Nobody Files an Exit Interview for Your Money Podcast Sep 24 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-vars"> #block-73043c25f8872809e076 { --opacity: 100%; --translate-x: 0px; --translate-y: 0px; --rotation: 0deg; --scale-x: 100%; --scale-y: 100%; --skew-x: 0deg; --skew-y: 0deg; --origin-x: 50%; --origin-y: 50%; --block-transform: none; opacity: var(--opacity, 1); transform: var(--block-transform); transform-origin: var(--origin-x) var(--origin-y); } </style><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/33e2a52e-9934-40b7-b62a-a251416a938f_940/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/33e2a52e-9934-40b7-b62a-a251416a938f_940/website.components.html.visitor.js"]" data-block-type="1337" data-definition-name="website.components.html" data-sqsp-block="text" data-website-component-id="d6c487a07a3ae350b1fd" id="block-d6c487a07a3ae350b1fd"><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">What if the most irreversible money decisions of your career all arrive in the same two weeks, while you are least able to think about them?</p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true">This is the third and final episode in a series on where good financial habits stop being enough. Today I walk through a job change as the moment the whole balance sheet gets handled at once, on a deadline.</p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true">I start with money I forfeited myself when I left a corporate career to start this firm. Then I walk through the four pieces that have clocks attached. Unvested equity you leave behind. Deferred comp that can pay out all at once. A rollover decision made in the first busy week. And the reachable cash that determines whether a gap between paychecks is manageable.</p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true">This week a single page with four things on it, done before you are anywhere near a decision, so that if the call comes, the deadline only applies to the paperwork.</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-d6c487a07a3ae350b1fd { --stroke-style: none;--stroke-thickness: 6px; } #block-d6c487a07a3ae350b1fd .sqs-html-content { --tweak-text-block-padding: 6% 6% 6% 6%; --tweak-text-block-padding: initial; } #block-d6c487a07a3ae350b1fd { mix-blend-mode: var(--tweak-text-block-blend ); border-radius: var(--tweak-text-block-radius); } #block-d6c487a07a3ae350b1fd { --tweak-text-block-radius: 0px 0px 0px 0px; } #block-d6c487a07a3ae350b1fd { } </style> <style id="override-container-styles"> @media screen 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data-block-type="1337" data-definition-name="website.components.summary" data-sqsp-block="summary" data-website-component-id="320afcaa68945fdfa6ee" id="block-320afcaa68945fdfa6ee"><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/some-money-only-moves-on-the-way-out" class=" summary-thumbnail-container sqs-gallery-image-container " data-title="Some Money Only Moves on the Way Out" data-description="" aria-label="Some Money Only Moves on the Way Out" > <div class="summary-thumbnail img-wrapper" data-animation-role="image"> <!-- Main Image --> <img data-src="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1787583572866-LKLY5UD1N6ASJ0069JXQ/Article+Photo.png" data-image="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1787583572866-LKLY5UD1N6ASJ0069JXQ/Article+Photo.png" data-image-dimensions="1408x768" data-image-focal-point="0.5,0.5" alt="Some Money Only Moves on the Way Out" 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="2026-09-21">September 21, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> <div class="summary-title"> <a href="/blog/some-money-only-moves-on-the-way-out" class="summary-title-link"> Some Money Only Moves on the Way Out </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="2026-09-21">September 21, 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">A job change forces the whole balance sheet to be handled at once, on a deadline, by someone also managing an emotional decision. The pieces that hurt are the ones with clocks attached: unvested equity, deferred comp payouts, and a rushed rollover.</p></div> <a href="/blog/some-money-only-moves-on-the-way-out" class="summary-read-more-link">Read more →</a> <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="2026-09-21">September 21, 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/three-columns-on-one-page" class=" summary-thumbnail-container sqs-gallery-image-container " data-title="Three Columns on One Page" data-description="" aria-label="Three Columns on One Page" > <div class="summary-thumbnail img-wrapper" data-animation-role="image"> <!-- Main Image --> <img data-src="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1787579731991-BSCUZZWKXSU1TIBGT5EP/Article+Photo.png" data-image="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1787579731991-BSCUZZWKXSU1TIBGT5EP/Article+Photo.png" data-image-dimensions="1408x768" data-image-focal-point="0.5,0.5" alt="Three Columns on One Page" 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="2026-09-14">September 14, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> <div class="summary-title"> <a href="/blog/three-columns-on-one-page" class="summary-title-link"> Three Columns on One Page </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="2026-09-14">September 14, 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">The habit that builds wealth and the structure that holds it are different skills. Twenty years of automatic saving produced a large number and a lopsided shape because the shape was determined by which account had a payroll deduction attached to it.</p></div> <a href="/blog/three-columns-on-one-page" class="summary-read-more-link">Read more →</a> <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="2026-09-14">September 14, 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/one-line-on-your-vest-statement" class=" summary-thumbnail-container sqs-gallery-image-container " data-title="One Line on Your Vest Statement" data-description="" aria-label="One Line on Your Vest Statement" > <div class="summary-thumbnail img-wrapper" data-animation-role="image"> <!-- Main Image --> <img data-src="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1787579043128-983T9MCH67IVRUXC1Z4J/Article+Photo.png" data-image="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1787579043128-983T9MCH67IVRUXC1Z4J/Article+Photo.png" data-image-dimensions="1408x768" data-image-focal-point="0.5,0.5" alt="One Line on Your Vest Statement" 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="2026-09-07">September 7, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> <div class="summary-title"> <a href="/blog/one-line-on-your-vest-statement" class="summary-title-link"> One Line on Your Vest Statement </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="2026-09-07">September 7, 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">Patience answers how long you hold something. It says nothing about how much of it you own. With vesting equity, holding is not standing still; it is adding to the same position every quarter.</p></div> <a href="/blog/one-line-on-your-vest-statement" class="summary-read-more-link">Read more →</a> <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="2026-09-07">September 7, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> </div> </div> </div> </div> </div> <style> #block-320afcaa68945fdfa6ee { --summary-title-font-size: 20px; --summary-excerpt-font-size: 14px; --summary-text-align: left; --summary-list-image-float: left; --summary-list-thumbnail-padding-left: 0; --summary-list-thumbnail-padding-right: 20px; --summary-list-qv-padding-left: 0; --summary-list-qv-padding-right: 20px; --summary-list-product-mark-left: 0; --summary-list-product-mark-right: auto; --summary-meta-above-display: none; --summary-meta-below-title-display: none; --summary-meta-below-content-display: block; --summary-show-title: block; --summary-show-thumbnail: block; --summary-show-excerpt: block; --summary-show-excerpt-clamped: -webkit-box; --summary-content-spacing: 10px; --summary-show-price: block; --summary-show-read-more-link: none; } </style> <style id="container-styles">#block-320afcaa68945fdfa6ee { --stroke-style: none;--stroke-thickness: 6px; } #block-320afcaa68945fdfa6ee .summary-block-wrapper { --tweak-summary-block-padding: 6% 6% 6% 6%; --tweak-summary-block-padding: initial; } #block-320afcaa68945fdfa6ee { mix-blend-mode: var(--tweak-summary-block-blend); border-radius: var(--tweak-summary-block-radius); } #block-320afcaa68945fdfa6ee { --tweak-summary-block-radius: 0px 0px 0px 0px; } #block-320afcaa68945fdfa6ee { } </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/33e2a52e-9934-40b7-b62a-a251416a938f_940/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/33e2a52e-9934-40b7-b62a-a251416a938f_940/website.components.html.visitor.js"]" data-block-type="1337" data-definition-name="website.components.html" data-sqsp-block="text" data-website-component-id="93b0d20ae2f86f55e0cb" id="block-93b0d20ae2f86f55e0cb"><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">A job change forces the whole balance sheet to be handled at once, on a deadline, by someone also managing an emotional decision. The pieces that hurt are the ones with clocks attached: unvested equity, deferred comp payouts, and a rushed rollover.</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">Before you are near a decision, put four things on one page. Unvested equity and its vest dates, deferred comp and its payout schedule, your 401(k) balance and where it would go, and months of cash you hold outside a retirement account.</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">If I left my job this year, what would I forfeit and what would come due, in numbers I have never actually added up?</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://www.tammacapital.com/podcast/accumulation-was-the-easy-part">Accumulation Was the Easy Part</a></p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true"><a href="https://www.tammacapital.com/blog/what-happens-when-the-gap-is-zero">What Happens When the Gap Is Zero</a> </p></div> <style id="container-styles">#block-93b0d20ae2f86f55e0cb { --stroke-style: none;--stroke-thickness: 6px; } #block-93b0d20ae2f86f55e0cb .sqs-html-content { --tweak-text-block-padding: 6% 6% 6% 6%; --tweak-text-block-padding: initial; } #block-93b0d20ae2f86f55e0cb { mix-blend-mode: var(--tweak-text-block-blend ); border-radius: var(--tweak-text-block-radius); } #block-93b0d20ae2f86f55e0cb { --tweak-text-block-radius: 0px 0px 0px 0px; } #block-93b0d20ae2f86f55e0cb { } </style> <style id="override-container-styles"> @media screen and (max-width: 767px) { #block-93b0d20ae2f86f55e0cb { } } @media screen and (max-width: 767px) { #block-93b0d20ae2f86f55e0cb .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/accumulation-was-the-easy-part" 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">Accumulation Was the Easy Part</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/b91a7b9c-1eec-4a0b-8642-c349857dcb74_718/website.components.socialLinks.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.socialLinks/b91a7b9c-1eec-4a0b-8642-c349857dcb74_718/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/33e2a52e-9934-40b7-b62a-a251416a938f_940/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/33e2a52e-9934-40b7-b62a-a251416a938f_940/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/33e2a52e-9934-40b7-b62a-a251416a938f_940/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/33e2a52e-9934-40b7-b62a-a251416a938f_940/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/6eef1781-e301-40e5-887c-10517991c32d_649/website.components.search.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.search/6eef1781-e301-40e5-887c-10517991c32d_649/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; 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Nobody Files an Exit Interview for Your Money Podcast Sep 24 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-vars"> #block-73043c25f8872809e076 { --opacity: 100%; --translate-x: 0px; --translate-y: 0px; --rotation: 0deg; --scale-x: 100%; --scale-y: 100%; --skew-x: 0deg; --skew-y: 0deg; --origin-x: 50%; --origin-y: 50%; --block-transform: none; opacity: var(--opacity, 1); transform: var(--block-transform); transform-origin: var(--origin-x) var(--origin-y); } </style><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/33e2a52e-9934-40b7-b62a-a251416a938f_940/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/33e2a52e-9934-40b7-b62a-a251416a938f_940/website.components.html.visitor.js"]" data-block-type="1337" data-definition-name="website.components.html" data-sqsp-block="text" data-website-component-id="d6c487a07a3ae350b1fd" id="block-d6c487a07a3ae350b1fd"><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">What if the most irreversible money decisions of your career all arrive in the same two weeks, while you are least able to think about them?</p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true">This is the third and final episode in a series on where good financial habits stop being enough. Today I walk through a job change as the moment the whole balance sheet gets handled at once, on a deadline.</p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true">I start with money I forfeited myself when I left a corporate career to start this firm. Then I walk through the four pieces that have clocks attached. Unvested equity you leave behind. Deferred comp that can pay out all at once. A rollover decision made in the first busy week. And the reachable cash that determines whether a gap between paychecks is manageable.</p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true">This week a single page with four things on it, done before you are anywhere near a decision, so that if the call comes, the deadline only applies to the paperwork.</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-d6c487a07a3ae350b1fd { --stroke-style: none;--stroke-thickness: 6px; } #block-d6c487a07a3ae350b1fd .sqs-html-content { --tweak-text-block-padding: 6% 6% 6% 6%; --tweak-text-block-padding: initial; } #block-d6c487a07a3ae350b1fd { mix-blend-mode: var(--tweak-text-block-blend ); border-radius: var(--tweak-text-block-radius); } #block-d6c487a07a3ae350b1fd { --tweak-text-block-radius: 0px 0px 0px 0px; } #block-d6c487a07a3ae350b1fd { } </style> <style id="override-container-styles"> @media screen and (max-width: 767px) { #block-d6c487a07a3ae350b1fd { } } @media screen and (max-width: 767px) { #block-d6c487a07a3ae350b1fd .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/a2ca8f65-e5d4-41d5-bd0d-a607ff5ade7a_658/website.components.summary.styles.css"]" 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data-block-type="1337" data-definition-name="website.components.summary" data-sqsp-block="summary" data-website-component-id="320afcaa68945fdfa6ee" id="block-320afcaa68945fdfa6ee"><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/some-money-only-moves-on-the-way-out" class=" summary-thumbnail-container sqs-gallery-image-container " data-title="Some Money Only Moves on the Way Out" data-description="" aria-label="Some Money Only Moves on the Way Out" > <div class="summary-thumbnail img-wrapper" data-animation-role="image"> <!-- Main Image --> <img data-src="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1787583572866-LKLY5UD1N6ASJ0069JXQ/Article+Photo.png" data-image="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1787583572866-LKLY5UD1N6ASJ0069JXQ/Article+Photo.png" data-image-dimensions="1408x768" data-image-focal-point="0.5,0.5" alt="Some Money Only Moves on the Way Out" 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="2026-09-21">September 21, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> <div class="summary-title"> <a href="/blog/some-money-only-moves-on-the-way-out" class="summary-title-link"> Some Money Only Moves on the Way Out </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="2026-09-21">September 21, 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">A job change forces the whole balance sheet to be handled at once, on a deadline, by someone also managing an emotional decision. The pieces that hurt are the ones with clocks attached: unvested equity, deferred comp payouts, and a rushed rollover.</p></div> <a href="/blog/some-money-only-moves-on-the-way-out" class="summary-read-more-link">Read more →</a> <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="2026-09-21">September 21, 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/three-columns-on-one-page" class=" summary-thumbnail-container sqs-gallery-image-container " data-title="Three Columns on One Page" data-description="" aria-label="Three Columns on One Page" > <div class="summary-thumbnail img-wrapper" data-animation-role="image"> <!-- Main Image --> <img data-src="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1787579731991-BSCUZZWKXSU1TIBGT5EP/Article+Photo.png" data-image="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1787579731991-BSCUZZWKXSU1TIBGT5EP/Article+Photo.png" data-image-dimensions="1408x768" data-image-focal-point="0.5,0.5" alt="Three Columns on One Page" 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="2026-09-14">September 14, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> <div class="summary-title"> <a href="/blog/three-columns-on-one-page" class="summary-title-link"> Three Columns on One Page </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="2026-09-14">September 14, 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">The habit that builds wealth and the structure that holds it are different skills. Twenty years of automatic saving produced a large number and a lopsided shape because the shape was determined by which account had a payroll deduction attached to it.</p></div> <a href="/blog/three-columns-on-one-page" class="summary-read-more-link">Read more →</a> <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="2026-09-14">September 14, 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/one-line-on-your-vest-statement" class=" summary-thumbnail-container sqs-gallery-image-container " data-title="One Line on Your Vest Statement" data-description="" aria-label="One Line on Your Vest Statement" > <div class="summary-thumbnail img-wrapper" data-animation-role="image"> <!-- Main Image --> <img data-src="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1787579043128-983T9MCH67IVRUXC1Z4J/Article+Photo.png" data-image="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1787579043128-983T9MCH67IVRUXC1Z4J/Article+Photo.png" data-image-dimensions="1408x768" data-image-focal-point="0.5,0.5" alt="One Line on Your Vest Statement" 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="2026-09-07">September 7, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> <div class="summary-title"> <a href="/blog/one-line-on-your-vest-statement" class="summary-title-link"> One Line on Your Vest Statement </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="2026-09-07">September 7, 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">Patience answers how long you hold something. It says nothing about how much of it you own. With vesting equity, holding is not standing still; it is adding to the same position every quarter.</p></div> <a href="/blog/one-line-on-your-vest-statement" class="summary-read-more-link">Read more →</a> <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="2026-09-07">September 7, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> </div> </div> </div> </div> </div> <style> #block-320afcaa68945fdfa6ee { --summary-title-font-size: 20px; --summary-excerpt-font-size: 14px; --summary-text-align: left; --summary-list-image-float: left; --summary-list-thumbnail-padding-left: 0; --summary-list-thumbnail-padding-right: 20px; --summary-list-qv-padding-left: 0; --summary-list-qv-padding-right: 20px; --summary-list-product-mark-left: 0; --summary-list-product-mark-right: auto; --summary-meta-above-display: none; --summary-meta-below-title-display: none; --summary-meta-below-content-display: block; --summary-show-title: block; --summary-show-thumbnail: block; --summary-show-excerpt: block; --summary-show-excerpt-clamped: -webkit-box; --summary-content-spacing: 10px; --summary-show-price: block; --summary-show-read-more-link: none; } </style> <style id="container-styles">#block-320afcaa68945fdfa6ee { --stroke-style: none;--stroke-thickness: 6px; } #block-320afcaa68945fdfa6ee .summary-block-wrapper { --tweak-summary-block-padding: 6% 6% 6% 6%; --tweak-summary-block-padding: initial; } #block-320afcaa68945fdfa6ee { mix-blend-mode: var(--tweak-summary-block-blend); border-radius: var(--tweak-summary-block-radius); } #block-320afcaa68945fdfa6ee { --tweak-summary-block-radius: 0px 0px 0px 0px; } #block-320afcaa68945fdfa6ee { } </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/33e2a52e-9934-40b7-b62a-a251416a938f_940/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/33e2a52e-9934-40b7-b62a-a251416a938f_940/website.components.html.visitor.js"]" data-block-type="1337" data-definition-name="website.components.html" data-sqsp-block="text" data-website-component-id="93b0d20ae2f86f55e0cb" id="block-93b0d20ae2f86f55e0cb"><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">A job change forces the whole balance sheet to be handled at once, on a deadline, by someone also managing an emotional decision. The pieces that hurt are the ones with clocks attached: unvested equity, deferred comp payouts, and a rushed rollover.</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">Before you are near a decision, put four things on one page. Unvested equity and its vest dates, deferred comp and its payout schedule, your 401(k) balance and where it would go, and months of cash you hold outside a retirement account.</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">If I left my job this year, what would I forfeit and what would come due, in numbers I have never actually added up?</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://www.tammacapital.com/podcast/accumulation-was-the-easy-part">Accumulation Was the Easy Part</a></p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true"><a href="https://www.tammacapital.com/blog/what-happens-when-the-gap-is-zero">What Happens When the Gap Is Zero</a> </p></div> <style id="container-styles">#block-93b0d20ae2f86f55e0cb { --stroke-style: none;--stroke-thickness: 6px; } #block-93b0d20ae2f86f55e0cb .sqs-html-content { --tweak-text-block-padding: 6% 6% 6% 6%; --tweak-text-block-padding: initial; } #block-93b0d20ae2f86f55e0cb { mix-blend-mode: var(--tweak-text-block-blend ); border-radius: var(--tweak-text-block-radius); } #block-93b0d20ae2f86f55e0cb { --tweak-text-block-radius: 0px 0px 0px 0px; } #block-93b0d20ae2f86f55e0cb { } </style> <style id="override-container-styles"> @media screen and (max-width: 767px) { #block-93b0d20ae2f86f55e0cb { } } @media screen and (max-width: 767px) { #block-93b0d20ae2f86f55e0cb .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/accumulation-was-the-easy-part" 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">Accumulation Was the Easy Part</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); 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} #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/33e2a52e-9934-40b7-b62a-a251416a938f_940/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/33e2a52e-9934-40b7-b62a-a251416a938f_940/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/33e2a52e-9934-40b7-b62a-a251416a938f_940/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/33e2a52e-9934-40b7-b62a-a251416a938f_940/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%; 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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; 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