Emotional Balance Sheet with Paul Fenner

Do you ever feel like you and your partner speak different languages regarding money? You're not alone. Our resident psychologist, Dr. Jennifer Dragonette, is back for a conversation that's equal parts practical, personal, and surprisingly fun. We're talking about the classic clash between spenders and savers—why it happens, how to navigate it, and what it takes to turn financial friction into a stronger connection. From our walk-and-talks to exploring the deeper stories we carry about money, this episode is full of honest, relatable moments, therapist-approved guidance, and even a few good laughs (wait until you hear the bit about pickles). Whether you're deep in financial negotiations with your partner or want to understand your own patterns better, this episode is packed with real-life insights, proven strategies, and stories that will hit home. Please enjoy my conversation with Dr. Jennifer Dragonette. Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn and YouTube. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics.

As summer heats up, two words are dominating headlines: the “Big Beautiful Bill” and—still hanging around—tariffs. In this episode, I break down: ·      What's really inside the new tax legislation ·      Why tariff uncertainty is rattling corporate decision-making ·      How political theater might spike volatility (just in time for the 4th of July) ·      Why long-term investors should stay grounded—despite media noise While the news cycle may create short-term anxiety, your investment strategy should align with your long-term purpose and personal goals. Whether you're planning for retirement, saving for college, or just trying to sleep well at night, staying focused matters. Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn and YouTube. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics. Resources Featured in This Episode: Cutting Through the Noise: Removing Distractions for Decision Making The Impact of Politics on Financial Planning: Navigating Market Trends Why Politics Should Stay Out of Your Portfolio

What's the first thing you think about when you hear the term farmland?  Most people have likely never thought about investing in farmland, but today, I have the perfect guest to explain why you might want to consider it. Rob Moore, general manager at AcreTrader, dives into the details of farmland investing appeal as an asset class and why it can be a powerful addition to a diversified portfolio, especially during uncertain economic times.  Rob breaks down the fundamentals of farmland investing, explaining how AcreTrader's platform works, what makes farmland investments unique, and the logic behind buying a finite resource in a world with growing demand and shrinking supply. Rob and I contrast farmland ownership with other forms of real estate, clear up myths about big corporations taking over family farms, and discuss the mechanics of lease agreements, appreciation, and investor returns.  We highlight the intersection of technology, generational farming, and accessible investing, reminding you why sometimes the best asset class is the most boring one in your portfolio. Growing up in multiple farming communities, I have wanted to have this conversation for some time. Please enjoy my conversation with Rob Moore. Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn and YouTube. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics.

In the ever-fluctuating world of economics, navigating the complexities of investment and savings often feels like treading turbulent waters. One of the critical aspects of managing these complexities is aligning your assets to match your liabilities for long-term financial stability.  Whether you're planning for retirement, saving for a child's college, or contemplating future investments, understanding and utilizing temporal diversification can pave the way for a more predictable financial future. In this episode, I break down what temporal diversification means and how it relates to dealing with the emotional rollercoaster of a fluctuating stock market. Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn and YouTube. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics. Resources Featured in This Episode: Cutting Through the Noise: Removing Distractions for Decision Making The Impact of Politics on Financial Planning: Navigating Market Trends Why Politics Should Stay Out of Your Portfolio

What if you had a front-row seat to the world's stage in the Oval Office?  Sounds like a cool gig.  But what if it required giving up much of your personal life? I welcome back former AP White House correspondent Ben Feller for a candid conversation about the evolving landscape of the media, the importance of journalistic integrity, and the personal journey of navigating high-stakes careers. Ben shares stories from his front-row seat covering Republican and Democratic presidents and discusses why real-time press access to pivotal moments—like the Oval Office meetings with world leaders—matters for democracy and public accountability.  We break down the history and unique mission of the Associated Press, unpack how information is shared and sourced across news organizations, and reflect on the increasingly complex challenge of finding and trusting unbiased news today. Just as important, we dive deeper into broader themes of personal growth, identity, and the emotional transition from a demanding career into new chapters of life—touching on the difficulty of balancing ambition, self-reflection, and gratitude. With plenty of wisdom for professionals, families, and anyone curious about the media's role in society, this episode is a must-listen for anyone trying to sort facts from noise and find emotional balance in a fast-paced world. Please enjoy my conversation with Ben Feller. Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn and YouTube. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics.

There feels like a pervasive nature of worry in today's world, particularly in politics, financial markets, and emotional well-being.  Now more than ever, we need to understand our emotional needs and what we are seeking out for advice.  Are we seeking advice that is personal or financial?  Are we looking to be heard?  Or do we want to feel comforted in an uncertain time? How we communicate with each other and the people we trust, such as financial advisor, can lead to better support in navigating our concerns and making informed decisions. Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn and YouTube. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics. Resources Featured in This Episode: Cutting Through the Noise: Removing Distractions for Decision Making The Impact of Politics on Financial Planning: Navigating Market Trends Why Politics Should Stay Out of Your Portfolio

Have you ever had a well-meaning conversation with a spouse, friend, child, or co-worker that went sideways?  What if we could help ourselves prepare for some of our most important conversations? Our resident psychologist expert, Dr. Jen Dragonette, is back with us to explore the nuances of communication in relationships, particularly focusing on the importance of language and emotional dynamics.  We cover the impact of phrases like 'yes, but' versus 'yes, and' and how these can shape interactions. Our conversation emphasizes the need for preparation before difficult discussions, the use of interpersonal effectiveness skills like the DEAR MAN technique, and the significance of regular check-ins to foster connection.  We also highlight the importance of reinforcing positive communication patterns and enjoying the journey of growth in relationships. Please enjoy my conversation with Dr. Jennifer Dragonette Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn and YouTube. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics.

Morgan Housel has inspired a great deal of my thoughts on the intricacies between money and happiness. Today, I wanted to share a personal story about the interconnectedness of money and happiness, along with five key points that challenge the conventional wisdom around wealth and satisfaction. From understanding that money provides freedom rather than fulfillment to the notion that true wealth is peace of mind, I invite you to reflect on your own financial journey and its impact on your happiness. Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn and YouTube. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics.

What matters most when it comes to portfolio returns? Video Version Here's what it's not: who is President or the crisis of the day.  From the unpredictable daily swings of the S&P 500 to the long-term probabilities of success, I cover how aligning your assets with your objectives —whether short-term or for retirement—can safeguard your financial future.  Plus, I unfold an important factor that will impact your portfolio returns. This episode is designed to provide you with peace of mind and a reassuring strategy for when the next market downturn inevitably arrives.  Let's get started and uncover the power of purposeful planning. Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn and YouTube. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics.

How do you bridge the gap between the anxiety you may be feeling and the realities of your current situation? Our resident therapist, Dr. Jennifer Dragonette, explains the core principles of ACT, a behavioral therapy developed by Dr. Steven Hayes, designed to foster present-moment awareness, acceptance of reality, and cognitive diffusion.  Dr. Jen makes these concepts accessible, helping listeners visualize their thoughts as separate entities that can be managed rather than overtaken by them.  Our conversation focuses on a listener question regarding a significant life transition—retirement—and how deeply ingrained financial anxieties clash with aspirations like generosity. We tie the realms of financial planning with understanding the psychological complexities that impact our financial decisions.  Whether you're on the cusp of retirement or navigating any transitional phase, this insightful dialogue will equip you with the tools to align reality with your aspirations. Please enjoy my conversation with Dr. Jennifer Dragonette. Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn and YouTube. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics. Resources Featured in This Episode: How to Use Emotions as Information The Science of Motivation and Strategies to Help You Achieve Your Purpose Living Intentionally - Aligning Financial Decisions with Your Core Values

Modern life often throws us into "hair on fire" moments where stress feels insurmountable and overwhelming. Whether it's work demands, family responsibilities, or unforeseen challenges, we all experience these times when it seems impossible to maintain balance. Understanding and preparing for these "hair on fire" periods is crucial. Communicating with those around us can be beneficial when we anticipate a challenging season. Alerting family members or colleagues ahead of high-pressure events sets realistic expectations and opens pathways to much-needed support. A particularly common scenario for me occurs during tax season, symbolizing those stress-filled periods. As I put a cap on the 2024 tax season, I wanted to reflect upon an insightful conversation with my friend and coach, Dennis Mosley Williams, about navigating these intense moments. Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn and YouTube. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics. Resources Featured in This Episode: Interrupting Stress with Microdoses of Relaxation The Science of Motivation and Strategies to Help You Achieve Your Purpose Finding Balance in the Face of Career Transitions

Does the current stock market volatility have you wondering what's next? It's a normal emotional response to feel anxiety or even a little bit panicked when events around you seem to be in chaos, which can apply to personal events, politics, and, yes, the stock market. Dr. Jennifer Dragonette is back to walk us through how we can navigate these personal and financial anxieties.  We delve into finding harmony between our rational and emotional minds, especially when facing fluctuations in the financial market and the anxiety it can bring. Even during stressful situations, having a positive outlook, establishing relationships with trusted advisors, and using practices like gratitude lists can help maintain calm in times of uncertainty.  Dr. Jen also sheds light on how these strategies can be applied beyond finance, such as in recovery from personal challenges or handling political anxiety. Please enjoy my conversation with Dr. Jennifer Dragonette. Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn and YouTube. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics.

What happens when two financial advisors get together for a conversation about non-financial planning topics?  A dynamic conversation that dives into current culture and the broader landscape of behavioral finance. My friend and colleague Matt Zeigler joins me for a first-of-its-kind Emotional Balance Sheet podcast episode.  There was no agenda, pre-scheduled questions, or thoughts on how the conversation would go.  It is completely unfiltered. We explore the importance of community and continuous learning, sharing their experiences from being part of Brian Portnoy's Building the Behavioral Advisor group and why behavioral finance is a topic the public should know more about. We navigate the concept of remaining connected in a world that feels increasingly disconnected, uninformed, and calloused, emphasizing the value of turning consumers into creators to break the cycle.  We explore the challenges of creating a personal archive for complete thoughts amidst the constant barrage of information, touching on Matt's innovative Cultish Creative YouTube channel. Please enjoy my conversation with Matt Zeigler. Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn and YouTube. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics. Resources Featured in This Episode: Matt Zeigler Cultish Creative Cutting Through the Noise: Removing Distractions for Decision Making The Fourth Turning

What does rock climbing have to do with mental and financial health? While Dr. Jennifer Dragonette offers her compassionate expertise to communities in crisis, she also shares a passion for rock climbing—a pursuit that intertwines with her professional insights.  Dr. Jen explains how this adventurous sport complements her work as a therapist.  She reveals how rock climbing's demands for balance, mental fortitude, and fear management mirror the complexities of navigating life's emotional challenges. We also uncover Dr. Jen's career transition journey, from holding significant leadership roles in healthcare organizations to establishing her private practice.  Her story is a testament to the power of aligning one's career with personal values and overcoming societal expectations to find true professional fulfillment. I think this conversation can provide valuable insights for anyone grappling with career transitions, anxiety, or simply seeking to understand the interplay between physical activities and mental well-being.  Whether you're scaling rock walls or facing life's everyday challenges, I hope this conversation inspires and resonates with you. Please enjoy my conversation with Dr. Jennifer Dragonette. Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn and YouTube. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics.

As busy parents on the go, it's hard not to opt for the convenience of quick meals, which may not be the best option for our kids.  As chaotic as schedules can get, we still want to find the most optimal meal options for our kids. Dr. Teryn Clarke is back with us to break down why proteins are indispensable, not just for muscle maintenance and growth but also for brain health.  We discuss the challenges parents face in ensuring their kids, especially active ones like my swimmer daughter Madison, get the right amount of protein amidst hectic schedules. Dr. Clarke provides practical advice on choosing healthier fast-food options, like Chipotle, and emphasizes the importance of aiming for quality proteins, even on the go.  We also tackle some misconceptions about deli meats and intermittent fasting, offering insightful strategies to make more informed dietary choices without feeling overwhelmed or restricted. Please enjoy my conversation with Dr. Teryn Clarke. Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn and YouTube. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics.

We live in an age where the 24-hour news cycle perpetuates political controversy and sensational headlines.  It's tempting to believe that staying informed means consuming every detail these channels broadcast. Yet, in our personal and financial lives, this noise often creates anxiety rather than clarity.  It's crucial to recognize that not every news story or social media post warrants our attention or reaction.  Instead, we must cultivate an environment where significant matters—those directly impacting our lives and well-being—take precedence. So, how can we filter out this noise and focus on what truly matters?  Today, I cover a few insights into managing this overwhelming influx and aligning your priorities toward genuine fulfillment. Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn and YouTube. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics. Resources Featured in This Episode: The Fine Line Between Support and Control The Impact of Politics on Financial Planning: Navigating Market Trends How to Fight Stress: Harnessing Microdoses of Relaxation

Have you ever asked yourself what the best credit card to use for my family and me is?  I get this question a lot and it is a topic I have wrestled with myself. Today, I am talking with someone who can help all of us navigate the complexity of credit card points and rewards systems.  Spencer Howard is the founder of Straight To The Points.  Spencer has built an entire business around helping individuals and families save money on travel and go to places they never would have dreamed of. Our conversation focuses on how to choose the right card based on individual spending habits and travel needs.  We cover the importance of having a credit card strategy, the differences between cash back and points, and the significance of paying off credit cards to avoid high interest rates. We also talk about family travel strategies, cost-effective flight options, and the importance of choosing the right credit cards to maximize rewards. Please enjoy my conversation with Spencer Howard. Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn and YouTube. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics.  

Have you ever heard of the term "make sureing?" Today, we delve into a term coined by Dr. Jennifer Dragonette to describe our frantic attempts to control situations or emotions beyond our control.  Though often well-intentioned, we explore how this behavior can lead to unintended consequences, especially within family dynamics and relationships. Dr. Jen sheds light on the evolution of “make sureing” and its impact on those doing the make sureing and those being made sured.  Dr. Jen explains how this behavior can inadvertently undermine the competence of others, leading to feelings of resentment and power struggles. I share personal anecdotes about the balancing act of managing a large family, while Dr. Jen offers practical advice on how to shift from controlling behaviors to more supportive approaches.  We also touch upon how these concepts apply beyond the family setting, especially in career transitions and times of emotional stress. Please enjoy my conversation with Dr. Jennifer Dragonette. Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn and YouTube. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for

How do you manage stress in the face of small or large-scale traumatic events? Dr. Teryn Clarke is back with us to tackle a pressing issue—how to manage stress when trauma feels like it is all around us, especially in the face of large-scale traumatic events like the recent fires in California. Dr. Teryn, who is based in Orange County, shares firsthand accounts of the devastation, highlighting the emotional toll on displaced families and communities. Our conversation centers on effective techniques for managing stress, emphasizing the importance of microdoses of relaxation through simple breathing exercises. Dr. Teryn explains the physiological impacts of stress on the body, particularly elevated levels of cortisol, and how they can be mitigated. We also cover the benefits of maintaining good nutrition, the critical role of socialization in mental health, and practical tips to help both adults and children handle anxiety and stress in their daily lives. Whether you're dealing with minor daily stressors or major life events, this episode provides actionable insights to help you maintain emotional balance. Please enjoy my conversation with Dr. Teryn Clarke. Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn and YouTube. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics.

Have you missed me on Instagram or Facebook? It's been two months since I shut down my accounts on those platforms, and I have not received one request for me to come back on. My point gets to the heart of the topic I am talking about today, the concept of 'noise' in decision-making, particularly in financial planning and portfolio management. There is a strong need to filter out irrelevant information, especially political noise, to focus on what truly impacts your personal and financial life. I share a few personal anecdotes to illustrate how I manage the noise in my life and work, advocating for a mindful approach to information consumption. Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn and YouTube. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics. Resources Featured in This Episode: The Impact of Politics on Financial Planning: Navigating Market Trends It's All Inside Your Head Build for Tomorrow: An Action Plan for Embracing Change

In this conversation, Dr. Jen Dragonette and Paul Fenner explore the pervasive issue of anxiety, particularly during the start of a new year and in the context of recent societal events. Dr. Jen highlights the physical manifestations of anxiety, the importance of understanding its nature, and the role of mindset in managing anxious thoughts. Our conversation emphasizes the concept of agency, the need for connection, and the power of communication in overcoming feelings of isolation and fear. Through personal anecdotes and professional insights, they provide listeners with strategies to cope with anxiety and foster emotional wellness. Please enjoy my conversation with Dr. Jenifer Dragonette. Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn and YouTube. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics. Resources Featured in This Episode:

We all know this time of year spurs great interest in setting goals and resolutions, but do you know the difference between the two? Dr. Teryn Clarke, our resident neurologist expert, walks us through the difference between goals and resolutions and why we should focus on goals and not resolutions.  Specifically, we address the acronym SMART when setting goals.  We explore the vital role of tiny wins in habit building and the rewarding shift in medicine and financial planning towards a more collaborative, lifestyle-centric approach. As an added bonus, Dr. Teryn and I reflect on the transitions from daily parenting struggles to the satisfaction of seeing our children become independent adults. Please enjoy my conversation with Dr. Teryn Clarke Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn and YouTube. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics.

Welcome to "Emotional Balance Sheet," and a Happy New Year to all our listeners! Back from a refreshing holiday break with my family, I wanted to take a retrospective look at the financial markets in 2024—a year marked by fascinating highs and lows. I'll break down the key moments that drove the S&P 500 to a 23% gain, highlighting just 16 critical trading days among 252. Most importantly, we'll discuss the implications for your wealth management and portfolio strategies as we navigate the new year. Whether you're just starting out or planning for retirement, staying diversified and consistently invested are crucial takeaways. Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn and YouTube. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics. Resources Featured in This Episode: Why Politics Should Stay Out of Your Portfolio Uncovering Core Values for Financial Clarity and Emotional Balance The Science of Motivation and Strategies to Help You Achieve Your Purpose

Do you wish you had more time?  If you did have more time for yourself, what would you do? Managing time and anxiety in a busy world, especially for parents, is an everyday occurrence.  Our resident therapist expert, Dr. Jennifer Dragonette, and I continue to press forward with our conversations around defining our purpose and supporting them with our time. During our conversation, we explore the importance of mindfulness, the myth of multitasking, and practical strategies for finding time for self-care and meaningful activities.  Dr. Jen emphasizes the need for boundaries, the value of saying no, and the significance of tracking time to gain awareness of how it is spent. An action item Dr. Jen has found beneficial with her patients is introducing the concept of a 'could-do' list and the 'pride practice' to help people focus on their values and celebrate their achievements.  As always, we highlight the parallels between time and financial planning. Please enjoy my conversation with Dr. Jennifer Dragonette. Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn, Instagram, and Facebook. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics.

Dr. Teryn Clarke – Preventing Alzheimer's: The Power of Cognitive Exercise What if you could prevent cognitive decline such as dementia or Alzheimer's?  Would you do it, even if it meant you had to make significant life changes? Dr. Teryn Clarke, our resident neurologist expert, discusses the significance of cognitive exercise for maintaining brain health and preventing cognitive decline, particularly Alzheimer's disease. Our conversation explores various cognitive exercises, the importance of lifelong learning, and the role of motivation in making lifestyle changes.  Dr. Clarke emphasizes that while cognitive exercises can help preserve brain function, reversing cognitive decline is challenging once symptoms appear. The episode highlights the need for early intervention and the adoption of healthy habits to promote brain health.  We discuss gamified cognitive programs, manual brain exercises, and the crucial concept of cognitive reserve, all actionable strategies for better brain health. Please enjoy my conversation with Dr. Teryn Clarke. Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn, Instagram, and Facebook. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics.

  Summary Where do you want to take your family on vacation?  What vacation would work best for you and your family? These are the questions I explored with Jill Benedict, our resident vacation planning expert.  Jill and I explore the various vacation options, including cruises and all-inclusive resorts, and provide insights on choosing the best vacation type based on family needs and preferences. Our conversation delves into the differences between cruise experiences and resort stays, highlighting factors such as room size, activities, and nightlife.  We also touch on important budgeting for vacations, including drink packages and overall costs, helping you navigate your travel decisions effectively. Jill and I discuss the various aspects of travel planning, focusing on the cost comparisons between cruises and all-inclusive resorts, the hidden costs associated with theme park vacations, and the importance of budgeting for excursions.  We also delve into managing additional costs on cruises, the best times to book, looking for deals, and future travel topics such as Europe and Alaska. Please enjoy my conversation with Jill Benedict. Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn, Instagram, and Facebook. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics.

Imagine trying to find your way in the dark without a light.  Even if you have a plan, do you have a light to help show you the way? Our purpose and values are the light that helps to guide us along our lives and weaves itself into our financial plans.  Our resident therapist expert, Dr. Jennifer Dragonette, helps us explore how deeply our emotions and core values influence financial decisions, especially as we transition through various life stages. Dr. Jen shares a fascinating exercise to help you quickly identify your core values, providing a clear lens through which you can assess and make financial choices that resonate with what truly matters to you.  We also discuss the how confidence, fear, and intentionality play critical roles in managing finances effectively. Whether you're grappling with aligning financial actions to your life values or simply curious about understanding the barriers to your personal goals, this episode offers compelling perspectives and practical tools to help navigate your financial and emotional landscape. Please enjoy my conversation with Dr. Jennifer Dragonette. Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn, Instagram, and Facebook. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics.

Have you ever set a goal and wondered why is this really important to me?  Or did you set an objective and lose your motivation while trying to achieve it?  I welcome back to the show Professor Ayelet Fishbach, Eric J. Gleacher Distinguished Service Professor of Behavioral Science and Marketing at the University of Chicago.  Ayelet is a motivation scientist and author of Get it Done: Surprising Lessons from the Science of Motivation.  Ayelet is also known as the godmother of motivation!  Ayelet sheds light on the low correlation between wealth, happiness, and success and emphasizes the importance of knowledge over sheer willpower.  We discuss the role of situational awareness and the art of reframing to navigate obstacles and stay on track with your goals.  Throughout the conversation, Ayelet shares actionable strategies for reframing discomfort as growth, anticipating obstacles, and continuously refining our understanding of what drives us.  Whether you're facing financial decisions or personal growth challenges, we identify strategies to help you align your goals with your life's purpose.  Please enjoy my conversation with Professor Ayelet Fishbach.  Connect with Paul  Contact Paul here or schedule a time to meet with Paul here.  For resources discussed in this episode, visit tammacapital.com/podcast.  Follow Paul on LinkedIn, Instagram, and Facebook.  And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics. 

By the time this episode is released, I sure hope we have an answer to who won the 2024 presidential election. I wanted to take a few minutes to explain my strategy of how I have handled this current election cycle, highlighting what I have done and, more importantly what I have not done. While tuning out the noise of the election is hard, patience and long-term strategies must win out vs. over-reactive decision-making based on political outcomes.  Market performance is not solely dictated by what party is in power but rather by fundamental company performance and economic indicators. I encourage you to focus on your financial plan and the best ways to achieve it through our spending, savings, and investment strategies. Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn, Instagram, and Facebook. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics.

Dr. Teryn Clarke – Building Healthy Habits: Overcoming Fear and Anxiety Through Tiny Changes Do you ever wonder why fear takes over when trying to gain traction when it comes to your physical or financial health? Dr. Teryn Clake, our resident neurologist expert, is back to discuss why negative feedback loops are stronger than positive ones, making change difficult. Making changes is challenging due to the conflict between the primitive "lizard brain" (focused on immediate gratification) and the human prefrontal cortex (capable of long-term planning).  Successful habit formation requires a three-pronged approach: resetting mindset, implementing tiny habits, and providing self-rewards.  With insights from books like "Atomic Habits" by James Clear, Dr. Teryn explains how tiny, incremental changes can lead to significant, lasting improvements.  Additionally, we cover how visualizing long-term success and using practical tools like habit trackers can help solidify new behaviors. Listen as we uncover strategies for overcoming fear to harness the benefits of time and compounding in health and finances. Please enjoy my conversation with Dr. Teryn Clake. Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn, Instagram, and Facebook. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics.

Every day, we are surrounded by our emotions.  But how can we use our emotions as information rather than be bullied by them? Our resident therapist expert, Dr. Jennifer Dragonette, joins us once again to discuss the concept of emotions as information and explore how our feelings significantly impact our financial decisions, careers, and overall life choices. Dr. Jen shares practical techniques to navigate powerful emotions like fear and anger, emphasizing the importance of mindfulness, grounding, and understanding our values.  She also introduces the concept of agency, helping us recognize that we have more control over our lives than we might realize. Whether you're dealing with a career setback, relationship challenges, or just seeking to improve your emotional intelligence, this conversation offers invaluable insights and actionable advice.  We also highlight the crucial role of a supportive inner circle and how to effectively utilize our emotions to make better decisions and move forward. Please enjoy my conversation with Dr. Jennifer Dragonette. Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn, Instagram, and Facebook. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics.

If you haven't heard, a presidential election is happening this year.  This often leads to a topic of conversation or a series of questions about what will happen to the stock market, depending on who wins. In this episode, I dive into why politics should stay out of your portfolio.  Why time invested in the market is better than trying to time the market.  And there is data that squarely proves this concept. This is the first episode that might be better to watch/listen to on our YouTube channel as I utilize various charts to illustrate that investment success isn't tied to whether a Republican or Democrat is in office but rather to consistently staying invested over time. There is actionable advice for navigating the emotional roller coaster of investing, especially in politically charged times.  My objective with this conversation is to equip you with the knowledge to stay focused on long-term financial health, regardless of who occupies the White House. Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn, Instagram, and Facebook. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics.

Dr. Teryn Clarke is back with us to delve into a topic affecting our health in surprising ways: seed oils.  Have you ever wondered about the hidden impacts of common cooking oils on your brain and overall well-being?  Dr. Clarke explains what seed oils are, where they come from, and how they contribute to inflammation—a key factor in diseases like Alzheimer's. In this episode, you'll gain clarity on which oils to avoid, discover healthier alternatives for your cooking, and understand how processed foods are a major source of these oils.  We also address the significant role inflammation plays in chronic diseases and provide practical action steps to help you reduce your intake of harmful oils. We also discuss how small changes can make a big difference in your health journey.  Stay with us as we explore the science and offer actionable insights to promote your brain health and overall wellness! Please enjoy my conversation with Dr. Teryn Clarke. Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn, Instagram, and Facebook. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics.

I am often asked how families master planning for vacation from a financial and experience standpoint.  Jill Benedict, a seasoned travel agent who runs a unique travel agency, emphasizes that vacations aren't just about booking trips—they are about creating memorable experiences that align with personal and financial goals. Jill shares her insights on navigating family cruises, optimizing vacation costs, and making the most of the trip experiences.  I have personally found that working with someone like Jill makes vacation planning less stressful while creating some unexpected enjoyable moments.  Jill sheds light on the benefits of using a travel agent, from saving money to accessing exclusive perks, and how her hands-on travel experiences inspire her clients. Life is full of transitions, so we delve into Jill's journey from corporate marketing to running her own successful travel agency.  Jill shares personal stories highlighting the significance of supportive relationships and the true essence of balancing life's emotional and financial aspects in travel and life. Please enjoy my conversation with Jill Benedict. Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn, Instagram, and Facebook. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics.

You have more power and control than you realize, has become a powerful theme emerging from my recent planning sessions with families.  In this episode, we'll explore how taking control of your emotional and financial well-being can profoundly impact your life.  Drawing insights from my own experiences and the wisdom of expert guests like neurologist Dr. Taryn Clark and psychologist Dr. Jennifer Dragonette, we'll discuss practical ways to focus on the positive aspects of life and harness your inner strength. Why is this conversation so important?  Because your emotional decisions impact your financial decisions, and your financial decisions impact your emotions! Whether you're navigating career challenges, relationship hurdles, or financial uncertainties, this episode is a reminder that you have more power than you think to shape your future. Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn, Instagram, and Facebook. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics.

How do you have money conversations with your spouse or partner?  And just as important, what are you trying to achieve by having them? Today, we're diving deep into the intricate dance of relationships, communication, and money with our resident therapist, Dr. Jennifer Dragonette.  We explore the importance of understanding each other's upbringing and values, particularly hot-button topics like finances. Dr. Jen stresses how curiosity can replace fear in these conversations while sharing techniques to bridge communication gaps and foster empathy by delving into each other's painful stories and experiences. Fear and shame frequently serve as roadblocks to open communication, but Dr. Jen offers insights on how vulnerability and openness can help break down these barriers, leading to a stronger, more intimate connection. Together, we'll discuss practical strategies like regular "walk and talk" sessions and financial date nights to keep the lines of communication open and reduce anxiety around tough conversations. Please enjoy my conversation with Dr. Jennifer Dragonette. Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn, Instagram, and Facebook. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics.

Dr. Teryn Clarke – Unlocking Brain Health: The Power of Time-Restricted Eating I am excited to have Dr. Teryn Clarke join us once again.  Dr. Clarke also sheds light on the power of mindful and balanced eating over restrictive diets, sharing her insights from her research and personal experiences.  We'll discuss practical tips for implementing time-restricted eating, including Dr. Clarke's meal timing and composition recommendations, ways to identify true hunger, and the importance of consulting doctors for personalized fasting schedules. Throughout the episode, Dr. Clarke and I share our journeys with time-restricted eating and highlight the significance of empathy, grace, and trial-and-error in making sustainable lifestyle changes.  Additionally, Dr. Clarke touches upon her new book, "Brain Health Action Plan," and how starting healthy habits early can yield long-term benefits, much like college and retirement savings. So, whether you're looking to enhance your brain health, improve your eating habits, or simply understand the science behind time-restricted eating, this episode is packed with valuable insights and practical advice.  Please enjoy my conversation with Dr. Teryn Clarke. Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn, Instagram, and Facebook. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics.

Can you find trust and comedy within the highly personal and emotional arena of financial planning? Tom McCarthy has built a successful 24-year career in the mortgage industry based on trust, doing what is in the best interests of his clients, and with a little comedy.  Tom shares his unique perspective on the current housing market, including the impact of fluctuating interest rates, while providing valuable insights for potential homebuyers navigating mortgage decisions in this environment. Buying a home or going through a refinance of an existing loan is often an extremely emotional process.  After a 15-year hiatus from the comedy industry, Tom shares how his passion for two completely different industries interweaves together to help build lasting client relationships.  By the end, you'll have a fresh take on the housing market and a newfound appreciation for taking chances in life and career.  Tom's wit and optimistic outlook shine through, especially when discussing the joys of his work, his supportive spouse, and parenting his two children. Please enjoy my conversation with Tom McCarthy. Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn, Instagram, and Facebook. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics.

How do you find harmony between your personal and professional lives?  Do emotions such as fear hold you back from finding your unique purpose? Dr. Benjamin Ritter rejoins us as we discuss his new book, "Becoming Fearless, 65 Strategies to Journey from Self-Doubt to Self-Mastery." Ben and I dive deep into the importance of focusing not just on our financial well-being but also on our emotional well-being.  Ben shares strategies from his book for creating space for personal and professional growth, including time blocking and how it can help us prioritize the things that truly matter in our lives. Identifying obstacles that can stand in our way is critical to our ability to move forward and cultivate a mindset of fearlessness and resilience.  Ben and I also discuss the idea of "never having too much work to do" as a way to manage our workload more effectively and find a better balance between our work and personal lives. So whether you're a high-achieving professional looking to redefine your approach to success or simply someone who wants to live a more fulfilling and purposeful life, there are actionable items to take away from this discussion. Please enjoy my conversation with Dr. Benjamin Ritter. Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn, Instagram, and Facebook. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics.

Are you frustrated with your current job but aren't taking the first step you know you need to make to implement a positive change? Carrie Schochet, executive recruiter and founder of Purple Squirrel Advisors, rejoins us as we navigate career challenges and changes.  We dive deep into the importance of networking and making meaningful connections, even in unexpected places.  A concept we explore is "net giving" as opposed to simply "networking," drawing inspiration from the book "The Go-Giver" by Bob Burg. We also tackle the fear and uncertainty many individuals face when considering a career change, particularly when receiving counteroffers from their current employers.  Carrie shares her personal experience with this situation and emphasizes the significance of understanding one's purpose and level of commitment to one's job. There are multiple challenges to managing career dissatisfaction within dual-income families.  We cover the crucial role of communication and support when seeking job changes or transitioning careers.  Carrie offers valuable advice on utilizing LinkedIn discreetly to signal interest to recruiters without alerting current employers.    Please enjoy my conversation Carrie Schochet. Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn, Instagram, and Facebook. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics.

Ep.153 – Two Pieces of Data Tells the World About You What if I told you that only two pieces of data would tell me everything I needed to know about you?  Could you guess what they would be? These two data points show where your money goes and how you prioritize your time.  I'll explore how understanding these elements can help align your spending and scheduling with your core values and life goals.  Whether it's uncovering your financial patterns or evaluating how you allocate your time, small tweaks can lead to significant improvements in finding harmony between your financial and emotional life.  Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn, Instagram, and Facebook. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics. Resources Featured in This Episode: The Gap and the Gain - Navigating Purpose The Longest Relationship You Will Ever Have Reducing Friction to Change Behaviors Follow the Show And Never Miss an Episode Follow the show on Apple Podcast |Podurama | Amazon Music | Spotify    

Whether you're a parent looking for guidance on supporting your child through the college planning process or a high school student trying to figure out your own path, this episode is packed with relatable insights and practical advice from a student's perspective. 19-year-old Megan Brissette shares her journey from developing her college list to transitioning socially and academically into her freshman year at Michigan State University.  You'll get a front-row seat to the challenges, surprises, and triumphs that come with this major life milestone. Megan and I dive deep into the importance of open communication between parents and kids regarding college planning, especially finances.  We discuss strategies for affording college, the value of setting clear expectations, and the pride that comes with contributing to your education.  Megan also opens up about the social challenges of leaving high school friendships behind and the importance of stepping outside your comfort zone in college. Get ready to take some notes as we share our wisdom on making the leap from high school to higher education. Please enjoy my conversation with Megan Brissette. Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn, Instagram, and Facebook. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics. Follow the Show And Never Miss an Episode Follow the show on Apple Podcast |Podurama | Amazon Music | Spotify  

When does a cost stop being an expense and start being an investment? The answer to this question is part of a broader search for helping people identify and develop their purpose and supporting objectives, not solely from a financial perspective but more from a personal and lifestyle perspective. Ultimately, the transition from expense to investment often involves a shift in mindset.  It requires thinking beyond immediate gratification and considering the long-term impact of your decisions. The secret to determining when a cost stops being an expense and becomes an investment is that there isn't a formula to calculate.  You can put a value on your time, but how much value do you put on doing the things in life you really want to do? Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn, Instagram, and Facebook. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics. Resources Featured in This Episode: Emotional Decision Making How to Lose Time and Money Understanding the Link Between Life Transitions and Financial Planning Follow the Show And Never Miss an Episode Follow the show on Apple Podcast |Podurama | Amazon Music | Spotify    

When you think of the word productivity, what is your first thought? Today, we're diving into a fascinating discussion on productivity, but not in the way you might expect. Recently, I had a conversation with one of my clients about what it means to raise productive children and the challenges parents face in this endeavor. Whether you have one child or several, the struggle to balance keeping them active and not overwhelming them is a familiar one. In this episode, I'll share my personal experiences with my four kids and the insights I've gathered from working with numerous families. We'll discuss the importance of helping our children find their intrinsic motivation and the potential pitfalls of over-scheduling. As always, I'm eager to hear your thoughts and strategies on this topic. Let's get started! Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn, Instagram, and Facebook. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics. Resources Featured in This Episode: Dr. Tracy Dennis-Tiwary – Parents & Kids Working Together to be Better Digital Citizens Cathy Adams – Parenting With No Age Limits Ben Feller – Big Problems, Little Problems; A Father & Son Journey

We are taking a break to spend time with friends and family this week as we celebrate the 4th of July holiday. Be sure to check out our 150th episode from last week, where I highlight some of my favorite conversations over the past four years of hosting the show.   You can access that show here to find an episode I am sure you will love. Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn, Instagram, and Facebook. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics. Want more? Check out all of our past episodes by following the show using the links HERE.

Welcome to the 150th episode of the Emotional Balance Sheet podcast!  I can hardly believe it's been nearly four years since we launched our journey in October 2020.  Through the ups and downs, your support has kept us going, and today, I want to celebrate this milestone by highlighting some of the most meaningful conversations we've had.  In this special episode, we revisit insightful discussions with remarkable guests like Brian Portnoy on "funded contentment," Dr. Joy Leary on the deeper issues couples face, and Bruce Filer on navigating life's transitions.  You'll also hear about fascinating talks with people like divorce attorney Jim Sexton, productivity expert Scott Hanselman, and renowned author Dan Pink.  Whether it's learning about the concept of "enough" with Carl Richardson, exploring parental insights with Josh Brown, or digging into economic complexities with Neil Dutta, these moments have shaped our podcast and provided invaluable lessons.  Join me as we reflect on these enriching conversations that emphasize awareness, life transitions, and the emotional intricacies tied to financial planning.  Thank you for being part of this journey, and enjoy our special montage of the last 150 episodes.  Connect with Paul  Contact Paul here or schedule a time to meet with Paul here.  For resources discussed in this episode, visit tammacapital.com/podcast.  Follow Paul on LinkedIn, Instagram, and Facebook.  And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics. 

Inspired by a quote from psychologist Amos Tversky, I wanted to dive into the detrimental effects of over-scheduling and the importance of allowing ourselves time to wander and be creative. Cognitive scientist Scott Barry Kaufman's research finds that 72% of our best ideas often come to us in the shower.  Why is that?  And what other places could we generate that level of creativity and space to think about the important aspects of our lives? As we transition into the summer months, embrace the art of wasting time and make room for true efficiency by intentionally leaving gaps in our schedules. Remember, all who wander are not lost! Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn, Instagram, and Facebook. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics.

As we dive into the summer vacation season, a frequently asked question arises: should I buy a vacation home or rental property? I share personal insights and experiences from when my family purchased a vacation home in Traverse City, Michigan, diving into the various considerations and decisions involved in such a significant financial commitment. Here are some key takeaways to consider Understand the purpose: investment property vs. future retirement home Factor in costs: property management fees, higher taxes, maintenance/repairs Rental income may not cover all expenses, especially for a future retirement home Limits ability to travel elsewhere if frequently using the vacation home I hope this episode provides helpful guidance as you navigate the complexities of owning a second home.  Learn what factors you should weigh before taking the plunge into vacation home ownership. Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn, Instagram, and Facebook. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics. Resources Featured in This Episode: Vacation Real Estate You Can Understand HGTV Host Provides Insights on How to Make a Second Home a Reality Understanding Capital Gains Taxes on Home Sales

Recently, a massive breach at Ticketmaster potentially affected over 500 million people.  While this is not an isolated incident, data breaches are becoming increasingly common.  So what can you do? In this episode, I'll be sharing practical steps you can take to safeguard your personal information, including investing in a credit monitoring service, using a password manager, and possibly freezing your credit. Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn, Instagram, and Facebook. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics. Resources Featured in This Episode: ID Shield Dashlane Ticketmaster, Live Nation sued: Millions of customers' personal data listed on black market, suit claims

  Do you believe the U.S. government is going bankrupt? It's becoming more of a common question as our national debt levels have ballooned to epic proportions.  It might even conjure up emotions of fear if you listen to mainstream media sources. However, if we go beyond the headlines, we will find that the U.S. is not going bankrupt, and we should likely be thankful for the wealth we have created in part from our increase in national debt. I call on my friend and economic expert Cullen Roche's writing to help us see that America's fiscal health is far from critical.  Why the government, with its monetary might and 'printing press' capability as seen during the COVID crisis, cannot go bankrupt like a typical household. Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn, Instagram, and Facebook. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics.