Emotional Balance Sheet with Paul Fenner

Welcome to the Emotional Balance Sheet, the financial planning podcast for working parents who are building careers and raising kids at the same time.If you and your spouse are both senior-level professionals, raising kids in school or college, and are tired of stitching together four different specialists to run your financial life, this show is built for you.Each conversation tackles the planning conversations real families are having: education costs, retirement timing, equity compensation, career transitions, estate coordination, and the emotional weight that lies beneath it all.Hosted by Paul Fenner, Certified Financial Planner®, Enrolled Agent, and founder of TAMMA Capital. Paul is also a parent to four kids, including a set of triplets, so he knows the pace firsthand.TAMMA Capital is a private family office that brings financial planning, tax, and investments under one umbrella. To schedule a conversation, visit www.tammacapital.com or email pfenner@tammacapital.com.

Emotional Balance Sheet with Paul Fenner is a education podcast hosted by Paul Fenner, with 273 episodes on record and a Required Pod Score of 80.

Paul Fenner hosts Emotional Balance Sheet with Paul Fenner, a education show with 273 episodes published.

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  Episode #258

  Multiple Goals, One Paycheck

  Oct 1, 202610 min

  Work with Paul: Schedule a 30-minute conversation Which goal wins when your retirement account and your kid's college bill are both due at the same time? For most of the two-income families I work with, that question never actually gets answered. The 401(k) comes out of the paycheck automatically, so it always gets funded. The reserve and the college account require a decision every month, so they lose. Not because anyone chose them last, but because they were the only ones that required a choice. In this episode, I get into why sequencing your savings goals quietly starves the ones at the back of the line, and why lifestyle creep and the false comfort of two incomes make it worse. Connect with Paul If you're a working parent juggling a senior-level career and a growing family, and you're tired of coordinating four different advisors to run your financial life, I offer complimentary 30-minute conversations. Schedule one here . For resources discussed in this episode, visit tammacapital.com/podcast . Follow Paul on LinkedIn . Resources Featured in This Episode: Understanding the One Big Beautiful Bill Impacts for Parents During Their Building Years The Hidden Cost of Inflated Expectations Spending vs Saving: Tools for Couples to Align Money, Values, and Find Harmony

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  Episode #257

  Nobody Files an Exit Interview for Your Money

  Sep 24, 202611 min

  Nobody Files an Exit Interview for Your Money Work with Paul: Schedule a 30-minute conversation What if the most irreversible money decisions of your career all arrive in the same two weeks, while you are least able to think about them? This is the third and final episode in a series on where good financial habits stop being enough. Today I walk through a job change as the moment the whole balance sheet gets handled at once, on a deadline. I start with money I forfeited myself when I left a corporate career to start this firm. Then I walk through the four pieces that have clocks attached. Unvested equity you leave behind. Deferred comp that can pay out all at once. A rollover decision made in the first busy week. And the reachable cash that determines whether a gap between paychecks is manageable. This week a single page with four things on it, done before you are anywhere near a decision, so that if the call comes, the deadline only applies to the paperwork. Connect with Paul If you're a working parent juggling a senior-level career and a growing family, and you're tired of coordinating four different advisors to run your financial life, I offer complimentary 30-minute conversations. Schedule one here . For resources discussed in this episode, visit tammacapital.com/podcast . Follow Paul on LinkedIn . Resources Featured in This Episode: Accumulation Was the Easy Part What Happens When the Gap Is Zero

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  Episode #256

  Accumulation Was the Easy Part

  Sep 17, 202612 min

  Accumulation Was the Easy Part Work with Paul: Schedule a 30-minute conversation What if the number you track every quarter tells you almost nothing about the shape of what you have built? Today I walk through an exercise instead of a story. Three columns on one page. Money you have already paid tax on. Money you will owe tax on when you take it out. Money that comes out without tax. Most families in their forties and fifties find one enormous column and two small ones. I explain why that happens, why it was decided by a payroll form rather than a plan, and why having balances in all three is about flexibility rather than tax rates. I also talk about where cash fits, and where my own page was lopsided for years. The takeaway this week is the page itself. Every account, in one of the three columns, with its balance. Then total each column and look at the three numbers side by side. Connect with Paul If you're a working parent juggling a senior-level career and a growing family, and you're tired of coordinating four different advisors to run your financial life, I offer complimentary 30-minute conversations. Schedule one here . For resources discussed in this episode, visit tammacapital.com/podcast . Follow Paul on LinkedIn . Resources Featured in This Episode: Navigating the Impacts of the One Big Beautiful Bill During the Empty Nest and Pre-Retirement Years Understanding the "Big Beautiful Bill": Balancing the Building Years - Taxes, Family and Financial Priorities Your Paycheck is Not Your Safety Net

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  Episode #255

  Patience Has a Blind Spot

  Sep 10, 2026—

  Work with Paul: Schedule a 30-minute conversation What if the most disciplined thing you do with your money is quietly working against you in one specific account? Today I walk through a family that had not touched their investments in several years. While that is highly unusual, what was not was our review of one of the spouse's equity compensation. The flat rate a company withholds at vest can sit well below what a high-earning household actually owes. And every vest quietly adds to the same position, which means holding is not standing still. Patience answers how long you hold something. It says nothing about how much of it you own. Pull up your most recent vest confirmation, find the shares that vested and the shares withheld for taxes, divide one by the other, and write that number down next to your marginal bracket to determine if you have a gap. Connect with Paul If you're a working parent juggling a senior-level career and a growing family, and you're tired of coordinating four different advisors to run your financial life, I offer complimentary 30-minute conversations. Schedule one here . For resources discussed in this episode, visit tammacapital.com/podcast . Follow Paul on LinkedIn . Resources Featured in This Episode: Your Holding Period Matters Most Understanding the "Big Beautiful Bill": Tax Changes That Impact Families Balancing Careers and Kids Staying the Course: How Long-Term Investing Builds Wealth Through Market Cycles

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  Episode #254

  When Selling Means Admitting You Were Wrong

  Sep 3, 20267 min

  Work with Paul: Schedule a 30-minute conversation What are you actually holding onto when you refuse to let something go? What could it be costing you to keep hoping you'll be proven right? In this episode, I get honest about the three years I knew I'd leave my corporate career before I actually did, and why that's the same trap I watch families fall into when they won't loosen a single stock that's grown too big. I get into why this hits hardest for people who've done well, and why the real price of holding on is rarely the money. I leave you with one question to run on a single piece of your life, financial or not. If you were starting from scratch today, would you build this again? Not whether to sell. Just whether you'd choose it on purpose. Connect with Paul If you're a working parent juggling a senior-level career and a growing family, and you're tired of coordinating four different advisors to run your financial life, I offer complimentary 30-minute conversations. Schedule one here . For resources discussed in this episode, visit tammacapital.com/podcast . Follow Paul on LinkedIn . Resources Featured in This Episode: The Financial Story You Keep Telling Yourself The Greatest Story Ever Told Your Brain Is Writing Your Financial Story. Is It Telling the Truth?

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