Richard Adams took an uncharted route through several industries to prepare himself to take on the massive issue of the $1.6 trillion national student debt crisis. Richard spent five years in the commercial real estate industry, learning and cultivating knowledge on REIT investments and capitalization rates, and helping then-startup LoopNet complete an IPO. Richard then moved on to financial services and structured settlements, where he met future Pay Your Tuition Funds (PYT) Founder Stacie. Richard spent five years as Co-founder/Director of Operations of PYT and two years as CEO. Now, Richard is co-founding MilleniCare to help college parents access affordable child care in collaboration with co-founder Lakeisha Henry. Richard has a competitive personality, attributed to his athletic background as an All-American track athlete.