Managing Early Retirement - Income Investing from around the globe with Armchair Income.

[@armchairincomechannel]

Thank you Dave; that was a lot of fun! I always enjoy our conversations :)

[@wealthadventures]

Good to catch up and thanks again for sharing! Cheers!

[@JustAnotherPersonHere]

My favorite duo at it again. Thank you fellas!

[@GionnyChannel]

the Armchair man is my hero

[@drdontpassone8164]

2 legit guys talking investments.....no bs . i like that........thank you ddp1

[@wealthadventures]

Thanks!

[@lindsaynewell6319]

Based on this and the reciprocal interview, these two channels are now in my top 5 investment channels and I’ve saved lots of content from both channels to binge as soon as I can make time.

[@wealthadventures]

Thanks! Nice to hear.

[@drdontpassone8164]

agree 100 percent , me the same what are other 3 if i may ask thnx

[@christopherdean9332]

Armchair income is the best, his transparency, knowledge and willingness to share makes him a must follow.

[@wealthadventures]

Nice to hear from someone that has made the jump to retirement.

[@Mr.T98765]

This!

[@derfel6969]

I love it so much when two people I follow independently get together!!

[@KristopherHesson]

Some of my favorite episodes are of the two of you chatting. You two should start a podcast!

[@wealthadventures]

Thanks! Nice to hear. I will poke him about that.

[@marcalvarado1915]

The look on his face when Dave asked him if he would consider going back to work at a job was priceless! Dude is living his best life and bringing us along for the ride to see how. He and Dave are two of my favorites!

[@brucef1299]

Should have offered Spring Roll Taste Tester instead of TW caddie.

[@wealthadventures]

Yes... That was a clear NO. Lol.

[@kimbiwasmith9661]

It sure was!

[@johnmaxwell1356]

I completely agree. I love both of their channels.

[@horsegal3358]

I love seeing the two of y’all together! Great video- thanks!!!

[@wealthadventures]

Thanks for watching and supporting!

[@bethhynes787]

Armchair Income is the most valuable channel I have found

[@wealthadventures]

Good guy!

[@kimbiwasmith9661]

I’m 56 and have subscribed to both of your channels for about a year. I just wanted to say thanks, and I highly recommend BOTH of your channels. I’m right on the cusp of pulling the plug like he did, so this was really helpful.

[@Mr.T98765]

Same here! From another Smith ...

[@wealthadventures]

Awesome! Good luck to you. I like hearing these types of stories as well.

[@momdittomomditto7705]

Love Mr. Armchair’s analyses on his channel! Thanks Dave.

[@wealthadventures]

Thanks for watching!

[@thepixalking6589]

I follow both of you and I enjoy these discussions.

[@wealthadventures]

Thanks! Appreciate it.

[@TonyCox1351]

This collab has great vibes, you two are both so laid back. It’s a breath of fresh air compared to most content creators who over-produce their content or put out click bait. I wish you both great success in this space

[@wealthadventures]

Thank you! Nice to hear.

[@rOHRshackartpottery]

Enjoyed that video. Closely follow Armchair Income and Steve Bavaria, “the Income Factory” while in retirement. I did learn a lot more about Armchair than I knew before. Thank you for having him on!

[@wealthadventures]

Thanks! Appreciate it. Steve has a lot of great info.

[@Emilymckennie]

*I really appreciate your clear and simple breakdown on financial pitfalls! I lost so much money on stock market but now making around $18k to $21k every week trading different stocks and cryptos*

[@animal0matter]

You work for 40yrs to have $1M in your retirement, meanwhile some people are putting just $10K into trading from just few months ago and now they are multimillionaires

[@Carl-k1e]

Most rich people stay rich by spending like the poor and investing without stopping then most poor people stay poor by spending like the rich yet not investing like the rich but impressing them. People prefer to spend money on liabilities, Rather than investing in assets and be very profitable

[@stevehartfort]

You are so correct! Save, invest and spend for necessities and a few small luxuries relatives to one's total assets ratio.

[@AronAfsha]

Waking up every 14th of each month to $210,000 it’s a blessing to I and my family… Big gratitude to Mr Michael Perklin🙌

[@Donhook01]

Hello how do you make such monthly?? I'm a born Christian and sometimes I feel so down 🤦‍♀️of myself because of low finance but I still believe in God

[@brucef1299]

Great to have you guys together again for a chat. I thoroughly enjoyed this one.

[@wealthadventures]

Thanks Bruce!

[@robertlaw840]

Two of my favorite KZbinrs together…what not to like!! Great discussion…I’m probably halfway between your two investing styles right now, but will eventually get to all income. And I second how great Vietnam is…love traveling there!!

[@wealthadventures]

Thanks! I certainly see the draw for income investing.

[@wademarchetti5434]

I have a suggestion for a future video..discussing the possible reduction in income in a prolonged correction for JEPI and JEPQ vs other CC etfs that perhaps use a greater percentage of assests in their strategies

[@wealthadventures]

I can do that!

[@mekchoudi]

So uplifting to follow these 2 experts separately and also great together, from a lifestyle perspective and financial acumen. I love the contrast but complementary between the 2 strategies/styles, Armchair Income for steady and diversified income and Dave for growth and option tactics. Thanks so much for all the learning !

[@wealthadventures]

Thanks! So nice to hear that.

[@davidlabate3460]

Armchair is a great channel. Best thing I did to sign up!

[@wealthadventures]

Nice!

[@drdontpassone8164]

saw this,,,,,,,,, black jack book discussion great,,,,,,,,,,,,,,,,,,,, me a put seller 10 yrs ave about 120 trades/yr .............. i have the same wall but craps books on it,,,,,funny ...........craps math/strats my thing........................................

[@makeiteasydiy5424]

You two are my go-to sources of information. I've really enjoyed the melding of the universes. Thanks to both of you for this video.

[@wealthadventures]

Thank you!

[@aftabkrishna7274]

So glad to see both of y’all together!

[@Crockerfeller]

Another great one! Thank you!

[@wealthadventures]

Thanks!

[@normansimonsen1203]

The Armchair Wealth Adventures Rule ! Retire early Dave. I recommend it highly. It's really great when I don't have to do Anything, unless I want to. You must be special Dave. You are the only one to get the history of the Chair Man.

[@wealthadventures]

Ha! I know how to nag to get the info. My wife taught me well but that can be our little secret.

[@ClintonSiegel]

These two gentlemen have provided so many invaluable insights, investment ideas and interviews. Grateful. I owe you two a drink and a spring roll (a couple actually). Great video. Thank you!

[@wealthadventures]

Thanks! Looking forward to the spring rolls!

[@stevestelk7627]

Great job gents! I follow both of you and certainly respect your opinions and appreciate the openness. Keep up the great videos and best of luck to both of you!

[@wealthadventures]

Much appreciated! Thanks.

[@dondinero13]

As someone who is planning on early retirement, I love listening to these guys Awesome interview. Thank you guys

[@wealthadventures]

Thanks!

[@buzzz623]

Armchair Income is my guy!

[@wealthadventures]

He has some fans!

[@Steverino70]

Dave, great video. I have been following both of you for some time now. I also follow income architect. The 3 of you really cover all the areas I want covered. Keep up the good work.

[@wealthadventures]

Awesome, thank you!

[@YIWOTY]

Two of my favorite financial content creators!

[@wealthadventures]

Thanks!

[@MrSimonious]

Yay. Dave and Army, my favorite pair!

[@wealthadventures]

Nice to hear! Thanks.

[@finiteloops8610]

Helpful, with a nice touch of humor. Thank you.

[@wealthadventures]

Thanks!

[@ROCO-n5r]

Great job! Thanks a lot🙂

[@spain77777]

Great interview, both of you are great help with income journey

[@wealthadventures]

Thanks!

[@FI-Beauce]

Thanks to you both.

[@wealthadventures]

Thank you!

[@finwest]

Great interview! Yes! "Geographic Arbitrage" is the way to go. I also moved to Thailand for the same reasons he gave, with a lower cost of living being key. This allowed me to retire a bit early too, and a huge advantage that wasn't discussed was staying single with no kids! Dave, you started by saying "Growth investing OR Income investing"; I say, why is it "or" and not "and"? I think you can and should have both. As I do, I continually boost the income portion of my portfolio by reinvesting dividends, but I also trade options daily for growth. How to know when to retire (I heard this somewhere and I share it): you can achieve retirement when the lifestyle you enjoy while working can be maintained when you're not working. If you usually travel business class while employed, then you should be able to do the same in retirement. On the other hand, if you normally travel economy, don't expect a jump to first class. The investments Professor Armchair has reviewed on his channel has really helped me accelerate my income. I used to think 3-4% was a good yield; now I aim for his 8-10% and it's real!

[@wealthadventures]

Nice! Thanks for sharing. I'm still growth mainly. The income investing for me is a fun process.

[@michaelabrigo351]

Straight forward honesty 👍👍

[@Bullseye120]

Dave, great vdeo as always. The great thing about an income dividend investment strategy is that you can have both growth and income. I personally take a portion of my dividends and reinvest them in growth equity ETFs. One feeds the other so to speak. If I need extra income in any particular month, then I just buy less of the growth category investments for that month.

[@wealthadventures]

I like the income idea but still want to focus on growth. But I'm also not retired yet!

[@Bullseye120]

@@wealthadventures Understand. I am retired and I still am buying growth equities with excess dividends every other month or so. Before I retired I created a sample budget so that I could figure how to still get a psuedo paycheck every month. Dividend investing help made goal possible, and I am somewhat fearful of sequence of return risk if I would have used the bucket strategy instead. Good Luck.

[@jpboxcar1633]

I love closed-end-funds for dividends

[@wealthadventures]

Armchair does as well. I'm not a big fan of CEFs myself.

[@kaosimagery]

I enjoy the content that both of you guys produce and it's especially nice to learn a little more about you guys personally.

[@wealthadventures]

Thank you!

[@bluecollarbullionballer4269]

Big fan of Armchair.

[@wealthadventures]

Hey! Me too.

[@TonyPalmisano-k3i]

Thanks, for this. I've watched a number of AI's videos, and picked up some details along the way, but this gave me a much clearer picture of his background. I was laid off back in April and decided I didn't want to try to find another job. I'm fairly certain my portfolio isn't as large as his, and I'm not engaging in geo-arbitrage, so I'm shooting for a higher yield than him. However, I'm re-investing some of my income in the more conservative funds, so I'm working on lowering my desired yield.

[@wealthadventures]

AI spells it out and shares it all. I like doing videos like this to show different ways to approach investing. He is all income and he is happy with his results.

[@kevinbuckley4231]

Love both of you guys. I suspect both your channels will double in subs every year going forward. I know you're not making bank on the channel, please keep doing it to educate!

[@wealthadventures]

Thanks!

[@raywagner8075]

My top 2 Folks I check in with when it comes to investing. I do both Options and Income you don't have to go all in on one or the other.

[@wealthadventures]

I agree. I continue with options and that income sweeps into growth and income long term holds.

[@colombianexpat184]

Great video!

[@wealthadventures]

Thanks!

[@stevehalford2559]

I'm big fans of both of you. Such great ideas and analyses.

[@wealthadventures]

Thanks Steve!

[@citizenoftheyearCC]

Good Interview - get out there and travel more it is very rewarding!

[@wealthadventures]

Yes sir! I'm certainly not opposed.

[@mikesgarage394]

I follow both channels and both philosophies. My main accts. are mostly growth and my retirement accts are mostly income - feeding growth funds for now I am retired but my goal is to at least double and convert all retirement accounts to Roth in the next 5 years.

[@JulioMoscoso39]

Armchair become my inspiration, I have plans to move to Thailand with my wife and live off my dividend and options trading. Hopefully within the next few years.

[@wealthadventures]

Interesting! The geoarbitrage FIRE movement is growing.

[@shant545]

I have been following his strategy for a long time; I even opened an additional account to invest in high-yield funds. But what confuses me is that all these strategies have not undergone real tests in the form of long bear markets.

[@wealthadventures]

Yes. Many of these products are new and need tested. I did the same thing and opened another account just to hold some of these.

[@Mr.T98765]

Happy to buy you a beverage of your choice while you're in Vegas if you have some free time. WA and ACI are my #1 and #2 go to channels for income in retirement. I have almost a 50/50 mix of income and growth. Best of both worlds.

[@wealthadventures]

Nice! I will be in a crowd of people attending the ESOP convention... or at a blackjack table.

[@JohnTaylor-zq5zv]

Dave, A question for you, a potential complementary strategy I wanted to get your thoughts on: A successful hybrid approach for the audience who does trade options. If you took a large covered call ETF from JPM, GS or other that had Optionality available, you could hedge the position by writing Collars on the ETF. Now you are receiving the monthly income and protecting the downside by writing Collars. Have you any experience trying this? Obviously, this would only work with large CC ETF's that you can trade options on. Most of the KZbin videos don't and won't look at this, but it could be a choice for folks going into or are currently in retirement.

[@wealthadventures]

I will try and incorporate it in a video. It is a fun thought but difficult to make work to a real advantage. Even the largest CC ETFs still have low option volume.

[@christopherlehmann6004]

yes! next time pls go more onto Mindest! what does it take the step and what to overcome?!

[@wealthadventures]

Will do!

[@cwilson6880]

The look on his face on the last (job) question 😂😂

[@wealthadventures]

Shock and awe.

[@PatrickHoodDaniel]

Number of Subscribers definitely doesn't move the needle unless you are in the millions of subscribers. Getting sponsors is the key, but with 100k and no sponsors, I bring in $300 monthly.

[@wealthadventures]

Thanks for sharing. That is interesting to hear. I would think you could find some sponsors at that level.

[@PatrickHoodDaniel]

@@wealthadventures The best metric is current views per month and the number of subscribers don't typically determine views. Subscribers is a great source of pride and accomplishment. In my case, these subscribers came over 17 years of being on KZbin. KZbin becomes a real full time job. With that said, it does allow me to get new customers, so there's that.

[@wealthadventures]

@@PatrickHoodDaniel 100,000 of anything is impressive! Well most anything. Enter engineering humor here:

[@PatrickHoodDaniel]

@@wealthadventures Haha! Thanks!

[@hechtic]

Another great video, Dave. Always good to see two of my favorite investing youtubers chat. You covered a lot of ground and it was quite illuminating and informative. I do wish, however, that you had the chance to ask Mr Armchair about taxes. As a relatively new and youngish retiree who hasn’t faced a tax bill that is almost entirely based qualified and non-qualified dividends yet, but will in 2025, it’s one of my greatest sources of stress and I’d love to some guidance from you gentleman about how to manage it properly. For example, should I consider tax advantaged ETFs that return income as ROC and weight my portfolio appropriately? Should I save all my dividend income from the first quarter and use that to pay the tax bill? Is these some other method that is more ideal? I’m not even sure what else to ask and eventually I hope to have a reliable tax pro to help me out with these and other questions that I haven’t considered, but I still looking for the right person. Anyway, thanks again. Appreciate all that you do.

[@wealthadventures]

It would be best to talk to a tax pro. I'm not sure about what Armchair faces with taxes considering where he lives. For me, I pay quarterly estimates and track where I'm at since I trade lots of options. Looking for tax efficient products that use index options, ROC, and have qualified dividends certainly helps. Fidelity makes it pretty easy to see how distributions are being categorized through the year so you may find what you need summarized with your brokerage.

[@hechtic]

​@@wealthadventures Thanks for the speedy reply. I suspect his tax situation is more complex than mine given that he was (and maybe still is) a resident in the US and has to pay taxes both here and in Thailand, but honestly, I have no idea. I certainly will speak with tax pro once I find one I'm comfortable with. It's not as easy to find someone as you'd think. When I ask CPAs and other tax professionals if they have experience in exactly my situation or something similar1, invariably they do not, which always surprises me. I'm not really interested in paying a CPA to learn how to best assist me. I want someone who know what they are doing. I do have a Fidelity account and I like it, but it's just holding assets from a former employers stock purchase plan and my woefully underfunded HSA. Most of the income generating accounts are with Schwab. There is a page for "tax-efficient investing". I'll take a look and see if it helps. thanks again!

[@walterkok4799]

A channel of the two of you together would be great indeed. Why not start by creating simple explanations and actioning them for some of the products that gets featured on both of your channels. Like a DIY version of HYBI for example. Combination of investing for retirement AND playing around with option strategies to keep you both busy ;-). And spread your knowledge. Monthly comparison of the results versus the ETF, can be fun and a great learning experience. Have to do it myself anyways as am living in Europe and regulators do not allow us to buy these ETFs (no documentation in local languages)

[@wealthadventures]

Interesting idea. Maybe I will bug him about it!

[@horsegal3358]

Wonder where in SE Asia?

[@Antandthegrasshopper]

Vietnam.

[@finwest]

Thailand

[@UrbanArtCentral]

My question on income investing is i feel the 30% WHT greatly diminishes the actual return. As a non-US investor, is there anything i can do to avoid this legally?

[@wealthadventures]

Hi. Adjusting for your tax situation with income investing is vital. Unfortunately, I'm not familiar with what your tax situation since you are outside the US. Once I get down to filing my taxes, I do look at which income products are most tax friendly for me.

[@fabiGBOtown]

Very informative video. Wonder how much it requires to live off that portfolio

[@wealthadventures]

Good question. We did not touch on his annual expenses for where he lives but sounds substantially lower versus the USA.

[@mikeconnell698]

Hey guys. Love both your channels. Here's one. How about GIAX

[@wealthadventures]

Looks like another new one. I will check it out!

[@mikeconnell698]

@@wealthadventures I was looking for something besides YMAX as far as a general purpose hi yielding fund. I'm keeping a small position in it for now and keeping an eye on it.

[@FI-Beauce]

Next time: Armchair income,Wealth adventure and Steven Bavaria for an all time youtube moment 😂

[@wealthadventures]

I'll have to work on that!

[@chriscastello3922]

You guys s are both great at what you do. I wish someone would ask Armchair about taxes..ie is he a US taxpayer (would be if he still has his green card). US tax code is very penal to income investing that he espouses.. ie 40.8% for federal alone if you are in the top tax bracket (vs 23.8% max for LT capital gains and qualified dividends)..

[@wealthadventures]

Thanks! I'm not sure on his situation as far as taxes. Not something that we covered.

[@derfel6969]

@Armchairincome mentioned a series about his travel but I cannot see any of those videos on his channel, is it on a different channel?

[@wealthadventures]

Not sure. He has never mentioned another channel.

[@Im.so.fly056]

The whole time I’m thinking what behind the curtain.

[@zootzoot7466]

How does a sustained correction hurt covered call funds income long term?

[@wealthadventures]

Option premiums are driven by volatility. An ETF like SPY that is at 500/share might generate a 15% annualized premium under normal conditions for a 30 day ATM call. If it climbs to 1000/share, you will still get around 15% (twice as much) assuming volatility has not changed. Same would happen with a decline. Half the price, half the premium. Make sense?

[@zootzoot7466]

@@wealthadventures so you're saying the price of the stock/etfs helps drive the covered call premiums? and the pay outs

[@mikek3124]

Can you or Armchair interview Neos again?

[@johnbeeck2540]

Armchair posted one today in fact!

[@mikek3124]

@ thank you

[@wealthadventures]

Yes. Armchair released one today and I think he will be looking at their new Bitcoin product soon as well. Happy answer any questions if you have something specific.

[@joaom.4944]

How about when you're old and cannot manage all of these ETFs and bank accounts??}?

[@OneNvrKnoz]

Wait, can you explain what you meant by the CC index losing half its distribution in a recession? I don’t understand why that would happen

[@wealthadventures]

Option premiums are driven by volatility. An ETF like SPY that is at 500/share might generate a 15% annualized premium under normal conditions for a 30 day ATM call. If it climbs to 1000/share, you will still get around 15% (twice as much) assuming volatility has not changed. Same would happen with a decline. Half the price, half the premium. Make sense?

[@OneNvrKnoz]

@@wealthadventures I thought it did, but then I went back through the data of JEPI and I don't see a correlation between the stock's gains/loses and its distribution. I tried looking at it's highest/lowest stock price compared to distribution and identifying equal distributions and checking the stock price. The stock price and the distribution don't seem to have a direct correlation.

[@wealthadventures]

@@OneNvrKnoz We have not seen a market in a long time that would replicate that example. It would be hard to see an impact since JEPI has been around. We have seen a decline in the distributions from JEPI while the VIX has been subdued over the last year. Think about options as a bet on the expected move. If a stock is at 100, how much do you expect it to move based on volatility? If the same stock went to 1000, would you expect the move to be the same or relative to the price?

[@michaeldbouck]

The problem I see with "income investing" (Armchair's portfolio, Bavaria's income factory, et al.) is geographic/sector concentration, lack of downside protection, and lack of growth assets. It works great during up market times but in a deep/prolonged down market these portfolios will likely suffer.

[@wealthadventures]

Perhaps. It can be a portion of a portfolio as well which is likely where I would end up.

[@michaeldbouck]

@@wealthadventures Sure. But more balanced - 1/3 high income, 1/3 growth, 1/3 defense. "Income investing" portfolios are 100% all-in on income which is a problem IMHO.

[@jimfioritto4134]

Someone cover TYLG from global x please. It does covered calls on half of its tech holdings. Crazy price appreciation for a 10% yield.

[@wealthadventures]

I will check it out. Thanks!

[@arh824]

Which country are you talking about?

[@wealthadventures]

He just says Southeast Asia.

[@astraanne4603]

I started income investing a couple months ago, although I am receiving dividends, my principal shrinks faster than the dividends coming in. Is this normal at beginning ?

[@wealthadventures]

It depends on the products that you are buying. Income investing is popular these days but there are many products that I would steer clear from. It also really depends on what you are trying to achieve with your portfolio.

[@charmcrypto824]

Such a good chat on the mindset shift needed for early retirement! The income investing approach makes so much sense, especially for stability. I've been trying to diversify too - just started using My Digital Money to add a little crypto in my IRA for some long-term growth. Anyone else looking into crypto as part of a retirement strategy?

[@finwest]

Way too risky for my retirement portfolio; too volatile just on unexpected news and frankly I have no clue where my money is! I’ll stay far far away.

[@walterkok4799]

yes for me it is a good approach. It is all about proper sizing that position so that the crypto (and its volatility and risk) does not become your portfolio. Set proper stops and start small as a % of your portfolio. When it takes off (like now with btc), just peel off some of those crypto holdings. This way you assure that the risks stays within your tolerance for the position and you can reinvest that cash

[@sactojlm]

Where in southeast Asia city/country) does he live? Is he in a witness protection program?

[@wealthadventures]

Ha! Don't think so. I think he is just a private person.

[@fabiGBOtown]

Where are you? Money is on Bali ot Malaysia. Would love to know.

[@wealthadventures]

Ohio! Oh, him...

[@Mr.T98765]

He's based in Thailand, but travels SE Asia frequently.

[@MrSimonious]

Hmmm. Yieldmax…NAV erosion, high fees…what’s to like?

[@wealthadventures]

I agree. Not a fan and hard to find a use case from what I have seen.

[@gmv0553]

NVDY! No such thing as nav erosion at the moment! Prepared to sell when it does!

[@torchy187]

So it’s easier to retire early in a developing country and without a family. Got it.

[@wealthadventures]

Everyone has a different path to follow. He found one that works for him. I also find it interesting since it is so different compared to my career and family.

[@lostboi3974]

Absolutely 💯 true. Im in Thailand right now and it's better to live here than America

[@finwest]

Yes! I retired a bit earlier than most and I moved to Thailand too; love it for all the same reasons. Best part: I'm single with no kids!!! Highly recommended.

[@garythomas3150]

You should call this mash up “Armchair Adventures.”

[@wealthadventures]

Spinoff!

[@godcountry7932]

I enjoy both of your channels and content. October 2024 was a new high for my portfolio. $1746 in interest and dividends. Really want to cancel the JOB!!!

[@wealthadventures]

Looks like you are on your way. Keep it going!

[@beanbean321]

PBDC has a 13.94% expense ratio "(OUCH)" . It should be made clear that these ETF's are not for beginners . Get a financial Consultant .

[@godcountry7932]

BIZD for me, most of PBDC is in there plus a few more. Great diversification.

[@wealthadventures]

BDCs can have high fees. You won't see those if you look up MAIN or ARCC unless you dig. Since PBDC is an ETF it gets published under the expense ratio. Vast majority will be acquired fund fees for reporting while a small portion of that will be the actual management fees.

[@finwest]

Negative; from the company website: The expense ratio for the Putnam BDC Income ETF (PBDC) is currently 6.79%. This high ratio includes management fees of 0.75%.

[@beanbean321]

@finwest actually I got it from the Fidelity website

[@beanbean321]

@@finwest // I got 13.94 from the FIDELITY website .

[@catcat7835]

It looks like its just about time to fire up fund of CC funds...

[@toddshiflett4407]

Dave...Loved the interview!! Also, sent you Instagram which sent before I finished. Reach out and I will conclude as it will not let me provide my closing statement until you respond!

[@wealthadventures]

Just did!