The Principles Are Simple. Your Life Isn't Podcast Jul 23 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-0bbed8a19e629cd41e14 { --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/a9032d95-ba0b-473e-a531-82cdd71f9f84_789/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/a9032d95-ba0b-473e-a531-82cdd71f9f84_789/website.components.html.visitor.js"]" data-block-type="1337" data-definition-name="website.components.html" data-sqsp-block="text" data-website-component-id="bfa1d1e9e4141f0ac4cc" id="block-bfa1d1e9e4141f0ac4cc"><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 you already know the financial principles you need? What if the problem isn't strategy, but execution across a life that's grown too complicated to coordinate yourself?</p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true">This week, I work through a Morgan Housel idea pulled from a John Reed book. Most fields or industries have three to twelve core principles, with the rest focused on implementation.</p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true">In finance, the principles are stable. Your life is not. I share a story about a dual-income family with three kids and six accounts spread across three custodians, where nobody was actually steering the ship. And a personal story about how long it takes to act on principles you already know.</p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true">The action this week is small. Write down the five to eight financial principles you actually live by. Audit your decisions over the last six months against them. The gaps aren't a strategy problem. They're an application problem.</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-bfa1d1e9e4141f0ac4cc { --stroke-style: none;--stroke-thickness: 6px; --tweak-text-block-background-color: initial; } #block-bfa1d1e9e4141f0ac4cc .sqs-html-content { --tweak-text-block-padding: 6% 6% 6% 6%; --tweak-text-block-padding: initial; } #block-bfa1d1e9e4141f0ac4cc { mix-blend-mode: var(--tweak-text-block-blend ); border-radius: var(--tweak-text-block-radius); } #block-bfa1d1e9e4141f0ac4cc { --tweak-text-block-radius: 0px 0px 0px 0px; } #block-bfa1d1e9e4141f0ac4cc { } </style> <style id="override-container-styles"> @media screen and (max-width: 767px) { #block-bfa1d1e9e4141f0ac4cc { } } @media screen and (max-width: 767px) { #block-bfa1d1e9e4141f0ac4cc .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/b5504c4e-922b-499e-a246-e30cd6687e8f_507/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="f675ed89fb3a2a3b2b60" id="block-f675ed89fb3a2a3b2b60"><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-f675ed89fb3a2a3b2b60 {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/a9032d95-ba0b-473e-a531-82cdd71f9f84_789/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/a9032d95-ba0b-473e-a531-82cdd71f9f84_789/website.components.html.visitor.js"]" data-block-type="1337" data-definition-name="website.components.html" data-sqsp-block="text" data-website-component-id="2e6b4421095084495faa" id="block-2e6b4421095084495faa"><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 principles you need are stable and few. What changes is your life's surface area. Most senior professionals don't need new principles. They need somebody applying the ones they already believe in across every account.</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">Write down the five to eight financial principles you actually live by. Then audit your decisions over the last 6 months: the bonus allocation, the 401(k) contribution, the car, and the school choice. Match each decision to a principle. Where you can't, that's the gap.</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">When was the last time one of your financial decisions was tested against your stated principles, rather than made under deadline?</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/blog/how-a-financial-planner-can-help-you">How a Financial Planner Can Help You</a> </p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true"><a href="https://www.tammacapital.com/blog/aligning-personal-interests-with-financial-objectives-a-five-step-guide-to-effective-wealth-planning">Aligning Personal Interests with Financial Objectives: A Five-Step Guide to Effective Wealth Planning</a> </p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true"><a href="https://www.tammacapital.com/blog/spring-clean-your-finances-5-ways-how-to-get-organized">Spring Clean Your Finances; 5 Ways to Get Financially Organized</a> </p></div> <style id="container-styles">#block-2e6b4421095084495faa { --stroke-style: none;--stroke-thickness: 6px; } #block-2e6b4421095084495faa .sqs-html-content { --tweak-text-block-padding: 6% 6% 6% 6%; --tweak-text-block-padding: initial; } #block-2e6b4421095084495faa { mix-blend-mode: var(--tweak-text-block-blend ); border-radius: var(--tweak-text-block-radius); } #block-2e6b4421095084495faa { --tweak-text-block-radius: 0px 0px 0px 0px; } #block-2e6b4421095084495faa { } </style> <style id="override-container-styles"> @media screen and (max-width: 767px) { #block-2e6b4421095084495faa { } } @media screen and (max-width: 767px) { #block-2e6b4421095084495faa .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/the-version-of-you-your-money-is-still-working-for" 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">The Version of You, Your Money Is Still Working For</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/1a3f4877-fc82-465f-a409-8cfcec3ba9a4_567/website.components.socialLinks.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.socialLinks/1a3f4877-fc82-465f-a409-8cfcec3ba9a4_567/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 { --tweak-social-links-block-background-color: initial; } #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/a9032d95-ba0b-473e-a531-82cdd71f9f84_789/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/a9032d95-ba0b-473e-a531-82cdd71f9f84_789/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/a9032d95-ba0b-473e-a531-82cdd71f9f84_789/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/a9032d95-ba0b-473e-a531-82cdd71f9f84_789/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/8df14c7f-4483-44b5-9bae-fdc966a051fb_498/website.components.search.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.search/8df14c7f-4483-44b5-9bae-fdc966a051fb_498/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'); 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The Principles Are Simple. Your Life Isn't Podcast Jul 23 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-0bbed8a19e629cd41e14 { --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/a9032d95-ba0b-473e-a531-82cdd71f9f84_789/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/a9032d95-ba0b-473e-a531-82cdd71f9f84_789/website.components.html.visitor.js"]" data-block-type="1337" data-definition-name="website.components.html" data-sqsp-block="text" data-website-component-id="bfa1d1e9e4141f0ac4cc" id="block-bfa1d1e9e4141f0ac4cc"><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 you already know the financial principles you need? What if the problem isn't strategy, but execution across a life that's grown too complicated to coordinate yourself?</p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true">This week, I work through a Morgan Housel idea pulled from a John Reed book. Most fields or industries have three to twelve core principles, with the rest focused on implementation.</p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true">In finance, the principles are stable. Your life is not. I share a story about a dual-income family with three kids and six accounts spread across three custodians, where nobody was actually steering the ship. And a personal story about how long it takes to act on principles you already know.</p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true">The action this week is small. Write down the five to eight financial principles you actually live by. Audit your decisions over the last six months against them. The gaps aren't a strategy problem. They're an application problem.</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-bfa1d1e9e4141f0ac4cc { --stroke-style: none;--stroke-thickness: 6px; --tweak-text-block-background-color: initial; } #block-bfa1d1e9e4141f0ac4cc .sqs-html-content { --tweak-text-block-padding: 6% 6% 6% 6%; --tweak-text-block-padding: initial; } #block-bfa1d1e9e4141f0ac4cc { mix-blend-mode: var(--tweak-text-block-blend ); border-radius: var(--tweak-text-block-radius); } #block-bfa1d1e9e4141f0ac4cc { --tweak-text-block-radius: 0px 0px 0px 0px; } #block-bfa1d1e9e4141f0ac4cc { } </style> <style id="override-container-styles"> @media screen and (max-width: 767px) { #block-bfa1d1e9e4141f0ac4cc { } } @media screen and (max-width: 767px) { #block-bfa1d1e9e4141f0ac4cc .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/b5504c4e-922b-499e-a246-e30cd6687e8f_507/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="f675ed89fb3a2a3b2b60" id="block-f675ed89fb3a2a3b2b60"><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-f675ed89fb3a2a3b2b60 {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/a9032d95-ba0b-473e-a531-82cdd71f9f84_789/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/a9032d95-ba0b-473e-a531-82cdd71f9f84_789/website.components.html.visitor.js"]" data-block-type="1337" data-definition-name="website.components.html" data-sqsp-block="text" data-website-component-id="2e6b4421095084495faa" id="block-2e6b4421095084495faa"><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 principles you need are stable and few. What changes is your life's surface area. Most senior professionals don't need new principles. They need somebody applying the ones they already believe in across every account.</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">Write down the five to eight financial principles you actually live by. Then audit your decisions over the last 6 months: the bonus allocation, the 401(k) contribution, the car, and the school choice. Match each decision to a principle. Where you can't, that's the gap.</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">When was the last time one of your financial decisions was tested against your stated principles, rather than made under deadline?</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/blog/how-a-financial-planner-can-help-you">How a Financial Planner Can Help You</a> </p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true"><a href="https://www.tammacapital.com/blog/aligning-personal-interests-with-financial-objectives-a-five-step-guide-to-effective-wealth-planning">Aligning Personal Interests with Financial Objectives: A Five-Step Guide to Effective Wealth Planning</a> </p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true"><a href="https://www.tammacapital.com/blog/spring-clean-your-finances-5-ways-how-to-get-organized">Spring Clean Your Finances; 5 Ways to Get Financially Organized</a> </p></div> <style id="container-styles">#block-2e6b4421095084495faa { --stroke-style: none;--stroke-thickness: 6px; } #block-2e6b4421095084495faa .sqs-html-content { --tweak-text-block-padding: 6% 6% 6% 6%; --tweak-text-block-padding: initial; } #block-2e6b4421095084495faa { mix-blend-mode: var(--tweak-text-block-blend ); border-radius: var(--tweak-text-block-radius); } #block-2e6b4421095084495faa { --tweak-text-block-radius: 0px 0px 0px 0px; } #block-2e6b4421095084495faa { } </style> <style id="override-container-styles"> @media screen and (max-width: 767px) { #block-2e6b4421095084495faa { } } @media screen and (max-width: 767px) { #block-2e6b4421095084495faa .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/the-version-of-you-your-money-is-still-working-for" 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">The Version of You, Your Money Is Still Working For</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 { --tweak-social-links-block-background-color: initial; } #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/a9032d95-ba0b-473e-a531-82cdd71f9f84_789/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/a9032d95-ba0b-473e-a531-82cdd71f9f84_789/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%; 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