{"version":"1.2.0","chapters":[{"startTime":0,"endTime":37.59},{"startTime":37.59,"endTime":40.926},{"startTime":40.926,"endTime":133.88,"title":"Understanding Financial Struggles"},{"startTime":133.88,"endTime":280.79,"title":"Understanding Financial Challenges: The Cycle of Lifestyle Creep"},{"startTime":280.79,"endTime":405.39,"title":"Understanding Emotional Spending and Its Impact"},{"startTime":405.39,"endTime":452.05,"title":"Understanding Needs vs. Wants"},{"startTime":452.05,"endTime":543.32,"title":"Understanding Financial Needs and Wants"}]}