British blogger Adam Piplica left his job as a marketing analyst to pursue blogging full-time, but then decided to go back into the full-time working world as a certified financial planner to really make a difference in people's lives. Hear how it all happened in this week's episode.
Eric Rosenberg: Ladies and gentlemen, boys and girls, children of all ages, welcome back to the Personal Profitability Podcast. As always I am your host, Eric Rosenberg. And I'm very excited to have a special guest on. This guest, I've recorded now I'm on the West Coast, I've recorded with some folks on the East Coast; that's a 3-hour time difference. This is our biggest time difference yet we've recorded. It's 10:30 in the morning my time but 6:30 on the other side of the pond, in jolly Old England. And my friend, Adam Piplica is on the line with us. Say hello to everyone, Adam
Adam Piplica: Hello, I'm really excited to be here.
Eric: So before we get into the meat of it, I have to share. A few weeks ago, I was in London, I guess now a month or so ago, and I got to see Adam. He invited me to a finance blogger meetup in London which was so cool. I was the only Yankee allowed on the premises, the only American.
Also on that trip I got these really, really cool socks. There's this store, I always thought it was pronounced ‘Charles Tyrwhitt, but my friend who works on the equivalent of Wall Street for England over on the business district, he's a lawyer there, he told me it's actually ‘Charles Tyrwhitt.' So I apologize for having mispronounced it for so long. But I went to the store. It is one of my absolute favorite stores for men's clothing. I don't wear a lot of women's clothing. I went to the store, I picked up these sweet Union Jack socks. The Union Jack is the logo on the British flag. So I'm wearing my Union Jack socks right now in honor of recording with someone in England.
Adam: I loved you've got it all on theme. I'm not wearing American socks but…
Eric: I don't own American flag socks so only British flag socks. I don't know, maybe I need to move over to London or something. I'm kidding. I'm enjoying living on the beach.
To get on to what we're really here to talk about is profitability topics like always. And Adam i met a few years ago in Denver. He came out for FinCon when it was in my hometown; my old hometown now, in Colorado. We've stayed in touch over the last four, five years just about. Adam is a really genuine nice guy. He's very transparent with his journey. And what brought him to FinCon in the beginning was he has a site called Magical Penny but he then went on and created a whole finance career.
Early Investments and The Magical Penny
Let's dive in and talk about the genesis of it all. Where did the idea for Magical Penny came from?
Adam: Well thanks, Eric for having me on here. I'm quite excited because I started Magical Penny over here in England because I was reading a lot of American websites hearing all about 401(k)s and Roth IRAs and getting excited. And then I went to…
Eric: I don't think many people get all that excited about 401(k)s but there are a few of us.
Adam: It was all fancy at first because I first started getting interested in the stock market and investing when I had no money whatsoever when I was at college. I just couldn't wait to start my new job. I had it all planned out. I was gonna save and start investing and I just needed that first paycheck to come. So it was exciting to me because of just the potential. Cause everyone was saying, oh if you start young and start saving and investing then give it 30,40 years and the power of compound interest can result in a lot of wealth being generated. So I just couldn't wait to get started.
I graduated university in 2007 and promptly got the job and started investing. And we all know what happened in 2007-2008, don't we?
Eric: Around 2007, it was about the same time I actually started my blog it was then Narrow Bridge Finance, now called Personal Profitability. But that time, everyone was freaking out – the mortgage market was collapsing, everyone is saying the world was gonna go into a global economic recession, the stock market tanked, and I don't know if the post is still there, I’ve deleted a lot of old posts that aren't as good as the ones today, but I actually said when the stock market's down like now and everyone's freaking out, this is the best time to buy stocks. But I know emotionally that doesn't always makes sense and for new investor, someone who had just started your first job and just started investing, that's probably not the first thing that comes to mind.
What did you do when the market exploded?
Adam: Well Eric you know that I'm weird. So I actually…that exactly what was came to mind. It was a great buying opportunity. I've been reading all the blogs and websites online and I knew exactly what to do. So when it actually happened I thought, hey this actually happening and I've got skin in the game as well. I did actually just keep on investing as usual.
It was quite exciting because it actually meant that the stock market news was…it was in the news a lot more than it previously was so when I telling all my friends about my investing journey. I think when I first started people weren't really that interested but as 2008 happened and 2009 happened and the market was a real talking point my friends started getting more and more interested in it. And that's kind of what inspired me to start the blog because I was telling people about what I was doing and about the investments and telling people, ‘this is the time to start.'
And I thought, let's start my own blog and be able to reach more people and to share my message. That's how Magical Penny happened. The name Magical Penny comes from a song that I used to sing when I was very small and called, ‘Love is like a magical penny, hold it tight you won't have any, give or share it and you'll have so many or roll all over the floor. Love is something if you give it away, you end up having more.' So I thought that really does describe compound interest and having so many pennies roll all over the floor. I thought it was a fun name. And I couldn't get MagicPenny.com but I could get MagicalPenny.com so I registered the domain and the rest is history.
Eric: And here we are.
Life as a Market Analyst
Eric: What was your first job when you finished at the university? Did you know you were going to go into a financial line of work or did that happened because of the website? What was the process there?
Adam: I did a History and Politics degree so it wasn't directly applicable to any job really. But I knew I was interested in marketing and writing. And I had a part time job while I was at university working for a market research company that used to research for all sorts of different companies, from Vodafone and the mobile phone company to a bread manufacturer to a power company. We used to check on how the advertising was performing.
So I just thought it was interesting because it worked with big brands and did lots of exciting projects. I did that and I worked in the quantitative side of it so very numbers driven. I would never say that numbers were an absolute passion of mine but I really had healthy respect for numbers. So I was quite pleased to work with a numerical quantitative side looking at the research data and finding the stories within that data. And I enjoyed it because it had the mix of marketing and numbers and the story within the data.
Have More Cheese
Adam: I enjoyed it for a few years and I was doing Magical Penny on the side. And each night I wanted to get my creative outlet more shown so it was really good to have to juggle both those things.
Funny story, at one point I was working late and I post on Facebook that I was burning the candle at both ends and getting really excited about all these opportunity and things I could do in creativity. And in the morning I slept in and was late for work. I was really embarrassed. One person put a comment by saying, ‘Adam, in order to burn the candles at both end you have to actually wake up in the morning.' But it just showed that I was just excited about both my work and I was excited about this new online aspect to it where I was writing and sharing about investing.
I started getting quite a lot of traffic, quite early on just by thinking of interesting angles. My most popular article that kind of put me on the map so to speak was how I compared saving money to how people on Subway sandwiches persuade customers to have more cheese on their sandwiches. The point or message was you need to assume that you want the cheese so they don't say, ‘Would you like any cheese?' at the end. They just assumed. They have the cheese on their hands and they're about to put the cheese on the sandwich and they go,' You're having cheese with this, right?' And people, because they make it seem automatic or base an assumption that they want cheese….
Eric: I love cheese.
Adam: You're gonna choose the cheese on your Subway sandwich. And I thought that's exactly the same with money, you need to make it automatic. You need to have an assumption that of course you're gonna be saving money. You should save first not save what's left at the end of the month. Save first. And because I have that cheese story. And yes, Americans love their cheese. It was quite a hit in America and I got quite a lot of traffic in it; put me on the map. It was a fun journey, when it started.
Eric: My aunt and uncle and one of my cousins all went to the University of Wisconsin. And Wisconsin, as any American would know, is famous for its Wisconsin cheddar. So we have some cheese-heads in the family. It was actually a NFL football team, The Green Bay Packers that people wear cheese hats to go to the game cause they're so dedicated to the cause. That's where cheese-heads come from. But I don't like the Packers. I like the Vikings which is one state over, that's where I was born. That's a story for another day. We don't need to talk about American football.
Adam: I do like that there was the cheese element where people refer to money as cheese as well and they're like making cheddar.
Adam: It had a lot of different angles to that but the key takeaway was I wanted to encourage people to make saving automatic. I didn't want them to think that they could only save money once all their other bills had been paid. And the fact that if you make the commitment to save money and earn extra money and put that toward saving and investing that it can have a real impact.
I was excited about being able to share that message and I was living proof.
Becoming a Certified Paraplanner
Eric: So then you're working in this quantitative driven marketing type role, when did you decide I'm gonna walk away from that and become a financial advisor and help people meet those goals?
Adam: First of all I didn't want to be a financial advisor at first. I was really happy about what I was doing. And I was sharing my message with other people about how to get it started but I was really nervous about telling people what to do. I was mostly just saying, this is what I did. Obviously I don't know your circumstances and I'm not a financial advisor but this is what I do. And then more people would email me and say, ‘what would do here?' And I'd say, well I'm not a financial advisor but I would do this.
Then I thought, why aren't I a financial advisor? I had decided that I wanted to work more with online publishing and websites and things because I had started getting revenue from the websites with writing and people wanting to link to them and consulting as well. People wanting to grow their websites and they wanted to hear what I've done and how I'd grow it.
Because I was always really interested in that marketing side so I actually left my job to just be a blogger essentially. And that was great work. There was something about, I just felt limited in a way. I was interested in the marketing side and the writing side but I wanted something behind that. I wanted a little bit more substance. I wanted to be able to help people more. And I felt after meeting financial advisors at FinCon, the conference where we met, they inspired me that not only were they making money from their blogs or from their websites and through writing and being creative but they were also using their websites to reach potential clients and then take a step further, much more than just helping people by sharing an article or a strategy. They could take them by the hand and invest.
Because I realized that even though my friends, who I was telling about, they have the information. I've given people the information on my website. Some people with all the information in the world, they don't take the next step. They don't start investing and they don't know where to start. You could have information overload. I felt if I was a financial advisor I could take people by the hand. I could take people to a next level in a way that you can't do with a blog.
So I decided I'm gonna be a financial advisor. I contacted financial advisor companies and thought that with my skill set, the quantitative background I had, and with my website and all that things I was doing I thought, of course they're gonna take me on. And then they didn't. That was a really humbling experience because I had all these people who I was asking for a position and they were either too busy or I didn't have the requisite qualification to justify why they should take me on. It was really quite humbling because I felt like I've been quite successful in both my career up to that point and with my website. I realized actually I needed to prove in the British context to study for the British qualification of a diploma in financial planning. And it was quite funny because I actually knew more about US Tax Law and 401(k)s, Roth IRAs than I did about the British system.
Eric: That's funny, we had a, actually just the last guest on this show is Jason Vitug and his site is Phroogal, and he had a similar thing though. It's not financial advisors not wanting to work with him but he was trying to get out there and really grow his online business and people said, ‘well are you really an expert if you don't have a book under your name?' So he wrote a book to get published so people would recognize him as an expert. In your case, you went and got your qualifications, your degree. It's an interesting theme to see come up multiple times in a row.
Adam: It's funny though, isn't it? Because we're just looking for credibility cues, either if it's someone who's got an MBA or they've got the degree or they've got this diploma as I did. We're looking for it when you don't necessarily need it in a way. You do need it from a regulatory point of view and I'm glad I got it but I feel like it's funny that we have to have these cues, these short hands, they just give people a little bit more credibility. But …
Eric: It's actually, the legal perspective's interesting also. I have an MBA, I have two finance degrees and sometimes I talk to people who have gotten into the investment business and they might have gotten let's say an English degree or a History degree, not to pick on you with your History degree, they're totally unrelated to investments at all. They went through and got their Series 7 or Series 9, Series 11, whatever the licenses that they needed to become a registered financial advisor to be able to give advice. And I don't have that so I'm allowed to tell people, ‘oh you should invest in a low fee S&P 500 Index Fund.' But I'm not allowed to say which fund they should invest in even though I probably have better credentials for my education than the people who went and got the license. It's funny we have these very rigid rules about what makes someone qualified and what doesn't; and sometimes they seem a bit arbitrary.
Adam: And I actually met at that blogger conference event in London that we met recently when you came over, I actually met someone who had done the complete opposite route to me and we both crossed over and gone to the other side. He was a financial advisor and helping people and then started a website. He felt that he was able to provide a lot more value and he got a lot more fulfillment out of the website side so he decided to move from being a financial advisor to just being a full time blogger. And I've gone from being a full time blogger to being a financial advisor. Well, not quite yet but I'm academically qualified enough to be and that's the path I'm going for.
Eric: Because the grass is always greener. We'll see if you guys cross back. Let's see what happens there in the future. I'm curious.
Anyway, what was that process getting those credentials? I know they're in both the US and the UK there's huge tests and a lot studying and a lot of practice. You have left your job, you are working for yourself and then you're like, okay I'm gonna start studying and working. What was that like?
Adam: In all honesty, it was a low point in my life because the thing with building your own business is when you're not working and not developing on that, you're not earning. So I felt like it was a double hit on my finances, on my life really because the time that I would spend studying I wasn't spending earning money in other ways.
I'm glad I went through it though because it did reinforced my choice that I wanted to do it. It made me really want it. And also it was a perfect opportunity to prove the power of having a savings account and having the investments because you never know when you might need it. People talk about an emergency fund and when it rains and things. The fact that I built a cash cushion of savings over the years I thought I was saving for I was old and grey but actually as it turned out I was saving to allow me to make this transition a little bit more smoother that I otherwise would have been able to do.
Eric: I felt the same way when I left my full time job which I guess not it's now two months ago and change, I left my job… it was the same thing. I knew there was no way I was gonna be able to leave any kind of job like that if didn't have a significant safety net. We actually sold our house in Portland and did well selling our house there; we made 20% on it which is great, did that the same time I left the job and we moved down to California. Not only did I have my emergency fund and other additional savings which I haven't had to tap into; knock on wood that I won't have to.
[dog barks] And my dog thought that someone knocked at the front door. That was just me, Yogi. That was not the front door.
Yeah, it was nice to have that but then selling the house also I had multiple years’ worth of income saved up there that if all else fails I knew I'd be okay. So having a cushion like that it can really allow you to change your life when you want to change your life and not to feel chained to whatever you were doing before.
Adam: It gives you the confidence you can't really describe. But it still was a difficult journey and I kept on… there were six exams in total that I needed to complete to get this diploma which seemed to be the benchmark for moving into the profession. And after each exam that I earned, I studied I did it in about a month and a half each exam and for the first few. And with each exam I emailed out to my contacts my target places where I wanted work and told them I passed this exam and I was that much more close to getting my diploma.
It was actually a face to face contact when I went to a conference that I met someone who is my local area and explained my story and my journey. He gave me a chance. He's a [inaudible 22:26] and certified financial planner. I was just so grateful after having quite a lot of rejection and people saying that they weren't sure, we'll wait until you've got the diploma. And I actually was only halfway through my diploma when I was given that opportunity to start with him. I could immediately give value in terms of the writing side. I started writing on the website and I wrote articles that he was putting out in local newspapers. I could help develop the website. He could also introduce me to the actual practical side of financial planning and getting an insight into the administration and the power planning side that the technical bits that he was doing for his clients.
Eric: I know a lot of people especially with the economy we're just talking about, that there's a lot of young people especially who have trouble finding a job and they're out there hustling and talking to people and they get rejection after rejection. It's the same story. It's easy to get discouraged but it only takes one person to say yes and everything turns around. And you are a perfect example of that.
Adam: As I was going through this I can't help thinking all these bad things. I was like, this is gonna to be a really super inspiring story when it eventually does work out. Because I didn't give myself any option. I backed myself into a corner and everyone knew what I was doing. And I knew what I was doing and I wasn't gonna change my mind. It was only a matter of time.
But an important thing that I've already mentioned but I'm gonna reiterate this – we are at this internet generation and all my online successes is great and the fact that I know you and you're over in America and I have all these friends. And the internet is an amazing thing but it's gonna make me sound old now but ….
Eric: Old man Adam
Adam: I had no success until I actually went face to face. So it's not like the internet has replaced face to face real on the ground relationships, I got a position at the conference through Twitter. I reached out to the conference organizer and said are there any student tickets to this financial advising conference because I'm on a budget.
And he allowed me to come as my guest. He's called Brett Davidson and he's a consultant for financial advisors and helping them build their financial planning practice. And he allowed me to go as his guest to this event in London. But I still had to get my train down to London and walk into a room full of financial advisors. I was just a …had zero experience in the financial services sector.
And then I was introduced to who would eventually be my boss who believed in me and gave me a chance, a financial planner called Andrew Elson of Beaufort Financial Planning and I'll just be forever indebted to him for giving me the shot. He was that one person, he was the person everyone talks about how you just need one person to believe in you. You just need to see how you can add value. I wasn't asking for a handout. I felt I was a great proposition for someone. And I was surprised I haven't been snapped up with others but it's hard. It's hard for business owners to see sometimes an opportunity or they feel like they need to invest time and energy into training someone. And you need to make it easy for them and make them be able to see the benefit so you can immediately start adding value to the business rather than just looking or someone to train you and not be able to give anything back.
Eric: That online offline divide is a very important thing. I wouldn't be doing what I'm doing today sitting here in the middle of the day on a weekday were I used to be sitting in a grey cubicle staring at the grey cubicle wall for 8,9,10, 12 hours a day…It was me made an online connection that gave me the faith to go to the first conference I ever went to for financial blogging, it was in Chicago, and those connections I made in person, it got snowballing and growing over the following years and inspired me and taught me and led to the path that I was able to leave my job two months ago and do this full time.
So it wouldn't have happened at all without either the online or the offline part. They're both so important. It used to be that people were so afraid to put anything about themselves online because of previous stalkers, and yes there still are creepy stalkers, they're out there, but being genuine with who you are both online and offline, marrying those two together really lead to some great opportunities. Neither of us would be where we are without the online and offline opportunities both. It's a cool thing.
Adam: It really is. You can't ignore, you have to keep both of them going because we live in the offline world essentially in day to day and even though the internet is amazing there is always a real person behind the avatar.
Eric: I'd like to think that I'm a very good looking person
Adam: Well you and me both. And I've got the British accent…
Eric: I know and that's like…I was..
Adam: The annoying thing is it only works on the other side. No one thinks that my accent is remarkable here.
Eric: I thought it was great. When I was on that last trip to London on the side of a bus there was a big ad I saw it ton of times on those double decker bus that everyone thinks of when they think of London, it said there was a big advertisement for Las Vegas. I just got my private pilot license a couple of months ago. It's like it actually go about 15 minutes from here, hop in a little plane, we'd be in Las Vegas in two hours; not that far maybe four, five hours drive with a car. And big advertising for Las Vegas it said, ‘Go to the one place in the world where your accent is an aphrodisiac.' I got a kick out of that.
Adam: Yeah it's great but again it's that whole grass is always greener isn't it? It's always so interesting when Americans add these European premium with the Swedish mattresses and German engineering and Italian foods and things. And it's just funny because just because things seem more exotic when they're further away. They're all…
Eric: Does the same thing happen the other way like if I were still in my single days, let's say for the single guys listening right now who live in the United States, if they were to hop on a plane to London, go out to Ministry of Sound or Fabric or one of the cool hip night clubs in, people don't talk about night clubs anymore, one of the big clubs the totally groovy clubs in London, does the American accent give you a little edge in with the girls there? Are they like, oh just another loud obnoxious American?
Adam: I think it does work but I don't think it works as well as the other way around. I definitely, everyone found me hilarious in America everywhere I went.
Eric: Well it's just cause you're a funny guy. I don't know if that has [inaudible 30:08] your accent. You're just a funny guy to hang out with.
Adam: Well thank you very much. I think it definitely was the accent definitely just help a little bit more than the other way around which is a little bit unfair but hey, I'm on the winning side so it's all good.
Eric: To bring this Wisconsin thing we talked about full circle; I can't believe I'm about to admit this on the internet but I have once upon a time seen this movie called Love Actually that a bunch of girls, much are friends that are girls not girl friends in college that kind of twisted my arm into watching with them and there's a part where this guy who's from England is having, he's down in the pits, he's having trouble with dating, he gets dumped by his girlfriend or something, he's just having the worst of luck and he say to his buddy, ‘you know what I'm gonna do? I'm gonna go to America. I gonna meet some beautiful girls and they're gonna fall in love with me just because of my accent. And they're gonna think I'm dashing and handsome and it's all gonna work out well.' And at the end of the movie he gets to a plane to of all places I think it was Wisconsin. I don't know why I remember this. He goes into a bar and he gets some crappy beer like a Coors Light or a Bud Light or something that's so American but America makes much better beers. He gets this crappy American beer, sits down and three gorgeous women come up him and essentially invite him over for a threesome just instantly.
Adam: Yeah. That hadn't happen to me but it's definitely, definitely is funny. I went to this Renaissance Fair in Pennsylvania once and I just ordered some chowder I think it was and the people serving, there was three girls, and they just went,' You're from England.” And I said, ‘Yes I am actually, yes. Thank you.' So yeah, it's a good dynamic.
Eric: That's great. So what are you doing now, you have this fancy new credentials, you've taken the exams, are you still working for the same guy who went out on a whim and gave you a shot? What's your plan look like? What's next for Adam Piplica in England?
Adam: Well I actually moved on from the guy who gave me that first shot and just to progress. It was a relatively, well it was a very small company that I was working for and I wanted to just gain more experience and move to a more technical role. And as I got these credentials the diploma and I wanted to move to a paraplanning role. A paraplanning role doesn't involve jumping out of an aircraft with a parachute.
Eric: I don't see any reason that I will ever jump out of a perfectly good airplane. I'd rather be driving it than jumping out of it.
Adam: Well this one, with paraplanning it's essentially doing the work of a financial advisor without seeing the clients themselves. It allows the financial advisor to see more clients and to stop them from getting bogged down in a lot of the detail that we need to when we're compiling a financial plan.
I moved to a company in York where I live. It's a little bit closer to where I live. And now in this paraplanning role so I get to work with six or seven financial planners, financial advisors and they come up to me with different tasks like I might need to research a pension or a retirement vehicle here and might need to look at these investments there and need to make sure that the investments are matching the risk tolerances and I need to do research on the tax implications of someone who wants to take some money out of a bond or they want to [inaudible 34:14-34:18] because each different product has its own fine print essentially that impacts on the tax implications of the things [inaudible 34:26]
So it's really interesting that I get to see how six or seven different financial advisors work because each have their own different style. Some have an expertise in one area or another and it’s really just allowing me to learn and [inaudible 34:49-34:53] take from the best of all these different financial advisors that I'm working on. But I'm also managing to [inaudible 35:01] space.
They know that I'm relatively good, I wouldn't say I'm a great advisor but I do manage to enjoy the creative outlet of writing and [inaudible 35:16] proofread the client newsletter that we send now and that offer ended up leading to me being the editor of the newsletter now. It's quite fun that I get to decide on what kind of messages or articles are we going to include in each month's newsletter.
I enjoy that but the thing that's really gives me a warm feeling is I'm doing this writing [inaudible 35:42] and doing this creative side of it based on something much bigger. It's based on the substance of working in the financial planning practice. And I know that the things that I'm writing about are going out to clients who are really looking after their money, who are looking after their financial future and it's all tied in together and that is kind of what I wanted to do because if I just wanted to write I could just be writing on my website which I'm still doing by the way, still blogging at MagicalPenny.com and [inaudible 36:23] the next step further now that I've gotten these financial qualifications. I want to go more in depth with this [inaudible 36:27]
Eric: We're having a bit of a weak connection here so sorry listeners if you're hearing it's kind of choppy but I still hear you kind of in and out, Adam.
Eric: I think with the connection weakening maybe we've hit a good pause point until next time. I'd love to chat with you again. You have some great insights and useful information and people just like to hear a British accent as you say. So more British people on the show the better, right?
Anyway sorry to cut it a little shorter but I wanna give everyone…
Adam: Well I'd love [inaudible 37:14]
Eric: There you've broken out again. Let's see if we can, if we can get it long enough for you to tell everyone where they can find you and how they can connect with you
Adam: Well thank you so much for having me on. I'd love to 37:29. You can find me at MagicalPenny.com [inaudible 37:35]also on Twtter @AdamPiplica, A-d-a-m-p-i-p-l-i-c-a [inaudible 37:47] and I'm on Instagram as well from my Adam Piplica name as well. So thank you so much, Eric for having me on. I'd love to come back again some time and definitely I would say that you are an inspiration for [inaudible 38:02]
Eric: Thank you, thank you. If anyone didn't catch all those social media things and the website, those will all be on the show notes in the content on iTunes, if you click a little down there you can see that or you can just go to personalprofitability.com open up the latest episode at personalprofitability.com/blog and you'll see Adam's bright shiny face there and you can click through to his website or any of his social channels.
Thank you so much, Adam for being here with us. Thank you listeners even though there was a little choppiness here at the end for listening and being a part of Adam's story and definitely go check out his stuff.
And thank you as always from me for being here and listening. If you enjoy the show if you enjoy lots of episodes please the biggest favor you could do to me the only way that I ask you to pay anything is by just sharing it with a friend. That's the only PR that I do for this show is word of mouth. I don't do any other advertising. And if you enjoyed it and think it's earned a five star review hop on to iTunes or Stitcher, wherever you listen to your podcast and drop that review. And if you don't think I got a five star worthy review, send me an email – firstname.lastname@example.org. Let me know what I can do better, what you would like to listen to and we'll always keep making the show better and greater and have more guests just like Adam Piplica who has joined us. Adam, are you still out there? Wanna say goodbye to everybody?
Adam: Yes, I am still here. I look forward to hearing from you.
Eric: Great. Talk to you soon. Thank you again so much, Adam. And for everybody out there in the Personal Profitability universe, I'll talk to you soon. But until next time, stay profitable.