The Two Weeks You Can't Plan For Podcast Oct 22 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-d7ad792d66ded0046b3f { --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/d2a1a69c-95e9-4739-b5f8-14c197d4b62d_1004/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/d2a1a69c-95e9-4739-b5f8-14c197d4b62d_1004/website.components.html.visitor.js"]" data-block-type="1337" data-definition-name="website.components.html" data-sqsp-block="text" data-website-component-id="5e3bf07b19eb9f8870c1" id="block-5e3bf07b19eb9f8870c1"><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 would actually happen if, for two weeks, the person who runs your household's money simply couldn't?</p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true">In this episode, I get into the single point of failure almost every dual-income household carries and never sees: one person holds all of it: the logins, the deadlines, the relationships, the whole operating picture.</p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true">It works fine, which is exactly why nobody touches it. A market drop announces itself. This one sends no alert, right up until the moment you need it and it isn't there.</p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true">Create one page your spouse could run the house from. Four things on it, about an hour to build, and the single point of failure becomes two. I walk through exactly what goes on the page, and why capable on a normal Tuesday is not the same as capable under a deadline with no map.</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-5e3bf07b19eb9f8870c1 { --stroke-style: none;--stroke-thickness: 6px; } #block-5e3bf07b19eb9f8870c1 .sqs-html-content { --tweak-text-block-padding: 6% 6% 6% 6%; --tweak-text-block-padding: initial; } #block-5e3bf07b19eb9f8870c1 { mix-blend-mode: var(--tweak-text-block-blend ); border-radius: var(--tweak-text-block-radius); } #block-5e3bf07b19eb9f8870c1 { --tweak-text-block-radius: 0px 0px 0px 0px; } #block-5e3bf07b19eb9f8870c1 { } </style> <style id="override-container-styles"> @media screen and (max-width: 767px) { #block-5e3bf07b19eb9f8870c1 { } } @media screen and (max-width: 767px) { #block-5e3bf07b19eb9f8870c1 .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/cf522e9b-1fe3-48aa-b6b2-c439ff0136a7_722/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="8255ce57eddda008a414" id="block-8255ce57eddda008a414"><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/sixty-percent-of-the-wrong-number" class=" summary-thumbnail-container sqs-gallery-image-container " data-title="Sixty Percent of the Wrong Number" data-description="" aria-label="Sixty Percent of the Wrong Number" > <div class="summary-thumbnail img-wrapper" data-animation-role="image"> <!-- Main Image --> <img data-src="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1788795222692-MESCSKEZLGT4QP6GNJN0/Article+Photo.jpg" data-image="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1788795222692-MESCSKEZLGT4QP6GNJN0/Article+Photo.jpg" data-image-dimensions="1408x768" data-image-focal-point="0.5,0.5" alt="Sixty Percent of the Wrong Number" 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="2026-10-19">October 19, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> <div class="summary-title"> <a href="/blog/sixty-percent-of-the-wrong-number" class="summary-title-link"> Sixty Percent of the Wrong Number </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="2026-10-19">October 19, 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 biggest asset your family owns is the income still ahead of you, and the coverage protecting it is permanent knowledge most high earners have never actually read. Group disability usually covers sixty percent of base only, capped, and often taxed, which can leave a strong income protected at a fraction of what it really is.</p></div> <a href="/blog/sixty-percent-of-the-wrong-number" 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="2026-10-19">October 19, 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-breaks-when-one-spouse-handles-the-money" class=" summary-thumbnail-container sqs-gallery-image-container " data-title="What Breaks When One Spouse Handles the Money" data-description="" aria-label="What Breaks When One Spouse Handles the Money" > <div class="summary-thumbnail img-wrapper" data-animation-role="image"> <!-- Main Image --> <img data-src="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1788200227139-B5ZRSFJWUP7VID8YRH9Q/Article+Photo.jpg" data-image="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1788200227139-B5ZRSFJWUP7VID8YRH9Q/Article+Photo.jpg" data-image-dimensions="1408x768" data-image-focal-point="0.5,0.5" alt="What Breaks When One Spouse Handles the Money" 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="2026-10-12">October 12, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> <div class="summary-title"> <a href="/blog/what-breaks-when-one-spouse-handles-the-money" class="summary-title-link"> What Breaks When One Spouse Handles the Money </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="2026-10-12">October 12, 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 household where one person holds every login, deadline, and account is a single point of failure. It runs perfectly until the stretch it can't, and unlike a market drop, it never sends a warning.</p></div> <a href="/blog/what-breaks-when-one-spouse-handles-the-money" 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="2026-10-12">October 12, 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/start-the-clock-before-you-pick-the-portfolio" class=" summary-thumbnail-container sqs-gallery-image-container " data-title="Start the Clock Before You Pick the Portfolio" data-description="" aria-label="Start the Clock Before You Pick the Portfolio" > <div class="summary-thumbnail img-wrapper" data-animation-role="image"> <!-- Main Image --> <img data-src="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1788193550362-D8HGNXZZVIT2UNTLCKMQ/Article+Photo.jpg" data-image="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1788193550362-D8HGNXZZVIT2UNTLCKMQ/Article+Photo.jpg" data-image-dimensions="1376x768" data-image-focal-point="0.5,0.5" alt="Start the Clock Before You Pick the Portfolio" 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="2026-10-05">October 5, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> <div class="summary-title"> <a href="/blog/start-the-clock-before-you-pick-the-portfolio" class="summary-title-link"> Start the Clock Before You Pick the Portfolio </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="2026-10-05">October 5, 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 years your money spends compounding do more of the work than the rate you earn, and the cost of waiting to start never shows up as a cost. That is exactly why it is so easy to keep waiting.</p></div> <a href="/blog/start-the-clock-before-you-pick-the-portfolio" 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="2026-10-05">October 5, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> </div> </div> </div> </div> </div> <style> #block-8255ce57eddda008a414 { --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-8255ce57eddda008a414 { --stroke-style: none;--stroke-thickness: 6px; } #block-8255ce57eddda008a414 .summary-block-wrapper { --tweak-summary-block-padding: 6% 6% 6% 6%; --tweak-summary-block-padding: initial; } #block-8255ce57eddda008a414 { mix-blend-mode: var(--tweak-summary-block-blend); border-radius: var(--tweak-summary-block-radius); } #block-8255ce57eddda008a414 { --tweak-summary-block-radius: 0px 0px 0px 0px; } #block-8255ce57eddda008a414 { } </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/d2a1a69c-95e9-4739-b5f8-14c197d4b62d_1004/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/d2a1a69c-95e9-4739-b5f8-14c197d4b62d_1004/website.components.html.visitor.js"]" data-block-type="1337" data-definition-name="website.components.html" data-sqsp-block="text" data-website-component-id="9f5e952411416cb754fb" id="block-9f5e952411416cb754fb"><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 household where one person holds every login, deadline, and account is a single point of failure. It runs perfectly until the stretch it can't, and unlike a market drop, it never sends a warning.</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">Run the two-week test. If one of you were underwater for two weeks, could the other keep the money running, not well, just unbroken? The honest answer shows you where the gaps are.</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">What in our financial life exists nowhere except one person's memory?</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/the-one-page-form-most-busy-parents-miss">The One-Page Form Most Busy Parents Miss</a></p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true"><a href="https://www.tammacapital.com/blog/you-have-a-coordination-problem-not-an-investment-problem">You Have a Coordination Problem, Not an Investment Problem</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-9f5e952411416cb754fb { --stroke-style: none;--stroke-thickness: 6px; } #block-9f5e952411416cb754fb .sqs-html-content { --tweak-text-block-padding: 6% 6% 6% 6%; --tweak-text-block-padding: initial; } #block-9f5e952411416cb754fb { mix-blend-mode: var(--tweak-text-block-blend ); border-radius: var(--tweak-text-block-radius); } #block-9f5e952411416cb754fb { --tweak-text-block-radius: 0px 0px 0px 0px; } #block-9f5e952411416cb754fb { } </style> <style id="override-container-styles"> @media screen and (max-width: 767px) { #block-9f5e952411416cb754fb { } } @media screen and (max-width: 767px) { #block-9f5e952411416cb754fb .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/how-two-careers-bury-a-simple-decision" 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">How Two Careers Bury a Simple Decision</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/d146a9ca-7c6b-4390-96ce-1f049c37ac93_782/website.components.socialLinks.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.socialLinks/d146a9ca-7c6b-4390-96ce-1f049c37ac93_782/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/d2a1a69c-95e9-4739-b5f8-14c197d4b62d_1004/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/d2a1a69c-95e9-4739-b5f8-14c197d4b62d_1004/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/d2a1a69c-95e9-4739-b5f8-14c197d4b62d_1004/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/d2a1a69c-95e9-4739-b5f8-14c197d4b62d_1004/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/5b52795d-7c5c-4769-82fa-b1c1f14286b5_713/website.components.search.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.search/5b52795d-7c5c-4769-82fa-b1c1f14286b5_713/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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The Two Weeks You Can't Plan For Podcast Oct 22 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-d7ad792d66ded0046b3f { --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/d2a1a69c-95e9-4739-b5f8-14c197d4b62d_1004/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/d2a1a69c-95e9-4739-b5f8-14c197d4b62d_1004/website.components.html.visitor.js"]" data-block-type="1337" data-definition-name="website.components.html" data-sqsp-block="text" data-website-component-id="5e3bf07b19eb9f8870c1" id="block-5e3bf07b19eb9f8870c1"><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 would actually happen if, for two weeks, the person who runs your household's money simply couldn't?</p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true">In this episode, I get into the single point of failure almost every dual-income household carries and never sees: one person holds all of it: the logins, the deadlines, the relationships, the whole operating picture.</p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true">It works fine, which is exactly why nobody touches it. A market drop announces itself. This one sends no alert, right up until the moment you need it and it isn't there.</p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true">Create one page your spouse could run the house from. Four things on it, about an hour to build, and the single point of failure becomes two. I walk through exactly what goes on the page, and why capable on a normal Tuesday is not the same as capable under a deadline with no map.</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-5e3bf07b19eb9f8870c1 { --stroke-style: none;--stroke-thickness: 6px; } #block-5e3bf07b19eb9f8870c1 .sqs-html-content { --tweak-text-block-padding: 6% 6% 6% 6%; --tweak-text-block-padding: initial; } #block-5e3bf07b19eb9f8870c1 { mix-blend-mode: var(--tweak-text-block-blend ); border-radius: var(--tweak-text-block-radius); } #block-5e3bf07b19eb9f8870c1 { --tweak-text-block-radius: 0px 0px 0px 0px; } #block-5e3bf07b19eb9f8870c1 { } </style> <style id="override-container-styles"> @media screen and (max-width: 767px) { #block-5e3bf07b19eb9f8870c1 { } } @media screen and (max-width: 767px) { #block-5e3bf07b19eb9f8870c1 .sqs-html-content { } } @media screen and (max-width: 767px) { }</style> 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data-block-type="1337" data-definition-name="website.components.summary" data-sqsp-block="summary" data-website-component-id="8255ce57eddda008a414" id="block-8255ce57eddda008a414"><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/sixty-percent-of-the-wrong-number" class=" summary-thumbnail-container sqs-gallery-image-container " data-title="Sixty Percent of the Wrong Number" data-description="" aria-label="Sixty Percent of the Wrong Number" > <div class="summary-thumbnail img-wrapper" data-animation-role="image"> <!-- Main Image --> <img data-src="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1788795222692-MESCSKEZLGT4QP6GNJN0/Article+Photo.jpg" data-image="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1788795222692-MESCSKEZLGT4QP6GNJN0/Article+Photo.jpg" data-image-dimensions="1408x768" data-image-focal-point="0.5,0.5" alt="Sixty Percent of the Wrong Number" 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="2026-10-19">October 19, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> <div class="summary-title"> <a href="/blog/sixty-percent-of-the-wrong-number" class="summary-title-link"> Sixty Percent of the Wrong Number </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="2026-10-19">October 19, 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 biggest asset your family owns is the income still ahead of you, and the coverage protecting it is permanent knowledge most high earners have never actually read. Group disability usually covers sixty percent of base only, capped, and often taxed, which can leave a strong income protected at a fraction of what it really is.</p></div> <a href="/blog/sixty-percent-of-the-wrong-number" 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="2026-10-19">October 19, 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-breaks-when-one-spouse-handles-the-money" class=" summary-thumbnail-container sqs-gallery-image-container " data-title="What Breaks When One Spouse Handles the Money" data-description="" aria-label="What Breaks When One Spouse Handles the Money" > <div class="summary-thumbnail img-wrapper" data-animation-role="image"> <!-- Main Image --> <img data-src="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1788200227139-B5ZRSFJWUP7VID8YRH9Q/Article+Photo.jpg" data-image="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1788200227139-B5ZRSFJWUP7VID8YRH9Q/Article+Photo.jpg" data-image-dimensions="1408x768" data-image-focal-point="0.5,0.5" alt="What Breaks When One Spouse Handles the Money" 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="2026-10-12">October 12, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> <div class="summary-title"> <a href="/blog/what-breaks-when-one-spouse-handles-the-money" class="summary-title-link"> What Breaks When One Spouse Handles the Money </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="2026-10-12">October 12, 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 household where one person holds every login, deadline, and account is a single point of failure. It runs perfectly until the stretch it can't, and unlike a market drop, it never sends a warning.</p></div> <a href="/blog/what-breaks-when-one-spouse-handles-the-money" 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="2026-10-12">October 12, 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/start-the-clock-before-you-pick-the-portfolio" class=" summary-thumbnail-container sqs-gallery-image-container " data-title="Start the Clock Before You Pick the Portfolio" data-description="" aria-label="Start the Clock Before You Pick the Portfolio" > <div class="summary-thumbnail img-wrapper" data-animation-role="image"> <!-- Main Image --> <img data-src="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1788193550362-D8HGNXZZVIT2UNTLCKMQ/Article+Photo.jpg" data-image="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1788193550362-D8HGNXZZVIT2UNTLCKMQ/Article+Photo.jpg" data-image-dimensions="1376x768" data-image-focal-point="0.5,0.5" alt="Start the Clock Before You Pick the Portfolio" 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="2026-10-05">October 5, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> <div class="summary-title"> <a href="/blog/start-the-clock-before-you-pick-the-portfolio" class="summary-title-link"> Start the Clock Before You Pick the Portfolio </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="2026-10-05">October 5, 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 years your money spends compounding do more of the work than the rate you earn, and the cost of waiting to start never shows up as a cost. That is exactly why it is so easy to keep waiting.</p></div> <a href="/blog/start-the-clock-before-you-pick-the-portfolio" 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="2026-10-05">October 5, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> </div> </div> </div> </div> </div> <style> #block-8255ce57eddda008a414 { --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-8255ce57eddda008a414 { --stroke-style: none;--stroke-thickness: 6px; } #block-8255ce57eddda008a414 .summary-block-wrapper { --tweak-summary-block-padding: 6% 6% 6% 6%; --tweak-summary-block-padding: initial; } #block-8255ce57eddda008a414 { mix-blend-mode: var(--tweak-summary-block-blend); border-radius: var(--tweak-summary-block-radius); } #block-8255ce57eddda008a414 { --tweak-summary-block-radius: 0px 0px 0px 0px; } #block-8255ce57eddda008a414 { } </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/d2a1a69c-95e9-4739-b5f8-14c197d4b62d_1004/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/d2a1a69c-95e9-4739-b5f8-14c197d4b62d_1004/website.components.html.visitor.js"]" data-block-type="1337" data-definition-name="website.components.html" data-sqsp-block="text" data-website-component-id="9f5e952411416cb754fb" id="block-9f5e952411416cb754fb"><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 household where one person holds every login, deadline, and account is a single point of failure. It runs perfectly until the stretch it can't, and unlike a market drop, it never sends a warning.</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">Run the two-week test. If one of you were underwater for two weeks, could the other keep the money running, not well, just unbroken? The honest answer shows you where the gaps are.</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">What in our financial life exists nowhere except one person's memory?</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/the-one-page-form-most-busy-parents-miss">The One-Page Form Most Busy Parents Miss</a></p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true"><a href="https://www.tammacapital.com/blog/you-have-a-coordination-problem-not-an-investment-problem">You Have a Coordination Problem, Not an Investment Problem</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-9f5e952411416cb754fb { --stroke-style: none;--stroke-thickness: 6px; } #block-9f5e952411416cb754fb .sqs-html-content { --tweak-text-block-padding: 6% 6% 6% 6%; --tweak-text-block-padding: initial; } #block-9f5e952411416cb754fb { mix-blend-mode: var(--tweak-text-block-blend ); border-radius: var(--tweak-text-block-radius); } #block-9f5e952411416cb754fb { --tweak-text-block-radius: 0px 0px 0px 0px; } #block-9f5e952411416cb754fb { } </style> <style id="override-container-styles"> @media screen and (max-width: 767px) { #block-9f5e952411416cb754fb { } } @media screen and (max-width: 767px) { #block-9f5e952411416cb754fb .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/how-two-careers-bury-a-simple-decision" 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">How Two Careers Bury a Simple Decision</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/d2a1a69c-95e9-4739-b5f8-14c197d4b62d_1004/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/d2a1a69c-95e9-4739-b5f8-14c197d4b62d_1004/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/d2a1a69c-95e9-4739-b5f8-14c197d4b62d_1004/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/d2a1a69c-95e9-4739-b5f8-14c197d4b62d_1004/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/5b52795d-7c5c-4769-82fa-b1c1f14286b5_713/website.components.search.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.search/5b52795d-7c5c-4769-82fa-b1c1f14286b5_713/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; 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