{"version":"1.2.0","chapters":[{"startTime":0,"endTime":28.917},{"startTime":28.917,"endTime":29.957},{"startTime":29.957,"endTime":153.819,"title":"The Cycle of Emotional Spending"},{"startTime":153.819,"endTime":298.953,"title":"Understanding the Debt Depression Spiral"},{"startTime":298.953,"endTime":486.075,"title":"Understanding the Debt Depression Spiral"},{"startTime":486.075,"endTime":770.517,"title":"Avoiding the Debt Depression Spiral"},{"startTime":770.517,"endTime":932.729,"title":"Tips for Financial Well-being and Gratitude"},{"startTime":932.729,"endTime":1027.134,"title":"Breaking the Debt Depression Spiral"}]}