{"version":"1.2.0","chapters":[{"startTime":0,"endTime":37.59},{"startTime":37.59,"endTime":41.11},{"startTime":41.11,"endTime":183.37,"title":"Managing Holiday Debt"},{"startTime":183.37,"endTime":285.72,"title":"The Cycle of Holiday Debt"},{"startTime":285.72,"endTime":395.43,"title":"Planning for Debt-Free Celebrations"},{"startTime":395.43,"endTime":509.09,"title":"Avoiding Holiday Debt: A Call for Love Over Gifts"},{"startTime":509.09,"endTime":609.39,"title":"Celebrating Love Over Debt"}]}