{"version":"1.0.0","segments":[{"speaker":"SPEAKER_00","startTime":0.08,"endTime":0.24,"body":"If"},{"speaker":"SPEAKER_00","startTime":0.24,"endTime":0.48,"body":"you're"},{"speaker":"SPEAKER_00","startTime":0.48,"endTime":0.56,"body":"in"},{"speaker":"SPEAKER_00","startTime":0.56,"endTime":0.72,"body":"your"},{"speaker":"SPEAKER_00","startTime":0.72,"endTime":0.96,"body":"early"},{"speaker":"SPEAKER_00","startTime":0.96,"endTime":1.36,"body":"60s"},{"speaker":"SPEAKER_00","startTime":1.36,"endTime":1.52,"body":"with"},{"speaker":"SPEAKER_00","startTime":1.52,"endTime":1.6,"body":"a"},{"speaker":"SPEAKER_00","startTime":1.6,"endTime":1.76,"body":"couple"},{"speaker":"SPEAKER_00","startTime":1.84,"endTime":2.08,"body":"million"},{"speaker":"SPEAKER_00","startTime":2.08,"endTime":2.32,"body":"dollars"},{"speaker":"SPEAKER_00","startTime":2.32,"endTime":2.64,"body":"saved"},{"speaker":"SPEAKER_00","startTime":2.64,"endTime":2.8,"body":"for"},{"speaker":"SPEAKER_00","startTime":2.8,"endTime":3.28,"body":"retirement,"},{"speaker":"SPEAKER_00","startTime":3.36,"endTime":3.6,"body":"you're"},{"speaker":"SPEAKER_00","startTime":3.6,"endTime":3.84,"body":"probably"},{"speaker":"SPEAKER_00","startTime":3.84,"endTime":4.16,"body":"starting"},{"speaker":"SPEAKER_00","startTime":4.16,"endTime":4.24,"body":"to"},{"speaker":"SPEAKER_00","startTime":4.24,"endTime":4.4,"body":"ask"},{"speaker":"SPEAKER_00","startTime":4.4,"endTime":4.88,"body":"yourself,"},{"speaker":"SPEAKER_00","startTime":5.04,"endTime":5.28,"body":"is"},{"speaker":"SPEAKER_00","startTime":5.28,"endTime":5.52,"body":"now"},{"speaker":"SPEAKER_00","startTime":5.52,"endTime":5.68,"body":"the"},{"speaker":"SPEAKER_00","startTime":5.68,"endTime":5.92,"body":"time"},{"speaker":"SPEAKER_00","startTime":5.92,"endTime":6.08,"body":"to"},{"speaker":"SPEAKER_00","startTime":6.08,"endTime":6.56,"body":"retire?"},{"speaker":"SPEAKER_00","startTime":6.8,"endTime":7.12,"body":"Should"},{"speaker":"SPEAKER_00","startTime":7.12,"endTime":7.28,"body":"I"},{"speaker":"SPEAKER_00","startTime":7.28,"endTime":7.36,"body":"do"},{"speaker":"SPEAKER_00","startTime":7.36,"endTime":7.52,"body":"it"},{"speaker":"SPEAKER_00","startTime":7.52,"endTime":7.68,"body":"now?"},{"speaker":"SPEAKER_00","startTime":7.84,"endTime":8.0,"body":"Should"},{"speaker":"SPEAKER_00","startTime":8.0,"endTime":8.08,"body":"I"},{"speaker":"SPEAKER_00","startTime":8.08,"endTime":8.32,"body":"wait"},{"speaker":"SPEAKER_00","startTime":8.32,"endTime":8.4,"body":"till"},{"speaker":"SPEAKER_00","startTime":8.56,"endTime":9.04,"body":"65?"},{"speaker":"SPEAKER_00","startTime":9.2,"endTime":9.44,"body":"What's"},{"speaker":"SPEAKER_00","startTime":9.44,"endTime":9.6,"body":"the"},{"speaker":"SPEAKER_00","startTime":9.6,"endTime":9.76,"body":"right"},{"speaker":"SPEAKER_00","startTime":9.76,"endTime":10.32,"body":"decision"},{"speaker":"SPEAKER_00","startTime":10.32,"endTime":10.64,"body":"for"},{"speaker":"SPEAKER_00","startTime":10.64,"endTime":10.88,"body":"me?"},{"speaker":"SPEAKER_00","startTime":11.04,"endTime":11.28,"body":"Well,"},{"speaker":"SPEAKER_00","startTime":11.36,"endTime":11.6,"body":"that's"},{"speaker":"SPEAKER_00","startTime":11.6,"endTime":11.84,"body":"exactly"},{"speaker":"SPEAKER_00","startTime":11.84,"endTime":12.0,"body":"what"},{"speaker":"SPEAKER_00","startTime":12.0,"endTime":12.16,"body":"we're"},{"speaker":"SPEAKER_00","startTime":12.16,"endTime":12.4,"body":"gonna"},{"speaker":"SPEAKER_00","startTime":12.4,"endTime":12.56,"body":"show"},{"speaker":"SPEAKER_00","startTime":12.56,"endTime":12.72,"body":"in"},{"speaker":"SPEAKER_00","startTime":12.72,"endTime":12.96,"body":"today's"},{"speaker":"SPEAKER_00","startTime":12.96,"endTime":13.2,"body":"case"},{"speaker":"SPEAKER_00","startTime":13.2,"endTime":13.52,"body":"study."},{"speaker":"SPEAKER_00","startTime":13.68,"endTime":13.84,"body":"We're"},{"speaker":"SPEAKER_00","startTime":13.84,"endTime":14.0,"body":"gonna"},{"speaker":"SPEAKER_00","startTime":14.0,"endTime":14.16,"body":"show"},{"speaker":"SPEAKER_00","startTime":14.16,"endTime":14.24,"body":"you"},{"speaker":"SPEAKER_00","startTime":14.24,"endTime":14.4,"body":"how"},{"speaker":"SPEAKER_00","startTime":14.4,"endTime":14.56,"body":"these"},{"speaker":"SPEAKER_00","startTime":14.56,"endTime":15.04,"body":"seemingly"},{"speaker":"SPEAKER_00","startTime":15.04,"endTime":15.36,"body":"little"},{"speaker":"SPEAKER_00","startTime":15.36,"endTime":16.16,"body":"decisions"},{"speaker":"SPEAKER_00","startTime":16.16,"endTime":16.4,"body":"can"},{"speaker":"SPEAKER_00","startTime":16.4,"endTime":16.56,"body":"have"},{"speaker":"SPEAKER_00","startTime":16.56,"endTime":16.96,"body":"huge"},{"speaker":"SPEAKER_00","startTime":16.96,"endTime":17.6,"body":"implications"},{"speaker":"SPEAKER_00","startTime":17.6,"endTime":17.76,"body":"over"},{"speaker":"SPEAKER_00","startTime":17.76,"endTime":17.92,"body":"the"},{"speaker":"SPEAKER_00","startTime":17.92,"endTime":18.24,"body":"duration"},{"speaker":"SPEAKER_00","startTime":18.24,"endTime":18.32,"body":"of"},{"speaker":"SPEAKER_00","startTime":18.32,"endTime":18.48,"body":"your"},{"speaker":"SPEAKER_00","startTime":18.48,"endTime":18.8,"body":"retirement."},{"speaker":"SPEAKER_00","startTime":18.88,"endTime":19.04,"body":"And"},{"speaker":"SPEAKER_00","startTime":19.04,"endTime":19.28,"body":"instead"},{"speaker":"SPEAKER_00","startTime":19.28,"endTime":19.44,"body":"of"},{"speaker":"SPEAKER_00","startTime":19.44,"endTime":19.52,"body":"just"},{"speaker":"SPEAKER_00","startTime":19.52,"endTime":19.76,"body":"telling"},{"speaker":"SPEAKER_00","startTime":19.76,"endTime":19.92,"body":"you"},{"speaker":"SPEAKER_00","startTime":19.92,"endTime":20.08,"body":"about"},{"speaker":"SPEAKER_00","startTime":20.08,"endTime":20.24,"body":"it,"},{"speaker":"SPEAKER_00","startTime":20.4,"endTime":20.56,"body":"I'm"},{"speaker":"SPEAKER_00","startTime":20.56,"endTime":20.72,"body":"gonna"},{"speaker":"SPEAKER_00","startTime":20.72,"endTime":20.88,"body":"show"},{"speaker":"SPEAKER_00","startTime":20.88,"endTime":21.04,"body":"you"},{"speaker":"SPEAKER_00","startTime":21.04,"endTime":21.2,"body":"an"},{"speaker":"SPEAKER_00","startTime":21.2,"endTime":21.44,"body":"actual"},{"speaker":"SPEAKER_00","startTime":21.44,"endTime":21.68,"body":"case"},{"speaker":"SPEAKER_00","startTime":21.68,"endTime":22.08,"body":"study"},{"speaker":"SPEAKER_00","startTime":22.08,"endTime":22.24,"body":"to"},{"speaker":"SPEAKER_00","startTime":22.24,"endTime":22.64,"body":"illustrate"},{"speaker":"SPEAKER_00","startTime":22.64,"endTime":22.8,"body":"this."},{"speaker":"SPEAKER_00","startTime":22.96,"endTime":23.12,"body":"So"},{"speaker":"SPEAKER_00","startTime":23.2,"endTime":23.28,"body":"what"},{"speaker":"SPEAKER_00","startTime":23.28,"endTime":23.44,"body":"we're"},{"speaker":"SPEAKER_00","startTime":23.44,"endTime":23.6,"body":"gonna"},{"speaker":"SPEAKER_00","startTime":23.6,"endTime":23.76,"body":"do"},{"speaker":"SPEAKER_00","startTime":23.76,"endTime":23.92,"body":"is"},{"speaker":"SPEAKER_00","startTime":23.92,"endTime":24.0,"body":"we're"},{"speaker":"SPEAKER_00","startTime":24.0,"endTime":24.16,"body":"gonna"},{"speaker":"SPEAKER_00","startTime":24.16,"endTime":24.32,"body":"take"},{"speaker":"SPEAKER_00","startTime":24.32,"endTime":24.4,"body":"a"},{"speaker":"SPEAKER_00","startTime":24.4,"endTime":24.48,"body":"look"},{"speaker":"SPEAKER_00","startTime":24.48,"endTime":24.56,"body":"at"},{"speaker":"SPEAKER_00","startTime":24.56,"endTime":24.88,"body":"Michael"},{"speaker":"SPEAKER_00","startTime":24.88,"endTime":25.04,"body":"and"},{"speaker":"SPEAKER_00","startTime":25.04,"endTime":25.6,"body":"Lisa's"},{"speaker":"SPEAKER_00","startTime":25.6,"endTime":25.84,"body":"plan."},{"speaker":"SPEAKER_00","startTime":25.92,"endTime":26.0,"body":"This"},{"speaker":"SPEAKER_00","startTime":26.0,"endTime":26.16,"body":"is"},{"speaker":"SPEAKER_00","startTime":26.16,"endTime":26.48,"body":"Michael"},{"speaker":"SPEAKER_00","startTime":26.48,"endTime":26.56,"body":"and"},{"speaker":"SPEAKER_00","startTime":26.56,"endTime":26.96,"body":"Lisa."},{"speaker":"SPEAKER_00","startTime":27.04,"endTime":27.36,"body":"Michael"},{"speaker":"SPEAKER_00","startTime":27.36,"endTime":27.44,"body":"and"},{"speaker":"SPEAKER_00","startTime":27.44,"endTime":27.84,"body":"Lisa"},{"speaker":"SPEAKER_00","startTime":27.84,"endTime":27.92,"body":"have"},{"speaker":"SPEAKER_00","startTime":27.92,"endTime":28.0,"body":"a"},{"speaker":"SPEAKER_00","startTime":28.0,"endTime":28.16,"body":"couple"},{"speaker":"SPEAKER_00","startTime":28.24,"endTime":28.4,"body":"million"},{"speaker":"SPEAKER_00","startTime":28.4,"endTime":28.64,"body":"dollars"},{"speaker":"SPEAKER_00","startTime":28.64,"endTime":28.96,"body":"saved"},{"speaker":"SPEAKER_00","startTime":28.96,"endTime":29.28,"body":"between"},{"speaker":"SPEAKER_00","startTime":29.28,"endTime":29.44,"body":"their"},{"speaker":"SPEAKER_00","startTime":29.44,"endTime":29.84,"body":"retirement"},{"speaker":"SPEAKER_00","startTime":29.84,"endTime":30.24,"body":"assets."},{"speaker":"SPEAKER_00","startTime":30.4,"endTime":30.56,"body":"They"},{"speaker":"SPEAKER_00","startTime":30.56,"endTime":30.64,"body":"have"},{"speaker":"SPEAKER_00","startTime":30.64,"endTime":30.72,"body":"a"},{"speaker":"SPEAKER_00","startTime":30.72,"endTime":31.04,"body":"joint"},{"speaker":"SPEAKER_00","startTime":31.04,"endTime":31.36,"body":"investment"},{"speaker":"SPEAKER_00","startTime":31.36,"endTime":31.6,"body":"account,"},{"speaker":"SPEAKER_00","startTime":31.68,"endTime":31.84,"body":"so"},{"speaker":"SPEAKER_00","startTime":31.92,"endTime":32.0,"body":"a"},{"speaker":"SPEAKER_00","startTime":32.0,"endTime":32.4,"body":"brokerage"},{"speaker":"SPEAKER_00","startTime":32.4,"endTime":32.72,"body":"account"},{"speaker":"SPEAKER_00","startTime":32.72,"endTime":32.88,"body":"here."},{"speaker":"SPEAKER_00","startTime":32.96,"endTime":33.12,"body":"They"},{"speaker":"SPEAKER_00","startTime":33.12,"endTime":33.2,"body":"have"},{"speaker":"SPEAKER_00","startTime":33.2,"endTime":33.28,"body":"a"},{"speaker":"SPEAKER_00","startTime":33.28,"endTime":34.08,"body":"401k,"},{"speaker":"SPEAKER_00","startTime":34.24,"endTime":34.64,"body":"Lisa's"},{"speaker":"SPEAKER_00","startTime":34.64,"endTime":34.96,"body":"IRA,"},{"speaker":"SPEAKER_00","startTime":35.2,"endTime":35.6,"body":"Lisa's"},{"speaker":"SPEAKER_00","startTime":35.6,"endTime":35.76,"body":"Roth"},{"speaker":"SPEAKER_00","startTime":35.92,"endTime":36.48,"body":"IRA."},{"speaker":"SPEAKER_00","startTime":36.64,"endTime":36.72,"body":"You"},{"speaker":"SPEAKER_00","startTime":36.72,"endTime":36.96,"body":"can"},{"speaker":"SPEAKER_00","startTime":36.96,"endTime":37.12,"body":"see"},{"speaker":"SPEAKER_00","startTime":37.12,"endTime":37.28,"body":"their"},{"speaker":"SPEAKER_00","startTime":37.28,"endTime":37.68,"body":"ages"},{"speaker":"SPEAKER_00","startTime":37.68,"endTime":37.92,"body":"today"},{"speaker":"SPEAKER_00","startTime":37.92,"endTime":38.16,"body":"are"},{"speaker":"SPEAKER_00","startTime":38.16,"endTime":38.88,"body":"62."},{"speaker":"SPEAKER_00","startTime":39.04,"endTime":39.2,"body":"They"},{"speaker":"SPEAKER_00","startTime":39.2,"endTime":39.36,"body":"have"},{"speaker":"SPEAKER_00","startTime":39.36,"endTime":39.44,"body":"a"},{"speaker":"SPEAKER_00","startTime":39.44,"endTime":39.68,"body":"couple"},{"speaker":"SPEAKER_00","startTime":39.76,"endTime":40.0,"body":"million"},{"speaker":"SPEAKER_00","startTime":40.0,"endTime":40.24,"body":"dollars."},{"speaker":"SPEAKER_00","startTime":40.32,"endTime":40.56,"body":"They"},{"speaker":"SPEAKER_00","startTime":40.56,"endTime":40.72,"body":"also"},{"speaker":"SPEAKER_00","startTime":40.72,"endTime":40.88,"body":"have"},{"speaker":"SPEAKER_00","startTime":40.88,"endTime":41.04,"body":"about"},{"speaker":"SPEAKER_00","startTime":41.04,"endTime":41.84,"body":"$900,000"},{"speaker":"SPEAKER_00","startTime":42.0,"endTime":42.16,"body":"or"},{"speaker":"SPEAKER_00","startTime":42.16,"endTime":42.32,"body":"so"},{"speaker":"SPEAKER_00","startTime":42.32,"endTime":42.48,"body":"of"},{"speaker":"SPEAKER_00","startTime":42.48,"endTime":42.96,"body":"equity"},{"speaker":"SPEAKER_00","startTime":42.96,"endTime":43.04,"body":"in"},{"speaker":"SPEAKER_00","startTime":43.04,"endTime":43.2,"body":"their"},{"speaker":"SPEAKER_00","startTime":43.2,"endTime":43.44,"body":"home."},{"speaker":"SPEAKER_00","startTime":43.6,"endTime":43.76,"body":"Now,"},{"speaker":"SPEAKER_00","startTime":43.84,"endTime":44.0,"body":"as"},{"speaker":"SPEAKER_00","startTime":44.0,"endTime":44.16,"body":"of"},{"speaker":"SPEAKER_00","startTime":44.16,"endTime":44.4,"body":"today,"},{"speaker":"SPEAKER_00","startTime":44.48,"endTime":44.72,"body":"that's"},{"speaker":"SPEAKER_00","startTime":44.72,"endTime":45.12,"body":"equity,"},{"speaker":"SPEAKER_00","startTime":45.2,"endTime":45.36,"body":"that's"},{"speaker":"SPEAKER_00","startTime":45.36,"endTime":45.68,"body":"value,"},{"speaker":"SPEAKER_00","startTime":45.76,"endTime":45.84,"body":"but"},{"speaker":"SPEAKER_00","startTime":45.84,"endTime":46.08,"body":"it's"},{"speaker":"SPEAKER_00","startTime":46.08,"endTime":46.16,"body":"not"},{"speaker":"SPEAKER_00","startTime":46.16,"endTime":46.56,"body":"necessarily"},{"speaker":"SPEAKER_00","startTime":46.56,"endTime":46.8,"body":"something"},{"speaker":"SPEAKER_00","startTime":46.8,"endTime":47.04,"body":"they're"},{"speaker":"SPEAKER_00","startTime":47.04,"endTime":47.28,"body":"gonna"},{"speaker":"SPEAKER_00","startTime":47.28,"endTime":47.6,"body":"live"},{"speaker":"SPEAKER_00","startTime":47.6,"endTime":47.76,"body":"on"},{"speaker":"SPEAKER_00","startTime":47.76,"endTime":47.92,"body":"in"},{"speaker":"SPEAKER_00","startTime":47.92,"endTime":48.48,"body":"retirement,"},{"speaker":"SPEAKER_00","startTime":48.56,"endTime":48.72,"body":"at"},{"speaker":"SPEAKER_00","startTime":48.72,"endTime":49.04,"body":"least"},{"speaker":"SPEAKER_00","startTime":49.12,"endTime":49.36,"body":"not"},{"speaker":"SPEAKER_00","startTime":49.36,"endTime":49.92,"body":"initially."},{"speaker":"SPEAKER_00","startTime":50.08,"endTime":50.32,"body":"So"},{"speaker":"SPEAKER_00","startTime":50.4,"endTime":50.56,"body":"they"},{"speaker":"SPEAKER_00","startTime":50.56,"endTime":50.72,"body":"have"},{"speaker":"SPEAKER_00","startTime":50.72,"endTime":51.12,"body":"equity"},{"speaker":"SPEAKER_00","startTime":51.12,"endTime":51.28,"body":"in"},{"speaker":"SPEAKER_00","startTime":51.28,"endTime":51.36,"body":"their"},{"speaker":"SPEAKER_00","startTime":51.36,"endTime":51.6,"body":"home,"},{"speaker":"SPEAKER_00","startTime":51.76,"endTime":51.84,"body":"they"},{"speaker":"SPEAKER_00","startTime":51.92,"endTime":52.08,"body":"have"},{"speaker":"SPEAKER_00","startTime":52.08,"endTime":52.16,"body":"a"},{"speaker":"SPEAKER_00","startTime":52.16,"endTime":52.4,"body":"couple"},{"speaker":"SPEAKER_00","startTime":52.48,"endTime":52.72,"body":"million"},{"speaker":"SPEAKER_00","startTime":52.72,"endTime":52.88,"body":"dollars"},{"speaker":"SPEAKER_00","startTime":52.88,"endTime":52.96,"body":"in"},{"speaker":"SPEAKER_00","startTime":52.96,"endTime":53.12,"body":"their"},{"speaker":"SPEAKER_00","startTime":53.12,"endTime":54.08,"body":"401k,"},{"speaker":"SPEAKER_00","startTime":54.16,"endTime":54.32,"body":"and"},{"speaker":"SPEAKER_00","startTime":54.32,"endTime":54.48,"body":"they're"},{"speaker":"SPEAKER_00","startTime":54.48,"endTime":54.8,"body":"asking"},{"speaker":"SPEAKER_00","startTime":54.8,"endTime":55.36,"body":"themselves,"},{"speaker":"SPEAKER_00","startTime":55.6,"endTime":55.92,"body":"can"},{"speaker":"SPEAKER_00","startTime":55.92,"endTime":56.16,"body":"we"},{"speaker":"SPEAKER_00","startTime":56.16,"endTime":56.32,"body":"do"},{"speaker":"SPEAKER_00","startTime":56.32,"endTime":56.48,"body":"this?"},{"speaker":"SPEAKER_00","startTime":56.64,"endTime":56.96,"body":"Can"},{"speaker":"SPEAKER_00","startTime":56.96,"endTime":57.12,"body":"we"},{"speaker":"SPEAKER_00","startTime":57.12,"endTime":57.6,"body":"retire?"},{"speaker":"SPEAKER_00","startTime":57.76,"endTime":57.92,"body":"So"},{"speaker":"SPEAKER_00","startTime":58.0,"endTime":58.16,"body":"they"},{"speaker":"SPEAKER_00","startTime":58.16,"endTime":58.32,"body":"want"},{"speaker":"SPEAKER_00","startTime":58.32,"endTime":58.48,"body":"to"},{"speaker":"SPEAKER_00","startTime":58.48,"endTime":58.72,"body":"retire"},{"speaker":"SPEAKER_00","startTime":58.72,"endTime":58.88,"body":"at"},{"speaker":"SPEAKER_00","startTime":58.88,"endTime":59.52,"body":"65."},{"speaker":"SPEAKER_00","startTime":59.68,"endTime":59.92,"body":"That"},{"speaker":"SPEAKER_00","startTime":59.92,"endTime":60.16,"body":"feels"},{"speaker":"SPEAKER_00","startTime":60.16,"endTime":60.32,"body":"like"},{"speaker":"SPEAKER_00","startTime":60.32,"endTime":60.48,"body":"the"},{"speaker":"SPEAKER_00","startTime":60.48,"endTime":60.8,"body":"age"},{"speaker":"SPEAKER_00","startTime":60.8,"endTime":60.96,"body":"they're"},{"speaker":"SPEAKER_00","startTime":60.96,"endTime":61.2,"body":"supposed"},{"speaker":"SPEAKER_00","startTime":61.2,"endTime":61.28,"body":"to"},{"speaker":"SPEAKER_00","startTime":61.28,"endTime":61.36,"body":"do"},{"speaker":"SPEAKER_00","startTime":61.36,"endTime":61.44,"body":"it."},{"speaker":"SPEAKER_00","startTime":61.6,"endTime":62.16,"body":"Medicare"},{"speaker":"SPEAKER_00","startTime":62.16,"endTime":62.56,"body":"kicks"},{"speaker":"SPEAKER_00","startTime":62.56,"endTime":62.72,"body":"in,"},{"speaker":"SPEAKER_00","startTime":62.8,"endTime":62.96,"body":"that"},{"speaker":"SPEAKER_00","startTime":62.96,"endTime":63.12,"body":"seems"},{"speaker":"SPEAKER_00","startTime":63.12,"endTime":63.2,"body":"like"},{"speaker":"SPEAKER_00","startTime":63.2,"endTime":63.28,"body":"a"},{"speaker":"SPEAKER_00","startTime":63.28,"endTime":63.6,"body":"traditional"},{"speaker":"SPEAKER_00","startTime":63.6,"endTime":63.84,"body":"age"},{"speaker":"SPEAKER_00","startTime":63.84,"endTime":64.0,"body":"to"},{"speaker":"SPEAKER_00","startTime":64.0,"endTime":64.16,"body":"do"},{"speaker":"SPEAKER_00","startTime":64.16,"endTime":64.24,"body":"so."},{"speaker":"SPEAKER_00","startTime":64.32,"endTime":64.4,"body":"So"},{"speaker":"SPEAKER_00","startTime":64.48,"endTime":64.64,"body":"that's"},{"speaker":"SPEAKER_00","startTime":64.64,"endTime":64.72,"body":"what"},{"speaker":"SPEAKER_00","startTime":64.72,"endTime":64.88,"body":"we're"},{"speaker":"SPEAKER_00","startTime":64.88,"endTime":65.04,"body":"starting"},{"speaker":"SPEAKER_00","startTime":65.04,"endTime":65.2,"body":"with"},{"speaker":"SPEAKER_00","startTime":65.28,"endTime":65.44,"body":"to"},{"speaker":"SPEAKER_00","startTime":65.44,"endTime":65.52,"body":"see"},{"speaker":"SPEAKER_00","startTime":65.6,"endTime":65.76,"body":"is"},{"speaker":"SPEAKER_00","startTime":65.76,"endTime":66.32,"body":"65"},{"speaker":"SPEAKER_00","startTime":66.32,"endTime":66.4,"body":"the"},{"speaker":"SPEAKER_00","startTime":66.4,"endTime":66.64,"body":"right"},{"speaker":"SPEAKER_00","startTime":66.64,"endTime":66.88,"body":"age"},{"speaker":"SPEAKER_00","startTime":66.88,"endTime":67.04,"body":"to"},{"speaker":"SPEAKER_00","startTime":67.04,"endTime":67.2,"body":"do"},{"speaker":"SPEAKER_00","startTime":67.2,"endTime":67.44,"body":"so."},{"speaker":"SPEAKER_00","startTime":67.52,"endTime":67.76,"body":"And"},{"speaker":"SPEAKER_00","startTime":67.76,"endTime":68.0,"body":"their"},{"speaker":"SPEAKER_00","startTime":68.0,"endTime":68.56,"body":"expenses,"},{"speaker":"SPEAKER_00","startTime":68.64,"endTime":68.8,"body":"if"},{"speaker":"SPEAKER_00","startTime":68.8,"endTime":68.96,"body":"we"},{"speaker":"SPEAKER_00","startTime":68.96,"endTime":69.12,"body":"look"},{"speaker":"SPEAKER_00","startTime":69.12,"endTime":69.2,"body":"at"},{"speaker":"SPEAKER_00","startTime":69.2,"endTime":69.36,"body":"a"},{"speaker":"SPEAKER_00","startTime":69.36,"endTime":69.68,"body":"simple"},{"speaker":"SPEAKER_00","startTime":69.68,"endTime":70.08,"body":"projection"},{"speaker":"SPEAKER_00","startTime":70.08,"endTime":70.24,"body":"of"},{"speaker":"SPEAKER_00","startTime":70.24,"endTime":70.32,"body":"what"},{"speaker":"SPEAKER_00","startTime":70.32,"endTime":70.56,"body":"they're"},{"speaker":"SPEAKER_00","startTime":70.56,"endTime":70.88,"body":"spending"},{"speaker":"SPEAKER_00","startTime":70.88,"endTime":71.04,"body":"right"},{"speaker":"SPEAKER_00","startTime":71.04,"endTime":71.2,"body":"now,"},{"speaker":"SPEAKER_00","startTime":71.36,"endTime":71.6,"body":"are"},{"speaker":"SPEAKER_00","startTime":71.6,"endTime":72.56,"body":"$14,000"},{"speaker":"SPEAKER_00","startTime":72.72,"endTime":72.88,"body":"per"},{"speaker":"SPEAKER_00","startTime":72.88,"endTime":73.28,"body":"month."},{"speaker":"SPEAKER_00","startTime":73.44,"endTime":73.68,"body":"Now,"},{"speaker":"SPEAKER_00","startTime":73.76,"endTime":74.16,"body":"don't"},{"speaker":"SPEAKER_00","startTime":74.16,"endTime":74.32,"body":"get"},{"speaker":"SPEAKER_00","startTime":74.32,"endTime":74.56,"body":"too"},{"speaker":"SPEAKER_00","startTime":74.56,"endTime":74.88,"body":"tied"},{"speaker":"SPEAKER_00","startTime":74.88,"endTime":75.04,"body":"up"},{"speaker":"SPEAKER_00","startTime":75.04,"endTime":75.28,"body":"on"},{"speaker":"SPEAKER_00","startTime":75.28,"endTime":75.44,"body":"the"},{"speaker":"SPEAKER_00","startTime":75.44,"endTime":75.92,"body":"specific"},{"speaker":"SPEAKER_00","startTime":75.92,"endTime":76.48,"body":"expenses."},{"speaker":"SPEAKER_00","startTime":76.64,"endTime":76.96,"body":"Your"},{"speaker":"SPEAKER_00","startTime":76.96,"endTime":77.44,"body":"expenses"},{"speaker":"SPEAKER_00","startTime":77.44,"endTime":77.6,"body":"might"},{"speaker":"SPEAKER_00","startTime":77.6,"endTime":77.76,"body":"be"},{"speaker":"SPEAKER_00","startTime":77.76,"endTime":78.4,"body":"$4,000"},{"speaker":"SPEAKER_00","startTime":78.4,"endTime":78.48,"body":"per"},{"speaker":"SPEAKER_00","startTime":78.48,"endTime":78.72,"body":"month,"},{"speaker":"SPEAKER_00","startTime":78.8,"endTime":78.96,"body":"or"},{"speaker":"SPEAKER_00","startTime":78.96,"endTime":79.12,"body":"your"},{"speaker":"SPEAKER_00","startTime":79.12,"endTime":79.6,"body":"expenses"},{"speaker":"SPEAKER_00","startTime":79.6,"endTime":79.76,"body":"might"},{"speaker":"SPEAKER_00","startTime":79.76,"endTime":79.84,"body":"be"},{"speaker":"SPEAKER_00","startTime":79.84,"endTime":80.72,"body":"$24,000"},{"speaker":"SPEAKER_00","startTime":80.72,"endTime":80.88,"body":"per"},{"speaker":"SPEAKER_00","startTime":80.88,"endTime":81.12,"body":"month."},{"speaker":"SPEAKER_00","startTime":81.28,"endTime":81.84,"body":"Regardless"},{"speaker":"SPEAKER_00","startTime":81.84,"endTime":81.92,"body":"of"},{"speaker":"SPEAKER_00","startTime":81.92,"endTime":82.08,"body":"what"},{"speaker":"SPEAKER_00","startTime":82.08,"endTime":82.24,"body":"they"},{"speaker":"SPEAKER_00","startTime":82.24,"endTime":82.4,"body":"are,"},{"speaker":"SPEAKER_00","startTime":82.56,"endTime":82.72,"body":"look"},{"speaker":"SPEAKER_00","startTime":82.72,"endTime":82.8,"body":"at"},{"speaker":"SPEAKER_00","startTime":82.8,"endTime":82.88,"body":"the"},{"speaker":"SPEAKER_00","startTime":82.88,"endTime":83.36,"body":"framework"},{"speaker":"SPEAKER_00","startTime":83.36,"endTime":83.52,"body":"that"},{"speaker":"SPEAKER_00","startTime":83.52,"endTime":83.68,"body":"we're"},{"speaker":"SPEAKER_00","startTime":83.68,"endTime":83.84,"body":"gonna"},{"speaker":"SPEAKER_00","startTime":83.84,"endTime":84.0,"body":"go"},{"speaker":"SPEAKER_00","startTime":84.0,"endTime":84.24,"body":"through"},{"speaker":"SPEAKER_00","startTime":84.24,"endTime":84.4,"body":"as"},{"speaker":"SPEAKER_00","startTime":84.4,"endTime":84.48,"body":"we"},{"speaker":"SPEAKER_00","startTime":84.48,"endTime":84.72,"body":"walk"},{"speaker":"SPEAKER_00","startTime":84.72,"endTime":85.04,"body":"through"},{"speaker":"SPEAKER_00","startTime":85.04,"endTime":85.2,"body":"this."},{"speaker":"SPEAKER_00","startTime":85.36,"endTime":85.52,"body":"So"},{"speaker":"SPEAKER_00","startTime":85.68,"endTime":85.92,"body":"their"},{"speaker":"SPEAKER_00","startTime":85.92,"endTime":86.16,"body":"core"},{"speaker":"SPEAKER_00","startTime":86.16,"endTime":86.64,"body":"expenses"},{"speaker":"SPEAKER_00","startTime":86.64,"endTime":86.8,"body":"are"},{"speaker":"SPEAKER_00","startTime":86.8,"endTime":87.52,"body":"$14,000"},{"speaker":"SPEAKER_00","startTime":87.52,"endTime":87.68,"body":"per"},{"speaker":"SPEAKER_00","startTime":87.68,"endTime":88.0,"body":"month."},{"speaker":"SPEAKER_00","startTime":88.16,"endTime":88.4,"body":"We"},{"speaker":"SPEAKER_00","startTime":88.4,"endTime":88.56,"body":"have"},{"speaker":"SPEAKER_00","startTime":88.56,"endTime":88.8,"body":"a"},{"speaker":"SPEAKER_00","startTime":88.8,"endTime":89.2,"body":"separate"},{"speaker":"SPEAKER_00","startTime":89.2,"endTime":89.52,"body":"travel"},{"speaker":"SPEAKER_00","startTime":89.52,"endTime":89.84,"body":"budget"},{"speaker":"SPEAKER_00","startTime":89.84,"endTime":90.0,"body":"right"},{"speaker":"SPEAKER_00","startTime":90.0,"endTime":90.16,"body":"here."},{"speaker":"SPEAKER_00","startTime":90.24,"endTime":90.4,"body":"I'm"},{"speaker":"SPEAKER_00","startTime":90.4,"endTime":90.64,"body":"keeping"},{"speaker":"SPEAKER_00","startTime":90.64,"endTime":90.8,"body":"that"},{"speaker":"SPEAKER_00","startTime":90.8,"endTime":90.96,"body":"as"},{"speaker":"SPEAKER_00","startTime":90.96,"endTime":91.12,"body":"a"},{"speaker":"SPEAKER_00","startTime":91.12,"endTime":91.44,"body":"zero"},{"speaker":"SPEAKER_00","startTime":91.44,"endTime":91.6,"body":"right"},{"speaker":"SPEAKER_00","startTime":91.6,"endTime":91.68,"body":"now,"},{"speaker":"SPEAKER_00","startTime":91.76,"endTime":91.84,"body":"and"},{"speaker":"SPEAKER_00","startTime":91.84,"endTime":92.08,"body":"you'll"},{"speaker":"SPEAKER_00","startTime":92.08,"endTime":92.24,"body":"see"},{"speaker":"SPEAKER_00","startTime":92.24,"endTime":92.48,"body":"why"},{"speaker":"SPEAKER_00","startTime":92.48,"endTime":92.64,"body":"in"},{"speaker":"SPEAKER_00","startTime":92.64,"endTime":92.8,"body":"just"},{"speaker":"SPEAKER_00","startTime":92.8,"endTime":92.88,"body":"a"},{"speaker":"SPEAKER_00","startTime":92.88,"endTime":92.96,"body":"couple"},{"speaker":"SPEAKER_00","startTime":93.04,"endTime":93.2,"body":"minutes"},{"speaker":"SPEAKER_00","startTime":93.28,"endTime":93.44,"body":"of"},{"speaker":"SPEAKER_00","startTime":93.44,"endTime":93.6,"body":"why"},{"speaker":"SPEAKER_00","startTime":93.6,"endTime":93.76,"body":"I'm"},{"speaker":"SPEAKER_00","startTime":93.76,"endTime":93.92,"body":"doing"},{"speaker":"SPEAKER_00","startTime":93.92,"endTime":94.16,"body":"that."},{"speaker":"SPEAKER_00","startTime":94.24,"endTime":94.56,"body":"But"},{"speaker":"SPEAKER_00","startTime":94.56,"endTime":95.28,"body":"$14,000"},{"speaker":"SPEAKER_00","startTime":95.28,"endTime":95.44,"body":"per"},{"speaker":"SPEAKER_00","startTime":95.44,"endTime":95.68,"body":"month,"},{"speaker":"SPEAKER_00","startTime":95.84,"endTime":96.08,"body":"which"},{"speaker":"SPEAKER_00","startTime":96.08,"endTime":96.24,"body":"to"},{"speaker":"SPEAKER_00","startTime":96.24,"endTime":96.48,"body":"them"},{"speaker":"SPEAKER_00","startTime":96.48,"endTime":96.96,"body":"covers"},{"speaker":"SPEAKER_00","startTime":96.96,"endTime":97.12,"body":"their"},{"speaker":"SPEAKER_00","startTime":97.12,"endTime":97.52,"body":"travel."},{"speaker":"SPEAKER_00","startTime":97.68,"endTime":97.92,"body":"They"},{"speaker":"SPEAKER_00","startTime":97.92,"endTime":98.24,"body":"spend"},{"speaker":"SPEAKER_00","startTime":98.24,"endTime":98.48,"body":"about"},{"speaker":"SPEAKER_00","startTime":98.48,"endTime":99.28,"body":"$50,000"},{"speaker":"SPEAKER_00","startTime":99.28,"endTime":99.44,"body":"per"},{"speaker":"SPEAKER_00","startTime":99.44,"endTime":99.6,"body":"year,"},{"speaker":"SPEAKER_00","startTime":99.76,"endTime":100.48,"body":"$48,000"},{"speaker":"SPEAKER_00","startTime":100.48,"endTime":100.64,"body":"per"},{"speaker":"SPEAKER_00","startTime":100.64,"endTime":100.8,"body":"year"},{"speaker":"SPEAKER_00","startTime":100.8,"endTime":100.88,"body":"or"},{"speaker":"SPEAKER_00","startTime":100.88,"endTime":101.04,"body":"so"},{"speaker":"SPEAKER_00","startTime":101.04,"endTime":101.2,"body":"on"},{"speaker":"SPEAKER_00","startTime":101.2,"endTime":101.44,"body":"travel."},{"speaker":"SPEAKER_00","startTime":101.52,"endTime":101.68,"body":"And"},{"speaker":"SPEAKER_00","startTime":101.68,"endTime":101.76,"body":"the"},{"speaker":"SPEAKER_00","startTime":101.76,"endTime":102.0,"body":"other"},{"speaker":"SPEAKER_00","startTime":102.0,"endTime":102.8,"body":"$10,000"},{"speaker":"SPEAKER_00","startTime":102.8,"endTime":103.12,"body":"or"},{"speaker":"SPEAKER_00","startTime":103.12,"endTime":103.44,"body":"so"},{"speaker":"SPEAKER_00","startTime":103.44,"endTime":103.6,"body":"per"},{"speaker":"SPEAKER_00","startTime":103.6,"endTime":103.92,"body":"month"},{"speaker":"SPEAKER_00","startTime":103.92,"endTime":104.08,"body":"is"},{"speaker":"SPEAKER_00","startTime":104.08,"endTime":104.48,"body":"actually"},{"speaker":"SPEAKER_00","startTime":104.48,"endTime":104.88,"body":"core"},{"speaker":"SPEAKER_00","startTime":104.88,"endTime":105.28,"body":"living"},{"speaker":"SPEAKER_00","startTime":105.28,"endTime":105.84,"body":"expenses"},{"speaker":"SPEAKER_00","startTime":105.84,"endTime":106.0,"body":"for"},{"speaker":"SPEAKER_00","startTime":106.0,"endTime":106.24,"body":"them."},{"speaker":"SPEAKER_00","startTime":106.48,"endTime":106.64,"body":"Then"},{"speaker":"SPEAKER_00","startTime":106.72,"endTime":107.04,"body":"beyond"},{"speaker":"SPEAKER_00","startTime":107.04,"endTime":107.2,"body":"that,"},{"speaker":"SPEAKER_00","startTime":107.28,"endTime":107.44,"body":"they"},{"speaker":"SPEAKER_00","startTime":107.44,"endTime":107.6,"body":"have"},{"speaker":"SPEAKER_00","startTime":107.6,"endTime":107.76,"body":"their"},{"speaker":"SPEAKER_00","startTime":107.76,"endTime":108.16,"body":"medical"},{"speaker":"SPEAKER_00","startTime":108.16,"endTime":108.72,"body":"expenses."},{"speaker":"SPEAKER_00","startTime":108.88,"endTime":109.12,"body":"If"},{"speaker":"SPEAKER_00","startTime":109.12,"endTime":109.28,"body":"they"},{"speaker":"SPEAKER_00","startTime":109.28,"endTime":109.44,"body":"were"},{"speaker":"SPEAKER_00","startTime":109.44,"endTime":109.6,"body":"to"},{"speaker":"SPEAKER_00","startTime":109.6,"endTime":110.0,"body":"retire"},{"speaker":"SPEAKER_00","startTime":110.0,"endTime":110.8,"body":"pre-Medicare,"},{"speaker":"SPEAKER_00","startTime":110.88,"endTime":111.04,"body":"they"},{"speaker":"SPEAKER_00","startTime":111.04,"endTime":111.2,"body":"would"},{"speaker":"SPEAKER_00","startTime":111.2,"endTime":111.28,"body":"need"},{"speaker":"SPEAKER_00","startTime":111.28,"endTime":111.36,"body":"to"},{"speaker":"SPEAKER_00","startTime":111.36,"endTime":111.44,"body":"be"},{"speaker":"SPEAKER_00","startTime":111.44,"endTime":111.6,"body":"able"},{"speaker":"SPEAKER_00","startTime":111.6,"endTime":111.76,"body":"to"},{"speaker":"SPEAKER_00","startTime":111.76,"endTime":111.92,"body":"plan"},{"speaker":"SPEAKER_00","startTime":111.92,"endTime":112.08,"body":"for"},{"speaker":"SPEAKER_00","startTime":112.08,"endTime":112.88,"body":"$9,600"},{"speaker":"SPEAKER_00","startTime":113.12,"endTime":113.28,"body":"per"},{"speaker":"SPEAKER_00","startTime":113.28,"endTime":113.44,"body":"year"},{"speaker":"SPEAKER_00","startTime":113.44,"endTime":113.6,"body":"for"},{"speaker":"SPEAKER_00","startTime":113.6,"endTime":113.76,"body":"each"},{"speaker":"SPEAKER_00","startTime":113.76,"endTime":113.92,"body":"of"},{"speaker":"SPEAKER_00","startTime":113.92,"endTime":114.08,"body":"them"},{"speaker":"SPEAKER_00","startTime":114.08,"endTime":114.32,"body":"for"},{"speaker":"SPEAKER_00","startTime":114.32,"endTime":114.8,"body":"medical"},{"speaker":"SPEAKER_00","startTime":114.8,"endTime":115.36,"body":"costs."},{"speaker":"SPEAKER_00","startTime":115.68,"endTime":116.24,"body":"After"},{"speaker":"SPEAKER_00","startTime":116.24,"endTime":116.64,"body":"age"},{"speaker":"SPEAKER_00","startTime":116.64,"endTime":117.36,"body":"65,"},{"speaker":"SPEAKER_00","startTime":117.44,"endTime":117.68,"body":"they"},{"speaker":"SPEAKER_00","startTime":117.68,"endTime":117.84,"body":"have"},{"speaker":"SPEAKER_00","startTime":117.84,"endTime":118.0,"body":"their"},{"speaker":"SPEAKER_00","startTime":118.0,"endTime":118.48,"body":"Medicare"},{"speaker":"SPEAKER_00","startTime":118.48,"endTime":118.8,"body":"Part"},{"speaker":"SPEAKER_00","startTime":118.8,"endTime":118.96,"body":"B"},{"speaker":"SPEAKER_00","startTime":118.96,"endTime":119.04,"body":"and"},{"speaker":"SPEAKER_00","startTime":119.04,"endTime":119.12,"body":"part"},{"speaker":"SPEAKER_00","startTime":119.36,"endTime":119.6,"body":"D"},{"speaker":"SPEAKER_00","startTime":119.6,"endTime":120.0,"body":"premiums."},{"speaker":"SPEAKER_00","startTime":120.08,"endTime":120.24,"body":"And"},{"speaker":"SPEAKER_00","startTime":120.24,"endTime":120.4,"body":"then"},{"speaker":"SPEAKER_00","startTime":120.4,"endTime":120.56,"body":"they're"},{"speaker":"SPEAKER_00","startTime":120.56,"endTime":121.04,"body":"estimating"},{"speaker":"SPEAKER_00","startTime":121.04,"endTime":121.2,"body":"an"},{"speaker":"SPEAKER_00","startTime":121.2,"endTime":121.6,"body":"additional"},{"speaker":"SPEAKER_00","startTime":121.6,"endTime":122.24,"body":"$4,000"},{"speaker":"SPEAKER_00","startTime":122.48,"endTime":122.64,"body":"per"},{"speaker":"SPEAKER_00","startTime":122.64,"endTime":122.8,"body":"year"},{"speaker":"SPEAKER_00","startTime":122.8,"endTime":122.96,"body":"of"},{"speaker":"SPEAKER_00","startTime":122.96,"endTime":123.68,"body":"out-of-pocket"},{"speaker":"SPEAKER_00","startTime":123.68,"endTime":124.0,"body":"costs"},{"speaker":"SPEAKER_00","startTime":124.08,"endTime":124.4,"body":"beyond"},{"speaker":"SPEAKER_00","startTime":124.4,"endTime":124.64,"body":"that."},{"speaker":"SPEAKER_00","startTime":124.8,"endTime":125.04,"body":"So"},{"speaker":"SPEAKER_00","startTime":125.28,"endTime":125.6,"body":"these"},{"speaker":"SPEAKER_00","startTime":125.6,"endTime":125.92,"body":"are"},{"speaker":"SPEAKER_00","startTime":125.92,"endTime":126.24,"body":"their"},{"speaker":"SPEAKER_00","startTime":126.24,"endTime":126.8,"body":"expenses,"},{"speaker":"SPEAKER_00","startTime":126.96,"endTime":127.12,"body":"these"},{"speaker":"SPEAKER_00","startTime":127.12,"endTime":127.28,"body":"are"},{"speaker":"SPEAKER_00","startTime":127.28,"endTime":127.44,"body":"their"},{"speaker":"SPEAKER_00","startTime":127.44,"endTime":127.84,"body":"goals."},{"speaker":"SPEAKER_00","startTime":128.0,"endTime":128.16,"body":"Their"},{"speaker":"SPEAKER_00","startTime":128.16,"endTime":128.64,"body":"income"},{"speaker":"SPEAKER_00","startTime":128.64,"endTime":129.12,"body":"today"},{"speaker":"SPEAKER_00","startTime":129.12,"endTime":129.36,"body":"is"},{"speaker":"SPEAKER_00","startTime":129.36,"endTime":129.6,"body":"their"},{"speaker":"SPEAKER_00","startTime":129.6,"endTime":130.16,"body":"salaries."},{"speaker":"SPEAKER_00","startTime":130.32,"endTime":130.48,"body":"So"},{"speaker":"SPEAKER_00","startTime":130.56,"endTime":130.8,"body":"they"},{"speaker":"SPEAKER_00","startTime":130.8,"endTime":130.96,"body":"make"},{"speaker":"SPEAKER_00","startTime":130.96,"endTime":131.12,"body":"a"},{"speaker":"SPEAKER_00","startTime":131.12,"endTime":131.52,"body":"healthy"},{"speaker":"SPEAKER_00","startTime":131.52,"endTime":131.84,"body":"income"},{"speaker":"SPEAKER_00","startTime":131.84,"endTime":132.16,"body":"today."},{"speaker":"SPEAKER_00","startTime":132.32,"endTime":132.48,"body":"This"},{"speaker":"SPEAKER_00","startTime":132.48,"endTime":132.64,"body":"is"},{"speaker":"SPEAKER_00","startTime":132.64,"endTime":133.04,"body":"supporting"},{"speaker":"SPEAKER_00","startTime":133.04,"endTime":133.2,"body":"all"},{"speaker":"SPEAKER_00","startTime":133.2,"endTime":133.28,"body":"of"},{"speaker":"SPEAKER_00","startTime":133.28,"endTime":133.44,"body":"their"},{"speaker":"SPEAKER_00","startTime":133.44,"endTime":133.76,"body":"needs."},{"speaker":"SPEAKER_00","startTime":133.92,"endTime":134.16,"body":"When"},{"speaker":"SPEAKER_00","startTime":134.16,"endTime":134.32,"body":"they"},{"speaker":"SPEAKER_00","startTime":134.32,"endTime":134.64,"body":"retire,"},{"speaker":"SPEAKER_00","startTime":134.72,"endTime":134.88,"body":"of"},{"speaker":"SPEAKER_00","startTime":134.88,"endTime":135.04,"body":"course,"},{"speaker":"SPEAKER_00","startTime":135.12,"endTime":135.28,"body":"that"},{"speaker":"SPEAKER_00","startTime":135.28,"endTime":135.44,"body":"goes"},{"speaker":"SPEAKER_00","startTime":135.44,"endTime":135.76,"body":"away."},{"speaker":"SPEAKER_00","startTime":135.84,"endTime":136.08,"body":"But"},{"speaker":"SPEAKER_00","startTime":136.08,"endTime":136.4,"body":"Michael"},{"speaker":"SPEAKER_00","startTime":136.4,"endTime":136.56,"body":"will"},{"speaker":"SPEAKER_00","startTime":136.56,"endTime":136.72,"body":"have"},{"speaker":"SPEAKER_00","startTime":136.72,"endTime":136.96,"body":"his"},{"speaker":"SPEAKER_00","startTime":136.96,"endTime":137.04,"body":"social"},{"speaker":"SPEAKER_00","startTime":137.2,"endTime":137.6,"body":"security"},{"speaker":"SPEAKER_00","startTime":137.6,"endTime":137.76,"body":"at"},{"speaker":"SPEAKER_00","startTime":137.76,"endTime":138.08,"body":"age"},{"speaker":"SPEAKER_00","startTime":138.08,"endTime":138.48,"body":"70."},{"speaker":"SPEAKER_00","startTime":138.64,"endTime":138.72,"body":"You"},{"speaker":"SPEAKER_00","startTime":138.72,"endTime":138.88,"body":"can"},{"speaker":"SPEAKER_00","startTime":138.88,"endTime":139.04,"body":"see"},{"speaker":"SPEAKER_00","startTime":139.04,"endTime":139.28,"body":"we're"},{"speaker":"SPEAKER_00","startTime":139.28,"endTime":139.52,"body":"planning"},{"speaker":"SPEAKER_00","startTime":139.6,"endTime":139.76,"body":"for"},{"speaker":"SPEAKER_00","startTime":139.76,"endTime":140.32,"body":"$4,000"},{"speaker":"SPEAKER_00","startTime":140.32,"endTime":140.4,"body":"per"},{"speaker":"SPEAKER_00","startTime":140.4,"endTime":140.64,"body":"month"},{"speaker":"SPEAKER_00","startTime":140.64,"endTime":140.72,"body":"for"},{"speaker":"SPEAKER_00","startTime":140.72,"endTime":141.12,"body":"Michael."},{"speaker":"SPEAKER_00","startTime":141.36,"endTime":141.92,"body":"Lisa"},{"speaker":"SPEAKER_00","startTime":141.92,"endTime":142.08,"body":"will"},{"speaker":"SPEAKER_00","startTime":142.08,"endTime":142.16,"body":"have"},{"speaker":"SPEAKER_00","startTime":142.16,"endTime":142.32,"body":"her"},{"speaker":"SPEAKER_00","startTime":142.32,"endTime":142.72,"body":"benefit"},{"speaker":"SPEAKER_00","startTime":142.72,"endTime":142.88,"body":"at"},{"speaker":"SPEAKER_00","startTime":142.88,"endTime":143.2,"body":"$70,000"},{"speaker":"SPEAKER_00","startTime":143.28,"endTime":143.44,"body":"of"},{"speaker":"SPEAKER_00","startTime":143.44,"endTime":144.24,"body":"$3,900"},{"speaker":"SPEAKER_00","startTime":144.48,"endTime":144.64,"body":"per"},{"speaker":"SPEAKER_00","startTime":144.64,"endTime":144.88,"body":"month."},{"speaker":"SPEAKER_00","startTime":145.04,"endTime":145.2,"body":"And"},{"speaker":"SPEAKER_00","startTime":145.2,"endTime":145.44,"body":"then"},{"speaker":"SPEAKER_00","startTime":145.44,"endTime":145.6,"body":"they"},{"speaker":"SPEAKER_00","startTime":145.6,"endTime":146.0,"body":"expect"},{"speaker":"SPEAKER_00","startTime":146.0,"endTime":146.16,"body":"an"},{"speaker":"SPEAKER_00","startTime":146.16,"endTime":146.72,"body":"inheritance."},{"speaker":"SPEAKER_00","startTime":146.8,"endTime":147.12,"body":"There's"},{"speaker":"SPEAKER_00","startTime":147.12,"endTime":147.44,"body":"probably"},{"speaker":"SPEAKER_00","startTime":147.44,"endTime":147.76,"body":"something"},{"speaker":"SPEAKER_00","startTime":147.76,"endTime":148.0,"body":"there,"},{"speaker":"SPEAKER_00","startTime":148.16,"endTime":148.32,"body":"but"},{"speaker":"SPEAKER_00","startTime":148.32,"endTime":148.56,"body":"we're"},{"speaker":"SPEAKER_00","startTime":148.56,"endTime":148.96,"body":"showing"},{"speaker":"SPEAKER_00","startTime":148.96,"endTime":149.36,"body":"zero."},{"speaker":"SPEAKER_00","startTime":149.52,"endTime":149.68,"body":"We"},{"speaker":"SPEAKER_00","startTime":149.68,"endTime":149.84,"body":"want"},{"speaker":"SPEAKER_00","startTime":149.84,"endTime":150.08,"body":"to"},{"speaker":"SPEAKER_00","startTime":150.08,"endTime":150.24,"body":"see"},{"speaker":"SPEAKER_00","startTime":150.4,"endTime":150.64,"body":"can"},{"speaker":"SPEAKER_00","startTime":150.64,"endTime":150.8,"body":"you"},{"speaker":"SPEAKER_00","startTime":150.8,"endTime":151.28,"body":"retire?"},{"speaker":"SPEAKER_00","startTime":151.44,"endTime":151.6,"body":"Can"},{"speaker":"SPEAKER_00","startTime":151.6,"endTime":151.76,"body":"you"},{"speaker":"SPEAKER_00","startTime":151.76,"endTime":152.0,"body":"make"},{"speaker":"SPEAKER_00","startTime":152.0,"endTime":152.16,"body":"this"},{"speaker":"SPEAKER_00","startTime":152.16,"endTime":152.56,"body":"happen"},{"speaker":"SPEAKER_00","startTime":152.64,"endTime":153.28,"body":"regardless"},{"speaker":"SPEAKER_00","startTime":153.28,"endTime":153.44,"body":"of"},{"speaker":"SPEAKER_00","startTime":153.44,"endTime":153.76,"body":"whether"},{"speaker":"SPEAKER_00","startTime":153.76,"endTime":153.92,"body":"or"},{"speaker":"SPEAKER_00","startTime":153.92,"endTime":154.08,"body":"not"},{"speaker":"SPEAKER_00","startTime":154.08,"endTime":154.24,"body":"you"},{"speaker":"SPEAKER_00","startTime":154.24,"endTime":154.56,"body":"receive"},{"speaker":"SPEAKER_00","startTime":154.56,"endTime":154.88,"body":"anything"},{"speaker":"SPEAKER_00","startTime":154.88,"endTime":155.04,"body":"in"},{"speaker":"SPEAKER_00","startTime":155.04,"endTime":155.2,"body":"an"},{"speaker":"SPEAKER_00","startTime":155.2,"endTime":155.92,"body":"inheritance?"},{"speaker":"SPEAKER_00","startTime":156.16,"endTime":156.4,"body":"Then"},{"speaker":"SPEAKER_00","startTime":156.4,"endTime":156.56,"body":"we"},{"speaker":"SPEAKER_00","startTime":156.56,"endTime":156.72,"body":"can"},{"speaker":"SPEAKER_00","startTime":156.72,"endTime":157.36,"body":"illustrate"},{"speaker":"SPEAKER_00","startTime":157.36,"endTime":157.52,"body":"what"},{"speaker":"SPEAKER_00","startTime":157.52,"endTime":157.76,"body":"would"},{"speaker":"SPEAKER_00","startTime":157.76,"endTime":157.92,"body":"the"},{"speaker":"SPEAKER_00","startTime":157.92,"endTime":158.16,"body":"actual"},{"speaker":"SPEAKER_00","startTime":158.16,"endTime":158.48,"body":"impact"},{"speaker":"SPEAKER_00","startTime":158.48,"endTime":158.64,"body":"of"},{"speaker":"SPEAKER_00","startTime":158.64,"endTime":158.8,"body":"that"},{"speaker":"SPEAKER_00","startTime":158.8,"endTime":159.36,"body":"inheritance"},{"speaker":"SPEAKER_00","startTime":159.36,"endTime":159.44,"body":"be."},{"speaker":"SPEAKER_00","startTime":159.68,"endTime":159.84,"body":"But"},{"speaker":"SPEAKER_00","startTime":159.84,"endTime":160.0,"body":"for"},{"speaker":"SPEAKER_00","startTime":160.0,"endTime":160.16,"body":"now,"},{"speaker":"SPEAKER_00","startTime":160.24,"endTime":160.4,"body":"we're"},{"speaker":"SPEAKER_00","startTime":160.4,"endTime":160.8,"body":"planning"},{"speaker":"SPEAKER_00","startTime":160.8,"endTime":160.96,"body":"for"},{"speaker":"SPEAKER_00","startTime":160.96,"endTime":161.2,"body":"zero"},{"speaker":"SPEAKER_00","startTime":161.28,"endTime":161.44,"body":"so"},{"speaker":"SPEAKER_00","startTime":161.44,"endTime":161.6,"body":"that"},{"speaker":"SPEAKER_00","startTime":161.6,"endTime":161.76,"body":"we"},{"speaker":"SPEAKER_00","startTime":161.76,"endTime":162.0,"body":"don't"},{"speaker":"SPEAKER_00","startTime":162.0,"endTime":162.48,"body":"bake"},{"speaker":"SPEAKER_00","startTime":162.48,"endTime":162.64,"body":"that"},{"speaker":"SPEAKER_00","startTime":162.64,"endTime":162.8,"body":"into"},{"speaker":"SPEAKER_00","startTime":162.96,"endTime":163.28,"body":"their"},{"speaker":"SPEAKER_00","startTime":163.28,"endTime":163.92,"body":"initial"},{"speaker":"SPEAKER_00","startTime":163.92,"endTime":164.24,"body":"plan,"},{"speaker":"SPEAKER_00","startTime":164.4,"endTime":164.96,"body":"planning"},{"speaker":"SPEAKER_00","startTime":164.96,"endTime":165.52,"body":"scenario."},{"speaker":"SPEAKER_00","startTime":165.76,"endTime":165.92,"body":"So"},{"speaker":"SPEAKER_00","startTime":166.0,"endTime":166.32,"body":"that's"},{"speaker":"SPEAKER_00","startTime":166.32,"endTime":166.48,"body":"their"},{"speaker":"SPEAKER_00","startTime":166.48,"endTime":166.8,"body":"income."},{"speaker":"SPEAKER_00","startTime":166.88,"endTime":167.04,"body":"They're"},{"speaker":"SPEAKER_00","startTime":167.04,"endTime":167.2,"body":"both"},{"speaker":"SPEAKER_00","startTime":167.2,"endTime":167.6,"body":"saving"},{"speaker":"SPEAKER_00","startTime":167.6,"endTime":167.76,"body":"10%"},{"speaker":"SPEAKER_00","startTime":168.0,"endTime":168.08,"body":"to"},{"speaker":"SPEAKER_00","startTime":168.08,"endTime":168.24,"body":"their"},{"speaker":"SPEAKER_00","startTime":168.24,"endTime":169.04,"body":"401ks."},{"speaker":"SPEAKER_00","startTime":169.2,"endTime":169.36,"body":"And"},{"speaker":"SPEAKER_00","startTime":169.36,"endTime":169.52,"body":"what"},{"speaker":"SPEAKER_00","startTime":169.52,"endTime":169.6,"body":"we"},{"speaker":"SPEAKER_00","startTime":169.6,"endTime":169.76,"body":"want"},{"speaker":"SPEAKER_00","startTime":169.76,"endTime":169.92,"body":"to"},{"speaker":"SPEAKER_00","startTime":169.92,"endTime":170.16,"body":"know"},{"speaker":"SPEAKER_00","startTime":170.16,"endTime":170.32,"body":"is,"},{"speaker":"SPEAKER_00","startTime":170.56,"endTime":170.8,"body":"are"},{"speaker":"SPEAKER_00","startTime":170.8,"endTime":170.96,"body":"they"},{"speaker":"SPEAKER_00","startTime":170.96,"endTime":171.12,"body":"on"},{"speaker":"SPEAKER_00","startTime":171.12,"endTime":171.44,"body":"track"},{"speaker":"SPEAKER_00","startTime":171.44,"endTime":171.6,"body":"to"},{"speaker":"SPEAKER_00","startTime":171.6,"endTime":171.76,"body":"do"},{"speaker":"SPEAKER_00","startTime":171.76,"endTime":172.0,"body":"all"},{"speaker":"SPEAKER_00","startTime":172.0,"endTime":172.24,"body":"this?"},{"speaker":"SPEAKER_00","startTime":172.4,"endTime":172.56,"body":"So"},{"speaker":"SPEAKER_00","startTime":172.64,"endTime":172.8,"body":"I'm"},{"speaker":"SPEAKER_00","startTime":172.8,"endTime":172.96,"body":"going"},{"speaker":"SPEAKER_00","startTime":172.96,"endTime":173.04,"body":"to"},{"speaker":"SPEAKER_00","startTime":173.04,"endTime":173.2,"body":"go"},{"speaker":"SPEAKER_00","startTime":173.2,"endTime":173.28,"body":"to"},{"speaker":"SPEAKER_00","startTime":173.28,"endTime":173.44,"body":"their"},{"speaker":"SPEAKER_00","startTime":173.44,"endTime":173.92,"body":"retirement"},{"speaker":"SPEAKER_00","startTime":173.92,"endTime":174.16,"body":"tab"},{"speaker":"SPEAKER_00","startTime":174.16,"endTime":174.32,"body":"and"},{"speaker":"SPEAKER_00","startTime":174.32,"endTime":174.48,"body":"go"},{"speaker":"SPEAKER_00","startTime":174.48,"endTime":174.64,"body":"to"},{"speaker":"SPEAKER_00","startTime":174.64,"endTime":174.88,"body":"cash"},{"speaker":"SPEAKER_00","startTime":174.88,"endTime":175.28,"body":"flows."},{"speaker":"SPEAKER_00","startTime":175.36,"endTime":175.52,"body":"The"},{"speaker":"SPEAKER_00","startTime":175.52,"endTime":175.76,"body":"cash"},{"speaker":"SPEAKER_00","startTime":175.76,"endTime":176.16,"body":"flows"},{"speaker":"SPEAKER_00","startTime":176.16,"endTime":176.24,"body":"is"},{"speaker":"SPEAKER_00","startTime":176.24,"endTime":176.4,"body":"the"},{"speaker":"SPEAKER_00","startTime":176.4,"endTime":176.96,"body":"lifeblood"},{"speaker":"SPEAKER_00","startTime":176.96,"endTime":177.12,"body":"of"},{"speaker":"SPEAKER_00","startTime":177.12,"endTime":177.68,"body":"everybody's"},{"speaker":"SPEAKER_00","startTime":177.68,"endTime":178.16,"body":"retirement"},{"speaker":"SPEAKER_00","startTime":178.16,"endTime":178.56,"body":"strategy."},{"speaker":"SPEAKER_00","startTime":178.72,"endTime":178.88,"body":"If"},{"speaker":"SPEAKER_00","startTime":178.88,"endTime":178.96,"body":"you"},{"speaker":"SPEAKER_00","startTime":178.96,"endTime":179.12,"body":"want"},{"speaker":"SPEAKER_00","startTime":179.12,"endTime":179.2,"body":"to"},{"speaker":"SPEAKER_00","startTime":179.2,"endTime":179.36,"body":"know"},{"speaker":"SPEAKER_00","startTime":179.36,"endTime":179.44,"body":"if"},{"speaker":"SPEAKER_00","startTime":179.44,"endTime":179.6,"body":"you"},{"speaker":"SPEAKER_00","startTime":179.6,"endTime":179.76,"body":"can"},{"speaker":"SPEAKER_00","startTime":179.76,"endTime":180.16,"body":"retire,"},{"speaker":"SPEAKER_00","startTime":180.24,"endTime":180.4,"body":"the"},{"speaker":"SPEAKER_00","startTime":180.4,"endTime":180.64,"body":"question"},{"speaker":"SPEAKER_00","startTime":180.64,"endTime":180.8,"body":"is:"},{"speaker":"SPEAKER_00","startTime":180.96,"endTime":181.12,"body":"do"},{"speaker":"SPEAKER_00","startTime":181.12,"endTime":181.2,"body":"you"},{"speaker":"SPEAKER_00","startTime":181.2,"endTime":181.36,"body":"have"},{"speaker":"SPEAKER_00","startTime":181.36,"endTime":181.76,"body":"enough"},{"speaker":"SPEAKER_00","startTime":181.76,"endTime":182.16,"body":"income"},{"speaker":"SPEAKER_00","startTime":182.16,"endTime":182.64,"body":"flows"},{"speaker":"SPEAKER_00","startTime":182.64,"endTime":183.04,"body":"coming"},{"speaker":"SPEAKER_00","startTime":183.04,"endTime":183.28,"body":"in"},{"speaker":"SPEAKER_00","startTime":183.28,"endTime":183.52,"body":"to"},{"speaker":"SPEAKER_00","startTime":183.52,"endTime":183.84,"body":"meet"},{"speaker":"SPEAKER_00","startTime":183.84,"endTime":184.0,"body":"your"},{"speaker":"SPEAKER_00","startTime":184.0,"endTime":184.56,"body":"expense"},{"speaker":"SPEAKER_00","startTime":184.56,"endTime":185.28,"body":"outflows"},{"speaker":"SPEAKER_00","startTime":185.44,"endTime":185.68,"body":"going"},{"speaker":"SPEAKER_00","startTime":185.68,"endTime":185.92,"body":"out?"},{"speaker":"SPEAKER_00","startTime":186.08,"endTime":186.48,"body":"Here's"},{"speaker":"SPEAKER_00","startTime":186.48,"endTime":186.64,"body":"how"},{"speaker":"SPEAKER_00","startTime":186.64,"endTime":186.8,"body":"we"},{"speaker":"SPEAKER_00","startTime":186.8,"endTime":186.96,"body":"look"},{"speaker":"SPEAKER_00","startTime":186.96,"endTime":187.12,"body":"at"},{"speaker":"SPEAKER_00","startTime":187.12,"endTime":187.28,"body":"this"},{"speaker":"SPEAKER_00","startTime":187.28,"endTime":187.52,"body":"for"},{"speaker":"SPEAKER_00","startTime":187.52,"endTime":187.68,"body":"them."},{"speaker":"SPEAKER_00","startTime":187.92,"endTime":188.08,"body":"For"},{"speaker":"SPEAKER_00","startTime":188.08,"endTime":188.16,"body":"the"},{"speaker":"SPEAKER_00","startTime":188.16,"endTime":188.4,"body":"next"},{"speaker":"SPEAKER_00","startTime":188.4,"endTime":188.56,"body":"few"},{"speaker":"SPEAKER_00","startTime":188.56,"endTime":188.72,"body":"years,"},{"speaker":"SPEAKER_00","startTime":188.8,"endTime":189.2,"body":"Michael"},{"speaker":"SPEAKER_00","startTime":189.2,"endTime":189.36,"body":"and"},{"speaker":"SPEAKER_00","startTime":189.36,"endTime":189.68,"body":"Lisa"},{"speaker":"SPEAKER_00","startTime":189.84,"endTime":190.0,"body":"have"},{"speaker":"SPEAKER_00","startTime":190.0,"endTime":190.16,"body":"their"},{"speaker":"SPEAKER_00","startTime":190.16,"endTime":190.56,"body":"salary."},{"speaker":"SPEAKER_00","startTime":190.64,"endTime":190.88,"body":"So"},{"speaker":"SPEAKER_00","startTime":190.88,"endTime":191.12,"body":"they're"},{"speaker":"SPEAKER_00","startTime":191.12,"endTime":191.28,"body":"good."},{"speaker":"SPEAKER_00","startTime":191.44,"endTime":191.6,"body":"That"},{"speaker":"SPEAKER_00","startTime":191.6,"endTime":192.0,"body":"salary"},{"speaker":"SPEAKER_00","startTime":192.0,"endTime":192.24,"body":"comes"},{"speaker":"SPEAKER_00","startTime":192.24,"endTime":192.32,"body":"in"},{"speaker":"SPEAKER_00","startTime":192.4,"endTime":192.56,"body":"that"},{"speaker":"SPEAKER_00","startTime":192.56,"endTime":192.8,"body":"meets"},{"speaker":"SPEAKER_00","startTime":192.8,"endTime":192.96,"body":"all"},{"speaker":"SPEAKER_00","startTime":192.96,"endTime":193.2,"body":"their"},{"speaker":"SPEAKER_00","startTime":193.2,"endTime":193.76,"body":"expenses,"},{"speaker":"SPEAKER_00","startTime":193.92,"endTime":194.16,"body":"but"},{"speaker":"SPEAKER_00","startTime":194.16,"endTime":194.32,"body":"then"},{"speaker":"SPEAKER_00","startTime":194.32,"endTime":194.56,"body":"that"},{"speaker":"SPEAKER_00","startTime":194.56,"endTime":194.72,"body":"goes"},{"speaker":"SPEAKER_00","startTime":194.72,"endTime":195.04,"body":"away."},{"speaker":"SPEAKER_00","startTime":195.2,"endTime":195.36,"body":"And"},{"speaker":"SPEAKER_00","startTime":195.36,"endTime":195.52,"body":"you"},{"speaker":"SPEAKER_00","startTime":195.52,"endTime":195.68,"body":"can"},{"speaker":"SPEAKER_00","startTime":195.68,"endTime":195.84,"body":"see"},{"speaker":"SPEAKER_00","startTime":195.84,"endTime":195.92,"body":"a"},{"speaker":"SPEAKER_00","startTime":195.92,"endTime":196.08,"body":"whole"},{"speaker":"SPEAKER_00","startTime":196.08,"endTime":196.24,"body":"bunch"},{"speaker":"SPEAKER_00","startTime":196.24,"endTime":196.48,"body":"of"},{"speaker":"SPEAKER_00","startTime":196.48,"endTime":197.04,"body":"zeros"},{"speaker":"SPEAKER_00","startTime":197.04,"endTime":197.2,"body":"here"},{"speaker":"SPEAKER_00","startTime":197.36,"endTime":197.6,"body":"from"},{"speaker":"SPEAKER_00","startTime":197.6,"endTime":198.0,"body":"age"},{"speaker":"SPEAKER_00","startTime":198.0,"endTime":198.64,"body":"65"},{"speaker":"SPEAKER_00","startTime":198.64,"endTime":198.96,"body":"until"},{"speaker":"SPEAKER_00","startTime":198.96,"endTime":199.28,"body":"age"},{"speaker":"SPEAKER_00","startTime":199.28,"endTime":199.6,"body":"70."},{"speaker":"SPEAKER_00","startTime":199.68,"endTime":199.84,"body":"And"},{"speaker":"SPEAKER_00","startTime":199.84,"endTime":200.0,"body":"at"},{"speaker":"SPEAKER_00","startTime":200.0,"endTime":200.32,"body":"age"},{"speaker":"SPEAKER_00","startTime":200.32,"endTime":200.64,"body":"70,"},{"speaker":"SPEAKER_00","startTime":200.72,"endTime":200.88,"body":"what"},{"speaker":"SPEAKER_00","startTime":200.88,"endTime":201.36,"body":"happens"},{"speaker":"SPEAKER_00","startTime":201.36,"endTime":201.6,"body":"is"},{"speaker":"SPEAKER_00","startTime":201.6,"endTime":201.76,"body":"their"},{"speaker":"SPEAKER_00","startTime":201.92,"endTime":202.0,"body":"social"},{"speaker":"SPEAKER_00","startTime":202.16,"endTime":202.56,"body":"security"},{"speaker":"SPEAKER_00","startTime":202.56,"endTime":203.04,"body":"benefits"},{"speaker":"SPEAKER_00","startTime":203.04,"endTime":203.44,"body":"kick"},{"speaker":"SPEAKER_00","startTime":203.44,"endTime":203.68,"body":"in."},{"speaker":"SPEAKER_00","startTime":203.92,"endTime":204.24,"body":"But"},{"speaker":"SPEAKER_00","startTime":204.24,"endTime":204.4,"body":"in"},{"speaker":"SPEAKER_00","startTime":204.4,"endTime":204.56,"body":"the"},{"speaker":"SPEAKER_00","startTime":204.56,"endTime":205.04,"body":"meantime,"},{"speaker":"SPEAKER_00","startTime":205.2,"endTime":205.52,"body":"there's"},{"speaker":"SPEAKER_00","startTime":205.52,"endTime":205.84,"body":"nothing"},{"speaker":"SPEAKER_00","startTime":205.84,"endTime":206.0,"body":"that"},{"speaker":"SPEAKER_00","startTime":206.0,"endTime":206.24,"body":"we're"},{"speaker":"SPEAKER_00","startTime":206.24,"endTime":206.72,"body":"projecting"},{"speaker":"SPEAKER_00","startTime":206.72,"endTime":206.96,"body":"in"},{"speaker":"SPEAKER_00","startTime":206.96,"endTime":207.44,"body":"income"},{"speaker":"SPEAKER_00","startTime":207.44,"endTime":207.84,"body":"outside"},{"speaker":"SPEAKER_00","startTime":207.84,"endTime":207.92,"body":"of"},{"speaker":"SPEAKER_00","startTime":207.92,"endTime":208.16,"body":"any"},{"speaker":"SPEAKER_00","startTime":208.16,"endTime":208.32,"body":"money"},{"speaker":"SPEAKER_00","startTime":208.4,"endTime":208.56,"body":"they're"},{"speaker":"SPEAKER_00","startTime":208.56,"endTime":208.88,"body":"pulling"},{"speaker":"SPEAKER_00","startTime":208.88,"endTime":208.96,"body":"from"},{"speaker":"SPEAKER_00","startTime":208.96,"endTime":209.12,"body":"their"},{"speaker":"SPEAKER_00","startTime":209.12,"endTime":209.92,"body":"portfolio."},{"speaker":"SPEAKER_00","startTime":210.16,"endTime":210.48,"body":"They"},{"speaker":"SPEAKER_00","startTime":210.48,"endTime":210.72,"body":"do"},{"speaker":"SPEAKER_00","startTime":210.72,"endTime":210.96,"body":"have"},{"speaker":"SPEAKER_00","startTime":210.96,"endTime":211.44,"body":"expenses"},{"speaker":"SPEAKER_00","startTime":211.52,"endTime":211.68,"body":"though."},{"speaker":"SPEAKER_00","startTime":211.84,"endTime":212.0,"body":"You"},{"speaker":"SPEAKER_00","startTime":212.0,"endTime":212.16,"body":"can"},{"speaker":"SPEAKER_00","startTime":212.16,"endTime":212.32,"body":"see"},{"speaker":"SPEAKER_00","startTime":212.32,"endTime":212.48,"body":"these"},{"speaker":"SPEAKER_00","startTime":212.48,"endTime":212.96,"body":"expenses"},{"speaker":"SPEAKER_00","startTime":212.96,"endTime":213.12,"body":"right"},{"speaker":"SPEAKER_00","startTime":213.12,"endTime":213.28,"body":"here."},{"speaker":"SPEAKER_00","startTime":213.36,"endTime":213.52,"body":"This"},{"speaker":"SPEAKER_00","startTime":213.52,"endTime":213.6,"body":"is"},{"speaker":"SPEAKER_00","startTime":213.6,"endTime":213.76,"body":"the"},{"speaker":"SPEAKER_00","startTime":213.76,"endTime":214.48,"body":"$14,000"},{"speaker":"SPEAKER_00","startTime":214.72,"endTime":214.88,"body":"per"},{"speaker":"SPEAKER_00","startTime":214.88,"endTime":215.12,"body":"month"},{"speaker":"SPEAKER_00","startTime":215.12,"endTime":215.2,"body":"that"},{"speaker":"SPEAKER_00","startTime":215.2,"endTime":215.44,"body":"we're"},{"speaker":"SPEAKER_00","startTime":215.44,"endTime":215.92,"body":"planning"},{"speaker":"SPEAKER_00","startTime":215.92,"endTime":216.16,"body":"for."},{"speaker":"SPEAKER_00","startTime":216.32,"endTime":216.56,"body":"In"},{"speaker":"SPEAKER_00","startTime":216.56,"endTime":217.04,"body":"addition"},{"speaker":"SPEAKER_00","startTime":217.04,"endTime":217.28,"body":"to"},{"speaker":"SPEAKER_00","startTime":217.28,"endTime":217.44,"body":"that,"},{"speaker":"SPEAKER_00","startTime":217.68,"endTime":217.84,"body":"we"},{"speaker":"SPEAKER_00","startTime":217.84,"endTime":218.0,"body":"are"},{"speaker":"SPEAKER_00","startTime":218.0,"endTime":218.48,"body":"showing"},{"speaker":"SPEAKER_00","startTime":218.48,"endTime":218.96,"body":"mortgage"},{"speaker":"SPEAKER_00","startTime":218.96,"endTime":219.44,"body":"payments"},{"speaker":"SPEAKER_00","startTime":219.44,"endTime":219.92,"body":"separately."},{"speaker":"SPEAKER_00","startTime":220.08,"endTime":220.24,"body":"The"},{"speaker":"SPEAKER_00","startTime":220.24,"endTime":220.48,"body":"reason"},{"speaker":"SPEAKER_00","startTime":220.48,"endTime":220.72,"body":"I'm"},{"speaker":"SPEAKER_00","startTime":220.72,"endTime":220.96,"body":"showing"},{"speaker":"SPEAKER_00","startTime":220.96,"endTime":221.12,"body":"that"},{"speaker":"SPEAKER_00","startTime":221.12,"endTime":221.52,"body":"separately"},{"speaker":"SPEAKER_00","startTime":221.52,"endTime":221.68,"body":"is"},{"speaker":"SPEAKER_00","startTime":221.68,"endTime":221.92,"body":"because"},{"speaker":"SPEAKER_00","startTime":221.92,"endTime":222.08,"body":"that"},{"speaker":"SPEAKER_00","startTime":222.08,"endTime":222.72,"body":"$14,000"},{"speaker":"SPEAKER_00","startTime":222.72,"endTime":222.88,"body":"per"},{"speaker":"SPEAKER_00","startTime":222.88,"endTime":223.04,"body":"month,"},{"speaker":"SPEAKER_00","startTime":223.12,"endTime":223.36,"body":"that's"},{"speaker":"SPEAKER_00","startTime":223.36,"endTime":223.52,"body":"their"},{"speaker":"SPEAKER_00","startTime":223.52,"endTime":223.76,"body":"core"},{"speaker":"SPEAKER_00","startTime":223.76,"endTime":224.24,"body":"lifestyle"},{"speaker":"SPEAKER_00","startTime":224.24,"endTime":224.64,"body":"expenses."},{"speaker":"SPEAKER_00","startTime":224.72,"endTime":224.96,"body":"That's"},{"speaker":"SPEAKER_00","startTime":224.96,"endTime":225.04,"body":"going"},{"speaker":"SPEAKER_00","startTime":225.04,"endTime":225.12,"body":"to"},{"speaker":"SPEAKER_00","startTime":225.12,"endTime":225.44,"body":"continue"},{"speaker":"SPEAKER_00","startTime":225.44,"endTime":225.6,"body":"on"},{"speaker":"SPEAKER_00","startTime":225.6,"endTime":225.68,"body":"a"},{"speaker":"SPEAKER_00","startTime":225.68,"endTime":226.32,"body":"go-forward"},{"speaker":"SPEAKER_00","startTime":226.32,"endTime":226.72,"body":"basis."},{"speaker":"SPEAKER_00","startTime":226.88,"endTime":227.2,"body":"Their"},{"speaker":"SPEAKER_00","startTime":227.2,"endTime":227.76,"body":"mortgage,"},{"speaker":"SPEAKER_00","startTime":228.0,"endTime":228.16,"body":"their"},{"speaker":"SPEAKER_00","startTime":228.16,"endTime":228.64,"body":"property"},{"speaker":"SPEAKER_00","startTime":228.64,"endTime":229.12,"body":"taxes,"},{"speaker":"SPEAKER_00","startTime":229.28,"endTime":229.44,"body":"the"},{"speaker":"SPEAKER_00","startTime":229.44,"endTime":229.92,"body":"insurance"},{"speaker":"SPEAKER_00","startTime":229.92,"endTime":230.24,"body":"piece"},{"speaker":"SPEAKER_00","startTime":230.24,"endTime":230.32,"body":"of"},{"speaker":"SPEAKER_00","startTime":230.32,"endTime":230.48,"body":"this"},{"speaker":"SPEAKER_00","startTime":230.48,"endTime":230.72,"body":"will"},{"speaker":"SPEAKER_00","startTime":230.72,"endTime":230.96,"body":"last"},{"speaker":"SPEAKER_00","startTime":230.96,"endTime":231.36,"body":"forever,"},{"speaker":"SPEAKER_00","startTime":231.44,"endTime":231.6,"body":"but"},{"speaker":"SPEAKER_00","startTime":231.6,"endTime":231.76,"body":"the"},{"speaker":"SPEAKER_00","startTime":231.76,"endTime":232.16,"body":"principal"},{"speaker":"SPEAKER_00","startTime":232.16,"endTime":232.32,"body":"and"},{"speaker":"SPEAKER_00","startTime":232.32,"endTime":232.64,"body":"interest"},{"speaker":"SPEAKER_00","startTime":232.64,"endTime":232.88,"body":"piece"},{"speaker":"SPEAKER_00","startTime":232.96,"endTime":233.04,"body":"at"},{"speaker":"SPEAKER_00","startTime":233.04,"endTime":233.2,"body":"some"},{"speaker":"SPEAKER_00","startTime":233.2,"endTime":233.36,"body":"point"},{"speaker":"SPEAKER_00","startTime":233.52,"endTime":233.68,"body":"gets"},{"speaker":"SPEAKER_00","startTime":233.68,"endTime":233.92,"body":"paid"},{"speaker":"SPEAKER_00","startTime":233.92,"endTime":234.08,"body":"off."},{"speaker":"SPEAKER_00","startTime":234.16,"endTime":234.32,"body":"And"},{"speaker":"SPEAKER_00","startTime":234.32,"endTime":234.4,"body":"you"},{"speaker":"SPEAKER_00","startTime":234.4,"endTime":234.56,"body":"can"},{"speaker":"SPEAKER_00","startTime":234.56,"endTime":234.72,"body":"see"},{"speaker":"SPEAKER_00","startTime":234.72,"endTime":234.8,"body":"for"},{"speaker":"SPEAKER_00","startTime":234.8,"endTime":234.96,"body":"them"},{"speaker":"SPEAKER_00","startTime":235.04,"endTime":235.2,"body":"that"},{"speaker":"SPEAKER_00","startTime":235.2,"endTime":235.36,"body":"gets"},{"speaker":"SPEAKER_00","startTime":235.36,"endTime":235.76,"body":"paid"},{"speaker":"SPEAKER_00","startTime":235.76,"endTime":235.92,"body":"off"},{"speaker":"SPEAKER_00","startTime":235.92,"endTime":236.16,"body":"right"},{"speaker":"SPEAKER_00","startTime":236.16,"endTime":236.48,"body":"around"},{"speaker":"SPEAKER_00","startTime":236.48,"endTime":236.8,"body":"age"},{"speaker":"SPEAKER_00","startTime":236.8,"endTime":237.2,"body":"70,"},{"speaker":"SPEAKER_00","startTime":237.28,"endTime":237.44,"body":"and"},{"speaker":"SPEAKER_00","startTime":237.44,"endTime":237.6,"body":"we"},{"speaker":"SPEAKER_00","startTime":237.6,"endTime":237.76,"body":"no"},{"speaker":"SPEAKER_00","startTime":237.76,"endTime":238.0,"body":"longer"},{"speaker":"SPEAKER_00","startTime":238.0,"endTime":238.16,"body":"need"},{"speaker":"SPEAKER_00","startTime":238.16,"endTime":238.4,"body":"to"},{"speaker":"SPEAKER_00","startTime":238.4,"endTime":238.56,"body":"plan"},{"speaker":"SPEAKER_00","startTime":238.56,"endTime":238.8,"body":"for"},{"speaker":"SPEAKER_00","startTime":238.8,"endTime":238.96,"body":"that."},{"speaker":"SPEAKER_00","startTime":239.12,"endTime":239.28,"body":"But,"},{"speaker":"SPEAKER_00","startTime":239.36,"endTime":239.76,"body":"anyways,"},{"speaker":"SPEAKER_00","startTime":239.84,"endTime":240.0,"body":"if"},{"speaker":"SPEAKER_00","startTime":240.0,"endTime":240.08,"body":"we"},{"speaker":"SPEAKER_00","startTime":240.08,"endTime":240.16,"body":"go"},{"speaker":"SPEAKER_00","startTime":240.16,"endTime":240.32,"body":"back"},{"speaker":"SPEAKER_00","startTime":240.32,"endTime":240.48,"body":"to"},{"speaker":"SPEAKER_00","startTime":240.48,"endTime":240.56,"body":"the"},{"speaker":"SPEAKER_00","startTime":240.56,"endTime":241.04,"body":"expenses,"},{"speaker":"SPEAKER_00","startTime":241.2,"endTime":241.28,"body":"we"},{"speaker":"SPEAKER_00","startTime":241.28,"endTime":241.44,"body":"can"},{"speaker":"SPEAKER_00","startTime":241.44,"endTime":241.68,"body":"start"},{"speaker":"SPEAKER_00","startTime":241.68,"endTime":241.76,"body":"to"},{"speaker":"SPEAKER_00","startTime":241.76,"endTime":241.92,"body":"see"},{"speaker":"SPEAKER_00","startTime":241.92,"endTime":242.16,"body":"how"},{"speaker":"SPEAKER_00","startTime":242.16,"endTime":242.4,"body":"their"},{"speaker":"SPEAKER_00","startTime":242.4,"endTime":243.28,"body":"expenses"},{"speaker":"SPEAKER_00","startTime":243.28,"endTime":243.44,"body":"are"},{"speaker":"SPEAKER_00","startTime":243.44,"endTime":244.0,"body":"projected"},{"speaker":"SPEAKER_00","startTime":244.0,"endTime":244.16,"body":"to"},{"speaker":"SPEAKER_00","startTime":244.16,"endTime":244.4,"body":"play"},{"speaker":"SPEAKER_00","startTime":244.4,"endTime":244.56,"body":"out"},{"speaker":"SPEAKER_00","startTime":244.56,"endTime":244.8,"body":"each"},{"speaker":"SPEAKER_00","startTime":244.8,"endTime":245.12,"body":"year."},{"speaker":"SPEAKER_00","startTime":245.44,"endTime":245.84,"body":"Core"},{"speaker":"SPEAKER_00","startTime":245.84,"endTime":246.48,"body":"expenses,"},{"speaker":"SPEAKER_00","startTime":246.8,"endTime":247.44,"body":"taxes,"},{"speaker":"SPEAKER_00","startTime":247.6,"endTime":247.76,"body":"if"},{"speaker":"SPEAKER_00","startTime":247.76,"endTime":248.0,"body":"you"},{"speaker":"SPEAKER_00","startTime":248.0,"endTime":248.16,"body":"add"},{"speaker":"SPEAKER_00","startTime":248.16,"endTime":248.4,"body":"all"},{"speaker":"SPEAKER_00","startTime":248.4,"endTime":248.56,"body":"this"},{"speaker":"SPEAKER_00","startTime":248.56,"endTime":248.72,"body":"up,"},{"speaker":"SPEAKER_00","startTime":248.8,"endTime":248.96,"body":"the"},{"speaker":"SPEAKER_00","startTime":248.96,"endTime":249.28,"body":"total"},{"speaker":"SPEAKER_00","startTime":249.28,"endTime":249.92,"body":"outflows"},{"speaker":"SPEAKER_00","startTime":249.92,"endTime":250.08,"body":"is"},{"speaker":"SPEAKER_00","startTime":250.08,"endTime":250.24,"body":"the"},{"speaker":"SPEAKER_00","startTime":250.24,"endTime":250.8,"body":"combination."},{"speaker":"SPEAKER_00","startTime":250.88,"endTime":251.04,"body":"This"},{"speaker":"SPEAKER_00","startTime":251.04,"endTime":251.12,"body":"is"},{"speaker":"SPEAKER_00","startTime":251.12,"endTime":251.2,"body":"the"},{"speaker":"SPEAKER_00","startTime":251.2,"endTime":251.52,"body":"amount"},{"speaker":"SPEAKER_00","startTime":251.52,"endTime":251.92,"body":"Michael"},{"speaker":"SPEAKER_00","startTime":251.92,"endTime":252.08,"body":"and"},{"speaker":"SPEAKER_00","startTime":252.08,"endTime":252.64,"body":"Lisa"},{"speaker":"SPEAKER_00","startTime":252.64,"endTime":252.96,"body":"need"},{"speaker":"SPEAKER_00","startTime":252.96,"endTime":253.2,"body":"to"},{"speaker":"SPEAKER_00","startTime":253.2,"endTime":253.6,"body":"pay"},{"speaker":"SPEAKER_00","startTime":253.6,"endTime":254.16,"body":"taxes,"},{"speaker":"SPEAKER_00","startTime":254.4,"endTime":254.56,"body":"to"},{"speaker":"SPEAKER_00","startTime":254.56,"endTime":254.96,"body":"pay"},{"speaker":"SPEAKER_00","startTime":254.96,"endTime":255.12,"body":"their"},{"speaker":"SPEAKER_00","startTime":255.12,"endTime":255.76,"body":"mortgage,"},{"speaker":"SPEAKER_00","startTime":256.0,"endTime":256.32,"body":"to"},{"speaker":"SPEAKER_00","startTime":256.32,"endTime":256.56,"body":"have"},{"speaker":"SPEAKER_00","startTime":256.56,"endTime":256.72,"body":"the"},{"speaker":"SPEAKER_00","startTime":256.72,"endTime":257.28,"body":"equivalent"},{"speaker":"SPEAKER_00","startTime":257.28,"endTime":257.44,"body":"of"},{"speaker":"SPEAKER_00","startTime":257.44,"endTime":258.24,"body":"$14,000"},{"speaker":"SPEAKER_00","startTime":258.48,"endTime":258.64,"body":"per"},{"speaker":"SPEAKER_00","startTime":258.64,"endTime":258.96,"body":"month"},{"speaker":"SPEAKER_00","startTime":258.96,"endTime":259.2,"body":"in"},{"speaker":"SPEAKER_00","startTime":259.2,"endTime":259.6,"body":"today's"},{"speaker":"SPEAKER_00","startTime":259.6,"endTime":260.08,"body":"dollars"},{"speaker":"SPEAKER_00","startTime":260.08,"endTime":260.48,"body":"left"},{"speaker":"SPEAKER_00","startTime":260.48,"endTime":260.72,"body":"over"},{"speaker":"SPEAKER_00","startTime":260.72,"endTime":260.88,"body":"to"},{"speaker":"SPEAKER_00","startTime":260.88,"endTime":261.2,"body":"spend"},{"speaker":"SPEAKER_00","startTime":261.2,"endTime":261.6,"body":"throughout"},{"speaker":"SPEAKER_00","startTime":261.6,"endTime":261.76,"body":"their"},{"speaker":"SPEAKER_00","startTime":261.76,"endTime":262.32,"body":"retirement."},{"speaker":"SPEAKER_00","startTime":262.56,"endTime":262.72,"body":"This"},{"speaker":"SPEAKER_00","startTime":262.88,"endTime":263.12,"body":"net"},{"speaker":"SPEAKER_00","startTime":263.12,"endTime":263.6,"body":"flows"},{"speaker":"SPEAKER_00","startTime":263.6,"endTime":263.76,"body":"is"},{"speaker":"SPEAKER_00","startTime":263.76,"endTime":263.92,"body":"what"},{"speaker":"SPEAKER_00","startTime":263.92,"endTime":264.0,"body":"I"},{"speaker":"SPEAKER_00","startTime":264.0,"endTime":264.16,"body":"want"},{"speaker":"SPEAKER_00","startTime":264.16,"endTime":264.32,"body":"to"},{"speaker":"SPEAKER_00","startTime":264.32,"endTime":264.64,"body":"focus"},{"speaker":"SPEAKER_00","startTime":264.64,"endTime":264.8,"body":"on"},{"speaker":"SPEAKER_00","startTime":264.8,"endTime":264.96,"body":"for"},{"speaker":"SPEAKER_00","startTime":264.96,"endTime":265.12,"body":"them."},{"speaker":"SPEAKER_00","startTime":265.2,"endTime":265.44,"body":"This"},{"speaker":"SPEAKER_00","startTime":265.44,"endTime":265.84,"body":"shows"},{"speaker":"SPEAKER_00","startTime":265.84,"endTime":266.08,"body":"how"},{"speaker":"SPEAKER_00","startTime":266.08,"endTime":266.24,"body":"much"},{"speaker":"SPEAKER_00","startTime":266.24,"endTime":266.48,"body":"do"},{"speaker":"SPEAKER_00","startTime":266.48,"endTime":266.72,"body":"they"},{"speaker":"SPEAKER_00","startTime":266.72,"endTime":266.88,"body":"need"},{"speaker":"SPEAKER_00","startTime":266.88,"endTime":267.12,"body":"to"},{"speaker":"SPEAKER_00","startTime":267.12,"endTime":267.6,"body":"pull"},{"speaker":"SPEAKER_00","startTime":267.6,"endTime":267.84,"body":"from"},{"speaker":"SPEAKER_00","startTime":267.84,"endTime":268.08,"body":"their"},{"speaker":"SPEAKER_00","startTime":268.08,"endTime":268.96,"body":"portfolio"},{"speaker":"SPEAKER_00","startTime":268.96,"endTime":269.2,"body":"to"},{"speaker":"SPEAKER_00","startTime":269.2,"endTime":269.84,"body":"supplement"},{"speaker":"SPEAKER_00","startTime":269.84,"endTime":270.0,"body":"their"},{"speaker":"SPEAKER_00","startTime":270.0,"endTime":270.48,"body":"income"},{"speaker":"SPEAKER_00","startTime":270.48,"endTime":271.04,"body":"sources."},{"speaker":"SPEAKER_00","startTime":271.2,"endTime":271.52,"body":"Their"},{"speaker":"SPEAKER_00","startTime":271.52,"endTime":271.84,"body":"income"},{"speaker":"SPEAKER_00","startTime":271.84,"endTime":272.24,"body":"sources"},{"speaker":"SPEAKER_00","startTime":272.24,"endTime":272.4,"body":"in"},{"speaker":"SPEAKER_00","startTime":272.4,"endTime":272.56,"body":"these"},{"speaker":"SPEAKER_00","startTime":272.56,"endTime":272.72,"body":"first"},{"speaker":"SPEAKER_00","startTime":272.72,"endTime":272.96,"body":"five"},{"speaker":"SPEAKER_00","startTime":272.96,"endTime":273.28,"body":"years,"},{"speaker":"SPEAKER_00","startTime":273.52,"endTime":274.0,"body":"nothing."},{"speaker":"SPEAKER_00","startTime":274.16,"endTime":274.48,"body":"There's"},{"speaker":"SPEAKER_00","startTime":274.48,"endTime":274.64,"body":"no"},{"speaker":"SPEAKER_00","startTime":274.64,"endTime":275.04,"body":"salary,"},{"speaker":"SPEAKER_00","startTime":275.2,"endTime":275.44,"body":"there's"},{"speaker":"SPEAKER_00","startTime":275.44,"endTime":275.68,"body":"no"},{"speaker":"SPEAKER_00","startTime":275.68,"endTime":275.76,"body":"social"},{"speaker":"SPEAKER_00","startTime":275.92,"endTime":276.48,"body":"security."},{"speaker":"SPEAKER_00","startTime":276.64,"endTime":276.96,"body":"So"},{"speaker":"SPEAKER_00","startTime":276.96,"endTime":277.28,"body":"that"},{"speaker":"SPEAKER_00","startTime":277.28,"endTime":277.76,"body":"means"},{"speaker":"SPEAKER_00","startTime":277.76,"endTime":278.0,"body":"if"},{"speaker":"SPEAKER_00","startTime":278.0,"endTime":278.16,"body":"their"},{"speaker":"SPEAKER_00","startTime":278.16,"endTime":278.48,"body":"total"},{"speaker":"SPEAKER_00","startTime":278.48,"endTime":278.96,"body":"outflows"},{"speaker":"SPEAKER_00","startTime":278.96,"endTime":279.12,"body":"are"},{"speaker":"SPEAKER_00","startTime":279.12,"endTime":280.48,"body":"252,000,"},{"speaker":"SPEAKER_00","startTime":280.64,"endTime":280.96,"body":"that"},{"speaker":"SPEAKER_00","startTime":280.96,"endTime":281.36,"body":"full"},{"speaker":"SPEAKER_00","startTime":281.36,"endTime":282.96,"body":"252,000"},{"speaker":"SPEAKER_00","startTime":282.96,"endTime":283.44,"body":"must"},{"speaker":"SPEAKER_00","startTime":283.44,"endTime":283.68,"body":"come"},{"speaker":"SPEAKER_00","startTime":283.68,"endTime":283.92,"body":"from"},{"speaker":"SPEAKER_00","startTime":283.92,"endTime":284.08,"body":"their"},{"speaker":"SPEAKER_00","startTime":284.08,"endTime":284.64,"body":"portfolio."},{"speaker":"SPEAKER_00","startTime":284.8,"endTime":285.04,"body":"But"},{"speaker":"SPEAKER_00","startTime":285.04,"endTime":285.28,"body":"here's"},{"speaker":"SPEAKER_00","startTime":285.28,"endTime":285.44,"body":"the"},{"speaker":"SPEAKER_00","startTime":285.44,"endTime":285.76,"body":"interesting"},{"speaker":"SPEAKER_00","startTime":285.76,"endTime":286.0,"body":"thing"},{"speaker":"SPEAKER_00","startTime":286.0,"endTime":286.16,"body":"with"},{"speaker":"SPEAKER_00","startTime":286.16,"endTime":286.32,"body":"that."},{"speaker":"SPEAKER_00","startTime":286.4,"endTime":286.56,"body":"And"},{"speaker":"SPEAKER_00","startTime":286.56,"endTime":286.72,"body":"this"},{"speaker":"SPEAKER_00","startTime":286.72,"endTime":286.8,"body":"is"},{"speaker":"SPEAKER_00","startTime":286.8,"endTime":287.04,"body":"actually"},{"speaker":"SPEAKER_00","startTime":287.04,"endTime":287.2,"body":"where"},{"speaker":"SPEAKER_00","startTime":287.2,"endTime":287.36,"body":"some"},{"speaker":"SPEAKER_00","startTime":287.36,"endTime":287.52,"body":"people"},{"speaker":"SPEAKER_00","startTime":287.52,"endTime":287.76,"body":"get"},{"speaker":"SPEAKER_00","startTime":287.76,"endTime":288.16,"body":"tripped"},{"speaker":"SPEAKER_00","startTime":288.16,"endTime":288.4,"body":"up"},{"speaker":"SPEAKER_00","startTime":288.4,"endTime":288.48,"body":"when"},{"speaker":"SPEAKER_00","startTime":288.48,"endTime":288.64,"body":"they"},{"speaker":"SPEAKER_00","startTime":288.64,"endTime":288.8,"body":"think"},{"speaker":"SPEAKER_00","startTime":288.8,"endTime":288.96,"body":"about"},{"speaker":"SPEAKER_00","startTime":288.96,"endTime":289.36,"body":"retirement"},{"speaker":"SPEAKER_00","startTime":289.52,"endTime":289.84,"body":"via"},{"speaker":"SPEAKER_00","startTime":290.0,"endTime":290.16,"body":"can"},{"speaker":"SPEAKER_00","startTime":290.16,"endTime":290.32,"body":"I"},{"speaker":"SPEAKER_00","startTime":290.32,"endTime":290.56,"body":"spend"},{"speaker":"SPEAKER_00","startTime":290.56,"endTime":290.8,"body":"4%"},{"speaker":"SPEAKER_00","startTime":291.12,"endTime":291.28,"body":"per"},{"speaker":"SPEAKER_00","startTime":291.28,"endTime":291.44,"body":"year"},{"speaker":"SPEAKER_00","startTime":291.44,"endTime":291.6,"body":"of"},{"speaker":"SPEAKER_00","startTime":291.6,"endTime":291.68,"body":"my"},{"speaker":"SPEAKER_00","startTime":291.68,"endTime":292.16,"body":"portfolio"},{"speaker":"SPEAKER_00","startTime":292.24,"endTime":292.4,"body":"or"},{"speaker":"SPEAKER_00","startTime":292.4,"endTime":292.64,"body":"5%"},{"speaker":"SPEAKER_00","startTime":292.96,"endTime":293.12,"body":"per"},{"speaker":"SPEAKER_00","startTime":293.12,"endTime":293.28,"body":"year"},{"speaker":"SPEAKER_00","startTime":293.28,"endTime":293.36,"body":"of"},{"speaker":"SPEAKER_00","startTime":293.36,"endTime":293.52,"body":"my"},{"speaker":"SPEAKER_00","startTime":293.52,"endTime":294.0,"body":"portfolio,"},{"speaker":"SPEAKER_00","startTime":294.16,"endTime":294.48,"body":"thinking"},{"speaker":"SPEAKER_00","startTime":294.48,"endTime":294.64,"body":"that"},{"speaker":"SPEAKER_00","startTime":294.64,"endTime":294.88,"body":"it's"},{"speaker":"SPEAKER_00","startTime":294.88,"endTime":295.12,"body":"some"},{"speaker":"SPEAKER_00","startTime":295.12,"endTime":295.52,"body":"consistent"},{"speaker":"SPEAKER_00","startTime":295.52,"endTime":295.92,"body":"amount"},{"speaker":"SPEAKER_00","startTime":296.0,"endTime":296.24,"body":"they're"},{"speaker":"SPEAKER_00","startTime":296.24,"endTime":296.32,"body":"going"},{"speaker":"SPEAKER_00","startTime":296.32,"endTime":296.4,"body":"to"},{"speaker":"SPEAKER_00","startTime":296.4,"endTime":296.48,"body":"be"},{"speaker":"SPEAKER_00","startTime":296.48,"endTime":296.88,"body":"pulling."},{"speaker":"SPEAKER_00","startTime":297.04,"endTime":297.2,"body":"Well,"},{"speaker":"SPEAKER_00","startTime":297.28,"endTime":297.44,"body":"look"},{"speaker":"SPEAKER_00","startTime":297.44,"endTime":297.52,"body":"at"},{"speaker":"SPEAKER_00","startTime":297.52,"endTime":297.76,"body":"Michael"},{"speaker":"SPEAKER_00","startTime":297.84,"endTime":298.0,"body":"and"},{"speaker":"SPEAKER_00","startTime":298.0,"endTime":298.32,"body":"Lisa."},{"speaker":"SPEAKER_00","startTime":298.64,"endTime":298.96,"body":"It's"},{"speaker":"SPEAKER_00","startTime":298.96,"endTime":299.12,"body":"an"},{"speaker":"SPEAKER_00","startTime":299.12,"endTime":299.52,"body":"amount"},{"speaker":"SPEAKER_00","startTime":299.52,"endTime":299.68,"body":"that"},{"speaker":"SPEAKER_00","startTime":299.68,"endTime":299.92,"body":"actually"},{"speaker":"SPEAKER_00","startTime":299.92,"endTime":300.24,"body":"starts"},{"speaker":"SPEAKER_00","startTime":300.24,"endTime":300.32,"body":"to"},{"speaker":"SPEAKER_00","startTime":300.32,"endTime":300.64,"body":"grow"},{"speaker":"SPEAKER_00","startTime":300.64,"endTime":300.88,"body":"quite"},{"speaker":"SPEAKER_00","startTime":300.88,"endTime":301.36,"body":"large"},{"speaker":"SPEAKER_00","startTime":301.36,"endTime":301.52,"body":"for"},{"speaker":"SPEAKER_00","startTime":301.52,"endTime":301.68,"body":"the"},{"speaker":"SPEAKER_00","startTime":301.68,"endTime":301.84,"body":"first"},{"speaker":"SPEAKER_00","startTime":301.84,"endTime":302.08,"body":"few"},{"speaker":"SPEAKER_00","startTime":302.08,"endTime":302.4,"body":"years,"},{"speaker":"SPEAKER_00","startTime":302.56,"endTime":302.72,"body":"but"},{"speaker":"SPEAKER_00","startTime":302.72,"endTime":302.96,"body":"then"},{"speaker":"SPEAKER_00","startTime":302.96,"endTime":303.12,"body":"that"},{"speaker":"SPEAKER_00","startTime":303.12,"endTime":303.44,"body":"amount"},{"speaker":"SPEAKER_00","startTime":303.44,"endTime":303.68,"body":"gets"},{"speaker":"SPEAKER_00","startTime":303.68,"endTime":303.92,"body":"cut"},{"speaker":"SPEAKER_00","startTime":303.92,"endTime":304.08,"body":"by"},{"speaker":"SPEAKER_00","startTime":304.08,"endTime":304.56,"body":"almost"},{"speaker":"SPEAKER_00","startTime":304.56,"endTime":304.96,"body":"half."},{"speaker":"SPEAKER_00","startTime":305.12,"endTime":305.36,"body":"And"},{"speaker":"SPEAKER_00","startTime":305.36,"endTime":305.44,"body":"the"},{"speaker":"SPEAKER_00","startTime":305.44,"endTime":305.68,"body":"reason"},{"speaker":"SPEAKER_00","startTime":305.68,"endTime":305.84,"body":"it"},{"speaker":"SPEAKER_00","startTime":305.84,"endTime":306.0,"body":"gets"},{"speaker":"SPEAKER_00","startTime":306.0,"endTime":306.24,"body":"cut"},{"speaker":"SPEAKER_00","startTime":306.24,"endTime":306.4,"body":"by"},{"speaker":"SPEAKER_00","startTime":306.4,"endTime":306.64,"body":"almost"},{"speaker":"SPEAKER_00","startTime":306.64,"endTime":306.88,"body":"half"},{"speaker":"SPEAKER_00","startTime":306.88,"endTime":307.2,"body":"isn't"},{"speaker":"SPEAKER_00","startTime":307.2,"endTime":307.36,"body":"because"},{"speaker":"SPEAKER_00","startTime":307.36,"endTime":307.44,"body":"all"},{"speaker":"SPEAKER_00","startTime":307.44,"endTime":307.52,"body":"of"},{"speaker":"SPEAKER_00","startTime":307.52,"endTime":307.6,"body":"a"},{"speaker":"SPEAKER_00","startTime":307.6,"endTime":307.84,"body":"sudden"},{"speaker":"SPEAKER_00","startTime":307.84,"endTime":307.92,"body":"they"},{"speaker":"SPEAKER_00","startTime":307.92,"endTime":308.16,"body":"stop"},{"speaker":"SPEAKER_00","startTime":308.24,"endTime":308.64,"body":"spending."},{"speaker":"SPEAKER_00","startTime":308.8,"endTime":309.12,"body":"It's"},{"speaker":"SPEAKER_00","startTime":309.12,"endTime":309.44,"body":"because"},{"speaker":"SPEAKER_00","startTime":309.44,"endTime":309.68,"body":"Social"},{"speaker":"SPEAKER_00","startTime":309.68,"endTime":310.24,"body":"Security"},{"speaker":"SPEAKER_00","startTime":310.24,"endTime":310.64,"body":"kicks"},{"speaker":"SPEAKER_00","startTime":310.64,"endTime":310.88,"body":"in"},{"speaker":"SPEAKER_00","startTime":310.88,"endTime":311.04,"body":"for"},{"speaker":"SPEAKER_00","startTime":311.04,"endTime":311.2,"body":"both"},{"speaker":"SPEAKER_00","startTime":311.2,"endTime":311.28,"body":"of"},{"speaker":"SPEAKER_00","startTime":311.28,"endTime":311.44,"body":"them."},{"speaker":"SPEAKER_00","startTime":311.6,"endTime":311.76,"body":"And"},{"speaker":"SPEAKER_00","startTime":311.76,"endTime":311.92,"body":"by"},{"speaker":"SPEAKER_00","startTime":311.92,"endTime":312.0,"body":"the"},{"speaker":"SPEAKER_00","startTime":312.0,"endTime":312.08,"body":"way,"},{"speaker":"SPEAKER_00","startTime":312.16,"endTime":312.4,"body":"it's"},{"speaker":"SPEAKER_00","startTime":312.4,"endTime":312.64,"body":"age"},{"speaker":"SPEAKER_00","startTime":312.64,"endTime":312.96,"body":"70."},{"speaker":"SPEAKER_00","startTime":313.04,"endTime":313.2,"body":"So"},{"speaker":"SPEAKER_00","startTime":313.2,"endTime":313.28,"body":"they"},{"speaker":"SPEAKER_00","startTime":313.28,"endTime":313.44,"body":"both"},{"speaker":"SPEAKER_00","startTime":313.44,"endTime":313.6,"body":"have"},{"speaker":"SPEAKER_00","startTime":313.6,"endTime":313.84,"body":"strong"},{"speaker":"SPEAKER_00","startTime":313.84,"endTime":314.56,"body":"benefits,"},{"speaker":"SPEAKER_00","startTime":314.88,"endTime":315.2,"body":"and"},{"speaker":"SPEAKER_00","startTime":315.44,"endTime":315.76,"body":"their"},{"speaker":"SPEAKER_00","startTime":315.76,"endTime":316.24,"body":"mortgage"},{"speaker":"SPEAKER_00","startTime":316.24,"endTime":316.4,"body":"is"},{"speaker":"SPEAKER_00","startTime":316.4,"endTime":316.72,"body":"paid"},{"speaker":"SPEAKER_00","startTime":316.72,"endTime":316.96,"body":"off."},{"speaker":"SPEAKER_00","startTime":317.04,"endTime":317.2,"body":"So"},{"speaker":"SPEAKER_00","startTime":317.28,"endTime":317.44,"body":"it's"},{"speaker":"SPEAKER_00","startTime":317.44,"endTime":317.52,"body":"a"},{"speaker":"SPEAKER_00","startTime":317.52,"endTime":317.92,"body":"combination"},{"speaker":"SPEAKER_00","startTime":317.92,"endTime":318.08,"body":"of"},{"speaker":"SPEAKER_00","startTime":318.08,"endTime":318.48,"body":"outside"},{"speaker":"SPEAKER_00","startTime":318.48,"endTime":318.88,"body":"income"},{"speaker":"SPEAKER_00","startTime":318.88,"endTime":319.36,"body":"sources"},{"speaker":"SPEAKER_00","startTime":319.36,"endTime":320.0,"body":"increasing"},{"speaker":"SPEAKER_00","startTime":320.16,"endTime":320.48,"body":"while"},{"speaker":"SPEAKER_00","startTime":320.48,"endTime":321.2,"body":"simultaneously"},{"speaker":"SPEAKER_00","startTime":321.36,"endTime":321.52,"body":"their"},{"speaker":"SPEAKER_00","startTime":321.52,"endTime":322.08,"body":"expenses"},{"speaker":"SPEAKER_00","startTime":322.08,"endTime":322.24,"body":"are"},{"speaker":"SPEAKER_00","startTime":322.24,"endTime":322.88,"body":"decreasing."},{"speaker":"SPEAKER_00","startTime":323.04,"endTime":323.28,"body":"So"},{"speaker":"SPEAKER_00","startTime":323.36,"endTime":323.52,"body":"the"},{"speaker":"SPEAKER_00","startTime":323.52,"endTime":323.84,"body":"pressure"},{"speaker":"SPEAKER_00","startTime":323.84,"endTime":324.16,"body":"that's"},{"speaker":"SPEAKER_00","startTime":324.16,"endTime":324.32,"body":"put"},{"speaker":"SPEAKER_00","startTime":324.32,"endTime":324.48,"body":"on"},{"speaker":"SPEAKER_00","startTime":324.48,"endTime":324.64,"body":"their"},{"speaker":"SPEAKER_00","startTime":324.64,"endTime":325.28,"body":"portfolio"},{"speaker":"SPEAKER_00","startTime":325.28,"endTime":325.68,"body":"drops"},{"speaker":"SPEAKER_00","startTime":325.68,"endTime":325.92,"body":"pretty"},{"speaker":"SPEAKER_00","startTime":325.92,"endTime":326.48,"body":"dramatically"},{"speaker":"SPEAKER_00","startTime":326.48,"endTime":326.72,"body":"here."},{"speaker":"SPEAKER_00","startTime":326.96,"endTime":327.12,"body":"But"},{"speaker":"SPEAKER_00","startTime":327.12,"endTime":327.28,"body":"as"},{"speaker":"SPEAKER_00","startTime":327.28,"endTime":327.44,"body":"we"},{"speaker":"SPEAKER_00","startTime":327.44,"endTime":327.6,"body":"look"},{"speaker":"SPEAKER_00","startTime":327.6,"endTime":327.68,"body":"at"},{"speaker":"SPEAKER_00","startTime":327.68,"endTime":327.84,"body":"all"},{"speaker":"SPEAKER_00","startTime":327.84,"endTime":328.0,"body":"of"},{"speaker":"SPEAKER_00","startTime":328.0,"endTime":328.16,"body":"this,"},{"speaker":"SPEAKER_00","startTime":328.24,"endTime":328.4,"body":"the"},{"speaker":"SPEAKER_00","startTime":328.4,"endTime":328.72,"body":"question"},{"speaker":"SPEAKER_00","startTime":328.72,"endTime":328.88,"body":"is:"},{"speaker":"SPEAKER_00","startTime":329.12,"endTime":329.36,"body":"can"},{"speaker":"SPEAKER_00","startTime":329.36,"endTime":329.52,"body":"their"},{"speaker":"SPEAKER_00","startTime":329.52,"endTime":330.08,"body":"portfolio"},{"speaker":"SPEAKER_00","startTime":330.08,"endTime":330.48,"body":"support"},{"speaker":"SPEAKER_00","startTime":330.48,"endTime":330.64,"body":"this?"},{"speaker":"SPEAKER_00","startTime":330.88,"endTime":331.12,"body":"We"},{"speaker":"SPEAKER_00","startTime":331.12,"endTime":331.28,"body":"know"},{"speaker":"SPEAKER_00","startTime":331.28,"endTime":331.44,"body":"they"},{"speaker":"SPEAKER_00","startTime":331.44,"endTime":331.6,"body":"have"},{"speaker":"SPEAKER_00","startTime":331.6,"endTime":331.68,"body":"a"},{"speaker":"SPEAKER_00","startTime":331.68,"endTime":331.84,"body":"couple"},{"speaker":"SPEAKER_00","startTime":331.92,"endTime":332.16,"body":"million"},{"speaker":"SPEAKER_00","startTime":332.16,"endTime":332.32,"body":"dollars"},{"speaker":"SPEAKER_00","startTime":332.32,"endTime":332.48,"body":"on"},{"speaker":"SPEAKER_00","startTime":332.48,"endTime":332.56,"body":"their"},{"speaker":"SPEAKER_00","startTime":332.56,"endTime":333.04,"body":"portfolio"},{"speaker":"SPEAKER_00","startTime":333.04,"endTime":333.2,"body":"today."},{"speaker":"SPEAKER_00","startTime":333.36,"endTime":333.44,"body":"We"},{"speaker":"SPEAKER_00","startTime":333.44,"endTime":333.6,"body":"know"},{"speaker":"SPEAKER_00","startTime":333.6,"endTime":333.76,"body":"they're"},{"speaker":"SPEAKER_00","startTime":333.76,"endTime":334.08,"body":"saving"},{"speaker":"SPEAKER_00","startTime":334.08,"endTime":334.24,"body":"about"},{"speaker":"SPEAKER_00","startTime":334.24,"endTime":334.48,"body":"10%"},{"speaker":"SPEAKER_00","startTime":334.72,"endTime":334.88,"body":"per"},{"speaker":"SPEAKER_00","startTime":334.88,"endTime":335.04,"body":"year"},{"speaker":"SPEAKER_00","startTime":335.04,"endTime":335.28,"body":"towards"},{"speaker":"SPEAKER_00","startTime":335.28,"endTime":335.44,"body":"their"},{"speaker":"SPEAKER_00","startTime":335.44,"endTime":336.08,"body":"401ks"},{"speaker":"SPEAKER_00","startTime":336.24,"endTime":336.32,"body":"on"},{"speaker":"SPEAKER_00","startTime":336.32,"endTime":336.4,"body":"a"},{"speaker":"SPEAKER_00","startTime":336.4,"endTime":336.72,"body":"go-forward"},{"speaker":"SPEAKER_00","startTime":336.88,"endTime":337.28,"body":"basis."},{"speaker":"SPEAKER_00","startTime":337.44,"endTime":337.68,"body":"Are"},{"speaker":"SPEAKER_00","startTime":337.68,"endTime":337.92,"body":"they"},{"speaker":"SPEAKER_00","startTime":337.92,"endTime":338.32,"body":"projected"},{"speaker":"SPEAKER_00","startTime":338.32,"endTime":338.48,"body":"to"},{"speaker":"SPEAKER_00","startTime":338.48,"endTime":338.56,"body":"be"},{"speaker":"SPEAKER_00","startTime":338.56,"endTime":338.72,"body":"in"},{"speaker":"SPEAKER_00","startTime":338.72,"endTime":338.88,"body":"a"},{"speaker":"SPEAKER_00","startTime":338.88,"endTime":339.28,"body":"position"},{"speaker":"SPEAKER_00","startTime":339.28,"endTime":339.52,"body":"that"},{"speaker":"SPEAKER_00","startTime":339.52,"endTime":339.68,"body":"they"},{"speaker":"SPEAKER_00","startTime":339.68,"endTime":339.92,"body":"can"},{"speaker":"SPEAKER_00","startTime":339.92,"endTime":340.32,"body":"support"},{"speaker":"SPEAKER_00","startTime":340.32,"endTime":340.72,"body":"pretty"},{"speaker":"SPEAKER_00","startTime":340.72,"endTime":341.12,"body":"significant"},{"speaker":"SPEAKER_00","startTime":341.12,"endTime":341.68,"body":"withdrawals"},{"speaker":"SPEAKER_00","startTime":342.0,"endTime":342.16,"body":"in"},{"speaker":"SPEAKER_00","startTime":342.16,"endTime":342.4,"body":"those"},{"speaker":"SPEAKER_00","startTime":342.4,"endTime":342.8,"body":"early"},{"speaker":"SPEAKER_00","startTime":342.8,"endTime":343.2,"body":"years?"},{"speaker":"SPEAKER_00","startTime":343.36,"endTime":343.76,"body":"That's"},{"speaker":"SPEAKER_00","startTime":343.76,"endTime":343.92,"body":"where"},{"speaker":"SPEAKER_00","startTime":343.92,"endTime":344.08,"body":"we"},{"speaker":"SPEAKER_00","startTime":344.08,"endTime":344.24,"body":"go"},{"speaker":"SPEAKER_00","startTime":344.24,"endTime":344.32,"body":"to"},{"speaker":"SPEAKER_00","startTime":344.32,"endTime":344.48,"body":"this"},{"speaker":"SPEAKER_00","startTime":344.48,"endTime":344.8,"body":"page"},{"speaker":"SPEAKER_00","startTime":344.8,"endTime":344.96,"body":"right"},{"speaker":"SPEAKER_00","startTime":344.96,"endTime":345.12,"body":"here"},{"speaker":"SPEAKER_00","startTime":345.2,"endTime":345.44,"body":"to"},{"speaker":"SPEAKER_00","startTime":345.44,"endTime":345.68,"body":"see."},{"speaker":"SPEAKER_00","startTime":345.84,"endTime":346.16,"body":"Here's"},{"speaker":"SPEAKER_00","startTime":346.16,"endTime":346.32,"body":"what"},{"speaker":"SPEAKER_00","startTime":346.32,"endTime":346.56,"body":"that's"},{"speaker":"SPEAKER_00","startTime":346.56,"endTime":346.96,"body":"projected"},{"speaker":"SPEAKER_00","startTime":346.96,"endTime":347.12,"body":"to"},{"speaker":"SPEAKER_00","startTime":347.12,"endTime":347.28,"body":"look"},{"speaker":"SPEAKER_00","startTime":347.28,"endTime":347.44,"body":"like"},{"speaker":"SPEAKER_00","startTime":347.44,"endTime":347.6,"body":"for"},{"speaker":"SPEAKER_00","startTime":347.6,"endTime":347.76,"body":"them."},{"speaker":"SPEAKER_00","startTime":347.92,"endTime":348.16,"body":"Here's"},{"speaker":"SPEAKER_00","startTime":348.16,"endTime":348.32,"body":"their"},{"speaker":"SPEAKER_00","startTime":348.32,"endTime":348.8,"body":"portfolio"},{"speaker":"SPEAKER_00","startTime":348.8,"endTime":349.04,"body":"today,"},{"speaker":"SPEAKER_00","startTime":349.12,"endTime":349.28,"body":"that"},{"speaker":"SPEAKER_00","startTime":349.28,"endTime":349.52,"body":"couple"},{"speaker":"SPEAKER_00","startTime":349.6,"endTime":349.84,"body":"million."},{"speaker":"SPEAKER_00","startTime":349.92,"endTime":350.08,"body":"They"},{"speaker":"SPEAKER_00","startTime":350.08,"endTime":350.32,"body":"save,"},{"speaker":"SPEAKER_00","startTime":350.4,"endTime":350.56,"body":"they"},{"speaker":"SPEAKER_00","startTime":350.56,"endTime":350.72,"body":"grow,"},{"speaker":"SPEAKER_00","startTime":350.8,"endTime":350.88,"body":"they"},{"speaker":"SPEAKER_00","startTime":350.88,"endTime":351.12,"body":"save,"},{"speaker":"SPEAKER_00","startTime":351.2,"endTime":351.28,"body":"they"},{"speaker":"SPEAKER_00","startTime":351.28,"endTime":351.44,"body":"grow,"},{"speaker":"SPEAKER_00","startTime":351.52,"endTime":351.6,"body":"they"},{"speaker":"SPEAKER_00","startTime":351.68,"endTime":351.92,"body":"retire"},{"speaker":"SPEAKER_00","startTime":351.92,"endTime":352.0,"body":"at"},{"speaker":"SPEAKER_00","startTime":352.0,"endTime":352.08,"body":"the"},{"speaker":"SPEAKER_00","startTime":352.08,"endTime":352.24,"body":"end"},{"speaker":"SPEAKER_00","startTime":352.24,"endTime":352.32,"body":"of"},{"speaker":"SPEAKER_00","startTime":352.32,"endTime":352.48,"body":"their"},{"speaker":"SPEAKER_00","startTime":352.48,"endTime":352.96,"body":"64th"},{"speaker":"SPEAKER_00","startTime":353.04,"endTime":353.12,"body":"year,"},{"speaker":"SPEAKER_00","startTime":353.2,"endTime":353.36,"body":"so"},{"speaker":"SPEAKER_00","startTime":353.44,"endTime":353.68,"body":"going"},{"speaker":"SPEAKER_00","startTime":353.68,"endTime":353.84,"body":"into"},{"speaker":"SPEAKER_00","startTime":353.84,"endTime":354.0,"body":"their"},{"speaker":"SPEAKER_00","startTime":354.0,"endTime":354.64,"body":"65th"},{"speaker":"SPEAKER_00","startTime":354.64,"endTime":354.88,"body":"year,"},{"speaker":"SPEAKER_00","startTime":355.04,"endTime":355.2,"body":"and"},{"speaker":"SPEAKER_00","startTime":355.2,"endTime":355.44,"body":"they"},{"speaker":"SPEAKER_00","startTime":355.44,"endTime":355.84,"body":"gradually"},{"speaker":"SPEAKER_00","startTime":355.84,"endTime":356.24,"body":"spend"},{"speaker":"SPEAKER_00","startTime":356.24,"endTime":356.4,"body":"their"},{"speaker":"SPEAKER_00","startTime":356.4,"endTime":356.8,"body":"assets"},{"speaker":"SPEAKER_00","startTime":356.8,"endTime":356.96,"body":"down."},{"speaker":"SPEAKER_00","startTime":357.12,"endTime":357.36,"body":"Now,"},{"speaker":"SPEAKER_00","startTime":357.44,"endTime":357.76,"body":"they"},{"speaker":"SPEAKER_00","startTime":357.76,"endTime":358.08,"body":"have"},{"speaker":"SPEAKER_00","startTime":358.08,"endTime":358.48,"body":"enough"},{"speaker":"SPEAKER_00","startTime":358.48,"endTime":358.64,"body":"to"},{"speaker":"SPEAKER_00","startTime":358.64,"endTime":358.88,"body":"meet"},{"speaker":"SPEAKER_00","startTime":358.88,"endTime":359.12,"body":"their"},{"speaker":"SPEAKER_00","startTime":359.12,"endTime":359.52,"body":"needs,"},{"speaker":"SPEAKER_00","startTime":359.68,"endTime":359.92,"body":"but"},{"speaker":"SPEAKER_00","startTime":359.92,"endTime":360.08,"body":"not"},{"speaker":"SPEAKER_00","startTime":360.08,"endTime":360.24,"body":"all"},{"speaker":"SPEAKER_00","startTime":360.24,"endTime":360.48,"body":"the"},{"speaker":"SPEAKER_00","startTime":360.48,"endTime":360.64,"body":"way"},{"speaker":"SPEAKER_00","startTime":360.64,"endTime":361.12,"body":"throughout"},{"speaker":"SPEAKER_00","startTime":361.12,"endTime":361.28,"body":"their"},{"speaker":"SPEAKER_00","startTime":361.28,"endTime":361.68,"body":"retirement."},{"speaker":"SPEAKER_00","startTime":361.76,"endTime":361.92,"body":"And"},{"speaker":"SPEAKER_00","startTime":361.92,"endTime":362.08,"body":"you"},{"speaker":"SPEAKER_00","startTime":362.08,"endTime":362.24,"body":"see"},{"speaker":"SPEAKER_00","startTime":362.24,"endTime":362.4,"body":"they're"},{"speaker":"SPEAKER_00","startTime":362.4,"endTime":362.72,"body":"projected"},{"speaker":"SPEAKER_00","startTime":362.72,"endTime":362.96,"body":"to"},{"speaker":"SPEAKER_00","startTime":362.96,"endTime":363.2,"body":"run"},{"speaker":"SPEAKER_00","startTime":363.2,"endTime":363.44,"body":"out"},{"speaker":"SPEAKER_00","startTime":363.44,"endTime":363.92,"body":"sometime"},{"speaker":"SPEAKER_00","startTime":363.92,"endTime":364.16,"body":"in"},{"speaker":"SPEAKER_00","startTime":364.16,"endTime":364.32,"body":"their"},{"speaker":"SPEAKER_00","startTime":364.32,"endTime":364.8,"body":"80s."},{"speaker":"SPEAKER_00","startTime":364.96,"endTime":365.12,"body":"Now,"},{"speaker":"SPEAKER_00","startTime":365.2,"endTime":365.36,"body":"we"},{"speaker":"SPEAKER_00","startTime":365.44,"endTime":365.6,"body":"of"},{"speaker":"SPEAKER_00","startTime":365.6,"endTime":365.68,"body":"course"},{"speaker":"SPEAKER_00","startTime":365.76,"endTime":365.92,"body":"don't"},{"speaker":"SPEAKER_00","startTime":365.92,"endTime":366.08,"body":"know"},{"speaker":"SPEAKER_00","startTime":366.08,"endTime":366.24,"body":"how"},{"speaker":"SPEAKER_00","startTime":366.24,"endTime":366.4,"body":"long"},{"speaker":"SPEAKER_00","startTime":366.4,"endTime":366.56,"body":"they're"},{"speaker":"SPEAKER_00","startTime":366.56,"endTime":366.88,"body":"gonna"},{"speaker":"SPEAKER_00","startTime":366.88,"endTime":367.2,"body":"live,"},{"speaker":"SPEAKER_00","startTime":367.28,"endTime":367.52,"body":"but"},{"speaker":"SPEAKER_00","startTime":367.52,"endTime":367.68,"body":"also"},{"speaker":"SPEAKER_00","startTime":367.76,"endTime":367.92,"body":"we"},{"speaker":"SPEAKER_00","startTime":367.92,"endTime":368.08,"body":"don't"},{"speaker":"SPEAKER_00","startTime":368.08,"endTime":368.24,"body":"know"},{"speaker":"SPEAKER_00","startTime":368.24,"endTime":368.32,"body":"if"},{"speaker":"SPEAKER_00","startTime":368.32,"endTime":368.56,"body":"there's"},{"speaker":"SPEAKER_00","startTime":368.56,"endTime":368.72,"body":"gonna"},{"speaker":"SPEAKER_00","startTime":368.72,"endTime":368.88,"body":"be"},{"speaker":"SPEAKER_00","startTime":368.88,"endTime":368.96,"body":"a"},{"speaker":"SPEAKER_00","startTime":368.96,"endTime":369.2,"body":"major"},{"speaker":"SPEAKER_00","startTime":369.2,"endTime":369.44,"body":"market"},{"speaker":"SPEAKER_00","startTime":369.44,"endTime":369.84,"body":"downturn."},{"speaker":"SPEAKER_00","startTime":370.0,"endTime":370.16,"body":"There"},{"speaker":"SPEAKER_00","startTime":370.16,"endTime":370.48,"body":"likely"},{"speaker":"SPEAKER_00","startTime":370.48,"endTime":370.72,"body":"will"},{"speaker":"SPEAKER_00","startTime":370.72,"endTime":370.88,"body":"be"},{"speaker":"SPEAKER_00","startTime":370.88,"endTime":370.96,"body":"a"},{"speaker":"SPEAKER_00","startTime":370.96,"endTime":371.2,"body":"major"},{"speaker":"SPEAKER_00","startTime":371.2,"endTime":371.52,"body":"market"},{"speaker":"SPEAKER_00","startTime":371.52,"endTime":372.16,"body":"downturn"},{"speaker":"SPEAKER_00","startTime":372.16,"endTime":372.8,"body":"sometime"},{"speaker":"SPEAKER_00","startTime":372.96,"endTime":373.52,"body":"during"},{"speaker":"SPEAKER_00","startTime":373.52,"endTime":373.68,"body":"their"},{"speaker":"SPEAKER_00","startTime":373.68,"endTime":374.24,"body":"retirement"},{"speaker":"SPEAKER_00","startTime":374.24,"endTime":374.48,"body":"years,"},{"speaker":"SPEAKER_00","startTime":374.64,"endTime":374.96,"body":"which"},{"speaker":"SPEAKER_00","startTime":374.96,"endTime":375.28,"body":"could"},{"speaker":"SPEAKER_00","startTime":375.28,"endTime":375.92,"body":"increase"},{"speaker":"SPEAKER_00","startTime":375.92,"endTime":376.08,"body":"or"},{"speaker":"SPEAKER_00","startTime":376.08,"endTime":376.72,"body":"magnify"},{"speaker":"SPEAKER_00","startTime":376.72,"endTime":376.96,"body":"the"},{"speaker":"SPEAKER_00","startTime":376.96,"endTime":377.6,"body":"impact"},{"speaker":"SPEAKER_00","startTime":377.6,"endTime":377.92,"body":"of"},{"speaker":"SPEAKER_00","startTime":377.92,"endTime":378.24,"body":"this"},{"speaker":"SPEAKER_00","startTime":378.32,"endTime":378.96,"body":"drawdown"},{"speaker":"SPEAKER_00","startTime":378.96,"endTime":379.12,"body":"for"},{"speaker":"SPEAKER_00","startTime":379.12,"endTime":379.28,"body":"their"},{"speaker":"SPEAKER_00","startTime":379.28,"endTime":379.68,"body":"retirement"},{"speaker":"SPEAKER_00","startTime":379.68,"endTime":380.0,"body":"years."},{"speaker":"SPEAKER_00","startTime":380.16,"endTime":380.32,"body":"If"},{"speaker":"SPEAKER_00","startTime":380.32,"endTime":380.48,"body":"we"},{"speaker":"SPEAKER_00","startTime":380.48,"endTime":380.56,"body":"look"},{"speaker":"SPEAKER_00","startTime":380.56,"endTime":380.72,"body":"at"},{"speaker":"SPEAKER_00","startTime":380.72,"endTime":380.88,"body":"their"},{"speaker":"SPEAKER_00","startTime":380.88,"endTime":381.28,"body":"probability"},{"speaker":"SPEAKER_00","startTime":381.28,"endTime":381.36,"body":"of"},{"speaker":"SPEAKER_00","startTime":381.36,"endTime":381.68,"body":"success,"},{"speaker":"SPEAKER_00","startTime":381.76,"endTime":381.92,"body":"it's"},{"speaker":"SPEAKER_00","startTime":381.92,"endTime":382.16,"body":"not"},{"speaker":"SPEAKER_00","startTime":382.16,"endTime":382.32,"body":"good."},{"speaker":"SPEAKER_00","startTime":382.48,"endTime":382.8,"body":"It's"},{"speaker":"SPEAKER_00","startTime":382.8,"endTime":382.96,"body":"not"},{"speaker":"SPEAKER_00","startTime":382.96,"endTime":383.04,"body":"a"},{"speaker":"SPEAKER_00","startTime":383.04,"endTime":383.28,"body":"high"},{"speaker":"SPEAKER_00","startTime":383.28,"endTime":383.68,"body":"probability"},{"speaker":"SPEAKER_00","startTime":383.68,"endTime":383.76,"body":"of"},{"speaker":"SPEAKER_00","startTime":383.76,"endTime":384.08,"body":"success."},{"speaker":"SPEAKER_00","startTime":384.16,"endTime":384.32,"body":"It's"},{"speaker":"SPEAKER_00","startTime":384.32,"endTime":384.4,"body":"not"},{"speaker":"SPEAKER_00","startTime":384.4,"endTime":384.64,"body":"something"},{"speaker":"SPEAKER_00","startTime":384.64,"endTime":384.8,"body":"that"},{"speaker":"SPEAKER_00","startTime":384.8,"endTime":385.04,"body":"Michael"},{"speaker":"SPEAKER_00","startTime":385.04,"endTime":385.12,"body":"and"},{"speaker":"SPEAKER_00","startTime":385.12,"endTime":385.44,"body":"Lisa"},{"speaker":"SPEAKER_00","startTime":385.52,"endTime":385.6,"body":"are"},{"speaker":"SPEAKER_00","startTime":385.6,"endTime":385.84,"body":"gonna"},{"speaker":"SPEAKER_00","startTime":385.84,"endTime":385.92,"body":"look"},{"speaker":"SPEAKER_00","startTime":385.92,"endTime":386.08,"body":"at"},{"speaker":"SPEAKER_00","startTime":386.08,"endTime":386.24,"body":"and"},{"speaker":"SPEAKER_00","startTime":386.24,"endTime":386.4,"body":"have"},{"speaker":"SPEAKER_00","startTime":386.4,"endTime":386.48,"body":"a"},{"speaker":"SPEAKER_00","startTime":386.48,"endTime":386.64,"body":"really"},{"speaker":"SPEAKER_00","startTime":386.64,"endTime":386.88,"body":"high"},{"speaker":"SPEAKER_00","startTime":386.88,"endTime":387.12,"body":"degree"},{"speaker":"SPEAKER_00","startTime":387.12,"endTime":387.28,"body":"of"},{"speaker":"SPEAKER_00","startTime":387.28,"endTime":387.6,"body":"confidence"},{"speaker":"SPEAKER_00","startTime":387.68,"endTime":387.92,"body":"saying,"},{"speaker":"SPEAKER_00","startTime":388.0,"endTime":388.24,"body":"yeah,"},{"speaker":"SPEAKER_00","startTime":388.32,"endTime":388.64,"body":"we're"},{"speaker":"SPEAKER_00","startTime":388.64,"endTime":388.8,"body":"good"},{"speaker":"SPEAKER_00","startTime":388.8,"endTime":388.88,"body":"to"},{"speaker":"SPEAKER_00","startTime":388.88,"endTime":389.04,"body":"go,"},{"speaker":"SPEAKER_00","startTime":389.12,"endTime":389.28,"body":"we're"},{"speaker":"SPEAKER_00","startTime":389.28,"endTime":389.44,"body":"gonna"},{"speaker":"SPEAKER_00","startTime":389.44,"endTime":389.68,"body":"retire"},{"speaker":"SPEAKER_00","startTime":389.68,"endTime":389.84,"body":"at"},{"speaker":"SPEAKER_00","startTime":389.84,"endTime":390.48,"body":"65."},{"speaker":"SPEAKER_00","startTime":390.64,"endTime":390.88,"body":"So"},{"speaker":"SPEAKER_00","startTime":390.88,"endTime":391.04,"body":"that's"},{"speaker":"SPEAKER_00","startTime":391.04,"endTime":391.2,"body":"where"},{"speaker":"SPEAKER_00","startTime":391.2,"endTime":391.28,"body":"we"},{"speaker":"SPEAKER_00","startTime":391.28,"endTime":391.52,"body":"started"},{"speaker":"SPEAKER_00","startTime":391.52,"endTime":391.92,"body":"playing"},{"speaker":"SPEAKER_00","startTime":391.92,"endTime":392.08,"body":"with"},{"speaker":"SPEAKER_00","startTime":392.08,"endTime":392.32,"body":"different"},{"speaker":"SPEAKER_00","startTime":392.32,"endTime":392.72,"body":"options."},{"speaker":"SPEAKER_00","startTime":392.88,"endTime":393.12,"body":"Their"},{"speaker":"SPEAKER_00","startTime":393.12,"endTime":393.36,"body":"first"},{"speaker":"SPEAKER_00","startTime":393.36,"endTime":393.84,"body":"inclination"},{"speaker":"SPEAKER_00","startTime":393.84,"endTime":394.0,"body":"was"},{"speaker":"SPEAKER_00","startTime":394.0,"endTime":394.08,"body":"to"},{"speaker":"SPEAKER_00","startTime":394.08,"endTime":394.24,"body":"say,"},{"speaker":"SPEAKER_00","startTime":394.32,"endTime":394.48,"body":"okay,"},{"speaker":"SPEAKER_00","startTime":394.56,"endTime":394.64,"body":"well,"},{"speaker":"SPEAKER_00","startTime":394.72,"endTime":394.8,"body":"if"},{"speaker":"SPEAKER_00","startTime":394.8,"endTime":394.96,"body":"that"},{"speaker":"SPEAKER_00","startTime":394.96,"endTime":395.28,"body":"doesn't"},{"speaker":"SPEAKER_00","startTime":395.28,"endTime":395.44,"body":"work,"},{"speaker":"SPEAKER_00","startTime":395.52,"endTime":395.76,"body":"then"},{"speaker":"SPEAKER_00","startTime":395.76,"endTime":395.92,"body":"it"},{"speaker":"SPEAKER_00","startTime":395.92,"endTime":396.32,"body":"probably"},{"speaker":"SPEAKER_00","startTime":396.32,"endTime":396.64,"body":"means"},{"speaker":"SPEAKER_00","startTime":396.64,"endTime":396.8,"body":"we"},{"speaker":"SPEAKER_00","startTime":396.8,"endTime":396.96,"body":"need"},{"speaker":"SPEAKER_00","startTime":396.96,"endTime":397.12,"body":"to"},{"speaker":"SPEAKER_00","startTime":397.12,"endTime":397.28,"body":"work"},{"speaker":"SPEAKER_00","startTime":397.28,"endTime":397.6,"body":"longer."},{"speaker":"SPEAKER_00","startTime":397.76,"endTime":398.0,"body":"What"},{"speaker":"SPEAKER_00","startTime":398.0,"endTime":398.16,"body":"if"},{"speaker":"SPEAKER_00","startTime":398.16,"endTime":398.32,"body":"it's"},{"speaker":"SPEAKER_00","startTime":398.32,"endTime":398.48,"body":"not"},{"speaker":"SPEAKER_00","startTime":398.48,"endTime":399.04,"body":"65?"},{"speaker":"SPEAKER_00","startTime":399.12,"endTime":399.28,"body":"What"},{"speaker":"SPEAKER_00","startTime":399.28,"endTime":399.44,"body":"if"},{"speaker":"SPEAKER_00","startTime":399.44,"endTime":399.6,"body":"we"},{"speaker":"SPEAKER_00","startTime":399.6,"endTime":399.84,"body":"both"},{"speaker":"SPEAKER_00","startTime":399.84,"endTime":400.24,"body":"retire"},{"speaker":"SPEAKER_00","startTime":400.24,"endTime":400.4,"body":"at"},{"speaker":"SPEAKER_00","startTime":400.4,"endTime":400.72,"body":"age"},{"speaker":"SPEAKER_00","startTime":400.72,"endTime":401.36,"body":"68?"},{"speaker":"SPEAKER_00","startTime":401.52,"endTime":401.76,"body":"What"},{"speaker":"SPEAKER_00","startTime":401.76,"endTime":401.92,"body":"does"},{"speaker":"SPEAKER_00","startTime":401.92,"endTime":402.08,"body":"that"},{"speaker":"SPEAKER_00","startTime":402.08,"endTime":402.4,"body":"mean?"},{"speaker":"SPEAKER_00","startTime":402.56,"endTime":402.8,"body":"Well,"},{"speaker":"SPEAKER_00","startTime":402.88,"endTime":403.04,"body":"we"},{"speaker":"SPEAKER_00","startTime":403.04,"endTime":403.2,"body":"can"},{"speaker":"SPEAKER_00","startTime":403.2,"endTime":403.68,"body":"refresh"},{"speaker":"SPEAKER_00","startTime":403.68,"endTime":403.84,"body":"their"},{"speaker":"SPEAKER_00","startTime":403.84,"endTime":404.48,"body":"projection"},{"speaker":"SPEAKER_00","startTime":404.48,"endTime":404.72,"body":"here"},{"speaker":"SPEAKER_00","startTime":404.8,"endTime":405.04,"body":"and"},{"speaker":"SPEAKER_00","startTime":405.04,"endTime":405.28,"body":"we"},{"speaker":"SPEAKER_00","startTime":405.28,"endTime":405.6,"body":"can"},{"speaker":"SPEAKER_00","startTime":405.6,"endTime":405.84,"body":"see"},{"speaker":"SPEAKER_00","startTime":405.84,"endTime":406.08,"body":"the"},{"speaker":"SPEAKER_00","startTime":406.08,"endTime":406.48,"body":"impact"},{"speaker":"SPEAKER_00","startTime":406.48,"endTime":406.64,"body":"of"},{"speaker":"SPEAKER_00","startTime":406.64,"endTime":406.88,"body":"that."},{"speaker":"SPEAKER_00","startTime":407.04,"endTime":407.52,"body":"Working"},{"speaker":"SPEAKER_00","startTime":407.52,"endTime":407.76,"body":"three"},{"speaker":"SPEAKER_00","startTime":407.76,"endTime":408.08,"body":"extra"},{"speaker":"SPEAKER_00","startTime":408.08,"endTime":408.48,"body":"years"},{"speaker":"SPEAKER_00","startTime":408.48,"endTime":408.64,"body":"has"},{"speaker":"SPEAKER_00","startTime":408.64,"endTime":408.8,"body":"a"},{"speaker":"SPEAKER_00","startTime":408.8,"endTime":409.2,"body":"pretty"},{"speaker":"SPEAKER_00","startTime":409.2,"endTime":409.76,"body":"significant"},{"speaker":"SPEAKER_00","startTime":409.76,"endTime":410.24,"body":"financial"},{"speaker":"SPEAKER_00","startTime":410.24,"endTime":410.72,"body":"impact."},{"speaker":"SPEAKER_00","startTime":410.88,"endTime":411.12,"body":"The"},{"speaker":"SPEAKER_00","startTime":411.12,"endTime":411.6,"body":"probability"},{"speaker":"SPEAKER_00","startTime":411.6,"endTime":411.76,"body":"of"},{"speaker":"SPEAKER_00","startTime":411.76,"endTime":412.08,"body":"success"},{"speaker":"SPEAKER_00","startTime":412.08,"endTime":412.32,"body":"goes"},{"speaker":"SPEAKER_00","startTime":412.32,"endTime":412.48,"body":"from"},{"speaker":"SPEAKER_00","startTime":412.48,"endTime":412.96,"body":"24%"},{"speaker":"SPEAKER_00","startTime":413.2,"endTime":413.36,"body":"to"},{"speaker":"SPEAKER_00","startTime":413.36,"endTime":413.92,"body":"65%."},{"speaker":"SPEAKER_00","startTime":414.4,"endTime":414.56,"body":"So"},{"speaker":"SPEAKER_00","startTime":414.64,"endTime":414.88,"body":"that"},{"speaker":"SPEAKER_00","startTime":414.88,"endTime":415.12,"body":"looks"},{"speaker":"SPEAKER_00","startTime":415.12,"endTime":415.28,"body":"good"},{"speaker":"SPEAKER_00","startTime":415.28,"endTime":415.44,"body":"on"},{"speaker":"SPEAKER_00","startTime":415.44,"endTime":415.68,"body":"paper,"},{"speaker":"SPEAKER_00","startTime":415.76,"endTime":415.92,"body":"but"},{"speaker":"SPEAKER_00","startTime":415.92,"endTime":416.16,"body":"here's"},{"speaker":"SPEAKER_00","startTime":416.16,"endTime":416.32,"body":"what"},{"speaker":"SPEAKER_00","startTime":416.32,"endTime":416.48,"body":"that"},{"speaker":"SPEAKER_00","startTime":416.48,"endTime":416.72,"body":"doesn't"},{"speaker":"SPEAKER_00","startTime":416.72,"endTime":416.88,"body":"take"},{"speaker":"SPEAKER_00","startTime":416.88,"endTime":417.12,"body":"into"},{"speaker":"SPEAKER_00","startTime":417.12,"endTime":417.44,"body":"account"},{"speaker":"SPEAKER_00","startTime":417.6,"endTime":417.84,"body":"is"},{"speaker":"SPEAKER_00","startTime":418.0,"endTime":418.32,"body":"those"},{"speaker":"SPEAKER_00","startTime":418.32,"endTime":418.48,"body":"are"},{"speaker":"SPEAKER_00","startTime":418.48,"endTime":418.64,"body":"the"},{"speaker":"SPEAKER_00","startTime":418.64,"endTime":418.96,"body":"three"},{"speaker":"SPEAKER_00","startTime":418.96,"endTime":419.2,"body":"best"},{"speaker":"SPEAKER_00","startTime":419.2,"endTime":419.52,"body":"years"},{"speaker":"SPEAKER_00","startTime":419.52,"endTime":419.68,"body":"in"},{"speaker":"SPEAKER_00","startTime":419.68,"endTime":419.84,"body":"terms"},{"speaker":"SPEAKER_00","startTime":419.84,"endTime":420.0,"body":"of"},{"speaker":"SPEAKER_00","startTime":420.0,"endTime":420.08,"body":"the"},{"speaker":"SPEAKER_00","startTime":420.08,"endTime":420.4,"body":"health"},{"speaker":"SPEAKER_00","startTime":420.4,"endTime":420.64,"body":"they're"},{"speaker":"SPEAKER_00","startTime":420.64,"endTime":420.8,"body":"gonna"},{"speaker":"SPEAKER_00","startTime":420.8,"endTime":420.96,"body":"have,"},{"speaker":"SPEAKER_00","startTime":421.04,"endTime":421.2,"body":"the"},{"speaker":"SPEAKER_00","startTime":421.2,"endTime":421.52,"body":"energy"},{"speaker":"SPEAKER_00","startTime":421.52,"endTime":421.76,"body":"they're"},{"speaker":"SPEAKER_00","startTime":421.76,"endTime":421.92,"body":"gonna"},{"speaker":"SPEAKER_00","startTime":421.92,"endTime":422.16,"body":"have,"},{"speaker":"SPEAKER_00","startTime":422.32,"endTime":422.56,"body":"the"},{"speaker":"SPEAKER_00","startTime":422.56,"endTime":423.12,"body":"vitality"},{"speaker":"SPEAKER_00","startTime":423.12,"endTime":423.44,"body":"they're"},{"speaker":"SPEAKER_00","startTime":423.44,"endTime":423.76,"body":"gonna"},{"speaker":"SPEAKER_00","startTime":423.76,"endTime":424.0,"body":"have."},{"speaker":"SPEAKER_00","startTime":424.16,"endTime":424.4,"body":"So"},{"speaker":"SPEAKER_00","startTime":424.48,"endTime":424.8,"body":"that"},{"speaker":"SPEAKER_00","startTime":424.8,"endTime":425.12,"body":"might"},{"speaker":"SPEAKER_00","startTime":425.12,"endTime":425.44,"body":"be"},{"speaker":"SPEAKER_00","startTime":425.44,"endTime":426.08,"body":"necessary,"},{"speaker":"SPEAKER_00","startTime":426.4,"endTime":426.64,"body":"but"},{"speaker":"SPEAKER_00","startTime":426.64,"endTime":426.96,"body":"every"},{"speaker":"SPEAKER_00","startTime":426.96,"endTime":427.28,"body":"year"},{"speaker":"SPEAKER_00","startTime":427.28,"endTime":427.52,"body":"you"},{"speaker":"SPEAKER_00","startTime":427.52,"endTime":427.76,"body":"work"},{"speaker":"SPEAKER_00","startTime":427.76,"endTime":428.08,"body":"longer,"},{"speaker":"SPEAKER_00","startTime":428.24,"endTime":428.4,"body":"yes,"},{"speaker":"SPEAKER_00","startTime":428.48,"endTime":428.64,"body":"it"},{"speaker":"SPEAKER_00","startTime":428.64,"endTime":428.96,"body":"helps"},{"speaker":"SPEAKER_00","startTime":428.96,"endTime":429.12,"body":"the"},{"speaker":"SPEAKER_00","startTime":429.12,"endTime":429.44,"body":"financial"},{"speaker":"SPEAKER_00","startTime":429.44,"endTime":429.6,"body":"side"},{"speaker":"SPEAKER_00","startTime":429.6,"endTime":429.68,"body":"of"},{"speaker":"SPEAKER_00","startTime":429.68,"endTime":429.92,"body":"things,"},{"speaker":"SPEAKER_00","startTime":430.0,"endTime":430.16,"body":"but"},{"speaker":"SPEAKER_00","startTime":430.16,"endTime":430.24,"body":"what"},{"speaker":"SPEAKER_00","startTime":430.24,"endTime":430.4,"body":"does"},{"speaker":"SPEAKER_00","startTime":430.4,"endTime":430.56,"body":"it"},{"speaker":"SPEAKER_00","startTime":430.56,"endTime":430.72,"body":"take"},{"speaker":"SPEAKER_00","startTime":430.72,"endTime":430.96,"body":"away"},{"speaker":"SPEAKER_00","startTime":430.96,"endTime":431.12,"body":"from"},{"speaker":"SPEAKER_00","startTime":431.12,"endTime":431.28,"body":"your"},{"speaker":"SPEAKER_00","startTime":431.28,"endTime":431.68,"body":"ability"},{"speaker":"SPEAKER_00","startTime":431.68,"endTime":431.76,"body":"to"},{"speaker":"SPEAKER_00","startTime":431.76,"endTime":432.08,"body":"actually"},{"speaker":"SPEAKER_00","startTime":432.08,"endTime":432.48,"body":"enjoy"},{"speaker":"SPEAKER_00","startTime":432.48,"endTime":432.72,"body":"and"},{"speaker":"SPEAKER_00","startTime":432.72,"endTime":432.88,"body":"do"},{"speaker":"SPEAKER_00","startTime":432.88,"endTime":432.96,"body":"the"},{"speaker":"SPEAKER_00","startTime":432.96,"endTime":433.28,"body":"things"},{"speaker":"SPEAKER_00","startTime":433.28,"endTime":433.36,"body":"you"},{"speaker":"SPEAKER_00","startTime":433.36,"endTime":433.52,"body":"want"},{"speaker":"SPEAKER_00","startTime":433.52,"endTime":433.68,"body":"to"},{"speaker":"SPEAKER_00","startTime":433.68,"endTime":433.84,"body":"do"},{"speaker":"SPEAKER_00","startTime":433.84,"endTime":434.08,"body":"in"},{"speaker":"SPEAKER_00","startTime":434.08,"endTime":434.64,"body":"retirement?"},{"speaker":"SPEAKER_00","startTime":434.8,"endTime":435.04,"body":"That's"},{"speaker":"SPEAKER_00","startTime":435.04,"endTime":435.2,"body":"where"},{"speaker":"SPEAKER_00","startTime":435.2,"endTime":435.6,"body":"financial"},{"speaker":"SPEAKER_00","startTime":435.6,"endTime":435.92,"body":"planning"},{"speaker":"SPEAKER_00","startTime":435.92,"endTime":436.08,"body":"comes"},{"speaker":"SPEAKER_00","startTime":436.08,"endTime":436.16,"body":"in."},{"speaker":"SPEAKER_00","startTime":436.32,"endTime":436.64,"body":"What's"},{"speaker":"SPEAKER_00","startTime":436.64,"endTime":436.72,"body":"the"},{"speaker":"SPEAKER_00","startTime":436.72,"endTime":437.04,"body":"balance"},{"speaker":"SPEAKER_00","startTime":437.04,"endTime":437.2,"body":"of"},{"speaker":"SPEAKER_00","startTime":437.2,"endTime":437.52,"body":"being"},{"speaker":"SPEAKER_00","startTime":437.52,"endTime":438.0,"body":"financially"},{"speaker":"SPEAKER_00","startTime":438.0,"endTime":438.88,"body":"prepared"},{"speaker":"SPEAKER_00","startTime":438.88,"endTime":439.6,"body":"without"},{"speaker":"SPEAKER_00","startTime":439.6,"endTime":440.08,"body":"risking"},{"speaker":"SPEAKER_00","startTime":440.08,"endTime":440.32,"body":"too"},{"speaker":"SPEAKER_00","startTime":440.32,"endTime":440.56,"body":"much"},{"speaker":"SPEAKER_00","startTime":440.56,"endTime":440.72,"body":"of"},{"speaker":"SPEAKER_00","startTime":440.72,"endTime":441.04,"body":"working"},{"speaker":"SPEAKER_00","startTime":441.04,"endTime":441.2,"body":"too"},{"speaker":"SPEAKER_00","startTime":441.2,"endTime":441.36,"body":"long,"},{"speaker":"SPEAKER_00","startTime":441.52,"endTime":441.92,"body":"saving"},{"speaker":"SPEAKER_00","startTime":441.92,"endTime":442.16,"body":"too"},{"speaker":"SPEAKER_00","startTime":442.16,"endTime":442.32,"body":"much"},{"speaker":"SPEAKER_00","startTime":442.4,"endTime":442.64,"body":"that"},{"speaker":"SPEAKER_00","startTime":442.64,"endTime":442.96,"body":"you"},{"speaker":"SPEAKER_00","startTime":442.96,"endTime":443.2,"body":"miss"},{"speaker":"SPEAKER_00","startTime":443.2,"endTime":443.52,"body":"life"},{"speaker":"SPEAKER_00","startTime":443.52,"endTime":443.76,"body":"along"},{"speaker":"SPEAKER_00","startTime":443.76,"endTime":443.92,"body":"the"},{"speaker":"SPEAKER_00","startTime":443.92,"endTime":444.16,"body":"way?"},{"speaker":"SPEAKER_00","startTime":444.32,"endTime":444.48,"body":"Now,"},{"speaker":"SPEAKER_00","startTime":444.56,"endTime":444.72,"body":"by"},{"speaker":"SPEAKER_00","startTime":444.72,"endTime":444.8,"body":"the"},{"speaker":"SPEAKER_00","startTime":444.8,"endTime":444.88,"body":"way,"},{"speaker":"SPEAKER_00","startTime":444.96,"endTime":445.12,"body":"if"},{"speaker":"SPEAKER_00","startTime":445.12,"endTime":445.2,"body":"you"},{"speaker":"SPEAKER_00","startTime":445.2,"endTime":445.36,"body":"want"},{"speaker":"SPEAKER_00","startTime":445.36,"endTime":445.44,"body":"to"},{"speaker":"SPEAKER_00","startTime":445.44,"endTime":445.6,"body":"run"},{"speaker":"SPEAKER_00","startTime":445.6,"endTime":445.68,"body":"your"},{"speaker":"SPEAKER_00","startTime":445.68,"endTime":445.84,"body":"own"},{"speaker":"SPEAKER_00","startTime":445.84,"endTime":446.4,"body":"projections,"},{"speaker":"SPEAKER_00","startTime":446.48,"endTime":446.64,"body":"you"},{"speaker":"SPEAKER_00","startTime":446.64,"endTime":446.72,"body":"can"},{"speaker":"SPEAKER_00","startTime":446.72,"endTime":446.88,"body":"get"},{"speaker":"SPEAKER_00","startTime":446.88,"endTime":447.2,"body":"access"},{"speaker":"SPEAKER_00","startTime":447.2,"endTime":447.36,"body":"to"},{"speaker":"SPEAKER_00","startTime":447.36,"endTime":447.44,"body":"the"},{"speaker":"SPEAKER_00","startTime":447.44,"endTime":447.68,"body":"same"},{"speaker":"SPEAKER_00","startTime":447.68,"endTime":447.92,"body":"exact"},{"speaker":"SPEAKER_00","startTime":447.92,"endTime":448.32,"body":"software"},{"speaker":"SPEAKER_00","startTime":448.32,"endTime":448.48,"body":"in"},{"speaker":"SPEAKER_00","startTime":448.48,"endTime":448.56,"body":"the"},{"speaker":"SPEAKER_00","startTime":448.56,"endTime":449.04,"body":"Retirement"},{"speaker":"SPEAKER_00","startTime":449.04,"endTime":449.44,"body":"Planning"},{"speaker":"SPEAKER_00","startTime":449.44,"endTime":449.84,"body":"Academy."},{"speaker":"SPEAKER_00","startTime":450.0,"endTime":450.24,"body":"Link"},{"speaker":"SPEAKER_00","startTime":450.24,"endTime":450.4,"body":"is"},{"speaker":"SPEAKER_00","startTime":450.4,"endTime":450.48,"body":"in"},{"speaker":"SPEAKER_00","startTime":450.48,"endTime":450.56,"body":"the"},{"speaker":"SPEAKER_00","startTime":450.56,"endTime":450.8,"body":"show"},{"speaker":"SPEAKER_00","startTime":450.8,"endTime":451.12,"body":"notes"},{"speaker":"SPEAKER_00","startTime":451.12,"endTime":451.44,"body":"below."},{"speaker":"SPEAKER_00","startTime":451.6,"endTime":451.76,"body":"But"},{"speaker":"SPEAKER_00","startTime":451.76,"endTime":451.92,"body":"as"},{"speaker":"SPEAKER_00","startTime":451.92,"endTime":452.08,"body":"we"},{"speaker":"SPEAKER_00","startTime":452.08,"endTime":452.24,"body":"go"},{"speaker":"SPEAKER_00","startTime":452.24,"endTime":452.48,"body":"back"},{"speaker":"SPEAKER_00","startTime":452.48,"endTime":452.64,"body":"to"},{"speaker":"SPEAKER_00","startTime":452.64,"endTime":452.8,"body":"this,"},{"speaker":"SPEAKER_00","startTime":453.12,"endTime":453.44,"body":"hold"},{"speaker":"SPEAKER_00","startTime":453.44,"endTime":453.6,"body":"this"},{"speaker":"SPEAKER_00","startTime":453.6,"endTime":453.68,"body":"in"},{"speaker":"SPEAKER_00","startTime":453.68,"endTime":453.84,"body":"your"},{"speaker":"SPEAKER_00","startTime":453.84,"endTime":454.0,"body":"mind."},{"speaker":"SPEAKER_00","startTime":454.16,"endTime":454.4,"body":"Think"},{"speaker":"SPEAKER_00","startTime":454.4,"endTime":454.56,"body":"of"},{"speaker":"SPEAKER_00","startTime":454.56,"endTime":454.72,"body":"this"},{"speaker":"SPEAKER_00","startTime":454.8,"endTime":454.88,"body":"that"},{"speaker":"SPEAKER_00","startTime":454.96,"endTime":455.2,"body":"yes,"},{"speaker":"SPEAKER_00","startTime":455.28,"endTime":455.44,"body":"if"},{"speaker":"SPEAKER_00","startTime":455.44,"endTime":455.6,"body":"they"},{"speaker":"SPEAKER_00","startTime":455.6,"endTime":455.84,"body":"work"},{"speaker":"SPEAKER_00","startTime":455.84,"endTime":456.0,"body":"three"},{"speaker":"SPEAKER_00","startTime":456.0,"endTime":456.16,"body":"more"},{"speaker":"SPEAKER_00","startTime":456.16,"endTime":456.32,"body":"years,"},{"speaker":"SPEAKER_00","startTime":456.4,"endTime":456.72,"body":"they're"},{"speaker":"SPEAKER_00","startTime":456.72,"endTime":456.96,"body":"good,"},{"speaker":"SPEAKER_00","startTime":457.12,"endTime":457.36,"body":"but"},{"speaker":"SPEAKER_00","startTime":457.36,"endTime":457.6,"body":"that"},{"speaker":"SPEAKER_00","startTime":457.6,"endTime":457.92,"body":"shouldn't"},{"speaker":"SPEAKER_00","startTime":457.92,"endTime":458.08,"body":"be"},{"speaker":"SPEAKER_00","startTime":458.08,"endTime":458.24,"body":"the"},{"speaker":"SPEAKER_00","startTime":458.24,"endTime":458.4,"body":"first"},{"speaker":"SPEAKER_00","startTime":458.4,"endTime":458.56,"body":"thing"},{"speaker":"SPEAKER_00","startTime":458.56,"endTime":458.64,"body":"that"},{"speaker":"SPEAKER_00","startTime":458.64,"endTime":458.8,"body":"we"},{"speaker":"SPEAKER_00","startTime":458.8,"endTime":459.12,"body":"looked"},{"speaker":"SPEAKER_00","startTime":459.12,"endTime":459.28,"body":"at."},{"speaker":"SPEAKER_00","startTime":459.52,"endTime":459.76,"body":"I'm"},{"speaker":"SPEAKER_00","startTime":459.76,"endTime":460.0,"body":"gonna"},{"speaker":"SPEAKER_00","startTime":460.0,"endTime":460.4,"body":"reset"},{"speaker":"SPEAKER_00","startTime":460.4,"endTime":460.64,"body":"this"},{"speaker":"SPEAKER_00","startTime":460.64,"endTime":460.72,"body":"for"},{"speaker":"SPEAKER_00","startTime":460.72,"endTime":460.8,"body":"a"},{"speaker":"SPEAKER_00","startTime":460.8,"endTime":461.04,"body":"second."},{"speaker":"SPEAKER_00","startTime":461.12,"endTime":461.28,"body":"And"},{"speaker":"SPEAKER_00","startTime":461.28,"endTime":461.44,"body":"if"},{"speaker":"SPEAKER_00","startTime":461.44,"endTime":461.52,"body":"you"},{"speaker":"SPEAKER_00","startTime":461.52,"endTime":461.76,"body":"recall,"},{"speaker":"SPEAKER_00","startTime":461.84,"endTime":461.92,"body":"I"},{"speaker":"SPEAKER_00","startTime":461.92,"endTime":462.24,"body":"mentioned"},{"speaker":"SPEAKER_00","startTime":462.24,"endTime":462.4,"body":"that"},{"speaker":"SPEAKER_00","startTime":462.4,"endTime":463.2,"body":"$14,000"},{"speaker":"SPEAKER_00","startTime":463.2,"endTime":463.36,"body":"per"},{"speaker":"SPEAKER_00","startTime":463.36,"endTime":463.84,"body":"month"},{"speaker":"SPEAKER_00","startTime":463.84,"endTime":464.0,"body":"is"},{"speaker":"SPEAKER_00","startTime":464.0,"endTime":464.24,"body":"what"},{"speaker":"SPEAKER_00","startTime":464.24,"endTime":464.48,"body":"they"},{"speaker":"SPEAKER_00","startTime":464.48,"endTime":464.64,"body":"want"},{"speaker":"SPEAKER_00","startTime":464.64,"endTime":464.8,"body":"to"},{"speaker":"SPEAKER_00","startTime":464.8,"endTime":465.2,"body":"spend."},{"speaker":"SPEAKER_00","startTime":465.28,"endTime":465.52,"body":"But"},{"speaker":"SPEAKER_00","startTime":465.52,"endTime":465.76,"body":"that"},{"speaker":"SPEAKER_00","startTime":465.76,"endTime":465.92,"body":"was"},{"speaker":"SPEAKER_00","startTime":465.92,"endTime":466.08,"body":"just"},{"speaker":"SPEAKER_00","startTime":466.08,"endTime":466.32,"body":"looking"},{"speaker":"SPEAKER_00","startTime":466.32,"endTime":466.4,"body":"at"},{"speaker":"SPEAKER_00","startTime":466.4,"endTime":466.56,"body":"a"},{"speaker":"SPEAKER_00","startTime":466.56,"endTime":467.12,"body":"snapshot"},{"speaker":"SPEAKER_00","startTime":467.12,"endTime":467.28,"body":"in"},{"speaker":"SPEAKER_00","startTime":467.28,"endTime":467.44,"body":"time"},{"speaker":"SPEAKER_00","startTime":467.52,"endTime":467.76,"body":"right"},{"speaker":"SPEAKER_00","startTime":467.76,"endTime":467.92,"body":"now."},{"speaker":"SPEAKER_00","startTime":468.08,"endTime":468.32,"body":"And"},{"speaker":"SPEAKER_00","startTime":468.32,"endTime":468.4,"body":"I"},{"speaker":"SPEAKER_00","startTime":468.4,"endTime":468.72,"body":"mentioned"},{"speaker":"SPEAKER_00","startTime":468.72,"endTime":468.96,"body":"that"},{"speaker":"SPEAKER_00","startTime":468.96,"endTime":469.12,"body":"of"},{"speaker":"SPEAKER_00","startTime":469.12,"endTime":469.28,"body":"that"},{"speaker":"SPEAKER_00","startTime":469.28,"endTime":470.16,"body":"$14,000,"},{"speaker":"SPEAKER_00","startTime":470.32,"endTime":471.2,"body":"$4,000"},{"speaker":"SPEAKER_00","startTime":471.2,"endTime":471.36,"body":"was"},{"speaker":"SPEAKER_00","startTime":471.36,"endTime":471.6,"body":"really"},{"speaker":"SPEAKER_00","startTime":471.6,"endTime":471.84,"body":"for"},{"speaker":"SPEAKER_00","startTime":471.84,"endTime":472.24,"body":"travel,"},{"speaker":"SPEAKER_00","startTime":472.4,"endTime":472.64,"body":"which"},{"speaker":"SPEAKER_00","startTime":472.64,"endTime":472.8,"body":"comes"},{"speaker":"SPEAKER_00","startTime":472.8,"endTime":472.96,"body":"out"},{"speaker":"SPEAKER_00","startTime":472.96,"endTime":473.12,"body":"to"},{"speaker":"SPEAKER_00","startTime":473.12,"endTime":473.76,"body":"$48,000."},{"speaker":"SPEAKER_00","startTime":473.84,"endTime":474.08,"body":"We'll"},{"speaker":"SPEAKER_00","startTime":474.08,"endTime":474.4,"body":"round"},{"speaker":"SPEAKER_00","startTime":474.4,"endTime":474.48,"body":"it"},{"speaker":"SPEAKER_00","startTime":474.48,"endTime":474.64,"body":"to"},{"speaker":"SPEAKER_00","startTime":474.64,"endTime":475.2,"body":"$50,000"},{"speaker":"SPEAKER_00","startTime":475.2,"endTime":475.36,"body":"per"},{"speaker":"SPEAKER_00","startTime":475.36,"endTime":475.52,"body":"year"},{"speaker":"SPEAKER_00","startTime":475.52,"endTime":475.68,"body":"for"},{"speaker":"SPEAKER_00","startTime":475.68,"endTime":476.08,"body":"travel."},{"speaker":"SPEAKER_00","startTime":476.16,"endTime":476.4,"body":"And"},{"speaker":"SPEAKER_00","startTime":476.4,"endTime":476.48,"body":"the"},{"speaker":"SPEAKER_00","startTime":476.48,"endTime":476.96,"body":"remaining"},{"speaker":"SPEAKER_00","startTime":476.96,"endTime":477.6,"body":"$10,000"},{"speaker":"SPEAKER_00","startTime":477.6,"endTime":477.76,"body":"is"},{"speaker":"SPEAKER_00","startTime":477.76,"endTime":478.0,"body":"what"},{"speaker":"SPEAKER_00","startTime":478.0,"endTime":478.16,"body":"they"},{"speaker":"SPEAKER_00","startTime":478.16,"endTime":478.48,"body":"actually"},{"speaker":"SPEAKER_00","startTime":478.48,"endTime":478.64,"body":"want"},{"speaker":"SPEAKER_00","startTime":478.64,"endTime":478.88,"body":"to"},{"speaker":"SPEAKER_00","startTime":478.88,"endTime":479.28,"body":"spend."},{"speaker":"SPEAKER_00","startTime":479.52,"endTime":479.76,"body":"So"},{"speaker":"SPEAKER_00","startTime":479.84,"endTime":480.08,"body":"in"},{"speaker":"SPEAKER_00","startTime":480.08,"endTime":480.64,"body":"conversations,"},{"speaker":"SPEAKER_00","startTime":480.8,"endTime":480.96,"body":"do"},{"speaker":"SPEAKER_00","startTime":480.96,"endTime":481.12,"body":"you"},{"speaker":"SPEAKER_00","startTime":481.12,"endTime":481.28,"body":"think"},{"speaker":"SPEAKER_00","startTime":481.28,"endTime":481.52,"body":"you're"},{"speaker":"SPEAKER_00","startTime":481.52,"endTime":481.68,"body":"gonna"},{"speaker":"SPEAKER_00","startTime":481.68,"endTime":481.84,"body":"be"},{"speaker":"SPEAKER_00","startTime":481.84,"endTime":482.32,"body":"spending"},{"speaker":"SPEAKER_00","startTime":482.32,"endTime":483.12,"body":"$50,000"},{"speaker":"SPEAKER_00","startTime":483.28,"endTime":483.44,"body":"per"},{"speaker":"SPEAKER_00","startTime":483.44,"endTime":483.6,"body":"year"},{"speaker":"SPEAKER_00","startTime":483.6,"endTime":483.76,"body":"for"},{"speaker":"SPEAKER_00","startTime":483.76,"endTime":484.24,"body":"travel"},{"speaker":"SPEAKER_00","startTime":484.24,"endTime":484.4,"body":"in"},{"speaker":"SPEAKER_00","startTime":484.4,"endTime":484.56,"body":"your"},{"speaker":"SPEAKER_00","startTime":484.56,"endTime":484.88,"body":"late"},{"speaker":"SPEAKER_00","startTime":484.88,"endTime":485.36,"body":"70s"},{"speaker":"SPEAKER_00","startTime":485.36,"endTime":485.52,"body":"and"},{"speaker":"SPEAKER_00","startTime":485.52,"endTime":485.68,"body":"your"},{"speaker":"SPEAKER_00","startTime":485.68,"endTime":486.0,"body":"80s"},{"speaker":"SPEAKER_00","startTime":486.08,"endTime":486.24,"body":"and"},{"speaker":"SPEAKER_00","startTime":486.24,"endTime":486.8,"body":"beyond?"},{"speaker":"SPEAKER_00","startTime":487.04,"endTime":487.2,"body":"The"},{"speaker":"SPEAKER_00","startTime":487.2,"endTime":487.52,"body":"answer"},{"speaker":"SPEAKER_00","startTime":487.52,"endTime":487.76,"body":"is"},{"speaker":"SPEAKER_00","startTime":487.76,"endTime":488.0,"body":"no."},{"speaker":"SPEAKER_00","startTime":488.16,"endTime":488.32,"body":"The"},{"speaker":"SPEAKER_00","startTime":488.32,"endTime":488.64,"body":"answer"},{"speaker":"SPEAKER_00","startTime":488.64,"endTime":488.8,"body":"is"},{"speaker":"SPEAKER_00","startTime":488.8,"endTime":488.96,"body":"really"},{"speaker":"SPEAKER_00","startTime":489.12,"endTime":489.28,"body":"can"},{"speaker":"SPEAKER_00","startTime":489.28,"endTime":489.36,"body":"we"},{"speaker":"SPEAKER_00","startTime":489.36,"endTime":489.6,"body":"spend"},{"speaker":"SPEAKER_00","startTime":489.6,"endTime":489.76,"body":"that"},{"speaker":"SPEAKER_00","startTime":489.76,"endTime":490.0,"body":"amount"},{"speaker":"SPEAKER_00","startTime":490.0,"endTime":490.16,"body":"for"},{"speaker":"SPEAKER_00","startTime":490.16,"endTime":490.24,"body":"the"},{"speaker":"SPEAKER_00","startTime":490.24,"endTime":490.48,"body":"first"},{"speaker":"SPEAKER_00","startTime":490.48,"endTime":490.72,"body":"10"},{"speaker":"SPEAKER_00","startTime":490.72,"endTime":490.96,"body":"years"},{"speaker":"SPEAKER_00","startTime":490.96,"endTime":491.12,"body":"or"},{"speaker":"SPEAKER_00","startTime":491.12,"endTime":491.28,"body":"so"},{"speaker":"SPEAKER_00","startTime":491.28,"endTime":491.36,"body":"of"},{"speaker":"SPEAKER_00","startTime":491.36,"endTime":491.84,"body":"retirement?"},{"speaker":"SPEAKER_00","startTime":491.92,"endTime":492.08,"body":"So"},{"speaker":"SPEAKER_00","startTime":492.16,"endTime":492.32,"body":"that's"},{"speaker":"SPEAKER_00","startTime":492.32,"endTime":492.48,"body":"why"},{"speaker":"SPEAKER_00","startTime":492.48,"endTime":492.64,"body":"I"},{"speaker":"SPEAKER_00","startTime":492.64,"endTime":492.8,"body":"put"},{"speaker":"SPEAKER_00","startTime":492.8,"endTime":492.96,"body":"this"},{"speaker":"SPEAKER_00","startTime":492.96,"endTime":493.2,"body":"card"},{"speaker":"SPEAKER_00","startTime":493.2,"endTime":493.36,"body":"here."},{"speaker":"SPEAKER_00","startTime":493.44,"endTime":493.6,"body":"I"},{"speaker":"SPEAKER_00","startTime":493.6,"endTime":493.76,"body":"said,"},{"speaker":"SPEAKER_00","startTime":493.84,"endTime":494.0,"body":"what"},{"speaker":"SPEAKER_00","startTime":494.0,"endTime":494.16,"body":"if"},{"speaker":"SPEAKER_00","startTime":494.16,"endTime":494.32,"body":"we"},{"speaker":"SPEAKER_00","startTime":494.32,"endTime":494.48,"body":"take"},{"speaker":"SPEAKER_00","startTime":494.48,"endTime":494.64,"body":"that"},{"speaker":"SPEAKER_00","startTime":494.64,"endTime":494.96,"body":"travel"},{"speaker":"SPEAKER_00","startTime":494.96,"endTime":495.44,"body":"budget?"},{"speaker":"SPEAKER_00","startTime":495.6,"endTime":495.92,"body":"Instead"},{"speaker":"SPEAKER_00","startTime":495.92,"endTime":496.08,"body":"of"},{"speaker":"SPEAKER_00","startTime":496.08,"endTime":496.32,"body":"making"},{"speaker":"SPEAKER_00","startTime":496.32,"endTime":496.64,"body":"it"},{"speaker":"SPEAKER_00","startTime":496.64,"endTime":497.04,"body":"zero,"},{"speaker":"SPEAKER_00","startTime":497.28,"endTime":497.52,"body":"but"},{"speaker":"SPEAKER_00","startTime":497.52,"endTime":497.6,"body":"you"},{"speaker":"SPEAKER_00","startTime":497.6,"endTime":497.76,"body":"can"},{"speaker":"SPEAKER_00","startTime":497.76,"endTime":497.92,"body":"see"},{"speaker":"SPEAKER_00","startTime":497.92,"endTime":498.08,"body":"here"},{"speaker":"SPEAKER_00","startTime":498.16,"endTime":498.4,"body":"that"},{"speaker":"SPEAKER_00","startTime":498.4,"endTime":498.64,"body":"goal"},{"speaker":"SPEAKER_00","startTime":498.64,"endTime":498.96,"body":"ends"},{"speaker":"SPEAKER_00","startTime":498.96,"endTime":499.2,"body":"after"},{"speaker":"SPEAKER_00","startTime":499.2,"endTime":499.52,"body":"10"},{"speaker":"SPEAKER_00","startTime":499.52,"endTime":499.84,"body":"years."},{"speaker":"SPEAKER_00","startTime":500.08,"endTime":500.4,"body":"What"},{"speaker":"SPEAKER_00","startTime":500.4,"endTime":500.56,"body":"if"},{"speaker":"SPEAKER_00","startTime":500.56,"endTime":500.72,"body":"we"},{"speaker":"SPEAKER_00","startTime":500.72,"endTime":500.88,"body":"do"},{"speaker":"SPEAKER_00","startTime":500.88,"endTime":501.04,"body":"this?"},{"speaker":"SPEAKER_00","startTime":501.2,"endTime":501.44,"body":"What"},{"speaker":"SPEAKER_00","startTime":501.44,"endTime":501.6,"body":"if"},{"speaker":"SPEAKER_00","startTime":501.6,"endTime":501.84,"body":"we"},{"speaker":"SPEAKER_00","startTime":501.84,"endTime":502.32,"body":"take"},{"speaker":"SPEAKER_00","startTime":502.32,"endTime":502.96,"body":"$4,000"},{"speaker":"SPEAKER_00","startTime":503.12,"endTime":503.28,"body":"per"},{"speaker":"SPEAKER_00","startTime":503.28,"endTime":503.68,"body":"month"},{"speaker":"SPEAKER_00","startTime":503.68,"endTime":504.0,"body":"from"},{"speaker":"SPEAKER_00","startTime":504.0,"endTime":504.32,"body":"here"},{"speaker":"SPEAKER_00","startTime":504.56,"endTime":504.8,"body":"and"},{"speaker":"SPEAKER_00","startTime":504.8,"endTime":505.04,"body":"we"},{"speaker":"SPEAKER_00","startTime":505.04,"endTime":505.28,"body":"put"},{"speaker":"SPEAKER_00","startTime":505.28,"endTime":505.52,"body":"that"},{"speaker":"SPEAKER_00","startTime":505.52,"endTime":505.84,"body":"into"},{"speaker":"SPEAKER_00","startTime":505.84,"endTime":506.0,"body":"their"},{"speaker":"SPEAKER_00","startTime":506.0,"endTime":506.32,"body":"annual"},{"speaker":"SPEAKER_00","startTime":506.32,"endTime":506.64,"body":"travel"},{"speaker":"SPEAKER_00","startTime":506.64,"endTime":506.96,"body":"budget?"},{"speaker":"SPEAKER_00","startTime":507.2,"endTime":507.36,"body":"So"},{"speaker":"SPEAKER_00","startTime":507.44,"endTime":507.6,"body":"in"},{"speaker":"SPEAKER_00","startTime":507.6,"endTime":507.76,"body":"other"},{"speaker":"SPEAKER_00","startTime":507.76,"endTime":507.92,"body":"words,"},{"speaker":"SPEAKER_00","startTime":508.08,"endTime":508.4,"body":"nothing"},{"speaker":"SPEAKER_00","startTime":508.4,"endTime":508.8,"body":"changes"},{"speaker":"SPEAKER_00","startTime":508.8,"endTime":508.96,"body":"for"},{"speaker":"SPEAKER_00","startTime":508.96,"endTime":509.04,"body":"the"},{"speaker":"SPEAKER_00","startTime":509.04,"endTime":509.2,"body":"first"},{"speaker":"SPEAKER_00","startTime":509.2,"endTime":509.44,"body":"10"},{"speaker":"SPEAKER_00","startTime":509.44,"endTime":509.6,"body":"years."},{"speaker":"SPEAKER_00","startTime":509.68,"endTime":509.92,"body":"You're"},{"speaker":"SPEAKER_00","startTime":509.92,"endTime":510.08,"body":"still"},{"speaker":"SPEAKER_00","startTime":510.08,"endTime":510.4,"body":"spending"},{"speaker":"SPEAKER_00","startTime":510.4,"endTime":510.72,"body":"everything"},{"speaker":"SPEAKER_00","startTime":510.72,"endTime":510.8,"body":"you"},{"speaker":"SPEAKER_00","startTime":510.8,"endTime":510.96,"body":"want"},{"speaker":"SPEAKER_00","startTime":510.96,"endTime":511.12,"body":"to"},{"speaker":"SPEAKER_00","startTime":511.12,"endTime":511.36,"body":"do,"},{"speaker":"SPEAKER_00","startTime":511.44,"endTime":511.68,"body":"but"},{"speaker":"SPEAKER_00","startTime":511.68,"endTime":511.84,"body":"from"},{"speaker":"SPEAKER_00","startTime":511.84,"endTime":512.32,"body":"75"},{"speaker":"SPEAKER_00","startTime":512.4,"endTime":512.56,"body":"and"},{"speaker":"SPEAKER_00","startTime":512.56,"endTime":513.12,"body":"beyond,"},{"speaker":"SPEAKER_00","startTime":513.28,"endTime":513.84,"body":"you're"},{"speaker":"SPEAKER_00","startTime":513.84,"endTime":514.0,"body":"not"},{"speaker":"SPEAKER_00","startTime":514.0,"endTime":514.56,"body":"spending"},{"speaker":"SPEAKER_00","startTime":514.56,"endTime":514.72,"body":"the"},{"speaker":"SPEAKER_00","startTime":514.72,"endTime":514.96,"body":"same"},{"speaker":"SPEAKER_00","startTime":514.96,"endTime":515.28,"body":"amount"},{"speaker":"SPEAKER_00","startTime":515.28,"endTime":515.44,"body":"on"},{"speaker":"SPEAKER_00","startTime":515.44,"endTime":515.76,"body":"travels."},{"speaker":"SPEAKER_00","startTime":516.0,"endTime":516.08,"body":"So"},{"speaker":"SPEAKER_00","startTime":516.16,"endTime":516.32,"body":"if"},{"speaker":"SPEAKER_00","startTime":516.32,"endTime":516.48,"body":"we"},{"speaker":"SPEAKER_00","startTime":516.48,"endTime":516.96,"body":"refresh"},{"speaker":"SPEAKER_00","startTime":516.96,"endTime":517.04,"body":"the"},{"speaker":"SPEAKER_00","startTime":517.04,"endTime":517.28,"body":"plan"},{"speaker":"SPEAKER_00","startTime":517.28,"endTime":517.52,"body":"with"},{"speaker":"SPEAKER_00","startTime":517.52,"endTime":517.68,"body":"these"},{"speaker":"SPEAKER_00","startTime":517.68,"endTime":518.08,"body":"numbers"},{"speaker":"SPEAKER_00","startTime":518.08,"endTime":518.4,"body":"here"},{"speaker":"SPEAKER_00","startTime":518.4,"endTime":518.72,"body":"and"},{"speaker":"SPEAKER_00","startTime":518.72,"endTime":519.04,"body":"plan"},{"speaker":"SPEAKER_00","startTime":519.04,"endTime":519.36,"body":"for"},{"speaker":"SPEAKER_00","startTime":519.36,"endTime":519.6,"body":"the"},{"speaker":"SPEAKER_00","startTime":519.6,"endTime":519.92,"body":"same"},{"speaker":"SPEAKER_00","startTime":519.92,"endTime":520.32,"body":"spending"},{"speaker":"SPEAKER_00","startTime":520.32,"endTime":520.48,"body":"for"},{"speaker":"SPEAKER_00","startTime":520.48,"endTime":520.56,"body":"the"},{"speaker":"SPEAKER_00","startTime":520.56,"endTime":520.8,"body":"first"},{"speaker":"SPEAKER_00","startTime":520.8,"endTime":521.04,"body":"10"},{"speaker":"SPEAKER_00","startTime":521.04,"endTime":521.28,"body":"years,"},{"speaker":"SPEAKER_00","startTime":521.36,"endTime":521.52,"body":"but"},{"speaker":"SPEAKER_00","startTime":521.52,"endTime":521.76,"body":"then"},{"speaker":"SPEAKER_00","startTime":521.76,"endTime":522.0,"body":"less"},{"speaker":"SPEAKER_00","startTime":522.0,"endTime":522.24,"body":"you're"},{"speaker":"SPEAKER_00","startTime":522.24,"endTime":522.72,"body":"spending"},{"speaker":"SPEAKER_00","startTime":522.72,"endTime":522.96,"body":"10"},{"speaker":"SPEAKER_00","startTime":522.96,"endTime":523.28,"body":"years"},{"speaker":"SPEAKER_00","startTime":523.28,"endTime":523.52,"body":"out,"},{"speaker":"SPEAKER_00","startTime":523.68,"endTime":523.84,"body":"what"},{"speaker":"SPEAKER_00","startTime":523.84,"endTime":524.0,"body":"you"},{"speaker":"SPEAKER_00","startTime":524.0,"endTime":524.16,"body":"see"},{"speaker":"SPEAKER_00","startTime":524.16,"endTime":524.32,"body":"is"},{"speaker":"SPEAKER_00","startTime":524.32,"endTime":524.64,"body":"things"},{"speaker":"SPEAKER_00","startTime":524.64,"endTime":524.8,"body":"look"},{"speaker":"SPEAKER_00","startTime":524.8,"endTime":524.96,"body":"the"},{"speaker":"SPEAKER_00","startTime":524.96,"endTime":525.28,"body":"exact"},{"speaker":"SPEAKER_00","startTime":525.28,"endTime":525.68,"body":"same"},{"speaker":"SPEAKER_00","startTime":525.68,"endTime":525.84,"body":"for"},{"speaker":"SPEAKER_00","startTime":525.84,"endTime":525.92,"body":"the"},{"speaker":"SPEAKER_00","startTime":525.92,"endTime":526.08,"body":"next"},{"speaker":"SPEAKER_00","startTime":526.08,"endTime":526.32,"body":"10"},{"speaker":"SPEAKER_00","startTime":526.32,"endTime":526.56,"body":"years"},{"speaker":"SPEAKER_00","startTime":526.64,"endTime":526.8,"body":"because"},{"speaker":"SPEAKER_00","startTime":526.88,"endTime":527.12,"body":"again,"},{"speaker":"SPEAKER_00","startTime":527.28,"endTime":527.68,"body":"nothing"},{"speaker":"SPEAKER_00","startTime":527.68,"endTime":527.84,"body":"has"},{"speaker":"SPEAKER_00","startTime":527.84,"endTime":528.24,"body":"changed"},{"speaker":"SPEAKER_00","startTime":528.24,"endTime":528.4,"body":"with"},{"speaker":"SPEAKER_00","startTime":528.4,"endTime":528.56,"body":"how"},{"speaker":"SPEAKER_00","startTime":528.56,"endTime":528.72,"body":"much"},{"speaker":"SPEAKER_00","startTime":528.72,"endTime":528.96,"body":"they're"},{"speaker":"SPEAKER_00","startTime":528.96,"endTime":529.2,"body":"actually"},{"speaker":"SPEAKER_00","startTime":529.2,"endTime":529.6,"body":"spending"},{"speaker":"SPEAKER_00","startTime":529.84,"endTime":530.16,"body":"there."},{"speaker":"SPEAKER_00","startTime":530.4,"endTime":530.72,"body":"What"},{"speaker":"SPEAKER_00","startTime":530.72,"endTime":531.04,"body":"does"},{"speaker":"SPEAKER_00","startTime":531.04,"endTime":531.52,"body":"change"},{"speaker":"SPEAKER_00","startTime":531.52,"endTime":531.68,"body":"is"},{"speaker":"SPEAKER_00","startTime":531.76,"endTime":531.92,"body":"from"},{"speaker":"SPEAKER_00","startTime":531.92,"endTime":532.24,"body":"10"},{"speaker":"SPEAKER_00","startTime":532.24,"endTime":532.4,"body":"years"},{"speaker":"SPEAKER_00","startTime":532.4,"endTime":532.56,"body":"and"},{"speaker":"SPEAKER_00","startTime":532.56,"endTime":533.04,"body":"beyond,"},{"speaker":"SPEAKER_00","startTime":533.2,"endTime":533.44,"body":"their"},{"speaker":"SPEAKER_00","startTime":533.44,"endTime":534.08,"body":"portfolio"},{"speaker":"SPEAKER_00","startTime":534.08,"endTime":534.24,"body":"is"},{"speaker":"SPEAKER_00","startTime":534.24,"endTime":534.72,"body":"projected"},{"speaker":"SPEAKER_00","startTime":534.72,"endTime":534.88,"body":"to"},{"speaker":"SPEAKER_00","startTime":534.88,"endTime":535.12,"body":"stay"},{"speaker":"SPEAKER_00","startTime":535.12,"endTime":535.36,"body":"more"},{"speaker":"SPEAKER_00","startTime":535.36,"endTime":535.76,"body":"stable."},{"speaker":"SPEAKER_00","startTime":535.84,"endTime":536.08,"body":"Their"},{"speaker":"SPEAKER_00","startTime":536.08,"endTime":536.64,"body":"portfolio"},{"speaker":"SPEAKER_00","startTime":536.64,"endTime":536.72,"body":"is"},{"speaker":"SPEAKER_00","startTime":536.72,"endTime":537.12,"body":"projected"},{"speaker":"SPEAKER_00","startTime":537.12,"endTime":537.28,"body":"to"},{"speaker":"SPEAKER_00","startTime":537.28,"endTime":537.44,"body":"grow"},{"speaker":"SPEAKER_00","startTime":537.44,"endTime":537.68,"body":"more."},{"speaker":"SPEAKER_00","startTime":537.76,"endTime":537.92,"body":"Now,"},{"speaker":"SPEAKER_00","startTime":538.0,"endTime":538.16,"body":"this"},{"speaker":"SPEAKER_00","startTime":538.16,"endTime":538.32,"body":"is"},{"speaker":"SPEAKER_00","startTime":538.32,"endTime":538.56,"body":"in"},{"speaker":"SPEAKER_00","startTime":538.56,"endTime":538.8,"body":"no"},{"speaker":"SPEAKER_00","startTime":538.8,"endTime":538.96,"body":"way"},{"speaker":"SPEAKER_00","startTime":538.96,"endTime":539.12,"body":"a"},{"speaker":"SPEAKER_00","startTime":539.12,"endTime":539.76,"body":"guarantee."},{"speaker":"SPEAKER_00","startTime":539.92,"endTime":540.16,"body":"This"},{"speaker":"SPEAKER_00","startTime":540.16,"endTime":540.32,"body":"is"},{"speaker":"SPEAKER_00","startTime":540.32,"endTime":540.88,"body":"assuming"},{"speaker":"SPEAKER_00","startTime":540.88,"endTime":541.04,"body":"some"},{"speaker":"SPEAKER_00","startTime":541.04,"endTime":541.36,"body":"average"},{"speaker":"SPEAKER_00","startTime":541.36,"endTime":541.6,"body":"rates"},{"speaker":"SPEAKER_00","startTime":541.6,"endTime":541.68,"body":"of"},{"speaker":"SPEAKER_00","startTime":541.68,"endTime":541.92,"body":"return"},{"speaker":"SPEAKER_00","startTime":541.92,"endTime":542.08,"body":"of"},{"speaker":"SPEAKER_00","startTime":542.08,"endTime":542.32,"body":"about"},{"speaker":"SPEAKER_00","startTime":542.32,"endTime":542.8,"body":"6.5%"},{"speaker":"SPEAKER_00","startTime":543.12,"endTime":543.28,"body":"per"},{"speaker":"SPEAKER_00","startTime":543.28,"endTime":543.52,"body":"year"},{"speaker":"SPEAKER_00","startTime":543.52,"endTime":543.68,"body":"with"},{"speaker":"SPEAKER_00","startTime":543.68,"endTime":543.84,"body":"our"},{"speaker":"SPEAKER_00","startTime":543.84,"endTime":544.24,"body":"portfolio"},{"speaker":"SPEAKER_00","startTime":544.24,"endTime":544.56,"body":"value"},{"speaker":"SPEAKER_00","startTime":544.56,"endTime":544.88,"body":"throughout"},{"speaker":"SPEAKER_00","startTime":544.88,"endTime":545.36,"body":"retirement."},{"speaker":"SPEAKER_00","startTime":545.52,"endTime":545.76,"body":"Not"},{"speaker":"SPEAKER_00","startTime":545.76,"endTime":545.84,"body":"a"},{"speaker":"SPEAKER_00","startTime":545.84,"endTime":546.4,"body":"guarantee,"},{"speaker":"SPEAKER_00","startTime":546.56,"endTime":546.96,"body":"simply"},{"speaker":"SPEAKER_00","startTime":546.96,"endTime":547.04,"body":"an"},{"speaker":"SPEAKER_00","startTime":547.04,"endTime":547.44,"body":"assumption"},{"speaker":"SPEAKER_00","startTime":547.44,"endTime":547.6,"body":"that"},{"speaker":"SPEAKER_00","startTime":547.6,"endTime":547.84,"body":"we're"},{"speaker":"SPEAKER_00","startTime":547.84,"endTime":548.16,"body":"making"},{"speaker":"SPEAKER_00","startTime":548.16,"endTime":548.4,"body":"to"},{"speaker":"SPEAKER_00","startTime":548.4,"endTime":548.88,"body":"illustrate"},{"speaker":"SPEAKER_00","startTime":548.88,"endTime":549.12,"body":"some"},{"speaker":"SPEAKER_00","startTime":549.12,"endTime":549.52,"body":"potential"},{"speaker":"SPEAKER_00","startTime":549.52,"endTime":550.0,"body":"outcomes."},{"speaker":"SPEAKER_00","startTime":550.24,"endTime":550.56,"body":"Their"},{"speaker":"SPEAKER_00","startTime":550.56,"endTime":550.96,"body":"probability"},{"speaker":"SPEAKER_00","startTime":550.96,"endTime":551.12,"body":"of"},{"speaker":"SPEAKER_00","startTime":551.12,"endTime":551.44,"body":"success,"},{"speaker":"SPEAKER_00","startTime":551.52,"endTime":551.68,"body":"by"},{"speaker":"SPEAKER_00","startTime":551.68,"endTime":551.84,"body":"the"},{"speaker":"SPEAKER_00","startTime":551.84,"endTime":552.0,"body":"way,"},{"speaker":"SPEAKER_00","startTime":552.16,"endTime":552.48,"body":"goes"},{"speaker":"SPEAKER_00","startTime":552.48,"endTime":552.64,"body":"from"},{"speaker":"SPEAKER_00","startTime":552.64,"endTime":553.2,"body":"24%"},{"speaker":"SPEAKER_00","startTime":553.52,"endTime":553.76,"body":"to"},{"speaker":"SPEAKER_00","startTime":553.76,"endTime":554.0,"body":"that"},{"speaker":"SPEAKER_00","startTime":554.0,"endTime":554.4,"body":"same"},{"speaker":"SPEAKER_00","startTime":554.4,"endTime":555.04,"body":"65%."},{"speaker":"SPEAKER_00","startTime":555.52,"endTime":555.68,"body":"So"},{"speaker":"SPEAKER_00","startTime":555.76,"endTime":555.92,"body":"that"},{"speaker":"SPEAKER_00","startTime":555.92,"endTime":556.08,"body":"was"},{"speaker":"SPEAKER_00","startTime":556.08,"endTime":556.24,"body":"the"},{"speaker":"SPEAKER_00","startTime":556.24,"endTime":556.48,"body":"same"},{"speaker":"SPEAKER_00","startTime":556.48,"endTime":556.8,"body":"exact"},{"speaker":"SPEAKER_00","startTime":556.8,"endTime":557.2,"body":"probability"},{"speaker":"SPEAKER_00","startTime":557.2,"endTime":557.36,"body":"of"},{"speaker":"SPEAKER_00","startTime":557.36,"endTime":557.68,"body":"success"},{"speaker":"SPEAKER_00","startTime":557.68,"endTime":557.84,"body":"that"},{"speaker":"SPEAKER_00","startTime":557.84,"endTime":558.16,"body":"they"},{"speaker":"SPEAKER_00","startTime":558.16,"endTime":558.4,"body":"had"},{"speaker":"SPEAKER_00","startTime":558.4,"endTime":558.64,"body":"if"},{"speaker":"SPEAKER_00","startTime":558.64,"endTime":558.88,"body":"they"},{"speaker":"SPEAKER_00","startTime":558.88,"endTime":559.04,"body":"had"},{"speaker":"SPEAKER_00","startTime":559.04,"endTime":559.44,"body":"worked"},{"speaker":"SPEAKER_00","startTime":559.44,"endTime":559.76,"body":"three"},{"speaker":"SPEAKER_00","startTime":559.76,"endTime":559.92,"body":"more"},{"speaker":"SPEAKER_00","startTime":559.92,"endTime":560.24,"body":"years."},{"speaker":"SPEAKER_00","startTime":560.4,"endTime":560.56,"body":"So"},{"speaker":"SPEAKER_00","startTime":560.72,"endTime":560.96,"body":"put"},{"speaker":"SPEAKER_00","startTime":560.96,"endTime":561.12,"body":"off"},{"speaker":"SPEAKER_00","startTime":561.12,"endTime":561.52,"body":"retirement"},{"speaker":"SPEAKER_00","startTime":561.52,"endTime":561.68,"body":"from"},{"speaker":"SPEAKER_00","startTime":561.68,"endTime":562.0,"body":"age"},{"speaker":"SPEAKER_00","startTime":562.0,"endTime":562.48,"body":"65"},{"speaker":"SPEAKER_00","startTime":562.48,"endTime":562.64,"body":"to"},{"speaker":"SPEAKER_00","startTime":562.64,"endTime":563.12,"body":"68,"},{"speaker":"SPEAKER_00","startTime":563.28,"endTime":563.36,"body":"or"},{"speaker":"SPEAKER_00","startTime":563.44,"endTime":563.6,"body":"in"},{"speaker":"SPEAKER_00","startTime":563.6,"endTime":563.76,"body":"other"},{"speaker":"SPEAKER_00","startTime":563.76,"endTime":564.0,"body":"words,"},{"speaker":"SPEAKER_00","startTime":564.16,"endTime":564.56,"body":"equal"},{"speaker":"SPEAKER_00","startTime":564.56,"endTime":565.04,"body":"outcomes,"},{"speaker":"SPEAKER_00","startTime":565.28,"endTime":565.68,"body":"equal"},{"speaker":"SPEAKER_00","startTime":565.68,"endTime":566.08,"body":"impact"},{"speaker":"SPEAKER_00","startTime":566.08,"endTime":566.32,"body":"of"},{"speaker":"SPEAKER_00","startTime":566.32,"endTime":566.64,"body":"working"},{"speaker":"SPEAKER_00","startTime":566.64,"endTime":566.8,"body":"for"},{"speaker":"SPEAKER_00","startTime":566.8,"endTime":567.12,"body":"three"},{"speaker":"SPEAKER_00","startTime":567.12,"endTime":567.28,"body":"more"},{"speaker":"SPEAKER_00","startTime":567.28,"endTime":567.44,"body":"years"},{"speaker":"SPEAKER_00","startTime":567.44,"endTime":567.68,"body":"and"},{"speaker":"SPEAKER_00","startTime":567.68,"endTime":567.84,"body":"not"},{"speaker":"SPEAKER_00","startTime":567.84,"endTime":568.4,"body":"retiring"},{"speaker":"SPEAKER_00","startTime":568.56,"endTime":568.96,"body":"versus"},{"speaker":"SPEAKER_00","startTime":568.96,"endTime":569.36,"body":"simply"},{"speaker":"SPEAKER_00","startTime":569.36,"endTime":569.84,"body":"dialing"},{"speaker":"SPEAKER_00","startTime":569.84,"endTime":569.92,"body":"in"},{"speaker":"SPEAKER_00","startTime":570.0,"endTime":570.08,"body":"the"},{"speaker":"SPEAKER_00","startTime":570.08,"endTime":570.32,"body":"budget"},{"speaker":"SPEAKER_00","startTime":570.32,"endTime":570.48,"body":"to"},{"speaker":"SPEAKER_00","startTime":570.48,"endTime":570.56,"body":"say"},{"speaker":"SPEAKER_00","startTime":570.64,"endTime":570.96,"body":"what's"},{"speaker":"SPEAKER_00","startTime":570.96,"endTime":571.04,"body":"a"},{"speaker":"SPEAKER_00","startTime":571.04,"endTime":571.2,"body":"more"},{"speaker":"SPEAKER_00","startTime":571.2,"endTime":571.52,"body":"accurate,"},{"speaker":"SPEAKER_00","startTime":571.6,"endTime":571.92,"body":"what's"},{"speaker":"SPEAKER_00","startTime":571.92,"endTime":572.08,"body":"more"},{"speaker":"SPEAKER_00","startTime":572.08,"endTime":572.64,"body":"realistic"},{"speaker":"SPEAKER_00","startTime":572.64,"endTime":573.28,"body":"assessment"},{"speaker":"SPEAKER_00","startTime":573.28,"endTime":573.44,"body":"of"},{"speaker":"SPEAKER_00","startTime":573.44,"endTime":573.6,"body":"how"},{"speaker":"SPEAKER_00","startTime":573.6,"endTime":573.84,"body":"much"},{"speaker":"SPEAKER_00","startTime":573.84,"endTime":574.0,"body":"we"},{"speaker":"SPEAKER_00","startTime":574.0,"endTime":574.32,"body":"might"},{"speaker":"SPEAKER_00","startTime":574.32,"endTime":574.64,"body":"actually"},{"speaker":"SPEAKER_00","startTime":574.64,"endTime":575.04,"body":"spend."},{"speaker":"SPEAKER_00","startTime":575.28,"endTime":575.44,"body":"Now,"},{"speaker":"SPEAKER_00","startTime":575.52,"endTime":575.92,"body":"here's"},{"speaker":"SPEAKER_00","startTime":575.92,"endTime":576.32,"body":"another"},{"speaker":"SPEAKER_00","startTime":576.32,"endTime":576.8,"body":"thing"},{"speaker":"SPEAKER_00","startTime":576.8,"endTime":577.04,"body":"that"},{"speaker":"SPEAKER_00","startTime":577.04,"endTime":577.2,"body":"could"},{"speaker":"SPEAKER_00","startTime":577.2,"endTime":577.36,"body":"be"},{"speaker":"SPEAKER_00","startTime":577.36,"endTime":577.52,"body":"a"},{"speaker":"SPEAKER_00","startTime":577.52,"endTime":577.92,"body":"potential"},{"speaker":"SPEAKER_00","startTime":577.92,"endTime":578.24,"body":"huge"},{"speaker":"SPEAKER_00","startTime":578.24,"endTime":578.64,"body":"benefit"},{"speaker":"SPEAKER_00","startTime":578.64,"endTime":578.88,"body":"for"},{"speaker":"SPEAKER_00","startTime":578.88,"endTime":579.2,"body":"people's"},{"speaker":"SPEAKER_00","startTime":579.2,"endTime":579.84,"body":"retirement,"},{"speaker":"SPEAKER_00","startTime":580.0,"endTime":580.24,"body":"but"},{"speaker":"SPEAKER_00","startTime":580.24,"endTime":580.56,"body":"isn't"},{"speaker":"SPEAKER_00","startTime":580.56,"endTime":580.88,"body":"always"},{"speaker":"SPEAKER_00","startTime":580.88,"endTime":581.28,"body":"taken"},{"speaker":"SPEAKER_00","startTime":581.28,"endTime":581.52,"body":"into"},{"speaker":"SPEAKER_00","startTime":581.52,"endTime":582.0,"body":"account."},{"speaker":"SPEAKER_00","startTime":582.24,"endTime":582.56,"body":"When"},{"speaker":"SPEAKER_00","startTime":582.56,"endTime":582.8,"body":"you"},{"speaker":"SPEAKER_00","startTime":582.8,"endTime":582.96,"body":"look"},{"speaker":"SPEAKER_00","startTime":582.96,"endTime":583.12,"body":"at"},{"speaker":"SPEAKER_00","startTime":583.12,"endTime":583.28,"body":"these"},{"speaker":"SPEAKER_00","startTime":583.28,"endTime":583.68,"body":"numbers"},{"speaker":"SPEAKER_00","startTime":583.68,"endTime":584.0,"body":"right"},{"speaker":"SPEAKER_00","startTime":584.0,"endTime":584.24,"body":"here,"},{"speaker":"SPEAKER_00","startTime":584.56,"endTime":584.72,"body":"all"},{"speaker":"SPEAKER_00","startTime":584.88,"endTime":585.12,"body":"these"},{"speaker":"SPEAKER_00","startTime":585.12,"endTime":585.44,"body":"numbers"},{"speaker":"SPEAKER_00","startTime":585.44,"endTime":585.68,"body":"are"},{"speaker":"SPEAKER_00","startTime":585.68,"endTime":586.08,"body":"assuming,"},{"speaker":"SPEAKER_00","startTime":586.16,"endTime":586.32,"body":"so"},{"speaker":"SPEAKER_00","startTime":586.32,"endTime":586.48,"body":"let's"},{"speaker":"SPEAKER_00","startTime":586.56,"endTime":586.8,"body":"assume"},{"speaker":"SPEAKER_00","startTime":586.8,"endTime":586.88,"body":"that"},{"speaker":"SPEAKER_00","startTime":587.04,"endTime":587.52,"body":"10,000"},{"speaker":"SPEAKER_00","startTime":587.52,"endTime":587.68,"body":"per"},{"speaker":"SPEAKER_00","startTime":587.68,"endTime":587.92,"body":"month"},{"speaker":"SPEAKER_00","startTime":587.92,"endTime":588.08,"body":"for"},{"speaker":"SPEAKER_00","startTime":588.08,"endTime":588.4,"body":"core"},{"speaker":"SPEAKER_00","startTime":588.4,"endTime":588.72,"body":"living"},{"speaker":"SPEAKER_00","startTime":588.72,"endTime":589.2,"body":"expenses."},{"speaker":"SPEAKER_00","startTime":589.36,"endTime":589.68,"body":"We're"},{"speaker":"SPEAKER_00","startTime":589.68,"endTime":590.08,"body":"assuming"},{"speaker":"SPEAKER_00","startTime":590.08,"endTime":590.16,"body":"that"},{"speaker":"SPEAKER_00","startTime":590.16,"endTime":590.4,"body":"goes"},{"speaker":"SPEAKER_00","startTime":590.4,"endTime":590.48,"body":"up"},{"speaker":"SPEAKER_00","startTime":590.48,"endTime":590.64,"body":"by"},{"speaker":"SPEAKER_00","startTime":590.64,"endTime":591.12,"body":"inflation."},{"speaker":"SPEAKER_00","startTime":591.2,"endTime":591.36,"body":"So"},{"speaker":"SPEAKER_00","startTime":591.52,"endTime":591.76,"body":"3%"},{"speaker":"SPEAKER_00","startTime":592.08,"endTime":592.24,"body":"every"},{"speaker":"SPEAKER_00","startTime":592.24,"endTime":592.48,"body":"single"},{"speaker":"SPEAKER_00","startTime":592.48,"endTime":592.64,"body":"year"},{"speaker":"SPEAKER_00","startTime":592.72,"endTime":592.88,"body":"is"},{"speaker":"SPEAKER_00","startTime":592.88,"endTime":592.96,"body":"the"},{"speaker":"SPEAKER_00","startTime":592.96,"endTime":593.28,"body":"assumption"},{"speaker":"SPEAKER_00","startTime":593.28,"endTime":593.44,"body":"that"},{"speaker":"SPEAKER_00","startTime":593.44,"endTime":593.68,"body":"we're"},{"speaker":"SPEAKER_00","startTime":593.68,"endTime":594.08,"body":"making"},{"speaker":"SPEAKER_00","startTime":594.08,"endTime":594.32,"body":"here."},{"speaker":"SPEAKER_00","startTime":594.64,"endTime":594.96,"body":"In"},{"speaker":"SPEAKER_00","startTime":594.96,"endTime":595.52,"body":"reality,"},{"speaker":"SPEAKER_00","startTime":595.92,"endTime":596.24,"body":"there's"},{"speaker":"SPEAKER_00","startTime":596.24,"endTime":596.56,"body":"something"},{"speaker":"SPEAKER_00","startTime":596.56,"endTime":596.8,"body":"called"},{"speaker":"SPEAKER_00","startTime":596.8,"endTime":596.96,"body":"the"},{"speaker":"SPEAKER_00","startTime":596.96,"endTime":597.52,"body":"retirement"},{"speaker":"SPEAKER_00","startTime":597.52,"endTime":598.0,"body":"spending"},{"speaker":"SPEAKER_00","startTime":598.0,"endTime":598.48,"body":"smile,"},{"speaker":"SPEAKER_00","startTime":598.64,"endTime":598.88,"body":"where"},{"speaker":"SPEAKER_00","startTime":598.88,"endTime":599.04,"body":"the"},{"speaker":"SPEAKER_00","startTime":599.04,"endTime":599.44,"body":"average"},{"speaker":"SPEAKER_00","startTime":599.44,"endTime":600.0,"body":"retiree,"},{"speaker":"SPEAKER_00","startTime":600.32,"endTime":600.48,"body":"you"},{"speaker":"SPEAKER_00","startTime":600.48,"endTime":600.72,"body":"talk"},{"speaker":"SPEAKER_00","startTime":600.72,"endTime":600.88,"body":"about"},{"speaker":"SPEAKER_00","startTime":600.88,"endTime":600.96,"body":"the"},{"speaker":"SPEAKER_00","startTime":600.96,"endTime":601.36,"body":"phases"},{"speaker":"SPEAKER_00","startTime":601.36,"endTime":601.44,"body":"of"},{"speaker":"SPEAKER_00","startTime":601.44,"endTime":601.84,"body":"retirement,"},{"speaker":"SPEAKER_00","startTime":601.92,"endTime":602.08,"body":"the"},{"speaker":"SPEAKER_00","startTime":602.08,"endTime":602.4,"body":"go-go"},{"speaker":"SPEAKER_00","startTime":602.56,"endTime":602.72,"body":"years,"},{"speaker":"SPEAKER_00","startTime":602.8,"endTime":602.88,"body":"the"},{"speaker":"SPEAKER_00","startTime":602.88,"endTime":603.04,"body":"slow"},{"speaker":"SPEAKER_00","startTime":603.12,"endTime":603.36,"body":"go"},{"speaker":"SPEAKER_00","startTime":603.36,"endTime":603.52,"body":"years,"},{"speaker":"SPEAKER_00","startTime":603.6,"endTime":603.68,"body":"the"},{"speaker":"SPEAKER_00","startTime":603.68,"endTime":604.08,"body":"no-go"},{"speaker":"SPEAKER_00","startTime":604.24,"endTime":604.56,"body":"years,"},{"speaker":"SPEAKER_00","startTime":604.72,"endTime":605.2,"body":"they're"},{"speaker":"SPEAKER_00","startTime":605.2,"endTime":605.44,"body":"not"},{"speaker":"SPEAKER_00","startTime":605.44,"endTime":605.68,"body":"as"},{"speaker":"SPEAKER_00","startTime":605.68,"endTime":606.08,"body":"sharp"},{"speaker":"SPEAKER_00","startTime":606.08,"endTime":606.24,"body":"and"},{"speaker":"SPEAKER_00","startTime":606.24,"endTime":606.72,"body":"distinct"},{"speaker":"SPEAKER_00","startTime":606.72,"endTime":606.88,"body":"as"},{"speaker":"SPEAKER_00","startTime":606.88,"endTime":607.04,"body":"that."},{"speaker":"SPEAKER_00","startTime":607.2,"endTime":607.44,"body":"It's"},{"speaker":"SPEAKER_00","startTime":607.44,"endTime":607.6,"body":"not"},{"speaker":"SPEAKER_00","startTime":607.6,"endTime":607.84,"body":"like"},{"speaker":"SPEAKER_00","startTime":607.84,"endTime":608.0,"body":"for"},{"speaker":"SPEAKER_00","startTime":608.0,"endTime":608.08,"body":"a"},{"speaker":"SPEAKER_00","startTime":608.08,"endTime":608.32,"body":"few"},{"speaker":"SPEAKER_00","startTime":608.32,"endTime":608.64,"body":"years"},{"speaker":"SPEAKER_00","startTime":608.72,"endTime":608.88,"body":"your"},{"speaker":"SPEAKER_00","startTime":608.96,"endTime":609.28,"body":"spending"},{"speaker":"SPEAKER_00","startTime":609.28,"endTime":609.52,"body":"is"},{"speaker":"SPEAKER_00","startTime":609.52,"endTime":609.76,"body":"here"},{"speaker":"SPEAKER_00","startTime":609.76,"endTime":609.92,"body":"and"},{"speaker":"SPEAKER_00","startTime":609.92,"endTime":610.08,"body":"then"},{"speaker":"SPEAKER_00","startTime":610.08,"endTime":610.24,"body":"it"},{"speaker":"SPEAKER_00","startTime":610.24,"endTime":610.56,"body":"drops"},{"speaker":"SPEAKER_00","startTime":610.56,"endTime":610.72,"body":"here"},{"speaker":"SPEAKER_00","startTime":610.8,"endTime":610.96,"body":"and"},{"speaker":"SPEAKER_00","startTime":610.96,"endTime":611.04,"body":"then"},{"speaker":"SPEAKER_00","startTime":611.04,"endTime":611.2,"body":"it"},{"speaker":"SPEAKER_00","startTime":611.2,"endTime":611.36,"body":"goes"},{"speaker":"SPEAKER_00","startTime":611.36,"endTime":611.52,"body":"up"},{"speaker":"SPEAKER_00","startTime":611.52,"endTime":611.76,"body":"again"},{"speaker":"SPEAKER_00","startTime":611.76,"endTime":612.0,"body":"because"},{"speaker":"SPEAKER_00","startTime":612.0,"endTime":612.24,"body":"of"},{"speaker":"SPEAKER_00","startTime":612.24,"endTime":612.64,"body":"increased"},{"speaker":"SPEAKER_00","startTime":612.64,"endTime":612.96,"body":"medical"},{"speaker":"SPEAKER_00","startTime":612.96,"endTime":613.44,"body":"expenses."},{"speaker":"SPEAKER_00","startTime":613.6,"endTime":613.84,"body":"It's"},{"speaker":"SPEAKER_00","startTime":613.84,"endTime":614.0,"body":"more"},{"speaker":"SPEAKER_00","startTime":614.0,"endTime":614.16,"body":"of"},{"speaker":"SPEAKER_00","startTime":614.16,"endTime":614.32,"body":"a"},{"speaker":"SPEAKER_00","startTime":614.32,"endTime":614.8,"body":"gradual"},{"speaker":"SPEAKER_00","startTime":614.8,"endTime":615.36,"body":"progression."},{"speaker":"SPEAKER_00","startTime":615.6,"endTime":615.84,"body":"What"},{"speaker":"SPEAKER_00","startTime":615.84,"endTime":616.4,"body":"research"},{"speaker":"SPEAKER_00","startTime":616.4,"endTime":616.72,"body":"actually"},{"speaker":"SPEAKER_00","startTime":616.72,"endTime":617.12,"body":"shows"},{"speaker":"SPEAKER_00","startTime":617.12,"endTime":617.28,"body":"is"},{"speaker":"SPEAKER_00","startTime":617.28,"endTime":617.44,"body":"that"},{"speaker":"SPEAKER_00","startTime":617.44,"endTime":617.68,"body":"it's"},{"speaker":"SPEAKER_00","startTime":617.68,"endTime":617.84,"body":"more"},{"speaker":"SPEAKER_00","startTime":617.84,"endTime":618.0,"body":"of"},{"speaker":"SPEAKER_00","startTime":618.0,"endTime":618.16,"body":"this"},{"speaker":"SPEAKER_00","startTime":618.16,"endTime":618.56,"body":"gradual"},{"speaker":"SPEAKER_00","startTime":618.56,"endTime":619.12,"body":"projection"},{"speaker":"SPEAKER_00","startTime":619.28,"endTime":619.6,"body":"where"},{"speaker":"SPEAKER_00","startTime":619.6,"endTime":619.84,"body":"if"},{"speaker":"SPEAKER_00","startTime":619.84,"endTime":620.48,"body":"inflation's"},{"speaker":"SPEAKER_00","startTime":620.48,"endTime":620.96,"body":"increasing"},{"speaker":"SPEAKER_00","startTime":620.96,"endTime":621.12,"body":"by"},{"speaker":"SPEAKER_00","startTime":621.12,"endTime":621.36,"body":"2%"},{"speaker":"SPEAKER_00","startTime":621.68,"endTime":621.92,"body":"per"},{"speaker":"SPEAKER_00","startTime":621.92,"endTime":622.24,"body":"year,"},{"speaker":"SPEAKER_00","startTime":622.48,"endTime":622.8,"body":"your"},{"speaker":"SPEAKER_00","startTime":622.8,"endTime":623.2,"body":"spending"},{"speaker":"SPEAKER_00","startTime":623.2,"endTime":623.44,"body":"as"},{"speaker":"SPEAKER_00","startTime":623.44,"endTime":623.52,"body":"a"},{"speaker":"SPEAKER_00","startTime":623.52,"endTime":624.08,"body":"retiree"},{"speaker":"SPEAKER_00","startTime":624.24,"endTime":624.4,"body":"is"},{"speaker":"SPEAKER_00","startTime":624.4,"endTime":624.64,"body":"more"},{"speaker":"SPEAKER_00","startTime":624.64,"endTime":624.96,"body":"likely"},{"speaker":"SPEAKER_00","startTime":624.96,"endTime":625.12,"body":"to"},{"speaker":"SPEAKER_00","startTime":625.12,"endTime":625.44,"body":"increase"},{"speaker":"SPEAKER_00","startTime":625.44,"endTime":625.6,"body":"by"},{"speaker":"SPEAKER_00","startTime":625.6,"endTime":625.92,"body":"2%"},{"speaker":"SPEAKER_00","startTime":626.32,"endTime":626.48,"body":"per"},{"speaker":"SPEAKER_00","startTime":626.48,"endTime":626.8,"body":"year"},{"speaker":"SPEAKER_00","startTime":626.88,"endTime":627.04,"body":"if"},{"speaker":"SPEAKER_00","startTime":627.04,"endTime":627.36,"body":"you're"},{"speaker":"SPEAKER_00","startTime":627.36,"endTime":627.52,"body":"that"},{"speaker":"SPEAKER_00","startTime":627.52,"endTime":627.84,"body":"average"},{"speaker":"SPEAKER_00","startTime":627.84,"endTime":628.32,"body":"retiree."},{"speaker":"SPEAKER_00","startTime":628.64,"endTime":628.72,"body":"So"},{"speaker":"SPEAKER_00","startTime":628.8,"endTime":628.96,"body":"you're"},{"speaker":"SPEAKER_00","startTime":628.96,"endTime":629.28,"body":"still"},{"speaker":"SPEAKER_00","startTime":629.28,"endTime":629.52,"body":"giving"},{"speaker":"SPEAKER_00","startTime":629.52,"endTime":629.84,"body":"yourself"},{"speaker":"SPEAKER_00","startTime":629.84,"endTime":630.08,"body":"cost"},{"speaker":"SPEAKER_00","startTime":630.08,"endTime":630.24,"body":"of"},{"speaker":"SPEAKER_00","startTime":630.24,"endTime":630.56,"body":"living"},{"speaker":"SPEAKER_00","startTime":630.56,"endTime":631.04,"body":"adjustments,"},{"speaker":"SPEAKER_00","startTime":631.12,"endTime":631.28,"body":"but"},{"speaker":"SPEAKER_00","startTime":631.28,"endTime":631.44,"body":"as"},{"speaker":"SPEAKER_00","startTime":631.44,"endTime":631.6,"body":"you"},{"speaker":"SPEAKER_00","startTime":631.6,"endTime":631.76,"body":"start"},{"speaker":"SPEAKER_00","startTime":631.76,"endTime":631.92,"body":"to"},{"speaker":"SPEAKER_00","startTime":631.92,"endTime":632.08,"body":"do"},{"speaker":"SPEAKER_00","startTime":632.08,"endTime":632.32,"body":"less"},{"speaker":"SPEAKER_00","startTime":632.32,"endTime":632.4,"body":"and"},{"speaker":"SPEAKER_00","startTime":632.4,"endTime":632.72,"body":"less"},{"speaker":"SPEAKER_00","startTime":632.72,"endTime":632.88,"body":"over"},{"speaker":"SPEAKER_00","startTime":632.88,"endTime":632.96,"body":"the"},{"speaker":"SPEAKER_00","startTime":632.96,"endTime":633.12,"body":"course"},{"speaker":"SPEAKER_00","startTime":633.12,"endTime":633.2,"body":"of"},{"speaker":"SPEAKER_00","startTime":633.2,"endTime":633.36,"body":"your"},{"speaker":"SPEAKER_00","startTime":633.36,"endTime":633.84,"body":"retirement,"},{"speaker":"SPEAKER_00","startTime":634.0,"endTime":634.16,"body":"your"},{"speaker":"SPEAKER_00","startTime":634.16,"endTime":634.72,"body":"spending's"},{"speaker":"SPEAKER_00","startTime":634.72,"endTime":634.88,"body":"not"},{"speaker":"SPEAKER_00","startTime":634.88,"endTime":635.12,"body":"quite"},{"speaker":"SPEAKER_00","startTime":635.12,"endTime":635.6,"body":"keeping"},{"speaker":"SPEAKER_00","startTime":635.6,"endTime":635.84,"body":"up"},{"speaker":"SPEAKER_00","startTime":635.84,"endTime":636.0,"body":"with"},{"speaker":"SPEAKER_00","startTime":636.0,"endTime":636.56,"body":"inflation."},{"speaker":"SPEAKER_00","startTime":636.72,"endTime":636.96,"body":"Not"},{"speaker":"SPEAKER_00","startTime":636.96,"endTime":637.12,"body":"because"},{"speaker":"SPEAKER_00","startTime":637.12,"endTime":637.36,"body":"you're"},{"speaker":"SPEAKER_00","startTime":637.36,"endTime":638.16,"body":"sacrificing,"},{"speaker":"SPEAKER_00","startTime":638.24,"endTime":638.48,"body":"but"},{"speaker":"SPEAKER_00","startTime":638.48,"endTime":638.64,"body":"because"},{"speaker":"SPEAKER_00","startTime":638.64,"endTime":638.8,"body":"you're"},{"speaker":"SPEAKER_00","startTime":638.8,"endTime":638.96,"body":"just"},{"speaker":"SPEAKER_00","startTime":638.96,"endTime":639.2,"body":"not"},{"speaker":"SPEAKER_00","startTime":639.2,"endTime":639.44,"body":"doing"},{"speaker":"SPEAKER_00","startTime":639.44,"endTime":639.68,"body":"as"},{"speaker":"SPEAKER_00","startTime":639.68,"endTime":639.92,"body":"much"},{"speaker":"SPEAKER_00","startTime":639.92,"endTime":640.08,"body":"in"},{"speaker":"SPEAKER_00","startTime":640.08,"endTime":640.24,"body":"your"},{"speaker":"SPEAKER_00","startTime":640.24,"endTime":640.72,"body":"80s"},{"speaker":"SPEAKER_00","startTime":640.72,"endTime":640.88,"body":"as"},{"speaker":"SPEAKER_00","startTime":640.88,"endTime":641.12,"body":"you"},{"speaker":"SPEAKER_00","startTime":641.12,"endTime":641.28,"body":"were"},{"speaker":"SPEAKER_00","startTime":641.28,"endTime":641.44,"body":"in"},{"speaker":"SPEAKER_00","startTime":641.44,"endTime":641.68,"body":"your"},{"speaker":"SPEAKER_00","startTime":641.68,"endTime":642.24,"body":"60s."},{"speaker":"SPEAKER_00","startTime":642.4,"endTime":642.64,"body":"So"},{"speaker":"SPEAKER_00","startTime":642.72,"endTime":642.88,"body":"if"},{"speaker":"SPEAKER_00","startTime":642.88,"endTime":643.04,"body":"we"},{"speaker":"SPEAKER_00","startTime":643.04,"endTime":643.2,"body":"look"},{"speaker":"SPEAKER_00","startTime":643.2,"endTime":643.28,"body":"at"},{"speaker":"SPEAKER_00","startTime":643.28,"endTime":643.44,"body":"that"},{"speaker":"SPEAKER_00","startTime":643.44,"endTime":643.6,"body":"and"},{"speaker":"SPEAKER_00","startTime":643.6,"endTime":643.76,"body":"say,"},{"speaker":"SPEAKER_00","startTime":643.84,"endTime":643.92,"body":"well,"},{"speaker":"SPEAKER_00","startTime":644.08,"endTime":644.24,"body":"what"},{"speaker":"SPEAKER_00","startTime":644.24,"endTime":644.4,"body":"would"},{"speaker":"SPEAKER_00","startTime":644.4,"endTime":644.48,"body":"the"},{"speaker":"SPEAKER_00","startTime":644.48,"endTime":644.96,"body":"impact"},{"speaker":"SPEAKER_00","startTime":644.96,"endTime":645.2,"body":"be"},{"speaker":"SPEAKER_00","startTime":645.2,"endTime":645.44,"body":"of"},{"speaker":"SPEAKER_00","startTime":645.44,"endTime":645.6,"body":"not"},{"speaker":"SPEAKER_00","startTime":645.6,"endTime":645.92,"body":"just"},{"speaker":"SPEAKER_00","startTime":645.92,"endTime":646.64,"body":"adjusting"},{"speaker":"SPEAKER_00","startTime":646.64,"endTime":646.88,"body":"our"},{"speaker":"SPEAKER_00","startTime":646.88,"endTime":647.36,"body":"spending"},{"speaker":"SPEAKER_00","startTime":647.36,"endTime":647.52,"body":"for"},{"speaker":"SPEAKER_00","startTime":647.52,"endTime":648.24,"body":"inflation,"},{"speaker":"SPEAKER_00","startTime":648.48,"endTime":648.72,"body":"but"},{"speaker":"SPEAKER_00","startTime":648.72,"endTime":649.28,"body":"adjusting"},{"speaker":"SPEAKER_00","startTime":649.28,"endTime":649.52,"body":"it"},{"speaker":"SPEAKER_00","startTime":649.52,"endTime":649.76,"body":"based"},{"speaker":"SPEAKER_00","startTime":649.76,"endTime":650.08,"body":"upon"},{"speaker":"SPEAKER_00","startTime":650.08,"endTime":650.24,"body":"this"},{"speaker":"SPEAKER_00","startTime":650.24,"endTime":650.72,"body":"retirement"},{"speaker":"SPEAKER_00","startTime":650.72,"endTime":651.12,"body":"spending"},{"speaker":"SPEAKER_00","startTime":651.12,"endTime":651.44,"body":"smile,"},{"speaker":"SPEAKER_00","startTime":651.6,"endTime":652.16,"body":"increasing"},{"speaker":"SPEAKER_00","startTime":652.16,"endTime":652.4,"body":"spending"},{"speaker":"SPEAKER_00","startTime":652.4,"endTime":652.56,"body":"at"},{"speaker":"SPEAKER_00","startTime":652.56,"endTime":652.8,"body":"2%"},{"speaker":"SPEAKER_00","startTime":653.12,"endTime":653.28,"body":"if"},{"speaker":"SPEAKER_00","startTime":653.28,"endTime":653.76,"body":"inflation"},{"speaker":"SPEAKER_00","startTime":653.76,"endTime":654.24,"body":"increases"},{"speaker":"SPEAKER_00","startTime":654.24,"endTime":654.4,"body":"at"},{"speaker":"SPEAKER_00","startTime":654.4,"endTime":654.72,"body":"three,"},{"speaker":"SPEAKER_00","startTime":655.12,"endTime":655.36,"body":"you"},{"speaker":"SPEAKER_00","startTime":655.36,"endTime":655.6,"body":"can"},{"speaker":"SPEAKER_00","startTime":655.6,"endTime":655.76,"body":"see"},{"speaker":"SPEAKER_00","startTime":655.76,"endTime":655.92,"body":"the"},{"speaker":"SPEAKER_00","startTime":655.92,"endTime":656.32,"body":"probability"},{"speaker":"SPEAKER_00","startTime":656.32,"endTime":656.48,"body":"of"},{"speaker":"SPEAKER_00","startTime":656.48,"endTime":656.88,"body":"success"},{"speaker":"SPEAKER_00","startTime":656.88,"endTime":657.12,"body":"here"},{"speaker":"SPEAKER_00","startTime":657.12,"endTime":657.36,"body":"starts"},{"speaker":"SPEAKER_00","startTime":657.36,"endTime":657.6,"body":"to"},{"speaker":"SPEAKER_00","startTime":657.6,"endTime":657.76,"body":"get"},{"speaker":"SPEAKER_00","startTime":657.76,"endTime":658.24,"body":"pretty"},{"speaker":"SPEAKER_00","startTime":658.24,"endTime":658.72,"body":"high."},{"speaker":"SPEAKER_00","startTime":658.96,"endTime":659.36,"body":"Let's"},{"speaker":"SPEAKER_00","startTime":659.36,"endTime":659.68,"body":"take"},{"speaker":"SPEAKER_00","startTime":659.68,"endTime":659.84,"body":"this"},{"speaker":"SPEAKER_00","startTime":659.84,"endTime":660.0,"body":"one"},{"speaker":"SPEAKER_00","startTime":660.0,"endTime":660.32,"body":"step"},{"speaker":"SPEAKER_00","startTime":660.32,"endTime":660.64,"body":"further."},{"speaker":"SPEAKER_00","startTime":660.88,"endTime":661.12,"body":"We"},{"speaker":"SPEAKER_00","startTime":661.12,"endTime":661.44,"body":"showed"},{"speaker":"SPEAKER_00","startTime":661.44,"endTime":661.6,"body":"that"},{"speaker":"SPEAKER_00","startTime":661.6,"endTime":661.92,"body":"Michael"},{"speaker":"SPEAKER_00","startTime":661.92,"endTime":662.08,"body":"and"},{"speaker":"SPEAKER_00","startTime":662.08,"endTime":662.64,"body":"Lisa"},{"speaker":"SPEAKER_00","startTime":662.64,"endTime":662.8,"body":"have"},{"speaker":"SPEAKER_00","startTime":662.8,"endTime":663.04,"body":"almost"},{"speaker":"SPEAKER_00","startTime":663.04,"endTime":663.2,"body":"a"},{"speaker":"SPEAKER_00","startTime":663.2,"endTime":663.52,"body":"million"},{"speaker":"SPEAKER_00","startTime":663.52,"endTime":663.76,"body":"dollars"},{"speaker":"SPEAKER_00","startTime":663.76,"endTime":663.84,"body":"of"},{"speaker":"SPEAKER_00","startTime":663.84,"endTime":664.24,"body":"equity"},{"speaker":"SPEAKER_00","startTime":664.24,"endTime":664.32,"body":"in"},{"speaker":"SPEAKER_00","startTime":664.32,"endTime":664.48,"body":"their"},{"speaker":"SPEAKER_00","startTime":664.48,"endTime":664.72,"body":"home."},{"speaker":"SPEAKER_00","startTime":664.88,"endTime":665.12,"body":"They've"},{"speaker":"SPEAKER_00","startTime":665.12,"endTime":665.28,"body":"got"},{"speaker":"SPEAKER_00","startTime":665.28,"endTime":665.36,"body":"a"},{"speaker":"SPEAKER_00","startTime":665.36,"endTime":665.6,"body":"great"},{"speaker":"SPEAKER_00","startTime":665.6,"endTime":665.84,"body":"home"},{"speaker":"SPEAKER_00","startTime":665.84,"endTime":666.0,"body":"right"},{"speaker":"SPEAKER_00","startTime":666.0,"endTime":666.08,"body":"now,"},{"speaker":"SPEAKER_00","startTime":666.16,"endTime":666.4,"body":"that's"},{"speaker":"SPEAKER_00","startTime":666.4,"endTime":666.56,"body":"where"},{"speaker":"SPEAKER_00","startTime":666.56,"endTime":666.72,"body":"they"},{"speaker":"SPEAKER_00","startTime":666.72,"endTime":667.04,"body":"raise"},{"speaker":"SPEAKER_00","startTime":667.04,"endTime":667.2,"body":"their"},{"speaker":"SPEAKER_00","startTime":667.2,"endTime":667.52,"body":"family."},{"speaker":"SPEAKER_00","startTime":667.68,"endTime":667.92,"body":"They"},{"speaker":"SPEAKER_00","startTime":667.92,"endTime":668.16,"body":"don't"},{"speaker":"SPEAKER_00","startTime":668.16,"endTime":668.32,"body":"know"},{"speaker":"SPEAKER_00","startTime":668.32,"endTime":668.48,"body":"that"},{"speaker":"SPEAKER_00","startTime":668.48,"endTime":668.72,"body":"they're"},{"speaker":"SPEAKER_00","startTime":668.72,"endTime":668.88,"body":"gonna"},{"speaker":"SPEAKER_00","startTime":668.88,"endTime":669.12,"body":"spend"},{"speaker":"SPEAKER_00","startTime":669.28,"endTime":669.44,"body":"or"},{"speaker":"SPEAKER_00","startTime":669.44,"endTime":669.6,"body":"that"},{"speaker":"SPEAKER_00","startTime":669.6,"endTime":669.76,"body":"they're"},{"speaker":"SPEAKER_00","startTime":669.76,"endTime":670.0,"body":"gonna"},{"speaker":"SPEAKER_00","startTime":670.0,"endTime":670.16,"body":"live"},{"speaker":"SPEAKER_00","startTime":670.16,"endTime":670.32,"body":"there"},{"speaker":"SPEAKER_00","startTime":670.32,"endTime":670.8,"body":"forever."},{"speaker":"SPEAKER_00","startTime":670.96,"endTime":671.12,"body":"In"},{"speaker":"SPEAKER_00","startTime":671.12,"endTime":671.28,"body":"fact,"},{"speaker":"SPEAKER_00","startTime":671.36,"endTime":671.52,"body":"one"},{"speaker":"SPEAKER_00","startTime":671.52,"endTime":671.68,"body":"thing"},{"speaker":"SPEAKER_00","startTime":671.68,"endTime":671.84,"body":"we"},{"speaker":"SPEAKER_00","startTime":671.84,"endTime":672.16,"body":"modeled"},{"speaker":"SPEAKER_00","startTime":672.16,"endTime":672.32,"body":"out"},{"speaker":"SPEAKER_00","startTime":672.32,"endTime":672.48,"body":"is"},{"speaker":"SPEAKER_00","startTime":672.48,"endTime":672.56,"body":"we"},{"speaker":"SPEAKER_00","startTime":672.56,"endTime":672.72,"body":"said,"},{"speaker":"SPEAKER_00","startTime":672.8,"endTime":672.96,"body":"what"},{"speaker":"SPEAKER_00","startTime":672.96,"endTime":673.04,"body":"if"},{"speaker":"SPEAKER_00","startTime":673.04,"endTime":673.12,"body":"you"},{"speaker":"SPEAKER_00","startTime":673.12,"endTime":673.52,"body":"downsize"},{"speaker":"SPEAKER_00","startTime":673.52,"endTime":673.6,"body":"your"},{"speaker":"SPEAKER_00","startTime":673.6,"endTime":673.84,"body":"home"},{"speaker":"SPEAKER_00","startTime":673.84,"endTime":673.92,"body":"at"},{"speaker":"SPEAKER_00","startTime":673.92,"endTime":674.16,"body":"some"},{"speaker":"SPEAKER_00","startTime":674.16,"endTime":674.4,"body":"point?"},{"speaker":"SPEAKER_00","startTime":674.56,"endTime":674.8,"body":"If"},{"speaker":"SPEAKER_00","startTime":674.8,"endTime":674.96,"body":"the"},{"speaker":"SPEAKER_00","startTime":674.96,"endTime":675.28,"body":"value"},{"speaker":"SPEAKER_00","startTime":675.28,"endTime":675.52,"body":"today"},{"speaker":"SPEAKER_00","startTime":675.52,"endTime":675.68,"body":"is"},{"speaker":"SPEAKER_00","startTime":675.68,"endTime":675.92,"body":"about"},{"speaker":"SPEAKER_00","startTime":675.92,"endTime":676.48,"body":"1.1"},{"speaker":"SPEAKER_00","startTime":676.48,"endTime":676.88,"body":"million,"},{"speaker":"SPEAKER_00","startTime":677.04,"endTime":677.28,"body":"what"},{"speaker":"SPEAKER_00","startTime":677.28,"endTime":677.52,"body":"if"},{"speaker":"SPEAKER_00","startTime":677.6,"endTime":677.76,"body":"in"},{"speaker":"SPEAKER_00","startTime":677.76,"endTime":678.0,"body":"about"},{"speaker":"SPEAKER_00","startTime":678.0,"endTime":678.4,"body":"15"},{"speaker":"SPEAKER_00","startTime":678.4,"endTime":678.64,"body":"years"},{"speaker":"SPEAKER_00","startTime":678.8,"endTime":679.04,"body":"you"},{"speaker":"SPEAKER_00","startTime":679.04,"endTime":679.68,"body":"downsize"},{"speaker":"SPEAKER_00","startTime":679.68,"endTime":679.84,"body":"to"},{"speaker":"SPEAKER_00","startTime":679.84,"endTime":680.08,"body":"something"},{"speaker":"SPEAKER_00","startTime":680.08,"endTime":680.32,"body":"that's"},{"speaker":"SPEAKER_00","startTime":680.32,"endTime":680.56,"body":"worth"},{"speaker":"SPEAKER_00","startTime":680.56,"endTime":681.6,"body":"$700,000?"},{"speaker":"SPEAKER_00","startTime":681.76,"endTime":682.0,"body":"So"},{"speaker":"SPEAKER_00","startTime":682.0,"endTime":682.32,"body":"they're"},{"speaker":"SPEAKER_00","startTime":682.32,"endTime":682.8,"body":"62"},{"speaker":"SPEAKER_00","startTime":682.8,"endTime":683.04,"body":"years"},{"speaker":"SPEAKER_00","startTime":683.04,"endTime":683.28,"body":"old"},{"speaker":"SPEAKER_00","startTime":683.28,"endTime":683.44,"body":"today,"},{"speaker":"SPEAKER_00","startTime":683.6,"endTime":683.76,"body":"so"},{"speaker":"SPEAKER_00","startTime":683.76,"endTime":683.84,"body":"this"},{"speaker":"SPEAKER_00","startTime":683.84,"endTime":684.08,"body":"means"},{"speaker":"SPEAKER_00","startTime":684.08,"endTime":684.16,"body":"in"},{"speaker":"SPEAKER_00","startTime":684.16,"endTime":684.32,"body":"their"},{"speaker":"SPEAKER_00","startTime":684.32,"endTime":684.96,"body":"mid-70s,"},{"speaker":"SPEAKER_00","startTime":685.04,"endTime":685.2,"body":"they're"},{"speaker":"SPEAKER_00","startTime":685.2,"endTime":685.92,"body":"downsizing."},{"speaker":"SPEAKER_00","startTime":686.08,"endTime":686.32,"body":"What"},{"speaker":"SPEAKER_00","startTime":686.32,"endTime":686.48,"body":"does"},{"speaker":"SPEAKER_00","startTime":686.48,"endTime":686.72,"body":"that"},{"speaker":"SPEAKER_00","startTime":686.72,"endTime":686.88,"body":"look"},{"speaker":"SPEAKER_00","startTime":686.88,"endTime":687.12,"body":"like?"},{"speaker":"SPEAKER_00","startTime":687.28,"endTime":687.44,"body":"Well,"},{"speaker":"SPEAKER_00","startTime":687.52,"endTime":687.68,"body":"if"},{"speaker":"SPEAKER_00","startTime":687.68,"endTime":687.84,"body":"we"},{"speaker":"SPEAKER_00","startTime":687.84,"endTime":688.4,"body":"illustrate"},{"speaker":"SPEAKER_00","startTime":688.4,"endTime":688.56,"body":"that,"},{"speaker":"SPEAKER_00","startTime":688.72,"endTime":688.96,"body":"what"},{"speaker":"SPEAKER_00","startTime":688.96,"endTime":689.12,"body":"we're"},{"speaker":"SPEAKER_00","startTime":689.12,"endTime":689.28,"body":"gonna"},{"speaker":"SPEAKER_00","startTime":689.28,"endTime":689.52,"body":"see"},{"speaker":"SPEAKER_00","startTime":689.52,"endTime":689.68,"body":"is"},{"speaker":"SPEAKER_00","startTime":689.68,"endTime":689.84,"body":"it's"},{"speaker":"SPEAKER_00","startTime":689.84,"endTime":690.0,"body":"going"},{"speaker":"SPEAKER_00","startTime":690.0,"endTime":690.08,"body":"to"},{"speaker":"SPEAKER_00","startTime":690.08,"endTime":690.24,"body":"have"},{"speaker":"SPEAKER_00","startTime":690.24,"endTime":690.32,"body":"a"},{"speaker":"SPEAKER_00","startTime":690.32,"endTime":690.72,"body":"pretty"},{"speaker":"SPEAKER_00","startTime":690.72,"endTime":691.2,"body":"significant"},{"speaker":"SPEAKER_00","startTime":691.2,"endTime":691.68,"body":"impact"},{"speaker":"SPEAKER_00","startTime":691.68,"endTime":691.84,"body":"on"},{"speaker":"SPEAKER_00","startTime":691.84,"endTime":692.08,"body":"their"},{"speaker":"SPEAKER_00","startTime":692.08,"endTime":692.32,"body":"plan."},{"speaker":"SPEAKER_00","startTime":692.4,"endTime":692.56,"body":"You"},{"speaker":"SPEAKER_00","startTime":692.56,"endTime":692.8,"body":"can"},{"speaker":"SPEAKER_00","startTime":692.8,"endTime":692.96,"body":"see"},{"speaker":"SPEAKER_00","startTime":692.96,"endTime":693.12,"body":"how"},{"speaker":"SPEAKER_00","startTime":693.12,"endTime":693.76,"body":"dramatically"},{"speaker":"SPEAKER_00","startTime":693.76,"endTime":693.92,"body":"their"},{"speaker":"SPEAKER_00","startTime":693.92,"endTime":694.32,"body":"probability"},{"speaker":"SPEAKER_00","startTime":694.32,"endTime":694.48,"body":"of"},{"speaker":"SPEAKER_00","startTime":694.48,"endTime":694.88,"body":"success"},{"speaker":"SPEAKER_00","startTime":694.88,"endTime":695.04,"body":"has"},{"speaker":"SPEAKER_00","startTime":695.04,"endTime":695.76,"body":"increased"},{"speaker":"SPEAKER_00","startTime":695.92,"endTime":696.56,"body":"without"},{"speaker":"SPEAKER_00","startTime":696.56,"endTime":696.88,"body":"that"},{"speaker":"SPEAKER_00","startTime":696.88,"endTime":697.12,"body":"much"},{"speaker":"SPEAKER_00","startTime":697.12,"endTime":697.36,"body":"of"},{"speaker":"SPEAKER_00","startTime":697.36,"endTime":697.6,"body":"a"},{"speaker":"SPEAKER_00","startTime":697.6,"endTime":698.0,"body":"change."},{"speaker":"SPEAKER_00","startTime":698.16,"endTime":698.56,"body":"It's"},{"speaker":"SPEAKER_00","startTime":698.56,"endTime":698.96,"body":"simply"},{"speaker":"SPEAKER_00","startTime":698.96,"endTime":699.12,"body":"more"},{"speaker":"SPEAKER_00","startTime":699.12,"endTime":699.76,"body":"accurate"},{"speaker":"SPEAKER_00","startTime":699.76,"endTime":700.48,"body":"input"},{"speaker":"SPEAKER_00","startTime":700.48,"endTime":700.72,"body":"into"},{"speaker":"SPEAKER_00","startTime":700.72,"endTime":700.96,"body":"what"},{"speaker":"SPEAKER_00","startTime":700.96,"endTime":701.28,"body":"we're"},{"speaker":"SPEAKER_00","startTime":701.28,"endTime":701.84,"body":"planning"},{"speaker":"SPEAKER_00","startTime":701.84,"endTime":702.08,"body":"for."},{"speaker":"SPEAKER_00","startTime":702.32,"endTime":702.48,"body":"So"},{"speaker":"SPEAKER_00","startTime":702.56,"endTime":702.72,"body":"this"},{"speaker":"SPEAKER_00","startTime":702.72,"endTime":702.8,"body":"is"},{"speaker":"SPEAKER_00","startTime":702.8,"endTime":702.96,"body":"a"},{"speaker":"SPEAKER_00","startTime":702.96,"endTime":703.12,"body":"point"},{"speaker":"SPEAKER_00","startTime":703.12,"endTime":703.2,"body":"that"},{"speaker":"SPEAKER_00","startTime":703.2,"endTime":703.36,"body":"I"},{"speaker":"SPEAKER_00","startTime":703.36,"endTime":703.52,"body":"want"},{"speaker":"SPEAKER_00","startTime":703.52,"endTime":703.6,"body":"to"},{"speaker":"SPEAKER_00","startTime":703.6,"endTime":704.08,"body":"illustrate."},{"speaker":"SPEAKER_00","startTime":704.24,"endTime":704.56,"body":"Going"},{"speaker":"SPEAKER_00","startTime":704.56,"endTime":704.8,"body":"back"},{"speaker":"SPEAKER_00","startTime":704.8,"endTime":704.96,"body":"to"},{"speaker":"SPEAKER_00","startTime":704.96,"endTime":705.2,"body":"those"},{"speaker":"SPEAKER_00","startTime":705.2,"endTime":705.28,"body":"of"},{"speaker":"SPEAKER_00","startTime":705.28,"endTime":705.44,"body":"you"},{"speaker":"SPEAKER_00","startTime":705.44,"endTime":705.6,"body":"who"},{"speaker":"SPEAKER_00","startTime":705.6,"endTime":705.76,"body":"are"},{"speaker":"SPEAKER_00","startTime":705.76,"endTime":705.92,"body":"in"},{"speaker":"SPEAKER_00","startTime":705.92,"endTime":706.08,"body":"your"},{"speaker":"SPEAKER_00","startTime":706.08,"endTime":706.4,"body":"early"},{"speaker":"SPEAKER_00","startTime":706.4,"endTime":706.8,"body":"60s"},{"speaker":"SPEAKER_00","startTime":706.8,"endTime":706.96,"body":"with"},{"speaker":"SPEAKER_00","startTime":706.96,"endTime":707.04,"body":"a"},{"speaker":"SPEAKER_00","startTime":707.04,"endTime":707.2,"body":"couple"},{"speaker":"SPEAKER_00","startTime":707.28,"endTime":707.6,"body":"million"},{"speaker":"SPEAKER_00","startTime":707.6,"endTime":707.92,"body":"dollars,"},{"speaker":"SPEAKER_00","startTime":708.16,"endTime":708.32,"body":"can"},{"speaker":"SPEAKER_00","startTime":708.32,"endTime":708.48,"body":"you"},{"speaker":"SPEAKER_00","startTime":708.48,"endTime":708.96,"body":"retire?"},{"speaker":"SPEAKER_00","startTime":709.2,"endTime":709.36,"body":"The"},{"speaker":"SPEAKER_00","startTime":709.36,"endTime":709.6,"body":"answer"},{"speaker":"SPEAKER_00","startTime":709.68,"endTime":710.0,"body":"almost"},{"speaker":"SPEAKER_00","startTime":710.0,"endTime":710.24,"body":"certainly"},{"speaker":"SPEAKER_00","startTime":710.32,"endTime":710.56,"body":"is"},{"speaker":"SPEAKER_00","startTime":710.56,"endTime":710.88,"body":"yes."},{"speaker":"SPEAKER_00","startTime":711.04,"endTime":711.2,"body":"The"},{"speaker":"SPEAKER_00","startTime":711.2,"endTime":711.52,"body":"bigger"},{"speaker":"SPEAKER_00","startTime":711.52,"endTime":711.84,"body":"question"},{"speaker":"SPEAKER_00","startTime":711.84,"endTime":712.0,"body":"is"},{"speaker":"SPEAKER_00","startTime":712.16,"endTime":712.48,"body":"on"},{"speaker":"SPEAKER_00","startTime":712.48,"endTime":712.72,"body":"how"},{"speaker":"SPEAKER_00","startTime":712.72,"endTime":712.96,"body":"much?"},{"speaker":"SPEAKER_00","startTime":713.12,"endTime":713.36,"body":"How"},{"speaker":"SPEAKER_00","startTime":713.36,"endTime":713.6,"body":"much"},{"speaker":"SPEAKER_00","startTime":713.6,"endTime":713.76,"body":"can"},{"speaker":"SPEAKER_00","startTime":713.76,"endTime":713.92,"body":"you"},{"speaker":"SPEAKER_00","startTime":713.92,"endTime":714.24,"body":"spend?"},{"speaker":"SPEAKER_00","startTime":714.4,"endTime":714.64,"body":"What"},{"speaker":"SPEAKER_00","startTime":714.64,"endTime":714.8,"body":"do"},{"speaker":"SPEAKER_00","startTime":714.8,"endTime":714.88,"body":"you"},{"speaker":"SPEAKER_00","startTime":714.88,"endTime":715.04,"body":"want"},{"speaker":"SPEAKER_00","startTime":715.04,"endTime":715.12,"body":"your"},{"speaker":"SPEAKER_00","startTime":715.12,"endTime":715.68,"body":"lifestyle"},{"speaker":"SPEAKER_00","startTime":715.68,"endTime":715.84,"body":"to"},{"speaker":"SPEAKER_00","startTime":715.84,"endTime":716.0,"body":"look"},{"speaker":"SPEAKER_00","startTime":716.0,"endTime":716.16,"body":"like?"},{"speaker":"SPEAKER_00","startTime":716.32,"endTime":716.8,"body":"Depending"},{"speaker":"SPEAKER_00","startTime":716.8,"endTime":716.96,"body":"on"},{"speaker":"SPEAKER_00","startTime":716.96,"endTime":717.12,"body":"where"},{"speaker":"SPEAKER_00","startTime":717.12,"endTime":717.28,"body":"you"},{"speaker":"SPEAKER_00","startTime":717.28,"endTime":717.44,"body":"are"},{"speaker":"SPEAKER_00","startTime":717.44,"endTime":717.52,"body":"in"},{"speaker":"SPEAKER_00","startTime":717.52,"endTime":717.6,"body":"the"},{"speaker":"SPEAKER_00","startTime":717.6,"endTime":717.84,"body":"country,"},{"speaker":"SPEAKER_00","startTime":718.0,"endTime":718.4,"body":"depending"},{"speaker":"SPEAKER_00","startTime":718.4,"endTime":718.64,"body":"upon"},{"speaker":"SPEAKER_00","startTime":718.64,"endTime":718.8,"body":"your"},{"speaker":"SPEAKER_00","startTime":718.8,"endTime":719.12,"body":"needs"},{"speaker":"SPEAKER_00","startTime":719.12,"endTime":719.2,"body":"and"},{"speaker":"SPEAKER_00","startTime":719.2,"endTime":719.36,"body":"your"},{"speaker":"SPEAKER_00","startTime":719.36,"endTime":719.84,"body":"desires,"},{"speaker":"SPEAKER_00","startTime":720.0,"endTime":720.16,"body":"that"},{"speaker":"SPEAKER_00","startTime":720.16,"endTime":720.32,"body":"could"},{"speaker":"SPEAKER_00","startTime":720.32,"endTime":720.4,"body":"be"},{"speaker":"SPEAKER_00","startTime":720.4,"endTime":720.56,"body":"a"},{"speaker":"SPEAKER_00","startTime":720.56,"endTime":720.72,"body":"very"},{"speaker":"SPEAKER_00","startTime":720.72,"endTime":720.96,"body":"low"},{"speaker":"SPEAKER_00","startTime":720.96,"endTime":721.2,"body":"number,"},{"speaker":"SPEAKER_00","startTime":721.28,"endTime":721.44,"body":"that"},{"speaker":"SPEAKER_00","startTime":721.44,"endTime":721.6,"body":"could"},{"speaker":"SPEAKER_00","startTime":721.6,"endTime":721.68,"body":"be"},{"speaker":"SPEAKER_00","startTime":721.68,"endTime":721.76,"body":"a"},{"speaker":"SPEAKER_00","startTime":721.76,"endTime":721.92,"body":"very"},{"speaker":"SPEAKER_00","startTime":721.92,"endTime":722.24,"body":"high"},{"speaker":"SPEAKER_00","startTime":722.24,"endTime":722.56,"body":"number."},{"speaker":"SPEAKER_00","startTime":722.72,"endTime":722.96,"body":"So"},{"speaker":"SPEAKER_00","startTime":723.04,"endTime":723.12,"body":"the"},{"speaker":"SPEAKER_00","startTime":723.12,"endTime":723.52,"body":"question"},{"speaker":"SPEAKER_00","startTime":723.52,"endTime":723.6,"body":"is"},{"speaker":"SPEAKER_00","startTime":723.76,"endTime":724.0,"body":"it"},{"speaker":"SPEAKER_00","startTime":724.0,"endTime":724.48,"body":"depends."},{"speaker":"SPEAKER_00","startTime":724.56,"endTime":724.72,"body":"But"},{"speaker":"SPEAKER_00","startTime":724.72,"endTime":724.88,"body":"what"},{"speaker":"SPEAKER_00","startTime":724.88,"endTime":725.04,"body":"you"},{"speaker":"SPEAKER_00","startTime":725.04,"endTime":725.2,"body":"must"},{"speaker":"SPEAKER_00","startTime":725.2,"endTime":725.52,"body":"understand"},{"speaker":"SPEAKER_00","startTime":725.52,"endTime":725.68,"body":"is"},{"speaker":"SPEAKER_00","startTime":725.76,"endTime":725.92,"body":"what"},{"speaker":"SPEAKER_00","startTime":725.92,"endTime":726.08,"body":"does"},{"speaker":"SPEAKER_00","startTime":726.08,"endTime":726.24,"body":"your"},{"speaker":"SPEAKER_00","startTime":726.24,"endTime":726.56,"body":"cash"},{"speaker":"SPEAKER_00","startTime":726.56,"endTime":726.88,"body":"flow"},{"speaker":"SPEAKER_00","startTime":726.88,"endTime":727.12,"body":"look"},{"speaker":"SPEAKER_00","startTime":727.12,"endTime":727.36,"body":"like?"},{"speaker":"SPEAKER_00","startTime":727.6,"endTime":727.84,"body":"How"},{"speaker":"SPEAKER_00","startTime":727.84,"endTime":728.0,"body":"do"},{"speaker":"SPEAKER_00","startTime":728.0,"endTime":728.16,"body":"you"},{"speaker":"SPEAKER_00","startTime":728.16,"endTime":728.56,"body":"convert"},{"speaker":"SPEAKER_00","startTime":728.56,"endTime":728.8,"body":"that"},{"speaker":"SPEAKER_00","startTime":728.8,"endTime":729.44,"body":"portfolio"},{"speaker":"SPEAKER_00","startTime":729.44,"endTime":729.84,"body":"value"},{"speaker":"SPEAKER_00","startTime":729.84,"endTime":730.08,"body":"into"},{"speaker":"SPEAKER_00","startTime":730.08,"endTime":730.24,"body":"an"},{"speaker":"SPEAKER_00","startTime":730.24,"endTime":730.64,"body":"income"},{"speaker":"SPEAKER_00","startTime":730.64,"endTime":731.04,"body":"stream?"},{"speaker":"SPEAKER_00","startTime":731.2,"endTime":731.36,"body":"How"},{"speaker":"SPEAKER_00","startTime":731.36,"endTime":731.52,"body":"do"},{"speaker":"SPEAKER_00","startTime":731.52,"endTime":731.6,"body":"you"},{"speaker":"SPEAKER_00","startTime":731.6,"endTime":731.76,"body":"take"},{"speaker":"SPEAKER_00","startTime":731.76,"endTime":731.92,"body":"that"},{"speaker":"SPEAKER_00","startTime":731.92,"endTime":732.4,"body":"portfolio"},{"speaker":"SPEAKER_00","startTime":732.4,"endTime":732.48,"body":"and"},{"speaker":"SPEAKER_00","startTime":732.56,"endTime":732.8,"body":"understand"},{"speaker":"SPEAKER_00","startTime":732.88,"endTime":732.96,"body":"what"},{"speaker":"SPEAKER_00","startTime":733.04,"endTime":733.2,"body":"can"},{"speaker":"SPEAKER_00","startTime":733.2,"endTime":733.36,"body":"this"},{"speaker":"SPEAKER_00","startTime":733.44,"endTime":733.68,"body":"create"},{"speaker":"SPEAKER_00","startTime":733.68,"endTime":733.84,"body":"an"},{"speaker":"SPEAKER_00","startTime":733.84,"endTime":734.16,"body":"income,"},{"speaker":"SPEAKER_00","startTime":734.32,"endTime":734.48,"body":"and"},{"speaker":"SPEAKER_00","startTime":734.48,"endTime":734.64,"body":"how"},{"speaker":"SPEAKER_00","startTime":734.64,"endTime":734.8,"body":"does"},{"speaker":"SPEAKER_00","startTime":734.8,"endTime":734.96,"body":"that"},{"speaker":"SPEAKER_00","startTime":734.96,"endTime":735.44,"body":"compare"},{"speaker":"SPEAKER_00","startTime":735.44,"endTime":735.6,"body":"to"},{"speaker":"SPEAKER_00","startTime":735.6,"endTime":735.76,"body":"the"},{"speaker":"SPEAKER_00","startTime":735.76,"endTime":736.32,"body":"expenses"},{"speaker":"SPEAKER_00","startTime":736.32,"endTime":736.56,"body":"that"},{"speaker":"SPEAKER_00","startTime":736.56,"endTime":736.72,"body":"I"},{"speaker":"SPEAKER_00","startTime":736.72,"endTime":736.96,"body":"have?"},{"speaker":"SPEAKER_00","startTime":737.12,"endTime":737.36,"body":"Take"},{"speaker":"SPEAKER_00","startTime":737.36,"endTime":737.52,"body":"it"},{"speaker":"SPEAKER_00","startTime":737.52,"endTime":737.6,"body":"a"},{"speaker":"SPEAKER_00","startTime":737.6,"endTime":737.76,"body":"step"},{"speaker":"SPEAKER_00","startTime":737.76,"endTime":738.0,"body":"further"},{"speaker":"SPEAKER_00","startTime":738.08,"endTime":738.24,"body":"to"},{"speaker":"SPEAKER_00","startTime":738.24,"endTime":738.4,"body":"where"},{"speaker":"SPEAKER_00","startTime":738.4,"endTime":738.48,"body":"you"},{"speaker":"SPEAKER_00","startTime":738.48,"endTime":738.72,"body":"should"},{"speaker":"SPEAKER_00","startTime":738.72,"endTime":738.96,"body":"actually"},{"speaker":"SPEAKER_00","startTime":738.96,"endTime":739.04,"body":"be"},{"speaker":"SPEAKER_00","startTime":739.04,"endTime":739.36,"body":"thinking,"},{"speaker":"SPEAKER_00","startTime":739.52,"endTime":739.68,"body":"how"},{"speaker":"SPEAKER_00","startTime":739.68,"endTime":739.84,"body":"do"},{"speaker":"SPEAKER_00","startTime":739.84,"endTime":739.92,"body":"I"},{"speaker":"SPEAKER_00","startTime":739.92,"endTime":740.24,"body":"treat"},{"speaker":"SPEAKER_00","startTime":740.24,"endTime":740.32,"body":"the"},{"speaker":"SPEAKER_00","startTime":740.32,"endTime":740.64,"body":"income"},{"speaker":"SPEAKER_00","startTime":740.64,"endTime":740.8,"body":"from"},{"speaker":"SPEAKER_00","startTime":740.8,"endTime":740.96,"body":"my"},{"speaker":"SPEAKER_00","startTime":740.96,"endTime":741.44,"body":"portfolio"},{"speaker":"SPEAKER_00","startTime":741.44,"endTime":741.6,"body":"as"},{"speaker":"SPEAKER_00","startTime":741.6,"endTime":741.76,"body":"just"},{"speaker":"SPEAKER_00","startTime":741.76,"endTime":742.0,"body":"one"},{"speaker":"SPEAKER_00","startTime":742.0,"endTime":742.32,"body":"income"},{"speaker":"SPEAKER_00","startTime":742.32,"endTime":742.64,"body":"source"},{"speaker":"SPEAKER_00","startTime":742.72,"endTime":743.12,"body":"stacked"},{"speaker":"SPEAKER_00","startTime":743.12,"endTime":743.28,"body":"on"},{"speaker":"SPEAKER_00","startTime":743.28,"endTime":743.44,"body":"top"},{"speaker":"SPEAKER_00","startTime":743.44,"endTime":743.68,"body":"of"},{"speaker":"SPEAKER_00","startTime":743.68,"endTime":743.76,"body":"social"},{"speaker":"SPEAKER_00","startTime":743.92,"endTime":744.32,"body":"security,"},{"speaker":"SPEAKER_00","startTime":744.48,"endTime":744.88,"body":"stacked"},{"speaker":"SPEAKER_00","startTime":744.88,"endTime":744.96,"body":"on"},{"speaker":"SPEAKER_00","startTime":744.96,"endTime":745.2,"body":"top"},{"speaker":"SPEAKER_00","startTime":745.2,"endTime":745.36,"body":"of"},{"speaker":"SPEAKER_00","startTime":745.36,"endTime":746.0,"body":"potential"},{"speaker":"SPEAKER_00","startTime":746.0,"endTime":746.48,"body":"rental"},{"speaker":"SPEAKER_00","startTime":746.48,"endTime":746.88,"body":"income,"},{"speaker":"SPEAKER_00","startTime":747.04,"endTime":747.52,"body":"pension,"},{"speaker":"SPEAKER_00","startTime":747.68,"endTime":748.16,"body":"whatever"},{"speaker":"SPEAKER_00","startTime":748.16,"endTime":748.4,"body":"other"},{"speaker":"SPEAKER_00","startTime":748.4,"endTime":748.8,"body":"income"},{"speaker":"SPEAKER_00","startTime":748.8,"endTime":749.2,"body":"sources"},{"speaker":"SPEAKER_00","startTime":749.2,"endTime":749.36,"body":"you"},{"speaker":"SPEAKER_00","startTime":749.36,"endTime":749.44,"body":"have,"},{"speaker":"SPEAKER_00","startTime":749.6,"endTime":749.76,"body":"to"},{"speaker":"SPEAKER_00","startTime":749.76,"endTime":749.92,"body":"say"},{"speaker":"SPEAKER_00","startTime":750.0,"endTime":750.16,"body":"how"},{"speaker":"SPEAKER_00","startTime":750.16,"endTime":750.32,"body":"do"},{"speaker":"SPEAKER_00","startTime":750.32,"endTime":750.48,"body":"these"},{"speaker":"SPEAKER_00","startTime":750.48,"endTime":750.8,"body":"total"},{"speaker":"SPEAKER_00","startTime":750.8,"endTime":751.12,"body":"income"},{"speaker":"SPEAKER_00","startTime":751.12,"endTime":751.6,"body":"sources"},{"speaker":"SPEAKER_00","startTime":751.6,"endTime":752.16,"body":"compare"},{"speaker":"SPEAKER_00","startTime":752.16,"endTime":752.32,"body":"to"},{"speaker":"SPEAKER_00","startTime":752.32,"endTime":752.48,"body":"these"},{"speaker":"SPEAKER_00","startTime":752.48,"endTime":752.8,"body":"total"},{"speaker":"SPEAKER_00","startTime":752.8,"endTime":753.36,"body":"expenses?"},{"speaker":"SPEAKER_00","startTime":753.6,"endTime":753.76,"body":"And"},{"speaker":"SPEAKER_00","startTime":753.76,"endTime":754.0,"body":"how"},{"speaker":"SPEAKER_00","startTime":754.0,"endTime":754.24,"body":"might"},{"speaker":"SPEAKER_00","startTime":754.24,"endTime":754.4,"body":"these"},{"speaker":"SPEAKER_00","startTime":754.4,"endTime":754.72,"body":"total"},{"speaker":"SPEAKER_00","startTime":754.72,"endTime":755.28,"body":"expenses"},{"speaker":"SPEAKER_00","startTime":755.28,"endTime":755.6,"body":"change"},{"speaker":"SPEAKER_00","startTime":755.6,"endTime":756.0,"body":"throughout"},{"speaker":"SPEAKER_00","startTime":756.0,"endTime":756.16,"body":"my"},{"speaker":"SPEAKER_00","startTime":756.16,"endTime":756.64,"body":"retirement"},{"speaker":"SPEAKER_00","startTime":756.8,"endTime":756.96,"body":"if"},{"speaker":"SPEAKER_00","startTime":756.96,"endTime":757.2,"body":"I"},{"speaker":"SPEAKER_00","startTime":757.2,"endTime":757.6,"body":"travel"},{"speaker":"SPEAKER_00","startTime":757.6,"endTime":757.84,"body":"more"},{"speaker":"SPEAKER_00","startTime":757.84,"endTime":758.0,"body":"or"},{"speaker":"SPEAKER_00","startTime":758.0,"endTime":758.24,"body":"less"},{"speaker":"SPEAKER_00","startTime":758.24,"endTime":758.4,"body":"at"},{"speaker":"SPEAKER_00","startTime":758.4,"endTime":758.56,"body":"the"},{"speaker":"SPEAKER_00","startTime":758.56,"endTime":759.12,"body":"beginning,"},{"speaker":"SPEAKER_00","startTime":759.28,"endTime":759.44,"body":"if"},{"speaker":"SPEAKER_00","startTime":759.44,"endTime":759.6,"body":"I"},{"speaker":"SPEAKER_00","startTime":759.6,"endTime":759.84,"body":"start"},{"speaker":"SPEAKER_00","startTime":759.84,"endTime":760.0,"body":"to"},{"speaker":"SPEAKER_00","startTime":760.0,"endTime":760.32,"body":"spend"},{"speaker":"SPEAKER_00","startTime":760.32,"endTime":760.56,"body":"less"},{"speaker":"SPEAKER_00","startTime":760.56,"endTime":760.72,"body":"as"},{"speaker":"SPEAKER_00","startTime":760.72,"endTime":760.88,"body":"I"},{"speaker":"SPEAKER_00","startTime":760.88,"endTime":761.28,"body":"age,"},{"speaker":"SPEAKER_00","startTime":761.44,"endTime":761.68,"body":"if"},{"speaker":"SPEAKER_00","startTime":761.68,"endTime":761.84,"body":"I"},{"speaker":"SPEAKER_00","startTime":761.84,"endTime":762.0,"body":"have"},{"speaker":"SPEAKER_00","startTime":762.0,"endTime":762.4,"body":"goals"},{"speaker":"SPEAKER_00","startTime":762.4,"endTime":762.64,"body":"that"},{"speaker":"SPEAKER_00","startTime":762.64,"endTime":762.96,"body":"maybe"},{"speaker":"SPEAKER_00","startTime":762.96,"endTime":763.36,"body":"aren't"},{"speaker":"SPEAKER_00","startTime":763.36,"endTime":764.0,"body":"consistent,"},{"speaker":"SPEAKER_00","startTime":764.08,"endTime":764.32,"body":"but"},{"speaker":"SPEAKER_00","startTime":764.32,"endTime":764.64,"body":"maybe"},{"speaker":"SPEAKER_00","startTime":764.64,"endTime":764.72,"body":"I"},{"speaker":"SPEAKER_00","startTime":764.72,"endTime":764.88,"body":"want"},{"speaker":"SPEAKER_00","startTime":764.88,"endTime":765.04,"body":"to"},{"speaker":"SPEAKER_00","startTime":765.04,"endTime":765.36,"body":"support"},{"speaker":"SPEAKER_00","startTime":765.36,"endTime":765.52,"body":"a"},{"speaker":"SPEAKER_00","startTime":765.52,"endTime":766.0,"body":"child's"},{"speaker":"SPEAKER_00","startTime":766.0,"endTime":766.64,"body":"education"},{"speaker":"SPEAKER_00","startTime":766.64,"endTime":766.88,"body":"or"},{"speaker":"SPEAKER_00","startTime":766.88,"endTime":767.28,"body":"wedding"},{"speaker":"SPEAKER_00","startTime":767.36,"endTime":767.52,"body":"or"},{"speaker":"SPEAKER_00","startTime":767.52,"endTime":768.08,"body":"grandchildren"},{"speaker":"SPEAKER_00","startTime":768.16,"endTime":768.32,"body":"or"},{"speaker":"SPEAKER_00","startTime":768.32,"endTime":768.56,"body":"whatever"},{"speaker":"SPEAKER_00","startTime":768.56,"endTime":768.72,"body":"that"},{"speaker":"SPEAKER_00","startTime":768.72,"endTime":769.04,"body":"might"},{"speaker":"SPEAKER_00","startTime":769.04,"endTime":769.28,"body":"be."},{"speaker":"SPEAKER_00","startTime":769.52,"endTime":769.76,"body":"When"},{"speaker":"SPEAKER_00","startTime":769.76,"endTime":770.0,"body":"you"},{"speaker":"SPEAKER_00","startTime":770.0,"endTime":770.16,"body":"can"},{"speaker":"SPEAKER_00","startTime":770.16,"endTime":770.48,"body":"build"},{"speaker":"SPEAKER_00","startTime":770.48,"endTime":770.8,"body":"a"},{"speaker":"SPEAKER_00","startTime":770.8,"endTime":771.12,"body":"plan"},{"speaker":"SPEAKER_00","startTime":771.28,"endTime":771.52,"body":"that"},{"speaker":"SPEAKER_00","startTime":771.52,"endTime":771.92,"body":"shows"},{"speaker":"SPEAKER_00","startTime":771.92,"endTime":772.08,"body":"you"},{"speaker":"SPEAKER_00","startTime":772.08,"endTime":772.32,"body":"how"},{"speaker":"SPEAKER_00","startTime":772.32,"endTime":772.56,"body":"much"},{"speaker":"SPEAKER_00","startTime":772.56,"endTime":772.72,"body":"your"},{"speaker":"SPEAKER_00","startTime":772.72,"endTime":773.28,"body":"portfolio"},{"speaker":"SPEAKER_00","startTime":773.28,"endTime":773.36,"body":"can"},{"speaker":"SPEAKER_00","startTime":773.36,"endTime":773.6,"body":"create"},{"speaker":"SPEAKER_00","startTime":773.6,"endTime":773.76,"body":"in"},{"speaker":"SPEAKER_00","startTime":773.76,"endTime":774.16,"body":"income"},{"speaker":"SPEAKER_00","startTime":774.24,"endTime":774.4,"body":"and"},{"speaker":"SPEAKER_00","startTime":774.4,"endTime":774.64,"body":"how"},{"speaker":"SPEAKER_00","startTime":774.64,"endTime":774.8,"body":"that"},{"speaker":"SPEAKER_00","startTime":774.8,"endTime":775.2,"body":"compares"},{"speaker":"SPEAKER_00","startTime":775.44,"endTime":775.6,"body":"to"},{"speaker":"SPEAKER_00","startTime":775.6,"endTime":775.76,"body":"the"},{"speaker":"SPEAKER_00","startTime":775.76,"endTime":776.08,"body":"actual"},{"speaker":"SPEAKER_00","startTime":776.08,"endTime":776.72,"body":"expenses"},{"speaker":"SPEAKER_00","startTime":776.72,"endTime":776.96,"body":"you"},{"speaker":"SPEAKER_00","startTime":776.96,"endTime":777.36,"body":"personally"},{"speaker":"SPEAKER_00","startTime":777.36,"endTime":777.52,"body":"want"},{"speaker":"SPEAKER_00","startTime":777.52,"endTime":777.6,"body":"to"},{"speaker":"SPEAKER_00","startTime":777.6,"endTime":777.84,"body":"have"},{"speaker":"SPEAKER_00","startTime":777.84,"endTime":778.16,"body":"throughout"},{"speaker":"SPEAKER_00","startTime":778.24,"endTime":778.64,"body":"retirement,"},{"speaker":"SPEAKER_00","startTime":778.88,"endTime":779.12,"body":"that's"},{"speaker":"SPEAKER_00","startTime":779.12,"endTime":779.36,"body":"what's"},{"speaker":"SPEAKER_00","startTime":779.36,"endTime":779.44,"body":"going"},{"speaker":"SPEAKER_00","startTime":779.44,"endTime":779.52,"body":"to"},{"speaker":"SPEAKER_00","startTime":779.52,"endTime":779.68,"body":"give"},{"speaker":"SPEAKER_00","startTime":779.68,"endTime":779.76,"body":"you"},{"speaker":"SPEAKER_00","startTime":779.76,"endTime":779.84,"body":"the"},{"speaker":"SPEAKER_00","startTime":779.84,"endTime":780.24,"body":"clarity"},{"speaker":"SPEAKER_00","startTime":780.24,"endTime":780.48,"body":"to"},{"speaker":"SPEAKER_00","startTime":780.48,"endTime":780.88,"body":"understand"},{"speaker":"SPEAKER_00","startTime":781.12,"endTime":781.36,"body":"can"},{"speaker":"SPEAKER_00","startTime":781.36,"endTime":781.52,"body":"you"},{"speaker":"SPEAKER_00","startTime":781.52,"endTime":782.24,"body":"retire"},{"speaker":"SPEAKER_00","startTime":782.24,"endTime":782.48,"body":"at"},{"speaker":"SPEAKER_00","startTime":782.48,"endTime":782.64,"body":"your"},{"speaker":"SPEAKER_00","startTime":782.64,"endTime":783.04,"body":"age"},{"speaker":"SPEAKER_00","startTime":783.04,"endTime":783.28,"body":"with"},{"speaker":"SPEAKER_00","startTime":783.28,"endTime":783.52,"body":"your"},{"speaker":"SPEAKER_00","startTime":783.52,"endTime":783.76,"body":"given"},{"speaker":"SPEAKER_00","startTime":783.76,"endTime":784.08,"body":"amount"},{"speaker":"SPEAKER_00","startTime":784.08,"endTime":784.24,"body":"of"},{"speaker":"SPEAKER_00","startTime":784.24,"endTime":784.72,"body":"assets?"}]}