{"version":"1.2.0","chapters":[{"startTime":0,"endTime":37.59},{"startTime":37.59,"endTime":37.91},{"startTime":37.91,"endTime":54.156,"title":"Introduction to Financial Challenges"},{"startTime":54.156,"endTime":138.052,"title":"Using Retirement Accounts as an Emergency ATM"},{"startTime":138.052,"endTime":384.19,"title":"Virginia's Financial Dilemma"},{"startTime":384.19,"endTime":438.898,"title":"Understanding Emergency Funds"},{"startTime":438.898,"endTime":516.16,"title":"Exploring Borrowing Options from Retirement Plans"},{"startTime":516.16,"endTime":553.984,"title":"Roth IRA Withdrawals Explained"},{"startTime":553.984,"endTime":614.996,"title":"Hardship Withdrawals and the Rule of 55"},{"startTime":614.996,"endTime":712.716,"title":"The 60-Day Rollover Rule"},{"startTime":712.716,"endTime":815.174,"title":"Real-Life Client Stories"},{"startTime":815.174,"endTime":1132.132,"title":"Key Takeaways for Financial Health"},{"startTime":1132.132,"endTime":1177.667,"title":"Conclusion and Next Steps"}]}