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    "segs": [ {
      "utf8": "- What's the worst financial\nadvice you've ever gotten?"
    } ]
  }, {
    "tStartMs": 3300,
    "dDurationMs": 833,
    "segs": [ {
      "utf8": "- Hmm."
    } ]
  }, {
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    "dDurationMs": 3277,
    "segs": [ {
      "utf8": "Does \"buy whatever\nmysterious cryptocurrency"
    } ]
  }, {
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    "dDurationMs": 3450,
    "segs": [ {
      "utf8": "the bots are advertising\ndown in the comments\" count?"
    } ]
  }, {
    "tStartMs": 10860,
    "dDurationMs": 3750,
    "segs": [ {
      "utf8": "- Getting financial advice on\nthe internet is a mixed bag."
    } ]
  }, {
    "tStartMs": 14610,
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    "segs": [ {
      "utf8": "There's thoughtful,\nwell-researched information"
    } ]
  }, {
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    "segs": [ {
      "utf8": "from credible professionals."
    } ]
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    "segs": [ {
      "utf8": "And then there's this."
    } ]
  }, {
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    "segs": [ {
      "utf8": "- [Philip] If you are\nlooking for information"
    } ]
  }, {
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    "dDurationMs": 1380,
    "segs": [ {
      "utf8": "on how to manage money,"
    } ]
  }, {
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    "segs": [ {
      "utf8": "you might run into the many podcast bros,"
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    "segs": [ {
      "utf8": "AI chatbots, and video influencers"
    } ]
  }, {
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    "dDurationMs": 2040,
    "segs": [ {
      "utf8": "who are more interested in your clicks"
    } ]
  }, {
    "tStartMs": 33990,
    "dDurationMs": 1620,
    "segs": [ {
      "utf8": "than your financial future."
    } ]
  }, {
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    "dDurationMs": 2280,
    "segs": [ {
      "utf8": "- And no matter how good\nyou are at sorting out"
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  }, {
    "tStartMs": 37890,
    "dDurationMs": 1680,
    "segs": [ {
      "utf8": "the scams and the grifters,"
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  }, {
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    "segs": [ {
      "utf8": "sometimes even the most\nsensible sounding advice"
    } ]
  }, {
    "tStartMs": 42660,
    "dDurationMs": 2820,
    "segs": [ {
      "utf8": "may not help you reach\nyour financial goals."
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  }, {
    "tStartMs": 45480,
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    "segs": [ {
      "utf8": "So, let's talk about"
    } ]
  }, {
    "tStartMs": 46770,
    "dDurationMs": 2610,
    "segs": [ {
      "utf8": "some of the worst financial misinformation"
    } ]
  }, {
    "tStartMs": 49380,
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    "segs": [ {
      "utf8": "we hear all the time."
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    "segs": [ {
      "utf8": "- Because some of it is bad advice"
    } ]
  }, {
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    "dDurationMs": 2482,
    "segs": [ {
      "utf8": "you might already be following."
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  }, {
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      "utf8": "(exciting upbeat music)"
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  }, {
    "tStartMs": 61680,
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    "segs": [ {
      "utf8": "Do you remember those Reddit posts"
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  }, {
    "tStartMs": 63690,
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    "segs": [ {
      "utf8": "that went viral encouraging people"
    } ]
  }, {
    "tStartMs": 65640,
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    "segs": [ {
      "utf8": "to buy stock in movie\ntheaters and video game stores"
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  }, {
    "tStartMs": 69060,
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    "segs": [ {
      "utf8": "and hold onto it for a\npotential huge payout?"
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  }, {
    "tStartMs": 72450,
    "dDurationMs": 3300,
    "segs": [ {
      "utf8": "Or is your feed flooded\nwith day trading influencers"
    } ]
  }, {
    "tStartMs": 75750,
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    "segs": [ {
      "utf8": "going on about the top three\nstocks to buy this week?"
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  }, {
    "tStartMs": 79530,
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      "utf8": "When an influencer tells you\nthat a specific investment"
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  }, {
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      "utf8": "is going to be the next best thing,"
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      "utf8": "it's usually a red flag"
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      "utf8": "because they may just be trying"
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  }, {
    "tStartMs": 88320,
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      "utf8": "to deliver the new sensational content"
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  }, {
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      "utf8": "that the algorithm demands."
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    "segs": [ {
      "utf8": "Sure, you'd be in a pretty good spot"
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  }, {
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    "segs": [ {
      "utf8": "if you bought shares\nin a big, buzzy company"
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  }, {
    "tStartMs": 97260,
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    "segs": [ {
      "utf8": "like Apple or Nvidia before it was cool,"
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    "segs": [ {
      "utf8": "but influencers oversell the\nfantasy of overnight success"
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  }, {
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    "dDurationMs": 2820,
    "segs": [ {
      "utf8": "and undersell the risk\ninvolved in guessing"
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  }, {
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    "segs": [ {
      "utf8": "which individual stock\nwill rise to the top."
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  }, {
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    "segs": [ {
      "utf8": "Instead, you could invest in an index fund"
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  }, {
    "tStartMs": 112260,
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      "utf8": "that covers hundreds of individual stocks,"
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  }, {
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    "dDurationMs": 2670,
    "segs": [ {
      "utf8": "and you'll benefit from\nthose superstars anyway,"
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    "segs": [ {
      "utf8": "even if that's not the kind of advice"
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    "tStartMs": 119430,
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    "segs": [ {
      "utf8": "that inspires millions\nof clicks and views."
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  }, {
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    "segs": [ {
      "utf8": "- And while you're better off not trying"
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      "utf8": "you can also be skeptical of people"
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      "utf8": "who tell you there is no way"
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      "utf8": "you can successfully\nmanage your money yourself"
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    "segs": [ {
      "utf8": "and that you need to pay\nsomeone to do it for you."
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      "utf8": "But research shows time and again"
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      "utf8": "that actively managed funds,"
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      "utf8": "where investment managers choose\nwhich stocks to invest in,"
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    "tStartMs": 143820,
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    "segs": [ {
      "utf8": "don't perform better than index funds,"
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  }, {
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    "dDurationMs": 1980,
    "segs": [ {
      "utf8": "the kind where you're\ninvesting in the market"
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    "tStartMs": 148350,
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    "segs": [ {
      "utf8": "as a whole in the long term."
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      "utf8": "Plus, actively managed funds can charge"
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      "utf8": "that eat into your investments over time."
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  }, {
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    "segs": [ {
      "utf8": "- Here's some more dubious\nadvice that sounds good at first."
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    "segs": [ {
      "utf8": "Never use a credit card."
    } ]
  }, {
    "tStartMs": 162090,
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    "segs": [ {
      "utf8": "The whole genre of creators trying"
    } ]
  }, {
    "tStartMs": 164250,
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    "segs": [ {
      "utf8": "to pay off their credit\ncards might make you"
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  }, {
    "tStartMs": 166470,
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      "utf8": "want to steer clear of credit entirely,"
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      "utf8": "especially if you don't want to join"
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      "utf8": "the 40% of American adults\nwho have credit card debt."
    } ]
  }, {
    "tStartMs": 174360,
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    "segs": [ {
      "utf8": "But avoiding credit cards\naltogether makes it difficult"
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  }, {
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      "utf8": "to build a good credit score."
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  }, {
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      "utf8": "And without one, you may have\nto pay higher interest rates"
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  }, {
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  }, {
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      "utf8": "or find it hard to rent an apartment"
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  }, {
    "tStartMs": 186030,
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    "segs": [ {
      "utf8": "or even be hired for a job."
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      "utf8": "- But if you do open that credit card,"
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    "tStartMs": 205470,
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    "tStartMs": 209940,
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      "utf8": "Ideally, you're paying your\ncredit card statement balance"
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  }, {
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  }, {
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      "utf8": "That would prevent a thousand\ndollar bill this month"
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      "utf8": "- And if you're part of the\navocado toast generation,"
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  }, {
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  }, {
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      "utf8": "is because you're throwing\naway money on lattes."
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  }, {
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    "tStartMs": 235260,
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      "utf8": "cutting out a small luxury like coffee"
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      "utf8": "Say you buy a coffee out\nevery single day of the year,"
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    "tStartMs": 256530,
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    "tStartMs": 259680,
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      "utf8": "So, yes, make sure your fun spending"
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    "tStartMs": 275730,
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  }, {
    "tStartMs": 283890,
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      "utf8": "You know, the, \"You'll\nmake your money back,"
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    "tStartMs": 286290,
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      "utf8": "but you'll never have another chance"
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    "tStartMs": 287640,
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      "utf8": "to have a Euro summer in your 20s.\""
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  }, {
    "tStartMs": 290160,
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    "segs": [ {
      "utf8": "Trends like these make\nsense to us emotionally."
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    "tStartMs": 293610,
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      "utf8": "As an increasing number of\nGen Zers and Millennials"
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  }, {
    "tStartMs": 296010,
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  }, {
    "tStartMs": 298470,
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      "utf8": "they're turning to smaller\nluxuries like travel instead."
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  }, {
    "tStartMs": 302040,
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    "tStartMs": 303720,
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  }, {
    "tStartMs": 306570,
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      "utf8": "A recent survey found that\n26% of participants planned"
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  }, {
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      "utf8": "to take on credit card debt to\npay for their summer travel,"
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  }, {
    "tStartMs": 313770,
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      "utf8": "making these emotionally\nsatisfying experiences"
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    "tStartMs": 316650,
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  }, {
    "tStartMs": 322920,
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  }, {
    "tStartMs": 329100,
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      "utf8": "for your next vacation"
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  }, {
    "tStartMs": 330270,
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      "utf8": "and your memories can last longer"
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  }, {
    "tStartMs": 332100,
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    "segs": [ {
      "utf8": "than your credit card payments do."
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  }, {
    "tStartMs": 333780,
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    "segs": [ {
      "utf8": "- So, now you can live like\nyou're young and wild and free,"
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      "utf8": "but if someone tells you\nthat you have plenty of time"
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      "utf8": "If you contribute to a\nretirement account like a 401k"
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      "utf8": "or an IRA starting at the age of 22,"
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      "utf8": "you may end up with nearly\ndouble the retirement savings"
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      "utf8": "of someone who starts saving\nthe same amount 10 years later,"
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      "utf8": "thanks to compound interest."
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    "dDurationMs": 2940,
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      "utf8": "So, even if you can\nonly make a small start,"
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      "utf8": "thinking about your retirement\nin your 20s seriously pays."
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    "dDurationMs": 2880,
    "segs": [ {
      "utf8": "- And while it's good to\ninvest in your future early,"
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  }, {
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    "dDurationMs": 3750,
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      "utf8": "don't let that urgency rush\nyou into a bad decision."
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      "utf8": "Most of the time,"
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      "utf8": "when you hear that you\nhave to act immediately"
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      "utf8": "or you'll get left behind,"
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  }, {
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      "utf8": "it's actually a good sign to slow down."
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      "utf8": "When you're seeking advice\nfrom influencers online,"
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      "utf8": "they often stand to benefit financially"
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    "segs": [ {
      "utf8": "when you do what they tell you,"
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    "tStartMs": 385830,
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      "utf8": "whether that's through\nbrand deals or commissions,"
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  }, {
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    "dDurationMs": 1650,
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      "utf8": "and they don't always disclose"
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  }, {
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    "dDurationMs": 2520,
    "segs": [ {
      "utf8": "when their advice is actually an ad."
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  }, {
    "tStartMs": 392430,
    "dDurationMs": 1920,
    "segs": [ {
      "utf8": "So, buying that cryptocurrency"
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    "tStartMs": 394350,
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    "segs": [ {
      "utf8": "or signing up for that investing course"
    } ]
  }, {
    "tStartMs": 396300,
    "dDurationMs": 1380,
    "segs": [ {
      "utf8": "or opening that credit card"
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  }, {
    "tStartMs": 397680,
    "dDurationMs": 3120,
    "segs": [ {
      "utf8": "may be better for them than it is for you."
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  }, {
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    "dDurationMs": 2160,
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      "utf8": "- A survey by the\nCertified Financial Planner"
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  }, {
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    "dDurationMs": 3300,
    "segs": [ {
      "utf8": "Board of Standards\nfound that 29% of people"
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      "utf8": "who looked for financial advice online"
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  }, {
    "tStartMs": 408510,
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    "segs": [ {
      "utf8": "regretted making rash money decisions."
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    "dDurationMs": 2670,
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      "utf8": "- So, it's probably worth taking your time"
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    "segs": [ {
      "utf8": "and approaching any finfluencer advice"
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      "utf8": "with a little bit of skepticism"
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      "utf8": "because you're the one"
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      "utf8": "who will have to live with the outcome."
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    "segs": [ {
      "utf8": "- And that's our two cents.\n- And that's our two cents."
    } ]
  }, {
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    "segs": [ {
      "utf8": "(exciting upbeat music)"
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}