The Version of You, Your Money Is Still Working For Podcast Jul 16 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-8effd27306cd1c119e05 { --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/82186a80-80ad-4d1e-922d-f919deb9b6e8_768/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/82186a80-80ad-4d1e-922d-f919deb9b6e8_768/website.components.html.visitor.js"]" data-block-type="1337" data-definition-name="website.components.html" data-sqsp-block="text" data-website-component-id="52a4c868be6b79ab7ddb" id="block-52a4c868be6b79ab7ddb"><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">When was the last time you actually updated your financial life to match the person you've become, instead of the person you were when you first set everything up?</p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true">This week, I break down two questions about disagreement and experience and turn them inward. I share the story of a senior director whose retirement contribution rate, cash reserve target, and investment allocation were all set for a version of her that hadn't existed in over a decade. And I share what 13 years of moving taught me about how my 30-year-old instincts still fire in a life that no longer needs them.</p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true">Try this in the next week: pick one financial habit you've held for more than five years. Ask when you formed it, what's changed in your life since, and whether the habit has actually changed too. Most people find at least two updates waiting.</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-52a4c868be6b79ab7ddb { --stroke-style: none;--stroke-thickness: 6px; --tweak-text-block-background-color: initial; } #block-52a4c868be6b79ab7ddb .sqs-html-content { --tweak-text-block-padding: 6% 6% 6% 6%; --tweak-text-block-padding: initial; } #block-52a4c868be6b79ab7ddb { mix-blend-mode: var(--tweak-text-block-blend ); border-radius: var(--tweak-text-block-radius); } #block-52a4c868be6b79ab7ddb { --tweak-text-block-radius: 0px 0px 0px 0px; } #block-52a4c868be6b79ab7ddb { } </style> <style id="override-container-styles"> @media screen and (max-width: 767px) { #block-52a4c868be6b79ab7ddb { } } @media screen and (max-width: 767px) { #block-52a4c868be6b79ab7ddb .sqs-html-content { } } @media screen and (max-width: 767px) { }</style> <style class="transform-overrides-vars"> 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data-block-type="1337" data-definition-name="website.components.summary" data-sqsp-block="summary" data-website-component-id="2611962cf03ff7d6bb7b" id="block-2611962cf03ff7d6bb7b"><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/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 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/your-financial-plan-is-describing-a-life-you-dont-live" class=" summary-thumbnail-container sqs-gallery-image-container " data-title="Your Financial Plan Is Describing a Life You Don't Live" data-description="" aria-label="Your Financial Plan Is Describing a Life You Don't Live" > <div class="summary-thumbnail img-wrapper" data-animation-role="image"> <!-- Main Image --> <img data-src="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1782156410542-972O1ZPDIRKU9SC16UQN/Article+Photo.png" data-image="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1782156410542-972O1ZPDIRKU9SC16UQN/Article+Photo.png" data-image-dimensions="1408x768" data-image-focal-point="0.5,0.5" alt="Your Financial Plan Is Describing a Life You Don't Live" 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="2026-06-22">June 22, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> <div class="summary-title"> <a href="/blog/your-financial-plan-is-describing-a-life-you-dont-live" class="summary-title-link"> Your Financial Plan Is Describing a Life You Don't Live </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="2026-06-22">June 22, 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">Long-term plans are not failures when they need to be revised. They are doing exactly what they are supposed to do. The question is not whether your plan will need to change, but whether anyone is on flexibility duty when it does.</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="2026-06-22">June 22, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> </div> </div> </div> </div> </div> <style>.fe-block-2611962cf03ff7d6bb7b {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/82186a80-80ad-4d1e-922d-f919deb9b6e8_768/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/82186a80-80ad-4d1e-922d-f919deb9b6e8_768/website.components.html.visitor.js"]" data-block-type="1337" data-definition-name="website.components.html" data-sqsp-block="text" data-website-component-id="3369f6e28019b3e73f7e" id="block-3369f6e28019b3e73f7e"><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">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></li></ul><h4 style="white-space:pre-wrap;" data-rte-preserve-empty="true">1 Way You Can Apply This</h4><ul data-rte-list="default"><li><p class="" style="white-space:pre-wrap;" data-rte-preserve-empty="true">Pick one financial habit you've held for more than five years. Ask when you formed it, what's changed in your life since, and whether the habit itself has actually changed too.</p></li></ul><h4 style="white-space:pre-wrap;" data-rte-preserve-empty="true">1 Question to Ask</h4><ul data-rte-list="default"><li><p class="" style="white-space:pre-wrap;" data-rte-preserve-empty="true">If the 32-year-old version of me sat down across from the version of me sitting here today, would they recognize the life I'm actually living?</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/ep235-paul-fenner-the-questions-we-forget-to-ask-ourselves">The Questions We Forget to Ask Ourselves</a></p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true"><a href="https://www.tammacapital.com/podcast/ep236-paul-fenner-the-story-that-spent-your-money">The Story That Spent Your Money</a></p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true"><a href="https://www.tammacapital.com/podcast/ep237-paul-fenner-the-scoreboard-we-never-chose">The Scoreboard We Never Chose</a></p></div> <style id="container-styles">#block-3369f6e28019b3e73f7e { --stroke-style: none;--stroke-thickness: 6px; } #block-3369f6e28019b3e73f7e .sqs-html-content { --tweak-text-block-padding: 6% 6% 6% 6%; --tweak-text-block-padding: initial; } #block-3369f6e28019b3e73f7e { mix-blend-mode: var(--tweak-text-block-blend ); border-radius: var(--tweak-text-block-radius); } #block-3369f6e28019b3e73f7e { --tweak-text-block-radius: 0px 0px 0px 0px; } #block-3369f6e28019b3e73f7e { } </style> <style id="override-container-styles"> @media screen and (max-width: 767px) { #block-3369f6e28019b3e73f7e { } } @media screen and (max-width: 767px) { #block-3369f6e28019b3e73f7e .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/your-paycheck-is-not-your-safety-net" 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">Your Paycheck is Not Your Safety Net</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/b371f766-ee87-4c84-aa9d-6d9785b180ee_546/website.components.socialLinks.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.socialLinks/b371f766-ee87-4c84-aa9d-6d9785b180ee_546/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/82186a80-80ad-4d1e-922d-f919deb9b6e8_768/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/82186a80-80ad-4d1e-922d-f919deb9b6e8_768/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/82186a80-80ad-4d1e-922d-f919deb9b6e8_768/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/82186a80-80ad-4d1e-922d-f919deb9b6e8_768/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/a93da14e-6bf4-4bc7-8d14-d6a4c61eccd0_477/website.components.search.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.search/a93da14e-6bf4-4bc7-8d14-d6a4c61eccd0_477/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 Version of You, Your Money Is Still Working For Podcast Jul 16 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-8effd27306cd1c119e05 { --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/82186a80-80ad-4d1e-922d-f919deb9b6e8_768/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/82186a80-80ad-4d1e-922d-f919deb9b6e8_768/website.components.html.visitor.js"]" data-block-type="1337" data-definition-name="website.components.html" data-sqsp-block="text" data-website-component-id="52a4c868be6b79ab7ddb" id="block-52a4c868be6b79ab7ddb"><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">When was the last time you actually updated your financial life to match the person you've become, instead of the person you were when you first set everything up?</p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true">This week, I break down two questions about disagreement and experience and turn them inward. I share the story of a senior director whose retirement contribution rate, cash reserve target, and investment allocation were all set for a version of her that hadn't existed in over a decade. And I share what 13 years of moving taught me about how my 30-year-old instincts still fire in a life that no longer needs them.</p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true">Try this in the next week: pick one financial habit you've held for more than five years. Ask when you formed it, what's changed in your life since, and whether the habit has actually changed too. Most people find at least two updates waiting.</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-52a4c868be6b79ab7ddb { --stroke-style: none;--stroke-thickness: 6px; --tweak-text-block-background-color: initial; } #block-52a4c868be6b79ab7ddb .sqs-html-content { --tweak-text-block-padding: 6% 6% 6% 6%; --tweak-text-block-padding: initial; } #block-52a4c868be6b79ab7ddb { mix-blend-mode: var(--tweak-text-block-blend ); border-radius: var(--tweak-text-block-radius); } #block-52a4c868be6b79ab7ddb { --tweak-text-block-radius: 0px 0px 0px 0px; } #block-52a4c868be6b79ab7ddb { } </style> <style id="override-container-styles"> @media screen and (max-width: 767px) { #block-52a4c868be6b79ab7ddb { } } @media screen and (max-width: 767px) { #block-52a4c868be6b79ab7ddb .sqs-html-content { } } @media screen and (max-width: 767px) { }</style> <style class="transform-overrides-vars"> 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data-block-type="1337" data-definition-name="website.components.summary" data-sqsp-block="summary" data-website-component-id="2611962cf03ff7d6bb7b" id="block-2611962cf03ff7d6bb7b"><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 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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 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/your-financial-plan-is-describing-a-life-you-dont-live" class=" summary-thumbnail-container sqs-gallery-image-container " data-title="Your Financial Plan Is Describing a Life You Don't Live" data-description="" aria-label="Your Financial Plan Is Describing a Life You Don't Live" > <div class="summary-thumbnail img-wrapper" data-animation-role="image"> <!-- Main Image --> <img data-src="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1782156410542-972O1ZPDIRKU9SC16UQN/Article+Photo.png" data-image="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1782156410542-972O1ZPDIRKU9SC16UQN/Article+Photo.png" data-image-dimensions="1408x768" data-image-focal-point="0.5,0.5" alt="Your Financial Plan Is Describing a Life You Don't Live" 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="2026-06-22">June 22, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> <div class="summary-title"> <a href="/blog/your-financial-plan-is-describing-a-life-you-dont-live" class="summary-title-link"> Your Financial Plan Is Describing a Life You Don't Live </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="2026-06-22">June 22, 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">Long-term plans are not failures when they need to be revised. They are doing exactly what they are supposed to do. The question is not whether your plan will need to change, but whether anyone is on flexibility duty when it does.</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="2026-06-22">June 22, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> </div> </div> </div> </div> </div> <style>.fe-block-2611962cf03ff7d6bb7b {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/82186a80-80ad-4d1e-922d-f919deb9b6e8_768/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/82186a80-80ad-4d1e-922d-f919deb9b6e8_768/website.components.html.visitor.js"]" data-block-type="1337" data-definition-name="website.components.html" data-sqsp-block="text" data-website-component-id="3369f6e28019b3e73f7e" id="block-3369f6e28019b3e73f7e"><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">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></li></ul><h4 style="white-space:pre-wrap;" data-rte-preserve-empty="true">1 Way You Can Apply This</h4><ul data-rte-list="default"><li><p class="" style="white-space:pre-wrap;" data-rte-preserve-empty="true">Pick one financial habit you've held for more than five years. Ask when you formed it, what's changed in your life since, and whether the habit itself has actually changed too.</p></li></ul><h4 style="white-space:pre-wrap;" data-rte-preserve-empty="true">1 Question to Ask</h4><ul data-rte-list="default"><li><p class="" style="white-space:pre-wrap;" data-rte-preserve-empty="true">If the 32-year-old version of me sat down across from the version of me sitting here today, would they recognize the life I'm actually living?</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/ep235-paul-fenner-the-questions-we-forget-to-ask-ourselves">The Questions We Forget to Ask Ourselves</a></p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true"><a href="https://www.tammacapital.com/podcast/ep236-paul-fenner-the-story-that-spent-your-money">The Story That Spent Your Money</a></p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true"><a href="https://www.tammacapital.com/podcast/ep237-paul-fenner-the-scoreboard-we-never-chose">The Scoreboard We Never Chose</a></p></div> <style id="container-styles">#block-3369f6e28019b3e73f7e { --stroke-style: none;--stroke-thickness: 6px; } #block-3369f6e28019b3e73f7e .sqs-html-content { --tweak-text-block-padding: 6% 6% 6% 6%; --tweak-text-block-padding: initial; } #block-3369f6e28019b3e73f7e { mix-blend-mode: var(--tweak-text-block-blend ); border-radius: var(--tweak-text-block-radius); } #block-3369f6e28019b3e73f7e { --tweak-text-block-radius: 0px 0px 0px 0px; } #block-3369f6e28019b3e73f7e { } </style> <style id="override-container-styles"> @media screen and (max-width: 767px) { #block-3369f6e28019b3e73f7e { } } @media screen and (max-width: 767px) { #block-3369f6e28019b3e73f7e .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/your-paycheck-is-not-your-safety-net" 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">Your Paycheck is Not Your Safety Net</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/82186a80-80ad-4d1e-922d-f919deb9b6e8_768/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/82186a80-80ad-4d1e-922d-f919deb9b6e8_768/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/82186a80-80ad-4d1e-922d-f919deb9b6e8_768/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/82186a80-80ad-4d1e-922d-f919deb9b6e8_768/website.components.html.visitor.js"]" data-block-type="1337" data-definition-name="website.components.html" data-sqsp-block="text" data-website-component-id="dc7d0abe6d72615dafa0" id="block-dc7d0abe6d72615dafa0"><div class="sqs-block-content"><div class="sqs-text-block-container"> <div class="sqs-html-content" data-sqsp-text-block-content><p class="sqsrte-small" data-rte-preserve-empty="true" style="white-space:pre-wrap;"></p><p style="text-align:right;white-space:pre-wrap;" class="sqsrte-small" data-rte-preserve-empty="true"></p><p style="text-align:right;white-space:pre-wrap;" class="sqsrte-small"><a href="/s/TAMMA-Form-ADV-Part-2A_11-01-2017.pdf" target="_blank">ADV</a></p><p style="text-align:right;white-space:pre-wrap;" class="sqsrte-small"><a href="/privacy-policy" target="_blank">Privacy Policy</a></p><p style="text-align:right;white-space:pre-wrap;" class="sqsrte-small"><a href="/terms-of-service">Terms of Service</a></p></div> <style id="container-styles">#block-dc7d0abe6d72615dafa0 { } #block-dc7d0abe6d72615dafa0 .sqs-html-content { --tweak-text-block-padding: 6% 6% 6% 6%; 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