Emotional Balance Sheet with Paul Fenner

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 [email protected] 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 [email protected] 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 [email protected] 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 [email protected] 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 [email protected] 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 [email protected] 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 [email protected] 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 [email protected] 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 [email protected] with any feedback, questions, or ideas for future guests and topics.

Have you ever wondered if standardized tests like the SAT or ACT are still relevant, especially when colleges offer test-optional admissions? The debate around standardized testing has become more nuanced than ever. With the rise of test-optional college admissions, many students and parents grapple with the question: Is taking the SAT or ACT still necessary? I wanted to speak with Dr. Shaan Patel, the founder and CEO of Prep Expert, a leading test preparation company, to shed light on this topic. Dr. Patel's expertise offers invaluable insights into why standardized tests still matter, even in a test-optional era. Drawing from his experience of conquering standardized tests and securing scholarships, he highlights the pivotal role of motivation and resilience in achieving academic and professional goals. From navigating the pressures of Shark Tank to finding harmony between a career in dermatology and entrepreneurship, Dr. Patel's story offers practical advice for families and valuable lessons in pursuing passions and seizing opportunities. Please enjoy my conversation with Dr. Shaan Patel. 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 [email protected] with any feedback, questions, or ideas for future guests and topics.

Welcome to a special "Emotional Balance Sheet" graduation episode where we're diving into real-world advice for all the fresh graduates. Congratulations on this incredible milestone in your life! Now, let's talk about what comes next. While the world often echoes Steve Jobs' famous 2005 Stanford speech urging graduates to follow their passion, today, we will shake things up and challenge that narrative. Instead, I encourage you to pursue what you enjoy and what can sustain you financially because passion alone doesn't pay the bills. To help get you started with this next phase of life, I have brought in one of my favorite writers, Morgan Housel. Morgan wrote an article that provides unsolicited advice to recent college grads, which I wanted to share with you today, sprinkled in with a few thoughts of my own. The beauty of this advice in typical Morgan fashion is that it applies to adults who could be in the prime of their careers. 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 [email protected] with any feedback, questions, or ideas for future guests and topics.

Have you ever taken the time to think about who you are? We all have multiple identities, but how do the different people we represent come together to form who we are? Christina Gossayn, a behavioral scientist and Ph.D. in Organizational Behavior candidate, has focused her research on how identities evolve over time, especially under the mantle of responsibility that comes with age. Our self-reflection can take a backseat as we juggle various roles, from professionals to parents. For many, particularly working parents, the struggle to make time for reflection is real. Christina and I discuss practical ways for individuals to prioritize and define their purpose amidst the hustle of daily life. Here are three key takeaways: Understanding the value of taking time to contemplate one's purpose and objectives even amidst daily responsibilities. Acknowledging that our identity is not static but constantly shaped by experiences and reflections opening doorways to authentic growth and leadership. Challenging the notion that our careers solely define us and recognizing the importance of empathy, relationships, and personal joys. So, as we prepare to embark on this journey into self, I invite you all to take a step back, reflect, and maybe discover something new about the ever-changing landscape of your own identity. Please enjoy my conversation with Christina Gossayn.

I am the product of a tight-knit, small-town community. While searching for a job during college, I was fortunate to cross paths with Darrell and Melodee Hoff, who became my first career mentors. Darrell recently passed, and I wanted to share not only the practical skills I learned from him but also the profound influence of his mentor in shaping my personal and professional outlook to this day. Here are a few key takeaways Mentors can deliver more than business lessons, How you define family is up to you, As Darrell always used to say, "Plan the work and work the plan." 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 [email protected] with any feedback, questions, or ideas for future guests and topics.

Did you know that the path to choosing the "right-fit" college for your child could also lead to life lessons in self-advocacy? I welcome back Holly Markiecki-Bennetts, a high school guidance counselor and college advisor who is also a mom to one + twins! Holly is a testament to thoughtful and intentional educational decision-making. While many high school seniors embark on the nerve-wracking odyssey of college applications, laden with standardized test scores and wide nets, Holly worked with her oldest daughter to choose a different path. Our conversation focuses on the challenges students face when transitioning from high school to college, from mastering study habits to time management. Holly brings her 20-year experience in education to the table, offering tangible strategies like using physical planners and the importance of study breaks to enhance learning retention. A few critical takeaways Don't let the fear of failure creep into your college planning journey Understand the difference between homework and study and the skills each requires Self-advocacy is an invaluable lesson to teach kids in middle and high school This conversation provides a deeper understanding of the emotional impact of the college planning process on students and parents, as well as valuable resources and parenting perspectives. I hope you can reflect, relate, and rethink how we guide our children through one of life's most transformative passages. Please enjoy my conversation with Holly Markiecki-Bennetts. 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 [email protected] 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

ubscribe to the show on Apple Podcast |Google Podcast | Amazon Music | Spotify At retirement, your whole financial life essentially collapses down to one binary question: will your money outlive you, or will you outlive your money? Volatility in the market is often seen as a risk, but it's important to differentiate between the two. The real risk lies in not having a plan that can sustain your financial needs throughout retirement. It's not about meeting a benchmark; it's about developing a plan and staying committed to it. The dominant factor in long-term financial outcomes isn't just your investment performance – it's your investment behavior. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on Facebook and LinkedIn. And feel free to email Paul at [email protected] with any feedback, questions, or ideas for future guests and topics.

What does the mainstream media get wrong in their economy and stock market coverage? How much does the economy influence the stock market and vice versa? Neil Dutta, a noted business economist from Renaissance Macro Research and father of 1 plus twins, takes us on a journey into investment advice's economics and shattering stereotypes mainstream media dishes out. Neil will debunk the myth of the 'doomer' in investment circles and offers a fresh perspective on current economic conditions, including inflation and the labor market. My conversation goal with Neil is to help you not accept what economic headlines you read or hear. Our economy is a complex organism that cannot be explained in a two-minute segment. This is why I rely on experts like Neil who can help me dig deeper and provide meaningful information to you and families I work with. Please enjoy my conversation with Neil Dutta. 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 [email protected] 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

Subscribe to the show on Apple Podcast |Google Podcast | Amazon Music | Spotify In the midst of disappointment, our emotions can run hot. Whether it's parenting, finances, or life in general, understanding the impact of emotions on our choices is crucial. Making decisions in the heat of the moment rarely leads to positive outcomes. Instead, creating space to step back, breathe, and gain clarity allows for better, more informed decisions. By being aware of our emotions, we can make strides toward achieving balance and clarity in our decision-making process. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on Facebook and LinkedIn. And feel free to email Paul at [email protected] with any feedback, questions, or ideas for future guests and topics.

Most couples think they end up in a therapist's office to talk about sex and money. But it's really deeper underlying issues couples are looking to hash out. Dr. Joy Lere, a licensed clinical psychologist and co-founder of Shaping Wealth, is a leading voice in the psychology of money and applied behavioral finance. In her practice, Joy has observed that individuals find it easier to disclose the details of their intimate encounters than to reveal the figures in their bank accounts. Joy's expertise lies in unraveling the profound connection between money and self-esteem, understanding it as an emotional flashpoint for couples and parents. Key Takeaways Self-awareness is a Superpower - Learn to wield the power of understanding your own and your partner's money script to build a stronger financial future together. Financial Wellness is a Team Sport - Embrace financial discussions and check-ins with your partner as a path to closer bonding rather than a chore. Hint: Check out temptation bundling to make this process more enjoyable! Joy discusses the complexities that arise when individuals in a relationship come from diverse financial backgrounds, acknowledging that such differences are frequently the seedbed for conflict. Joy's insights shed light on people's silent struggles when discussing earnings, identifying money as a cornerstone of personal identity that people fiercely guard. Please enjoy my conversation with Dr. Joy Lere. 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 [email protected] with any feedback, questions, or ideas for future guests and topics.

Do you give an honest answer when someone asks, "How are you doing?" Or do you give the typical generic response about how "busy" you are? Paul Graham is an investor who has worked with thousands of startup companies and is also a prolific writer. I imagine that Paul has some valuable insights into what it means to be busy. The central thesis behind our discussion is Paul's essay "How to lose time and money." Within it, I go deep into the idea that the most dangerous way to lose time is not to spend it having fun but doing fake work. 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 [email protected] with any feedback, questions, or ideas for future guests and topics.

Trust that today's conversation holds valuable guidance for those grappling with the emotional hurdles of a career change or fine-tuning work-life balance, especially busy parents. We welcome back our resident career expert, Carrie Schochet of Purple Squirrel Advisors, to discuss everything from the delicate balance of flexibility in the workplace to maintaining privacy during a job search. Here are a few key topics The strategic use of AI to navigate resumes, job applications, and interview questions, The subtle art of exploring new opportunities without commitment and The psychology of changing careers or jobs while understanding the emotional hurdles between the two. The pandemic has reshaped the work environment. We confront the challenges and benefits of remote work, considering parents' perspectives, the desire for flexibility and social interaction, and what this means for the future of workplaces. Please enjoy my conversation with 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 [email protected] with any feedback, questions, or ideas for future guests and topics.

The Gap and The Gain Do you see the horizon, but it's not moving? Our purpose is a lot like the horizon; it is helpful to figure out your direction and to plan your journey, but you can't reach your purpose any more than you can arrive at the horizon. A few years ago, I came across a book by Dan Sullivan titled The Gap and The Gain. It was somewhat life-changing at the time and continues to hold a theory I wrestle with today. A theory I discuss with the families I work with and even my kids. The idea we discuss in this episode is how we measure progress by looking back from where we started, rather than comparing ourselves to an ever-changing endpoint. Follow the Show And Never Miss an Episode Listen on Apple, Spotify, Amazon Music, Work With Paul Contact Paul at https://www.tammacapital.com/contact or use this scheduling tool to set up your free alignment meeting. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on Facebook and LinkedIn. And feel free to email Paul at [email protected] with any feedback, questions, or ideas for future guests and topics.

Christina Gravert, a behavioral scientist and a new mother, has something to say about motivation and habits. Ten months after welcoming a baby into her life, Christina confronts a reality familiar to many: the struggle of balancing personal objectives, like returning to the gym, with the demands of parenthood. Her experiences have led her to probe deeper into the nature of motivation and its limitations. Christina understands firsthand that motivation, like any fleeting emotion, can wax and wane. Through her research, Christina concludes that sheer willpower is not a sustainable strategy for long-term behavior change. Instead, Christina advocates for a more strategic approach in her insightful article, Why Triggering Emotions Won't Lead to Lasting Behavior Change By reducing the "costs" associated with desired actions—making it to the gym, engaging in bedtime storytelling, or cooking healthy meals at home—we can make it easier to maintain these practices even when our motivation dips. Her thoughts resonate with many who have found themselves setting ambitious New Year's resolutions, only to see their determination fade into daily life's distractions and competing priorities. Christina Gravert's insights encourage us to rethink our reliance on motivation and to create environments and systems that support our objectives, making desirable behaviors more effortless. Resources Featured in This Episode: Christina Gravert Why Triggering Emotions Won't Lead to Lasting Behavior Change Hal Hershfield – Your Future Self: How to Make Tomorrow Better Today Follow the Show And Never Miss an Episode Listen on Apple, Spotify, Amazon Music, Work With Paul Contact Paul at https://www.tammacapital.com/contact or use this scheduling tool to set up your free alignment meeting.

Do you know what the difference between tax planning and preparation is? Were you even aware that this is a difference between the two? Today, we delve into the often-misunderstood differences between tax preparation and tax planning. With tax season upon us, it's crucial for everyone to grasp the objectives and intricacies of both. We discuss practical examples of tax planning, from retirement account contributions to college planning and charitable contributions. Additionally, we outline the numerous benefits of tax planning, including long-term savings, improved investment efficiency, enhanced retirement planning, and overall peace of mind. Tax planning is an essential part of a holistic approach to personal finance, aligning closely with your family's purpose and objectives, which are both personal and financial. Taxes touch every part of your personal and financial life. By understanding and utilizing tax prep and tax planning, your family can make more informed decisions supporting your short and long-term objectives. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on Facebook and LinkedIn. And feel free to email Paul at [email protected] with any feedback, questions, or ideas for future guests and topics. Follow the Show And Never Miss an Episode Listen on Apple, Spotify, Amazon Music, Work With Paul Contact Paul at https://www.tammacapital.com/contact or use this scheduling tool to set up your free alignment meeting.

oday, we're diving into the second part of our insightful series with college planning expert Heidi King. If you thought college planning was just about selecting the right campus vibes for your kids, prepare to think again. We continue unraveling the complexities of the modern financial aid landscape, a terrain changed by replacing the expected family contribution with the new student aid index, shifting how college costs are calculated and how families can prepare. Get ready to dive into the nuances of the FAFSA (Free Application for Federal Student Aid), its role in college marketing, its simplification, and why even those who might not expect to qualify for aid should still fill it out. Heidi brings us personal stories from the frontlines of college tours and campus visits, insights into the often-overlooked details of financial aid packages, and the finer points of scholarship stacking and its pitfalls. Please enjoy my conversation with Heidi King. Part 1 - Heidi King - The High Stakes of College Planning for Parents For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on Facebook and LinkedIn. And feel free to email Paul at [email protected] with any feedback, questions, or ideas for future guests and topics. Follow the Show And Never Miss an Episode Listen on Apple, Spotify, Amazon Music, Work With Paul Contact Paul at https://www.tammacapital.com/contact or use this scheduling tool to set up your free alignment meeting.

Are you feeling overwhelmed with college planning? If you're a high school senior or a parent navigating the college search process, it's understandable if you're feeling anxious. To help guide you through this process, our host Paul Fenner shared a comprehensive list of questions to ask during your college search in the latest episode of Emotional Balance Sheet. Paul outlines key questions to ask during your college search, covering academic, social, and lifestyle aspects. From admissions and financial aid to campus life and academic support, we've got you covered. Plus, we've included a handy list in the show notes for your reference. Stay tuned for expert insights on maximizing financial aid and tax implications. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on Facebook and LinkedIn. And feel free to email Paul at [email protected] with any feedback, questions, or ideas for future guests and topics. Follow the Show And Never Miss an Episode Listen on Apple, Spotify, Amazon Music, Work With Paul Contact Paul at https://www.tammacapital.com/contact or use this scheduling tool to set up your free alignment meeting.

When is the right time to talk with your kids about planning for college? Why is finding the "right fit" school so critical, and what criteria do you use to choose it? Heidi King has a front-row seat in helping parents guide their kids through the college planning process, especially regarding the tough emotional side. Heidi entered college advising after a mid-career change driven largely by not finding the resources her family needed as she went through the college planning journey with her two sons. Three Key Takeaways There are real costs to not finding the "right fit" school. Transferring schools can increase the cost of college by $14,000 - $24,000. With 38% of students ending up transferring, it's crucial to consider the 'right fit' before commencing. It's essential to start early conversations about college expenses, financial affordability, and how much parents are willing to support their kids. The 'right fit' includes evaluating academic, social, and financial aspects. Considering the learning style, competitiveness, experiential learning (academics), size, Greek life, sports, and location (social), along with the cost (financial), is critical to finding that perfect fit. We also touch on why tuition costs have skyrocketed and how the college planning landscape has changed due to COVID-19. Whether you're a parent exploring college options with your high schooler or wondering when to begin having conversations with your middle schooler, there is something in this conversation for every parent and family. Please enjoy my conversation with Heidi King. For show notes and resources discussed in this episode, visit tammacapital.com/102. For more episodes, go to tammacapital.com/podcast. Follow Paul on Facebook and LinkedIn. And feel free to email Paul at [email protected] with any feedback, questions, or ideas for future guests and topics.

Today I reflect on the milestone of my triplets turning 13 years old and the anniversary of starting his firm, Tama Capital. I share the significance of the name "Tama" and how it represents families helping families. Through personal anecdotes and engaging conversations with others, I delves into the concept of time, emphasizing the importance of cherishing moments and being present in both parenthood and relationships. Join me as we explore the profound impact of the phrase "the days are long, but the years are short," and its relevance to navigating life's milestones and chaotic moments. Follow the Show And Never Miss an Episode Listen on Apple, Spotify, Amazon Music, Work With Paul Contact Paul at https://www.tammacapital.com/contact or use this scheduling tool to set up your free alignment meeting.

Subscribe to the show on Apple Podcast | Amazon Music | Spotify UCLA Professor and author Cassie Holmes helps us unravel the intricacies of time management and emotional investment, offering valuable insights that can reshape the way you approach your daily life. We delve into the challenges of balancing a busy life, the inspiration behind "Happier Hour," and strategies to maximize productivity and happiness. Cassie's journey from being an assistant professor and a new mom to crafting a fulfilling schedule will resonate with anyone grappling with time constraints. Our conversation concludes with a powerful message – intentional time investment is the key to transforming time poverty into time prosperity. By savoring ordinary moments, investing attention in relationships, and finding joy in everyday activities, you can reshape your emotional balance sheet for a richer and more satisfying life. Please enjoy my conversation with Cassie Holmes Resources Featured in This Episode: Cassie Holmes Happier Hour: How to Beat Distraction, Expand Your Time, and Focus on What Matters Most Hal Hershfield - Your Future Self: How to Make Tomorrow Better Today For additional resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on Facebook and LinkedIn. And feel free to email Paul at [email protected] with any feedback, questions, or ideas for future guests and topics.

In this episode of Emotional Balance Sheet, I dive into the topic of predictions and why it's crucial to steer clear of them, especially when it comes to the stock market and the economy. Join me as I share insights on the impact of predictions and why having a flexible approach is key to successful portfolio management. This episode is brought to you by Tamma Capital. Key Takeaways: - The stock market and the economy are not always aligned. Understanding the distinction is crucial in making informed financial decisions. - Short-term market movements may not significantly impact your long-term financial plan. Keeping a focus on long-term goals is essential. - Avoid getting caught up in predictions propagated by social media and mainstream news. Stay informed, but don't let predictions dictate your financial decisions. Tune in for a deeper dive into this important topic and gain valuable insights for your financial journey. Listen to the full episode on Emotional Balance Sheet. Follow the Show And Never Miss an Episode Listen on Apple, Spotify, Amazon Music, Work With Paul Contact Paul at https://www.tammacapital.com/contact or use this scheduling tool to set up your free alignment meeting.

Allison Schrager is an economist and writer who has taken on the complex subject of risk in her illuminating works. With astute perception and a flair for engaging storytelling, Allison seeks to debunk commonly held myths about risk—challenging the widely accepted mantra of 'no risk, no reward.' Allison's work probes into the subtleties of risk management, emphasizing that while society often chooses to ignore the inherent trade-offs of pursuing greater rewards, acknowledging these risks is crucial for not only successful investing but in every aspect of life Two Key Takeaways Financial planning must transcend beyond portfolio performance to include risk management and lifestyle planning. Consideration of inflation uncertainty and purchasing power is vital for the health of your financial future. Please enjoy my conversation with Allison Schrager.

Eight years ago, I was introduced to someone who helped change the direction of my life. I am quite positive that I am not the only person whose life has been impacted by this one person. The funny thing, this is the first time that I have been able to speak with and thank Scott Hanselman. Scott Hanselman is a programmer, teacher, and speaker. Although Scott maintains a full-time role for the Web Platform Team at Microsoft, it is his obsession and enthusiasm for technology and deliberate practice that I have found him to be an impactful person in my life. I strongly encourage you to watch Scott's talk, Scaling Yourself, which is applicable for parents, younger people beginning their careers, and for people who find themselves in the throes of a life transition. Our conversation is wide-ranging, covering how we can give ourselves the gift of grace, asking ourselves if we are saving babies, and how to be intentional with our time and those around us. Please enjoy my conversation with Scott Hanselman. For more episodes, go to tammacapital.com/podcast. Follow Paul on Facebook and LinkedIn. And feel free to email Paul at [email protected] with any feedback, questions, or ideas for future guests and topics. Resources Featured in This Episode: Scott Hanselman Scaling Yourself - Video

We all know the importance of taking a breather, stepping away from our daily grind and responsibilities to recharge and rejuvenate. But how many days of vacation do we truly need to achieve that state of zen, that perfect balance between work and life? In the whirlwind of life, we often find ourselves caught up in the vortex of work, family, and societal obligations. It's like a never-ending marathon, and we sometimes forget the necessity of pausing, of taking a breather. But, let's be honest, a single day off isn't enough to unwind. It's like taking a quick sip of water during a marathon; it helps but doesn't quite quench the thirst. Spend some time exploring the connection between the duration of vacations and their impact on decision-making. As some research has pointed out, eight days could be the optimal length for a break to enhance cognitive function and financial planning abilities. Ultimately, the perfect vacation is not about the number of days off but how well you can disconnect, rejuvenate, and return to your life with renewed energy and a fresh perspective. Whether that takes four days, eight days, or two weeks is entirely up to you. So, go ahead and plan your vacation. Your financial plan will thank you for it. For show notes and resources discussed in this episode, visit tammacapital.com/podcast. For more episodes, go to tammacapital.com/podcast. Follow Paul on Facebook and LinkedIn. And feel free to email Paul at [email protected] with any feedback, questions, or ideas for future guests and topics.

How many life transitions have you been through? What did you learn about yourself going through them? Bruce Fieler is the author of seven New York Times bestsellers and an avid collector and analyzer of life stories. Years ago, Bruce began a journey when he embarked on a project to document the experiences of Americans from all walks of life. Little did he know that this venture would lead him to delve into the realm of transitions, a concept that seemed foreign to him initially. Bruce introduces the term "lifequakes" from his countless conversations to describe massive disruptions lasting up to five years. It's astounding to learn that the average person goes through three to five lifequakes, spending nearly half of their life in transition. Bruce and I discover how these "lifequakes" intertwine and impact our financial lives throughout the three stages of transitions: the long goodbye, the messy middle, and the new beginning. From my discussion with Bruce, I hope it helps you find a better way to understand how life transitions can help us grow and uniquely shape our lives by identifying our purpose and aligning our actions with our values. Please enjoy my conversation with Bruce Feiler. For show notes and resources discussed in this episode, visit tammacapital.com/123. For more episodes, go to tammacapital.com/podcast. Follow Paul on Facebook and LinkedIn. And feel free to email Paul at [email protected] with any feedback, questions, or ideas for future guests and topics.

Strategically using a bonus can boost your financial health, increase your peace of mind, and even enjoy the fruits of your labor with limited regret. Instead of spending a bonus all at once, consider intentionally distributing it to different areas of your financial plan. This includes paying down debt, funding an emergency account, investing in retirement plans, investing in children's future (like a 529 college savings plan), and even some self-celebration. A balanced wealth management plan, considering lifestyle and financial objectives, allows for better decision-making, stress reduction, and faster progress toward financial goals. It's crucial to ensure that the allocation of resources aligns with your purpose both personally and financially. For show notes and resources discussed in this episode, visit tammacapital.com/122. For more episodes, go to tammacapital.com/podcast. Follow Paul on Facebook and LinkedIn. And feel free to email Paul at [email protected] with any feedback, questions, or ideas for future guests and topics.

How would your life change emotionally, physically, and mentally after the loss of a child? Debbie Gail is a strong, resilient woman who has transformed her pain into her purpose. Her journey began when she faced the challenges of her son's mental illness and addiction, eventually leading to his tragic loss. Throughout our conversation, Debbie takes us on her journey of finding peace and purpose amidst the challenges of her loved one's mental illness and addiction struggles. Debbie realized early on that her need for certainty fueled her fear and prevented her from finding inner peace. Replacing the need for certainty with a desire to contribute and help others was a powerful way for Debbie to choose peace over fear. Debbie discovered her true calling - to support and guide other parents and family members who were going through similar struggles. Waiting for circumstances to be perfect is unnecessary, and Debbie encourages parents to embrace their children as they are, starting from now. Debbie's passion for helping other parents contributed to her writing a book, Finding Peace and Purpose amidst the Tears, so no parent feels alone. The most important point in our conversation is this; living in peace and not fear is a choice. Please enjoy my conversation with Debbie Gail. For show notes and resources discussed in this episode, visit tammacapital.com. For more episodes, go to tammacapital.com/podcast. Follow Paul on Facebook and LinkedIn. And feel free to email Paul at [email protected] with any feedback, questions, or ideas for future guests and topics.

One aspect or secret to happiness can be found through strategic spending— not just spending on possessions or experiences but on what truly holds purpose in your life. It's not about how much money you have, but how you spend it significantly affects your happiness. Research supports the idea that spending money on experiences rather than things leads to greater happiness, as the novelty of new possessions tends to fade quickly. Additionally, trying to keep up with wealthier peers, even if you're relatively well-off, can lead to dissatisfaction and unhealthy spending habits. To enhance your happiness and financial stability, align your spending with your purpose and long-term life objectives. This might involve investing in people, causes, or long-term projects you care about. When we mismanage our money or our spending patterns go awry, we can feel sick and broke. How you spend your money and your physical health can have a strong correlation. When you spend money in a way that serves the purposes you intend it for, you can create happiness as well as financial stability. For show notes and resources discussed in this episode, visit tammacapital.com/102. For more episodes, go to tammacapital.com/podcast. Follow Paul on Facebook and LinkedIn. And feel free to email Paul at [email protected] with any feedback, questions, or ideas for future guests and topics.

Have you ever thought about a mid-career pivot? Staring down the uncertainty of making a bold decision when a new opportunity arises? Toby Brooks, a professor at Texas Tech University, has made his fair share of career pivots. With a background in athletic training, Toby and his wife crisscrossed the country trying to secure a position with a professional sports team. A pivotal life transition came to Toby when he realized he was missing out on precious time with his family. Upon seeing his nine-month-old daughter walk for the first time after returning from a work trip, Toby shifted his focus and prioritized his role as a husband and father. That transition led Toby to pursue a full-time position in academia, where he could still significantly impact students pursuing their dreams. Toby uses his personal experience to motivate and guide students, reminding them to find harmony between ambition and family. A theme of our conversation that represents itself repeatedly, especially as parents, is to savor the moments. As our relationships evolve with our children, the importance of staying connected with their interests and savoring the precious "lasts" each year as they grow older are priceless. Please enjoy my conversation with Toby Brooks. For show notes and resources discussed in this episode, visit tammacapital.com. For more episodes, go to tammacapital.com/podcast. Follow Paul on Facebook and LinkedIn. And feel free to email Paul at [email protected] with any feedback, questions, or ideas for future guests and topics.

Imagine waking up one day, taking a moment to reflect on everything you've done, only to realize that everything should have been… well, more. Not in the materialistic sense, but more in-depth, more in enthusiasm, more in meaning. This isn't about being greedy or trying to avoid regrets. If you've read Dan Pink's book "The Power of Regrets," you'll understand it's not about regret avoidance. It's more about truly understanding and defining what 'enough' feels like for you. Discover the three key steps to redefine your life and unlock your full potential in wealth management. Expect more of yourself. Redefine what you think is possible for yourself. Re-evaluate your strategy, and when necessary, change it. The challenge to ask yourself today is, are you living a life less ordinary? Take time to reflect on what 'more' looks like for you and whether you're on that path. For show notes and resources discussed in this episode, visit tammacapital.com/podcast. For more episodes, go to tammacapital.com/podcast. Follow Paul on Facebook and LinkedIn. And feel free to email Paul at [email protected] with any feedback, questions, or ideas for future guests and topics.

What would you do as a parent to save your struggling relationship with your kid? Ann Coleman is a former attorney who specialized in divorce, child custody, and adoption cases. Through raising her adopted son, Ann found herself deep in research, becoming a parenting expert on how to talk with teenagers struggling with anxiety, substance abuse, and mental health challenges. Sharing the details of her experiences as a parent, Ann walks us through her extensive research on the teenage brain and how it shaped her approach to parenting and led her to create resources for parents to use. Throughout our conversation, Ann provides practical advice and highlights the need for self-awareness and intentional reactions in dealing with children's emotions. Remember, reasoning with a child during emotional meltdowns often proves ineffective. Wait for a calm moment to have a thoughtful conversation. Please enjoy my conversation with Ann Coleman. For show notes and resources discussed in this episode, visit https://tammacapital.com/ann-coleman-parenting-emotional-wellness/. For more episodes, go to tammacapital.com/podcast. Follow Paul on Facebook and LinkedIn. And feel free to email Paul at [email protected] with any feedback, questions, or ideas for future guests and topics.

Understand how financial decisions, big or small, can impact your family's happiness and well-being while equipping your children with an understanding of financial responsibility that ensures they make informed, conscious decisions aligned with their values and life purpose. Conscious financial decision-making contributes to happiness: Every expenditure, big or small, reflects our priorities and affects our overall happiness and well-being. Teaching financial responsibility is essential for kids: Instilling an entrepreneurial mindset and an understanding of financial responsibility from an early age is crucial. A valuable parenting lesson is to teach our kids early that every dollar represents a choice, a step towards a future they have the power to shape. For show notes and resources discussed in this episode, visit tammacapital.com/102. For more episodes, go to tammacapital.com/podcast. Follow Paul on Facebook and LinkedIn. And feel free to email Paul at [email protected] with any feedback, questions, or ideas for future guests and topics.

What would frequent relocations mean to your career? How would you be able to handle the constant transitions? Michelle Zak has seen her share of transitions as a former Army officer. But as Michelle moved from military to civilian life, her husband remained in the military, requiring constant relocation. Finding a career that could move with her was a daunting task. Ultimately deciding to control her own destiny, Michelle was able to carve out opportunities on her own, leading to her launching Four Tabs Design. Michelle shared her process of identifying her passions and strengths, creating opportunities for herself, and acknowledging the element of luck involved in finding the right clients and platforms for her work. As someone with a military background, Michelle discussed the importance of autonomy and flexibility in leadership while recognizing the military's emphasis on following a formula. She sees her current situation as an opportunity to exercise autonomy and achieve her goals on her own terms. Please enjoy my conversation with Michelle Zak. For show notes and resources discussed in this episode, visit tammacapital.com/115. For more episodes, go to tammacapital.com/podcast. Follow Paul on Facebook and LinkedIn. And feel free to email Paul at [email protected] with any feedback, questions, or ideas for future guests and topics.

Have you ever wondered what Instagram would look like if it showed the real financial stories behind those perfect snapshots — the bills, budgets, and sacrifices — and how it could transform our understanding of wealth and financial planning? An honest reflection of our lives on platforms like Instagram, including the financial challenges and sacrifices behind the scenes, would provide a more realistic understanding of wealth and lifestyle. While it's easy to be enticed by the glamorous life that Instagram often portrays, it's crucial to understand the realities behind those snapshots. An honest Instagram, one that includes not only the highlights but also the challenges and sacrifices, would give a more accurate portrayal of what everyday life truly is. For show notes and resources discussed in this episode, visit tammacapital.com/114. For more episodes, go to tammacapital.com/podcast. Follow Paul on Facebook and LinkedIn. And feel free to email Paul at [email protected] with any feedback, questions, or ideas for future guests and topics.

The Covid pandemic impacted all of us in some way, but for some, it changed their lives for better and worse. As a mental health counselor at an academic institution, Dr. Erin Halligan-Avery needed a creative and effective way to connect students with the help they needed without meeting 1:1 with every student. This difficult situation ultimately set the foundation for Erin to become an entrepreneur. There are often negative connotations associated with reaching out for mental health support. However, Erin discusses how reporting someone in need and reframing it as an act of care and support from the community highlighted the intention behind helping individuals become their best selves and improving together. As a highly sensitive person, Erin shared her personal struggle with the decision to stay in her current job or take a leap of faith and start her own business running the Concern Center full-time. It took her a few months to accept this decision and embrace the role of a risk-taker. Erin stressed the importance of finding trusted advisors and meaningful connections. She shared how relying on a community-based approach, asking for help, and embracing support can lead to success. Please enjoy my conversation with Dr. Erin Halligan-Avery. For show notes and resources discussed in this episode, visit tammacapital.com/113. For more episodes, go to tammacapital.com/podcast. Follow Paul on Facebook and LinkedIn. And feel free to email Paul at [email protected] with any feedback, questions, or ideas for future guests and topics.

What do we do when we reach a crossroads in life? How can we transform a tragedy into something meaningful that helps others? Damon Parker comes from a family of educators, with his parents and grandparents all having careers in teaching. But after reaching a crossroads in his teaching career, Damon found an opportunity in coaching wrestling and public speaking. After successfully building a championship wrestling team, Damon's perspective shifted, which led him to help co-found the Jones Project in memory of Josh Jones, the nonprofit's namesake who died of suicide in March 2021. The Jones Project's mission is to bring a message of hope and healing to secondary students through the power of storytelling. Damon's gripping 60-minute presentations are not solely directed at students who are in crisis; they also are for those in the audience who don't have firsthand experience with mental health illnesses. Mental health matters, and it begins with all of us being aware of each other as parents, kids, and friends. Please enjoy my conversation with Damon Parker. For show notes and resources discussed in this episode, visit tammacapital.com/112. For more episodes, go to tammacapital.com/podcast. Follow Paul on Facebook and LinkedIn. And feel free to email Paul at [email protected] with any feedback, questions, or ideas for future guests and topics.

Do you feel unsupported in your current career position? Is the grind of your current corporate role more than you can bear? After being laid off multiple times, including once during her maternity leave, Sarah Khan felt unsupported by her employers multiple times, including during the pandemic lockdown. Sarah decided to detox herself from the corporate programming that had run her life and begin a new journey as an entrepreneur, specifically working with women. Sarah's rehab transition made her realize that the corporate mindset of equating time spent with money earned needs to be re-examined. Sarah points out the importance of cultivating the ability to trust oneself in entrepreneurship and focusing on the foundational aspects of starting a business, such as identifying the ideal client and engaging in revenue-generating activities. For any parent out there deliberating a career change, Sarah's story points out; you can be a parent and an entrepreneur; the two are not mutually exclusive. Please enjoy my conversation with Sarah Khan. For show notes and resources discussed in this episode, visit tammacapital.com/110. For more episodes, go to tammacapital.com/podcast. Follow Paul on Facebook and LinkedIn. And feel free to email Paul at [email protected] with any feedback, questions, or ideas for future guests and topics.

As parents, what does it mean to have harmony between your personal and financial life? A demanding career, demanding kids, demanding spouse? As a mom of four, including a set of twins, Marisa Lonic checked all those boxes (except for maybe the demanding husband) but was also asking, "What about me?" Marisa, like most parents, was not in a position to just quit her job and start something new, especially considering that her career was part of her ambitious self. However, eventually, she transitioned from her full-time corporate career into her own business. Throughout our conversation, Marisa shares great advice on developing reasonable objectives that work with your lifestyle, finding an accountability partner, and recognizing and managing your inner work to achieve long-term success. Please enjoy my conversation with Marisa Lonic. For show notes and resources discussed in this episode, visit tammacapital.com/109. For more episodes, go to tammacapital.com/podcast. Follow Paul on Facebook and LinkedIn. And feel free to email Paul at [email protected] with any feedback, questions, or ideas for future guests and topics.

Have you reached a point where you want to sleep in a different room because you can no longer physically sleep in the same bed as your spouse or partner? Full disclosure, my wife and I had reached this point where sleep loss was negatively impacting both of us. This is where internationally recognized sleep expert Dr. Wendy Troxel comes into play. Wendy is a Senior Behavioral and Social Scientist at the RAND Corporation and holds adjunct faculty positions at the University of Pittsburgh and the University of Utah. A licensed clinical psychologist and certified behavioral sleep medicine specialist, she is passionate about helping people get the sleep they need to perform at their best and live life to its fullest. Sleep, or lack thereof, has ramifications throughout our lives with our personal relationships and financial decisions. "When people are not rested, or at their best, they don't make sound personal or financial decisions." Sleep is this critically important health behavior, and it happens to be the one health behavior that couples regularly engage in together. Please enjoy my conversation with Dr. Wendy Troxel. For show notes and resources discussed in this episode, visit tammacapital.com/108. For more episodes, go to tammacapital.com/podcast. Follow Paul on Facebook and LinkedIn. And feel free to email Paul at [email protected] with any feedback, questions, or ideas for future guests and topics.

Parents, can we really have it all? A thriving career, time with our significant other, and relationships with our kids? Lori Oberbroeckling is a wife, mom of four, author, photographer, and corporate leader. Lori helps parents, especially moms who want to be extraordinary, present, and have an amazing career. So how can you find harmony amid the daily grind? Lori shares insights from her book Secrets of Supermom (dads, this book also applies to us, so don't let the title fool you) on real-life strategies parents can begin implementing today. A key takeaway is how we explore setting routines for homework, and household tasks can make life easier and eliminate power struggles and conflicts. We also address the guilt we can feel as parents and the stress it places on the entire family. Please enjoy my conversation with Lori Oberbroeckling For show notes and resources discussed in this episode, visit tammacapital.com/107. For more episodes, go to tammacapital.com/podcast. Follow Paul on Facebook and LinkedIn. And feel free to email Paul at [email protected] with any feedback, questions, or ideas for future guests and topics.

Are you struggling to make decisions that will benefit your future self? Are you constantly prioritizing short-term gains over long-term success? Anne Wilson is a professor at Wilfrid Laurier University and part of Laurier's Social Psychology program. Anne is fascinated by how people behave, think, and understand themselves and their social worlds, especially regarding how people make decisions. During our conversation, we explore the science behind motivation and decision-making for our long-term selves. We examine the concept of temporal discounting and how to combat it by making our future selves feel closer to our present selves. Anne also points out how to balance the need for distance and reflection to cope with trauma and negative experiences. Our memories and perception of time are malleable, and we discuss how to use this to our advantage to shift our mindset and accomplish our goals. We also discuss strategies for parents to support their children's growth mindset and handling failures. Please enjoy my conversation with Anne Wilson. For show notes and resources discussed in this episode, visit tammacapital.com/106. For more episodes, go to tammacapital.com/podcast. Follow Paul on Facebook and LinkedIn. And feel free to email Paul at [email protected] with any feedback, questions, or ideas for future guests and topics.

Have you ever looked into the mirror to give your future self the time it deserves? Hal Hershfield is a social psychologist whose research focuses on decision making. As a professor of marketing and behavioral decision making at UCLA's Anderson School of Management, he has an interdisciplinary approach to understanding how people make their decisions. In his new book, Your Future Self, Hal delves into the philosophy and psychology of how we perceive ourselves over time, identifying three common time travel mistakes and offering practical techniques to bring the future closer. We discuss the importance of considering our present and future decisions, taking small steps towards future goals, and avoiding overloading ourselves in the present. Three takeaways Research shows that people who feel a sense of similarity with their future selves tend to be more satisfied with their lives 10 years later. Decisions regarding trade-offs such as buying an expensive car or taking out a bigger mortgage impact us through time, and the more connected we feel towards our future selves, the more likely we are to make decisions that will benefit us in the future. Our future self becomes more vivid as we get older, especially as we approach mid-life. For parents, every year is a transition, and every stage of parenting is tied to them, causing you to think more about your future self in relation to your children's future. This episode provides practical techniques for bringing the future closer and making present sacrifices feel easier "If we start thinking about investments of time, rather than expenditures, maybe we'll start focusing on allocating time toward the things that are more closely linked to our longer-term well-being," Please enjoy my conversation with Hal Hershfield. For show notes and resources discussed in this episode, visit tammacapital.com/105. For more episodes, go to tammacapital.com/podcast. Follow Paul on Facebook and LinkedIn. And feel free to email Paul at [email protected] with any feedback, questions, or ideas for future guests and topics.