"Matt Collins","startTime":415.799,"endTime":418.229,"body":"Not one person,"},{"speaker":"Matt Collins","startTime":415.799,"endTime":418.229,"body":"the only time I'll take a second"},{"speaker":"Matt Collins","startTime":418.229,"endTime":421.439,"body":"payment if someone else maybe"},{"speaker":"Matt Collins","startTime":418.229,"endTime":421.439,"body":"wants to leave a tip. And then"},{"speaker":"Matt Collins","startTime":421.439,"endTime":424.949,"body":"I've had an issue where someone"},{"speaker":"Matt Collins","startTime":421.439,"endTime":424.949,"body":"said, Hey, I forgot to leave a"},{"speaker":"Matt Collins","startTime":424.949,"endTime":428.129,"body":"tip, can I leave a tip in front"},{"speaker":"Matt Collins","startTime":424.949,"endTime":428.129,"body":"of my staff? And then they're"},{"speaker":"Matt Collins","startTime":428.129,"endTime":430.529,"body":"like, you know, set it up via"},{"speaker":"Matt Collins","startTime":428.129,"endTime":430.529,"body":"square, and then they just never"},{"speaker":"Matt Collins","startTime":430.529,"endTime":433.499,"body":"paid it. So I had to like, take"},{"speaker":"Matt Collins","startTime":430.529,"endTime":433.499,"body":"screenshots and show my staff"},{"speaker":"Matt Collins","startTime":433.499,"endTime":436.229,"body":"and like, yeah, they actually"},{"speaker":"Matt Collins","startTime":433.499,"endTime":436.229,"body":"just never paid it. So it's"},{"speaker":"Matt Collins","startTime":436.229,"endTime":438.569,"body":"like, because then it people"},{"speaker":"Matt Collins","startTime":436.229,"endTime":438.569,"body":"think I'm, you know, taking like"},{"speaker":"Matt Collins","startTime":438.569,"endTime":441.749,"body":"100 bucks out of their pocket,"},{"speaker":"Matt Collins","startTime":438.569,"endTime":441.749,"body":"or something. And so it just put"},{"speaker":"Matt Collins","startTime":441.749,"endTime":444.959,"body":"me in this like weird, like,"},{"speaker":"Matt Collins","startTime":441.749,"endTime":444.959,"body":"Curb Your Enthusiasm situation"},{"speaker":"Matt Collins","startTime":444.959,"endTime":448.289,"body":"of like, you know, I'm in over"},{"speaker":"Matt Collins","startTime":444.959,"endTime":448.289,"body":"like, you know, not that it's"},{"speaker":"Matt Collins","startTime":448.289,"endTime":450.899,"body":"the end of the world. It's a"},{"speaker":"Matt Collins","startTime":448.289,"endTime":450.899,"body":"little bit of money. But you"},{"speaker":"Matt Collins","startTime":450.899,"endTime":453.449,"body":"know, it just, you know, I have"},{"speaker":"Matt Collins","startTime":450.899,"endTime":453.449,"body":"people who I rely on and if they"},{"speaker":"Matt Collins","startTime":453.449,"endTime":455.819,"body":"think I'm stealing money from"},{"speaker":"Matt Collins","startTime":453.449,"endTime":455.819,"body":"them, that's not cool."},{"speaker":"Chris Spear","startTime":455.85,"endTime":457.89,"body":"Yeah. Matt Collins"},{"speaker":"Chris Spear","startTime":455.85,"endTime":457.89,"body":"is cancelled, because he's"},{"speaker":"Chris Spear","startTime":457.89,"endTime":459.96,"body":"stealing tips. Yeah,"},{"speaker":"Matt Collins","startTime":459.96,"endTime":461.67,"body":"I mean, well, I"},{"speaker":"Matt Collins","startTime":459.96,"endTime":461.67,"body":"don't know honestly, how many"},{"speaker":"Matt Collins","startTime":461.67,"endTime":463.08,"body":"chefs has that happened to"},{"speaker":"Chris Spear","startTime":463.38,"endTime":463.95,"body":"quite a"},{"speaker":"Matt Collins","startTime":463.95,"endTime":466.77,"body":"few recently, most"},{"speaker":"Matt Collins","startTime":463.95,"endTime":466.77,"body":"of them, you know, and I'm"},{"speaker":"Matt Collins","startTime":466.77,"endTime":469.32,"body":"almost like, who has it? I guess"},{"speaker":"Matt Collins","startTime":466.77,"endTime":469.32,"body":"it's how you run a restaurant."},{"speaker":"Matt Collins","startTime":469.32,"endTime":472.44,"body":"So we can't be the Chefs Without"},{"speaker":"Matt Collins","startTime":469.32,"endTime":472.44,"body":"Restaurants doing the things the"},{"speaker":"Matt Collins","startTime":472.44,"endTime":474.9,"body":"Chefs Without Restaurants are"},{"speaker":"Matt Collins","startTime":472.44,"endTime":474.9,"body":"doing. But"},{"speaker":"Chris Spear","startTime":475.65,"endTime":477.93,"body":"But I do think this"},{"speaker":"Chris Spear","startTime":475.65,"endTime":477.93,"body":"is more common, especially in"},{"speaker":"Chris Spear","startTime":477.93,"endTime":480.24,"body":"like younger parties. Like I"},{"speaker":"Chris Spear","startTime":477.93,"endTime":480.24,"body":"see, you know, I do a lot of"},{"speaker":"Chris Spear","startTime":480.24,"endTime":482.43,"body":"bachelorette parties. And it's a"},{"speaker":"Chris Spear","startTime":480.24,"endTime":482.43,"body":"dozen single girls, and they all"},{"speaker":"Chris Spear","startTime":482.43,"endTime":486.0,"body":"want to be like Venmo. When you"},{"speaker":"Chris Spear","startTime":482.43,"endTime":486.0,"body":"at the table. Sometimes I found"},{"speaker":"Chris Spear","startTime":486.0,"endTime":488.58,"body":"that that does work out if"},{"speaker":"Chris Spear","startTime":486.0,"endTime":488.58,"body":"you're talking about tips,"},{"speaker":"Chris Spear","startTime":488.76,"endTime":491.94,"body":"because it offsets the chance"},{"speaker":"Chris Spear","startTime":488.76,"endTime":491.94,"body":"that if there's one bad tip or"},{"speaker":"Chris Spear","startTime":491.94,"endTime":495.27,"body":"because I've had a party of"},{"speaker":"Chris Spear","startTime":491.94,"endTime":495.27,"body":"let's say 10, where the host is"},{"speaker":"Chris Spear","startTime":495.27,"endTime":499.05,"body":"the one who doesn't want a tip."},{"speaker":"Chris Spear","startTime":495.27,"endTime":499.05,"body":"So you've got $1,000 dinner, and"},{"speaker":"Chris Spear","startTime":499.05,"endTime":502.29,"body":"they don't tip so you don't get"},{"speaker":"Chris Spear","startTime":499.05,"endTime":502.29,"body":"let's say 200 bucks. But at"},{"speaker":"Chris Spear","startTime":502.29,"endTime":505.41,"body":"least when you've got 10 people,"},{"speaker":"Chris Spear","startTime":502.29,"endTime":505.41,"body":"if you've got one who doesn't"},{"speaker":"Chris Spear","startTime":505.41,"endTime":510.09,"body":"tip, but nine others do, you"},{"speaker":"Chris Spear","startTime":505.41,"endTime":510.09,"body":"know, I'm playing the odds"},{"speaker":"Chris Spear","startTime":510.09,"endTime":511.05,"body":"there, I'm playing the odds, but"},{"speaker":"Matt Collins","startTime":511.08,"endTime":513.39,"body":"you lost the tip"},{"speaker":"Matt Collins","startTime":511.08,"endTime":513.39,"body":"on this last part because you"},{"speaker":"Matt Collins","startTime":513.39,"endTime":517.17,"body":"lost 250. And then there's like,"},{"speaker":"Matt Collins","startTime":513.39,"endTime":517.17,"body":"sometimes there's individual"},{"speaker":"Matt Collins","startTime":517.17,"endTime":520.11,"body":"processing fees for each"},{"speaker":"Matt Collins","startTime":517.17,"endTime":520.11,"body":"transaction, too. So you're"},{"speaker":"Matt Collins","startTime":520.11,"endTime":523.59,"body":"rising fees and just general"},{"speaker":"Matt Collins","startTime":520.11,"endTime":523.59,"body":"confusion at the end of the year"},{"speaker":"Matt Collins","startTime":523.59,"endTime":526.62,"body":"doing your taxes. Oh, for this"},{"speaker":"Matt Collins","startTime":523.59,"endTime":526.62,"body":"party, it was blah, blah, blah,"},{"speaker":"Matt Collins","startTime":526.62,"endTime":529.32,"body":"then you have to recalculate how"},{"speaker":"Matt Collins","startTime":526.62,"endTime":529.32,"body":"much you lost in fees."},{"speaker":"Chris Spear","startTime":529.59,"endTime":533.04,"body":"I haven't paid any"},{"speaker":"Chris Spear","startTime":529.59,"endTime":533.04,"body":"fees most. I mean, we'll get"},{"speaker":"Chris Spear","startTime":533.04,"endTime":536.58,"body":"into the fees, things most of"},{"speaker":"Chris Spear","startTime":533.04,"endTime":536.58,"body":"them are just a transaction"},{"speaker":"Chris Spear","startTime":536.58,"endTime":541.65,"body":"percentage. Venmo gives you the"},{"speaker":"Chris Spear","startTime":536.58,"endTime":541.65,"body":"option when you pay someone it"},{"speaker":"Chris Spear","startTime":541.65,"endTime":545.43,"body":"says is this for goods or"},{"speaker":"Chris Spear","startTime":541.65,"endTime":545.43,"body":"service. I think in like three"},{"speaker":"Chris Spear","startTime":545.43,"endTime":548.13,"body":"years of doing business, only"},{"speaker":"Chris Spear","startTime":545.43,"endTime":548.13,"body":"two people have flagged it as a"},{"speaker":"Chris Spear","startTime":548.13,"endTime":551.46,"body":"service where I did get assessed"},{"speaker":"Chris Spear","startTime":548.13,"endTime":551.46,"body":"the fee, and everyone else just"},{"speaker":"Chris Spear","startTime":551.49,"endTime":555.6,"body":"pays me and I haven't had to pay"},{"speaker":"Chris Spear","startTime":551.49,"endTime":555.6,"body":"which is why I love using Venmo"},{"speaker":"Chris Spear","startTime":555.6,"endTime":559.5,"body":"and Zelle because 99% of the"},{"speaker":"Chris Spear","startTime":555.6,"endTime":559.5,"body":"time I'm not assessed any kind"},{"speaker":"Chris Spear","startTime":559.5,"endTime":562.14,"body":"of fee on that which is sweet."},{"speaker":"Chris Spear","startTime":559.5,"endTime":562.14,"body":"You know, when people pay via"},{"speaker":"Chris Spear","startTime":563.34,"endTime":567.18,"body":"PayPal, I'm getting whacked with"},{"speaker":"Chris Spear","startTime":563.34,"endTime":567.18,"body":"this, you know, I'm losing like"},{"speaker":"Chris Spear","startTime":567.18,"endTime":570.87,"body":"30 $40 on a one transaction fee"},{"speaker":"Chris Spear","startTime":567.18,"endTime":570.87,"body":"and yes, there's a cost of doing"},{"speaker":"Chris Spear","startTime":570.87,"endTime":573.63,"body":"business. But if I could skate"},{"speaker":"Chris Spear","startTime":570.87,"endTime":573.63,"body":"through without paying that, you"},{"speaker":"Chris Spear","startTime":573.63,"endTime":577.14,"body":"know 40 $50 And I do want to be"},{"speaker":"Chris Spear","startTime":573.63,"endTime":577.14,"body":"clear this woman did pay for the"},{"speaker":"Chris Spear","startTime":577.14,"endTime":581.73,"body":"party. They all went 100% tipped"},{"speaker":"Chris Spear","startTime":577.14,"endTime":581.73,"body":"went above and beyond. I did"},{"speaker":"Chris Spear","startTime":581.73,"endTime":584.49,"body":"make my money. I don't know if"},{"speaker":"Chris Spear","startTime":581.73,"endTime":584.49,"body":"they're listening. They probably"},{"speaker":"Chris Spear","startTime":584.49,"endTime":586.89,"body":"aren't. But it was a great"},{"speaker":"Chris Spear","startTime":584.49,"endTime":586.89,"body":"party. We had lots of fun. They"},{"speaker":"Chris Spear","startTime":586.89,"endTime":589.47,"body":"did pay me well and everyone"},{"speaker":"Chris Spear","startTime":586.89,"endTime":589.47,"body":"tipped and it worked out but"},{"speaker":"Chris Spear","startTime":589.74,"endTime":592.86,"body":"there was the off chance that"},{"speaker":"Chris Spear","startTime":589.74,"endTime":592.86,"body":"maybe I wouldn't get tipped or"},{"speaker":"Chris Spear","startTime":592.89,"endTime":595.86,"body":"wouldn't get paid for this party"},{"speaker":"Chris Spear","startTime":592.89,"endTime":595.86,"body":"at least for one person."},{"speaker":"Matt Collins","startTime":596.76,"endTime":599.37,"body":"Ah, I totally"},{"speaker":"Matt Collins","startTime":596.76,"endTime":599.37,"body":"spaced on what I wanted to say"},{"speaker":"Matt Collins","startTime":599.4,"endTime":601.68,"body":"because I checked arranged like"},{"speaker":"Matt Collins","startTime":599.4,"endTime":601.68,"body":"four times?"},{"speaker":"Chris Spear","startTime":602.58,"endTime":604.89,"body":"Well, I think one"},{"speaker":"Chris Spear","startTime":602.58,"endTime":604.89,"body":"of the big things is like going"},{"speaker":"Chris Spear","startTime":604.89,"endTime":607.68,"body":"back to it is, if you're doing a"},{"speaker":"Chris Spear","startTime":604.89,"endTime":607.68,"body":"party, you need to have one"},{"speaker":"Chris Spear","startTime":607.68,"endTime":610.23,"body":"person coordinate. Like if all"},{"speaker":"Chris Spear","startTime":607.68,"endTime":610.23,"body":"these people are paying their"},{"speaker":"Chris Spear","startTime":610.23,"endTime":613.68,"body":"own way, they need to give"},{"speaker":"Chris Spear","startTime":610.23,"endTime":613.68,"body":"whoever's the hostess needs to"},{"speaker":"Chris Spear","startTime":613.68,"endTime":616.65,"body":"collect that money, and then pay"},{"speaker":"Chris Spear","startTime":613.68,"endTime":616.65,"body":"you out of their account. So if"},{"speaker":"Chris Spear","startTime":616.65,"endTime":618.12,"body":"we're buying or selling,"},{"speaker":"Matt Collins","startTime":618.18,"endTime":620.4,"body":"have a maximum,"},{"speaker":"Matt Collins","startTime":618.18,"endTime":620.4,"body":"how many times you can split a"},{"speaker":"Matt Collins","startTime":620.4,"endTime":623.97,"body":"check. So I think, you know, I"},{"speaker":"Matt Collins","startTime":620.4,"endTime":623.97,"body":"mean, I don't have the verbiage"},{"speaker":"Matt Collins","startTime":623.97,"endTime":626.43,"body":"on my website, but maybe I"},{"speaker":"Matt Collins","startTime":623.97,"endTime":626.43,"body":"should add it, I haven't had"},{"speaker":"Matt Collins","startTime":626.43,"endTime":629.61,"body":"that as many issues as what"},{"speaker":"Matt Collins","startTime":626.43,"endTime":629.61,"body":"you're having. But I've had some"},{"speaker":"Matt Collins","startTime":629.61,"endTime":634.02,"body":"times where it's, you know, I'm"},{"speaker":"Matt Collins","startTime":629.61,"endTime":634.02,"body":"gonna pay X percentage and so"},{"speaker":"Matt Collins","startTime":634.02,"endTime":635.7,"body":"on. So it's gonna pay the"},{"speaker":"Matt Collins","startTime":634.02,"endTime":635.7,"body":"balance, because you know, I've"},{"speaker":"Matt Collins","startTime":635.7,"endTime":639.27,"body":"had people's parents pay for"},{"speaker":"Matt Collins","startTime":635.7,"endTime":639.27,"body":"parties, you know, another"},{"speaker":"Matt Collins","startTime":639.27,"endTime":642.6,"body":"family member, split it with,"},{"speaker":"Matt Collins","startTime":639.27,"endTime":642.6,"body":"you know, brother and sister"},{"speaker":"Matt Collins","startTime":642.6,"endTime":645.03,"body":"paying for a parents"},{"speaker":"Matt Collins","startTime":642.6,"endTime":645.03,"body":"anniversary. And then a lot of"},{"speaker":"Matt Collins","startTime":645.03,"endTime":647.31,"body":"weird stuff, as long as you"},{"speaker":"Matt Collins","startTime":645.03,"endTime":647.31,"body":"know, people are clear with"},{"speaker":"Matt Collins","startTime":647.31,"endTime":650.34,"body":"what's happening, hey, I'm"},{"speaker":"Matt Collins","startTime":647.31,"endTime":650.34,"body":"paying the deposit. And then you"},{"speaker":"Matt Collins","startTime":650.34,"endTime":653.58,"body":"know, another ex, another"},{"speaker":"Matt Collins","startTime":650.34,"endTime":653.58,"body":"person, next week's gonna pay"},{"speaker":"Matt Collins","startTime":653.61,"endTime":656.64,"body":"the remainder of the balance"},{"speaker":"Matt Collins","startTime":653.61,"endTime":656.64,"body":"before the event, because that's"},{"speaker":"Matt Collins","startTime":656.64,"endTime":660.6,"body":"like a policy I have is, if"},{"speaker":"Matt Collins","startTime":656.64,"endTime":660.6,"body":"you're not at the event, the"},{"speaker":"Matt Collins","startTime":660.6,"endTime":664.86,"body":"party has the event has to be"},{"speaker":"Matt Collins","startTime":660.6,"endTime":664.86,"body":"paid for beforehand. You know,"},{"speaker":"Matt Collins","startTime":664.86,"endTime":668.85,"body":"it can be the week of the"},{"speaker":"Matt Collins","startTime":664.86,"endTime":668.85,"body":"balance, but you just can't not"},{"speaker":"Matt Collins","startTime":668.85,"endTime":672.36,"body":"be there and then me go hunt you"},{"speaker":"Matt Collins","startTime":668.85,"endTime":672.36,"body":"down. Like I'm not debt"},{"speaker":"Matt Collins","startTime":672.36,"endTime":676.71,"body":"collector. I'm not the Punisher."},{"speaker":"Matt Collins","startTime":672.36,"endTime":676.71,"body":"I'm not a, you know, Boba Fett?"},{"speaker":"Matt Collins","startTime":677.07,"endTime":682.2,"body":"No, you're Mr. Star Wars. So"},{"speaker":"Matt Collins","startTime":677.07,"endTime":682.2,"body":"that's like a whole crazy thing."},{"speaker":"Matt Collins","startTime":682.77,"endTime":687.3,"body":"When I first started the"},{"speaker":"Matt Collins","startTime":682.77,"endTime":687.3,"body":"business, I did a pop up. And"},{"speaker":"Matt Collins","startTime":687.3,"endTime":691.74,"body":"then my first public, I have my"},{"speaker":"Matt Collins","startTime":687.3,"endTime":691.74,"body":"first private event. I literally"},{"speaker":"Matt Collins","startTime":691.77,"endTime":696.12,"body":"gotten an email beef while at my"},{"speaker":"Matt Collins","startTime":691.77,"endTime":696.12,"body":"first ever private event about"},{"speaker":"Matt Collins","startTime":696.12,"endTime":701.55,"body":"someone who didn't like the"},{"speaker":"Matt Collins","startTime":696.12,"endTime":701.55,"body":"verbiage of my deposit form, and"},{"speaker":"Matt Collins","startTime":701.55,"endTime":705.21,"body":"was like, Well, do you take Zell"},{"speaker":"Matt Collins","startTime":701.55,"endTime":705.21,"body":"and I was like, I've never used"},{"speaker":"Matt Collins","startTime":705.21,"endTime":708.63,"body":"it, you can try sending it over."},{"speaker":"Matt Collins","startTime":705.21,"endTime":708.63,"body":"And then, you know, that was"},{"speaker":"Matt Collins","startTime":708.63,"endTime":711.48,"body":"like the beginning of the meal,"},{"speaker":"Matt Collins","startTime":708.63,"endTime":711.48,"body":"like the hors d'oeuvres, first"},{"speaker":"Matt Collins","startTime":711.48,"endTime":715.11,"body":"course. You know, I had a minute"},{"speaker":"Matt Collins","startTime":711.48,"endTime":715.11,"body":"sent, sent that email. And then"},{"speaker":"Matt Collins","startTime":715.11,"endTime":718.05,"body":"later by the entree, I'm like,"},{"speaker":"Matt Collins","startTime":715.11,"endTime":718.05,"body":"she's like, You got it. And I'm"},{"speaker":"Matt Collins","startTime":718.05,"endTime":721.26,"body":"like, I didn't get it. And then"},{"speaker":"Matt Collins","startTime":718.05,"endTime":721.26,"body":"I was literally had to call the"},{"speaker":"Matt Collins","startTime":721.26,"endTime":723.39,"body":"person step outside and was"},{"speaker":"Matt Collins","startTime":721.26,"endTime":723.39,"body":"like, Yo, you need to call your"},{"speaker":"Matt Collins","startTime":723.39,"endTime":726.93,"body":"bank call Bank of America called"},{"speaker":"Matt Collins","startTime":723.39,"endTime":726.93,"body":"Zell, I don't have it, I can't"},{"speaker":"Matt Collins","startTime":726.93,"endTime":730.08,"body":"send it back. And if I don't"},{"speaker":"Matt Collins","startTime":726.93,"endTime":730.08,"body":"have a deposit, then you know,"},{"speaker":"Matt Collins","startTime":730.08,"endTime":735.81,"body":"your your dinner in 910 days"},{"speaker":"Matt Collins","startTime":730.08,"endTime":735.81,"body":"isn't going to happen. Because"},{"speaker":"Matt Collins","startTime":735.84,"endTime":738.87,"body":"I'm not going to buy food. And"},{"speaker":"Matt Collins","startTime":735.84,"endTime":738.87,"body":"it was right when I started the"},{"speaker":"Matt Collins","startTime":738.87,"endTime":742.14,"body":"business, I had very little"},{"speaker":"Matt Collins","startTime":738.87,"endTime":742.14,"body":"money. It wasn't like, I was"},{"speaker":"Matt Collins","startTime":742.14,"endTime":744.72,"body":"like, Oh, I can go buy all this"},{"speaker":"Matt Collins","startTime":742.14,"endTime":744.72,"body":"food. And I needed that money to"},{"speaker":"Matt Collins","startTime":744.72,"endTime":748.53,"body":"buy the food. Like, I just"},{"speaker":"Matt Collins","startTime":744.72,"endTime":748.53,"body":"bought all my plates, my"},{"speaker":"Matt Collins","startTime":748.53,"endTime":752.61,"body":"website, and, you know, like,"},{"speaker":"Matt Collins","startTime":748.53,"endTime":752.61,"body":"whatever napkins glassware, so"},{"speaker":"Matt Collins","startTime":752.61,"endTime":755.49,"body":"where I was, the last thing I"},{"speaker":"Matt Collins","startTime":752.61,"endTime":755.49,"body":"needed to do was to spend a"},{"speaker":"Matt Collins","startTime":755.49,"endTime":760.08,"body":"couple of $100 on food, and not"},{"speaker":"Matt Collins","startTime":755.49,"endTime":760.08,"body":"ever get paid or go into the"},{"speaker":"Matt Collins","startTime":760.08,"endTime":761.19,"body":"Zell void."},{"speaker":"Chris Spear","startTime":761.97,"endTime":765.3,"body":"Yeah, I feel like"},{"speaker":"Chris Spear","startTime":761.97,"endTime":765.3,"body":"the Zell void is real. And this"},{"speaker":"Chris Spear","startTime":765.3,"endTime":767.82,"body":"makes me think that I did have a"},{"speaker":"Chris Spear","startTime":765.3,"endTime":767.82,"body":"customer a couple days ago who"},{"speaker":"Chris Spear","startTime":767.82,"endTime":770.1,"body":"said they're going to send a"},{"speaker":"Chris Spear","startTime":767.82,"endTime":770.1,"body":"deposit via Zell and now that I"},{"speaker":"Chris Spear","startTime":770.1,"endTime":772.2,"body":"think about it, I haven't seen"},{"speaker":"Chris Spear","startTime":770.1,"endTime":772.2,"body":"that. And I probably need to"},{"speaker":"Chris Spear","startTime":772.2,"endTime":775.35,"body":"reach out to her and say, Hey,"},{"speaker":"Chris Spear","startTime":772.2,"endTime":775.35,"body":"did you actually forget and not"},{"speaker":"Chris Spear","startTime":775.35,"endTime":778.53,"body":"send it? Or did you send it and"},{"speaker":"Chris Spear","startTime":775.35,"endTime":778.53,"body":"not realize that it was going to"},{"speaker":"Chris Spear","startTime":778.53,"endTime":781.92,"body":"the Zell void, and I didn't have"},{"speaker":"Chris Spear","startTime":778.53,"endTime":781.92,"body":"a valid account. So that's the"},{"speaker":"Chris Spear","startTime":781.92,"endTime":784.98,"body":"kind of stuff that like, can"},{"speaker":"Chris Spear","startTime":781.92,"endTime":784.98,"body":"easily slip by you, right? And"},{"speaker":"Chris Spear","startTime":784.98,"endTime":787.68,"body":"then I could see getting into an"},{"speaker":"Chris Spear","startTime":784.98,"endTime":787.68,"body":"argument, like at dinner when I"},{"speaker":"Chris Spear","startTime":787.68,"endTime":791.13,"body":"present like, the cheque, and"},{"speaker":"Chris Spear","startTime":787.68,"endTime":791.13,"body":"she says, there's $100 deposit."},{"speaker":"Chris Spear","startTime":791.13,"endTime":794.22,"body":"And now I have to, like, figure"},{"speaker":"Chris Spear","startTime":791.13,"endTime":794.22,"body":"out what happened to that $100"},{"speaker":"Chris Spear","startTime":794.22,"endTime":794.79,"body":"deposit?"},{"speaker":"Matt Collins","startTime":795.39,"endTime":799.71,"body":"Well, not to just"},{"speaker":"Matt Collins","startTime":795.39,"endTime":799.71,"body":"like, totally dump on on Venmo"},{"speaker":"Matt Collins","startTime":799.74,"endTime":802.26,"body":"as well, because that's another"},{"speaker":"Matt Collins","startTime":799.74,"endTime":802.26,"body":"thing where you were saying you"},{"speaker":"Matt Collins","startTime":802.26,"endTime":806.07,"body":"didn't have any fees, and based"},{"speaker":"Matt Collins","startTime":802.26,"endTime":806.07,"body":"on whatnot, like, right when"},{"speaker":"Matt Collins","startTime":806.1,"endTime":810.75,"body":"PayPal took over Venmo for me,"},{"speaker":"Matt Collins","startTime":806.1,"endTime":810.75,"body":"they instantly like messaged me,"},{"speaker":"Matt Collins","startTime":810.78,"endTime":813.66,"body":"because I don't know if your"},{"speaker":"Matt Collins","startTime":810.78,"endTime":813.66,"body":"name is your business name, I"},{"speaker":"Matt Collins","startTime":813.66,"endTime":817.41,"body":"made a business account separate"},{"speaker":"Matt Collins","startTime":813.66,"endTime":817.41,"body":"in so that way people don't see"},{"speaker":"Matt Collins","startTime":817.41,"endTime":821.67,"body":"like my partner paying me rent"},{"speaker":"Matt Collins","startTime":817.41,"endTime":821.67,"body":"or friends paying me whatever,"},{"speaker":"Matt Collins","startTime":821.7,"endTime":825.57,"body":"whenever I want to send money. I"},{"speaker":"Matt Collins","startTime":821.7,"endTime":825.57,"body":"just cuz everyone adds you, you"},{"speaker":"Matt Collins","startTime":825.57,"endTime":828.66,"body":"know what I mean? So I use my"},{"speaker":"Matt Collins","startTime":825.57,"endTime":828.66,"body":"personal for like a year. And I"},{"speaker":"Matt Collins","startTime":828.66,"endTime":830.37,"body":"was like, well, it's weird,"},{"speaker":"Matt Collins","startTime":828.66,"endTime":830.37,"body":"because all these people are"},{"speaker":"Matt Collins","startTime":830.37,"endTime":833.55,"body":"adding this account. You know,"},{"speaker":"Matt Collins","startTime":830.37,"endTime":833.55,"body":"every client would add it. And"},{"speaker":"Matt Collins","startTime":833.55,"endTime":835.95,"body":"then it's just like, they're"},{"speaker":"Matt Collins","startTime":833.55,"endTime":835.95,"body":"seeing all my stuff. It's just"},{"speaker":"Matt Collins","startTime":836.13,"endTime":839.52,"body":"made me uncomfortable. So I made"},{"speaker":"Matt Collins","startTime":836.13,"endTime":839.52,"body":"the business one. And then once"},{"speaker":"Matt Collins","startTime":839.52,"endTime":842.22,"body":"that switch over cam, they were"},{"speaker":"Matt Collins","startTime":839.52,"endTime":842.22,"body":"like, We don't care if you're"},{"speaker":"Matt Collins","startTime":842.73,"endTime":845.85,"body":"paying your staff, like we're"},{"speaker":"Matt Collins","startTime":842.73,"endTime":845.85,"body":"gonna hit you with a fee, it"},{"speaker":"Matt Collins","startTime":845.85,"endTime":848.49,"body":"doesn't matter. So it didn't"},{"speaker":"Matt Collins","startTime":845.85,"endTime":848.49,"body":"matter, friends or family or"},{"speaker":"Matt Collins","startTime":848.49,"endTime":852.09,"body":"anything anymore. And then I was"},{"speaker":"Matt Collins","startTime":848.49,"endTime":852.09,"body":"like, okay, whatever, I can work"},{"speaker":"Matt Collins","startTime":852.09,"endTime":855.93,"body":"that in. And then I had a"},{"speaker":"Matt Collins","startTime":852.09,"endTime":855.93,"body":"cancellation happen. And they"},{"speaker":"Matt Collins","startTime":855.93,"endTime":858.78,"body":"instantly you want the money out"},{"speaker":"Matt Collins","startTime":855.93,"endTime":858.78,"body":"of my account. And I was like,"},{"speaker":"Matt Collins","startTime":859.23,"endTime":862.44,"body":"my policy isn't you get every"},{"speaker":"Matt Collins","startTime":859.23,"endTime":862.44,"body":"single dollar back. They"},{"speaker":"Matt Collins","startTime":862.44,"endTime":865.89,"body":"canceled on a holiday weekend."},{"speaker":"Matt Collins","startTime":862.44,"endTime":865.89,"body":"In under 48 hours. I had"},{"speaker":"Matt Collins","startTime":865.89,"endTime":869.34,"body":"purchases I made. I had to"},{"speaker":"Matt Collins","startTime":865.89,"endTime":869.34,"body":"reimburse my staff. And so I had"},{"speaker":"Matt Collins","startTime":869.34,"endTime":871.92,"body":"to fight with Venmo. And it took"},{"speaker":"Matt Collins","startTime":869.34,"endTime":871.92,"body":"about a week to get the money"},{"speaker":"Matt Collins","startTime":871.92,"endTime":875.91,"body":"back. And then I just was like,"},{"speaker":"Matt Collins","startTime":871.92,"endTime":875.91,"body":"why am I going to pay fees if my"},{"speaker":"Matt Collins","startTime":875.91,"endTime":877.23,"body":"money is not protected?"},{"speaker":"Chris Spear","startTime":877.77,"endTime":879.96,"body":"So how did that"},{"speaker":"Chris Spear","startTime":877.77,"endTime":879.96,"body":"work? Like the customer reached"},{"speaker":"Chris Spear","startTime":879.96,"endTime":881.76,"body":"out to them and said like it"},{"speaker":"Matt Collins","startTime":883.2,"endTime":885.66,"body":"essentially was"},{"speaker":"Matt Collins","startTime":883.2,"endTime":885.66,"body":"like fraud, but they never"},{"speaker":"Matt Collins","startTime":885.66,"endTime":888.96,"body":"followed up with me. So they"},{"speaker":"Matt Collins","startTime":885.66,"endTime":888.96,"body":"just didn't say anything. So I"},{"speaker":"Matt Collins","startTime":888.96,"endTime":892.35,"body":"noticed like, I don't know, a"},{"speaker":"Matt Collins","startTime":888.96,"endTime":892.35,"body":"couple days after the event was"},{"speaker":"Matt Collins","startTime":892.35,"endTime":895.32,"body":"supposed to happen that the"},{"speaker":"Matt Collins","startTime":892.35,"endTime":895.32,"body":"money was taken out of my bank"},{"speaker":"Matt Collins","startTime":895.32,"endTime":898.26,"body":"account. And it was a good chunk"},{"speaker":"Matt Collins","startTime":895.32,"endTime":898.26,"body":"of change and it is maybe like"},{"speaker":"Matt Collins","startTime":898.29,"endTime":904.23,"body":"$1,800 So whatever it was 1500"},{"speaker":"Matt Collins","startTime":898.29,"endTime":904.23,"body":"so you kind of notice, my Daddy"},{"speaker":"Matt Collins","startTime":904.23,"endTime":907.47,"body":"Warbucks. So you kind of notice"},{"speaker":"Matt Collins","startTime":904.23,"endTime":907.47,"body":"what do grand comes out of your,"},{"speaker":"Matt Collins","startTime":907.77,"endTime":912.3,"body":"your, you know, your checking."},{"speaker":"Matt Collins","startTime":907.77,"endTime":912.3,"body":"And so I reached out and you"},{"speaker":"Matt Collins","startTime":912.3,"endTime":915.39,"body":"know, the spute, I had to"},{"speaker":"Matt Collins","startTime":912.3,"endTime":915.39,"body":"screenshot emails, you know,"},{"speaker":"Matt Collins","startTime":915.42,"endTime":918.9,"body":"explaining how much money I was"},{"speaker":"Matt Collins","startTime":915.42,"endTime":918.9,"body":"gonna give her back, etc,"},{"speaker":"Matt Collins","startTime":918.9,"endTime":922.11,"body":"showing all that, and then they,"},{"speaker":"Matt Collins","startTime":918.9,"endTime":922.11,"body":"they took care of it. But it"},{"speaker":"Matt Collins","startTime":922.11,"endTime":924.45,"body":"was, it was quite nerve racking."},{"speaker":"Matt Collins","startTime":922.11,"endTime":924.45,"body":"And that was like a hard"},{"speaker":"Matt Collins","startTime":924.45,"endTime":928.59,"body":"decision, because I still get"},{"speaker":"Matt Collins","startTime":924.45,"endTime":928.59,"body":"people who want to pay Venmo and"},{"speaker":"Matt Collins","startTime":928.59,"endTime":931.05,"body":"if they're in a hard spot,"},{"speaker":"Matt Collins","startTime":928.59,"endTime":931.05,"body":"they're in their own home, you"},{"speaker":"Matt Collins","startTime":931.05,"endTime":934.05,"body":"know, I'm not going to tell"},{"speaker":"Matt Collins","startTime":931.05,"endTime":934.05,"body":"them, you know, fuck off, you"},{"speaker":"Matt Collins","startTime":934.05,"endTime":937.26,"body":"know, I'll take it, I just"},{"speaker":"Matt Collins","startTime":934.05,"endTime":937.26,"body":"haven't send it to my personal"},{"speaker":"Matt Collins","startTime":937.26,"endTime":941.07,"body":"and hope that it doesn't get"},{"speaker":"Matt Collins","startTime":937.26,"endTime":941.07,"body":"flagged, and I'd much rather"},{"speaker":"Matt Collins","startTime":941.07,"endTime":946.14,"body":"lose. You know, I mean, 4% on"},{"speaker":"Matt Collins","startTime":941.07,"endTime":946.14,"body":"fees, if Venmo decides to take"},{"speaker":"Matt Collins","startTime":946.14,"endTime":950.01,"body":"the fees, then, you know, not"},{"speaker":"Matt Collins","startTime":946.14,"endTime":950.01,"body":"get paid the balance or or"},{"speaker":"Matt Collins","startTime":950.01,"endTime":953.49,"body":"upset. A customer doesn't"},{"speaker":"Matt Collins","startTime":950.01,"endTime":953.49,"body":"listen, which is it is what it"},{"speaker":"Matt Collins","startTime":953.49,"endTime":954.42,"body":"is, you know?"},{"speaker":"Chris Spear","startTime":954.72,"endTime":957.72,"body":"Yeah. And one of"},{"speaker":"Chris Spear","startTime":954.72,"endTime":957.72,"body":"the things I've, you know, most"},{"speaker":"Chris Spear","startTime":957.72,"endTime":960.21,"body":"of the time, or much of the time"},{"speaker":"Chris Spear","startTime":957.72,"endTime":960.21,"body":"people are drinking at these"},{"speaker":"Chris Spear","startTime":960.21,"endTime":963.45,"body":"parties. So when you get into"},{"speaker":"Chris Spear","startTime":960.21,"endTime":963.45,"body":"these multiple people hands in"},{"speaker":"Chris Spear","startTime":963.45,"endTime":965.7,"body":"the pot, I've had a number of"},{"speaker":"Chris Spear","startTime":963.45,"endTime":965.7,"body":"scenarios where you've got, you"},{"speaker":"Chris Spear","startTime":965.7,"endTime":969.12,"body":"know, five couples, and the wife"},{"speaker":"Chris Spear","startTime":965.7,"endTime":969.12,"body":"says, husband, okay, you know,"},{"speaker":"Chris Spear","startTime":969.15,"endTime":973.47,"body":"send him 200 bucks or whatever."},{"speaker":"Chris Spear","startTime":969.15,"endTime":973.47,"body":"And he's like, half drunk and"},{"speaker":"Chris Spear","startTime":973.47,"endTime":977.1,"body":"whatever. And he doesn't put in"},{"speaker":"Chris Spear","startTime":973.47,"endTime":977.1,"body":"the right name, thank God. Now"},{"speaker":"Chris Spear","startTime":977.1,"endTime":980.52,"body":"there's like a scan a QR code."},{"speaker":"Chris Spear","startTime":977.1,"endTime":980.52,"body":"And they sometimes need your"},{"speaker":"Chris Spear","startTime":980.52,"endTime":983.7,"body":"phone number to validate because"},{"speaker":"Chris Spear","startTime":980.52,"endTime":983.7,"body":"one time I was at a party, and"},{"speaker":"Chris Spear","startTime":983.7,"endTime":986.7,"body":"the people had like, no Wi Fi,"},{"speaker":"Chris Spear","startTime":983.7,"endTime":986.7,"body":"no reception in their house. And"},{"speaker":"Chris Spear","startTime":986.7,"endTime":989.46,"body":"I gave them my name. And they"},{"speaker":"Chris Spear","startTime":986.7,"endTime":989.46,"body":"said, they sent me the money."},{"speaker":"Chris Spear","startTime":989.79,"endTime":991.89,"body":"And I kept saying it wasn't"},{"speaker":"Chris Spear","startTime":989.79,"endTime":991.89,"body":"there. And they're like, no, no,"},{"speaker":"Chris Spear","startTime":991.89,"endTime":994.2,"body":"like, we just, there's no Wi Fi,"},{"speaker":"Chris Spear","startTime":991.89,"endTime":994.2,"body":"like, I'm sure when you get"},{"speaker":"Chris Spear","startTime":994.2,"endTime":997.47,"body":"home, it'll be fine. And like"},{"speaker":"Chris Spear","startTime":994.2,"endTime":997.47,"body":"two days go by and I still"},{"speaker":"Chris Spear","startTime":997.47,"endTime":999.57,"body":"didn't have the money. It turns"},{"speaker":"Chris Spear","startTime":997.47,"endTime":999.57,"body":"out, they sent it to the wrong"},{"speaker":"Chris Spear","startTime":999.57,"endTime":1002.6,"body":"person. Even though in all my"},{"speaker":"Chris Spear","startTime":999.57,"endTime":1002.6,"body":"emails, I'm saying like, here's"},{"speaker":"Chris Spear","startTime":1002.6,"endTime":1005.72,"body":"my Venmo. They said, I mean, if"},{"speaker":"Chris Spear","startTime":1002.6,"endTime":1005.72,"body":"you looked at the avatar, the"},{"speaker":"Chris Spear","startTime":1005.75,"endTime":1009.56,"body":"guy looked like an 18 year old"},{"speaker":"Chris Spear","startTime":1005.75,"endTime":1009.56,"body":"Filipino guy in his profile"},{"speaker":"Chris Spear","startTime":1009.56,"endTime":1012.44,"body":"picture, like at the gym, no one"},{"speaker":"Chris Spear","startTime":1009.56,"endTime":1012.44,"body":"knows. They think that that's"},{"speaker":"Chris Spear","startTime":1012.44,"endTime":1015.65,"body":"what you look like, I am an 18"},{"speaker":"Chris Spear","startTime":1012.44,"endTime":1015.65,"body":"year old Filipino guy. But you"},{"speaker":"Chris Spear","startTime":1015.65,"endTime":1017.69,"body":"know, like, clearly but everyone"},{"speaker":"Chris Spear","startTime":1015.65,"endTime":1017.69,"body":"was they're having drinks."},{"speaker":"Chris Spear","startTime":1017.69,"endTime":1020.54,"body":"They're like, Oh crispy, or send"},{"speaker":"Chris Spear","startTime":1017.69,"endTime":1020.54,"body":"a min mom, like I'm not crispy"},{"speaker":"Chris Spear","startTime":1020.54,"endTime":1024.32,"body":"or on Venmo. That's not my Venmo"},{"speaker":"Chris Spear","startTime":1020.54,"endTime":1024.32,"body":"it's Chris dashboard, dash six,"},{"speaker":"Chris Spear","startTime":1024.32,"endTime":1025.61,"body":"if anyone wants to send me any"},{"speaker":"Chris Spear","startTime":1024.32,"endTime":1025.61,"body":"money,"},{"speaker":"Matt Collins","startTime":1025.64,"endTime":1027.53,"body":"I was just gonna"},{"speaker":"Matt Collins","startTime":1025.64,"endTime":1027.53,"body":"make that joke that you should"},{"speaker":"Matt Collins","startTime":1027.53,"endTime":1030.29,"body":"say it so people can send you"},{"speaker":"Matt Collins","startTime":1027.53,"endTime":1030.29,"body":"some money. I remember that"},{"speaker":"Matt Collins","startTime":1030.29,"endTime":1033.74,"body":"knowing you. And it was a wacky"},{"speaker":"Matt Collins","startTime":1030.29,"endTime":1033.74,"body":"name. And that's like branding,"},{"speaker":"Matt Collins","startTime":1033.98,"endTime":1036.23,"body":"which is something to think"},{"speaker":"Matt Collins","startTime":1033.98,"endTime":1036.23,"body":"about from like a business owner"},{"speaker":"Matt Collins","startTime":1036.23,"endTime":1039.44,"body":"standpoint, if you have a demo,"},{"speaker":"Matt Collins","startTime":1036.23,"endTime":1039.44,"body":"that's like, not really your"},{"speaker":"Matt Collins","startTime":1039.44,"endTime":1043.07,"body":"name, like I have a very common"},{"speaker":"Matt Collins","startTime":1039.44,"endTime":1043.07,"body":"name, like, my personal demo"},{"speaker":"Matt Collins","startTime":1043.07,"endTime":1046.1,"body":"isn't Matt Collins? Because"},{"speaker":"Matt Collins","startTime":1043.07,"endTime":1046.1,"body":"there's no, I'd have to have so"},{"speaker":"Matt Collins","startTime":1046.1,"endTime":1049.22,"body":"many numbers after I just looked"},{"speaker":"Matt Collins","startTime":1046.1,"endTime":1049.22,"body":"like a twitter bot. Because it's"},{"speaker":"Matt Collins","startTime":1049.22,"endTime":1053.24,"body":"just like a common common name."},{"speaker":"Matt Collins","startTime":1049.22,"endTime":1053.24,"body":"And so that's like, one of the"},{"speaker":"Matt Collins","startTime":1053.24,"endTime":1056.93,"body":"things to or why do you want to"},{"speaker":"Matt Collins","startTime":1053.24,"endTime":1056.93,"body":"hyphenate things and dashes like"},{"speaker":"Matt Collins","startTime":1056.93,"endTime":1059.06,"body":"when you want it to like"},{"speaker":"Matt Collins","startTime":1056.93,"endTime":1059.06,"body":"streamline across all your"},{"speaker":"Matt Collins","startTime":1059.06,"endTime":1062.87,"body":"platforms and, and if you can't"},{"speaker":"Matt Collins","startTime":1059.06,"endTime":1062.87,"body":"get that one, maybe it's like a"},{"speaker":"Matt Collins","startTime":1062.87,"endTime":1067.64,"body":"red flag of like, I don't want"},{"speaker":"Matt Collins","startTime":1062.87,"endTime":1067.64,"body":"people accidentally paying the"},{"speaker":"Matt Collins","startTime":1067.64,"endTime":1071.6,"body":"wrong person just because they"},{"speaker":"Matt Collins","startTime":1067.64,"endTime":1071.6,"body":"got my business name before me."},{"speaker":"Matt Collins","startTime":1071.96,"endTime":1074.84,"body":"Because, you know, a lot of"},{"speaker":"Matt Collins","startTime":1071.96,"endTime":1074.84,"body":"people, you know, I see in the"},{"speaker":"Matt Collins","startTime":1074.84,"endTime":1077.33,"body":"groups and stuff, they have"},{"speaker":"Matt Collins","startTime":1074.84,"endTime":1077.33,"body":"names that are kind of like, you"},{"speaker":"Matt Collins","startTime":1077.33,"endTime":1081.14,"body":"know, quirky things like the,"},{"speaker":"Matt Collins","startTime":1077.33,"endTime":1081.14,"body":"the, you know, like an animal"},{"speaker":"Matt Collins","startTime":1081.17,"endTime":1084.56,"body":"Senate or something like the"},{"speaker":"Matt Collins","startTime":1081.17,"endTime":1084.56,"body":"cilantro Raven and stuff. And"},{"speaker":"Matt Collins","startTime":1085.01,"endTime":1088.1,"body":"like, someone else might have"},{"speaker":"Matt Collins","startTime":1085.01,"endTime":1088.1,"body":"that name for whatever else you"},{"speaker":"Matt Collins","startTime":1088.1,"endTime":1089.99,"body":"need. I mean, they have like,"},{"speaker":"Matt Collins","startTime":1088.1,"endTime":1089.99,"body":"these cute names, like the"},{"speaker":"Matt Collins","startTime":1089.99,"endTime":1093.56,"body":"wilted onion, and, you know, all"},{"speaker":"Matt Collins","startTime":1089.99,"endTime":1093.56,"body":"this, like, you know, you know,"},{"speaker":"Matt Collins","startTime":1093.59,"endTime":1093.95,"body":"like,"},{"speaker":"Chris Spear","startTime":1094.43,"endTime":1096.14,"body":"nice thinking on"},{"speaker":"Chris Spear","startTime":1094.43,"endTime":1096.14,"body":"the spot. They're"},{"speaker":"Matt Collins","startTime":1096.289,"endTime":1098.149,"body":"mangoes and"},{"speaker":"Matt Collins","startTime":1096.289,"endTime":1098.149,"body":"porridge, I don't know, they"},{"speaker":"Matt Collins","startTime":1098.149,"endTime":1099.829,"body":"have these like names. And it"},{"speaker":"Matt Collins","startTime":1098.149,"endTime":1099.829,"body":"says something that"},{"speaker":"Matt Collins","startTime":1099.859,"endTime":1104.089,"body":"proprietarily someone else can"},{"speaker":"Matt Collins","startTime":1099.859,"endTime":1104.089,"body":"also have for whatever other"},{"speaker":"Matt Collins","startTime":1104.089,"endTime":1106.909,"body":"purpose. And you know, just"},{"speaker":"Matt Collins","startTime":1104.089,"endTime":1106.909,"body":"because they think it's cute, or"},{"speaker":"Matt Collins","startTime":1106.909,"endTime":1110.149,"body":"it's from like a movie reference"},{"speaker":"Matt Collins","startTime":1106.909,"endTime":1110.149,"body":"or something. And so it's just,"},{"speaker":"Matt Collins","startTime":1110.179,"endTime":1114.289,"body":"it's just kind of something to"},{"speaker":"Matt Collins","startTime":1110.179,"endTime":1114.289,"body":"think about, you know, and like,"},{"speaker":"Matt Collins","startTime":1114.319,"endTime":1117.589,"body":"it's not a great thing. That's"},{"speaker":"Matt Collins","startTime":1114.319,"endTime":1117.589,"body":"why I hate Twitter, because it's"},{"speaker":"Matt Collins","startTime":1117.589,"endTime":1120.499,"body":"like, I It's my name, my"},{"speaker":"Matt Collins","startTime":1117.589,"endTime":1120.499,"body":"business name is too long to do"},{"speaker":"Matt Collins","startTime":1120.499,"endTime":1122.299,"body":"on Twitter. So I just don't like"},{"speaker":"Matt Collins","startTime":1120.499,"endTime":1122.299,"body":"it."},{"speaker":"Chris Spear","startTime":1123.079,"endTime":1125.539,"body":"My two I'm perfect"},{"speaker":"Chris Spear","startTime":1123.079,"endTime":1125.539,"body":"little bites on almost every"},{"speaker":"Chris Spear","startTime":1125.539,"endTime":1130.369,"body":"platform, except I have to be"},{"speaker":"Chris Spear","startTime":1125.539,"endTime":1130.369,"body":"like PRF. CTLITL bites on"},{"speaker":"Chris Spear","startTime":1130.369,"endTime":1131.599,"body":"Twitter. And it's annoying."},{"speaker":"Matt Collins","startTime":1131.75,"endTime":1134.54,"body":"That's your stock"},{"speaker":"Matt Collins","startTime":1131.75,"endTime":1134.54,"body":"names. When you go public. It is"},{"speaker":"Matt Collins","startTime":1134.57,"endTime":1137.81,"body":"for you RFT bytes stuck."},{"speaker":"Chris Spear","startTime":1138.05,"endTime":1140.66,"body":"So what options are"},{"speaker":"Chris Spear","startTime":1138.05,"endTime":1140.66,"body":"you accepting? Like when you"},{"speaker":"Chris Spear","startTime":1140.66,"endTime":1143.18,"body":"talk to customers about how they"},{"speaker":"Chris Spear","startTime":1140.66,"endTime":1143.18,"body":"can pay you? What do you tell"},{"speaker":"Chris Spear","startTime":1143.18,"endTime":1143.96,"body":"them upfront?"},{"speaker":"Matt Collins","startTime":1144.41,"endTime":1146.96,"body":"Yeah, so it's i"},{"speaker":"Matt Collins","startTime":1144.41,"endTime":1146.96,"body":"It's on my website. And I"},{"speaker":"Matt Collins","startTime":1146.96,"endTime":1149.6,"body":"emailed over them too. And I"},{"speaker":"Matt Collins","startTime":1146.96,"endTime":1149.6,"body":"always say it on the phone that"},{"speaker":"Matt Collins","startTime":1149.6,"endTime":1153.77,"body":"if you want to pay the deposit,"},{"speaker":"Matt Collins","startTime":1149.6,"endTime":1153.77,"body":"it's a check in the mail, or"},{"speaker":"Matt Collins","startTime":1153.77,"endTime":1157.13,"body":"processing through square which"},{"speaker":"Matt Collins","startTime":1153.77,"endTime":1157.13,"body":"credit card which people can"},{"speaker":"Matt Collins","startTime":1157.13,"endTime":1160.25,"body":"link Cash App to that and all"},{"speaker":"Matt Collins","startTime":1157.13,"endTime":1160.25,"body":"their stuff. And that's on their"},{"speaker":"Matt Collins","startTime":1160.25,"endTime":1163.52,"body":"hands. So I don't have to have a"},{"speaker":"Matt Collins","startTime":1160.25,"endTime":1163.52,"body":"Cash App. And also squares"},{"speaker":"Matt Collins","startTime":1163.52,"endTime":1166.43,"body":"Great. I'm not paid by square I"},{"speaker":"Matt Collins","startTime":1163.52,"endTime":1166.43,"body":"just don't have been using for"},{"speaker":"Matt Collins","startTime":1166.43,"endTime":1169.16,"body":"years and they've never talked"},{"speaker":"Matt Collins","startTime":1166.43,"endTime":1169.16,"body":"to me and for lack of a better"},{"speaker":"Matt Collins","startTime":1169.16,"endTime":1172.79,"body":"term. Family Show I guess or"},{"speaker":"Matt Collins","startTime":1169.16,"endTime":1172.79,"body":"not. We're all adults. Now. You"},{"speaker":"Matt Collins","startTime":1172.79,"endTime":1175.61,"body":"can use the F word on the show."},{"speaker":"Matt Collins","startTime":1172.79,"endTime":1175.61,"body":"Oh, yeah, you're gonna lose that"},{"speaker":"Matt Collins","startTime":1175.61,"endTime":1182.12,"body":"monetization. You can get one fn"},{"speaker":"Matt Collins","startTime":1175.61,"endTime":1182.12,"body":"to make it PG 13 Okay. We're"},{"speaker":"Matt Collins","startTime":1182.12,"endTime":1186.35,"body":"out. Oh, no, go go edit that"},{"speaker":"Matt Collins","startTime":1182.12,"endTime":1186.35,"body":"out. bleep it out. But square"},{"speaker":"Matt Collins","startTime":1186.38,"endTime":1188.9,"body":"square has all these update"},{"speaker":"Matt Collins","startTime":1186.38,"endTime":1188.9,"body":"settings to where they send"},{"speaker":"Matt Collins","startTime":1188.9,"endTime":1194.54,"body":"reminders. So I've had people"},{"speaker":"Matt Collins","startTime":1188.9,"endTime":1194.54,"body":"who will tell me, Hey, I'm gonna"},{"speaker":"Matt Collins","startTime":1194.54,"endTime":1197.93,"body":"pay after Friday after my check"},{"speaker":"Matt Collins","startTime":1194.54,"endTime":1197.93,"body":"clears I'll pay the deposit and"},{"speaker":"Matt Collins","startTime":1197.93,"endTime":1199.97,"body":"I'm again no worries. You're"},{"speaker":"Matt Collins","startTime":1197.93,"endTime":1199.97,"body":"just gonna get emails until it"},{"speaker":"Matt Collins","startTime":1200.0,"endTime":1202.67,"body":"happens. It's not me it's part"},{"speaker":"Matt Collins","startTime":1200.0,"endTime":1202.67,"body":"of the system. And I just let"},{"speaker":"Matt Collins","startTime":1202.67,"endTime":1204.77,"body":"them know sometimes I feel bad."},{"speaker":"Matt Collins","startTime":1202.67,"endTime":1204.77,"body":"I'm like, oh, man, this person"},{"speaker":"Matt Collins","startTime":1204.77,"endTime":1208.34,"body":"got like, one email a day, the"},{"speaker":"Matt Collins","startTime":1204.77,"endTime":1208.34,"body":"last week, because they haven't"},{"speaker":"Matt Collins","startTime":1208.34,"endTime":1211.52,"body":"paid and I don't want to be a"},{"speaker":"Matt Collins","startTime":1208.34,"endTime":1211.52,"body":"dork, but at least it's not me"},{"speaker":"Matt Collins","startTime":1211.52,"endTime":1214.61,"body":"doing it. It's like an automated"},{"speaker":"Matt Collins","startTime":1211.52,"endTime":1214.61,"body":"thing. And then it reminds"},{"speaker":"Matt Collins","startTime":1214.61,"endTime":1217.97,"body":"people to and because I've had"},{"speaker":"Matt Collins","startTime":1214.61,"endTime":1217.97,"body":"people that I've left because"},{"speaker":"Matt Collins","startTime":1217.97,"endTime":1220.94,"body":"they were drunk. And they're"},{"speaker":"Matt Collins","startTime":1217.97,"endTime":1220.94,"body":"like, I want to pay via credit"},{"speaker":"Matt Collins","startTime":1220.94,"endTime":1223.79,"body":"card and I send them over the"},{"speaker":"Matt Collins","startTime":1220.94,"endTime":1223.79,"body":"invoice. And you know, it's the"},{"speaker":"Matt Collins","startTime":1223.79,"endTime":1226.79,"body":"only people I trust, but"},{"speaker":"Matt Collins","startTime":1223.79,"endTime":1226.79,"body":"sometimes it takes a couple days"},{"speaker":"Matt Collins","startTime":1226.79,"endTime":1231.44,"body":"from the pay it but every"},{"speaker":"Matt Collins","startTime":1226.79,"endTime":1231.44,"body":"whatever, 48 hours, squares like"},{"speaker":"Matt Collins","startTime":1231.47,"endTime":1235.25,"body":"a unpaid invoice and it emails"},{"speaker":"Matt Collins","startTime":1231.47,"endTime":1235.25,"body":"me to as well that they saw it."},{"speaker":"Chris Spear","startTime":1235.58,"endTime":1237.98,"body":"So you're okay,"},{"speaker":"Chris Spear","startTime":1235.58,"endTime":1237.98,"body":"leaving without having all your"},{"speaker":"Chris Spear","startTime":1237.98,"endTime":1239.27,"body":"money? It depends"},{"speaker":"Matt Collins","startTime":1239.27,"endTime":1241.58,"body":"on the person. And"},{"speaker":"Matt Collins","startTime":1239.27,"endTime":1241.58,"body":"it depends on the amount of"},{"speaker":"Matt Collins","startTime":1241.58,"endTime":1247.22,"body":"money and how other things like"},{"speaker":"Matt Collins","startTime":1241.58,"endTime":1247.22,"body":"if they're if they live in close"},{"speaker":"Matt Collins","startTime":1247.22,"endTime":1248.06,"body":"proximity to me,"},{"speaker":"Chris Spear","startTime":1248.09,"endTime":1250.43,"body":"like I can come to"},{"speaker":"Chris Spear","startTime":1248.09,"endTime":1250.43,"body":"your house and knock on your"},{"speaker":"Chris Spear","startTime":1250.43,"endTime":1253.28,"body":"door saying I want my $2 it"},{"speaker":"Chris Spear","startTime":1250.43,"endTime":1253.28,"body":"doesn't"},{"speaker":"Matt Collins","startTime":1253.28,"endTime":1254.9,"body":"happen often. I"},{"speaker":"Matt Collins","startTime":1253.28,"endTime":1254.9,"body":"don't want this new thing to"},{"speaker":"Matt Collins","startTime":1254.9,"endTime":1258.35,"body":"happen. We're now I said online,"},{"speaker":"Matt Collins","startTime":1254.9,"endTime":1258.35,"body":"that I'm not a total hard ass."},{"speaker":"Matt Collins","startTime":1258.68,"endTime":1261.2,"body":"I'm normally kind of a weirdo"},{"speaker":"Matt Collins","startTime":1258.68,"endTime":1261.2,"body":"normally kind of like hanging"},{"speaker":"Matt Collins","startTime":1261.2,"endTime":1263.63,"body":"out in the kitchen like sipping"},{"speaker":"Matt Collins","startTime":1261.2,"endTime":1263.63,"body":"on a glass of wine or some of"},{"speaker":"Matt Collins","startTime":1263.63,"endTime":1267.23,"body":"the weight and you're still"},{"speaker":"Matt Collins","startTime":1263.63,"endTime":1267.23,"body":"here. You're still here, the"},{"speaker":"Matt Collins","startTime":1267.23,"endTime":1270.2,"body":"movies over go home. And I'm"},{"speaker":"Matt Collins","startTime":1267.23,"endTime":1270.2,"body":"like, Yeah, well you owe me X"},{"speaker":"Matt Collins","startTime":1270.2,"endTime":1273.14,"body":"amount of money, can we settle"},{"speaker":"Matt Collins","startTime":1270.2,"endTime":1273.14,"body":"up, or I'll send a text to the"},{"speaker":"Matt Collins","startTime":1273.14,"endTime":1273.59,"body":"host."},{"speaker":"Chris Spear","startTime":1273.74,"endTime":1276.41,"body":"Because going back"},{"speaker":"Chris Spear","startTime":1273.74,"endTime":1276.41,"body":"to the Wi Fi issue, like and"},{"speaker":"Chris Spear","startTime":1276.41,"endTime":1280.49,"body":"reception issue. I do lots and"},{"speaker":"Chris Spear","startTime":1276.41,"endTime":1280.49,"body":"like cabins and on the mountains"},{"speaker":"Chris Spear","startTime":1280.49,"endTime":1282.35,"body":"and whatever. And like I was"},{"speaker":"Chris Spear","startTime":1280.49,"endTime":1282.35,"body":"doing a dinner one time and"},{"speaker":"Chris Spear","startTime":1282.59,"endTime":1285.08,"body":"these people you know, out by"},{"speaker":"Chris Spear","startTime":1282.59,"endTime":1285.08,"body":"the fire, and they're trying to"},{"speaker":"Chris Spear","startTime":1285.08,"endTime":1288.05,"body":"Venmo me and it won't go through"},{"speaker":"Chris Spear","startTime":1285.08,"endTime":1288.05,"body":"and I just had to leave like"},{"speaker":"Chris Spear","startTime":1288.05,"endTime":1290.78,"body":"hoping he'd pay me tomorrow. And"},{"speaker":"Chris Spear","startTime":1288.05,"endTime":1290.78,"body":"I wasn't worried. But I did have"},{"speaker":"Chris Spear","startTime":1290.78,"endTime":1293.27,"body":"someone helping me that night."},{"speaker":"Chris Spear","startTime":1290.78,"endTime":1293.27,"body":"And she was like, she has her"},{"speaker":"Chris Spear","startTime":1293.27,"endTime":1295.73,"body":"own business. And she's like,"},{"speaker":"Chris Spear","startTime":1293.27,"endTime":1295.73,"body":"Oh, hell no, like I am not"},{"speaker":"Chris Spear","startTime":1295.73,"endTime":1298.85,"body":"leaving property until I'm paid"},{"speaker":"Chris Spear","startTime":1295.73,"endTime":1298.85,"body":"in full. There's no way I would"},{"speaker":"Chris Spear","startTime":1298.85,"endTime":1300.74,"body":"get in that car and leave"},{"speaker":"Chris Spear","startTime":1298.85,"endTime":1300.74,"body":"without knowing that I had the"},{"speaker":"Chris Spear","startTime":1300.74,"endTime":1301.73,"body":"money. But this"},{"speaker":"Matt Collins","startTime":1301.73,"endTime":1304.01,"body":"goes here like"},{"speaker":"Matt Collins","startTime":1301.73,"endTime":1304.01,"body":"Airbnb rental things and you"},{"speaker":"Matt Collins","startTime":1304.01,"endTime":1306.62,"body":"know, the town's you know, if"},{"speaker":"Matt Collins","startTime":1304.01,"endTime":1306.62,"body":"you're going out into the woods,"},{"speaker":"Matt Collins","startTime":1306.92,"endTime":1309.14,"body":"you know, I mean, like, if I'm"},{"speaker":"Matt Collins","startTime":1306.92,"endTime":1309.14,"body":"going to town in the Poconos, or"},{"speaker":"Matt Collins","startTime":1309.14,"endTime":1311.87,"body":"somewhere weird or out in the"},{"speaker":"Matt Collins","startTime":1309.14,"endTime":1311.87,"body":"woods, where my phone doesn't"},{"speaker":"Matt Collins","startTime":1311.87,"endTime":1316.7,"body":"work, I'm gonna recommend that"},{"speaker":"Matt Collins","startTime":1311.87,"endTime":1316.7,"body":"it's paid in cash before I get"},{"speaker":"Matt Collins","startTime":1316.7,"endTime":1319.22,"body":"there. I'm like, Hey, I don't"},{"speaker":"Matt Collins","startTime":1316.7,"endTime":1319.22,"body":"know if the credit card process"},{"speaker":"Matt Collins","startTime":1319.22,"endTime":1321.86,"body":"is gonna work. I don't know. You"},{"speaker":"Matt Collins","startTime":1319.22,"endTime":1321.86,"body":"know, but you know, typically I"},{"speaker":"Matt Collins","startTime":1321.86,"endTime":1324.35,"body":"hook up to the Wi Fi, if that's"},{"speaker":"Matt Collins","startTime":1321.86,"endTime":1324.35,"body":"the case. But you know, you"},{"speaker":"Matt Collins","startTime":1324.35,"endTime":1326.93,"body":"never know, because sometimes"},{"speaker":"Matt Collins","startTime":1324.35,"endTime":1326.93,"body":"it's a rental verbo or"},{"speaker":"Matt Collins","startTime":1326.93,"endTime":1329.81,"body":"something, or maybe the Wi Fi is"},{"speaker":"Matt Collins","startTime":1326.93,"endTime":1329.81,"body":"down, where it's just like he's"},{"speaker":"Matt Collins","startTime":1329.81,"endTime":1332.03,"body":"got to have a backup plan. And"},{"speaker":"Matt Collins","startTime":1329.81,"endTime":1332.03,"body":"that's like, we're, you know,"},{"speaker":"Matt Collins","startTime":1332.03,"endTime":1334.55,"body":"I'll take Hey, just give me a"},{"speaker":"Matt Collins","startTime":1332.03,"endTime":1334.55,"body":"check. Because I don't think"},{"speaker":"Matt Collins","startTime":1334.55,"endTime":1337.1,"body":"people are generally gonna"},{"speaker":"Matt Collins","startTime":1334.55,"endTime":1337.1,"body":"commit the fraud. You know, you"},{"speaker":"Matt Collins","startTime":1337.1,"endTime":1343.58,"body":"have you have a check. I had a"},{"speaker":"Matt Collins","startTime":1337.1,"endTime":1343.58,"body":"huge, huge multi day event paid"},{"speaker":"Matt Collins","startTime":1343.58,"endTime":1348.26,"body":"by cheque, and the person"},{"speaker":"Matt Collins","startTime":1343.58,"endTime":1348.26,"body":"cancelled the check. Wow, why"},{"speaker":"Chris Spear","startTime":1348.26,"endTime":1348.86,"body":"was that?"},{"speaker":"Matt Collins","startTime":1349.37,"endTime":1351.5,"body":"Um, what I think"},{"speaker":"Matt Collins","startTime":1349.37,"endTime":1351.5,"body":"it was, is that there wasn't"},{"speaker":"Matt Collins","startTime":1351.53,"endTime":1354.44,"body":"there. There are secondary"},{"speaker":"Matt Collins","startTime":1351.53,"endTime":1354.44,"body":"fridges in their garage where I"},{"speaker":"Matt Collins","startTime":1354.44,"endTime":1359.15,"body":"was supposed to sort of the food"},{"speaker":"Matt Collins","startTime":1354.44,"endTime":1359.15,"body":"broke. And so I told them, and"},{"speaker":"Matt Collins","startTime":1359.15,"endTime":1362.99,"body":"they're like, they had so much"},{"speaker":"Matt Collins","startTime":1359.15,"endTime":1362.99,"body":"alcohol and smelters in their"},{"speaker":"Matt Collins","startTime":1362.99,"endTime":1367.04,"body":"fridge in the kitchen that they"},{"speaker":"Matt Collins","startTime":1362.99,"endTime":1367.04,"body":"had nowhere to put it. And so it"},{"speaker":"Matt Collins","startTime":1367.04,"endTime":1371.18,"body":"got trashed the leftovers and I"},{"speaker":"Matt Collins","startTime":1367.04,"endTime":1371.18,"body":"don't normally provide"},{"speaker":"Matt Collins","startTime":1371.18,"endTime":1373.1,"body":"leftovers. I normally do a"},{"speaker":"Matt Collins","startTime":1371.18,"endTime":1373.1,"body":"seated dinner. But this was like"},{"speaker":"Matt Collins","startTime":1373.1,"endTime":1376.88,"body":"a family style thing. So I saved"},{"speaker":"Matt Collins","startTime":1373.1,"endTime":1376.88,"body":"the stuff. But you know, things"},{"speaker":"Matt Collins","startTime":1376.88,"endTime":1380.84,"body":"sat out for a while it was a hot"},{"speaker":"Matt Collins","startTime":1376.88,"endTime":1380.84,"body":"summer day temperature zone. So"},{"speaker":"Matt Collins","startTime":1380.84,"endTime":1383.99,"body":"I think they were just bitter,"},{"speaker":"Matt Collins","startTime":1380.84,"endTime":1383.99,"body":"that they didn't have leftovers."},{"speaker":"Chris Spear","startTime":1384.019,"endTime":1387.199,"body":"So they ate the"},{"speaker":"Chris Spear","startTime":1384.019,"endTime":1387.199,"body":"whole meal, everyone got fed. It"},{"speaker":"Chris Spear","startTime":1387.199,"endTime":1387.799,"body":"was multiple"},{"speaker":"Matt Collins","startTime":1387.8,"endTime":1389.87,"body":"meals, it was a"},{"speaker":"Matt Collins","startTime":1387.8,"endTime":1389.87,"body":"malt. It was a three day event"},{"speaker":"Matt Collins","startTime":1389.87,"endTime":1393.77,"body":"of breakfast, lunch and dinner"},{"speaker":"Matt Collins","startTime":1389.87,"endTime":1393.77,"body":"for about a dozen ladies. So it"},{"speaker":"Matt Collins","startTime":1393.77,"endTime":1397.34,"body":"was a good sum of money. And"},{"speaker":"Matt Collins","startTime":1393.77,"endTime":1397.34,"body":"then for whatever reason, some"},{"speaker":"Matt Collins","startTime":1397.49,"endTime":1401.3,"body":"either the client or the clients"},{"speaker":"Matt Collins","startTime":1397.49,"endTime":1401.3,"body":"assistant, they canceled the"},{"speaker":"Matt Collins","startTime":1401.3,"endTime":1405.98,"body":"check, saying they did it wasn't"},{"speaker":"Matt Collins","startTime":1401.3,"endTime":1405.98,"body":"signed. But then I just called"},{"speaker":"Matt Collins","startTime":1405.98,"endTime":1407.51,"body":"them up. It was like, Hey,"},{"speaker":"Matt Collins","startTime":1405.98,"endTime":1407.51,"body":"you're gonna have to literally"},{"speaker":"Matt Collins","startTime":1407.51,"endTime":1411.47,"body":"pay me today, like via credit"},{"speaker":"Matt Collins","startTime":1407.51,"endTime":1411.47,"body":"card. This is insane. But they"},{"speaker":"Matt Collins","startTime":1411.47,"endTime":1414.17,"body":"did some weird thing acting like"},{"speaker":"Matt Collins","startTime":1411.47,"endTime":1414.17,"body":"I wouldn't notice that, you"},{"speaker":"Matt Collins","startTime":1414.17,"endTime":1419.6,"body":"know, $4,000 wasn't in my, my"},{"speaker":"Matt Collins","startTime":1414.17,"endTime":1419.6,"body":"checking. So it came out and"},{"speaker":"Matt Collins","startTime":1419.6,"endTime":1422.93,"body":"then I got I got hit with a fee"},{"speaker":"Matt Collins","startTime":1419.6,"endTime":1422.93,"body":"from the bank from the cheque"},{"speaker":"Matt Collins","startTime":1422.93,"endTime":1427.19,"body":"being cancelled. Because it was"},{"speaker":"Matt Collins","startTime":1422.93,"endTime":1427.19,"body":"as if I stole their checkbook"},{"speaker":"Matt Collins","startTime":1427.19,"endTime":1429.56,"body":"and wrote the check I get, I'm"},{"speaker":"Matt Collins","startTime":1427.19,"endTime":1429.56,"body":"not really sure with some"},{"speaker":"Matt Collins","startTime":1429.56,"endTime":1432.23,"body":"legality thing. And so I had a"},{"speaker":"Matt Collins","startTime":1429.56,"endTime":1432.23,"body":"fee from Bank of America for"},{"speaker":"Matt Collins","startTime":1432.23,"endTime":1435.95,"body":"either 50 or $100 that I tacked"},{"speaker":"Matt Collins","startTime":1432.23,"endTime":1435.95,"body":"on, and was like, Yeah, I'm not"},{"speaker":"Matt Collins","startTime":1435.95,"endTime":1439.07,"body":"paying that, like you canceled"},{"speaker":"Matt Collins","startTime":1435.95,"endTime":1439.07,"body":"the check. Like it because my"},{"speaker":"Matt Collins","startTime":1439.07,"endTime":1442.16,"body":"balance and my deposit are the"},{"speaker":"Matt Collins","startTime":1439.07,"endTime":1442.16,"body":"same number. If there's no"},{"speaker":"Matt Collins","startTime":1442.16,"endTime":1445.67,"body":"changes, if you don't change, so"},{"speaker":"Matt Collins","startTime":1442.16,"endTime":1445.67,"body":"it's the exact same number. So"},{"speaker":"Matt Collins","startTime":1445.67,"endTime":1449.42,"body":"you know, like you it's no"},{"speaker":"Matt Collins","startTime":1445.67,"endTime":1449.42,"body":"confusion. It's not like that's"},{"speaker":"Matt Collins","startTime":1449.42,"endTime":1452.63,"body":"why a lot of people do like"},{"speaker":"Matt Collins","startTime":1449.42,"endTime":1452.63,"body":"smaller dollar fees. But I never"},{"speaker":"Matt Collins","startTime":1452.63,"endTime":1456.59,"body":"really understood like, Oh, hey,"},{"speaker":"Matt Collins","startTime":1452.63,"endTime":1456.59,"body":"so $200 to hold the date. That"},{"speaker":"Matt Collins","startTime":1456.62,"endTime":1459.44,"body":"what is that? $200 If it's a"},{"speaker":"Matt Collins","startTime":1456.62,"endTime":1459.44,"body":"couple $1,000 party,"},{"speaker":"Chris Spear","startTime":1459.47,"endTime":1461.15,"body":"it's like skin in"},{"speaker":"Chris Spear","startTime":1459.47,"endTime":1461.15,"body":"the game though. Like, I feel"},{"speaker":"Chris Spear","startTime":1461.15,"endTime":1463.46,"body":"like people won't duck out"},{"speaker":"Chris Spear","startTime":1461.15,"endTime":1463.46,"body":"because, you know, I've just"},{"speaker":"Chris Spear","startTime":1463.46,"endTime":1466.76,"body":"noticed, and I want to get into"},{"speaker":"Chris Spear","startTime":1463.46,"endTime":1466.76,"body":"deposits. So I'll make this"},{"speaker":"Chris Spear","startTime":1466.76,"endTime":1469.67,"body":"quick but like, I never charged"},{"speaker":"Chris Spear","startTime":1466.76,"endTime":1469.67,"body":"the deposit. If you listen to my"},{"speaker":"Chris Spear","startTime":1469.67,"endTime":1472.85,"body":"old podcast I talked about like"},{"speaker":"Chris Spear","startTime":1469.67,"endTime":1472.85,"body":"never having a deposit. And then"},{"speaker":"Chris Spear","startTime":1472.91,"endTime":1474.83,"body":"maybe a year and a half ago I"},{"speaker":"Chris Spear","startTime":1472.91,"endTime":1474.83,"body":"just started to have a lot of"},{"speaker":"Chris Spear","startTime":1474.83,"endTime":1478.67,"body":"cancellations like not like we"},{"speaker":"Chris Spear","startTime":1474.83,"endTime":1478.67,"body":"weren't even necessarily having"},{"speaker":"Chris Spear","startTime":1478.67,"endTime":1481.58,"body":"the menu but it would be like"},{"speaker":"Chris Spear","startTime":1478.67,"endTime":1481.58,"body":"the process of like you want"},{"speaker":"Chris Spear","startTime":1481.61,"endTime":1484.37,"body":"this date. It's you know, the"},{"speaker":"Chris Spear","startTime":1481.61,"endTime":1484.37,"body":"last Saturday of this month."},{"speaker":"Chris Spear","startTime":1485.03,"endTime":1487.82,"body":"Okay, cool. Then I send you a"},{"speaker":"Chris Spear","startTime":1485.03,"endTime":1487.82,"body":"menu and we go back and forth"},{"speaker":"Chris Spear","startTime":1487.82,"endTime":1491.48,"body":"and then you like ghost me and"},{"speaker":"Chris Spear","startTime":1487.82,"endTime":1491.48,"body":"then all of a sudden like I"},{"speaker":"Chris Spear","startTime":1491.48,"endTime":1493.52,"body":"follow up you're like oh, we"},{"speaker":"Chris Spear","startTime":1491.48,"endTime":1493.52,"body":"decide to go in another"},{"speaker":"Chris Spear","startTime":1493.52,"endTime":1496.13,"body":"direction like that had never"},{"speaker":"Chris Spear","startTime":1493.52,"endTime":1496.13,"body":"happened to me and like I had"},{"speaker":"Chris Spear","startTime":1496.13,"endTime":1498.17,"body":"like eight years of that never"},{"speaker":"Chris Spear","startTime":1496.13,"endTime":1498.17,"body":"happening and then I had like"},{"speaker":"Chris Spear","startTime":1498.17,"endTime":1500.81,"body":"three of them in the span of two"},{"speaker":"Chris Spear","startTime":1498.17,"endTime":1500.81,"body":"Few months, I was like, well,"},{"speaker":"Chris Spear","startTime":1500.81,"endTime":1504.32,"body":"just something like people, like"},{"speaker":"Chris Spear","startTime":1500.81,"endTime":1504.32,"body":"people return their carts to all"},{"speaker":"Chris Spear","startTime":1504.32,"endTime":1507.74,"body":"the because of a quarter like,"},{"speaker":"Chris Spear","startTime":1504.32,"endTime":1507.74,"body":"that's how cheap people are and"},{"speaker":"Chris Spear","startTime":1507.74,"endTime":1510.38,"body":"how little it takes to get them"},{"speaker":"Chris Spear","startTime":1507.74,"endTime":1510.38,"body":"invested. And I was just like,"},{"speaker":"Chris Spear","startTime":1510.53,"endTime":1514.1,"body":"if they just gave me 100 bucks"},{"speaker":"Chris Spear","startTime":1510.53,"endTime":1514.1,"body":"just to say like, here we go,"},{"speaker":"Chris Spear","startTime":1514.1,"endTime":1518.18,"body":"it's 100 bucks, and you will"},{"speaker":"Chris Spear","startTime":1514.1,"endTime":1518.18,"body":"100% be out of that 100 bucks,"},{"speaker":"Chris Spear","startTime":1518.18,"endTime":1521.54,"body":"if you cancel, that's been"},{"speaker":"Chris Spear","startTime":1518.18,"endTime":1521.54,"body":"enough to keep people in line"},{"speaker":"Chris Spear","startTime":1521.54,"endTime":1523.1,"body":"and to not cancel on me."},{"speaker":"Matt Collins","startTime":1523.52,"endTime":1525.86,"body":"I think you just"},{"speaker":"Matt Collins","startTime":1523.52,"endTime":1525.86,"body":"have to, like, not let people"},{"speaker":"Matt Collins","startTime":1525.86,"endTime":1528.74,"body":"know that, you know, you have a"},{"speaker":"Matt Collins","startTime":1525.86,"endTime":1528.74,"body":"soft hold for about a week until"},{"speaker":"Matt Collins","startTime":1528.74,"endTime":1531.65,"body":"the deposit. I just followed up"},{"speaker":"Matt Collins","startTime":1528.74,"endTime":1531.65,"body":"with somebody today and was"},{"speaker":"Matt Collins","startTime":1531.65,"endTime":1534.17,"body":"like, hey, you know how that"},{"speaker":"Matt Collins","startTime":1531.65,"endTime":1534.17,"body":"menu look for you? And they"},{"speaker":"Matt Collins","startTime":1534.17,"endTime":1537.38,"body":"said, You know, I was busy? And"},{"speaker":"Matt Collins","startTime":1534.17,"endTime":1537.38,"body":"I said, No, no worries. And I"},{"speaker":"Matt Collins","startTime":1537.38,"endTime":1539.75,"body":"sent them a couple of options"},{"speaker":"Matt Collins","startTime":1537.38,"endTime":1539.75,"body":"back. That, to me is pretty"},{"speaker":"Matt Collins","startTime":1539.75,"endTime":1543.53,"body":"standard. But I have to keep"},{"speaker":"Matt Collins","startTime":1539.75,"endTime":1543.53,"body":"tabs on. I have like a whole"},{"speaker":"Matt Collins","startTime":1543.56,"endTime":1547.16,"body":"section on my, my calendar and"},{"speaker":"Matt Collins","startTime":1543.56,"endTime":1547.16,"body":"my notebook of like, these are"},{"speaker":"Matt Collins","startTime":1547.16,"endTime":1550.22,"body":"the people and I write the date"},{"speaker":"Matt Collins","startTime":1547.16,"endTime":1550.22,"body":"that I sent them the menu, and"},{"speaker":"Matt Collins","startTime":1550.22,"endTime":1552.23,"body":"then what I'm supposed to fall"},{"speaker":"Matt Collins","startTime":1550.22,"endTime":1552.23,"body":"back up, if I don't hear from"},{"speaker":"Matt Collins","startTime":1552.23,"endTime":1555.23,"body":"them, cross them off. And then"},{"speaker":"Matt Collins","startTime":1552.23,"endTime":1555.23,"body":"you know, I have people who"},{"speaker":"Matt Collins","startTime":1555.23,"endTime":1559.07,"body":"follow up in that week span for"},{"speaker":"Matt Collins","startTime":1555.23,"endTime":1559.07,"body":"that date, like somebody else."},{"speaker":"Matt Collins","startTime":1559.07,"endTime":1562.31,"body":"And I just got to tell them"},{"speaker":"Matt Collins","startTime":1559.07,"endTime":1562.31,"body":"like, you know, hey, I'll know"},{"speaker":"Matt Collins","startTime":1562.31,"endTime":1565.43,"body":"within 48 hours or whatever. And"},{"speaker":"Matt Collins","startTime":1562.31,"endTime":1565.43,"body":"then I know we apply a little"},{"speaker":"Matt Collins","startTime":1565.43,"endTime":1566.18,"body":"bit of pressure."},{"speaker":"Chris Spear","startTime":1567.11,"endTime":1569.24,"body":"What is your amount"},{"speaker":"Chris Spear","startTime":1567.11,"endTime":1569.24,"body":"that you're asking for a"},{"speaker":"Chris Spear","startTime":1569.24,"endTime":1569.81,"body":"deposit?"},{"speaker":"Matt Collins","startTime":1570.32,"endTime":1575.96,"body":"I do 50% of the"},{"speaker":"Matt Collins","startTime":1570.32,"endTime":1575.96,"body":"invoice so that way, because I"},{"speaker":"Matt Collins","startTime":1575.96,"endTime":1579.02,"body":"do different courses and"},{"speaker":"Matt Collins","startTime":1575.96,"endTime":1579.02,"body":"different sized parties, and"},{"speaker":"Matt Collins","startTime":1579.02,"endTime":1582.14,"body":"then I have different, you know,"},{"speaker":"Matt Collins","startTime":1579.02,"endTime":1582.14,"body":"what are their travel, whatever."},{"speaker":"Matt Collins","startTime":1582.35,"endTime":1586.22,"body":"I just like people to agree 100%"},{"speaker":"Matt Collins","startTime":1582.35,"endTime":1586.22,"body":"what they're paying for. Because"},{"speaker":"Matt Collins","startTime":1586.22,"endTime":1589.49,"body":"if you take a deposit, and"},{"speaker":"Matt Collins","startTime":1586.22,"endTime":1589.49,"body":"someone's expectations of what"},{"speaker":"Matt Collins","startTime":1589.49,"endTime":1592.43,"body":"the dinner is going to cost is"},{"speaker":"Matt Collins","startTime":1589.49,"endTime":1592.43,"body":"completely different. Then what"},{"speaker":"Matt Collins","startTime":1592.43,"endTime":1594.71,"body":"are they going to want to do"},{"speaker":"Matt Collins","startTime":1592.43,"endTime":1594.71,"body":"with that deposit? If they don't"},{"speaker":"Matt Collins","startTime":1594.71,"endTime":1597.71,"body":"want to move forward with the"},{"speaker":"Matt Collins","startTime":1594.71,"endTime":1597.71,"body":"event? Why you have the deposit,"},{"speaker":"Matt Collins","startTime":1597.71,"endTime":1598.49,"body":"because you held the date,"},{"speaker":"Chris Spear","startTime":1598.52,"endTime":1600.05,"body":"I don't take a"},{"speaker":"Chris Spear","startTime":1598.52,"endTime":1600.05,"body":"deposit until we've talked"},{"speaker":"Chris Spear","startTime":1600.05,"endTime":1604.01,"body":"numbers like you know, like,"},{"speaker":"Chris Spear","startTime":1600.05,"endTime":1604.01,"body":"they know, they know straight"},{"speaker":"Chris Spear","startTime":1604.01,"endTime":1606.26,"body":"out like how much the dinner is"},{"speaker":"Chris Spear","startTime":1604.01,"endTime":1606.26,"body":"going to be before I take a"},{"speaker":"Chris Spear","startTime":1606.26,"endTime":1607.19,"body":"deposit as well. Yeah,"},{"speaker":"Matt Collins","startTime":1607.19,"endTime":1608.99,"body":"but there's a lot"},{"speaker":"Matt Collins","startTime":1607.19,"endTime":1608.99,"body":"of variables, you know, I mean,"},{"speaker":"Matt Collins","startTime":1608.99,"endTime":1612.14,"body":"if someone wants to, you know,"},{"speaker":"Matt Collins","startTime":1608.99,"endTime":1612.14,"body":"add something premium to it, or"},{"speaker":"Matt Collins","startTime":1612.14,"endTime":1614.36,"body":"someone wants to add it on their"},{"speaker":"Matt Collins","startTime":1612.14,"endTime":1614.36,"body":"course, or someone wants to do"},{"speaker":"Matt Collins","startTime":1614.36,"endTime":1617.57,"body":"the main family style. I have to"},{"speaker":"Matt Collins","startTime":1614.36,"endTime":1617.57,"body":"charge more for that, because"},{"speaker":"Matt Collins","startTime":1617.57,"endTime":1620.96,"body":"it's a lot more portions. And so"},{"speaker":"Matt Collins","startTime":1617.57,"endTime":1620.96,"body":"I have to tack on that. And so"},{"speaker":"Matt Collins","startTime":1620.96,"endTime":1623.39,"body":"there is that fluctuation, and I"},{"speaker":"Matt Collins","startTime":1620.96,"endTime":1623.39,"body":"just like it to be completely"},{"speaker":"Matt Collins","startTime":1623.39,"endTime":1626.36,"body":"agreed upon. Before there's a"},{"speaker":"Matt Collins","startTime":1623.39,"endTime":1626.36,"body":"deposit so that way, there's"},{"speaker":"Matt Collins","startTime":1626.36,"endTime":1630.62,"body":"just zero confusion. You know, I"},{"speaker":"Matt Collins","startTime":1626.36,"endTime":1630.62,"body":"had someone recently who went"},{"speaker":"Matt Collins","startTime":1630.62,"endTime":1633.11,"body":"over all the pricing, they"},{"speaker":"Matt Collins","startTime":1630.62,"endTime":1633.11,"body":"couldn't hear me well on the"},{"speaker":"Matt Collins","startTime":1633.11,"endTime":1637.1,"body":"phone, they were walking their"},{"speaker":"Matt Collins","startTime":1633.11,"endTime":1637.1,"body":"dog. They live in a neighborhood"},{"speaker":"Matt Collins","startTime":1637.1,"endTime":1640.16,"body":"where you know, cars are driving"},{"speaker":"Matt Collins","startTime":1637.1,"endTime":1640.16,"body":"by like a you know, more urban"},{"speaker":"Matt Collins","startTime":1640.16,"endTime":1645.02,"body":"North Jersey neighborhood. And"},{"speaker":"Matt Collins","startTime":1640.16,"endTime":1645.02,"body":"then we went over stuff for"},{"speaker":"Matt Collins","startTime":1645.02,"endTime":1646.4,"body":"about a week and thought"},{"speaker":"Chris Spear","startTime":1646.4,"endTime":1649.1,"body":"you said $30 ahead,"},{"speaker":"Chris Spear","startTime":1646.4,"endTime":1649.1,"body":"didn't you say $30 ahead,"},{"speaker":"Matt Collins","startTime":1649.16,"endTime":1650.96,"body":"well wasn't even"},{"speaker":"Matt Collins","startTime":1649.16,"endTime":1650.96,"body":"like that. They were fine with"},{"speaker":"Matt Collins","startTime":1650.96,"endTime":1654.23,"body":"the menu costs. It was just my"},{"speaker":"Matt Collins","startTime":1650.96,"endTime":1654.23,"body":"staffing, my my my booking and"},{"speaker":"Matt Collins","startTime":1654.23,"endTime":1656.81,"body":"travel, and it was all things I"},{"speaker":"Matt Collins","startTime":1654.23,"endTime":1656.81,"body":"said on the phone. And I"},{"speaker":"Matt Collins","startTime":1656.81,"endTime":1659.9,"body":"mentioned the story that"},{"speaker":"Matt Collins","startTime":1656.81,"endTime":1659.9,"body":"sometimes when people get the"},{"speaker":"Matt Collins","startTime":1659.9,"endTime":1662.51,"body":"bill, they freak out. So I was"},{"speaker":"Matt Collins","startTime":1659.9,"endTime":1662.51,"body":"like, you know, just make, I"},{"speaker":"Matt Collins","startTime":1662.51,"endTime":1664.67,"body":"just wanted to let you know,"},{"speaker":"Matt Collins","startTime":1662.51,"endTime":1664.67,"body":"because I thought I was a little"},{"speaker":"Matt Collins","startTime":1664.7,"endTime":1668.69,"body":"long winded. They might have"},{"speaker":"Matt Collins","startTime":1664.7,"endTime":1668.69,"body":"just got bored of listening. But"},{"speaker":"Matt Collins","startTime":1668.69,"endTime":1671.3,"body":"we laughed about it. And then"},{"speaker":"Matt Collins","startTime":1668.69,"endTime":1671.3,"body":"four days later, I send the bill"},{"speaker":"Matt Collins","startTime":1671.3,"endTime":1674.72,"body":"and they're like, well, there's"},{"speaker":"Matt Collins","startTime":1671.3,"endTime":1674.72,"body":"like $600 in fees. Because there"},{"speaker":"Matt Collins","startTime":1674.72,"endTime":1678.02,"body":"was a staffer travel and the"},{"speaker":"Matt Collins","startTime":1674.72,"endTime":1678.02,"body":"$150 booking fee. That's all on"},{"speaker":"Matt Collins","startTime":1678.02,"endTime":1680.21,"body":"the website. And I was like we"},{"speaker":"Matt Collins","startTime":1678.02,"endTime":1680.21,"body":"went over this. And so I"},{"speaker":"Matt Collins","startTime":1680.24,"endTime":1682.76,"body":"apologize, I said we could cut"},{"speaker":"Matt Collins","startTime":1680.24,"endTime":1682.76,"body":"back the menu, but they were"},{"speaker":"Matt Collins","startTime":1682.76,"endTime":1685.76,"body":"just so like, offended that"},{"speaker":"Matt Collins","startTime":1682.76,"endTime":1685.76,"body":"there was additional fees that"},{"speaker":"Matt Collins","startTime":1685.76,"endTime":1687.83,"body":"they just didn't want to do. And"},{"speaker":"Matt Collins","startTime":1685.76,"endTime":1687.83,"body":"I turned away three other"},{"speaker":"Matt Collins","startTime":1687.83,"endTime":1691.34,"body":"dinners for that day. And that"},{"speaker":"Matt Collins","startTime":1687.83,"endTime":1691.34,"body":"week span, because I thought"},{"speaker":"Matt Collins","startTime":1691.34,"endTime":1694.04,"body":"they were a lot because we had"},{"speaker":"Matt Collins","startTime":1691.34,"endTime":1694.04,"body":"such a good conversation on the"},{"speaker":"Matt Collins","startTime":1694.04,"endTime":1696.71,"body":"phone that I was like, you know,"},{"speaker":"Matt Collins","startTime":1694.04,"endTime":1696.71,"body":"in the referral. And so I was"},{"speaker":"Matt Collins","startTime":1696.71,"endTime":1698.96,"body":"like, this person's doing this"},{"speaker":"Matt Collins","startTime":1696.71,"endTime":1698.96,"body":"shit. Like, I don't want to"},{"speaker":"Matt Collins","startTime":1699.08,"endTime":1702.38,"body":"muddy the waters and and hold"},{"speaker":"Matt Collins","startTime":1699.08,"endTime":1702.38,"body":"people on and piss them off."},{"speaker":"Matt Collins","startTime":1702.44,"endTime":1705.14,"body":"Because some of the other people"},{"speaker":"Matt Collins","startTime":1702.44,"endTime":1705.14,"body":"call me we're also like regular"},{"speaker":"Matt Collins","startTime":1705.41,"endTime":1708.23,"body":"people. I do business regularly."},{"speaker":"Matt Collins","startTime":1705.41,"endTime":1708.23,"body":"But I didn't want to put them in"},{"speaker":"Matt Collins","startTime":1708.23,"endTime":1710.93,"body":"a weird situation if I didn't"},{"speaker":"Matt Collins","startTime":1708.23,"endTime":1710.93,"body":"think the person was going to"},{"speaker":"Matt Collins","startTime":1710.93,"endTime":1711.47,"body":"cancel."},{"speaker":"Chris Spear","startTime":1712.22,"endTime":1714.29,"body":"Yeah, people are"},{"speaker":"Chris Spear","startTime":1712.22,"endTime":1714.29,"body":"weird. I mean, just this week,"},{"speaker":"Chris Spear","startTime":1714.29,"endTime":1717.38,"body":"like, I don't know, for some"},{"speaker":"Chris Spear","startTime":1714.29,"endTime":1717.38,"body":"reason I had Friday open. I had"},{"speaker":"Chris Spear","startTime":1717.38,"endTime":1719.78,"body":"someone reach out to me like"},{"speaker":"Chris Spear","startTime":1717.38,"endTime":1719.78,"body":"last week and say they wanted a"},{"speaker":"Chris Spear","startTime":1719.78,"endTime":1723.2,"body":"dinner this week. I was like,"},{"speaker":"Chris Spear","startTime":1719.78,"endTime":1723.2,"body":"Yeah, I've got like, I talked to"},{"speaker":"Chris Spear","startTime":1723.2,"endTime":1725.27,"body":"him on the phone. And she was"},{"speaker":"Chris Spear","startTime":1723.2,"endTime":1725.27,"body":"all excited about how her"},{"speaker":"Chris Spear","startTime":1725.27,"endTime":1729.17,"body":"daughter loves food and cooking."},{"speaker":"Chris Spear","startTime":1725.27,"endTime":1729.17,"body":"And she's like, Yeah, we you"},{"speaker":"Chris Spear","startTime":1729.17,"endTime":1731.69,"body":"know, that sounds great. Send me"},{"speaker":"Chris Spear","startTime":1729.17,"endTime":1731.69,"body":"a menu. I was like, I'll get it"},{"speaker":"Chris Spear","startTime":1731.69,"endTime":1734.09,"body":"to you in a couple hours. And"},{"speaker":"Chris Spear","startTime":1731.69,"endTime":1734.09,"body":"like I stopped everything I was"},{"speaker":"Chris Spear","startTime":1734.09,"endTime":1737.03,"body":"doing, like made a menu sent it."},{"speaker":"Chris Spear","startTime":1734.09,"endTime":1737.03,"body":"And then nothing. And this was"},{"speaker":"Chris Spear","startTime":1737.03,"endTime":1739.73,"body":"like last Thursday didn't hear"},{"speaker":"Chris Spear","startTime":1737.03,"endTime":1739.73,"body":"anything. And then like"},{"speaker":"Chris Spear","startTime":1739.73,"endTime":1743.21,"body":"yesterday, she sends an email"},{"speaker":"Chris Spear","startTime":1739.73,"endTime":1743.21,"body":"was like, it doesn't sound like"},{"speaker":"Chris Spear","startTime":1743.21,"endTime":1746.15,"body":"our schedules are gonna align"},{"speaker":"Chris Spear","startTime":1743.21,"endTime":1746.15,"body":"and our family will be in town."},{"speaker":"Chris Spear","startTime":1746.15,"endTime":1750.41,"body":"But it's like, I just talked to"},{"speaker":"Chris Spear","startTime":1746.15,"endTime":1750.41,"body":"you like three days ago. And you"},{"speaker":"Chris Spear","startTime":1750.41,"endTime":1753.38,"body":"said Friday. Like, it's not like"},{"speaker":"Chris Spear","startTime":1750.41,"endTime":1753.38,"body":"I had something else cooking but"},{"speaker":"Chris Spear","startTime":1753.38,"endTime":1756.32,"body":"just like that, like people"},{"speaker":"Chris Spear","startTime":1753.38,"endTime":1756.32,"body":"don't think about things like"},{"speaker":"Chris Spear","startTime":1756.32,"endTime":1759.62,"body":"that. Like it's a Friday night."},{"speaker":"Chris Spear","startTime":1756.32,"endTime":1759.62,"body":"You're new to being ghosted."},{"speaker":"Matt Collins","startTime":1759.65,"endTime":1761.9,"body":"I get that all the"},{"speaker":"Matt Collins","startTime":1759.65,"endTime":1761.9,"body":"time where I'll follow people"},{"speaker":"Matt Collins","startTime":1761.9,"endTime":1764.51,"body":"like a week later, and like, oh,"},{"speaker":"Matt Collins","startTime":1761.9,"endTime":1764.51,"body":"yeah, we're just not doing it."},{"speaker":"Matt Collins","startTime":1764.51,"endTime":1767.48,"body":"And I'm like, why didn't you"},{"speaker":"Matt Collins","startTime":1764.51,"endTime":1767.48,"body":"just say something when you knew"},{"speaker":"Matt Collins","startTime":1767.48,"endTime":1770.9,"body":"because normally if we're on the"},{"speaker":"Matt Collins","startTime":1767.48,"endTime":1770.9,"body":"phone, we're talking we're, you"},{"speaker":"Matt Collins","startTime":1770.9,"endTime":1775.04,"body":"know, I'm saying you got you got"},{"speaker":"Matt Collins","startTime":1770.9,"endTime":1775.04,"body":"the poll, you got to a week have"},{"speaker":"Matt Collins","startTime":1775.04,"endTime":1777.83,"body":"a soft toll. I'll follow up with"},{"speaker":"Matt Collins","startTime":1775.04,"endTime":1777.83,"body":"you. I'm telling you, I'm going"},{"speaker":"Matt Collins","startTime":1777.83,"endTime":1779.9,"body":"to follow up, you know, I'm"},{"speaker":"Matt Collins","startTime":1777.83,"endTime":1779.9,"body":"going to reach out so I when you"},{"speaker":"Matt Collins","startTime":1779.9,"endTime":1782.48,"body":"just when you decide I didn't"},{"speaker":"Matt Collins","startTime":1779.9,"endTime":1782.48,"body":"say we're not doing it and open"},{"speaker":"Matt Collins","startTime":1782.48,"endTime":1787.07,"body":"it back up for the next person"},{"speaker":"Matt Collins","startTime":1782.48,"endTime":1787.07,"body":"in the queue, because otherwise"},{"speaker":"Matt Collins","startTime":1787.07,"endTime":1789.68,"body":"I'm leading someone else on it,"},{"speaker":"Matt Collins","startTime":1787.07,"endTime":1789.68,"body":"hey, I'll get back to you in 48"},{"speaker":"Matt Collins","startTime":1789.68,"endTime":1793.7,"body":"hours. And then they're not even"},{"speaker":"Matt Collins","startTime":1789.68,"endTime":1793.7,"body":"you know, making other plans or"},{"speaker":"Matt Collins","startTime":1793.7,"endTime":1796.58,"body":"they're nervous or they're"},{"speaker":"Matt Collins","startTime":1793.7,"endTime":1796.58,"body":"looking at other people that do"},{"speaker":"Matt Collins","startTime":1796.58,"endTime":1799.91,"body":"the event or the dinner. I don't"},{"speaker":"Matt Collins","startTime":1796.58,"endTime":1799.91,"body":"know that's like a whole other"},{"speaker":"Matt Collins","startTime":1799.91,"endTime":1803.6,"body":"thing. thing to the deposit were"},{"speaker":"Matt Collins","startTime":1799.91,"endTime":1803.6,"body":"just like, like parsing like"},{"speaker":"Matt Collins","startTime":1803.6,"endTime":1807.23,"body":"human behavior. But I think the"},{"speaker":"Matt Collins","startTime":1803.6,"endTime":1807.23,"body":"point of the deposit is having a"},{"speaker":"Matt Collins","startTime":1807.23,"endTime":1811.1,"body":"number that makes people not"},{"speaker":"Matt Collins","startTime":1807.23,"endTime":1811.1,"body":"want to cancel. Like my deposit"},{"speaker":"Matt Collins","startTime":1811.1,"endTime":1815.42,"body":"was refundable, you know, within"},{"speaker":"Matt Collins","startTime":1811.1,"endTime":1815.42,"body":"a certain timeframe, up until,"},{"speaker":"Matt Collins","startTime":1815.72,"endTime":1818.75,"body":"you know, maybe a year after"},{"speaker":"Matt Collins","startTime":1815.72,"endTime":1818.75,"body":"COVID started because it just"},{"speaker":"Matt Collins","startTime":1818.75,"endTime":1822.14,"body":"got too out of hand. Because it"},{"speaker":"Matt Collins","startTime":1818.75,"endTime":1822.14,"body":"was just so much rescheduling"},{"speaker":"Matt Collins","startTime":1822.14,"endTime":1827.39,"body":"that I was like, I can't have,"},{"speaker":"Matt Collins","startTime":1822.14,"endTime":1827.39,"body":"you know, 60 days a year"},{"speaker":"Matt Collins","startTime":1827.42,"endTime":1829.76,"body":"scheduled then cancelled."},{"speaker":"Matt Collins","startTime":1827.42,"endTime":1829.76,"body":"There's only so many Fridays,"},{"speaker":"Matt Collins","startTime":1829.76,"endTime":1831.38,"body":"Saturdays and Sundays that"},{"speaker":"Matt Collins","startTime":1829.76,"endTime":1831.38,"body":"people want."},{"speaker":"Chris Spear","startTime":1831.98,"endTime":1836.39,"body":"But I do feel a lot"},{"speaker":"Chris Spear","startTime":1831.98,"endTime":1836.39,"body":"of chefs, not myself"},{"speaker":"Chris Spear","startTime":1836.39,"endTime":1840.74,"body":"particularly are specifically"},{"speaker":"Chris Spear","startTime":1836.39,"endTime":1840.74,"body":"don't want to take that because"},{"speaker":"Chris Spear","startTime":1840.74,"endTime":1843.14,"body":"they're hoping they're gonna get"},{"speaker":"Chris Spear","startTime":1840.74,"endTime":1843.14,"body":"cash and maybe all that doesn't"},{"speaker":"Chris Spear","startTime":1843.14,"endTime":1846.23,"body":"get reported, you know, when"},{"speaker":"Chris Spear","startTime":1843.14,"endTime":1846.23,"body":"you're taking a deposit check"},{"speaker":"Chris Spear","startTime":1846.23,"endTime":1851.03,"body":"for $1,500 That has to be"},{"speaker":"Chris Spear","startTime":1846.23,"endTime":1851.03,"body":"deposited. That's one thing, but"},{"speaker":"Chris Spear","startTime":1851.03,"endTime":1855.14,"body":"if someone slips you $1,500"},{"speaker":"Chris Spear","startTime":1851.03,"endTime":1855.14,"body":"Cash, maybe they did, maybe they"},{"speaker":"Chris Spear","startTime":1855.14,"endTime":1857.51,"body":"didn't. And just saying that,"},{"speaker":"Chris Spear","startTime":1855.14,"endTime":1857.51,"body":"like, I know that that's"},{"speaker":"Chris Spear","startTime":1857.51,"endTime":1860.6,"body":"probably something that nobody"},{"speaker":"Chris Spear","startTime":1857.51,"endTime":1860.6,"body":"wants to talk about. But I know"},{"speaker":"Chris Spear","startTime":1860.6,"endTime":1862.79,"body":"that that's something that"},{"speaker":"Chris Spear","startTime":1860.6,"endTime":1862.79,"body":"happens. People love getting"},{"speaker":"Chris Spear","startTime":1862.79,"endTime":1863.78,"body":"paid in cash."},{"speaker":"Matt Collins","startTime":1863.96,"endTime":1866.66,"body":"But that's an"},{"speaker":"Matt Collins","startTime":1863.96,"endTime":1866.66,"body":"unpopular I have an unpopular"},{"speaker":"Matt Collins","startTime":1866.66,"endTime":1869.24,"body":"opinion of that as I want to"},{"speaker":"Matt Collins","startTime":1866.66,"endTime":1869.24,"body":"claim everything I do for my"},{"speaker":"Matt Collins","startTime":1869.24,"endTime":1872.66,"body":"business so I can keep track"},{"speaker":"Matt Collins","startTime":1869.24,"endTime":1872.66,"body":"year to year. No one's making"},{"speaker":"Matt Collins","startTime":1872.66,"endTime":1875.87,"body":"enough money that buy every"},{"speaker":"Matt Collins","startTime":1872.66,"endTime":1875.87,"body":"single dinner you do like I do"},{"speaker":"Matt Collins","startTime":1875.87,"endTime":1880.7,"body":"100 a year if I didn't claim"},{"speaker":"Matt Collins","startTime":1875.87,"endTime":1880.7,"body":"$100 of every dinner I did at"},{"speaker":"Matt Collins","startTime":1880.7,"endTime":1885.86,"body":"the end of the year. What is"},{"speaker":"Matt Collins","startTime":1880.7,"endTime":1885.86,"body":"that? That $10,000? If I did"},{"speaker":"Matt Collins","startTime":1885.86,"endTime":1889.43,"body":"that, well, what am I buying"},{"speaker":"Matt Collins","startTime":1885.86,"endTime":1889.43,"body":"with that a new car, then?"},{"speaker":"Matt Collins","startTime":1889.49,"endTime":1893.45,"body":"Wouldn't I like I'm like asking"},{"speaker":"Matt Collins","startTime":1889.49,"endTime":1893.45,"body":"you to be audited. You know that"},{"speaker":"Matt Collins","startTime":1893.45,"endTime":1896.18,"body":"you can even buy a new car for"},{"speaker":"Matt Collins","startTime":1893.45,"endTime":1896.18,"body":"10 grand. But I'm just saying"},{"speaker":"Matt Collins","startTime":1896.18,"endTime":1898.94,"body":"like, what what is the point of"},{"speaker":"Matt Collins","startTime":1896.18,"endTime":1898.94,"body":"that you're not like living"},{"speaker":"Matt Collins","startTime":1898.94,"endTime":1901.76,"body":"outside your means you're not"},{"speaker":"Matt Collins","startTime":1898.94,"endTime":1901.76,"body":"like buying a house with it."},{"speaker":"Matt Collins","startTime":1901.76,"endTime":1904.73,"body":"Like, you're just doing all this"},{"speaker":"Matt Collins","startTime":1901.76,"endTime":1904.73,"body":"work"},{"speaker":"Chris Spear","startTime":1904.73,"endTime":1906.56,"body":"and Breaking Bad."},{"speaker":"Chris Spear","startTime":1904.73,"endTime":1906.56,"body":"You don't have like a stash of"},{"speaker":"Chris Spear","startTime":1906.56,"endTime":1909.17,"body":"cash like in your heating ducts."},{"speaker":"Chris Spear","startTime":1906.56,"endTime":1909.17,"body":"You just"},{"speaker":"Matt Collins","startTime":1909.17,"endTime":1911.42,"body":"asked him to get"},{"speaker":"Matt Collins","startTime":1909.17,"endTime":1911.42,"body":"audited. And then like I have"},{"speaker":"Matt Collins","startTime":1911.42,"endTime":1914.69,"body":"like a manila envelope of"},{"speaker":"Matt Collins","startTime":1911.42,"endTime":1914.69,"body":"receipts. And then I have like"},{"speaker":"Matt Collins","startTime":1914.69,"endTime":1917.75,"body":"an Excel of all my spending, why"},{"speaker":"Matt Collins","startTime":1914.69,"endTime":1917.75,"body":"would I want to have to go"},{"speaker":"Matt Collins","startTime":1917.75,"endTime":1920.6,"body":"through that with an auditor I"},{"speaker":"Matt Collins","startTime":1917.75,"endTime":1920.6,"body":"pay somebody a good chunk of"},{"speaker":"Matt Collins","startTime":1920.6,"endTime":1923.6,"body":"change to do my taxes and to"},{"speaker":"Matt Collins","startTime":1920.6,"endTime":1923.6,"body":"look over everything? Why am I"},{"speaker":"Matt Collins","startTime":1923.6,"endTime":1927.86,"body":"going to send them fake numbers,"},{"speaker":"Matt Collins","startTime":1923.6,"endTime":1927.86,"body":"and then keep my real numbers."},{"speaker":"Matt Collins","startTime":1927.89,"endTime":1931.04,"body":"So make sure I know how my"},{"speaker":"Matt Collins","startTime":1927.89,"endTime":1931.04,"body":"business is growing. I'm doing"},{"speaker":"Matt Collins","startTime":1931.07,"endTime":1933.08,"body":"air quotes, because it's such a"},{"speaker":"Matt Collins","startTime":1931.07,"endTime":1933.08,"body":"stupid thing."},{"speaker":"Chris Spear","startTime":1933.11,"endTime":1934.7,"body":"You have a little"},{"speaker":"Chris Spear","startTime":1933.11,"endTime":1934.7,"body":"notepad under your bed."},{"speaker":"Matt Collins","startTime":1935.21,"endTime":1938.57,"body":"I'm just saying."},{"speaker":"Matt Collins","startTime":1935.21,"endTime":1938.57,"body":"No, it's just like weird. I"},{"speaker":"Matt Collins","startTime":1938.57,"endTime":1939.41,"body":"actually have it right here."},{"speaker":"Unknown","startTime":1940.88,"endTime":1943.28,"body":"Oh, nice. There you go."},{"speaker":"Unknown","startTime":1940.88,"endTime":1943.28,"body":"And I have little"},{"speaker":"Matt Collins","startTime":1943.28,"endTime":1945.83,"body":"up and down arrows"},{"speaker":"Matt Collins","startTime":1943.28,"endTime":1945.83,"body":"and the year before, because I"},{"speaker":"Matt Collins","startTime":1945.83,"endTime":1948.74,"body":"tally up what I do each month"},{"speaker":"Matt Collins","startTime":1945.83,"endTime":1948.74,"body":"and I compare it to the year"},{"speaker":"Matt Collins","startTime":1948.74,"endTime":1951.68,"body":"before. And then I know if I if"},{"speaker":"Matt Collins","startTime":1948.74,"endTime":1951.68,"body":"I want to spend more on"},{"speaker":"Matt Collins","startTime":1951.68,"endTime":1954.95,"body":"advertising if I want to work"},{"speaker":"Matt Collins","startTime":1951.68,"endTime":1954.95,"body":"more on that. But I just think"},{"speaker":"Matt Collins","startTime":1955.31,"endTime":1958.31,"body":"cash isn't that crazy. Like I"},{"speaker":"Matt Collins","startTime":1955.31,"endTime":1958.31,"body":"don't want to go on some like"},{"speaker":"Matt Collins","startTime":1958.31,"endTime":1961.1,"body":"conservative podcasts thing"},{"speaker":"Matt Collins","startTime":1958.31,"endTime":1961.1,"body":"where it's like the government"},{"speaker":"Matt Collins","startTime":1961.1,"endTime":1964.31,"body":"wants you to Venmo everything."},{"speaker":"Matt Collins","startTime":1961.1,"endTime":1964.31,"body":"So they can tell you when you"},{"speaker":"Matt Collins","startTime":1964.31,"endTime":1968.72,"body":"can't and can't spend money. But"},{"speaker":"Matt Collins","startTime":1964.31,"endTime":1968.72,"body":"I just think cash cash is a nice"},{"speaker":"Matt Collins","startTime":1968.72,"endTime":1971.84,"body":"option because it makes people"},{"speaker":"Matt Collins","startTime":1968.72,"endTime":1971.84,"body":"feel more comfortable. People"},{"speaker":"Matt Collins","startTime":1971.84,"endTime":1974.6,"body":"like being able to hand you cash"},{"speaker":"Matt Collins","startTime":1971.84,"endTime":1974.6,"body":"so that way you can tip your"},{"speaker":"Matt Collins","startTime":1974.6,"endTime":1978.5,"body":"staff in cash so that way they"},{"speaker":"Matt Collins","startTime":1974.6,"endTime":1978.5,"body":"feel like or they want to give"},{"speaker":"Matt Collins","startTime":1978.5,"endTime":1982.88,"body":"your staff cash themselves and"},{"speaker":"Matt Collins","startTime":1978.5,"endTime":1982.88,"body":"shake their hand or pat them on"},{"speaker":"Matt Collins","startTime":1982.88,"endTime":1986.48,"body":"the shoulder and say thank you"},{"speaker":"Matt Collins","startTime":1982.88,"endTime":1986.48,"body":"and have that human element to"},{"speaker":"Matt Collins","startTime":1986.48,"endTime":1988.4,"body":"it. Because that's like an old"},{"speaker":"Matt Collins","startTime":1986.48,"endTime":1988.4,"body":"school thing. You go to a"},{"speaker":"Matt Collins","startTime":1988.4,"endTime":1991.34,"body":"restaurant, you really like your"},{"speaker":"Matt Collins","startTime":1988.4,"endTime":1991.34,"body":"server or your bartender you"},{"speaker":"Matt Collins","startTime":1991.34,"endTime":1994.28,"body":"feel good giving them a tip. And"},{"speaker":"Matt Collins","startTime":1991.34,"endTime":1994.28,"body":"a lot of times that's like a"},{"speaker":"Matt Collins","startTime":1994.28,"endTime":1996.74,"body":"guest at the event who didn't"},{"speaker":"Matt Collins","startTime":1994.28,"endTime":1996.74,"body":"have to pay for the dinner and"},{"speaker":"Matt Collins","startTime":1996.74,"endTime":1999.02,"body":"they just want to say thank you."},{"speaker":"Matt Collins","startTime":1996.74,"endTime":1999.02,"body":"They don't want to feel like a"},{"speaker":"Matt Collins","startTime":1999.35,"endTime":2000.25,"body":"like a bum."},{"speaker":"Chris Spear","startTime":2000.37,"endTime":2002.5,"body":"I love it when they"},{"speaker":"Chris Spear","startTime":2000.37,"endTime":2002.5,"body":"put it in your chef pocket and"},{"speaker":"Chris Spear","startTime":2002.5,"endTime":2006.1,"body":"then like tap your chest. Oh my"},{"speaker":"Chris Spear","startTime":2002.5,"endTime":2006.1,"body":"God ever have that happen? Like"},{"speaker":"Chris Spear","startTime":2006.1,"endTime":2008.44,"body":"just slide it in that Chef"},{"speaker":"Chris Spear","startTime":2006.1,"endTime":2008.44,"body":"pocket and just like tap you"},{"speaker":"Chris Spear","startTime":2008.44,"endTime":2009.4,"body":"like There you go. The last"},{"speaker":"Matt Collins","startTime":2009.4,"endTime":2011.44,"body":"time it happened."},{"speaker":"Matt Collins","startTime":2009.4,"endTime":2011.44,"body":"I felt like a stripper and I"},{"speaker":"Matt Collins","startTime":2011.44,"endTime":2012.4,"body":"felt disgusting."},{"speaker":"Chris Spear","startTime":2012.55,"endTime":2013.96,"body":"Have you ever been"},{"speaker":"Chris Spear","startTime":2012.55,"endTime":2013.96,"body":"asked if you're a stripper when"},{"speaker":"Chris Spear","startTime":2013.96,"endTime":2016.24,"body":"you show up to do a bachelorette"},{"speaker":"Chris Spear","startTime":2013.96,"endTime":2016.24,"body":"party? Like you showed me like,"},{"speaker":"Chris Spear","startTime":2016.24,"endTime":2019.36,"body":"are you really a chef and I'm"},{"speaker":"Chris Spear","startTime":2016.24,"endTime":2019.36,"body":"like I can be whatever you want"},{"speaker":"Chris Spear","startTime":2019.36,"endTime":2020.23,"body":"for the right price."},{"speaker":"Matt Collins","startTime":2020.29,"endTime":2022.15,"body":"I just had this"},{"speaker":"Matt Collins","startTime":2020.29,"endTime":2022.15,"body":"conversation because I did a"},{"speaker":"Matt Collins","startTime":2022.15,"endTime":2025.45,"body":"bachelorette party on Sunday."},{"speaker":"Matt Collins","startTime":2022.15,"endTime":2025.45,"body":"And the joke came about and I"},{"speaker":"Matt Collins","startTime":2025.45,"endTime":2028.96,"body":"said it happens once in a while"},{"speaker":"Matt Collins","startTime":2025.45,"endTime":2028.96,"body":"but I think I've moved past the"},{"speaker":"Matt Collins","startTime":2028.99,"endTime":2033.7,"body":"drunk Santa shirtless wearing"},{"speaker":"Matt Collins","startTime":2028.99,"endTime":2033.7,"body":"only apron promo photos from two"},{"speaker":"Matt Collins","startTime":2033.7,"endTime":2037.21,"body":"years ago. I don't get as many"},{"speaker":"Matt Collins","startTime":2033.7,"endTime":2037.21,"body":"comments anymore. I have to do a"},{"speaker":"Matt Collins","startTime":2037.21,"endTime":2037.96,"body":"new shoot."},{"speaker":"Chris Spear","startTime":2039.01,"endTime":2040.72,"body":"Well, thanks, Matt"},{"speaker":"Chris Spear","startTime":2039.01,"endTime":2040.72,"body":"for coming on the show. And I"},{"speaker":"Chris Spear","startTime":2040.72,"endTime":2044.59,"body":"know we'll have you back real"},{"speaker":"Chris Spear","startTime":2040.72,"endTime":2044.59,"body":"soon. Have a good one. As always"},{"speaker":"Chris Spear","startTime":2044.59,"endTime":2047.11,"body":"is Chris with the Chefs Without"},{"speaker":"Chris Spear","startTime":2044.59,"endTime":2047.11,"body":"Restaurants podcast. Thanks for"},{"speaker":"Chris Spear","startTime":2047.11,"endTime":2049.66,"body":"listening and have a great week."},{"speaker":"Chris Spear","startTime":2047.11,"endTime":2049.66,"body":"Go to chefs without"},{"speaker":"Chris Spear","startTime":2049.66,"endTime":2053.2,"body":"restaurants.org To find our"},{"speaker":"Chris Spear","startTime":2049.66,"endTime":2053.2,"body":"Facebook group, mailing list and"},{"speaker":"Chris Spear","startTime":2053.2,"endTime":2057.4,"body":"check database. The community is"},{"speaker":"Chris Spear","startTime":2053.2,"endTime":2057.4,"body":"free to join. You'll get gig"},{"speaker":"Chris Spear","startTime":2057.4,"endTime":2059.65,"body":"opportunities, advice on"},{"speaker":"Chris Spear","startTime":2057.4,"endTime":2059.65,"body":"building and growing your"},{"speaker":"Chris Spear","startTime":2059.65,"endTime":2063.25,"body":"business and you'll never miss"},{"speaker":"Chris Spear","startTime":2059.65,"endTime":2063.25,"body":"an episode of our podcast. Have"},{"speaker":"Chris Spear","startTime":2063.25,"endTime":2063.91,"body":"a great week."}]}