{"version":"1.0.0","segments":[{"speaker":"Victor Lagos","startTime":3.24,"endTime":5.01,"body":"Welcome to the"},{"speaker":"Victor Lagos","startTime":3.24,"endTime":5.01,"body":"debt to financial freedom"},{"speaker":"Victor Lagos","startTime":5.01,"endTime":8.4,"body":"podcast. I'm your host Victor"},{"speaker":"Victor Lagos","startTime":5.01,"endTime":8.4,"body":"Lagos, and the founder of Lagos"},{"speaker":"Victor Lagos","startTime":8.4,"endTime":11.61,"body":"Financial. I've been in the"},{"speaker":"Victor Lagos","startTime":8.4,"endTime":11.61,"body":"finance and lending industry for"},{"speaker":"Victor Lagos","startTime":11.61,"endTime":15.06,"body":"16 years, and I've personally"},{"speaker":"Victor Lagos","startTime":11.61,"endTime":15.06,"body":"made financial mistakes and"},{"speaker":"Victor Lagos","startTime":15.06,"endTime":18.84,"body":"learn from them. I started this"},{"speaker":"Victor Lagos","startTime":15.06,"endTime":18.84,"body":"podcast to share stories and"},{"speaker":"Victor Lagos","startTime":18.84,"endTime":22.44,"body":"lessons on my own journey, and"},{"speaker":"Victor Lagos","startTime":18.84,"endTime":22.44,"body":"to share insights that may help"},{"speaker":"Victor Lagos","startTime":22.44,"endTime":25.65,"body":"others on their journey. And I"},{"speaker":"Victor Lagos","startTime":22.44,"endTime":25.65,"body":"interviewed people that I've"},{"speaker":"Victor Lagos","startTime":25.65,"endTime":28.95,"body":"connected with that share the"},{"speaker":"Victor Lagos","startTime":25.65,"endTime":28.95,"body":"same values and mission to help"},{"speaker":"Victor Lagos","startTime":28.95,"endTime":33.18,"body":"others create financial freedom."},{"speaker":"Victor Lagos","startTime":28.95,"endTime":33.18,"body":"My goal this podcast is to share"},{"speaker":"Victor Lagos","startTime":33.18,"endTime":37.41,"body":"raw, honest, transparent and"},{"speaker":"Victor Lagos","startTime":33.18,"endTime":37.41,"body":"helpful stories that you can"},{"speaker":"Victor Lagos","startTime":37.41,"endTime":41.01,"body":"relate to, and inspires you to"},{"speaker":"Victor Lagos","startTime":37.41,"endTime":41.01,"body":"take control of your finances"},{"speaker":"Victor Lagos","startTime":41.22,"endTime":44.52,"body":"and only have debt that brings"},{"speaker":"Victor Lagos","startTime":41.22,"endTime":44.52,"body":"you closer to financial freedom."},{"speaker":"Victor Lagos","startTime":46.08,"endTime":49.98,"body":"Everything on this podcast is"},{"speaker":"Victor Lagos","startTime":46.08,"endTime":49.98,"body":"general in nature, and for"},{"speaker":"Victor Lagos","startTime":49.98,"endTime":53.64,"body":"education purposes only. None of"},{"speaker":"Victor Lagos","startTime":49.98,"endTime":53.64,"body":"your personal objectives,"},{"speaker":"Victor Lagos","startTime":53.67,"endTime":57.66,"body":"financial situation or needs has"},{"speaker":"Victor Lagos","startTime":53.67,"endTime":57.66,"body":"been taken into consideration. I"},{"speaker":"Victor Lagos","startTime":57.66,"endTime":61.41,"body":"highly recommend you seek"},{"speaker":"Victor Lagos","startTime":57.66,"endTime":61.41,"body":"personal financial, legal"},{"speaker":"Victor Lagos","startTime":61.5,"endTime":65.76,"body":"taxation and credit advice"},{"speaker":"Victor Lagos","startTime":61.5,"endTime":65.76,"body":"before you take any action on"},{"speaker":"Victor Lagos","startTime":65.88,"endTime":70.74,"body":"what has been heard on this"},{"speaker":"Victor Lagos","startTime":65.88,"endTime":70.74,"body":"podcast. Welcome to episode"},{"speaker":"Victor Lagos","startTime":70.77,"endTime":74.61,"body":"three of the debt to financial"},{"speaker":"Victor Lagos","startTime":70.77,"endTime":74.61,"body":"freedom podcast. I'm your host,"},{"speaker":"Victor Lagos","startTime":74.7,"endTime":78.96,"body":"Victor Lagos. Today I've got a"},{"speaker":"Victor Lagos","startTime":74.7,"endTime":78.96,"body":"special guest, a friend of mine,"},{"speaker":"Victor Lagos","startTime":78.96,"endTime":82.74,"body":"actually we we met a couple of"},{"speaker":"Victor Lagos","startTime":78.96,"endTime":82.74,"body":"years ago and we've had a lot of"},{"speaker":"Victor Lagos","startTime":82.74,"endTime":85.8,"body":"conversations and I'm really"},{"speaker":"Victor Lagos","startTime":82.74,"endTime":85.8,"body":"glad to meet you face to face in"},{"speaker":"Victor Lagos","startTime":85.8,"endTime":88.92,"body":"person here. Dr. Dionne Payne,"},{"speaker":"Victor Lagos","startTime":85.8,"endTime":88.92,"body":"welcome."},{"speaker":"Dr Dionne Payn","startTime":89.52,"endTime":91.35,"body":"Thank you. It"},{"speaker":"Dr Dionne Payn","startTime":89.52,"endTime":91.35,"body":"was good to pinch you this"},{"speaker":"Dr Dionne Payn","startTime":91.35,"endTime":92.37,"body":"morning and make sure you were"},{"speaker":"Victor Lagos","startTime":94.17,"endTime":96.33,"body":"on camera. But I"},{"speaker":"Victor Lagos","startTime":94.17,"endTime":96.33,"body":"want to give a quick short"},{"speaker":"Victor Lagos","startTime":96.33,"endTime":100.77,"body":"intro. That's right. So Dr. The"},{"speaker":"Victor Lagos","startTime":96.33,"endTime":100.77,"body":"unpinch is a founder and CEO of"},{"speaker":"Victor Lagos","startTime":100.77,"endTime":105.6,"body":"high impact property investments"},{"speaker":"Victor Lagos","startTime":100.77,"endTime":105.6,"body":"for short hippie. The company"},{"speaker":"Victor Lagos","startTime":105.6,"endTime":108.18,"body":"specializes in partnering"},{"speaker":"Victor Lagos","startTime":105.6,"endTime":108.18,"body":"investors seeking double digit"},{"speaker":"Victor Lagos","startTime":108.18,"endTime":111.12,"body":"returns with projects that"},{"speaker":"Victor Lagos","startTime":108.18,"endTime":111.12,"body":"provide affordable and"},{"speaker":"Victor Lagos","startTime":111.12,"endTime":115.41,"body":"sustainable homes. Dan is the"},{"speaker":"Victor Lagos","startTime":111.12,"endTime":115.41,"body":"author of the number one best"},{"speaker":"Victor Lagos","startTime":115.41,"endTime":118.68,"body":"selling book ethical property"},{"speaker":"Victor Lagos","startTime":115.41,"endTime":118.68,"body":"investing, and is a board"},{"speaker":"Victor Lagos","startTime":118.68,"endTime":121.65,"body":"advisor to a non for profit"},{"speaker":"Victor Lagos","startTime":118.68,"endTime":121.65,"body":"organization that helps women"},{"speaker":"Victor Lagos","startTime":121.65,"endTime":124.62,"body":"into affordable homes. How was"},{"speaker":"Victor Lagos","startTime":121.65,"endTime":124.62,"body":"that?"},{"speaker":"Dr Dionne Payn","startTime":125.1,"endTime":126.63,"body":"That was"},{"speaker":"Dr Dionne Payn","startTime":125.1,"endTime":126.63,"body":"awesome. Awesome."},{"speaker":"Victor Lagos","startTime":127.05,"endTime":129.72,"body":"Well, can you"},{"speaker":"Victor Lagos","startTime":127.05,"endTime":129.72,"body":"share your story, like what led"},{"speaker":"Victor Lagos","startTime":129.72,"endTime":132.99,"body":"to what led you here to where"},{"speaker":"Victor Lagos","startTime":129.72,"endTime":132.99,"body":"you are now? And I really want"},{"speaker":"Victor Lagos","startTime":132.99,"endTime":135.45,"body":"to understand like, what is your"},{"speaker":"Victor Lagos","startTime":132.99,"endTime":135.45,"body":"big mission and vision? I'm"},{"speaker":"Victor Lagos","startTime":135.45,"endTime":137.19,"body":"aware of it but the audience"},{"speaker":"Victor Lagos","startTime":135.45,"endTime":137.19,"body":"don't know."},{"speaker":"Dr Dionne Payn","startTime":137.52,"endTime":140.73,"body":"Okay, cool. All"},{"speaker":"Dr Dionne Payn","startTime":137.52,"endTime":140.73,"body":"right. I think really, then I"},{"speaker":"Dr Dionne Payn","startTime":140.73,"endTime":146.67,"body":"have to start with my mum and my"},{"speaker":"Dr Dionne Payn","startTime":140.73,"endTime":146.67,"body":"Nan. So my nan moved a both sets"},{"speaker":"Dr Dionne Payn","startTime":146.67,"endTime":150.66,"body":"of grandparents actually moved"},{"speaker":"Dr Dionne Payn","startTime":146.67,"endTime":150.66,"body":"from Jamaica, to the UK, back in"},{"speaker":"Dr Dionne Payn","startTime":150.66,"endTime":156.9,"body":"the 60s. And it was part of a"},{"speaker":"Dr Dionne Payn","startTime":150.66,"endTime":156.9,"body":"big effort to repair Britain"},{"speaker":"Dr Dionne Payn","startTime":156.93,"endTime":163.8,"body":"after the war. And as Jamaicans"},{"speaker":"Dr Dionne Payn","startTime":156.93,"endTime":163.8,"body":"that they think they thought"},{"speaker":"Dr Dionne Payn","startTime":163.8,"endTime":166.92,"body":"that it was the promised land."},{"speaker":"Dr Dionne Payn","startTime":163.8,"endTime":166.92,"body":"And then when they got there,"},{"speaker":"Dr Dionne Payn","startTime":166.92,"endTime":170.73,"body":"the reality was, it was cold,"},{"speaker":"Dr Dionne Payn","startTime":166.92,"endTime":170.73,"body":"gray miserable. And they faced a"},{"speaker":"Dr Dionne Payn","startTime":170.73,"endTime":176.58,"body":"lot of discrimination. So, you"},{"speaker":"Dr Dionne Payn","startTime":170.73,"endTime":176.58,"body":"know, from that they my nan"},{"speaker":"Dr Dionne Payn","startTime":176.61,"endTime":181.35,"body":"always had the belief, which she"},{"speaker":"Dr Dionne Payn","startTime":176.61,"endTime":181.35,"body":"shared with with us as kids was"},{"speaker":"Dr Dionne Payn","startTime":181.35,"endTime":184.68,"body":"that we had to work harder than"},{"speaker":"Dr Dionne Payn","startTime":181.35,"endTime":184.68,"body":"everybody else to be able to get"},{"speaker":"Dr Dionne Payn","startTime":184.68,"endTime":190.65,"body":"ahead. So I'm like, Thanks, man."},{"speaker":"Dr Dionne Payn","startTime":184.68,"endTime":190.65,"body":"I'm now really driven. So nice."},{"speaker":"Dr Dionne Payn","startTime":191.97,"endTime":195.93,"body":"Yeah, it is. I mean, you know,"},{"speaker":"Dr Dionne Payn","startTime":191.97,"endTime":195.93,"body":"obviously, there's there's times"},{"speaker":"Dr Dionne Payn","startTime":195.93,"endTime":199.62,"body":"and places where you need to be"},{"speaker":"Dr Dionne Payn","startTime":195.93,"endTime":199.62,"body":"driven. But the other great gift"},{"speaker":"Dr Dionne Payn","startTime":199.62,"endTime":204.75,"body":"that I believe my dad gave me"},{"speaker":"Dr Dionne Payn","startTime":199.62,"endTime":204.75,"body":"was the gift of wanting to be in"},{"speaker":"Dr Dionne Payn","startTime":204.75,"endTime":209.67,"body":"service. And that just being a"},{"speaker":"Dr Dionne Payn","startTime":204.75,"endTime":209.67,"body":"very natural part of my life. My"},{"speaker":"Dr Dionne Payn","startTime":209.7,"endTime":212.67,"body":"my Nan, my granddad and that"},{"speaker":"Dr Dionne Payn","startTime":209.7,"endTime":212.67,"body":"side of the family were very"},{"speaker":"Dr Dionne Payn","startTime":212.67,"endTime":217.23,"body":"religious, Pentecostal"},{"speaker":"Dr Dionne Payn","startTime":212.67,"endTime":217.23,"body":"Christians had some interesting"},{"speaker":"Dr Dionne Payn","startTime":217.26,"endTime":221.1,"body":"sides to it. But the two things"},{"speaker":"Dr Dionne Payn","startTime":217.26,"endTime":221.1,"body":"that I really got from it were"},{"speaker":"Dr Dionne Payn","startTime":221.37,"endTime":224.58,"body":"number one, that being in"},{"speaker":"Dr Dionne Payn","startTime":221.37,"endTime":224.58,"body":"service and whatever we had been"},{"speaker":"Dr Dionne Payn","startTime":224.58,"endTime":227.4,"body":"able to share that with other"},{"speaker":"Dr Dionne Payn","startTime":224.58,"endTime":227.4,"body":"people to help them to ease"},{"speaker":"Dr Dionne Payn","startTime":227.4,"endTime":230.64,"body":"their suffering. And the other"},{"speaker":"Dr Dionne Payn","startTime":227.4,"endTime":230.64,"body":"thing was this sense of"},{"speaker":"Dr Dionne Payn","startTime":230.64,"endTime":235.47,"body":"community. And I realized that"},{"speaker":"Dr Dionne Payn","startTime":230.64,"endTime":235.47,"body":"when I did leave the church"},{"speaker":"Dr Dionne Payn","startTime":235.47,"endTime":240.24,"body":"community when I was in my late"},{"speaker":"Dr Dionne Payn","startTime":235.47,"endTime":240.24,"body":"teens, I'd always been seeking"},{"speaker":"Dr Dionne Payn","startTime":240.24,"endTime":245.22,"body":"that community until I moved to"},{"speaker":"Dr Dionne Payn","startTime":240.24,"endTime":245.22,"body":"the Byron Shire, which gave me"},{"speaker":"Dr Dionne Payn","startTime":245.22,"endTime":249.36,"body":"that sense of community that I"},{"speaker":"Dr Dionne Payn","startTime":245.22,"endTime":249.36,"body":"was looking for. But"},{"speaker":"Dr Dionne Payn","startTime":249.36,"endTime":255.39,"body":"specifically, I left the UK in"},{"speaker":"Dr Dionne Payn","startTime":249.36,"endTime":255.39,"body":"2004 2005, I moved to Australia"},{"speaker":"Dr Dionne Payn","startTime":256.17,"endTime":261.54,"body":"and did a PhD at Southern Cross"},{"speaker":"Dr Dionne Payn","startTime":256.17,"endTime":261.54,"body":"University in chemistry, which"},{"speaker":"Dr Dionne Payn","startTime":261.54,"endTime":264.84,"body":"is so different to what I'm"},{"speaker":"Dr Dionne Payn","startTime":261.54,"endTime":264.84,"body":"doing now. Dr. Title, I got my"},{"speaker":"Dr Dionne Payn","startTime":264.84,"endTime":270.87,"body":"doctor title from that. Yeah."},{"speaker":"Dr Dionne Payn","startTime":264.84,"endTime":270.87,"body":"And yeah, well, what that meant"},{"speaker":"Dr Dionne Payn","startTime":270.87,"endTime":273.3,"body":"for me was that I had enough"},{"speaker":"Dr Dionne Payn","startTime":270.87,"endTime":273.3,"body":"points to stay in Australia, but"},{"speaker":"Dr Dionne Payn","startTime":273.48,"endTime":277.35,"body":"also being in the Bible shadow."},{"speaker":"Dr Dionne Payn","startTime":273.48,"endTime":277.35,"body":"I was like, Well, I can't afford"},{"speaker":"Dr Dionne Payn","startTime":277.35,"endTime":281.76,"body":"to buy a home here on one income"},{"speaker":"Dr Dionne Payn","startTime":277.35,"endTime":281.76,"body":"I after I finished my PhD. I"},{"speaker":"Dr Dionne Payn","startTime":281.76,"endTime":286.5,"body":"decided to have children with my"},{"speaker":"Dr Dionne Payn","startTime":281.76,"endTime":286.5,"body":"husband. He was working I wasn't"},{"speaker":"Dr Dionne Payn","startTime":286.5,"endTime":288.96,"body":"working because I wanted to stay"},{"speaker":"Dr Dionne Payn","startTime":286.5,"endTime":288.96,"body":"home and be home with the kids."},{"speaker":"Dr Dionne Payn","startTime":291.03,"endTime":294.81,"body":"And I just, yeah, just the one"},{"speaker":"Dr Dionne Payn","startTime":291.03,"endTime":294.81,"body":"income it was already"},{"speaker":"Dr Dionne Payn","startTime":294.84,"endTime":297.9,"body":"unaffordable like it's gone up a"},{"speaker":"Dr Dionne Payn","startTime":294.84,"endTime":297.9,"body":"lot since then, but it was"},{"speaker":"Dr Dionne Payn","startTime":297.9,"endTime":302.1,"body":"unaffordable then. So, for me"},{"speaker":"Dr Dionne Payn","startTime":297.9,"endTime":302.1,"body":"property was a way of finding,"},{"speaker":"Dr Dionne Payn","startTime":303.75,"endTime":307.71,"body":"finding a creative way to"},{"speaker":"Dr Dionne Payn","startTime":303.75,"endTime":307.71,"body":"basically understanding the game"},{"speaker":"Dr Dionne Payn","startTime":307.71,"endTime":311.25,"body":"of property. So if I could"},{"speaker":"Dr Dionne Payn","startTime":307.71,"endTime":311.25,"body":"understand how to how it worked,"},{"speaker":"Dr Dionne Payn","startTime":311.46,"endTime":314.22,"body":"then I might be able to find a"},{"speaker":"Dr Dionne Payn","startTime":311.46,"endTime":314.22,"body":"creative way to get into it. And"},{"speaker":"Dr Dionne Payn","startTime":314.22,"endTime":318.24,"body":"so I started off, I did a"},{"speaker":"Dr Dionne Payn","startTime":314.22,"endTime":318.24,"body":"mentoring course my husband and"},{"speaker":"Dr Dionne Payn","startTime":318.24,"endTime":322.29,"body":"I did that together, we found a"},{"speaker":"Dr Dionne Payn","startTime":318.24,"endTime":322.29,"body":"joint venture partner, our very"},{"speaker":"Dr Dionne Payn","startTime":322.29,"endTime":325.62,"body":"first project was actually an"},{"speaker":"Dr Dionne Payn","startTime":322.29,"endTime":325.62,"body":"affordable housing project,"},{"speaker":"Dr Dionne Payn","startTime":325.62,"endTime":330.51,"body":"although I didn't realize it."},{"speaker":"Dr Dionne Payn","startTime":325.62,"endTime":330.51,"body":"There was a house and a studio"},{"speaker":"Dr Dionne Payn","startTime":330.51,"endTime":334.17,"body":"that was attached, we detach the"},{"speaker":"Dr Dionne Payn","startTime":330.51,"endTime":334.17,"body":"studio, renovated both"},{"speaker":"Dr Dionne Payn","startTime":334.17,"endTime":337.86,"body":"properties subdivided and sold"},{"speaker":"Dr Dionne Payn","startTime":334.17,"endTime":337.86,"body":"them separately. And that studio"},{"speaker":"Dr Dionne Payn","startTime":337.86,"endTime":340.38,"body":"was a one bedroom Studio on a"},{"speaker":"Dr Dionne Payn","startTime":337.86,"endTime":340.38,"body":"quite a large block of land. And"},{"speaker":"Dr Dionne Payn","startTime":340.38,"endTime":344.46,"body":"we sold that for under $300,000."},{"speaker":"Dr Dionne Payn","startTime":340.38,"endTime":344.46,"body":"So in that sense, that was my"},{"speaker":"Dr Dionne Payn","startTime":344.46,"endTime":346.8,"body":"first affordable housing"},{"speaker":"Dr Dionne Payn","startTime":344.46,"endTime":346.8,"body":"project."},{"speaker":"Victor Lagos","startTime":347.1,"endTime":349.47,"body":"Awesome. man gave"},{"speaker":"Victor Lagos","startTime":347.1,"endTime":349.47,"body":"me the capital to really start"},{"speaker":"Victor Lagos","startTime":349.98,"endTime":350.46,"body":"the next one."},{"speaker":"Dr Dionne Payn","startTime":350.49,"endTime":354.09,"body":"Well, yeah, it"},{"speaker":"Dr Dionne Payn","startTime":350.49,"endTime":354.09,"body":"gave a guy for capital. And but"},{"speaker":"Dr Dionne Payn","startTime":354.09,"endTime":357.72,"body":"it also gave confidence in, you"},{"speaker":"Dr Dionne Payn","startTime":354.09,"endTime":357.72,"body":"know, we didn't start with"},{"speaker":"Dr Dionne Payn","startTime":357.72,"endTime":361.32,"body":"money, we had some money, which"},{"speaker":"Dr Dionne Payn","startTime":357.72,"endTime":361.32,"body":"was what we used for mentoring,"},{"speaker":"Dr Dionne Payn","startTime":361.32,"endTime":364.14,"body":"but we didn't have enough for a"},{"speaker":"Dr Dionne Payn","startTime":361.32,"endTime":364.14,"body":"deposit. But what that meant was"},{"speaker":"Dr Dionne Payn","startTime":364.17,"endTime":367.32,"body":"are we can work with other"},{"speaker":"Dr Dionne Payn","startTime":364.17,"endTime":367.32,"body":"people to achieve a goal. The"},{"speaker":"Dr Dionne Payn","startTime":367.32,"endTime":371.73,"body":"joint venture partner that we"},{"speaker":"Dr Dionne Payn","startTime":367.32,"endTime":371.73,"body":"had was great. He had lots of he"},{"speaker":"Dr Dionne Payn","startTime":371.73,"endTime":375.27,"body":"had money, but no time. And we"},{"speaker":"Dr Dionne Payn","startTime":371.73,"endTime":375.27,"body":"had lots of time, but no money."},{"speaker":"Dr Dionne Payn","startTime":375.27,"endTime":379.02,"body":"So it was a it was a good"},{"speaker":"Dr Dionne Payn","startTime":375.27,"endTime":379.02,"body":"partnership. And so it was a"},{"speaker":"Dr Dionne Payn","startTime":379.08,"endTime":383.28,"body":"really good illustration to me"},{"speaker":"Dr Dionne Payn","startTime":379.08,"endTime":383.28,"body":"of how we could collectively"},{"speaker":"Dr Dionne Payn","startTime":383.28,"endTime":387.21,"body":"pool the resources that we had"},{"speaker":"Dr Dionne Payn","startTime":383.28,"endTime":387.21,"body":"to get an outcome that worked"},{"speaker":"Dr Dionne Payn","startTime":387.21,"endTime":392.28,"body":"for us both. And from then I did"},{"speaker":"Dr Dionne Payn","startTime":387.21,"endTime":392.28,"body":"more projects, some smaller"},{"speaker":"Dr Dionne Payn","startTime":392.28,"endTime":397.17,"body":"projects. I saw after about"},{"speaker":"Dr Dionne Payn","startTime":392.28,"endTime":397.17,"body":"doing three or four of those, I"},{"speaker":"Dr Dionne Payn","startTime":397.17,"endTime":400.59,"body":"saw a piece of vacant land,"},{"speaker":"Dr Dionne Payn","startTime":397.17,"endTime":400.59,"body":"which had development approval"},{"speaker":"Dr Dionne Payn","startTime":400.59,"endTime":405.42,"body":"for 14 one bedroom townhouses in"},{"speaker":"Dr Dionne Payn","startTime":400.59,"endTime":405.42,"body":"ocean shores. And I was a bit"},{"speaker":"Dr Dionne Payn","startTime":405.42,"endTime":409.23,"body":"gung ho to be honest with you,"},{"speaker":"Dr Dionne Payn","startTime":405.42,"endTime":409.23,"body":"in terms of I looked at, and I"},{"speaker":"Dr Dionne Payn","startTime":409.23,"endTime":412.89,"body":"was like, Well, I know how to do"},{"speaker":"Dr Dionne Payn","startTime":409.23,"endTime":412.89,"body":"feasibilities. I, I know how to"},{"speaker":"Dr Dionne Payn","startTime":413.49,"endTime":417.0,"body":"bring people together to make"},{"speaker":"Dr Dionne Payn","startTime":413.49,"endTime":417.0,"body":"this work. But it was quite a"},{"speaker":"Dr Dionne Payn","startTime":417.0,"endTime":421.92,"body":"big jump from what I've done"},{"speaker":"Dr Dionne Payn","startTime":417.0,"endTime":421.92,"body":"before to doing that. But what"},{"speaker":"Dr Dionne Payn","startTime":421.92,"endTime":426.15,"body":"actually happened was that I"},{"speaker":"Dr Dionne Payn","startTime":421.92,"endTime":426.15,"body":"found joint venture partners, we"},{"speaker":"Dr Dionne Payn","startTime":426.18,"endTime":431.7,"body":"built the 14 townhouses. Three"},{"speaker":"Dr Dionne Payn","startTime":426.18,"endTime":431.7,"body":"of them were affordable rental"},{"speaker":"Dr Dionne Payn","startTime":431.7,"endTime":435.06,"body":"housing, which meant that they"},{"speaker":"Dr Dionne Payn","startTime":431.7,"endTime":435.06,"body":"were managed by a community"},{"speaker":"Dr Dionne Payn","startTime":435.06,"endTime":438.57,"body":"housing provider, who had them"},{"speaker":"Dr Dionne Payn","startTime":435.06,"endTime":438.57,"body":"for a period of 10 years, and"},{"speaker":"Dr Dionne Payn","startTime":438.93,"endTime":444.3,"body":"the, the tenants would pay 80%"},{"speaker":"Dr Dionne Payn","startTime":438.93,"endTime":444.3,"body":"of the market rent. And then the"},{"speaker":"Dr Dionne Payn","startTime":444.3,"endTime":446.73,"body":"rest of them because they were"},{"speaker":"Dr Dionne Payn","startTime":444.3,"endTime":446.73,"body":"so small, I mean, there were one"},{"speaker":"Dr Dionne Payn","startTime":446.73,"endTime":449.34,"body":"bedroom, there were 60 square"},{"speaker":"Dr Dionne Payn","startTime":446.73,"endTime":449.34,"body":"meters. But that was an"},{"speaker":"Dr Dionne Payn","startTime":449.34,"endTime":453.18,"body":"affordable, that was an entry"},{"speaker":"Dr Dionne Payn","startTime":449.34,"endTime":453.18,"body":"price for that location. So I"},{"speaker":"Dr Dionne Payn","startTime":453.18,"endTime":455.49,"body":"actually had friends that were"},{"speaker":"Dr Dionne Payn","startTime":453.18,"endTime":455.49,"body":"able to buy into that"},{"speaker":"Dr Dionne Payn","startTime":455.49,"endTime":458.79,"body":"development, who may not have"},{"speaker":"Dr Dionne Payn","startTime":455.49,"endTime":458.79,"body":"been able to buy anything in the"},{"speaker":"Dr Dionne Payn","startTime":458.79,"endTime":462.84,"body":"area had that not been there. So"},{"speaker":"Dr Dionne Payn","startTime":458.79,"endTime":462.84,"body":"the benefit that I saw from that"},{"speaker":"Dr Dionne Payn","startTime":462.84,"endTime":467.76,"body":"was the number one I could meet"},{"speaker":"Dr Dionne Payn","startTime":462.84,"endTime":467.76,"body":"all my service needs, you know,"},{"speaker":"Dr Dionne Payn","startTime":467.76,"endTime":470.79,"body":"doing something for the"},{"speaker":"Dr Dionne Payn","startTime":467.76,"endTime":470.79,"body":"community. But also I got well"},{"speaker":"Dr Dionne Payn","startTime":470.79,"endTime":474.63,"body":"rewarded for it, we walked away"},{"speaker":"Dr Dionne Payn","startTime":470.79,"endTime":474.63,"body":"with a 25% per annum return on"},{"speaker":"Dr Dionne Payn","startTime":474.63,"endTime":480.03,"body":"investment. And look, it was a"},{"speaker":"Dr Dionne Payn","startTime":474.63,"endTime":480.03,"body":"it was a big thing. It was a big"},{"speaker":"Dr Dionne Payn","startTime":480.03,"endTime":484.35,"body":"risk, we did work to de risk it"},{"speaker":"Dr Dionne Payn","startTime":480.03,"endTime":484.35,"body":"as much as possible. But things"},{"speaker":"Dr Dionne Payn","startTime":484.35,"endTime":487.35,"body":"went wrong, the building went"},{"speaker":"Dr Dionne Payn","startTime":484.35,"endTime":487.35,"body":"broke and things like that. So"},{"speaker":"Dr Dionne Payn","startTime":488.16,"endTime":491.94,"body":"but even despite all of that, we"},{"speaker":"Dr Dionne Payn","startTime":488.16,"endTime":491.94,"body":"had something that had this"},{"speaker":"Dr Dionne Payn","startTime":491.94,"endTime":496.41,"body":"massive community benefit. And"},{"speaker":"Dr Dionne Payn","startTime":491.94,"endTime":496.41,"body":"so since then, I just thought I"},{"speaker":"Dr Dionne Payn","startTime":496.41,"endTime":499.47,"body":"can't do property any other way,"},{"speaker":"Dr Dionne Payn","startTime":496.41,"endTime":499.47,"body":"if there's not a bigger benefit"},{"speaker":"Dr Dionne Payn","startTime":499.47,"endTime":501.66,"body":"to just making money. It's not"},{"speaker":"Dr Dionne Payn","startTime":499.47,"endTime":501.66,"body":"that's why"},{"speaker":"Victor Lagos","startTime":501.9,"endTime":503.85,"body":"you're not"},{"speaker":"Victor Lagos","startTime":501.9,"endTime":503.85,"body":"connected. And when I heard you"},{"speaker":"Victor Lagos","startTime":503.85,"endTime":506.67,"body":"the first time talking about"},{"speaker":"Victor Lagos","startTime":503.85,"endTime":506.67,"body":"this, I wanted to reach out to"},{"speaker":"Victor Lagos","startTime":506.67,"endTime":510.21,"body":"you because this space, and a"},{"speaker":"Victor Lagos","startTime":506.67,"endTime":510.21,"body":"lot of people know this that in"},{"speaker":"Victor Lagos","startTime":510.36,"endTime":512.31,"body":"property development, there's a"},{"speaker":"Victor Lagos","startTime":510.36,"endTime":512.31,"body":"lot of people that are doing it"},{"speaker":"Victor Lagos","startTime":512.31,"endTime":514.38,"body":"for the money. They're doing it"},{"speaker":"Victor Lagos","startTime":512.31,"endTime":514.38,"body":"for themselves. They're doing it"},{"speaker":"Victor Lagos","startTime":514.38,"endTime":517.17,"body":"for obviously future projects,"},{"speaker":"Victor Lagos","startTime":514.38,"endTime":517.17,"body":"but they're not thinking about"},{"speaker":"Victor Lagos","startTime":517.17,"endTime":520.44,"body":"the larger community and what"},{"speaker":"Victor Lagos","startTime":517.17,"endTime":520.44,"body":"impact isn't making. So yeah, I"},{"speaker":"Victor Lagos","startTime":520.44,"endTime":525.09,"body":"love that. And your big mission."},{"speaker":"Victor Lagos","startTime":520.44,"endTime":525.09,"body":"I mean, I don't want to spoil"},{"speaker":"Victor Lagos","startTime":525.09,"endTime":527.4,"body":"it, but it is, It's big. It's"},{"speaker":"Victor Lagos","startTime":525.09,"endTime":527.4,"body":"pretty"},{"speaker":"Dr Dionne Payn","startTime":527.43,"endTime":530.76,"body":"hairy. Yeah."},{"speaker":"Dr Dionne Payn","startTime":527.43,"endTime":530.76,"body":"I'll explain where that came"},{"speaker":"Dr Dionne Payn","startTime":530.76,"endTime":536.1,"body":"from. So after that particular"},{"speaker":"Dr Dionne Payn","startTime":530.76,"endTime":536.1,"body":"project, like I said, I had"},{"speaker":"Dr Dionne Payn","startTime":536.1,"endTime":540.27,"body":"bitten off quite a lot and burnt"},{"speaker":"Dr Dionne Payn","startTime":536.1,"endTime":540.27,"body":"myself out. So it took me a"},{"speaker":"Dr Dionne Payn","startTime":540.27,"endTime":544.11,"body":"little bit of time to just, you"},{"speaker":"Dr Dionne Payn","startTime":540.27,"endTime":544.11,"body":"know, sort of recoup and bring"},{"speaker":"Dr Dionne Payn","startTime":544.11,"endTime":550.08,"body":"myself together. As part of that"},{"speaker":"Dr Dionne Payn","startTime":544.11,"endTime":550.08,"body":"recuperation pro process, I"},{"speaker":"Dr Dionne Payn","startTime":550.08,"endTime":553.56,"body":"decided to do personal"},{"speaker":"Dr Dionne Payn","startTime":550.08,"endTime":553.56,"body":"development. And so for the"},{"speaker":"Dr Dionne Payn","startTime":553.71,"endTime":556.08,"body":"couple of years after that, I"},{"speaker":"Dr Dionne Payn","startTime":553.71,"endTime":556.08,"body":"did a number of personal"},{"speaker":"Dr Dionne Payn","startTime":556.08,"endTime":560.97,"body":"development courses. And there"},{"speaker":"Dr Dionne Payn","startTime":556.08,"endTime":560.97,"body":"was one where we had a task to"},{"speaker":"Dr Dionne Payn","startTime":560.97,"endTime":564.48,"body":"do, there was a group of us, I"},{"speaker":"Dr Dionne Payn","startTime":560.97,"endTime":564.48,"body":"think five of us, we had a task"},{"speaker":"Dr Dionne Payn","startTime":564.48,"endTime":568.59,"body":"to do that everybody in the"},{"speaker":"Dr Dionne Payn","startTime":564.48,"endTime":568.59,"body":"course was set the task, we were"},{"speaker":"Dr Dionne Payn","startTime":568.59,"endTime":573.12,"body":"the ones that achieve that task."},{"speaker":"Dr Dionne Payn","startTime":568.59,"endTime":573.12,"body":"And it was it was really"},{"speaker":"Dr Dionne Payn","startTime":573.12,"endTime":575.91,"body":"beautiful because what I"},{"speaker":"Dr Dionne Payn","startTime":573.12,"endTime":575.91,"body":"recognized from that was the"},{"speaker":"Dr Dionne Payn","startTime":575.91,"endTime":578.94,"body":"power of collaboration up until"},{"speaker":"Dr Dionne Payn","startTime":575.91,"endTime":578.94,"body":"then I'd been doing things"},{"speaker":"Dr Dionne Payn","startTime":578.97,"endTime":583.38,"body":"alone, but with this group of"},{"speaker":"Dr Dionne Payn","startTime":578.97,"endTime":583.38,"body":"women, and we were able to"},{"speaker":"Dr Dionne Payn","startTime":583.38,"endTime":587.4,"body":"collaborate and what that meant"},{"speaker":"Dr Dionne Payn","startTime":583.38,"endTime":587.4,"body":"was in the times that they were"},{"speaker":"Dr Dionne Payn","startTime":587.4,"endTime":590.34,"body":"down, I was there to rally"},{"speaker":"Dr Dionne Payn","startTime":587.4,"endTime":590.34,"body":"around and cheer them up. And in"},{"speaker":"Dr Dionne Payn","startTime":590.34,"endTime":592.77,"body":"the times that I was down, they"},{"speaker":"Dr Dionne Payn","startTime":590.34,"endTime":592.77,"body":"rallied around and cheered me up"},{"speaker":"Dr Dionne Payn","startTime":592.77,"endTime":596.79,"body":"as well. So having that sort of"},{"speaker":"Dr Dionne Payn","startTime":592.77,"endTime":596.79,"body":"mutual support network was"},{"speaker":"Dr Dionne Payn","startTime":596.79,"endTime":603.09,"body":"fantastic. And from that I Yeah,"},{"speaker":"Dr Dionne Payn","startTime":596.79,"endTime":603.09,"body":"just having that power of"},{"speaker":"Dr Dionne Payn","startTime":603.09,"endTime":607.77,"body":"collaboration was really"},{"speaker":"Dr Dionne Payn","startTime":603.09,"endTime":607.77,"body":"important. And for me, that's"},{"speaker":"Dr Dionne Payn","startTime":607.77,"endTime":611.67,"body":"just the way that I wanted to"},{"speaker":"Dr Dionne Payn","startTime":607.77,"endTime":611.67,"body":"move forwards and do all of my,"},{"speaker":"Dr Dionne Payn","startTime":611.79,"endTime":617.73,"body":"all of my projects. So I ended"},{"speaker":"Dr Dionne Payn","startTime":611.79,"endTime":617.73,"body":"up meeting a developer who had a"},{"speaker":"Dr Dionne Payn","startTime":617.73,"endTime":620.79,"body":"lot of experience. And I think"},{"speaker":"Dr Dionne Payn","startTime":617.73,"endTime":620.79,"body":"that was the person that you"},{"speaker":"Dr Dionne Payn","startTime":620.79,"endTime":624.96,"body":"met, or that you heard on the"},{"speaker":"Dr Dionne Payn","startTime":620.79,"endTime":624.96,"body":"podcast initially. And we ended"},{"speaker":"Dr Dionne Payn","startTime":624.96,"endTime":627.78,"body":"up working together"},{"speaker":"Dr Dionne Payn","startTime":624.96,"endTime":627.78,"body":"collaborating together. And I"},{"speaker":"Dr Dionne Payn","startTime":627.78,"endTime":631.71,"body":"just saw that there was such a"},{"speaker":"Dr Dionne Payn","startTime":627.78,"endTime":631.71,"body":"bigger, a bigger player at hand."},{"speaker":"Dr Dionne Payn","startTime":632.19,"endTime":634.95,"body":"And as part of this, sort of"},{"speaker":"Dr Dionne Payn","startTime":632.19,"endTime":634.95,"body":"moving from this personal"},{"speaker":"Dr Dionne Payn","startTime":634.95,"endTime":637.53,"body":"development course, where I've"},{"speaker":"Dr Dionne Payn","startTime":634.95,"endTime":637.53,"body":"met these wonderful group of"},{"speaker":"Dr Dionne Payn","startTime":637.53,"endTime":644.25,"body":"women, to meeting the developer,"},{"speaker":"Dr Dionne Payn","startTime":637.53,"endTime":644.25,"body":"I figured out that my role with"},{"speaker":"Dr Dionne Payn","startTime":644.25,"endTime":646.56,"body":"the developer was going to be"},{"speaker":"Dr Dionne Payn","startTime":644.25,"endTime":646.56,"body":"raising capital, his role was"},{"speaker":"Dr Dionne Payn","startTime":646.56,"endTime":649.98,"body":"going to be doing the"},{"speaker":"Dr Dionne Payn","startTime":646.56,"endTime":649.98,"body":"developments. But when I was"},{"speaker":"Dr Dionne Payn","startTime":649.98,"endTime":652.14,"body":"speaking to my friend, Joanna,"},{"speaker":"Dr Dionne Payn","startTime":649.98,"endTime":652.14,"body":"she said, Well, there's"},{"speaker":"Dr Dionne Payn","startTime":652.14,"endTime":655.02,"body":"something that's not you know,"},{"speaker":"Dr Dionne Payn","startTime":652.14,"endTime":655.02,"body":"that there's something that"},{"speaker":"Dr Dionne Payn","startTime":655.02,"endTime":657.0,"body":"you're not speaking what is"},{"speaker":"Dr Dionne Payn","startTime":655.02,"endTime":657.0,"body":"that? And I was like, Well, you"},{"speaker":"Dr Dionne Payn","startTime":657.0,"endTime":661.86,"body":"know, it just irks me to see"},{"speaker":"Dr Dionne Payn","startTime":657.0,"endTime":661.86,"body":"that there's so many companies"},{"speaker":"Dr Dionne Payn","startTime":661.86,"endTime":664.44,"body":"that are doing things that are"},{"speaker":"Dr Dionne Payn","startTime":661.86,"endTime":664.44,"body":"destructive for the environment"},{"speaker":"Dr Dionne Payn","startTime":664.44,"endTime":668.67,"body":"and destructive for people. And"},{"speaker":"Dr Dionne Payn","startTime":664.44,"endTime":668.67,"body":"there's so much money that gets"},{"speaker":"Dr Dionne Payn","startTime":668.79,"endTime":672.78,"body":"thrown into that arena, because"},{"speaker":"Dr Dionne Payn","startTime":668.79,"endTime":672.78,"body":"it does make money. What if I"},{"speaker":"Dr Dionne Payn","startTime":672.78,"endTime":675.87,"body":"was to divert some of that"},{"speaker":"Dr Dionne Payn","startTime":672.78,"endTime":675.87,"body":"money? Like, what if I was to"},{"speaker":"Dr Dionne Payn","startTime":675.87,"endTime":680.04,"body":"raise a billion dollars for"},{"speaker":"Dr Dionne Payn","startTime":675.87,"endTime":680.04,"body":"ethical property projects, and"},{"speaker":"Dr Dionne Payn","startTime":680.4,"endTime":682.65,"body":"it was one of those moments"},{"speaker":"Dr Dionne Payn","startTime":680.4,"endTime":682.65,"body":"where the words flew out of my"},{"speaker":"Dr Dionne Payn","startTime":682.65,"endTime":686.04,"body":"mouth? I didn't think about it."},{"speaker":"Dr Dionne Payn","startTime":682.65,"endTime":686.04,"body":"And I was like, Can I retract"},{"speaker":"Dr Dionne Payn","startTime":686.04,"endTime":691.29,"body":"that? But you know, it's I spoke"},{"speaker":"Dr Dionne Payn","startTime":686.04,"endTime":691.29,"body":"it into existence. And, you"},{"speaker":"Dr Dionne Payn","startTime":691.29,"endTime":694.86,"body":"know, spoken to my friend,"},{"speaker":"Dr Dionne Payn","startTime":691.29,"endTime":694.86,"body":"Joanna, I spoke to my developer"},{"speaker":"Dr Dionne Payn","startTime":694.89,"endTime":698.28,"body":"colleague at the time, I was"},{"speaker":"Dr Dionne Payn","startTime":694.89,"endTime":698.28,"body":"like, We can do this. And over"},{"speaker":"Dr Dionne Payn","startTime":698.28,"endTime":702.24,"body":"time, what I found is that the"},{"speaker":"Dr Dionne Payn","startTime":698.28,"endTime":702.24,"body":"more I speak it, I've got a"},{"speaker":"Dr Dionne Payn","startTime":702.24,"endTime":704.64,"body":"book, I have put it in a book."},{"speaker":"Dr Dionne Payn","startTime":702.24,"endTime":704.64,"body":"I've got it on my website, I've"},{"speaker":"Dr Dionne Payn","startTime":704.64,"endTime":708.09,"body":"got it in my social media posts."},{"speaker":"Dr Dionne Payn","startTime":704.64,"endTime":708.09,"body":"The more I speak it, the more"},{"speaker":"Dr Dionne Payn","startTime":708.12,"endTime":711.66,"body":"it's actually coming to"},{"speaker":"Dr Dionne Payn","startTime":708.12,"endTime":711.66,"body":"fruition. Yeah, well,"},{"speaker":"Victor Lagos","startTime":712.44,"endTime":714.93,"body":"so when is the"},{"speaker":"Victor Lagos","startTime":712.44,"endTime":714.93,"body":"timeframe to hit the billion"},{"speaker":"Victor Lagos","startTime":714.96,"endTime":719.64,"body":"dollar mark? December 2026,"},{"speaker":"Victor Lagos","startTime":714.96,"endTime":719.64,"body":"December 2026. So you've got"},{"speaker":"Victor Lagos","startTime":720.27,"endTime":721.29,"body":"just under four years?"},{"speaker":"Dr Dionne Payn","startTime":721.35,"endTime":722.46,"body":"Yeah. Yeah,"},{"speaker":"Victor Lagos","startTime":723.0,"endTime":724.65,"body":"I think it's"},{"speaker":"Victor Lagos","startTime":723.0,"endTime":724.65,"body":"doable. Well, it's"},{"speaker":"Dr Dionne Payn","startTime":724.65,"endTime":727.32,"body":"totally doable."},{"speaker":"Dr Dionne Payn","startTime":724.65,"endTime":727.32,"body":"And one of the things that I'm"},{"speaker":"Dr Dionne Payn","startTime":727.32,"endTime":730.59,"body":"working on at the moment is"},{"speaker":"Dr Dionne Payn","startTime":727.32,"endTime":730.59,"body":"putting together a portfolio of"},{"speaker":"Dr Dionne Payn","startTime":730.65,"endTime":735.15,"body":"developers and their particular"},{"speaker":"Dr Dionne Payn","startTime":730.65,"endTime":735.15,"body":"projects in the specialist"},{"speaker":"Dr Dionne Payn","startTime":735.15,"endTime":740.25,"body":"disability accommodation in the"},{"speaker":"Dr Dionne Payn","startTime":735.15,"endTime":740.25,"body":"sustainable housing space, and"},{"speaker":"Dr Dionne Payn","startTime":740.25,"endTime":743.76,"body":"also in the affordable housing"},{"speaker":"Dr Dionne Payn","startTime":740.25,"endTime":743.76,"body":"space. And with that coalition"},{"speaker":"Dr Dionne Payn","startTime":743.76,"endTime":748.71,"body":"of projects, or curating those"},{"speaker":"Dr Dionne Payn","startTime":743.76,"endTime":748.71,"body":"projects, that's $160 million"},{"speaker":"Dr Dionne Payn","startTime":748.98,"endTime":752.61,"body":"worth of capital that's needed"},{"speaker":"Dr Dionne Payn","startTime":748.98,"endTime":752.61,"body":"to make those projects happen."},{"speaker":"Dr Dionne Payn","startTime":752.64,"endTime":756.27,"body":"And they're all they're all"},{"speaker":"Dr Dionne Payn","startTime":752.64,"endTime":756.27,"body":"fantastic products, and they're"},{"speaker":"Dr Dionne Payn","startTime":756.3,"endTime":759.87,"body":"all going to have such a big"},{"speaker":"Dr Dionne Payn","startTime":756.3,"endTime":759.87,"body":"impact in the spaces that"},{"speaker":"Dr Dionne Payn","startTime":759.87,"endTime":763.29,"body":"they're in. And that's what"},{"speaker":"Dr Dionne Payn","startTime":759.87,"endTime":763.29,"body":"we're going to do this year. So."},{"speaker":"Dr Dionne Payn","startTime":763.8,"endTime":765.39,"body":"So that's exciting. It is."},{"speaker":"Victor Lagos","startTime":765.45,"endTime":768.87,"body":"And I wanted to"},{"speaker":"Victor Lagos","startTime":765.45,"endTime":768.87,"body":"set the audience who don't know"},{"speaker":"Victor Lagos","startTime":768.87,"endTime":772.89,"body":"what affordable housing is,"},{"speaker":"Victor Lagos","startTime":768.87,"endTime":772.89,"body":"could you explain what is"},{"speaker":"Victor Lagos","startTime":772.89,"endTime":775.08,"body":"affordable housing? And why is"},{"speaker":"Victor Lagos","startTime":772.89,"endTime":775.08,"body":"it becoming a bigger problem in"},{"speaker":"Victor Lagos","startTime":775.08,"endTime":775.53,"body":"Australia?"},{"speaker":"Dr Dionne Payn","startTime":775.92,"endTime":781.59,"body":"Let's start with"},{"speaker":"Dr Dionne Payn","startTime":775.92,"endTime":781.59,"body":"the problem. There's been, okay,"},{"speaker":"Dr Dionne Payn","startTime":781.65,"endTime":785.55,"body":"two things that I see. One is"},{"speaker":"Dr Dionne Payn","startTime":781.65,"endTime":785.55,"body":"that as Australians, and it's"},{"speaker":"Dr Dionne Payn","startTime":785.55,"endTime":789.99,"body":"not just an Australian issue,"},{"speaker":"Dr Dionne Payn","startTime":785.55,"endTime":789.99,"body":"but certainly here we view"},{"speaker":"Dr Dionne Payn","startTime":790.02,"endTime":795.75,"body":"property as a vehicle to"},{"speaker":"Dr Dionne Payn","startTime":790.02,"endTime":795.75,"body":"creating wealth. Fantastic. What"},{"speaker":"Dr Dionne Payn","startTime":795.75,"endTime":798.84,"body":"that means, though, is that"},{"speaker":"Dr Dionne Payn","startTime":795.75,"endTime":798.84,"body":"people that aren't in on that"},{"speaker":"Dr Dionne Payn","startTime":799.08,"endTime":802.65,"body":"secret to creating wealth"},{"speaker":"Dr Dionne Payn","startTime":799.08,"endTime":802.65,"body":"through property, don't get left"},{"speaker":"Dr Dionne Payn","startTime":802.65,"endTime":806.25,"body":"behind, because everything's"},{"speaker":"Dr Dionne Payn","startTime":802.65,"endTime":806.25,"body":"done at their expense. So as an"},{"speaker":"Dr Dionne Payn","startTime":806.25,"endTime":811.5,"body":"example, and I'm not bagging"},{"speaker":"Dr Dionne Payn","startTime":806.25,"endTime":811.5,"body":"Airbnb, per se, I stayed in an"},{"speaker":"Dr Dionne Payn","startTime":811.5,"endTime":816.72,"body":"Airbnb property last week, it"},{"speaker":"Dr Dionne Payn","startTime":811.5,"endTime":816.72,"body":"was fantastic. But when you've"},{"speaker":"Dr Dionne Payn","startTime":816.72,"endTime":821.52,"body":"got people that accumulate"},{"speaker":"Dr Dionne Payn","startTime":816.72,"endTime":821.52,"body":"properties, and then you've got"},{"speaker":"Dr Dionne Payn","startTime":821.52,"endTime":825.57,"body":"supply and demand issues, one of"},{"speaker":"Dr Dionne Payn","startTime":821.52,"endTime":825.57,"body":"the things that happened during"},{"speaker":"Dr Dionne Payn","startTime":825.57,"endTime":828.12,"body":"the pandemic was because we"},{"speaker":"Dr Dionne Payn","startTime":825.57,"endTime":828.12,"body":"realized that we could work from"},{"speaker":"Dr Dionne Payn","startTime":828.12,"endTime":832.53,"body":"anywhere. And it meant that"},{"speaker":"Dr Dionne Payn","startTime":828.12,"endTime":832.53,"body":"people in the capital cities"},{"speaker":"Dr Dionne Payn","startTime":832.53,"endTime":835.65,"body":"that were earning capital, city"},{"speaker":"Dr Dionne Payn","startTime":832.53,"endTime":835.65,"body":"money, were able to go to the"},{"speaker":"Dr Dionne Payn","startTime":835.65,"endTime":841.23,"body":"regions and then purchase"},{"speaker":"Dr Dionne Payn","startTime":835.65,"endTime":841.23,"body":"properties for the great value"},{"speaker":"Dr Dionne Payn","startTime":841.23,"endTime":845.49,"body":"for them. But then it just meant"},{"speaker":"Dr Dionne Payn","startTime":841.23,"endTime":845.49,"body":"that prices went up because the"},{"speaker":"Dr Dionne Payn","startTime":845.7,"endTime":852.21,"body":"the demand went up and the"},{"speaker":"Dr Dionne Payn","startTime":845.7,"endTime":852.21,"body":"supply didn't. So that has meant"},{"speaker":"Dr Dionne Payn","startTime":852.3,"endTime":857.76,"body":"that a lot of people either in"},{"speaker":"Dr Dionne Payn","startTime":852.3,"endTime":857.76,"body":"renting or in purchasing haven't"},{"speaker":"Dr Dionne Payn","startTime":857.76,"endTime":860.61,"body":"been able to purchase. So we're"},{"speaker":"Dr Dionne Payn","startTime":857.76,"endTime":860.61,"body":"talking about people that may"},{"speaker":"Dr Dionne Payn","startTime":860.61,"endTime":864.45,"body":"have been may have lived in that"},{"speaker":"Dr Dionne Payn","startTime":860.61,"endTime":864.45,"body":"community for a long time. And"},{"speaker":"Dr Dionne Payn","startTime":864.45,"endTime":867.72,"body":"they are now out priced. So"},{"speaker":"Dr Dionne Payn","startTime":864.45,"endTime":867.72,"body":"that's one aspect. And then"},{"speaker":"Dr Dionne Payn","startTime":867.72,"endTime":870.87,"body":"you've got the Airbnb aspect"},{"speaker":"Dr Dionne Payn","startTime":867.72,"endTime":870.87,"body":"where landlords realize, yeah,"},{"speaker":"Dr Dionne Payn","startTime":870.87,"endTime":873.78,"body":"we can make a lot of money"},{"speaker":"Dr Dionne Payn","startTime":870.87,"endTime":873.78,"body":"through renting our properties"},{"speaker":"Dr Dionne Payn","startTime":873.78,"endTime":877.35,"body":"through Airbnb, but then that's"},{"speaker":"Dr Dionne Payn","startTime":873.78,"endTime":877.35,"body":"at the expense of the community"},{"speaker":"Dr Dionne Payn","startTime":877.35,"endTime":881.31,"body":"that live homes. And so then"},{"speaker":"Dr Dionne Payn","startTime":877.35,"endTime":881.31,"body":"you've got this challenge"},{"speaker":"Dr Dionne Payn","startTime":881.31,"endTime":884.79,"body":"because the people who are"},{"speaker":"Dr Dionne Payn","startTime":881.31,"endTime":884.79,"body":"making the coffee's who are"},{"speaker":"Dr Dionne Payn","startTime":885.18,"endTime":889.05,"body":"doing the childcare who are"},{"speaker":"Dr Dionne Payn","startTime":885.18,"endTime":889.05,"body":"working in the retail shops,"},{"speaker":"Dr Dionne Payn","startTime":889.89,"endTime":896.01,"body":"they can't live in the locations"},{"speaker":"Dr Dionne Payn","startTime":889.89,"endTime":896.01,"body":"in which they work. And so even"},{"speaker":"Dr Dionne Payn","startTime":896.01,"endTime":898.92,"body":"though you get a lot of tourism"},{"speaker":"Dr Dionne Payn","startTime":896.01,"endTime":898.92,"body":"and a lot of tourism dollars,"},{"speaker":"Dr Dionne Payn","startTime":898.92,"endTime":901.89,"body":"there's actually nobody to"},{"speaker":"Dr Dionne Payn","startTime":898.92,"endTime":901.89,"body":"Really service that tourism"},{"speaker":"Dr Dionne Payn","startTime":901.89,"endTime":905.52,"body":"industry. So it's just out of"},{"speaker":"Dr Dionne Payn","startTime":901.89,"endTime":905.52,"body":"balance at the moment. And I"},{"speaker":"Dr Dionne Payn","startTime":905.52,"endTime":908.25,"body":"think that we can bring that"},{"speaker":"Dr Dionne Payn","startTime":905.52,"endTime":908.25,"body":"into balance. And I know that"},{"speaker":"Dr Dionne Payn","startTime":908.25,"endTime":914.07,"body":"there's definitely moves to"},{"speaker":"Dr Dionne Payn","startTime":908.25,"endTime":914.07,"body":"doing that. I think that the"},{"speaker":"Dr Dionne Payn","startTime":914.07,"endTime":916.56,"body":"government is starting to"},{"speaker":"Dr Dionne Payn","startTime":914.07,"endTime":916.56,"body":"recognize the scale of the"},{"speaker":"Dr Dionne Payn","startTime":916.56,"endTime":920.82,"body":"problem. And they're doing some"},{"speaker":"Dr Dionne Payn","startTime":916.56,"endTime":920.82,"body":"things about that, then they're"},{"speaker":"Dr Dionne Payn","startTime":920.82,"endTime":924.45,"body":"definitely putting more money"},{"speaker":"Dr Dionne Payn","startTime":920.82,"endTime":924.45,"body":"into creating affordable"},{"speaker":"Dr Dionne Payn","startTime":924.45,"endTime":931.11,"body":"housing, and working with"},{"speaker":"Dr Dionne Payn","startTime":924.45,"endTime":931.11,"body":"industry and super funds to make"},{"speaker":"Dr Dionne Payn","startTime":931.11,"endTime":935.13,"body":"that flow of capital more"},{"speaker":"Dr Dionne Payn","startTime":931.11,"endTime":935.13,"body":"available. But essentially, what"},{"speaker":"Dr Dionne Payn","startTime":935.13,"endTime":938.16,"body":"I see is the problem is if you"},{"speaker":"Dr Dionne Payn","startTime":935.13,"endTime":938.16,"body":"don't have a safe, secure and"},{"speaker":"Dr Dionne Payn","startTime":938.16,"endTime":942.9,"body":"affordable home, and you're"},{"speaker":"Dr Dionne Payn","startTime":938.16,"endTime":942.9,"body":"spending more than 30% of your"},{"speaker":"Dr Dionne Payn","startTime":942.9,"endTime":946.26,"body":"income on rent, and that's the,"},{"speaker":"Dr Dionne Payn","startTime":942.9,"endTime":946.26,"body":"that's the kind of benchmark for"},{"speaker":"Dr Dionne Payn","startTime":946.29,"endTime":951.18,"body":"affordable housing, then you're"},{"speaker":"Dr Dionne Payn","startTime":946.29,"endTime":951.18,"body":"in housing stress, then you're"},{"speaker":"Dr Dionne Payn","startTime":951.18,"endTime":955.38,"body":"in survival mode, then you can't"},{"speaker":"Dr Dionne Payn","startTime":951.18,"endTime":955.38,"body":"think creatively. And the"},{"speaker":"Dr Dionne Payn","startTime":955.41,"endTime":958.71,"body":"implication of that on the"},{"speaker":"Dr Dionne Payn","startTime":955.41,"endTime":958.71,"body":"society in which we live, we"},{"speaker":"Dr Dionne Payn","startTime":958.71,"endTime":962.64,"body":"then ended up with a lot of"},{"speaker":"Dr Dionne Payn","startTime":958.71,"endTime":962.64,"body":"stressed people that are not at"},{"speaker":"Dr Dionne Payn","startTime":962.64,"endTime":966.09,"body":"their best with children who"},{"speaker":"Dr Dionne Payn","startTime":962.64,"endTime":966.09,"body":"were in an environment where"},{"speaker":"Dr Dionne Payn","startTime":966.12,"endTime":968.88,"body":"parents are squabbling about"},{"speaker":"Dr Dionne Payn","startTime":966.12,"endTime":968.88,"body":"money, where there's separation,"},{"speaker":"Dr Dionne Payn","startTime":968.88,"endTime":971.19,"body":"where there's divorce, where"},{"speaker":"Dr Dionne Payn","startTime":968.88,"endTime":971.19,"body":"there's mental health issues,"},{"speaker":"Dr Dionne Payn","startTime":971.46,"endTime":975.3,"body":"this is not healthy for us as a"},{"speaker":"Dr Dionne Payn","startTime":971.46,"endTime":975.3,"body":"society. So this is the reason"},{"speaker":"Dr Dionne Payn","startTime":975.3,"endTime":976.29,"body":"that we need to change it."},{"speaker":"Victor Lagos","startTime":976.59,"endTime":978.96,"body":"Yeah, that's"},{"speaker":"Victor Lagos","startTime":976.59,"endTime":978.96,"body":"powerful. And it's one of the"},{"speaker":"Victor Lagos","startTime":978.96,"endTime":982.71,"body":"reasons why I started this"},{"speaker":"Victor Lagos","startTime":978.96,"endTime":982.71,"body":"podcast, because, you know, it's"},{"speaker":"Victor Lagos","startTime":982.71,"endTime":986.07,"body":"called that to financial"},{"speaker":"Victor Lagos","startTime":982.71,"endTime":986.07,"body":"freedom. And there's many people"},{"speaker":"Victor Lagos","startTime":986.07,"endTime":990.69,"body":"that have very, very low on that"},{"speaker":"Victor Lagos","startTime":986.07,"endTime":990.69,"body":"spectrum. They've got that they"},{"speaker":"Victor Lagos","startTime":990.69,"endTime":994.86,"body":"can't even afford their rent. So"},{"speaker":"Victor Lagos","startTime":990.69,"endTime":994.86,"body":"financial freedom is, is a pipe"},{"speaker":"Victor Lagos","startTime":994.86,"endTime":997.35,"body":"dream for them. They don't even"},{"speaker":"Victor Lagos","startTime":994.86,"endTime":997.35,"body":"know what it is. They're just"},{"speaker":"Victor Lagos","startTime":997.44,"endTime":1002.12,"body":"like you said, they're in"},{"speaker":"Victor Lagos","startTime":997.44,"endTime":1002.12,"body":"survival. So what you're doing"},{"speaker":"Victor Lagos","startTime":1002.12,"endTime":1005.54,"body":"is obviously, really powerful."},{"speaker":"Victor Lagos","startTime":1002.12,"endTime":1005.54,"body":"Because you're, you're not"},{"speaker":"Victor Lagos","startTime":1005.54,"endTime":1008.84,"body":"thinking about how much can I"},{"speaker":"Victor Lagos","startTime":1005.54,"endTime":1008.84,"body":"earn by accumulating more"},{"speaker":"Victor Lagos","startTime":1008.84,"endTime":1013.82,"body":"property? It's how many people"},{"speaker":"Victor Lagos","startTime":1008.84,"endTime":1013.82,"body":"can I serve? How many tenants"},{"speaker":"Victor Lagos","startTime":1013.82,"endTime":1017.48,"body":"that really need homes that can"},{"speaker":"Victor Lagos","startTime":1013.82,"endTime":1017.48,"body":"afford to live in these areas"},{"speaker":"Victor Lagos","startTime":1017.78,"endTime":1022.46,"body":"can I provide for, and you're"},{"speaker":"Victor Lagos","startTime":1017.78,"endTime":1022.46,"body":"collaborating with a larger"},{"speaker":"Victor Lagos","startTime":1022.46,"endTime":1026.12,"body":"network that shares that vision"},{"speaker":"Victor Lagos","startTime":1022.46,"endTime":1026.12,"body":"that shares that mission, and"},{"speaker":"Victor Lagos","startTime":1026.12,"endTime":1029.3,"body":"you can make a larger impact and"},{"speaker":"Victor Lagos","startTime":1026.12,"endTime":1029.3,"body":"you're waiting for government?"},{"speaker":"Victor Lagos","startTime":1029.63,"endTime":1033.86,"body":"No government are helping, but"},{"speaker":"Victor Lagos","startTime":1029.63,"endTime":1033.86,"body":"this just allows you to, to"},{"speaker":"Victor Lagos","startTime":1033.86,"endTime":1035.48,"body":"reach more and do more."},{"speaker":"Dr Dionne Payn","startTime":1035.72,"endTime":1038.06,"body":"Yeah, that's"},{"speaker":"Dr Dionne Payn","startTime":1035.72,"endTime":1038.06,"body":"been 2%, I think it's worth"},{"speaker":"Dr Dionne Payn","startTime":1038.06,"endTime":1042.35,"body":"making the distinction between"},{"speaker":"Dr Dionne Payn","startTime":1038.06,"endTime":1042.35,"body":"different income levels. So"},{"speaker":"Dr Dionne Payn","startTime":1042.35,"endTime":1047.69,"body":"you've got people that are on"},{"speaker":"Dr Dionne Payn","startTime":1042.35,"endTime":1047.69,"body":"very low incomes. And that would"},{"speaker":"Dr Dionne Payn","startTime":1047.75,"endTime":1050.84,"body":"the housing requirements for"},{"speaker":"Dr Dionne Payn","startTime":1047.75,"endTime":1050.84,"body":"them are typically social"},{"speaker":"Dr Dionne Payn","startTime":1050.87,"endTime":1053.84,"body":"housing. And that's an area"},{"speaker":"Dr Dionne Payn","startTime":1050.87,"endTime":1053.84,"body":"where government should really"},{"speaker":"Dr Dionne Payn","startTime":1053.84,"endTime":1059.39,"body":"be stepping up into, then you've"},{"speaker":"Dr Dionne Payn","startTime":1053.84,"endTime":1059.39,"body":"got affordable housing, which is"},{"speaker":"Dr Dionne Payn","startTime":1060.23,"endTime":1063.62,"body":"for people that like your"},{"speaker":"Dr Dionne Payn","startTime":1060.23,"endTime":1063.62,"body":"essential workers, for example,"},{"speaker":"Dr Dionne Payn","startTime":1063.62,"endTime":1066.44,"body":"like your childcare workers,"},{"speaker":"Dr Dionne Payn","startTime":1063.62,"endTime":1066.44,"body":"your ambulance drivers, your"},{"speaker":"Dr Dionne Payn","startTime":1066.44,"endTime":1069.71,"body":"nurses, your police, that sort"},{"speaker":"Dr Dionne Payn","startTime":1066.44,"endTime":1069.71,"body":"of thing. So these are people"},{"speaker":"Dr Dionne Payn","startTime":1069.71,"endTime":1074.03,"body":"that have got really good jobs"},{"speaker":"Dr Dionne Payn","startTime":1069.71,"endTime":1074.03,"body":"and a decent incomes and stable,"},{"speaker":"Dr Dionne Payn","startTime":1074.78,"endTime":1079.67,"body":"but they're still being priced"},{"speaker":"Dr Dionne Payn","startTime":1074.78,"endTime":1079.67,"body":"out of the market. So one of the"},{"speaker":"Dr Dionne Payn","startTime":1080.87,"endTime":1083.12,"body":"they're not a developer, they're"},{"speaker":"Dr Dionne Payn","startTime":1080.87,"endTime":1083.12,"body":"actually a fund manager, they're"},{"speaker":"Dr Dionne Payn","startTime":1083.12,"endTime":1087.56,"body":"putting together a Shared Equity"},{"speaker":"Dr Dionne Payn","startTime":1083.12,"endTime":1087.56,"body":"scheme to help people. So"},{"speaker":"Dr Dionne Payn","startTime":1087.59,"endTime":1092.6,"body":"essentially, a police person"},{"speaker":"Dr Dionne Payn","startTime":1087.59,"endTime":1092.6,"body":"could be working in Sydney,"},{"speaker":"Dr Dionne Payn","startTime":1093.11,"endTime":1097.04,"body":"property prices in Sydney start"},{"speaker":"Dr Dionne Payn","startTime":1093.11,"endTime":1097.04,"body":"off at 1,000,001 Point 2"},{"speaker":"Dr Dionne Payn","startTime":1097.04,"endTime":1100.43,"body":"million, something like that. So"},{"speaker":"Dr Dionne Payn","startTime":1097.04,"endTime":1100.43,"body":"this farm design will look we"},{"speaker":"Dr Dionne Payn","startTime":1100.43,"endTime":1106.85,"body":"will chip in the 20% deposit for"},{"speaker":"Dr Dionne Payn","startTime":1100.43,"endTime":1106.85,"body":"you, you get your 80% loan, and"},{"speaker":"Dr Dionne Payn","startTime":1106.85,"endTime":1109.79,"body":"then we'll share in the capital"},{"speaker":"Dr Dionne Payn","startTime":1106.85,"endTime":1109.79,"body":"growth that happens over a"},{"speaker":"Dr Dionne Payn","startTime":1109.79,"endTime":1115.64,"body":"period of time. And so it's"},{"speaker":"Dr Dionne Payn","startTime":1109.79,"endTime":1115.64,"body":"taking that it's not a win lose"},{"speaker":"Dr Dionne Payn","startTime":1115.67,"endTime":1119.75,"body":"anymore. It's a win win. It's"},{"speaker":"Dr Dionne Payn","startTime":1115.67,"endTime":1119.75,"body":"like we win alongside you. And"},{"speaker":"Dr Dionne Payn","startTime":1119.75,"endTime":1123.44,"body":"then what that means is that"},{"speaker":"Dr Dionne Payn","startTime":1119.75,"endTime":1123.44,"body":"that police person can live in"},{"speaker":"Dr Dionne Payn","startTime":1123.44,"endTime":1126.5,"body":"the area that they work in, they"},{"speaker":"Dr Dionne Payn","startTime":1123.44,"endTime":1126.5,"body":"can be more present, they're not"},{"speaker":"Dr Dionne Payn","startTime":1126.5,"endTime":1130.76,"body":"as stressed. You know, there's"},{"speaker":"Dr Dionne Payn","startTime":1126.5,"endTime":1130.76,"body":"so many challenges that happen"},{"speaker":"Dr Dionne Payn","startTime":1130.76,"endTime":1135.29,"body":"for police, maybe sorting out"},{"speaker":"Dr Dionne Payn","startTime":1130.76,"endTime":1135.29,"body":"the affordable housing crisis"},{"speaker":"Dr Dionne Payn","startTime":1135.29,"endTime":1138.92,"body":"for police and for nurses and"},{"speaker":"Dr Dionne Payn","startTime":1135.29,"endTime":1138.92,"body":"what have you will lead to"},{"speaker":"Dr Dionne Payn","startTime":1138.92,"endTime":1142.49,"body":"better outcomes in each of those"},{"speaker":"Dr Dionne Payn","startTime":1138.92,"endTime":1142.49,"body":"industries and each of those"},{"speaker":"Dr Dionne Payn","startTime":1142.49,"endTime":1143.09,"body":"services."},{"speaker":"Victor Lagos","startTime":1143.33,"endTime":1145.79,"body":"Totally agree. So"},{"speaker":"Victor Lagos","startTime":1143.33,"endTime":1145.79,"body":"that's, that's really the"},{"speaker":"Victor Lagos","startTime":1145.79,"endTime":1150.59,"body":"solution that you're you're"},{"speaker":"Victor Lagos","startTime":1145.79,"endTime":1150.59,"body":"working on? How can how can"},{"speaker":"Victor Lagos","startTime":1150.59,"endTime":1152.09,"body":"people and investors get"},{"speaker":"Victor Lagos","startTime":1150.59,"endTime":1152.09,"body":"involved in"},{"speaker":"Dr Dionne Payn","startTime":1153.2,"endTime":1157.55,"body":"capital? There's"},{"speaker":"Dr Dionne Payn","startTime":1153.2,"endTime":1157.55,"body":"always a need for capital. And I"},{"speaker":"Dr Dionne Payn","startTime":1157.58,"endTime":1163.52,"body":"look as an example, somebody"},{"speaker":"Dr Dionne Payn","startTime":1157.58,"endTime":1163.52,"body":"that was looking to purchase a"},{"speaker":"Dr Dionne Payn","startTime":1163.52,"endTime":1167.42,"body":"home to rent out and of course,"},{"speaker":"Dr Dionne Payn","startTime":1163.52,"endTime":1167.42,"body":"that there is nothing wrong with"},{"speaker":"Dr Dionne Payn","startTime":1167.42,"endTime":1169.58,"body":"renting out property, there's"},{"speaker":"Dr Dionne Payn","startTime":1167.42,"endTime":1169.58,"body":"nothing wrong with purchasing an"},{"speaker":"Dr Dionne Payn","startTime":1169.58,"endTime":1176.54,"body":"investment property. I think the"},{"speaker":"Dr Dionne Payn","startTime":1169.58,"endTime":1176.54,"body":"the way that we do it now just"},{"speaker":"Dr Dionne Payn","startTime":1176.54,"endTime":1179.0,"body":"has to be different. The way"},{"speaker":"Dr Dionne Payn","startTime":1176.54,"endTime":1179.0,"body":"that we do it, rather than"},{"speaker":"Dr Dionne Payn","startTime":1179.3,"endTime":1182.57,"body":"squeezing every last piece of"},{"speaker":"Dr Dionne Payn","startTime":1179.3,"endTime":1182.57,"body":"juice out of somebody just has"},{"speaker":"Dr Dionne Payn","startTime":1182.57,"endTime":1185.66,"body":"to be a cable How can we do this"},{"speaker":"Dr Dionne Payn","startTime":1182.57,"endTime":1185.66,"body":"in a way where everybody wins."},{"speaker":"Dr Dionne Payn","startTime":1186.41,"endTime":1191.81,"body":"So as an example, there are"},{"speaker":"Dr Dionne Payn","startTime":1186.41,"endTime":1191.81,"body":"property investments that you"},{"speaker":"Dr Dionne Payn","startTime":1191.81,"endTime":1195.59,"body":"can get where as an investor,"},{"speaker":"Dr Dionne Payn","startTime":1191.81,"endTime":1195.59,"body":"you can be earning a 10% return"},{"speaker":"Dr Dionne Payn","startTime":1195.59,"endTime":1202.1,"body":"per annum on your investments"},{"speaker":"Dr Dionne Payn","startTime":1195.59,"endTime":1202.1,"body":"and that Is that then means that"},{"speaker":"Dr Dionne Payn","startTime":1202.1,"endTime":1205.73,"body":"that property is cashflow"},{"speaker":"Dr Dionne Payn","startTime":1202.1,"endTime":1205.73,"body":"positive, it means that the"},{"speaker":"Dr Dionne Payn","startTime":1206.21,"endTime":1210.02,"body":"tenants are achieving an"},{"speaker":"Dr Dionne Payn","startTime":1206.21,"endTime":1210.02,"body":"affordable rent. And that's a"},{"speaker":"Dr Dionne Payn","startTime":1210.02,"endTime":1214.1,"body":"win win now that that type of"},{"speaker":"Dr Dionne Payn","startTime":1210.02,"endTime":1214.1,"body":"property investing, there's lots"},{"speaker":"Dr Dionne Payn","startTime":1214.1,"endTime":1217.43,"body":"of them that one example of them"},{"speaker":"Dr Dionne Payn","startTime":1214.1,"endTime":1217.43,"body":"is CO living. So that's"},{"speaker":"Dr Dionne Payn","startTime":1217.43,"endTime":1221.93,"body":"basically where you create a"},{"speaker":"Dr Dionne Payn","startTime":1217.43,"endTime":1221.93,"body":"space for create a house where"},{"speaker":"Dr Dionne Payn","startTime":1221.96,"endTime":1226.01,"body":"multiple people can live in that"},{"speaker":"Dr Dionne Payn","startTime":1221.96,"endTime":1226.01,"body":"house. And in each environment,"},{"speaker":"Dr Dionne Payn","startTime":1226.04,"endTime":1228.8,"body":"in each council, the rules are"},{"speaker":"Dr Dionne Payn","startTime":1226.04,"endTime":1228.8,"body":"going to be slightly different,"},{"speaker":"Dr Dionne Payn","startTime":1228.8,"endTime":1233.15,"body":"but essentially, the the amount"},{"speaker":"Dr Dionne Payn","startTime":1228.8,"endTime":1233.15,"body":"of money that you can get, or"},{"speaker":"Dr Dionne Payn","startTime":1233.15,"endTime":1234.98,"body":"the amount of rent that you can"},{"speaker":"Dr Dionne Payn","startTime":1233.15,"endTime":1234.98,"body":"get, because you're going to get"},{"speaker":"Dr Dionne Payn","startTime":1234.98,"endTime":1239.33,"body":"from four or five individual"},{"speaker":"Dr Dionne Payn","startTime":1234.98,"endTime":1239.33,"body":"people means that your expenses"},{"speaker":"Dr Dionne Payn","startTime":1239.33,"endTime":1241.82,"body":"are covered, and there's"},{"speaker":"Dr Dionne Payn","startTime":1239.33,"endTime":1241.82,"body":"positive cash flow there. But"},{"speaker":"Dr Dionne Payn","startTime":1241.82,"endTime":1244.46,"body":"each of those people are paying"},{"speaker":"Dr Dionne Payn","startTime":1241.82,"endTime":1244.46,"body":"an affordable rent. And I"},{"speaker":"Dr Dionne Payn","startTime":1244.46,"endTime":1246.86,"body":"remember the very first project"},{"speaker":"Dr Dionne Payn","startTime":1244.46,"endTime":1246.86,"body":"that I introduced to you,"},{"speaker":"Dr Dionne Payn","startTime":1246.86,"endTime":1249.98,"body":"Victor, that was the case where"},{"speaker":"Dr Dionne Payn","startTime":1246.86,"endTime":1249.98,"body":"though the house was being built"},{"speaker":"Dr Dionne Payn","startTime":1249.98,"endTime":1254.6,"body":"for four older women, each of"},{"speaker":"Dr Dionne Payn","startTime":1249.98,"endTime":1254.6,"body":"them were paying $250 a week, it"},{"speaker":"Dr Dionne Payn","startTime":1254.6,"endTime":1257.6,"body":"wasn't actually built in the"},{"speaker":"Dr Dionne Payn","startTime":1254.6,"endTime":1257.6,"body":"end. But the idea was, each of"},{"speaker":"Dr Dionne Payn","startTime":1257.6,"endTime":1261.98,"body":"them would pay $250 a week,"},{"speaker":"Dr Dionne Payn","startTime":1257.6,"endTime":1261.98,"body":"which meant that the cash flow"},{"speaker":"Dr Dionne Payn","startTime":1261.98,"endTime":1266.6,"body":"for the investor that owned that"},{"speaker":"Dr Dionne Payn","startTime":1261.98,"endTime":1266.6,"body":"property was was positive. So"},{"speaker":"Dr Dionne Payn","startTime":1266.78,"endTime":1269.84,"body":"essentially, they ended up with"},{"speaker":"Dr Dionne Payn","startTime":1266.78,"endTime":1269.84,"body":"more money in their pocket than"},{"speaker":"Dr Dionne Payn","startTime":1269.87,"endTime":1273.53,"body":"if they didn't. And in that way,"},{"speaker":"Dr Dionne Payn","startTime":1269.87,"endTime":1273.53,"body":"they were able to support four"},{"speaker":"Dr Dionne Payn","startTime":1273.53,"endTime":1278.03,"body":"people in that home. And the"},{"speaker":"Dr Dionne Payn","startTime":1273.53,"endTime":1278.03,"body":"impact was greater."},{"speaker":"Victor Lagos","startTime":1278.24,"endTime":1283.04,"body":"And yeah, I do"},{"speaker":"Victor Lagos","startTime":1278.24,"endTime":1283.04,"body":"remember because what attracted"},{"speaker":"Victor Lagos","startTime":1283.04,"endTime":1287.27,"body":"me was, you know, you talked"},{"speaker":"Victor Lagos","startTime":1283.04,"endTime":1287.27,"body":"about a triple bottom line"},{"speaker":"Victor Lagos","startTime":1287.27,"endTime":1290.96,"body":"approach. So obviously, the"},{"speaker":"Victor Lagos","startTime":1287.27,"endTime":1290.96,"body":"financial one, that's why"},{"speaker":"Victor Lagos","startTime":1290.99,"endTime":1294.41,"body":"investors invest, they want to"},{"speaker":"Victor Lagos","startTime":1290.99,"endTime":1294.41,"body":"get a financial benefit. That's"},{"speaker":"Victor Lagos","startTime":1294.41,"endTime":1300.02,"body":"the environmental. And that's"},{"speaker":"Victor Lagos","startTime":1294.41,"endTime":1300.02,"body":"when he talked about sustainable"},{"speaker":"Victor Lagos","startTime":1300.05,"endTime":1302.45,"body":"project, we haven't really"},{"speaker":"Victor Lagos","startTime":1300.05,"endTime":1302.45,"body":"focused too much about that. But"},{"speaker":"Victor Lagos","startTime":1302.45,"endTime":1305.6,"body":"obviously, everyone's aware"},{"speaker":"Victor Lagos","startTime":1302.45,"endTime":1305.6,"body":"about using materials that are"},{"speaker":"Victor Lagos","startTime":1306.44,"endTime":1309.95,"body":"not going to leave too much of a"},{"speaker":"Victor Lagos","startTime":1306.44,"endTime":1309.95,"body":"carbon footprint, and, you know,"},{"speaker":"Victor Lagos","startTime":1310.01,"endTime":1312.2,"body":"solar power and whatnot,"},{"speaker":"Dr Dionne Payn","startTime":1312.29,"endTime":1315.32,"body":"can I just say,"},{"speaker":"Dr Dionne Payn","startTime":1312.29,"endTime":1315.32,"body":"I met a developer the other day,"},{"speaker":"Dr Dionne Payn","startTime":1315.32,"endTime":1318.32,"body":"so we're talking and I'm hoping"},{"speaker":"Dr Dionne Payn","startTime":1315.32,"endTime":1318.32,"body":"that they're going to be one of"},{"speaker":"Dr Dionne Payn","startTime":1318.32,"endTime":1323.63,"body":"my portfolio of companies."},{"speaker":"Dr Dionne Payn","startTime":1318.32,"endTime":1323.63,"body":"Essentially, the homes that they"},{"speaker":"Dr Dionne Payn","startTime":1323.63,"endTime":1330.53,"body":"build us produce two times as"},{"speaker":"Dr Dionne Payn","startTime":1323.63,"endTime":1330.53,"body":"much energy as they can see. So"},{"speaker":"Dr Dionne Payn","startTime":1330.53,"endTime":1334.01,"body":"essentially, they could be their"},{"speaker":"Dr Dionne Payn","startTime":1330.53,"endTime":1334.01,"body":"parents themselves, their parent"},{"speaker":"Dr Dionne Payn","startTime":1334.01,"endTime":1336.8,"body":"one home, they could also power"},{"speaker":"Dr Dionne Payn","startTime":1334.01,"endTime":1336.8,"body":"their neighbor as well."},{"speaker":"Victor Lagos","startTime":1337.67,"endTime":1340.19,"body":"Wow, that's"},{"speaker":"Victor Lagos","startTime":1337.67,"endTime":1340.19,"body":"powerful, actually. Is that"},{"speaker":"Victor Lagos","startTime":1340.22,"endTime":1342.11,"body":"something that's already in"},{"speaker":"Victor Lagos","startTime":1340.22,"endTime":1342.11,"body":"operation?"},{"speaker":"Dr Dionne Payn","startTime":1342.23,"endTime":1345.83,"body":"Yeah, well"},{"speaker":"Dr Dionne Payn","startTime":1342.23,"endTime":1345.83,"body":"tested, already in operation all"},{"speaker":"Dr Dionne Payn","startTime":1345.83,"endTime":1348.65,"body":"around Australia. And the"},{"speaker":"Dr Dionne Payn","startTime":1345.83,"endTime":1348.65,"body":"developer, this particular"},{"speaker":"Dr Dionne Payn","startTime":1348.65,"endTime":1352.94,"body":"developer is in Victoria. And so"},{"speaker":"Dr Dionne Payn","startTime":1348.65,"endTime":1352.94,"body":"we're in talks as to how we can"},{"speaker":"Dr Dionne Payn","startTime":1352.94,"endTime":1353.9,"body":"scale that with them."},{"speaker":"Victor Lagos","startTime":1354.8,"endTime":1356.99,"body":"Yeah, there's no"},{"speaker":"Victor Lagos","startTime":1354.8,"endTime":1356.99,"body":"real end, you can put on this."},{"speaker":"Victor Lagos","startTime":1356.99,"endTime":1360.38,"body":"There's so much potential you"},{"speaker":"Victor Lagos","startTime":1356.99,"endTime":1360.38,"body":"can be I provide the materials"},{"speaker":"Victor Lagos","startTime":1360.38,"endTime":1364.49,"body":"for other builders and, you"},{"speaker":"Victor Lagos","startTime":1360.38,"endTime":1364.49,"body":"know, investors or homebuyers"},{"speaker":"Victor Lagos","startTime":1364.49,"endTime":1367.37,"body":"can start to be more conscious"},{"speaker":"Victor Lagos","startTime":1364.49,"endTime":1367.37,"body":"about who they work with, what"},{"speaker":"Victor Lagos","startTime":1367.37,"endTime":1372.23,"body":"builders and what materials they"},{"speaker":"Victor Lagos","startTime":1367.37,"endTime":1372.23,"body":"use. And the other part was the"},{"speaker":"Victor Lagos","startTime":1372.23,"endTime":1374.66,"body":"social impact, right? And that's"},{"speaker":"Victor Lagos","startTime":1372.23,"endTime":1374.66,"body":"what you talked about earlier"},{"speaker":"Victor Lagos","startTime":1374.66,"endTime":1378.14,"body":"about community. Can you expand"},{"speaker":"Victor Lagos","startTime":1374.66,"endTime":1378.14,"body":"on that a little bit about how"},{"speaker":"Victor Lagos","startTime":1378.2,"endTime":1381.53,"body":"it does help a community and how"},{"speaker":"Victor Lagos","startTime":1378.2,"endTime":1381.53,"body":"it can? how communities can work"},{"speaker":"Victor Lagos","startTime":1381.53,"endTime":1384.05,"body":"together in these types of"},{"speaker":"Victor Lagos","startTime":1381.53,"endTime":1384.05,"body":"projects?"},{"speaker":"Dr Dionne Payn","startTime":1384.65,"endTime":1390.71,"body":"Okay, so I think"},{"speaker":"Dr Dionne Payn","startTime":1384.65,"endTime":1390.71,"body":"of the initial projects that I"},{"speaker":"Dr Dionne Payn","startTime":1390.71,"endTime":1394.4,"body":"spoke about the 14 townhouse"},{"speaker":"Dr Dionne Payn","startTime":1390.71,"endTime":1394.4,"body":"projects, and what that meant"},{"speaker":"Dr Dionne Payn","startTime":1394.4,"endTime":1398.48,"body":"for that particular community"},{"speaker":"Dr Dionne Payn","startTime":1394.4,"endTime":1398.48,"body":"were that people that had lower"},{"speaker":"Dr Dionne Payn","startTime":1398.48,"endTime":1401.21,"body":"incomes could actually be part"},{"speaker":"Dr Dionne Payn","startTime":1398.48,"endTime":1401.21,"body":"of that community, which then"},{"speaker":"Dr Dionne Payn","startTime":1401.21,"endTime":1405.86,"body":"means that that community is"},{"speaker":"Dr Dionne Payn","startTime":1401.21,"endTime":1405.86,"body":"more diverse, rather than"},{"speaker":"Dr Dionne Payn","startTime":1405.89,"endTime":1409.82,"body":"homogenous. In that diversity of"},{"speaker":"Dr Dionne Payn","startTime":1405.89,"endTime":1409.82,"body":"community, you've got people"},{"speaker":"Dr Dionne Payn","startTime":1409.82,"endTime":1414.65,"body":"with different skills. So you've"},{"speaker":"Dr Dionne Payn","startTime":1409.82,"endTime":1414.65,"body":"got artists and people that are"},{"speaker":"Dr Dionne Payn","startTime":1415.31,"endTime":1419.21,"body":"there to, you know, childcare"},{"speaker":"Dr Dionne Payn","startTime":1415.31,"endTime":1419.21,"body":"workers, for example, or care"},{"speaker":"Dr Dionne Payn","startTime":1419.21,"endTime":1426.59,"body":"workers for aged care, doctors"},{"speaker":"Dr Dionne Payn","startTime":1419.21,"endTime":1426.59,"body":"that were living by themselves"},{"speaker":"Dr Dionne Payn","startTime":1426.59,"endTime":1431.45,"body":"or teachers, so then it just"},{"speaker":"Dr Dionne Payn","startTime":1426.59,"endTime":1431.45,"body":"supports that diversity of the"},{"speaker":"Dr Dionne Payn","startTime":1431.45,"endTime":1437.72,"body":"community, which I just believe"},{"speaker":"Dr Dionne Payn","startTime":1431.45,"endTime":1437.72,"body":"is better. That's, that's a very"},{"speaker":"Dr Dionne Payn","startTime":1437.72,"endTime":1442.43,"body":"subjective statement. But it's,"},{"speaker":"Dr Dionne Payn","startTime":1437.72,"endTime":1442.43,"body":"it's like everything,"},{"speaker":"Dr Dionne Payn","startTime":1442.43,"endTime":1446.51,"body":"everybody's got a decent, a"},{"speaker":"Dr Dionne Payn","startTime":1442.43,"endTime":1446.51,"body":"different skill set. And when"},{"speaker":"Dr Dionne Payn","startTime":1446.51,"endTime":1450.41,"body":"you combine those different"},{"speaker":"Dr Dionne Payn","startTime":1446.51,"endTime":1450.41,"body":"skill sets, then so much more"},{"speaker":"Dr Dionne Payn","startTime":1450.41,"endTime":1454.28,"body":"can be achieved. And so I just"},{"speaker":"Dr Dionne Payn","startTime":1450.41,"endTime":1454.28,"body":"believe that when you provide"},{"speaker":"Dr Dionne Payn","startTime":1454.28,"endTime":1459.02,"body":"affordable housing for people,"},{"speaker":"Dr Dionne Payn","startTime":1454.28,"endTime":1459.02,"body":"and they do feel safe in those"},{"speaker":"Dr Dionne Payn","startTime":1459.02,"endTime":1464.36,"body":"communities, because they're not"},{"speaker":"Dr Dionne Payn","startTime":1459.02,"endTime":1464.36,"body":"having that stress of not being"},{"speaker":"Dr Dionne Payn","startTime":1464.36,"endTime":1468.8,"body":"able to pay their rent, you just"},{"speaker":"Dr Dionne Payn","startTime":1464.36,"endTime":1468.8,"body":"get better connections between"},{"speaker":"Dr Dionne Payn","startTime":1468.8,"endTime":1472.31,"body":"people. And actually what I"},{"speaker":"Dr Dionne Payn","startTime":1468.8,"endTime":1472.31,"body":"think is happening in the world"},{"speaker":"Dr Dionne Payn","startTime":1472.31,"endTime":1476.51,"body":"today, a lot of the reasons for"},{"speaker":"Dr Dionne Payn","startTime":1472.31,"endTime":1476.51,"body":"the issues that we have are that"},{"speaker":"Dr Dionne Payn","startTime":1476.51,"endTime":1481.01,"body":"there's that disconnection"},{"speaker":"Dr Dionne Payn","startTime":1476.51,"endTime":1481.01,"body":"between this disconnection of"},{"speaker":"Dr Dionne Payn","startTime":1481.01,"endTime":1484.13,"body":"ourselves, so we're not"},{"speaker":"Dr Dionne Payn","startTime":1481.01,"endTime":1484.13,"body":"connected with ourselves. We're"},{"speaker":"Dr Dionne Payn","startTime":1484.13,"endTime":1486.89,"body":"not connected with other people,"},{"speaker":"Dr Dionne Payn","startTime":1484.13,"endTime":1486.89,"body":"and we're not connected with the"},{"speaker":"Dr Dionne Payn","startTime":1486.89,"endTime":1490.16,"body":"planet. That's where I think a"},{"speaker":"Dr Dionne Payn","startTime":1486.89,"endTime":1490.16,"body":"lot of our problems are stemming"},{"speaker":"Dr Dionne Payn","startTime":1490.16,"endTime":1495.95,"body":"from so once community, or"},{"speaker":"Dr Dionne Payn","startTime":1490.16,"endTime":1495.95,"body":"there's a really good saying, I"},{"speaker":"Dr Dionne Payn","startTime":1495.95,"endTime":1496.73,"body":"can remember"},{"speaker":"Dr Dionne Payn","startTime":1503.81,"endTime":1506.96,"body":"Something along the lines of"},{"speaker":"Dr Dionne Payn","startTime":1503.81,"endTime":1506.96,"body":"community is immunity from"},{"speaker":"Dr Dionne Payn","startTime":1506.96,"endTime":1507.65,"body":"dysfunction."},{"speaker":"Victor Lagos","startTime":1508.76,"endTime":1513.98,"body":"Even that sounds"},{"speaker":"Victor Lagos","startTime":1508.76,"endTime":1513.98,"body":"good. dysfunction. It's true."},{"speaker":"Victor Lagos","startTime":1513.98,"endTime":1517.25,"body":"we're social creatures, you"},{"speaker":"Victor Lagos","startTime":1513.98,"endTime":1517.25,"body":"know, when when people were"},{"speaker":"Victor Lagos","startTime":1517.28,"endTime":1520.73,"body":"isolated through the pandemic,"},{"speaker":"Victor Lagos","startTime":1517.28,"endTime":1520.73,"body":"it really caused a lot of a lot"},{"speaker":"Victor Lagos","startTime":1520.73,"endTime":1521.51,"body":"of stress and"},{"speaker":"Dr Dionne Payn","startTime":1522.68,"endTime":1526.1,"body":"a lot of mental"},{"speaker":"Dr Dionne Payn","startTime":1522.68,"endTime":1526.1,"body":"health issues that I know of the"},{"speaker":"Dr Dionne Payn","startTime":1526.1,"endTime":1531.29,"body":"number of suicides increased."},{"speaker":"Dr Dionne Payn","startTime":1526.1,"endTime":1531.29,"body":"And, and, you know, communities"},{"speaker":"Dr Dionne Payn","startTime":1531.29,"endTime":1535.55,"body":"were really fractured. Because"},{"speaker":"Dr Dionne Payn","startTime":1531.29,"endTime":1535.55,"body":"of that it became a, you know,"},{"speaker":"Dr Dionne Payn","startTime":1535.55,"endTime":1539.63,"body":"sort of an ash tribe and then"},{"speaker":"Dr Dionne Payn","startTime":1535.55,"endTime":1539.63,"body":"tribe and it just wasn't a"},{"speaker":"Dr Dionne Payn","startTime":1539.63,"endTime":1545.18,"body":"healthy space for us to be in."},{"speaker":"Dr Dionne Payn","startTime":1539.63,"endTime":1545.18,"body":"So that's that's kind of from"},{"speaker":"Dr Dionne Payn","startTime":1545.21,"endTime":1549.95,"body":"the smaller level, the larger"},{"speaker":"Dr Dionne Payn","startTime":1545.21,"endTime":1549.95,"body":"level of the vision that I see"},{"speaker":"Dr Dionne Payn","startTime":1551.78,"endTime":1557.96,"body":"is in creating communities that"},{"speaker":"Dr Dionne Payn","startTime":1551.78,"endTime":1557.96,"body":"incorporate reforestation,"},{"speaker":"Dr Dionne Payn","startTime":1558.02,"endTime":1563.72,"body":"regenerative agriculture, work"},{"speaker":"Dr Dionne Payn","startTime":1558.02,"endTime":1563.72,"body":"home, and community right at the"},{"speaker":"Dr Dionne Payn","startTime":1563.72,"endTime":1566.69,"body":"center. So whether that's"},{"speaker":"Dr Dionne Payn","startTime":1563.72,"endTime":1566.69,"body":"community gardens, or community"},{"speaker":"Dr Dionne Payn","startTime":1566.69,"endTime":1571.01,"body":"centers, or food coops, that's"},{"speaker":"Dr Dionne Payn","startTime":1566.69,"endTime":1571.01,"body":"what I'm working towards,"},{"speaker":"Dr Dionne Payn","startTime":1571.01,"endTime":1576.56,"body":"because I believe that that then"},{"speaker":"Dr Dionne Payn","startTime":1571.01,"endTime":1576.56,"body":"does provide that reconnection"},{"speaker":"Dr Dionne Payn","startTime":1576.56,"endTime":1578.54,"body":"to ourselves each other."},{"speaker":"Victor Lagos","startTime":1579.5,"endTime":1581.18,"body":"Yeah, that's"},{"speaker":"Victor Lagos","startTime":1579.5,"endTime":1581.18,"body":"powerful, I've recently joined a"},{"speaker":"Victor Lagos","startTime":1581.21,"endTime":1586.4,"body":"community garden actually,"},{"speaker":"Victor Lagos","startTime":1581.21,"endTime":1586.4,"body":"really enjoy it. Yeah, it's, you"},{"speaker":"Victor Lagos","startTime":1586.4,"endTime":1590.51,"body":"know, you get to, you get to see"},{"speaker":"Victor Lagos","startTime":1586.4,"endTime":1590.51,"body":"Mother Nature, again, you get to"},{"speaker":"Victor Lagos","startTime":1590.51,"endTime":1593.96,"body":"see, contribute to something"},{"speaker":"Victor Lagos","startTime":1590.51,"endTime":1593.96,"body":"great, it's organic garden, as"},{"speaker":"Victor Lagos","startTime":1593.96,"endTime":1596.84,"body":"well. So got my little, my wife"},{"speaker":"Victor Lagos","startTime":1593.96,"endTime":1596.84,"body":"and I, we've got a little plot"},{"speaker":"Victor Lagos","startTime":1596.84,"endTime":1600.41,"body":"of land there. So we're just"},{"speaker":"Victor Lagos","startTime":1596.84,"endTime":1600.41,"body":"going to plant some veggies and,"},{"speaker":"Victor Lagos","startTime":1600.5,"endTime":1604.01,"body":"and some, some fruits and, and"},{"speaker":"Victor Lagos","startTime":1600.5,"endTime":1604.01,"body":"it's, it is a community,"},{"speaker":"Victor Lagos","startTime":1604.01,"endTime":1605.27,"body":"everybody shares with each"},{"speaker":"Victor Lagos","startTime":1604.01,"endTime":1605.27,"body":"other."},{"speaker":"Dr Dionne Payn","startTime":1605.93,"endTime":1608.06,"body":"And the"},{"speaker":"Dr Dionne Payn","startTime":1605.93,"endTime":1608.06,"body":"beautiful thing about that is"},{"speaker":"Dr Dionne Payn","startTime":1608.06,"endTime":1611.63,"body":"that you plant a seed, and you"},{"speaker":"Dr Dionne Payn","startTime":1608.06,"endTime":1611.63,"body":"get to see how nature is so"},{"speaker":"Dr Dionne Payn","startTime":1611.63,"endTime":1615.44,"body":"abundant. And then you get to"},{"speaker":"Dr Dionne Payn","startTime":1611.63,"endTime":1615.44,"body":"share in that abundance with the"},{"speaker":"Dr Dionne Payn","startTime":1615.44,"endTime":1622.34,"body":"people around you as well. And I"},{"speaker":"Dr Dionne Payn","startTime":1615.44,"endTime":1622.34,"body":"think I'm kind of riffing here."},{"speaker":"Dr Dionne Payn","startTime":1623.66,"endTime":1627.23,"body":"I don't have a formalized"},{"speaker":"Dr Dionne Payn","startTime":1623.66,"endTime":1627.23,"body":"thought about that. But when you"},{"speaker":"Dr Dionne Payn","startTime":1627.23,"endTime":1631.88,"body":"have that sense of abundance, in"},{"speaker":"Dr Dionne Payn","startTime":1627.23,"endTime":1631.88,"body":"a community that has that sense"},{"speaker":"Dr Dionne Payn","startTime":1631.88,"endTime":1634.28,"body":"of abundance, because you will"},{"speaker":"Dr Dionne Payn","startTime":1631.88,"endTime":1634.28,"body":"get being able to share in that"},{"speaker":"Dr Dionne Payn","startTime":1634.28,"endTime":1637.16,"body":"as well. I think that there's"},{"speaker":"Dr Dionne Payn","startTime":1634.28,"endTime":1637.16,"body":"something really magical that"},{"speaker":"Dr Dionne Payn","startTime":1637.16,"endTime":1641.3,"body":"happens there. And I just think"},{"speaker":"Dr Dionne Payn","startTime":1637.16,"endTime":1641.3,"body":"that that's what we need to"},{"speaker":"Dr Dionne Payn","startTime":1641.3,"endTime":1646.46,"body":"encourage that not everybody is"},{"speaker":"Dr Dionne Payn","startTime":1641.3,"endTime":1646.46,"body":"going to want to start a garden."},{"speaker":"Dr Dionne Payn","startTime":1647.15,"endTime":1652.01,"body":"But maybe it's inviting the"},{"speaker":"Dr Dionne Payn","startTime":1647.15,"endTime":1652.01,"body":"neighbors in and sharing food"},{"speaker":"Dr Dionne Payn","startTime":1652.01,"endTime":1655.58,"body":"with them. And just having those"},{"speaker":"Dr Dionne Payn","startTime":1652.01,"endTime":1655.58,"body":"conversations that reaches, they"},{"speaker":"Dr Dionne Payn","startTime":1655.58,"endTime":1660.95,"body":"have proven that for elderly"},{"speaker":"Dr Dionne Payn","startTime":1655.58,"endTime":1660.95,"body":"people that are in nursing"},{"speaker":"Dr Dionne Payn","startTime":1660.95,"endTime":1665.06,"body":"homes, just having young people"},{"speaker":"Dr Dionne Payn","startTime":1660.95,"endTime":1665.06,"body":"come in and you know, sort of"},{"speaker":"Dr Dionne Payn","startTime":1665.06,"endTime":1669.17,"body":"sit with them, play games with"},{"speaker":"Dr Dionne Payn","startTime":1665.06,"endTime":1669.17,"body":"them, be with them, is really"},{"speaker":"Dr Dionne Payn","startTime":1669.17,"endTime":1672.35,"body":"beneficial for those older"},{"speaker":"Dr Dionne Payn","startTime":1669.17,"endTime":1672.35,"body":"people because they feel young,"},{"speaker":"Dr Dionne Payn","startTime":1672.68,"endTime":1676.16,"body":"and for the younger people"},{"speaker":"Dr Dionne Payn","startTime":1672.68,"endTime":1676.16,"body":"because they are able to be in"},{"speaker":"Dr Dionne Payn","startTime":1676.16,"endTime":1679.55,"body":"service to something bigger than"},{"speaker":"Dr Dionne Payn","startTime":1676.16,"endTime":1679.55,"body":"themselves. So I think it's a"},{"speaker":"Dr Dionne Payn","startTime":1679.55,"endTime":1679.97,"body":"good thing."},{"speaker":"Victor Lagos","startTime":1680.899,"endTime":1683.179,"body":"That's, that in"},{"speaker":"Victor Lagos","startTime":1680.899,"endTime":1683.179,"body":"itself, I think needs to be"},{"speaker":"Victor Lagos","startTime":1683.179,"endTime":1686.119,"body":"unpacked a little bit being in"},{"speaker":"Victor Lagos","startTime":1683.179,"endTime":1686.119,"body":"service of others. It's"},{"speaker":"Victor Lagos","startTime":1686.119,"endTime":1689.569,"body":"something that's ingrained in"},{"speaker":"Victor Lagos","startTime":1686.119,"endTime":1689.569,"body":"all of us. But I think the way"},{"speaker":"Victor Lagos","startTime":1689.659,"endTime":1694.399,"body":"society has been has pulled"},{"speaker":"Victor Lagos","startTime":1689.659,"endTime":1694.399,"body":"people away from that, that, you"},{"speaker":"Victor Lagos","startTime":1694.399,"endTime":1699.649,"body":"know, inherent want and desire"},{"speaker":"Victor Lagos","startTime":1694.399,"endTime":1699.649,"body":"to do greater good. It's like if"},{"speaker":"Victor Lagos","startTime":1699.679,"endTime":1702.289,"body":"if an old person fell in the"},{"speaker":"Victor Lagos","startTime":1699.679,"endTime":1702.289,"body":"street, you would automatically"},{"speaker":"Victor Lagos","startTime":1702.289,"endTime":1705.529,"body":"go and help them 100% There's no"},{"speaker":"Victor Lagos","startTime":1702.289,"endTime":1705.529,"body":"part of you that says I should I"},{"speaker":"Victor Lagos","startTime":1705.559,"endTime":1709.729,"body":"have someone look at me, like"},{"speaker":"Victor Lagos","startTime":1705.559,"endTime":1709.729,"body":"there's no. But you know, the"},{"speaker":"Victor Lagos","startTime":1709.729,"endTime":1713.359,"body":"way business has kind of been,"},{"speaker":"Victor Lagos","startTime":1709.729,"endTime":1713.359,"body":"since I guess the industrial"},{"speaker":"Victor Lagos","startTime":1713.359,"endTime":1717.349,"body":"revolution has really been about"},{"speaker":"Victor Lagos","startTime":1713.359,"endTime":1717.349,"body":"what do they what are they call"},{"speaker":"Victor Lagos","startTime":1717.349,"endTime":1720.019,"body":"it dog eat dog world? Or yeah,"},{"speaker":"Victor Lagos","startTime":1717.349,"endTime":1720.019,"body":"you know, survival of the"},{"speaker":"Victor Lagos","startTime":1720.019,"endTime":1723.229,"body":"fittest. But it's not. It's"},{"speaker":"Victor Lagos","startTime":1720.019,"endTime":1723.229,"body":"really about how can I"},{"speaker":"Victor Lagos","startTime":1723.259,"endTime":1726.319,"body":"contribute? How can I give more"},{"speaker":"Victor Lagos","startTime":1723.259,"endTime":1726.319,"body":"because the more you give, the"},{"speaker":"Victor Lagos","startTime":1726.319,"endTime":1729.619,"body":"more you receive? Yeah, that's"},{"speaker":"Victor Lagos","startTime":1726.319,"endTime":1729.619,"body":"actually my slogan for my for my"},{"speaker":"Victor Lagos","startTime":1729.619,"endTime":1733.219,"body":"business, or my tagline giving"},{"speaker":"Victor Lagos","startTime":1729.619,"endTime":1733.219,"body":"is receiving, which some people"},{"speaker":"Victor Lagos","startTime":1733.219,"endTime":1736.519,"body":"think it's strange for financial"},{"speaker":"Victor Lagos","startTime":1733.219,"endTime":1736.519,"body":"services, business of giving his"},{"speaker":"Victor Lagos","startTime":1736.519,"endTime":1740.209,"body":"receiving, but that's what"},{"speaker":"Victor Lagos","startTime":1736.519,"endTime":1740.209,"body":"really changed for me, when I"},{"speaker":"Victor Lagos","startTime":1740.209,"endTime":1742.549,"body":"started, think about that"},{"speaker":"Victor Lagos","startTime":1740.209,"endTime":1742.549,"body":"abundance that you talked about."},{"speaker":"Victor Lagos","startTime":1742.579,"endTime":1745.939,"body":"It's an energy it's like, when I"},{"speaker":"Victor Lagos","startTime":1742.579,"endTime":1745.939,"body":"when I help someone, I'm not"},{"speaker":"Victor Lagos","startTime":1745.939,"endTime":1749.479,"body":"actually losing anything, even"},{"speaker":"Victor Lagos","startTime":1745.939,"endTime":1749.479,"body":"if they you know, that idea that"},{"speaker":"Victor Lagos","startTime":1749.479,"endTime":1752.329,"body":"they're taking my time or"},{"speaker":"Victor Lagos","startTime":1749.479,"endTime":1752.329,"body":"they're taking my my energy?"},{"speaker":"Victor Lagos","startTime":1752.989,"endTime":1756.769,"body":"Well, they will take it if you"},{"speaker":"Victor Lagos","startTime":1752.989,"endTime":1756.769,"body":"let them by coming from a"},{"speaker":"Victor Lagos","startTime":1756.799,"endTime":1760.579,"body":"mindset of scarcity. But if you"},{"speaker":"Victor Lagos","startTime":1756.799,"endTime":1760.579,"body":"think no, I'm actually sharing"},{"speaker":"Victor Lagos","startTime":1760.579,"endTime":1764.899,"body":"and I'm and I'm giving, you"},{"speaker":"Victor Lagos","startTime":1760.579,"endTime":1764.899,"body":"know, whether it's insights, a"},{"speaker":"Victor Lagos","startTime":1764.899,"endTime":1767.269,"body":"new connection just by"},{"speaker":"Victor Lagos","startTime":1764.899,"endTime":1767.269,"body":"introducing them to someone,"},{"speaker":"Victor Lagos","startTime":1767.629,"endTime":1771.679,"body":"even just listening to someone"},{"speaker":"Victor Lagos","startTime":1767.629,"endTime":1771.679,"body":"like not listening and thinking"},{"speaker":"Victor Lagos","startTime":1771.679,"endTime":1774.859,"body":"about what you're saying next,"},{"speaker":"Victor Lagos","startTime":1771.679,"endTime":1774.859,"body":"but actually feeling what"},{"speaker":"Victor Lagos","startTime":1774.859,"endTime":1779.599,"body":"they're feeling, right? Feeling"},{"speaker":"Victor Lagos","startTime":1774.859,"endTime":1779.599,"body":"that emotion, that and that in"},{"speaker":"Victor Lagos","startTime":1779.599,"endTime":1783.349,"body":"itself is giving. And then if"},{"speaker":"Victor Lagos","startTime":1779.599,"endTime":1783.349,"body":"you know that the more you give,"},{"speaker":"Victor Lagos","startTime":1783.349,"endTime":1787.939,"body":"the more you receive, then it is"},{"speaker":"Victor Lagos","startTime":1783.349,"endTime":1787.939,"body":"abundant. Same way when you're"},{"speaker":"Victor Lagos","startTime":1787.939,"endTime":1791.329,"body":"planting, right plants help out"},{"speaker":"Victor Lagos","startTime":1787.939,"endTime":1791.329,"body":"other plants, right, please help"},{"speaker":"Victor Lagos","startTime":1791.329,"endTime":1795.259,"body":"us. We help them, right. It's"},{"speaker":"Victor Lagos","startTime":1791.329,"endTime":1795.259,"body":"like that and you just got to"},{"speaker":"Victor Lagos","startTime":1795.259,"endTime":1799.969,"body":"tap into it and I want more"},{"speaker":"Victor Lagos","startTime":1795.259,"endTime":1799.969,"body":"people to become aware of that."},{"speaker":"Victor Lagos","startTime":1799.999,"endTime":1803.269,"body":"and just practice it. Because"},{"speaker":"Victor Lagos","startTime":1799.999,"endTime":1803.269,"body":"the more you practice it, the"},{"speaker":"Victor Lagos","startTime":1803.269,"endTime":1805.759,"body":"easier it gets. And the more"},{"speaker":"Victor Lagos","startTime":1803.269,"endTime":1805.759,"body":"natural it is. And all you're"},{"speaker":"Victor Lagos","startTime":1805.759,"endTime":1809.539,"body":"doing is going back to how you"},{"speaker":"Victor Lagos","startTime":1805.759,"endTime":1809.539,"body":"are anyway, deep down, right?"},{"speaker":"Victor Lagos","startTime":1810.109,"endTime":1813.559,"body":"Yeah. Do you do find yourself,"},{"speaker":"Victor Lagos","startTime":1810.109,"endTime":1813.559,"body":"you know, operating from that"},{"speaker":"Victor Lagos","startTime":1813.949,"endTime":1816.109,"body":"every single day when you when"},{"speaker":"Victor Lagos","startTime":1813.949,"endTime":1816.109,"body":"you get up? Do you think you"},{"speaker":"Victor Lagos","startTime":1816.109,"endTime":1818.419,"body":"know what, how can I give to the"},{"speaker":"Victor Lagos","startTime":1816.109,"endTime":1818.419,"body":"How can I contribute? Or do you"},{"speaker":"Victor Lagos","startTime":1818.419,"endTime":1819.619,"body":"have to remind yourself"},{"speaker":"Victor Lagos","startTime":1818.419,"endTime":1819.619,"body":"sometimes"},{"speaker":"Dr Dionne Payn","startTime":1819.83,"endTime":1823.85,"body":"I have a"},{"speaker":"Dr Dionne Payn","startTime":1819.83,"endTime":1823.85,"body":"practice, that is when I get up"},{"speaker":"Dr Dionne Payn","startTime":1823.85,"endTime":1828.35,"body":"and I sort of do my meditation"},{"speaker":"Dr Dionne Payn","startTime":1823.85,"endTime":1828.35,"body":"practice. And I actually have to"},{"speaker":"Dr Dionne Payn","startTime":1828.35,"endTime":1830.6,"body":"say, I didn't expect this"},{"speaker":"Dr Dionne Payn","startTime":1828.35,"endTime":1830.6,"body":"conversation to go this way"},{"speaker":"Dr Dionne Payn","startTime":1830.6,"endTime":1831.02,"body":"today."},{"speaker":"Victor Lagos","startTime":1832.43,"endTime":1833.72,"body":"It's a natural"},{"speaker":"Victor Lagos","startTime":1832.43,"endTime":1833.72,"body":"conversation."},{"speaker":"Dr Dionne Payn","startTime":1836.15,"endTime":1837.92,"body":"I was like,"},{"speaker":"Dr Dionne Payn","startTime":1836.15,"endTime":1837.92,"body":"don't be too woowoo do don't be"},{"speaker":"Dr Dionne Payn","startTime":1837.92,"endTime":1845.93,"body":"too Okay, so I am not some I'm"},{"speaker":"Dr Dionne Payn","startTime":1837.92,"endTime":1845.93,"body":"not some guru. I'm not some"},{"speaker":"Dr Dionne Payn","startTime":1845.93,"endTime":1850.58,"body":"spiritual side or anything like"},{"speaker":"Dr Dionne Payn","startTime":1845.93,"endTime":1850.58,"body":"that. I do have a practice. And"},{"speaker":"Dr Dionne Payn","startTime":1850.58,"endTime":1853.61,"body":"as part of that practice, it's"},{"speaker":"Dr Dionne Payn","startTime":1850.58,"endTime":1853.61,"body":"how can I give today? And how"},{"speaker":"Dr Dionne Payn","startTime":1853.61,"endTime":1857.03,"body":"can I receive today? Because"},{"speaker":"Dr Dionne Payn","startTime":1853.61,"endTime":1857.03,"body":"it's it's both sides of the same"},{"speaker":"Dr Dionne Payn","startTime":1857.03,"endTime":1865.82,"body":"coin? Yeah. And it's not natural"},{"speaker":"Dr Dionne Payn","startTime":1857.03,"endTime":1865.82,"body":"to me to operate this way. It's"},{"speaker":"Dr Dionne Payn","startTime":1865.82,"endTime":1868.73,"body":"a it's something that I'm"},{"speaker":"Dr Dionne Payn","startTime":1865.82,"endTime":1868.73,"body":"practicing. Yeah."},{"speaker":"Victor Lagos","startTime":1869.12,"endTime":1873.11,"body":"Well, yeah. So"},{"speaker":"Victor Lagos","startTime":1869.12,"endTime":1873.11,"body":"you're training yourself to do"},{"speaker":"Victor Lagos","startTime":1873.11,"endTime":1876.17,"body":"that every single day. And, you"},{"speaker":"Victor Lagos","startTime":1873.11,"endTime":1876.17,"body":"know, because obviously, things"},{"speaker":"Victor Lagos","startTime":1876.17,"endTime":1878.33,"body":"happen throughout the day,"},{"speaker":"Victor Lagos","startTime":1876.17,"endTime":1878.33,"body":"right? Something that sort of"},{"speaker":"Victor Lagos","startTime":1878.33,"endTime":1880.31,"body":"knocks you out, you know,"},{"speaker":"Victor Lagos","startTime":1878.33,"endTime":1880.31,"body":"feeling the best version of"},{"speaker":"Victor Lagos","startTime":1880.31,"endTime":1883.64,"body":"yourself. So it's good to have a"},{"speaker":"Victor Lagos","startTime":1880.31,"endTime":1883.64,"body":"daily practice to sort of center"},{"speaker":"Victor Lagos","startTime":1883.64,"endTime":1886.1,"body":"yourself and bring yourself back"},{"speaker":"Victor Lagos","startTime":1883.64,"endTime":1886.1,"body":"into that into that energy."},{"speaker":"Dr Dionne Payn","startTime":1886.22,"endTime":1890.24,"body":"And I shared"},{"speaker":"Dr Dionne Payn","startTime":1886.22,"endTime":1890.24,"body":"with you, off camera, an"},{"speaker":"Dr Dionne Payn","startTime":1890.24,"endTime":1893.27,"body":"experience that I had recently"},{"speaker":"Dr Dionne Payn","startTime":1890.24,"endTime":1893.27,"body":"where I decided that I wasn't"},{"speaker":"Dr Dionne Payn","startTime":1893.27,"endTime":1897.35,"body":"going to work with somebody. And"},{"speaker":"Dr Dionne Payn","startTime":1893.27,"endTime":1897.35,"body":"it really was because they were"},{"speaker":"Dr Dionne Payn","startTime":1897.35,"endTime":1903.56,"body":"coming from that scarcity place."},{"speaker":"Dr Dionne Payn","startTime":1897.35,"endTime":1903.56,"body":"And unwilling to look at, well,"},{"speaker":"Dr Dionne Payn","startTime":1903.56,"endTime":1906.47,"body":"how can we all win, it was very"},{"speaker":"Dr Dionne Payn","startTime":1903.56,"endTime":1906.47,"body":"much a, I'm going to win, you're"},{"speaker":"Dr Dionne Payn","startTime":1906.47,"endTime":1912.44,"body":"gonna lose, and that that"},{"speaker":"Dr Dionne Payn","startTime":1906.47,"endTime":1912.44,"body":"framework just cannot work going"},{"speaker":"Dr Dionne Payn","startTime":1912.44,"endTime":1915.2,"body":"forward. So I'm not just talking"},{"speaker":"Dr Dionne Payn","startTime":1912.44,"endTime":1915.2,"body":"about that particular potential"},{"speaker":"Dr Dionne Payn","startTime":1915.2,"endTime":1917.09,"body":"client. I'm just talking about"},{"speaker":"Dr Dionne Payn","startTime":1915.2,"endTime":1917.09,"body":"life in general."},{"speaker":"Victor Lagos","startTime":1917.15,"endTime":1918.83,"body":"And it is a shift"},{"speaker":"Victor Lagos","startTime":1917.15,"endTime":1918.83,"body":"that we're going through at the"},{"speaker":"Victor Lagos","startTime":1918.83,"endTime":1921.86,"body":"moment. Yeah, people have"},{"speaker":"Victor Lagos","startTime":1918.83,"endTime":1921.86,"body":"thought that that's what was"},{"speaker":"Victor Lagos","startTime":1921.86,"endTime":1924.62,"body":"required to be successful,"},{"speaker":"Victor Lagos","startTime":1921.86,"endTime":1924.62,"body":"someone else has to lose, you"},{"speaker":"Victor Lagos","startTime":1924.62,"endTime":1927.47,"body":"need to win, someone has to"},{"speaker":"Victor Lagos","startTime":1924.62,"endTime":1927.47,"body":"lose. Obviously, the focus isn't"},{"speaker":"Victor Lagos","startTime":1927.5,"endTime":1929.96,"body":"how can I make other people"},{"speaker":"Victor Lagos","startTime":1927.5,"endTime":1929.96,"body":"lose? They're just focused on"},{"speaker":"Victor Lagos","startTime":1929.96,"endTime":1933.02,"body":"themselves, how can I win? But"},{"speaker":"Victor Lagos","startTime":1929.96,"endTime":1933.02,"body":"if you think how can everybody"},{"speaker":"Victor Lagos","startTime":1933.02,"endTime":1936.68,"body":"win? Then you can say no to"},{"speaker":"Victor Lagos","startTime":1933.02,"endTime":1936.68,"body":"people, you can say no to"},{"speaker":"Victor Lagos","startTime":1936.68,"endTime":1938.51,"body":"opportunities, doesn't matter"},{"speaker":"Victor Lagos","startTime":1936.68,"endTime":1938.51,"body":"how much money it's going to"},{"speaker":"Victor Lagos","startTime":1938.54,"endTime":1941.96,"body":"bring you because it's not about"},{"speaker":"Victor Lagos","startTime":1938.54,"endTime":1941.96,"body":"that money. Come Money comes and"},{"speaker":"Victor Lagos","startTime":1941.96,"endTime":1946.04,"body":"goes right flows, right? It's,"},{"speaker":"Victor Lagos","startTime":1941.96,"endTime":1946.04,"body":"they call it cash flow, not cash"},{"speaker":"Victor Lagos","startTime":1946.04,"endTime":1953.36,"body":"accumulate and not spend. I did"},{"speaker":"Victor Lagos","startTime":1946.04,"endTime":1953.36,"body":"want to ask you, because the"},{"speaker":"Victor Lagos","startTime":1953.81,"endTime":1958.04,"body":"podcast is called debt to"},{"speaker":"Victor Lagos","startTime":1953.81,"endTime":1958.04,"body":"financial freedom. And I, you"},{"speaker":"Victor Lagos","startTime":1958.04,"endTime":1960.65,"body":"know, I have a meaning of what I"},{"speaker":"Victor Lagos","startTime":1958.04,"endTime":1960.65,"body":"believe financial freedom is,"},{"speaker":"Victor Lagos","startTime":1961.1,"endTime":1964.58,"body":"but I want to ask my guests"},{"speaker":"Victor Lagos","startTime":1961.1,"endTime":1964.58,"body":"what, what is the definition of"},{"speaker":"Victor Lagos","startTime":1964.58,"endTime":1965.66,"body":"financial freedom to you?"},{"speaker":"Dr Dionne Payn","startTime":1966.68,"endTime":1970.76,"body":"Good question."},{"speaker":"Dr Dionne Payn","startTime":1966.68,"endTime":1970.76,"body":"In the context of what we spoken"},{"speaker":"Dr Dionne Payn","startTime":1970.76,"endTime":1975.47,"body":"about, it is about abundance."},{"speaker":"Dr Dionne Payn","startTime":1970.76,"endTime":1975.47,"body":"And it's not necessarily the"},{"speaker":"Dr Dionne Payn","startTime":1975.47,"endTime":1979.49,"body":"amount of money that you have."},{"speaker":"Dr Dionne Payn","startTime":1975.47,"endTime":1979.49,"body":"It's just that feeling of I have"},{"speaker":"Dr Dionne Payn","startTime":1979.49,"endTime":1984.53,"body":"enough. Yeah. And I'm being"},{"speaker":"Dr Dionne Payn","startTime":1979.49,"endTime":1984.53,"body":"provided for. Yeah, yeah, it is"},{"speaker":"Dr Dionne Payn","startTime":1984.53,"endTime":1987.89,"body":"definitely feeling and so, you"},{"speaker":"Dr Dionne Payn","startTime":1984.53,"endTime":1987.89,"body":"know, from that space, you don't"},{"speaker":"Dr Dionne Payn","startTime":1987.89,"endTime":1992.66,"body":"have to come from bull. How do I"},{"speaker":"Dr Dionne Payn","startTime":1987.89,"endTime":1992.66,"body":"get get gift? It's, you know,"},{"speaker":"Dr Dionne Payn","startTime":1993.77,"endTime":1996.56,"body":"like I was saying before, how"},{"speaker":"Dr Dionne Payn","startTime":1993.77,"endTime":1996.56,"body":"can I give? How can I receive?"},{"speaker":"Dr Dionne Payn","startTime":1996.68,"endTime":2002.62,"body":"How do I stay open to all of"},{"speaker":"Dr Dionne Payn","startTime":1996.68,"endTime":2002.62,"body":"that? Yeah. So, you know, in,"},{"speaker":"Dr Dionne Payn","startTime":2004.75,"endTime":2007.9,"body":"in, you know, modern world, our"},{"speaker":"Dr Dionne Payn","startTime":2004.75,"endTime":2007.9,"body":"understanding of financial"},{"speaker":"Dr Dionne Payn","startTime":2007.9,"endTime":2011.89,"body":"freedom is having a decent car,"},{"speaker":"Dr Dionne Payn","startTime":2007.9,"endTime":2011.89,"body":"having a home, being able to go"},{"speaker":"Dr Dionne Payn","startTime":2011.89,"endTime":2015.1,"body":"on holidays. I'm not saying"},{"speaker":"Dr Dionne Payn","startTime":2011.89,"endTime":2015.1,"body":"like, I'm not a nun, I love all"},{"speaker":"Dr Dionne Payn","startTime":2015.1,"endTime":2019.6,"body":"of that, you know, I love my"},{"speaker":"Dr Dionne Payn","startTime":2015.1,"endTime":2019.6,"body":"little 2019, Toyota Corolla"},{"speaker":"Dr Dionne Payn","startTime":2019.6,"endTime":2024.13,"body":"hybrid. And I love the fact that"},{"speaker":"Dr Dionne Payn","startTime":2019.6,"endTime":2024.13,"body":"I get to spend time visiting"},{"speaker":"Dr Dionne Payn","startTime":2024.13,"endTime":2026.53,"body":"family visiting friends going"},{"speaker":"Dr Dionne Payn","startTime":2024.13,"endTime":2026.53,"body":"and seeing different places. I"},{"speaker":"Dr Dionne Payn","startTime":2026.53,"endTime":2031.15,"body":"love the fact that, you know, we"},{"speaker":"Dr Dionne Payn","startTime":2026.53,"endTime":2031.15,"body":"live in a gorgeous place in in"},{"speaker":"Dr Dionne Payn","startTime":2031.15,"endTime":2037.42,"body":"the Northern Rivers. But there's"},{"speaker":"Dr Dionne Payn","startTime":2031.15,"endTime":2037.42,"body":"a point where it's, it's, it's"},{"speaker":"Dr Dionne Payn","startTime":2037.42,"endTime":2042.31,"body":"not. You know, I'm not saying"},{"speaker":"Dr Dionne Payn","startTime":2037.42,"endTime":2042.31,"body":"that everything in my life is"},{"speaker":"Dr Dionne Payn","startTime":2042.31,"endTime":2045.64,"body":"sorted either. But it's, it's"},{"speaker":"Dr Dionne Payn","startTime":2042.31,"endTime":2045.64,"body":"how do I operate from that space"},{"speaker":"Dr Dionne Payn","startTime":2045.64,"endTime":2049.96,"body":"of not fear? Operation, that"},{"speaker":"Dr Dionne Payn","startTime":2045.64,"endTime":2049.96,"body":"space of there is enough, and"},{"speaker":"Dr Dionne Payn","startTime":2049.96,"endTime":2052.84,"body":"there are resources around me."},{"speaker":"Dr Dionne Payn","startTime":2049.96,"endTime":2052.84,"body":"And if I don't have those"},{"speaker":"Dr Dionne Payn","startTime":2052.84,"endTime":2055.72,"body":"resources, I can find somebody"},{"speaker":"Dr Dionne Payn","startTime":2052.84,"endTime":2055.72,"body":"to collaborate that does."},{"speaker":"Victor Lagos","startTime":2056.02,"endTime":2059.32,"body":"Yeah, I love that."},{"speaker":"Victor Lagos","startTime":2056.02,"endTime":2059.32,"body":"You, you really tackling that"},{"speaker":"Victor Lagos","startTime":2059.47,"endTime":2064.21,"body":"sort of motion or that fear"},{"speaker":"Victor Lagos","startTime":2059.47,"endTime":2064.21,"body":"inside that I can't do it? Well,"},{"speaker":"Victor Lagos","startTime":2064.42,"endTime":2067.87,"body":"if you can't, then do you have"},{"speaker":"Victor Lagos","startTime":2064.42,"endTime":2067.87,"body":"the resources around you? And if"},{"speaker":"Victor Lagos","startTime":2067.87,"endTime":2070.78,"body":"you don't, then what can you do"},{"speaker":"Victor Lagos","startTime":2067.87,"endTime":2070.78,"body":"to find those resources? Right."},{"speaker":"Victor Lagos","startTime":2070.84,"endTime":2073.75,"body":"And it's always about"},{"speaker":"Victor Lagos","startTime":2070.84,"endTime":2073.75,"body":"collaboration. Yes. It's, it's"},{"speaker":"Victor Lagos","startTime":2073.75,"endTime":2076.45,"body":"not about doing it on your own."},{"speaker":"Victor Lagos","startTime":2073.75,"endTime":2076.45,"body":"Right. It's about having good"},{"speaker":"Victor Lagos","startTime":2076.45,"endTime":2079.36,"body":"people around you. Exactly. And"},{"speaker":"Victor Lagos","startTime":2076.45,"endTime":2079.36,"body":"it is a journey to find the"},{"speaker":"Victor Lagos","startTime":2079.36,"endTime":2081.73,"body":"people. I mean, that's why you"},{"speaker":"Victor Lagos","startTime":2079.36,"endTime":2081.73,"body":"and I connected because we had"},{"speaker":"Victor Lagos","startTime":2081.73,"endTime":2086.29,"body":"so much synergy there. And I"},{"speaker":"Victor Lagos","startTime":2081.73,"endTime":2086.29,"body":"think you actually mentioned"},{"speaker":"Victor Lagos","startTime":2086.29,"endTime":2091.24,"body":"what the story I shared with you"},{"speaker":"Victor Lagos","startTime":2086.29,"endTime":2091.24,"body":"in your book then. Oh, yes. Oh,"},{"speaker":"Victor Lagos","startTime":2091.24,"endTime":2098.38,"body":"you found it. Yeah, I won't go"},{"speaker":"Victor Lagos","startTime":2091.24,"endTime":2098.38,"body":"into too much detail. I did"},{"speaker":"Victor Lagos","startTime":2098.38,"endTime":2101.8,"body":"share it on Episode One. Oh,"},{"speaker":"Victor Lagos","startTime":2098.38,"endTime":2101.8,"body":"about, you know, my wire and my,"},{"speaker":"Victor Lagos","startTime":2101.83,"endTime":2106.24,"body":"my parents and what they went"},{"speaker":"Victor Lagos","startTime":2101.83,"endTime":2106.24,"body":"through, and I am bringing"},{"speaker":"Victor Lagos","startTime":2106.24,"endTime":2109.18,"body":"another guest on, I can really"},{"speaker":"Victor Lagos","startTime":2106.24,"endTime":2109.18,"body":"share a bit more details around,"},{"speaker":"Victor Lagos","startTime":2109.18,"endTime":2113.08,"body":"you know, people losing when it"},{"speaker":"Victor Lagos","startTime":2109.18,"endTime":2113.08,"body":"comes to property, because it is"},{"speaker":"Victor Lagos","startTime":2113.08,"endTime":2116.8,"body":"such an emotional buy. And there"},{"speaker":"Victor Lagos","startTime":2113.08,"endTime":2116.8,"body":"are people out there that really"},{"speaker":"Victor Lagos","startTime":2116.8,"endTime":2119.65,"body":"take advantage of people that"},{"speaker":"Victor Lagos","startTime":2116.8,"endTime":2119.65,"body":"that are focused on that"},{"speaker":"Victor Lagos","startTime":2119.65,"endTime":2121.93,"body":"emotion, they want to provide"},{"speaker":"Victor Lagos","startTime":2119.65,"endTime":2121.93,"body":"their family that for their"},{"speaker":"Victor Lagos","startTime":2121.93,"endTime":2124.54,"body":"family, they want to set"},{"speaker":"Victor Lagos","startTime":2121.93,"endTime":2124.54,"body":"themselves up for retirement."},{"speaker":"Victor Lagos","startTime":2124.84,"endTime":2128.5,"body":"But then the people that are,"},{"speaker":"Victor Lagos","startTime":2124.84,"endTime":2128.5,"body":"you know, selling to them are"},{"speaker":"Victor Lagos","startTime":2128.5,"endTime":2131.29,"body":"not thinking about them, they"},{"speaker":"Victor Lagos","startTime":2128.5,"endTime":2131.29,"body":"think about themselves. And"},{"speaker":"Dr Dionne Payn","startTime":2131.65,"endTime":2134.29,"body":"there's a level"},{"speaker":"Dr Dionne Payn","startTime":2131.65,"endTime":2134.29,"body":"of financial literacy that we"},{"speaker":"Dr Dionne Payn","startTime":2134.29,"endTime":2138.13,"body":"all need to have. And we don't"},{"speaker":"Dr Dionne Payn","startTime":2134.29,"endTime":2138.13,"body":"get taught that in schools. And"},{"speaker":"Dr Dionne Payn","startTime":2138.58,"endTime":2141.28,"body":"so then we have to take the"},{"speaker":"Dr Dionne Payn","startTime":2138.58,"endTime":2141.28,"body":"responsibility to find that for"},{"speaker":"Dr Dionne Payn","startTime":2141.28,"endTime":2147.34,"body":"ourselves. I read Rich Dad Poor"},{"speaker":"Dr Dionne Payn","startTime":2141.28,"endTime":2147.34,"body":"Dad a long time ago. And I was"},{"speaker":"Dr Dionne Payn","startTime":2147.34,"endTime":2150.34,"body":"like, Yeah, that's interesting."},{"speaker":"Dr Dionne Payn","startTime":2147.34,"endTime":2150.34,"body":"It wasn't until recently where I"},{"speaker":"Dr Dionne Payn","startTime":2150.34,"endTime":2153.43,"body":"read it again. And I was like,"},{"speaker":"Dr Dionne Payn","startTime":2150.34,"endTime":2153.43,"body":"How did I miss this, you know"},{"speaker":"Dr Dionne Payn","startTime":2153.43,"endTime":2157.39,"body":"that his whole thing is buying"},{"speaker":"Dr Dionne Payn","startTime":2153.43,"endTime":2157.39,"body":"assets that generate cash flow,"},{"speaker":"Dr Dionne Payn","startTime":2157.84,"endTime":2162.28,"body":"exactly, my twist on that is"},{"speaker":"Dr Dionne Payn","startTime":2157.84,"endTime":2162.28,"body":"buying assets that have impact"},{"speaker":"Dr Dionne Payn","startTime":2162.31,"endTime":2163.75,"body":"and generate cash flow. And I"},{"speaker":"Dr Dionne Payn","startTime":2162.31,"endTime":2163.75,"body":"love"},{"speaker":"Victor Lagos","startTime":2163.75,"endTime":2166.09,"body":"that you're not"},{"speaker":"Victor Lagos","startTime":2163.75,"endTime":2166.09,"body":"just focused on the cash flow."},{"speaker":"Victor Lagos","startTime":2166.57,"endTime":2170.5,"body":"Yeah. And that's why for me,"},{"speaker":"Victor Lagos","startTime":2166.57,"endTime":2170.5,"body":"when I talk about financial"},{"speaker":"Victor Lagos","startTime":2170.5,"endTime":2175.24,"body":"freedom, it is about buying"},{"speaker":"Victor Lagos","startTime":2170.5,"endTime":2175.24,"body":"assets that create cash flow,"},{"speaker":"Victor Lagos","startTime":2175.45,"endTime":2179.77,"body":"and it's not 100% passive, but"},{"speaker":"Victor Lagos","startTime":2175.45,"endTime":2179.77,"body":"it is reasonably passive. And"},{"speaker":"Victor Lagos","startTime":2179.77,"endTime":2181.78,"body":"that just means that you don't"},{"speaker":"Victor Lagos","startTime":2179.77,"endTime":2181.78,"body":"have to trade your time and"},{"speaker":"Victor Lagos","startTime":2181.78,"endTime":2186.55,"body":"labor for the money. And like"},{"speaker":"Victor Lagos","startTime":2181.78,"endTime":2186.55,"body":"you said earlier, when it comes"},{"speaker":"Victor Lagos","startTime":2186.55,"endTime":2189.46,"body":"to you know, we have to survive,"},{"speaker":"Victor Lagos","startTime":2186.55,"endTime":2189.46,"body":"a lot of people were in that"},{"speaker":"Victor Lagos","startTime":2189.46,"endTime":2192.4,"body":"survival state. It's because"},{"speaker":"Victor Lagos","startTime":2189.46,"endTime":2192.4,"body":"we're in a society where we have"},{"speaker":"Victor Lagos","startTime":2192.4,"endTime":2195.52,"body":"to pay to live, like, as soon as"},{"speaker":"Victor Lagos","startTime":2192.4,"endTime":2195.52,"body":"you're born, like, you don't"},{"speaker":"Victor Lagos","startTime":2195.52,"endTime":2197.41,"body":"feel like because you're"},{"speaker":"Victor Lagos","startTime":2195.52,"endTime":2197.41,"body":"dependent child, but your"},{"speaker":"Victor Lagos","startTime":2197.41,"endTime":2200.65,"body":"parents having to work and they"},{"speaker":"Victor Lagos","startTime":2197.41,"endTime":2200.65,"body":"have to provide, you know, the"},{"speaker":"Victor Lagos","startTime":2200.65,"endTime":2206.83,"body":"shelter and the food. And if"},{"speaker":"Victor Lagos","startTime":2200.65,"endTime":2206.83,"body":"your survival. Instincts are"},{"speaker":"Victor Lagos","startTime":2206.83,"endTime":2210.1,"body":"kicked in, you're not able to be"},{"speaker":"Victor Lagos","startTime":2206.83,"endTime":2210.1,"body":"creative. You're not thinking"},{"speaker":"Victor Lagos","startTime":2210.1,"endTime":2212.38,"body":"about how you can give you"},{"speaker":"Victor Lagos","startTime":2210.1,"endTime":2212.38,"body":"thinking, how can I? How can I"},{"speaker":"Victor Lagos","startTime":2212.41,"endTime":2218.68,"body":"live and survive the next day?"},{"speaker":"Victor Lagos","startTime":2212.41,"endTime":2218.68,"body":"Alright, so I like this, this"},{"speaker":"Victor Lagos","startTime":2218.68,"endTime":2221.62,"body":"definition. And I heard it"},{"speaker":"Victor Lagos","startTime":2218.68,"endTime":2221.62,"body":"recently, it's, it's a simple"},{"speaker":"Victor Lagos","startTime":2221.62,"endTime":2224.2,"body":"way of understanding financial"},{"speaker":"Victor Lagos","startTime":2221.62,"endTime":2224.2,"body":"freedom I heard it from from"},{"speaker":"Victor Lagos","startTime":2224.2,"endTime":2227.47,"body":"Tony Robbins. And he said, it's"},{"speaker":"Victor Lagos","startTime":2224.2,"endTime":2227.47,"body":"about building a money machine,"},{"speaker":"Victor Lagos","startTime":2228.34,"endTime":2234.76,"body":"a money machine that will let"},{"speaker":"Victor Lagos","startTime":2228.34,"endTime":2234.76,"body":"you do what you do, without"},{"speaker":"Victor Lagos","startTime":2234.76,"endTime":2238.6,"body":"having to work. That's it. It's"},{"speaker":"Victor Lagos","startTime":2234.76,"endTime":2238.6,"body":"not like you're not going to"},{"speaker":"Victor Lagos","startTime":2238.6,"endTime":2241.63,"body":"work. But you don't have to"},{"speaker":"Victor Lagos","startTime":2238.6,"endTime":2241.63,"body":"work, right? Because I used to"},{"speaker":"Victor Lagos","startTime":2241.63,"endTime":2244.72,"body":"explain away enough passive"},{"speaker":"Victor Lagos","startTime":2241.63,"endTime":2244.72,"body":"income to replace your living"},{"speaker":"Victor Lagos","startTime":2244.72,"endTime":2248.47,"body":"expenses so that you can, you"},{"speaker":"Victor Lagos","startTime":2244.72,"endTime":2248.47,"body":"know, be your best self. It's"},{"speaker":"Victor Lagos","startTime":2248.47,"endTime":2250.99,"body":"still the same thing. But I"},{"speaker":"Victor Lagos","startTime":2248.47,"endTime":2250.99,"body":"think it just makes sense. Like,"},{"speaker":"Victor Lagos","startTime":2251.02,"endTime":2254.62,"body":"you don't have to sacrifice your"},{"speaker":"Victor Lagos","startTime":2251.02,"endTime":2254.62,"body":"lifestyle, but let you do what"},{"speaker":"Victor Lagos","startTime":2254.62,"endTime":2257.56,"body":"you do. But you don't have to"},{"speaker":"Victor Lagos","startTime":2254.62,"endTime":2257.56,"body":"work. If you don't have to, you"},{"speaker":"Victor Lagos","startTime":2257.56,"endTime":2261.64,"body":"can do what you do. You can have"},{"speaker":"Victor Lagos","startTime":2257.56,"endTime":2261.64,"body":"a big mission and vision to you"},{"speaker":"Victor Lagos","startTime":2261.64,"endTime":2266.65,"body":"know, to help the world to help"},{"speaker":"Victor Lagos","startTime":2261.64,"endTime":2266.65,"body":"the community and collaborate"},{"speaker":"Victor Lagos","startTime":2266.65,"endTime":2268.45,"body":"with others to think the same"},{"speaker":"Victor Lagos","startTime":2266.65,"endTime":2268.45,"body":"way. So"},{"speaker":"Dr Dionne Payn","startTime":2269.14,"endTime":2271.9,"body":"there's a great"},{"speaker":"Dr Dionne Payn","startTime":2269.14,"endTime":2271.9,"body":"quote, I can't remember who it"},{"speaker":"Dr Dionne Payn","startTime":2271.9,"endTime":2275.53,"body":"is, I think it might have been"},{"speaker":"Dr Dionne Payn","startTime":2271.9,"endTime":2275.53,"body":"Jim Collins, but it's along the"},{"speaker":"Dr Dionne Payn","startTime":2275.53,"endTime":2278.83,"body":"lines of the more people that"},{"speaker":"Dr Dionne Payn","startTime":2275.53,"endTime":2278.83,"body":"you help, the more money that"},{"speaker":"Dr Dionne Payn","startTime":2278.83,"endTime":2281.77,"body":"you will make. Yeah, and it"},{"speaker":"Dr Dionne Payn","startTime":2278.83,"endTime":2281.77,"body":"answers that."},{"speaker":"Victor Lagos","startTime":2283.24,"endTime":2285.76,"body":"You can have"},{"speaker":"Victor Lagos","startTime":2283.24,"endTime":2285.76,"body":"everything you want in life, if"},{"speaker":"Victor Lagos","startTime":2285.76,"endTime":2288.34,"body":"you help other people get what"},{"speaker":"Victor Lagos","startTime":2285.76,"endTime":2288.34,"body":"they want. Yeah, that's it."},{"speaker":"Victor Lagos","startTime":2288.37,"endTime":2294.55,"body":"Yeah. Love it. So true. Well, I"},{"speaker":"Victor Lagos","startTime":2288.37,"endTime":2294.55,"body":"want to ask you, how can people"},{"speaker":"Victor Lagos","startTime":2294.55,"endTime":2295.03,"body":"find you?"},{"speaker":"Dr Dionne Payn","startTime":2296.59,"endTime":2303.01,"body":"Well, I'm pretty"},{"speaker":"Dr Dionne Payn","startTime":2296.59,"endTime":2303.01,"body":"active on LinkedIn. So if they"},{"speaker":"Dr Dionne Payn","startTime":2303.01,"endTime":2310.66,"body":"do a search for me, Dr. Dione"},{"speaker":"Dr Dionne Payn","startTime":2303.01,"endTime":2310.66,"body":"Payn. I do also have a website,"},{"speaker":"Dr Dionne Payn","startTime":2310.66,"endTime":2319.21,"body":"which is hipi.global. And I know"},{"speaker":"Dr Dionne Payn","startTime":2310.66,"endTime":2319.21,"body":"that you're going to be placing"},{"speaker":"Dr Dionne Payn","startTime":2319.24,"endTime":2324.55,"body":"links into the show notes. So I"},{"speaker":"Dr Dionne Payn","startTime":2319.24,"endTime":2324.55,"body":"can provide some information for"},{"speaker":"Dr Dionne Payn","startTime":2324.55,"endTime":2329.62,"body":"you there as well. And for"},{"speaker":"Dr Dionne Payn","startTime":2324.55,"endTime":2329.62,"body":"anybody that is interested in"},{"speaker":"Dr Dionne Payn","startTime":2329.71,"endTime":2335.2,"body":"ethical property investing, I'm"},{"speaker":"Dr Dionne Payn","startTime":2329.71,"endTime":2335.2,"body":"very happy to share a copy of my"},{"speaker":"Dr Dionne Payn","startTime":2335.2,"endTime":2338.41,"body":"book. And we can make that"},{"speaker":"Dr Dionne Payn","startTime":2335.2,"endTime":2338.41,"body":"available through your show"},{"speaker":"Dr Dionne Payn","startTime":2338.41,"endTime":2338.71,"body":"notes."},{"speaker":"Victor Lagos","startTime":2338.74,"endTime":2340.87,"body":"Awesome. That's"},{"speaker":"Victor Lagos","startTime":2338.74,"endTime":2340.87,"body":"very generous of you. I know you"},{"speaker":"Victor Lagos","startTime":2340.87,"endTime":2343.63,"body":"sent me a copy, and it was"},{"speaker":"Victor Lagos","startTime":2340.87,"endTime":2343.63,"body":"signed. So thank you for that."},{"speaker":"Victor Lagos","startTime":2344.5,"endTime":2347.5,"body":"So I'll put the I'll put the"},{"speaker":"Victor Lagos","startTime":2344.5,"endTime":2347.5,"body":"notes in, in the show notes."},{"speaker":"Victor Lagos","startTime":2347.5,"endTime":2350.08,"body":"I'll give the link. So anyone"},{"speaker":"Victor Lagos","startTime":2347.5,"endTime":2350.08,"body":"who wants to get a copy of"},{"speaker":"Victor Lagos","startTime":2350.11,"endTime":2353.2,"body":"ethical property investing,"},{"speaker":"Victor Lagos","startTime":2350.11,"endTime":2353.2,"body":"you'll be able to order that"},{"speaker":"Victor Lagos","startTime":2353.95,"endTime":2357.16,"body":"with a specific link. Will it be"},{"speaker":"Victor Lagos","startTime":2353.95,"endTime":2357.16,"body":"a physical copy or a PDF?"},{"speaker":"Dr Dionne Payn","startTime":2357.19,"endTime":2358.69,"body":"It will be a"},{"speaker":"Dr Dionne Payn","startTime":2357.19,"endTime":2358.69,"body":"physical copy. As long as"},{"speaker":"Dr Dionne Payn","startTime":2358.69,"endTime":2361.18,"body":"somebody's happy to pay for the"},{"speaker":"Dr Dionne Payn","startTime":2358.69,"endTime":2361.18,"body":"postage, there can be a physical"},{"speaker":"Dr Dionne Payn","startTime":2361.18,"endTime":2364.63,"body":"copy. Awesome. Yeah, I love it."},{"speaker":"Dr Dionne Payn","startTime":2361.18,"endTime":2364.63,"body":"There's something great about"},{"speaker":"Dr Dionne Payn","startTime":2364.87,"endTime":2365.29,"body":"holding."},{"speaker":"Victor Lagos","startTime":2365.53,"endTime":2368.05,"body":"I agree. Right?"},{"speaker":"Victor Lagos","startTime":2365.53,"endTime":2368.05,"body":"Yeah. So old school, but it's,"},{"speaker":"Victor Lagos","startTime":2368.11,"endTime":2370.15,"body":"it's powerful. And you know"},{"speaker":"Victor Lagos","startTime":2368.11,"endTime":2370.15,"body":"exactly where you left off as"},{"speaker":"Victor Lagos","startTime":2370.15,"endTime":2375.16,"body":"well. Exactly. Gonna get back to"},{"speaker":"Victor Lagos","startTime":2370.15,"endTime":2375.16,"body":"it. Well, I want to say thank"},{"speaker":"Victor Lagos","startTime":2375.16,"endTime":2377.59,"body":"you so much for coming today. I"},{"speaker":"Victor Lagos","startTime":2375.16,"endTime":2377.59,"body":"really appreciate that you came"},{"speaker":"Victor Lagos","startTime":2377.59,"endTime":2380.68,"body":"all the way from Byron region."},{"speaker":"Victor Lagos","startTime":2377.59,"endTime":2380.68,"body":"So it's a bit of a distance to"},{"speaker":"Victor Lagos","startTime":2380.68,"endTime":2384.19,"body":"Sydney, but always lovely to see"},{"speaker":"Victor Lagos","startTime":2380.68,"endTime":2384.19,"body":"you. Looking forward to"},{"speaker":"Victor Lagos","startTime":2384.19,"endTime":2385.75,"body":"collaborating with you and again"},{"speaker":"Victor Lagos","startTime":2384.19,"endTime":2385.75,"body":"in the future."},{"speaker":"Dr Dionne Payn","startTime":2386.08,"endTime":2389.74,"body":"Yeah. Thank you."},{"speaker":"Dr Dionne Payn","startTime":2386.08,"endTime":2389.74,"body":"And thank you for all of your"},{"speaker":"Dr Dionne Payn","startTime":2389.74,"endTime":2392.68,"body":"belief in the work that I've"},{"speaker":"Dr Dionne Payn","startTime":2389.74,"endTime":2392.68,"body":"been doing. And once he"},{"speaker":"Dr Dionne Payn","startTime":2392.68,"endTime":2397.12,"body":"mentioned that we bonded because"},{"speaker":"Dr Dionne Payn","startTime":2392.68,"endTime":2397.12,"body":"of that shared vision. And I'm"},{"speaker":"Dr Dionne Payn","startTime":2397.12,"endTime":2399.37,"body":"really happy to have you as part"},{"speaker":"Dr Dionne Payn","startTime":2397.12,"endTime":2399.37,"body":"of that journey. So thank you."},{"speaker":"Victor Lagos","startTime":2399.64,"endTime":2402.07,"body":"Yep, Me too. I'm"},{"speaker":"Victor Lagos","startTime":2399.64,"endTime":2402.07,"body":"really happy and this is going"},{"speaker":"Victor Lagos","startTime":2402.07,"endTime":2406.18,"body":"to watch this space because Dion"},{"speaker":"Victor Lagos","startTime":2402.07,"endTime":2406.18,"body":"and I are going to work on"},{"speaker":"Victor Lagos","startTime":2406.3,"endTime":2411.85,"body":"another project, and I'll"},{"speaker":"Victor Lagos","startTime":2406.3,"endTime":2411.85,"body":"mention in the future I'll see"},{"speaker":"Victor Lagos","startTime":2411.85,"endTime":2412.87,"body":"you soon. All right."},{"speaker":"Dr Dionne Payn","startTime":2412.87,"endTime":2413.5,"body":"Thanks, Victor."},{"speaker":"Victor Lagos","startTime":2415.54,"endTime":2419.89,"body":"Well, if you've"},{"speaker":"Victor Lagos","startTime":2415.54,"endTime":2419.89,"body":"enjoyed that, please like us on"},{"speaker":"Victor Lagos","startTime":2419.89,"endTime":2422.8,"body":"our socials and stay tuned for"},{"speaker":"Victor Lagos","startTime":2419.89,"endTime":2422.8,"body":"the next episode."}]}