Ep.237 – Paul Fenner – The Scoreboard We Never Chose Podcast May 7 Written By Paul Fenner <div class="video-caption-wrapper"> <div class="video-caption"> <p class="" data-rte-preserve-empty="true" style="white-space:pre-wrap;"></p> </div> </div> </div> <style class="transform-overrides-vars"> </style> </div></div><div class="sqs-block website-component-block sqs-block-website-component sqs-block-html html-block" data-block-css="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/592e3595-e35d-435b-ac72-38a7e07714cf_791/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/592e3595-e35d-435b-ac72-38a7e07714cf_791/website.components.html.visitor.js"]" data-block-type="1337" data-definition-name="website.components.html" data-sqsp-block="text" data-website-component-id="b70b591181fb05dc5379" id="block-b70b591181fb05dc5379"><div class="sqs-block-content"><div class="sqs-text-block-container"> <div class="sqs-html-content" data-sqsp-text-block-content><p class="" style="white-space:pre-wrap;" data-rte-preserve-empty="true">Why do so many people feel financially behind — even when the numbers say they're not?</p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true">Often, the problem isn't the plan. It's the expectation. Charlie Munger, near the end of his life, gave a one-sentence answer that cuts straight to the point: reasonable expectations.</p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true">In this conversation, I look at the gap between the life we imagined and the life we're living, and what happens when we never examine where our financial expectations came from in the first place, which may be one of the most underrated financial insights there is.</p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true">I share the story of a family that had done almost everything right but couldn't shake the feeling of being behind because the scoreboard they were measuring against had been set decades earlier.</p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true">The action step this week is small but not easy: pick one area where you feel financially behind and ask where that expectation actually came from. Not to fix it. Just to notice it. Because you can't rewrite a story you haven't read yet.Why do so many people feel financially behind — even when the numbers say they're not?</p><h3 style="white-space:pre-wrap;" data-rte-preserve-empty="true"><strong>ADDITIONAL RESOURCES YOU MAY LIKE</strong></h3></div> <style id="container-styles">#block-b70b591181fb05dc5379 { --stroke-style: none;--stroke-thickness: 6px; } #block-b70b591181fb05dc5379 .sqs-html-content { --tweak-text-block-padding: 6% 6% 6% 6%; --tweak-text-block-padding: initial; } #block-b70b591181fb05dc5379 { mix-blend-mode: var(--tweak-text-block-blend ); border-radius: var(--tweak-text-block-radius); } #block-b70b591181fb05dc5379 { --tweak-text-block-radius: 0px 0px 0px 0px; } #block-b70b591181fb05dc5379 { } </style> <style id="override-container-styles"> @media screen and (max-width: 767px) { #block-b70b591181fb05dc5379 { } } @media screen and (max-width: 767px) { #block-b70b591181fb05dc5379 .sqs-html-content { } } @media screen and (max-width: 767px) { }</style> <style class="transform-overrides-vars"> </style> </div> </div></div><div class="sqs-block website-component-block sqs-block-website-component sqs-block-summary-v2 summary-block summary-v2-block" data-block-css="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.summary/df89048a-559f-455e-9032-87bcbae595b2_509/website.components.summary.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.summary/df89048a-559f-455e-9032-87bcbae595b2_509/8018.js","https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.summary/df89048a-559f-455e-9032-87bcbae595b2_509/embed-video-player.js","https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.summary/df89048a-559f-455e-9032-87bcbae595b2_509/gallery-layout-autocolumns.js","https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.summary/df89048a-559f-455e-9032-87bcbae595b2_509/gallery-layout-autogrid.js","https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.summary/df89048a-559f-455e-9032-87bcbae595b2_509/gallery-layout-carousel.js","https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.summary/df89048a-559f-455e-9032-87bcbae595b2_509/gallery-layout-grid.js","https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.summary/df89048a-559f-455e-9032-87bcbae595b2_509/gallery-layout-list.js","https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.summary/df89048a-559f-455e-9032-87bcbae595b2_509/gallery-layout-slideshow.js","https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.summary/df89048a-559f-455e-9032-87bcbae595b2_509/gallery-layout-stacked.js","https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.summary/df89048a-559f-455e-9032-87bcbae595b2_509/gallery-layout-strip.js","https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.summary/df89048a-559f-455e-9032-87bcbae595b2_509/gallery-manager.js","https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.summary/df89048a-559f-455e-9032-87bcbae595b2_509/website.components.summary.visitor.js"]" data-block-type="1337" data-definition-name="website.components.summary" data-sqsp-block="summary" data-website-component-id="d9a43b3d178ed18d407e" id="block-d9a43b3d178ed18d407e"><div class="sqs-block-content"> <div class=" summary-block-wrapper summary-block-collection-type-blog-basic-grid summary-block-setting-text-size-medium summary-block-setting-text-align-left summary-block-setting-design-list summary-block-setting-design-list-thumbnail-left summary-block-setting-metadata-position-below-content summary-block-setting-primary-metadata-date summary-block-setting-secondary-metadata-none summary-block-setting-show-thumbnail summary-block-setting-show-title summary-block-setting-show-price summary-block-setting-show-excerpt sqs-gallery-design-list " data-design=list data-image-aspect-ratio=1.5 data-slides-per-row=3 data-mixed-content=true data-column-width=270 data-gutter="60" data-list-image-size="30" data-active-alignment="" data-square-thumbs="" data-auto-crop="true" > <div class="summary-item-list-container sqs-gallery-container"> <header class="summary-block-header"> <div class="summary-heading" data-animation-role="content"> <span class="summary-header-text">Featured</span> </div> <div class="summary-carousel-pager sqs-gallery-controls" data-animation-role="content"> <span class="summary-carousel-pager-prev previous" tabindex="0" role="button" aria-label="Previous" ></span> <span class="summary-carousel-pager-next next" tabindex="0" role="button" aria-label="Next" ></span> </div> </header> <div class="summary-item-list sqs-gallery"> <div class=" summary-item positioned summary-item-record-type-text sqs-gallery-design-list-slide summary-item-has-thumbnail summary-item-has-excerpt summary-item-has-author " > <div class="summary-thumbnail-outer-container"> <a href="/blog/you-have-a-coordination-problem-not-an-investment-problem" class=" summary-thumbnail-container sqs-gallery-image-container " data-title="You Have a Coordination Problem, Not an Investment Problem" data-description="" aria-label="You Have a Coordination Problem, Not an Investment Problem" > <div class="summary-thumbnail img-wrapper" data-animation-role="image"> <!-- Main Image --> <img data-src="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1784570065475-AG5CCVC66T5I92QVVW5F/Article+Photo.png" data-image="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1784570065475-AG5CCVC66T5I92QVVW5F/Article+Photo.png" data-image-dimensions="1408x768" data-image-focal-point="0.5,0.5" alt="You Have a Coordination Problem, Not an Investment Problem" data-load="false" class="summary-thumbnail-image" elementtiming="summary-thumbnail-image-list" /> </div> </a> <!-- Products: Quick View --> </div> <div class="summary-content sqs-gallery-meta-container" data-animation-role="content"> <div class="summary-metadata-container summary-metadata-container--above-title"> <div class="summary-metadata summary-metadata--primary"> <!-- Timestamp --> <time class="summary-metadata-item summary-metadata-item--date" datetime="2026-07-20">July 20, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> <div class="summary-title"> <a href="/blog/you-have-a-coordination-problem-not-an-investment-problem" class="summary-title-link"> You Have a Coordination Problem, Not an Investment Problem </a> </div> <div class="summary-metadata-container summary-metadata-container--below-title"> <div class="summary-metadata summary-metadata--primary"> <!-- Timestamp --> <time class="summary-metadata-item summary-metadata-item--date" datetime="2026-07-20">July 20, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> <div class=" summary-excerpt summary-excerpt-only "><p style="white-space:pre-wrap;" data-rte-preserve-empty="true">Most senior professionals are running their financial life on settings configured for a version of themselves that hasn't existed in a decade. The defaults haven't gotten worse. The person living them has changed.</p></div> <div class="summary-metadata-container summary-metadata-container--below-content"> <div class="summary-metadata summary-metadata--primary"> <!-- Timestamp --> <time class="summary-metadata-item summary-metadata-item--date" datetime="2026-07-20">July 20, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> </div> </div> <div class=" summary-item positioned summary-item-record-type-text sqs-gallery-design-list-slide summary-item-has-thumbnail summary-item-has-excerpt summary-item-has-author " > <div class="summary-thumbnail-outer-container"> <a href="/blog/the-settings-you-configured-for-a-person-who-doesnt-exist-anymore" class=" summary-thumbnail-container sqs-gallery-image-container " data-title="The Settings You Configured for a Person Who Doesn't Exist Anymore" data-description="" aria-label="The Settings You Configured for a Person Who Doesn't Exist Anymore" > <div class="summary-thumbnail img-wrapper" data-animation-role="image"> <!-- Main Image --> <img data-src="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1783975477284-RS11LQ98UO4ZQWJNX98A/Article+Photo.png" data-image="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1783975477284-RS11LQ98UO4ZQWJNX98A/Article+Photo.png" data-image-dimensions="1408x768" data-image-focal-point="0.5,0.5" alt="The Settings You Configured for a Person Who Doesn't Exist Anymore" data-load="false" class="summary-thumbnail-image" elementtiming="summary-thumbnail-image-list" /> </div> </a> <!-- Products: Quick View --> </div> <div class="summary-content sqs-gallery-meta-container" data-animation-role="content"> <div class="summary-metadata-container summary-metadata-container--above-title"> <div class="summary-metadata summary-metadata--primary"> <!-- Timestamp --> <time class="summary-metadata-item summary-metadata-item--date" datetime="2026-07-13">July 13, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> <div class="summary-title"> <a href="/blog/the-settings-you-configured-for-a-person-who-doesnt-exist-anymore" class="summary-title-link"> The Settings You Configured for a Person Who Doesn't Exist Anymore </a> </div> <div class="summary-metadata-container summary-metadata-container--below-title"> <div class="summary-metadata summary-metadata--primary"> <!-- Timestamp --> <time class="summary-metadata-item summary-metadata-item--date" datetime="2026-07-13">July 13, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> <div class=" summary-excerpt summary-excerpt-only "><p style="white-space:pre-wrap;" data-rte-preserve-empty="true">Most senior professionals are running their financial life on settings configured for a version of themselves that hasn't existed in a decade. The defaults haven't gotten worse. The person living them has changed.</p></div> <div class="summary-metadata-container summary-metadata-container--below-content"> <div class="summary-metadata summary-metadata--primary"> <!-- Timestamp --> <time class="summary-metadata-item summary-metadata-item--date" datetime="2026-07-13">July 13, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> </div> </div> <div class=" summary-item positioned summary-item-record-type-text sqs-gallery-design-list-slide summary-item-has-thumbnail summary-item-has-excerpt summary-item-has-author " > <div class="summary-thumbnail-outer-container"> <a href="/blog/what-happens-when-the-gap-is-zero" class=" summary-thumbnail-container sqs-gallery-image-container " data-title="What Happens When the Gap Is Zero" data-description="" aria-label="What Happens When the Gap Is Zero" > <div class="summary-thumbnail img-wrapper" data-animation-role="image"> <!-- Main Image --> <img data-src="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1783346066002-AS16CY6F1T9ZZPGICN21/Article+Photo.png" data-image="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1783346066002-AS16CY6F1T9ZZPGICN21/Article+Photo.png" data-image-dimensions="1408x768" data-image-focal-point="0.5,0.5" alt="What Happens When the Gap Is Zero" data-load="false" class="summary-thumbnail-image" elementtiming="summary-thumbnail-image-list" /> </div> </a> <!-- Products: Quick View --> </div> <div class="summary-content sqs-gallery-meta-container" data-animation-role="content"> <div class="summary-metadata-container summary-metadata-container--above-title"> <div class="summary-metadata summary-metadata--primary"> <!-- Timestamp --> <time class="summary-metadata-item summary-metadata-item--date" datetime="2026-07-06">July 6, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> <div class="summary-title"> <a href="/blog/what-happens-when-the-gap-is-zero" class="summary-title-link"> What Happens When the Gap Is Zero </a> </div> <div class="summary-metadata-container summary-metadata-container--below-title"> <div class="summary-metadata summary-metadata--primary"> <!-- Timestamp --> <time class="summary-metadata-item summary-metadata-item--date" datetime="2026-07-06">July 6, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> <div class=" summary-excerpt summary-excerpt-only "><p style="white-space:pre-wrap;" data-rte-preserve-empty="true">What if your paycheck stopped tomorrow? The real financial failure isn’t a bad investment. It’s having no buffer between what life costs and what you have.</p></div> <div class="summary-metadata-container summary-metadata-container--below-content"> <div class="summary-metadata summary-metadata--primary"> <!-- Timestamp --> <time class="summary-metadata-item summary-metadata-item--date" datetime="2026-07-06">July 6, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> </div> </div> </div> </div> </div> <style>.fe-block-d9a43b3d178ed18d407e {mix-blend-mode: ; }</style> </div></div></div><div class="col sqs-col-5 span-5"><div class="sqs-block website-component-block sqs-block-website-component sqs-block-html html-block" data-block-css="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/592e3595-e35d-435b-ac72-38a7e07714cf_791/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/592e3595-e35d-435b-ac72-38a7e07714cf_791/website.components.html.visitor.js"]" data-block-type="1337" data-definition-name="website.components.html" data-sqsp-block="text" data-website-component-id="10d4e0c26a6bb8c9e7f0" id="block-10d4e0c26a6bb8c9e7f0"><div class="sqs-block-content"><div class="sqs-text-block-container"> <div class="sqs-html-content" data-sqsp-text-block-content><h4 style="white-space:pre-wrap;" data-rte-preserve-empty="true">1 Big Idea to Think About</h4><ul data-rte-list="default"><li><p class="" style="white-space:pre-wrap;" data-rte-preserve-empty="true">The financial anxiety most families carry isn't usually about their actual situation. It's about the gap between where they are and where they assumed they'd be. Expectations built years ago that were never examined or never really chosen.</p></li></ul><h4 style="white-space:pre-wrap;" data-rte-preserve-empty="true">1 Way You Can Apply This</h4><ul data-rte-list="default"><li><p class="" style="white-space:pre-wrap;" data-rte-preserve-empty="true">Pick one area of your financial life where you feel behind or "not enough." Ask yourself where that expectation actually came from. You don't need to fix it. Just trace it back. Awareness is the first adjustment.</p></li></ul><h4 style="white-space:pre-wrap;" data-rte-preserve-empty="true">1 Question to Ask</h4><ul data-rte-list="default"><li><p class="" style="white-space:pre-wrap;" data-rte-preserve-empty="true">Is the scoreboard I'm measuring my financial life against one I actually chose, or one that just arrived from someone or somewhere else?</p></li></ul><h4 style="white-space:pre-wrap;" data-rte-preserve-empty="true"><strong>Resources Featured in This Episode:</strong></h4><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true"><a href="https://tammacapital.com/optimize-your-spending-to-increase-your-happiness/">Optimize Your Spending to Increase Your Happiness</a></p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true"><a href="https://www.tammacapital.com/blog/wealth-planning-is-for-everyone/">Wealth Planning is For Everyone</a></p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true"><a href="https://tammacapital.com/10/">Experiencing Career & Life Transitions from Multiple Angles</a> </p></div> <style id="container-styles">#block-10d4e0c26a6bb8c9e7f0 { --stroke-style: none;--stroke-thickness: 6px; } #block-10d4e0c26a6bb8c9e7f0 .sqs-html-content { --tweak-text-block-padding: 6% 6% 6% 6%; --tweak-text-block-padding: initial; } #block-10d4e0c26a6bb8c9e7f0 { mix-blend-mode: var(--tweak-text-block-blend ); border-radius: var(--tweak-text-block-radius); } #block-10d4e0c26a6bb8c9e7f0 { --tweak-text-block-radius: 0px 0px 0px 0px; } #block-10d4e0c26a6bb8c9e7f0 { } </style> <style id="override-container-styles"> @media screen and (max-width: 767px) { #block-10d4e0c26a6bb8c9e7f0 { } } @media screen and (max-width: 767px) { #block-10d4e0c26a6bb8c9e7f0 .sqs-html-content { } } @media screen and (max-width: 767px) { }</style> <style class="transform-overrides-vars"> </style> </div> </div></div></div></div></div></div></div></div> <div class="blog-item-author-profile-wrapper" data-content-field="author"> <a href="/podcast?author=6568d8a4109e221f9097c768"> <span class="author-name">Paul Fenner</span> </a> </div> </div> <section class="blog-item-comments"> <div class="blog-item-comments-toggle-wrapper"> <div id="blogItemCommentsContent" class="blog-item-comments-content" data-content-field="comments"> </div> </div> </section> </div> </article> </div> </div> </div> </section> </article> <section id="itemPagination" class="item-pagination item-pagination--prev-next" data-collection-type="blog-side-by-side" > <a href="/podcast/ep237-paul-fenner-the-financial-story-you-keep-telling-yourself" class="item-pagination-link item-pagination-link--prev"> <div class="item-pagination-icon icon icon--stroke"> <svg class="caret-left-icon--small" viewBox="0 0 9 16"> <polyline fill="none" stroke-miterlimit="10" points="7.3,14.7 2.5,8 7.3,1.2"/> </svg> </div> <span class="pagination-title-wrapper"> <div class="visually-hidden">Previous</div> <div class="item-pagination-prev-next">Previous</div> <h2 class="item-pagination-title">Ep.238 – Paul Fenner – The Financial Story You Keep Telling Yourself</h2> </span> </a> <a href="/podcast/ep236-paul-fenner-the-story-that-spent-your-money" class="item-pagination-link item-pagination-link--next"> <div class="pagination-title-wrapper"> <div class="visually-hidden">Next</div> <div class="item-pagination-prev-next">Next</div> <h2 class="item-pagination-title">Ep.236 – Paul Fenner – The Story That Spent Your Money</h2> </div> <div class="item-pagination-icon icon icon--stroke"> <svg class="caret-right-icon--small" viewBox="0 0 9 16"> <polyline fill="none" stroke-miterlimit="10" points="1.6,1.2 6.5,7.9 1.6,14.7"/> </svg> </div> </a> </section> </main> <footer class="sections" id="footer-sections" data-footer-sections> <section data-test="page-section" data-section-theme="dark" class='page-section full-bleed-section layout-engine-section background-width--full-bleed section-height--custom content-width--wide horizontal-alignment--center vertical-alignment--middle dark' data-section-id="654fc246aba94f2bc8f14169" data-controller="SectionWrapperController" data-current-styles="{ "imageOverlayOpacity": 0.15, "backgroundWidth": "background-width--full-bleed", "sectionHeight": "section-height--custom", "customSectionHeight": 10, "horizontalAlignment": "horizontal-alignment--center", "verticalAlignment": "vertical-alignment--middle", "contentWidth": "content-width--wide", "customContentWidth": 50, "sectionTheme": "dark", "sectionAnimation": "none", "backgroundMode": "image" }" data-current-context="{ "video": { "playbackSpeed": 0.5, "filter": 1, "filterStrength": 0, "zoom": 0, "videoSourceProvider": "none" }, "backgroundImageId": null, "backgroundMediaEffect": { "type": "none" }, "divider": { "enabled": false }, "typeName": "blog-side-by-side" }" data-animation="none" data-fluid-engine-section style="min-height: 10vh;" data-sqsp-section="fluid-engine" > <div class="section-border" > <div class="section-background"> </div> </div> <div class='content-wrapper' style=' padding-top: calc(10vmax / 10); padding-bottom: calc(10vmax / 10); ' > <div class="content" > <div data-fluid-engine="true"><style> .fe-654fc246aba94f2bc8f14168 { --grid-gutter: calc(var(--sqs-mobile-site-gutter, 6vw) - 11.0px); --cell-max-width: calc( ( var(--sqs-site-max-width, 1500px) - (11.0px * (8 - 1)) ) / 8 ); display: grid; position: relative; grid-area: 1/1/-1/-1; grid-template-rows: repeat(14,minmax(24px, auto)); grid-template-columns: minmax(var(--grid-gutter), 1fr) repeat(8, minmax(0, var(--cell-max-width))) minmax(var(--grid-gutter), 1fr); row-gap: 11.0px; column-gap: 11.0px; overflow-x: hidden; overflow-x: clip; } @media (min-width: 768px) { .background-width--inset .fe-654fc246aba94f2bc8f14168 { --inset-padding: calc(var(--sqs-site-gutter) * 2); } .fe-654fc246aba94f2bc8f14168 { --grid-gutter: calc(var(--sqs-site-gutter, 4vw) - 11.0px); --cell-max-width: calc( ( var(--sqs-site-max-width, 1500px) - (11.0px * (24 - 1)) ) / 24 ); --inset-padding: 0vw; --row-height-scaling-factor: 0.0215; --container-width: min(var(--sqs-site-max-width, 1500px), calc(100vw - var(--sqs-site-gutter, 4vw) * 2 - var(--inset-padding) )); grid-template-rows: repeat(14,minmax(calc(var(--container-width) * var(--row-height-scaling-factor)), auto)); grid-template-columns: minmax(var(--grid-gutter), 1fr) repeat(24, minmax(0, var(--cell-max-width))) minmax(var(--grid-gutter), 1fr); } } .fe-block-yui_3_17_2_1_1699814140419_180848 { grid-area: 1/2/3/10; z-index: 4; @media (max-width: 767px) { } } .fe-block-yui_3_17_2_1_1699814140419_180848 .sqs-block { justify-content: flex-start; } .fe-block-yui_3_17_2_1_1699814140419_180848 .sqs-block-alignment-wrapper { align-items: flex-start; } @media (min-width: 768px) { .fe-block-yui_3_17_2_1_1699814140419_180848 { grid-area: 2/2/4/26; z-index: 1; } .fe-block-yui_3_17_2_1_1699814140419_180848 .sqs-block { justify-content: flex-start; } .fe-block-yui_3_17_2_1_1699814140419_180848 .sqs-block-alignment-wrapper { align-items: flex-start; } } .fe-block-d8005d71a4ad7fd2b9f1 { grid-area: 4/2/7/10; z-index: 2; @media (max-width: 767px) { } } .fe-block-d8005d71a4ad7fd2b9f1 .sqs-block { justify-content: flex-start; } .fe-block-d8005d71a4ad7fd2b9f1 .sqs-block-alignment-wrapper { align-items: flex-start; } @media (min-width: 768px) { .fe-block-d8005d71a4ad7fd2b9f1 { grid-area: 4/4/9/15; z-index: 3; } .fe-block-d8005d71a4ad7fd2b9f1 .sqs-block { justify-content: center; } .fe-block-d8005d71a4ad7fd2b9f1 .sqs-block-alignment-wrapper { align-items: center; } } .fe-block-dc7d0abe6d72615dafa0 { grid-area: 7/2/10/10; z-index: 3; @media (max-width: 767px) { } } .fe-block-dc7d0abe6d72615dafa0 .sqs-block { justify-content: flex-start; } .fe-block-dc7d0abe6d72615dafa0 .sqs-block-alignment-wrapper { align-items: flex-start; } @media (min-width: 768px) { .fe-block-dc7d0abe6d72615dafa0 { grid-area: 4/14/9/24; z-index: 4; } .fe-block-dc7d0abe6d72615dafa0 .sqs-block { justify-content: center; } .fe-block-dc7d0abe6d72615dafa0 .sqs-block-alignment-wrapper { align-items: center; } } .fe-block-yui_3_17_2_1_1702567670106_19381 { grid-area: 10/2/15/10; z-index: 7; @media (max-width: 767px) { } } .fe-block-yui_3_17_2_1_1702567670106_19381 .sqs-block { justify-content: flex-start; } .fe-block-yui_3_17_2_1_1702567670106_19381 .sqs-block-alignment-wrapper { align-items: flex-start; } @media (min-width: 768px) { .fe-block-yui_3_17_2_1_1702567670106_19381 { grid-area: 10/10/12/18; z-index: 6; } .fe-block-yui_3_17_2_1_1702567670106_19381 .sqs-block { justify-content: flex-start; } .fe-block-yui_3_17_2_1_1702567670106_19381 .sqs-block-alignment-wrapper { align-items: flex-start; } } </style><div class="fluid-engine fe-654fc246aba94f2bc8f14168"><div class="fe-block fe-block-yui_3_17_2_1_1699814140419_180848"><div class="sqs-block website-component-block sqs-block-website-component sqs-block-socialaccountlinks social-account-links-block social-account-links-v2-block" data-block-css="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.socialLinks/e4938a8d-3e15-481c-92b1-277d9a21c0ac_569/website.components.socialLinks.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.socialLinks/e4938a8d-3e15-481c-92b1-277d9a21c0ac_569/website.components.socialLinks.visitor.js"]" data-block-type="1337" data-definition-name="website.components.socialLinks" data-sqsp-block="social-links" data-website-component-id="yui_3_17_2_1_1699814140419_180848" id="block-yui_3_17_2_1_1699814140419_180848"><div class="sqs-block-content"> <div class="sqs-block-socialaccountlinks-content"> <div class="sqs-svg-icon--outer social-icon-alignment-center social-icons-color-black social-icons-size-extra-large social-icons-shape-circle social-icons-style-border"> <style> #block-yui_3_17_2_1_1699814140419_180848 { --social-icons-justify-content: center; --social-icons-dimension: 48px;--social-icons-gap: 12px; } #block-yui_3_17_2_1_1699814140419_180848 .sqs-svg-icon--wrapper { --si-border-radius: 50%;--si-scale: 1;--si-box-shadow: 0 0 0 var(--social-icons-border-thickness, 2px) inset;--si-fill-icon: var(--si-primary);--si-fill-icon-fade: var(--si-primary);--si-fill-icon-hover: var(--si-contrast);--si-fill-mask: transparent;--si-fill-mask-fade: transparent;--si-fill-mask-hover: transparent;--si-bg: transparent;--si-bg-fade: transparent;--si-bg-hover: var(--si-primary); } #block-yui_3_17_2_1_1699814140419_180848 .sqs-svg-icon--list { justify-content: var(--social-icons-justify-content, center); column-gap: var(--social-icons-gap, 12px); row-gap: var(--social-icons-gap, 12px); } #block-yui_3_17_2_1_1699814140419_180848 .sqs-svg-icon--wrapper { width: var(--social-icons-dimension, 20px); height: var(--social-icons-dimension, 20px); margin: 0; border: none; background-color: var(--si-bg, transparent); box-shadow: var(--si-box-shadow, none); border-radius: var(--si-border-radius, 0); } #block-yui_3_17_2_1_1699814140419_180848 .sqs-svg-icon--wrapper > div { transform: scale(var(--si-scale, 1)); } #block-yui_3_17_2_1_1699814140419_180848 .sqs-use--icon { fill: var(--si-fill-icon, transparent); } #block-yui_3_17_2_1_1699814140419_180848 .sqs-use--mask { fill: var(--si-fill-mask, transparent); } #block-yui_3_17_2_1_1699814140419_180848 .sqs-svg-icon--list:hover .sqs-svg-icon--wrapper { background-color: var(--si-bg-fade, var(--si-bg, transparent)); } #block-yui_3_17_2_1_1699814140419_180848 .sqs-svg-icon--list:hover .sqs-svg-icon--wrapper .sqs-use--icon { fill: var(--si-fill-icon-fade, var(--si-fill-icon, transparent)); } #block-yui_3_17_2_1_1699814140419_180848 .sqs-svg-icon--list:hover .sqs-svg-icon--wrapper .sqs-use--mask { fill: var(--si-fill-mask-fade, var(--si-fill-mask, transparent)); } #block-yui_3_17_2_1_1699814140419_180848 .sqs-svg-icon--list:hover .sqs-svg-icon--wrapper:hover { background-color: var(--si-bg-hover, var(--si-bg, transparent)); } #block-yui_3_17_2_1_1699814140419_180848 .sqs-svg-icon--list:hover .sqs-svg-icon--wrapper:hover .sqs-use--icon { fill: var(--si-fill-icon-hover, var(--si-fill-icon, transparent)); } #block-yui_3_17_2_1_1699814140419_180848 .sqs-svg-icon--list:hover .sqs-svg-icon--wrapper:hover .sqs-use--mask { fill: var(--si-fill-mask-hover, var(--si-fill-mask, transparent)); } </style> <nav class="sqs-svg-icon--list"> <a href="http://www.linkedin.com/in/paulfennercfp" target="_blank" class="sqs-svg-icon--wrapper linkedin-unauth" aria-label="LinkedIn" > <div> <svg class="sqs-svg-icon--social" viewBox="0 0 64 64"> <use class="sqs-use--icon" xlink:href="/universal/svg/social-accounts.svg#linkedin-unauth-icon"></use> <use class="sqs-use--mask" xlink:href="/universal/svg/social-accounts.svg#linkedin-unauth-mask"></use> </svg> </div> </a> <a href="https://www.youtube.com/channel/UCqSJ5dv4xnw0y8OG2rr-wBQ/videos" target="_blank" class="sqs-svg-icon--wrapper youtube-unauth" aria-label="YouTube" > <div> <svg class="sqs-svg-icon--social" viewBox="0 0 64 64"> <use class="sqs-use--icon" xlink:href="/universal/svg/social-accounts.svg#youtube-unauth-icon"></use> <use class="sqs-use--mask" xlink:href="/universal/svg/social-accounts.svg#youtube-unauth-mask"></use> </svg> </div> </a> </nav> </div> <style id="container-styles">#block-yui_3_17_2_1_1699814140419_180848 { } #block-yui_3_17_2_1_1699814140419_180848 .sqs-block-socialaccountlinks-content { --tweak-social-links-block-padding: initial; } .fe-block-yui_3_17_2_1_1699814140419_180848 { mix-blend-mode: var(--tweak-social-links-block-blend); border-radius: var(--tweak-social-links-block-radius); } .fe-block-yui_3_17_2_1_1699814140419_180848 { } </style> <style id="override-container-styles"> @media screen and (max-width: 767px) { #block-yui_3_17_2_1_1699814140419_180848 { } } @media screen and (max-width: 767px) { #block-yui_3_17_2_1_1699814140419_180848 .sqs-block-socialaccountlinks-content { } } @media screen and (max-width: 767px) { }</style> <style class="transform-overrides-vars"> </style> </div> </div></div></div><div class="fe-block fe-block-d8005d71a4ad7fd2b9f1"><div class="sqs-block website-component-block sqs-block-website-component sqs-block-html html-block" data-block-css="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/592e3595-e35d-435b-ac72-38a7e07714cf_791/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/592e3595-e35d-435b-ac72-38a7e07714cf_791/website.components.html.visitor.js"]" data-block-type="1337" data-definition-name="website.components.html" data-sqsp-block="text" data-website-component-id="d8005d71a4ad7fd2b9f1" id="block-d8005d71a4ad7fd2b9f1"><div class="sqs-block-content"><div class="sqs-text-block-container"> <div class="sqs-html-content" data-sqsp-text-block-content><p class="sqsrte-small" style="white-space:pre-wrap;">Contact</p><p class="sqsrte-small" style="white-space:pre-wrap;">Email: <a href="mailto:pfenner@tammacapital.com">pfenner@tammacapital.com</a></p><p class="sqsrte-small" style="white-space:pre-wrap;">Phone: (248) 290-9890</p><p class="sqsrte-small" style="white-space:pre-wrap;">Address: 6054 Strawberry Cir, Commerce Charter Twp, MI 48382</p><p class="sqsrte-small" style="white-space:pre-wrap;">© 2023 TAMMA Capital, LLC. | Personalized Investing for Your Future</p></div> <style id="container-styles">#block-d8005d71a4ad7fd2b9f1 { } #block-d8005d71a4ad7fd2b9f1 .sqs-html-content { --tweak-text-block-padding: 6% 6% 6% 6%; --tweak-text-block-padding: initial; } .fe-block-d8005d71a4ad7fd2b9f1 { mix-blend-mode: var(--tweak-text-block-blend ); border-radius: var(--tweak-text-block-radius); } .fe-block-d8005d71a4ad7fd2b9f1 { --tweak-text-block-radius: 0px 0px 0px 0px; } .fe-block-d8005d71a4ad7fd2b9f1 { } </style> <style id="override-container-styles"> @media screen and (max-width: 767px) { #block-d8005d71a4ad7fd2b9f1 { } } @media screen and (max-width: 767px) { #block-d8005d71a4ad7fd2b9f1 .sqs-html-content { } } @media screen and (max-width: 767px) { }</style> <style class="transform-overrides-vars"> </style> </div> </div></div></div><div class="fe-block fe-block-dc7d0abe6d72615dafa0"><div class="sqs-block website-component-block sqs-block-website-component sqs-block-html html-block" data-block-css="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/592e3595-e35d-435b-ac72-38a7e07714cf_791/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/592e3595-e35d-435b-ac72-38a7e07714cf_791/website.components.html.visitor.js"]" data-block-type="1337" data-definition-name="website.components.html" data-sqsp-block="text" data-website-component-id="dc7d0abe6d72615dafa0" id="block-dc7d0abe6d72615dafa0"><div class="sqs-block-content"><div class="sqs-text-block-container"> <div class="sqs-html-content" data-sqsp-text-block-content><p class="sqsrte-small" data-rte-preserve-empty="true" style="white-space:pre-wrap;"></p><p style="text-align:right;white-space:pre-wrap;" class="sqsrte-small" data-rte-preserve-empty="true"></p><p style="text-align:right;white-space:pre-wrap;" class="sqsrte-small"><a href="/s/TAMMA-Form-ADV-Part-2A_11-01-2017.pdf" target="_blank">ADV</a></p><p style="text-align:right;white-space:pre-wrap;" class="sqsrte-small"><a href="/privacy-policy" target="_blank">Privacy Policy</a></p><p style="text-align:right;white-space:pre-wrap;" class="sqsrte-small"><a href="/terms-of-service">Terms of Service</a></p></div> <style id="container-styles">#block-dc7d0abe6d72615dafa0 { } #block-dc7d0abe6d72615dafa0 .sqs-html-content { --tweak-text-block-padding: 6% 6% 6% 6%; --tweak-text-block-padding: initial; } .fe-block-dc7d0abe6d72615dafa0 { mix-blend-mode: var(--tweak-text-block-blend ); border-radius: var(--tweak-text-block-radius); } .fe-block-dc7d0abe6d72615dafa0 { --tweak-text-block-radius: 0px 0px 0px 0px; } .fe-block-dc7d0abe6d72615dafa0 { } </style> <style id="override-container-styles"> @media screen and (max-width: 767px) { #block-dc7d0abe6d72615dafa0 { } } @media screen and (max-width: 767px) { #block-dc7d0abe6d72615dafa0 .sqs-html-content { } } @media screen and (max-width: 767px) { }</style> <style class="transform-overrides-vars"> </style> </div> </div></div></div><div class="fe-block fe-block-yui_3_17_2_1_1702567670106_19381"><div class="sqs-block website-component-block sqs-block-website-component sqs-block-search" data-block-css="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.search/468232a0-7538-4aee-aa1a-720fa9547a60_500/website.components.search.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.search/468232a0-7538-4aee-aa1a-720fa9547a60_500/website.components.search.visitor.js"]" data-block-type="1337" data-definition-name="website.components.search" data-sqsp-block="search" data-website-component-id="yui_3_17_2_1_1702567670106_19381" id="block-yui_3_17_2_1_1702567670106_19381"><div class="sqs-block-content"> <div class="sqs-search-wrapper" component-data-strings="{"inputLabel":"Search","noCollectionSelected":"You must select a collection to search on","noResults":"No results found"}" > <div class="sqs-search-ui-text-input sqs-search-ui-button-wrapper color-light" data-source="block" data-preview="true" data-collection="" data-collectionfilter="false" > <div class="spinner-wrapper hide"> <div class="sqs-spin dark default"> <div class="sqs-spin-content"></div> </div> </div> <input type="search" class="search-input" value="" placeholder="Search" aria-label="Search" /> </div> <style id="sqs-search-preview-styles"> .sqs-search-preview-ui { position: absolute; z-index: 999999; background-color: #fff; width: 100%; } .sqs-search-preview-ui.hide { display: none; } .sqs-search-preview-ui .sqs-search-ui-result { border-top: none; border: 1px solid #ddd; } .sqs-search-preview-ui .search-result-notice { background-color: #fff; font-weight: 200; font-size: 12px; padding: 6px 12px; color: #333; } .sqs-search-preview-ui .search-result-notice.hide { display: none; } .sqs-search-preview-ui .sqs-search-ui-list { max-height: 500px; overflow-x: hidden; overflow-y: scroll; } .sqs-search-preview-ui .search-result { padding: 16px; cursor: pointer; border-bottom: 1px solid #ddd; transition: background-color .2s ease-out; } .sqs-search-preview-ui .search-result:last-child { border-bottom: none; } .sqs-search-preview-ui .search-result.selected, .sqs-search-preview-ui .search-result:hover { background-color: #f5f5f5; } .sqs-search-preview-ui .search-result.selected { outline-color: #333; } .sqs-search-preview-ui .sqs-search-ui-item { border-top: none; } .sqs-search-preview-ui .sqs-search-ui-item em { color: #222; font-style: italic; } .sqs-search-preview-ui .sqs-main-image-container { width: 50px; float: right; margin-left: 5px; box-shadow: #ddd 1px -1px 5px; } .sqs-search-preview-ui .sqs-main-image-intrinsic { position: relative; width: 100%; height: 0; padding-bottom: 100%; } .sqs-search-preview-ui .sqs-main-image { position: absolute; top: 0; left: 0; right: 0; bottom: 0; } .sqs-search-preview-ui .sqs-title { font-size: 16px; line-height: 1.2em; margin-bottom: 0.5em; color: #333; } .sqs-search-preview-ui .sqs-content { font-size: 12px; line-height: 1.4em; color: #333; } .sqs-search-preview-ui.no-image .sqs-main-image-container { display: none; } </style> <div class="sqs-search-preview-ui hide"> <div class="sqs-search-ui-result"> <div class="search-result-notice hide">No results found</div> <div class="sqs-search-ui-list"></div> </div> </div> </div> <style id="search-block-theme-yui_3_17_2_1_1702567670106_19381"> #block-yui_3_17_2_1_1702567670106_19381 { --search-theme-bg-image: url('//assets.squarespace.com/universal/images-v6/icons/icon-searchqueries-20-light.png'); --search-theme-color: #f7f7f7; --search-theme-border-color: #eee; --search-theme-placeholder-color: #ddd; } </style> <style id="search-block-color-overrides"> #block-yui_3_17_2_1_1702567670106_19381 { border-color: var(--search-block-stroke-color); } </style> <style id="container-styles">#block-yui_3_17_2_1_1702567670106_19381 { } #block-yui_3_17_2_1_1702567670106_19381 { --search-block-padding: initial; } .fe-block-yui_3_17_2_1_1702567670106_19381 { mix-blend-mode: var(--search-block-blend); border-radius: var(--search-block-radius); } .fe-block-yui_3_17_2_1_1702567670106_19381 { } </style> <style id="override-container-styles"> @media screen and (max-width: 767px) { #block-yui_3_17_2_1_1702567670106_19381 { } } @media screen and (max-width: 767px) { #block-yui_3_17_2_1_1702567670106_19381 { } } @media screen and (max-width: 767px) { }</style> </div></div></div></div></div> </div> </div> </section> </footer> </div> <script defer="true" src="https://static1.squarespace.com/static/vta/5c5a519771c10ba3470d8101/scripts/site-bundle.3ac4db8e38074e1383b5ecad2061af25.js" type="text/javascript"></script> <svg xmlns="http://www.w3.org/2000/svg" version="1.1" style="display:none" data-usage="social-icons-svg"><symbol id="linkedin-unauth-icon" viewBox="0 0 64 64"><path d="M20.4,44h5.4V26.6h-5.4V44z M23.1,18c-1.7,0-3.1,1.4-3.1,3.1c0,1.7,1.4,3.1,3.1,3.1 c1.7,0,3.1-1.4,3.1-3.1C26.2,19.4,24.8,18,23.1,18z M39.5,26.2c-2.6,0-4.4,1.4-5.1,2.8h-0.1v-2.4h-5.2V44h5.4v-8.6 c0-2.3,0.4-4.5,3.2-4.5c2.8,0,2.8,2.6,2.8,4.6V44H46v-9.5C46,29.8,45,26.2,39.5,26.2z"/></symbol><symbol id="linkedin-unauth-mask" viewBox="0 0 64 64"><path d="M0,0v64h64V0H0z M25.8,44h-5.4V26.6h5.4V44z M23.1,24.3c-1.7,0-3.1-1.4-3.1-3.1c0-1.7,1.4-3.1,3.1-3.1 c1.7,0,3.1,1.4,3.1,3.1C26.2,22.9,24.8,24.3,23.1,24.3z M46,44h-5.4v-8.4c0-2,0-4.6-2.8-4.6c-2.8,0-3.2,2.2-3.2,4.5V44h-5.4V26.6 h5.2V29h0.1c0.7-1.4,2.5-2.8,5.1-2.8c5.5,0,6.5,3.6,6.5,8.3V44z"/></symbol><symbol id="youtube-unauth-icon" viewBox="0 0 64 64"><path d="M46.7,26c0,0-0.3-2.1-1.2-3c-1.1-1.2-2.4-1.2-3-1.3C38.3,21.4,32,21.4,32,21.4h0 c0,0-6.3,0-10.5,0.3c-0.6,0.1-1.9,0.1-3,1.3c-0.9,0.9-1.2,3-1.2,3S17,28.4,17,30.9v2.3c0,2.4,0.3,4.9,0.3,4.9s0.3,2.1,1.2,3 c1.1,1.2,2.6,1.2,3.3,1.3c2.4,0.2,10.2,0.3,10.2,0.3s6.3,0,10.5-0.3c0.6-0.1,1.9-0.1,3-1.3c0.9-0.9,1.2-3,1.2-3s0.3-2.4,0.3-4.9 v-2.3C47,28.4,46.7,26,46.7,26z M28.9,35.9l0-8.4l8.1,4.2L28.9,35.9z"/></symbol><symbol id="youtube-unauth-mask" viewBox="0 0 64 64"><path d="M0,0v64h64V0H0z M47,33.1c0,2.4-0.3,4.9-0.3,4.9s-0.3,2.1-1.2,3c-1.1,1.2-2.4,1.2-3,1.3 C38.3,42.5,32,42.6,32,42.6s-7.8-0.1-10.2-0.3c-0.7-0.1-2.2-0.1-3.3-1.3c-0.9-0.9-1.2-3-1.2-3S17,35.6,17,33.1v-2.3 c0-2.4,0.3-4.9,0.3-4.9s0.3-2.1,1.2-3c1.1-1.2,2.4-1.2,3-1.3c4.2-0.3,10.5-0.3,10.5-0.3h0c0,0,6.3,0,10.5,0.3c0.6,0.1,1.9,0.1,3,1.3 c0.9,0.9,1.2,3,1.2,3s0.3,2.4,0.3,4.9V33.1z M28.9,35.9l8.1-4.2l-8.1-4.2L28.9,35.9z"/></symbol></svg> </body> </html>
Ep.237 – Paul Fenner – The Scoreboard We Never Chose Podcast May 7 Written By Paul Fenner <div class="video-caption-wrapper"> <div class="video-caption"> <p class="" data-rte-preserve-empty="true" style="white-space:pre-wrap;"></p> </div> </div> </div> <style class="transform-overrides-vars"> </style> </div></div><div class="sqs-block website-component-block sqs-block-website-component sqs-block-html html-block" data-block-css="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/592e3595-e35d-435b-ac72-38a7e07714cf_791/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/592e3595-e35d-435b-ac72-38a7e07714cf_791/website.components.html.visitor.js"]" data-block-type="1337" data-definition-name="website.components.html" data-sqsp-block="text" data-website-component-id="b70b591181fb05dc5379" id="block-b70b591181fb05dc5379"><div class="sqs-block-content"><div class="sqs-text-block-container"> <div class="sqs-html-content" data-sqsp-text-block-content><p class="" style="white-space:pre-wrap;" data-rte-preserve-empty="true">Why do so many people feel financially behind — even when the numbers say they're not?</p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true">Often, the problem isn't the plan. It's the expectation. Charlie Munger, near the end of his life, gave a one-sentence answer that cuts straight to the point: reasonable expectations.</p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true">In this conversation, I look at the gap between the life we imagined and the life we're living, and what happens when we never examine where our financial expectations came from in the first place, which may be one of the most underrated financial insights there is.</p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true">I share the story of a family that had done almost everything right but couldn't shake the feeling of being behind because the scoreboard they were measuring against had been set decades earlier.</p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true">The action step this week is small but not easy: pick one area where you feel financially behind and ask where that expectation actually came from. Not to fix it. Just to notice it. Because you can't rewrite a story you haven't read yet.Why do so many people feel financially behind — even when the numbers say they're not?</p><h3 style="white-space:pre-wrap;" data-rte-preserve-empty="true"><strong>ADDITIONAL RESOURCES YOU MAY LIKE</strong></h3></div> <style id="container-styles">#block-b70b591181fb05dc5379 { --stroke-style: none;--stroke-thickness: 6px; } #block-b70b591181fb05dc5379 .sqs-html-content { --tweak-text-block-padding: 6% 6% 6% 6%; --tweak-text-block-padding: initial; } #block-b70b591181fb05dc5379 { mix-blend-mode: var(--tweak-text-block-blend ); border-radius: var(--tweak-text-block-radius); } #block-b70b591181fb05dc5379 { --tweak-text-block-radius: 0px 0px 0px 0px; } #block-b70b591181fb05dc5379 { } </style> <style id="override-container-styles"> @media screen and (max-width: 767px) { #block-b70b591181fb05dc5379 { } } @media screen and (max-width: 767px) { #block-b70b591181fb05dc5379 .sqs-html-content { } } @media screen and (max-width: 767px) { }</style> <style class="transform-overrides-vars"> </style> </div> </div></div><div class="sqs-block website-component-block sqs-block-website-component sqs-block-summary-v2 summary-block summary-v2-block" data-block-css="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.summary/df89048a-559f-455e-9032-87bcbae595b2_509/website.components.summary.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.summary/df89048a-559f-455e-9032-87bcbae595b2_509/8018.js","https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.summary/df89048a-559f-455e-9032-87bcbae595b2_509/embed-video-player.js","https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.summary/df89048a-559f-455e-9032-87bcbae595b2_509/gallery-layout-autocolumns.js","https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.summary/df89048a-559f-455e-9032-87bcbae595b2_509/gallery-layout-autogrid.js","https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.summary/df89048a-559f-455e-9032-87bcbae595b2_509/gallery-layout-carousel.js","https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.summary/df89048a-559f-455e-9032-87bcbae595b2_509/gallery-layout-grid.js","https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.summary/df89048a-559f-455e-9032-87bcbae595b2_509/gallery-layout-list.js","https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.summary/df89048a-559f-455e-9032-87bcbae595b2_509/gallery-layout-slideshow.js","https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.summary/df89048a-559f-455e-9032-87bcbae595b2_509/gallery-layout-stacked.js","https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.summary/df89048a-559f-455e-9032-87bcbae595b2_509/gallery-layout-strip.js","https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.summary/df89048a-559f-455e-9032-87bcbae595b2_509/gallery-manager.js","https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.summary/df89048a-559f-455e-9032-87bcbae595b2_509/website.components.summary.visitor.js"]" data-block-type="1337" data-definition-name="website.components.summary" data-sqsp-block="summary" data-website-component-id="d9a43b3d178ed18d407e" id="block-d9a43b3d178ed18d407e"><div class="sqs-block-content"> <div class=" summary-block-wrapper summary-block-collection-type-blog-basic-grid summary-block-setting-text-size-medium summary-block-setting-text-align-left summary-block-setting-design-list summary-block-setting-design-list-thumbnail-left summary-block-setting-metadata-position-below-content summary-block-setting-primary-metadata-date summary-block-setting-secondary-metadata-none summary-block-setting-show-thumbnail summary-block-setting-show-title summary-block-setting-show-price summary-block-setting-show-excerpt sqs-gallery-design-list " data-design=list data-image-aspect-ratio=1.5 data-slides-per-row=3 data-mixed-content=true data-column-width=270 data-gutter="60" data-list-image-size="30" data-active-alignment="" data-square-thumbs="" data-auto-crop="true" > <div class="summary-item-list-container sqs-gallery-container"> <header class="summary-block-header"> <div class="summary-heading" data-animation-role="content"> <span class="summary-header-text">Featured</span> </div> <div class="summary-carousel-pager sqs-gallery-controls" data-animation-role="content"> <span class="summary-carousel-pager-prev previous" tabindex="0" role="button" aria-label="Previous" ></span> <span class="summary-carousel-pager-next next" tabindex="0" role="button" aria-label="Next" ></span> </div> </header> <div class="summary-item-list sqs-gallery"> <div class=" summary-item positioned summary-item-record-type-text sqs-gallery-design-list-slide summary-item-has-thumbnail summary-item-has-excerpt summary-item-has-author " > <div class="summary-thumbnail-outer-container"> <a href="/blog/you-have-a-coordination-problem-not-an-investment-problem" class=" summary-thumbnail-container sqs-gallery-image-container " data-title="You Have a Coordination Problem, Not an Investment Problem" data-description="" aria-label="You Have a Coordination Problem, Not an Investment Problem" > <div class="summary-thumbnail img-wrapper" data-animation-role="image"> <!-- Main Image --> <img data-src="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1784570065475-AG5CCVC66T5I92QVVW5F/Article+Photo.png" data-image="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1784570065475-AG5CCVC66T5I92QVVW5F/Article+Photo.png" data-image-dimensions="1408x768" data-image-focal-point="0.5,0.5" alt="You Have a Coordination Problem, Not an Investment Problem" data-load="false" class="summary-thumbnail-image" elementtiming="summary-thumbnail-image-list" /> </div> </a> <!-- Products: Quick View --> </div> <div class="summary-content sqs-gallery-meta-container" data-animation-role="content"> <div class="summary-metadata-container summary-metadata-container--above-title"> <div class="summary-metadata summary-metadata--primary"> <!-- Timestamp --> <time class="summary-metadata-item summary-metadata-item--date" datetime="2026-07-20">July 20, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> <div class="summary-title"> <a href="/blog/you-have-a-coordination-problem-not-an-investment-problem" class="summary-title-link"> You Have a Coordination Problem, Not an Investment Problem </a> </div> <div class="summary-metadata-container summary-metadata-container--below-title"> <div class="summary-metadata summary-metadata--primary"> <!-- Timestamp --> <time class="summary-metadata-item summary-metadata-item--date" datetime="2026-07-20">July 20, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> <div class=" summary-excerpt summary-excerpt-only "><p style="white-space:pre-wrap;" data-rte-preserve-empty="true">Most senior professionals are running their financial life on settings configured for a version of themselves that hasn't existed in a decade. The defaults haven't gotten worse. The person living them has changed.</p></div> <div class="summary-metadata-container summary-metadata-container--below-content"> <div class="summary-metadata summary-metadata--primary"> <!-- Timestamp --> <time class="summary-metadata-item summary-metadata-item--date" datetime="2026-07-20">July 20, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> </div> </div> <div class=" summary-item positioned summary-item-record-type-text sqs-gallery-design-list-slide summary-item-has-thumbnail summary-item-has-excerpt summary-item-has-author " > <div class="summary-thumbnail-outer-container"> <a href="/blog/the-settings-you-configured-for-a-person-who-doesnt-exist-anymore" class=" summary-thumbnail-container sqs-gallery-image-container " data-title="The Settings You Configured for a Person Who Doesn't Exist Anymore" data-description="" aria-label="The Settings You Configured for a Person Who Doesn't Exist Anymore" > <div class="summary-thumbnail img-wrapper" data-animation-role="image"> <!-- Main Image --> <img data-src="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1783975477284-RS11LQ98UO4ZQWJNX98A/Article+Photo.png" data-image="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1783975477284-RS11LQ98UO4ZQWJNX98A/Article+Photo.png" data-image-dimensions="1408x768" data-image-focal-point="0.5,0.5" alt="The Settings You Configured for a Person Who Doesn't Exist Anymore" data-load="false" class="summary-thumbnail-image" elementtiming="summary-thumbnail-image-list" /> </div> </a> <!-- Products: Quick View --> </div> <div class="summary-content sqs-gallery-meta-container" data-animation-role="content"> <div class="summary-metadata-container summary-metadata-container--above-title"> <div class="summary-metadata summary-metadata--primary"> <!-- Timestamp --> <time class="summary-metadata-item summary-metadata-item--date" datetime="2026-07-13">July 13, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> <div class="summary-title"> <a href="/blog/the-settings-you-configured-for-a-person-who-doesnt-exist-anymore" class="summary-title-link"> The Settings You Configured for a Person Who Doesn't Exist Anymore </a> </div> <div class="summary-metadata-container summary-metadata-container--below-title"> <div class="summary-metadata summary-metadata--primary"> <!-- Timestamp --> <time class="summary-metadata-item summary-metadata-item--date" datetime="2026-07-13">July 13, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> <div class=" summary-excerpt summary-excerpt-only "><p style="white-space:pre-wrap;" data-rte-preserve-empty="true">Most senior professionals are running their financial life on settings configured for a version of themselves that hasn't existed in a decade. The defaults haven't gotten worse. The person living them has changed.</p></div> <div class="summary-metadata-container summary-metadata-container--below-content"> <div class="summary-metadata summary-metadata--primary"> <!-- Timestamp --> <time class="summary-metadata-item summary-metadata-item--date" datetime="2026-07-13">July 13, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> </div> </div> <div class=" summary-item positioned summary-item-record-type-text sqs-gallery-design-list-slide summary-item-has-thumbnail summary-item-has-excerpt summary-item-has-author " > <div class="summary-thumbnail-outer-container"> <a href="/blog/what-happens-when-the-gap-is-zero" class=" summary-thumbnail-container sqs-gallery-image-container " data-title="What Happens When the Gap Is Zero" data-description="" aria-label="What Happens When the Gap Is Zero" > <div class="summary-thumbnail img-wrapper" data-animation-role="image"> <!-- Main Image --> <img data-src="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1783346066002-AS16CY6F1T9ZZPGICN21/Article+Photo.png" data-image="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1783346066002-AS16CY6F1T9ZZPGICN21/Article+Photo.png" data-image-dimensions="1408x768" data-image-focal-point="0.5,0.5" alt="What Happens When the Gap Is Zero" data-load="false" class="summary-thumbnail-image" elementtiming="summary-thumbnail-image-list" /> </div> </a> <!-- Products: Quick View --> </div> <div class="summary-content sqs-gallery-meta-container" data-animation-role="content"> <div class="summary-metadata-container summary-metadata-container--above-title"> <div class="summary-metadata summary-metadata--primary"> <!-- Timestamp --> <time class="summary-metadata-item summary-metadata-item--date" datetime="2026-07-06">July 6, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> <div class="summary-title"> <a href="/blog/what-happens-when-the-gap-is-zero" class="summary-title-link"> What Happens When the Gap Is Zero </a> </div> <div class="summary-metadata-container summary-metadata-container--below-title"> <div class="summary-metadata summary-metadata--primary"> <!-- Timestamp --> <time class="summary-metadata-item summary-metadata-item--date" datetime="2026-07-06">July 6, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> <div class=" summary-excerpt summary-excerpt-only "><p style="white-space:pre-wrap;" data-rte-preserve-empty="true">What if your paycheck stopped tomorrow? The real financial failure isn’t a bad investment. It’s having no buffer between what life costs and what you have.</p></div> <div class="summary-metadata-container summary-metadata-container--below-content"> <div class="summary-metadata summary-metadata--primary"> <!-- Timestamp --> <time class="summary-metadata-item summary-metadata-item--date" datetime="2026-07-06">July 6, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> </div> </div> </div> </div> </div> <style>.fe-block-d9a43b3d178ed18d407e {mix-blend-mode: ; }</style> </div></div></div><div class="col sqs-col-5 span-5"><div class="sqs-block website-component-block sqs-block-website-component sqs-block-html html-block" data-block-css="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/592e3595-e35d-435b-ac72-38a7e07714cf_791/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/592e3595-e35d-435b-ac72-38a7e07714cf_791/website.components.html.visitor.js"]" data-block-type="1337" data-definition-name="website.components.html" data-sqsp-block="text" data-website-component-id="10d4e0c26a6bb8c9e7f0" id="block-10d4e0c26a6bb8c9e7f0"><div class="sqs-block-content"><div class="sqs-text-block-container"> <div class="sqs-html-content" data-sqsp-text-block-content><h4 style="white-space:pre-wrap;" data-rte-preserve-empty="true">1 Big Idea to Think About</h4><ul data-rte-list="default"><li><p class="" style="white-space:pre-wrap;" data-rte-preserve-empty="true">The financial anxiety most families carry isn't usually about their actual situation. It's about the gap between where they are and where they assumed they'd be. Expectations built years ago that were never examined or never really chosen.</p></li></ul><h4 style="white-space:pre-wrap;" data-rte-preserve-empty="true">1 Way You Can Apply This</h4><ul data-rte-list="default"><li><p class="" style="white-space:pre-wrap;" data-rte-preserve-empty="true">Pick one area of your financial life where you feel behind or "not enough." Ask yourself where that expectation actually came from. You don't need to fix it. Just trace it back. Awareness is the first adjustment.</p></li></ul><h4 style="white-space:pre-wrap;" data-rte-preserve-empty="true">1 Question to Ask</h4><ul data-rte-list="default"><li><p class="" style="white-space:pre-wrap;" data-rte-preserve-empty="true">Is the scoreboard I'm measuring my financial life against one I actually chose, or one that just arrived from someone or somewhere else?</p></li></ul><h4 style="white-space:pre-wrap;" data-rte-preserve-empty="true"><strong>Resources Featured in This Episode:</strong></h4><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true"><a href="https://tammacapital.com/optimize-your-spending-to-increase-your-happiness/">Optimize Your Spending to Increase Your Happiness</a></p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true"><a href="https://www.tammacapital.com/blog/wealth-planning-is-for-everyone/">Wealth Planning is For Everyone</a></p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true"><a href="https://tammacapital.com/10/">Experiencing Career & Life Transitions from Multiple Angles</a> </p></div> <style id="container-styles">#block-10d4e0c26a6bb8c9e7f0 { --stroke-style: none;--stroke-thickness: 6px; } #block-10d4e0c26a6bb8c9e7f0 .sqs-html-content { --tweak-text-block-padding: 6% 6% 6% 6%; --tweak-text-block-padding: initial; } #block-10d4e0c26a6bb8c9e7f0 { mix-blend-mode: var(--tweak-text-block-blend ); border-radius: var(--tweak-text-block-radius); } #block-10d4e0c26a6bb8c9e7f0 { --tweak-text-block-radius: 0px 0px 0px 0px; } #block-10d4e0c26a6bb8c9e7f0 { } </style> <style id="override-container-styles"> @media screen and (max-width: 767px) { #block-10d4e0c26a6bb8c9e7f0 { } } @media screen and (max-width: 767px) { #block-10d4e0c26a6bb8c9e7f0 .sqs-html-content { } } @media screen and (max-width: 767px) { }</style> <style class="transform-overrides-vars"> </style> </div> </div></div></div></div></div></div></div></div> <div class="blog-item-author-profile-wrapper" data-content-field="author"> <a href="/podcast?author=6568d8a4109e221f9097c768"> <span class="author-name">Paul Fenner</span> </a> </div> </div> <section class="blog-item-comments"> <div class="blog-item-comments-toggle-wrapper"> <div id="blogItemCommentsContent" class="blog-item-comments-content" data-content-field="comments"> </div> </div> </section> </div> </article> </div> </div> </div> </section> </article> <section id="itemPagination" class="item-pagination item-pagination--prev-next" data-collection-type="blog-side-by-side" > <a href="/podcast/ep237-paul-fenner-the-financial-story-you-keep-telling-yourself" class="item-pagination-link item-pagination-link--prev"> <div class="item-pagination-icon icon icon--stroke"> <svg class="caret-left-icon--small" viewBox="0 0 9 16"> <polyline fill="none" stroke-miterlimit="10" points="7.3,14.7 2.5,8 7.3,1.2"/> </svg> </div> <span class="pagination-title-wrapper"> <div class="visually-hidden">Previous</div> <div class="item-pagination-prev-next">Previous</div> <h2 class="item-pagination-title">Ep.238 – Paul Fenner – The Financial Story You Keep Telling Yourself</h2> </span> </a> <a href="/podcast/ep236-paul-fenner-the-story-that-spent-your-money" class="item-pagination-link item-pagination-link--next"> <div class="pagination-title-wrapper"> <div class="visually-hidden">Next</div> <div class="item-pagination-prev-next">Next</div> <h2 class="item-pagination-title">Ep.236 – Paul Fenner – The Story That Spent Your Money</h2> </div> <div class="item-pagination-icon icon icon--stroke"> <svg class="caret-right-icon--small" viewBox="0 0 9 16"> <polyline fill="none" stroke-miterlimit="10" points="1.6,1.2 6.5,7.9 1.6,14.7"/> </svg> </div> </a> </section> </main> <footer class="sections" id="footer-sections" data-footer-sections> <section data-test="page-section" data-section-theme="dark" class='page-section full-bleed-section layout-engine-section background-width--full-bleed section-height--custom content-width--wide horizontal-alignment--center vertical-alignment--middle dark' data-section-id="654fc246aba94f2bc8f14169" data-controller="SectionWrapperController" data-current-styles="{ "imageOverlayOpacity": 0.15, "backgroundWidth": "background-width--full-bleed", "sectionHeight": "section-height--custom", "customSectionHeight": 10, "horizontalAlignment": "horizontal-alignment--center", "verticalAlignment": "vertical-alignment--middle", "contentWidth": "content-width--wide", "customContentWidth": 50, "sectionTheme": "dark", "sectionAnimation": "none", "backgroundMode": "image" }" data-current-context="{ "video": { "playbackSpeed": 0.5, "filter": 1, "filterStrength": 0, "zoom": 0, "videoSourceProvider": "none" }, "backgroundImageId": null, "backgroundMediaEffect": { "type": "none" }, "divider": { "enabled": false }, "typeName": "blog-side-by-side" }" data-animation="none" data-fluid-engine-section style="min-height: 10vh;" data-sqsp-section="fluid-engine" > <div class="section-border" > <div class="section-background"> </div> </div> <div class='content-wrapper' style=' padding-top: calc(10vmax / 10); padding-bottom: calc(10vmax / 10); ' > <div class="content" > <div data-fluid-engine="true"><style> .fe-654fc246aba94f2bc8f14168 { --grid-gutter: calc(var(--sqs-mobile-site-gutter, 6vw) - 11.0px); --cell-max-width: calc( ( var(--sqs-site-max-width, 1500px) - (11.0px * (8 - 1)) ) / 8 ); display: grid; position: relative; grid-area: 1/1/-1/-1; grid-template-rows: repeat(14,minmax(24px, auto)); grid-template-columns: minmax(var(--grid-gutter), 1fr) repeat(8, minmax(0, var(--cell-max-width))) minmax(var(--grid-gutter), 1fr); row-gap: 11.0px; column-gap: 11.0px; overflow-x: hidden; overflow-x: clip; } @media (min-width: 768px) { .background-width--inset .fe-654fc246aba94f2bc8f14168 { --inset-padding: calc(var(--sqs-site-gutter) * 2); } .fe-654fc246aba94f2bc8f14168 { --grid-gutter: calc(var(--sqs-site-gutter, 4vw) - 11.0px); --cell-max-width: calc( ( var(--sqs-site-max-width, 1500px) - (11.0px * (24 - 1)) ) / 24 ); --inset-padding: 0vw; --row-height-scaling-factor: 0.0215; --container-width: min(var(--sqs-site-max-width, 1500px), calc(100vw - var(--sqs-site-gutter, 4vw) * 2 - var(--inset-padding) )); grid-template-rows: repeat(14,minmax(calc(var(--container-width) * var(--row-height-scaling-factor)), auto)); grid-template-columns: minmax(var(--grid-gutter), 1fr) repeat(24, minmax(0, var(--cell-max-width))) minmax(var(--grid-gutter), 1fr); } } .fe-block-yui_3_17_2_1_1699814140419_180848 { grid-area: 1/2/3/10; z-index: 4; @media (max-width: 767px) { } } .fe-block-yui_3_17_2_1_1699814140419_180848 .sqs-block { justify-content: flex-start; } .fe-block-yui_3_17_2_1_1699814140419_180848 .sqs-block-alignment-wrapper { align-items: flex-start; } @media (min-width: 768px) { .fe-block-yui_3_17_2_1_1699814140419_180848 { grid-area: 2/2/4/26; z-index: 1; } .fe-block-yui_3_17_2_1_1699814140419_180848 .sqs-block { justify-content: flex-start; } .fe-block-yui_3_17_2_1_1699814140419_180848 .sqs-block-alignment-wrapper { align-items: flex-start; } } .fe-block-d8005d71a4ad7fd2b9f1 { grid-area: 4/2/7/10; z-index: 2; @media (max-width: 767px) { } } .fe-block-d8005d71a4ad7fd2b9f1 .sqs-block { justify-content: flex-start; } .fe-block-d8005d71a4ad7fd2b9f1 .sqs-block-alignment-wrapper { align-items: flex-start; } @media (min-width: 768px) { .fe-block-d8005d71a4ad7fd2b9f1 { grid-area: 4/4/9/15; z-index: 3; } .fe-block-d8005d71a4ad7fd2b9f1 .sqs-block { justify-content: center; } .fe-block-d8005d71a4ad7fd2b9f1 .sqs-block-alignment-wrapper { align-items: center; } } .fe-block-dc7d0abe6d72615dafa0 { grid-area: 7/2/10/10; z-index: 3; @media (max-width: 767px) { } } .fe-block-dc7d0abe6d72615dafa0 .sqs-block { justify-content: flex-start; } .fe-block-dc7d0abe6d72615dafa0 .sqs-block-alignment-wrapper { align-items: flex-start; } @media (min-width: 768px) { .fe-block-dc7d0abe6d72615dafa0 { grid-area: 4/14/9/24; z-index: 4; } .fe-block-dc7d0abe6d72615dafa0 .sqs-block { justify-content: center; } .fe-block-dc7d0abe6d72615dafa0 .sqs-block-alignment-wrapper { align-items: center; } } .fe-block-yui_3_17_2_1_1702567670106_19381 { grid-area: 10/2/15/10; z-index: 7; @media (max-width: 767px) { } } .fe-block-yui_3_17_2_1_1702567670106_19381 .sqs-block { justify-content: flex-start; } .fe-block-yui_3_17_2_1_1702567670106_19381 .sqs-block-alignment-wrapper { align-items: flex-start; } @media (min-width: 768px) { .fe-block-yui_3_17_2_1_1702567670106_19381 { grid-area: 10/10/12/18; z-index: 6; } .fe-block-yui_3_17_2_1_1702567670106_19381 .sqs-block { justify-content: flex-start; } .fe-block-yui_3_17_2_1_1702567670106_19381 .sqs-block-alignment-wrapper { align-items: flex-start; } } </style><div class="fluid-engine fe-654fc246aba94f2bc8f14168"><div class="fe-block fe-block-yui_3_17_2_1_1699814140419_180848"><div class="sqs-block website-component-block sqs-block-website-component sqs-block-socialaccountlinks social-account-links-block social-account-links-v2-block" data-block-css="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.socialLinks/e4938a8d-3e15-481c-92b1-277d9a21c0ac_569/website.components.socialLinks.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.socialLinks/e4938a8d-3e15-481c-92b1-277d9a21c0ac_569/website.components.socialLinks.visitor.js"]" data-block-type="1337" data-definition-name="website.components.socialLinks" data-sqsp-block="social-links" data-website-component-id="yui_3_17_2_1_1699814140419_180848" id="block-yui_3_17_2_1_1699814140419_180848"><div class="sqs-block-content"> <div class="sqs-block-socialaccountlinks-content"> <div class="sqs-svg-icon--outer social-icon-alignment-center social-icons-color-black social-icons-size-extra-large social-icons-shape-circle social-icons-style-border"> <style> #block-yui_3_17_2_1_1699814140419_180848 { --social-icons-justify-content: center; --social-icons-dimension: 48px;--social-icons-gap: 12px; } #block-yui_3_17_2_1_1699814140419_180848 .sqs-svg-icon--wrapper { --si-border-radius: 50%;--si-scale: 1;--si-box-shadow: 0 0 0 var(--social-icons-border-thickness, 2px) inset;--si-fill-icon: var(--si-primary);--si-fill-icon-fade: var(--si-primary);--si-fill-icon-hover: var(--si-contrast);--si-fill-mask: transparent;--si-fill-mask-fade: transparent;--si-fill-mask-hover: transparent;--si-bg: transparent;--si-bg-fade: transparent;--si-bg-hover: var(--si-primary); } #block-yui_3_17_2_1_1699814140419_180848 .sqs-svg-icon--list { justify-content: var(--social-icons-justify-content, center); column-gap: var(--social-icons-gap, 12px); row-gap: var(--social-icons-gap, 12px); } #block-yui_3_17_2_1_1699814140419_180848 .sqs-svg-icon--wrapper { width: var(--social-icons-dimension, 20px); height: var(--social-icons-dimension, 20px); margin: 0; border: none; background-color: var(--si-bg, transparent); box-shadow: var(--si-box-shadow, none); border-radius: var(--si-border-radius, 0); } #block-yui_3_17_2_1_1699814140419_180848 .sqs-svg-icon--wrapper > div { transform: scale(var(--si-scale, 1)); } #block-yui_3_17_2_1_1699814140419_180848 .sqs-use--icon { fill: var(--si-fill-icon, transparent); } #block-yui_3_17_2_1_1699814140419_180848 .sqs-use--mask { fill: var(--si-fill-mask, transparent); } #block-yui_3_17_2_1_1699814140419_180848 .sqs-svg-icon--list:hover .sqs-svg-icon--wrapper { background-color: var(--si-bg-fade, var(--si-bg, transparent)); } #block-yui_3_17_2_1_1699814140419_180848 .sqs-svg-icon--list:hover .sqs-svg-icon--wrapper .sqs-use--icon { fill: var(--si-fill-icon-fade, var(--si-fill-icon, transparent)); } #block-yui_3_17_2_1_1699814140419_180848 .sqs-svg-icon--list:hover .sqs-svg-icon--wrapper .sqs-use--mask { fill: var(--si-fill-mask-fade, var(--si-fill-mask, transparent)); } #block-yui_3_17_2_1_1699814140419_180848 .sqs-svg-icon--list:hover .sqs-svg-icon--wrapper:hover { background-color: var(--si-bg-hover, var(--si-bg, transparent)); } #block-yui_3_17_2_1_1699814140419_180848 .sqs-svg-icon--list:hover .sqs-svg-icon--wrapper:hover .sqs-use--icon { fill: var(--si-fill-icon-hover, var(--si-fill-icon, transparent)); } #block-yui_3_17_2_1_1699814140419_180848 .sqs-svg-icon--list:hover .sqs-svg-icon--wrapper:hover .sqs-use--mask { fill: var(--si-fill-mask-hover, var(--si-fill-mask, transparent)); } </style> <nav class="sqs-svg-icon--list"> <a href="http://www.linkedin.com/in/paulfennercfp" target="_blank" class="sqs-svg-icon--wrapper linkedin-unauth" aria-label="LinkedIn" > <div> <svg class="sqs-svg-icon--social" viewBox="0 0 64 64"> <use class="sqs-use--icon" xlink:href="/universal/svg/social-accounts.svg#linkedin-unauth-icon"></use> <use class="sqs-use--mask" xlink:href="/universal/svg/social-accounts.svg#linkedin-unauth-mask"></use> </svg> </div> </a> <a href="https://www.youtube.com/channel/UCqSJ5dv4xnw0y8OG2rr-wBQ/videos" target="_blank" class="sqs-svg-icon--wrapper youtube-unauth" aria-label="YouTube" > <div> <svg class="sqs-svg-icon--social" viewBox="0 0 64 64"> <use class="sqs-use--icon" xlink:href="/universal/svg/social-accounts.svg#youtube-unauth-icon"></use> <use class="sqs-use--mask" xlink:href="/universal/svg/social-accounts.svg#youtube-unauth-mask"></use> </svg> </div> </a> </nav> </div> <style id="container-styles">#block-yui_3_17_2_1_1699814140419_180848 { } #block-yui_3_17_2_1_1699814140419_180848 .sqs-block-socialaccountlinks-content { --tweak-social-links-block-padding: initial; } .fe-block-yui_3_17_2_1_1699814140419_180848 { mix-blend-mode: var(--tweak-social-links-block-blend); border-radius: var(--tweak-social-links-block-radius); } .fe-block-yui_3_17_2_1_1699814140419_180848 { } </style> <style id="override-container-styles"> @media screen and (max-width: 767px) { #block-yui_3_17_2_1_1699814140419_180848 { } } @media screen and (max-width: 767px) { #block-yui_3_17_2_1_1699814140419_180848 .sqs-block-socialaccountlinks-content { } } @media screen and (max-width: 767px) { }</style> <style class="transform-overrides-vars"> </style> </div> </div></div></div><div class="fe-block fe-block-d8005d71a4ad7fd2b9f1"><div class="sqs-block website-component-block sqs-block-website-component sqs-block-html html-block" data-block-css="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/592e3595-e35d-435b-ac72-38a7e07714cf_791/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/592e3595-e35d-435b-ac72-38a7e07714cf_791/website.components.html.visitor.js"]" data-block-type="1337" data-definition-name="website.components.html" data-sqsp-block="text" data-website-component-id="d8005d71a4ad7fd2b9f1" id="block-d8005d71a4ad7fd2b9f1"><div class="sqs-block-content"><div class="sqs-text-block-container"> <div class="sqs-html-content" data-sqsp-text-block-content><p class="sqsrte-small" style="white-space:pre-wrap;">Contact</p><p class="sqsrte-small" style="white-space:pre-wrap;">Email: <a href="mailto:pfenner@tammacapital.com">pfenner@tammacapital.com</a></p><p class="sqsrte-small" style="white-space:pre-wrap;">Phone: (248) 290-9890</p><p class="sqsrte-small" style="white-space:pre-wrap;">Address: 6054 Strawberry Cir, Commerce Charter Twp, MI 48382</p><p class="sqsrte-small" style="white-space:pre-wrap;">© 2023 TAMMA Capital, LLC. | Personalized Investing for Your Future</p></div> <style id="container-styles">#block-d8005d71a4ad7fd2b9f1 { } #block-d8005d71a4ad7fd2b9f1 .sqs-html-content { --tweak-text-block-padding: 6% 6% 6% 6%; --tweak-text-block-padding: initial; } .fe-block-d8005d71a4ad7fd2b9f1 { mix-blend-mode: var(--tweak-text-block-blend ); border-radius: var(--tweak-text-block-radius); } .fe-block-d8005d71a4ad7fd2b9f1 { --tweak-text-block-radius: 0px 0px 0px 0px; } .fe-block-d8005d71a4ad7fd2b9f1 { } </style> <style id="override-container-styles"> @media screen and (max-width: 767px) { #block-d8005d71a4ad7fd2b9f1 { } } @media screen and (max-width: 767px) { #block-d8005d71a4ad7fd2b9f1 .sqs-html-content { } } @media screen and (max-width: 767px) { }</style> <style class="transform-overrides-vars"> </style> </div> </div></div></div><div class="fe-block fe-block-dc7d0abe6d72615dafa0"><div class="sqs-block website-component-block sqs-block-website-component sqs-block-html html-block" data-block-css="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/592e3595-e35d-435b-ac72-38a7e07714cf_791/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/592e3595-e35d-435b-ac72-38a7e07714cf_791/website.components.html.visitor.js"]" data-block-type="1337" data-definition-name="website.components.html" data-sqsp-block="text" data-website-component-id="dc7d0abe6d72615dafa0" id="block-dc7d0abe6d72615dafa0"><div class="sqs-block-content"><div class="sqs-text-block-container"> <div class="sqs-html-content" data-sqsp-text-block-content><p class="sqsrte-small" data-rte-preserve-empty="true" style="white-space:pre-wrap;"></p><p style="text-align:right;white-space:pre-wrap;" class="sqsrte-small" data-rte-preserve-empty="true"></p><p style="text-align:right;white-space:pre-wrap;" class="sqsrte-small"><a href="/s/TAMMA-Form-ADV-Part-2A_11-01-2017.pdf" target="_blank">ADV</a></p><p style="text-align:right;white-space:pre-wrap;" class="sqsrte-small"><a href="/privacy-policy" target="_blank">Privacy Policy</a></p><p style="text-align:right;white-space:pre-wrap;" class="sqsrte-small"><a href="/terms-of-service">Terms of Service</a></p></div> <style id="container-styles">#block-dc7d0abe6d72615dafa0 { } #block-dc7d0abe6d72615dafa0 .sqs-html-content { --tweak-text-block-padding: 6% 6% 6% 6%; --tweak-text-block-padding: initial; } .fe-block-dc7d0abe6d72615dafa0 { mix-blend-mode: var(--tweak-text-block-blend ); border-radius: var(--tweak-text-block-radius); } .fe-block-dc7d0abe6d72615dafa0 { --tweak-text-block-radius: 0px 0px 0px 0px; } .fe-block-dc7d0abe6d72615dafa0 { } </style> <style id="override-container-styles"> @media screen and (max-width: 767px) { #block-dc7d0abe6d72615dafa0 { } } @media screen and (max-width: 767px) { #block-dc7d0abe6d72615dafa0 .sqs-html-content { } } @media screen and (max-width: 767px) { }</style> <style class="transform-overrides-vars"> </style> </div> </div></div></div><div class="fe-block fe-block-yui_3_17_2_1_1702567670106_19381"><div class="sqs-block website-component-block sqs-block-website-component sqs-block-search" data-block-css="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.search/468232a0-7538-4aee-aa1a-720fa9547a60_500/website.components.search.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.search/468232a0-7538-4aee-aa1a-720fa9547a60_500/website.components.search.visitor.js"]" data-block-type="1337" data-definition-name="website.components.search" data-sqsp-block="search" data-website-component-id="yui_3_17_2_1_1702567670106_19381" id="block-yui_3_17_2_1_1702567670106_19381"><div class="sqs-block-content"> <div class="sqs-search-wrapper" component-data-strings="{"inputLabel":"Search","noCollectionSelected":"You must select a collection to search on","noResults":"No results found"}" > <div class="sqs-search-ui-text-input sqs-search-ui-button-wrapper color-light" data-source="block" data-preview="true" data-collection="" data-collectionfilter="false" > <div class="spinner-wrapper hide"> <div class="sqs-spin dark default"> <div class="sqs-spin-content"></div> </div> </div> <input type="search" class="search-input" value="" placeholder="Search" aria-label="Search" /> </div> <style id="sqs-search-preview-styles"> .sqs-search-preview-ui { position: absolute; z-index: 999999; background-color: #fff; width: 100%; } .sqs-search-preview-ui.hide { display: none; } .sqs-search-preview-ui .sqs-search-ui-result { border-top: none; border: 1px solid #ddd; } .sqs-search-preview-ui .search-result-notice { background-color: #fff; font-weight: 200; font-size: 12px; padding: 6px 12px; color: #333; } .sqs-search-preview-ui .search-result-notice.hide { display: none; } .sqs-search-preview-ui .sqs-search-ui-list { max-height: 500px; overflow-x: hidden; overflow-y: scroll; } .sqs-search-preview-ui .search-result { padding: 16px; cursor: pointer; border-bottom: 1px solid #ddd; transition: background-color .2s ease-out; } .sqs-search-preview-ui .search-result:last-child { border-bottom: none; } .sqs-search-preview-ui .search-result.selected, .sqs-search-preview-ui .search-result:hover { background-color: #f5f5f5; } .sqs-search-preview-ui .search-result.selected { outline-color: #333; } .sqs-search-preview-ui .sqs-search-ui-item { border-top: none; } .sqs-search-preview-ui .sqs-search-ui-item em { color: #222; font-style: italic; } .sqs-search-preview-ui .sqs-main-image-container { width: 50px; float: right; margin-left: 5px; box-shadow: #ddd 1px -1px 5px; } .sqs-search-preview-ui .sqs-main-image-intrinsic { position: relative; width: 100%; height: 0; padding-bottom: 100%; } .sqs-search-preview-ui .sqs-main-image { position: absolute; top: 0; left: 0; right: 0; bottom: 0; } .sqs-search-preview-ui .sqs-title { font-size: 16px; line-height: 1.2em; margin-bottom: 0.5em; color: #333; } .sqs-search-preview-ui .sqs-content { font-size: 12px; line-height: 1.4em; color: #333; } .sqs-search-preview-ui.no-image .sqs-main-image-container { display: none; } </style> <div class="sqs-search-preview-ui hide"> <div class="sqs-search-ui-result"> <div class="search-result-notice hide">No results found</div> <div class="sqs-search-ui-list"></div> </div> </div> </div> <style id="search-block-theme-yui_3_17_2_1_1702567670106_19381"> #block-yui_3_17_2_1_1702567670106_19381 { --search-theme-bg-image: url('//assets.squarespace.com/universal/images-v6/icons/icon-searchqueries-20-light.png'); --search-theme-color: #f7f7f7; --search-theme-border-color: #eee; --search-theme-placeholder-color: #ddd; } </style> <style id="search-block-color-overrides"> #block-yui_3_17_2_1_1702567670106_19381 { border-color: var(--search-block-stroke-color); } </style> <style id="container-styles">#block-yui_3_17_2_1_1702567670106_19381 { } #block-yui_3_17_2_1_1702567670106_19381 { --search-block-padding: initial; } .fe-block-yui_3_17_2_1_1702567670106_19381 { mix-blend-mode: var(--search-block-blend); border-radius: var(--search-block-radius); } .fe-block-yui_3_17_2_1_1702567670106_19381 { } </style> <style id="override-container-styles"> @media screen and (max-width: 767px) { #block-yui_3_17_2_1_1702567670106_19381 { } } @media screen and (max-width: 767px) { #block-yui_3_17_2_1_1702567670106_19381 { } } @media screen and (max-width: 767px) { }</style> </div></div></div></div></div> </div> </div> </section> </footer> </div> <script defer="true" src="https://static1.squarespace.com/static/vta/5c5a519771c10ba3470d8101/scripts/site-bundle.3ac4db8e38074e1383b5ecad2061af25.js" type="text/javascript"></script> <svg xmlns="http://www.w3.org/2000/svg" version="1.1" style="display:none" data-usage="social-icons-svg"><symbol id="linkedin-unauth-icon" viewBox="0 0 64 64"><path d="M20.4,44h5.4V26.6h-5.4V44z M23.1,18c-1.7,0-3.1,1.4-3.1,3.1c0,1.7,1.4,3.1,3.1,3.1 c1.7,0,3.1-1.4,3.1-3.1C26.2,19.4,24.8,18,23.1,18z M39.5,26.2c-2.6,0-4.4,1.4-5.1,2.8h-0.1v-2.4h-5.2V44h5.4v-8.6 c0-2.3,0.4-4.5,3.2-4.5c2.8,0,2.8,2.6,2.8,4.6V44H46v-9.5C46,29.8,45,26.2,39.5,26.2z"/></symbol><symbol id="linkedin-unauth-mask" viewBox="0 0 64 64"><path d="M0,0v64h64V0H0z M25.8,44h-5.4V26.6h5.4V44z M23.1,24.3c-1.7,0-3.1-1.4-3.1-3.1c0-1.7,1.4-3.1,3.1-3.1 c1.7,0,3.1,1.4,3.1,3.1C26.2,22.9,24.8,24.3,23.1,24.3z M46,44h-5.4v-8.4c0-2,0-4.6-2.8-4.6c-2.8,0-3.2,2.2-3.2,4.5V44h-5.4V26.6 h5.2V29h0.1c0.7-1.4,2.5-2.8,5.1-2.8c5.5,0,6.5,3.6,6.5,8.3V44z"/></symbol><symbol id="youtube-unauth-icon" viewBox="0 0 64 64"><path d="M46.7,26c0,0-0.3-2.1-1.2-3c-1.1-1.2-2.4-1.2-3-1.3C38.3,21.4,32,21.4,32,21.4h0 c0,0-6.3,0-10.5,0.3c-0.6,0.1-1.9,0.1-3,1.3c-0.9,0.9-1.2,3-1.2,3S17,28.4,17,30.9v2.3c0,2.4,0.3,4.9,0.3,4.9s0.3,2.1,1.2,3 c1.1,1.2,2.6,1.2,3.3,1.3c2.4,0.2,10.2,0.3,10.2,0.3s6.3,0,10.5-0.3c0.6-0.1,1.9-0.1,3-1.3c0.9-0.9,1.2-3,1.2-3s0.3-2.4,0.3-4.9 v-2.3C47,28.4,46.7,26,46.7,26z M28.9,35.9l0-8.4l8.1,4.2L28.9,35.9z"/></symbol><symbol id="youtube-unauth-mask" viewBox="0 0 64 64"><path d="M0,0v64h64V0H0z M47,33.1c0,2.4-0.3,4.9-0.3,4.9s-0.3,2.1-1.2,3c-1.1,1.2-2.4,1.2-3,1.3 C38.3,42.5,32,42.6,32,42.6s-7.8-0.1-10.2-0.3c-0.7-0.1-2.2-0.1-3.3-1.3c-0.9-0.9-1.2-3-1.2-3S17,35.6,17,33.1v-2.3 c0-2.4,0.3-4.9,0.3-4.9s0.3-2.1,1.2-3c1.1-1.2,2.4-1.2,3-1.3c4.2-0.3,10.5-0.3,10.5-0.3h0c0,0,6.3,0,10.5,0.3c0.6,0.1,1.9,0.1,3,1.3 c0.9,0.9,1.2,3,1.2,3s0.3,2.4,0.3,4.9V33.1z M28.9,35.9l8.1-4.2l-8.1-4.2L28.9,35.9z"/></symbol></svg> </body> </html>
