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TAMMA Capital
Welcome to the Emotional Balance Sheet, the go-to podcast for parents with multiple kids, especially those with twins, triplets, or more, who are navigating the maze of modern family life and personal finance. Whether you're overwhelmed by education costs, retirement planning, career transitions, or trying to define your purpose and plan, we're here to guide you with empathy, expertise, and encouragement. Hosted by Paul Fenner, Founder of TAMMA Capital, a Certified Financial Planner®, and parent to 4 kids, including a set of triplets, our podcast is your ally in the quest for financial peace of mind, proving that money matters, but family comes first. We understand that today's parents are juggling multiple financial and lifestyle priorities. That's why each episode is packed with actionable insights and real-world solutions that fit the needs of busy families. Subscribe now and join our community of empowered parents at tammacapital.com.
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Paul Fenner        Optimize Your Spending to Increase Your Happiness

Paul Fenner Optimize Your Spending to Increase Your Happiness

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.
09:3016/11/2023
Toby Brooks – Savoring the Now: Mid-Career Pivots and the Human Experience

Toby Brooks – Savoring the Now: Mid-Career Pivots and the Human Experience

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.
48:2309/11/2023
Are You Living a Life Less Ordinary?

Are You Living a Life Less Ordinary?

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.
08:2402/11/2023
Ann Coleman – Parenting and Emotional Wellness: Strategies for Navigating Adolescence

Ann Coleman – Parenting and Emotional Wellness: Strategies for Navigating Adolescence

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.
56:0326/10/2023
Every Dollar is a Choice: Parenting & Building Families with Conscious Spending

Every Dollar is a Choice: Parenting & Building Families with Conscious Spending

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.
09:3819/10/2023
Michelle Zak – Making Opportunities Where There Are None

Michelle Zak – Making Opportunities Where There Are None

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.
40:1612/10/2023
Financial Reality Through an Unfiltered Lens: The Honest Instagram

Financial Reality Through an Unfiltered Lens: The Honest Instagram

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.
11:4405/10/2023
Dr. Erin Halligan-Avery – From Struggles to Solutions: Choosing Between Career Stability and Entrepreneurship

Dr. Erin Halligan-Avery – From Struggles to Solutions: Choosing Between Career Stability and Entrepreneurship

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.
39:5128/09/2023
Damon Parker – Finding Joy in Progress: From Tragedy to Transformation

Damon Parker – Finding Joy in Progress: From Tragedy to Transformation

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.
44:5114/09/2023
Sarah Khan – Career Rehab: Breaking Free from Corporate Mindsets to Build a Life-Aligned Business

Sarah Khan – Career Rehab: Breaking Free from Corporate Mindsets to Build a Life-Aligned Business

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. 
44:3617/08/2023
Marisa Lonic – Breaking the Busy Stereotype: Redefining Time Management for Parents

Marisa Lonic – Breaking the Busy Stereotype: Redefining Time Management for Parents

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. 
41:5903/08/2023
Dr. Wendy Troxel – Sharing the Covers: Every Couple's Guide to Better Sleep

Dr. Wendy Troxel – Sharing the Covers: Every Couple's Guide to Better Sleep

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.
47:5520/07/2023
Lori Oberbroeckling – Secrets of a Super Mom

Lori Oberbroeckling – Secrets of a Super Mom

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.
54:3206/07/2023
Anne Wilson – Making Long-Term Decisions Despite Roadblocks

Anne Wilson – Making Long-Term Decisions Despite Roadblocks

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. 
41:1022/06/2023
Hal Hershfield – Your Future Self: How to Make Tomorrow Better Today

Hal Hershfield – Your Future Self: How to Make Tomorrow Better Today

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. 
42:0108/06/2023
Corrie LoGiudice – The Five Cs: A Blueprint for Overcoming Overwhelming Situations for Parents

Corrie LoGiudice – The Five Cs: A Blueprint for Overcoming Overwhelming Situations for Parents

How many life transitions have you been through?  Big or small?  How often? Corrie LoGiudice has transitioned through abuse, homelessness, and divorce, to name a few life-changing events.  But as a successful career and business coach, Corrie has turned her life-changing transitions into a unique ability to help others through their own life transitions.  As a mother of two, Corrie understands the pressures working parents face, so she developed a concept called the "five Cs" to help parents address overwhelming situations.  "I stepped down from the family business, decided to bank in on my emergency savings.  I had six months of emergency savings that I was like, you know what?  It's an emergency on my soul.  I'm going to build my business." Three takeaways There are "five overwhelming culprits" stealing working parents' time and sanity: clarity, confidence, community, conditioning, and consistency. Personal mission and fulfilling impact are crucial for parents in their business or career. Finding the right fit for coaching is important and can be compared to finding the right fit for therapy.  For example, one-on-one coaching is more focused on self-awareness, group coaching is more maintenance and accountability, and Masterminds are better for people who are further along and have done some coaching. The big thing that stops people from moving forward is fear, and it's ultimately fear of failure, so if you can consciously make the change, it's much easier than dealing with change during a pivotal life moment. Please enjoy my conversation with Corrie LoGiudice. For show notes and resources discussed in this episode, visit tammacapital.com/104. 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. 
44:2125/05/2023
Steven Bier – Popcorn For The People

Steven Bier – Popcorn For The People

Subscribe to the show on Apple Podcast |Google Podcast | Amazon Music | Spotify What if you had a child on the autism spectrum who couldn’t find a job?  Not because they couldn’t work but because of a lack of opportunities. This was the challenge that Steve Bier was facing with his autistic son Sam who was highly functional.  After being challenged by his wife, Barb, Steve invested $30,000 and bought a popcorn company in 2014.  Today, Popcorn For The People employs between 70 and 80 men and women with some form of disability who might not have had the chance to find meaningful work.   As Steve pointed out during our conversation, a job is worth way more than the money for someone with special needs.  A job could be a lifeline to being and feeling independent.  To build social skills that are challenging under “normal” circumstances.  And for parents, a job can be an opportunity to see their children develop in ways that they likely thought were unimaginable. Doing good that tastes good is probably the best way I would describe Steve and the organization he has helped build.   Please enjoy my conversation with Steven Bier. For show notes and resources discussed in this episode, visit tammacapital.com/103. 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. 
44:1211/05/2023
Steph Morris – Living in the Trenches: How Good Design Tells a Story

Steph Morris – Living in the Trenches: How Good Design Tells a Story

Have you ever come to a fork in the road where the home you have today is not the home you need now or in the future?  How do you answer the question, do we stay and remodel our existing home, or do we look to relocate? Steph Morris is an experienced expert in design who helps families make emotional and financial decisions regarding home living.  Similar to what I do as a financial advisor and a quarterback in football, Steph and her team at North + Birth get people into the right places, communicate what needs to be done, and execute a game plan throughout life's many transitions. As a degreed designer and parent, Steph points out what every family needs to know when considering remodeling or relocating to a new home.  Critical takeaways from our conversation include factors such as function, costs, and aesthetics of what your family needs today and how those needs will change in the future. Steph explains how she manages the many relationships that go into a home project, her custom design process, and keeping up with trends.  In addition to the multi-facet support she brings to a family, being an emotional sounding board for her clients living in the trenches of life is probably her most important role. Please enjoy my conversation with Steph Morris. 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.
47:3227/04/2023
Katy Bertodatto and Mark Keely – Vacation Real Estate You Can Understand

Katy Bertodatto and Mark Keely – Vacation Real Estate You Can Understand

Have you ever wanted to own an investment or vacation rental property?  A place that could become a long-term retirement haven for you and your family? Katy Bertodatto and Mark Keely are co-founders of Golden Swan Management, a property management and real estate development company located in Traverse City, Michigan.  Golden Swan properties extend throughout the northwest Michigan region, with a variety of rentals—intown condos, waterfront, rural escapes—available in every season. Probably the most critical aspect of considering an investment or vacation property is asking, "does it align with my family's purpose?"  If this consideration is because you think it may be cool or have seen one too many HGTV shows that make it look easy, then you need to readdress your WHY! Most people interested in owning a second home often do not know where to begin.  Katy and Mark guide us through the critical factors you must consider and some critically overlooked considerations that people can miss when investigating an investment or vacation property. Please enjoy my conversation with Katy Bertodatto and Mark Keely. For show notes and resources discussed in this episode, visit tammacapital.com/101. 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.
01:01:5813/04/2023
Railey Molinario – The Ultimate Guide to a Thriving Relationship

Railey Molinario – The Ultimate Guide to a Thriving Relationship

Are you tired of constant fighting in your relationship?  Can you imagine a life where conflicts are resolved with understanding and connection instead of anger and disconnection? Railey Molinario, a renowned Love Educator & Relationship Coach, empowers individuals to live fulfilling lives through her teachings on relationship intelligence.  With a remarkable journey from abandonment at birth, Railey has become a respected leader in the industry, providing couples with the skills and knowledge needed to cultivate thriving relationships and lives.  Limited beliefs and misinformation, according to Railey, sit at the heart of how our relationships can go wrong.  To overcome these challenges, education, awareness, and understanding are tools within our vast arsenal that Railey believes we should be focused on. Throughout our conversation, Railey explains what relationship intelligence is and provides tools and actionable items on how we can build healthy relationships.  From creating a common vision, which is anything from normal, to having a weekly relationship review that helps to maintain and invest in our relationship with our significant other. Please enjoy my conversation with Railey Molinario. For show notes and resources discussed in this episode, visit tammacapital.com/100. 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. 
45:2430/03/2023
Kassy Scarcia – How to Build a Sustainable Success System for Parents

Kassy Scarcia – How to Build a Sustainable Success System for Parents

As a parent, how often do you let the stress and pressure of life bury the vision you once had inside of you?  How can you pull the purpose back up to the forefront of your life? Kassy Scarcia is a certified life coach who is on a mission to help women reclaim their confidence, take charge of their personal and professional success, and move forward without holding themselves back!  As Kassy put it, she helps women learn how to listen to their internal GPS again. Kassy has built a Sustainable Success System focused on the following three components: Vision Blueprint Confident Mindset Compounding Action According to Kassy, your vision should be in front of you in some capacity every day; be it visual, written, or auditory.  You should see your current reality becoming your vision. Similar to how your financial plan will change as your life changes, your vision can and should evolve as well.  But, Kassy points out, "do not fear the fear of forever." Please enjoy my conversation with Kassy Scarcia. For show notes and resources discussed in this episode, visit tammacapital.com/99. 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. 
42:4323/03/2023
Dr. Jennifer Dragonette – How To Stay Connected in Your Most Important Relationship

Dr. Jennifer Dragonette – How To Stay Connected in Your Most Important Relationship

Parents, do you ever feel like passing ships in the night while trying to raise active kids with your spouse/partner?  How can we stay better connected during this stage of life, so we don't lose each other once our kids are grown? Dr. Jennifer Dragonette is a licensed psychologist with expertise in relationship dynamics and trauma and is trained in Gottman Method Couples Therapy, specializing in working with families. According to Jennifer's work, awareness sits at the forefront of change, especially regarding listening.  The key to being an active listener is being aware of the thoughts going on within your mind but having the ability to hear and, more importantly, validate what your significant other is telling you. Jennifer talks in depth about family systems, what they are, tips for building them, and how they can help us to avoid avoidable suffering.  However, similar to how we change and our kids grow, family systems need to be adaptable and change with the shifting stages of life. Please enjoy my conversation with Jennifer Dragonette. For show notes and resources discussed in this episode, visit tammacapital.com/98. 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.
48:0316/03/2023
[REPLAY] - Jackie Ghedine & Mimi Bishop –  Helping Gen X Women Bridge the Worth Deficit Gap

[REPLAY] - Jackie Ghedine & Mimi Bishop –  Helping Gen X Women Bridge the Worth Deficit Gap

Did you know that research shows that 92% of people do not keep their new year's resolutions or goals?  What if you could find a way to be part of the 8% who see success pursuing their lifestyle and financial goals? With this data in mind, Jackie Ghedine and Mimi Bishop launched their firm, The Resting Mind, to help gen X women who are struggling to define themselves personally and professionally.  They developed the 8% rule of taking small steps to help women determine who they want to be, where they want to go, and how to get there. Both Jackie and Mimi left behind high-profile corporate roles to launch their firm.  A life transition that started with reflecting on an Oprah Winfrey article that helped them discover that they wanted to help bridge the worth deficit gap that women are facing. Jackie and Mimi have developed a unique approach to utilizing energy leadership and positive psychology to help propel gen X women.  They take an investigated approach that empowers women to ask for help, to help them realize they are not alone and do so with confidence and conviction. Please enjoy my conversation with Jackie Ghedine and Mimi Bishop. For show notes and resources discussed in this episode, visit https://tammacapital.com/42-gen-x-women/. 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.
42:5309/03/2023
[REPLAY] Joline Godfrey – Raising Financially Fit Kids

[REPLAY] Joline Godfrey – Raising Financially Fit Kids

How do you raise financially fit kids?  Joline Godfrey has spent a lifetime helping families to do just this.  Trained as a social worker, Joline has spent most of her career being involved with kids; much of it focused on resilience.  Joline has focused on this issue in a way that few people have been able. Joline believes that financial fluency is a family activity, not just something to help kids with.  When the values, practices, and conversations are woven into the family culture, this work can be easy and fun, preparing our kids for the future. To build and understand financial fluency, you should think about it in terms of it being developmental.  Building blocks that include financial, intellectual, social, and human capital (FISH).  Even for kids growing up with significant abundance, there is all too little awareness of 'what things cost' and their obligations when it comes to spending, saving, borrowing, and investing.  Joline points out that we should expand the notion of what it means to be wealthy.  With raising financially fit kids, we as parents have the capacity to build strength in our kids into adulthood. Please enjoy my conversation with Joline Godfrey. For show notes and resources discussed in this episode, visit https://tammacapital.com/ep-59-joline-godfrey-raising-financially-fit-kids/. 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.
46:2902/03/2023
[REPLAY] Laura Vanderkam – Tranquility by Tuesday: Making Time for What Matters

[REPLAY] Laura Vanderkam – Tranquility by Tuesday: Making Time for What Matters

Are you trying to find time to do more things that matter to you?  Are you trying to squeeze more enjoyment out of your life? Laura Vanderkam, a time management expert, walks us through her latest book, Tranquility by Tuesday, in which she identifies 9 ways to calm the chaos and make time for what matters.  A topic that we address by asking, how can you ensure you have time to work on your long-term goals? A returning guest to our podcast, Laura previously did extensive research on the transition from working in an office environment to working from home.  A focal point of this transition involved setting boundaries, a foundational element in her new research in making time to do what matters most to you. Don't set yourself up for failure was a critical point that Laura emphasized.  By ensuring objectives/goals are reasonable, we can limit the amount of resistance that could be waiting to deter us from success. Laura helps people determine if something is important by identifying if an event occurs three or more times in one week.  She also asks, if you were on vacation, would you still want to ensure this habit endures? One of my favorite rules Laura lays out is one big adventure, one little adventure.  It is a reminder that even little things in life, such as a date with your significant other or playing catch with your kids, can be an adventure that makes life more memorable. Please enjoy my conversation with Laura Vanderkam. For show notes and resources discussed in this episode, visit tammacapital.com/90. 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.
37:0716/02/2023
[REPLAY] Meg Wagner – The Goal Guru: How to Learn to Develop Achievable Goals

[REPLAY] Meg Wagner – The Goal Guru: How to Learn to Develop Achievable Goals

Have you ever wondered how to make realistic goals that you could achieve?  Maybe a goal guru could help? After making her own career pivot which turned into a career identity crisis, Meg Wagner launched her coaching and consulting practice, The Goal Guru.  A firm that helps you define your work, align your life, and design your future. While there is a strong emphasis on outcomes in setting goals, Meg stresses the essential element of paying attention to your feelings about what you want to achieve.  You should gain clarity around your goals and the process of how to achieve vs. solely the outcome. Specifically, in working with Parents, Meg emphasizes that parents need first to be kinder to ourselves.  We should start with even smaller goals and ensure that we give ourselves time to make time for ourselves.  And depending upon what stage of life we may be in, we develop and categorize goals by the roles we live in, such as career, parent, and personal to us.  For show notes and resources discussed in this episode, visit https://tammacapital.com/43-the-goal-guru-meg-wagner/. 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.
30:0909/02/2023
Jason Feifer – Build for Tomorrow: An Action Plan for Embracing Change

Jason Feifer – Build for Tomorrow: An Action Plan for Embracing Change

Subscribe to the show on Apple Podcast |Google Podcast | Amazon Music | Spotify What can an entrepreneur teach a non-entrepreneur?  What value could a relationship like that even bring?  With an open mind, it may help you build for tomorrow. Jason Feifer is the editor-in-chief of Entrepreneur Magazine.  But that is not who he is or what defines what he does.  Instead, Jason Feifer is a person who tells stories in his own voice. As a successful editor, author, speaker, and podcast host (there isn't much he doesn't do), Jason doesn't work simply with entrepreneurs; he works with all of us through his valuable skill of telling stories that help us build for tomorrow.  But what exactly does that mean?  It centers around not panicking when you see change coming or when it has already arrived.  The ability to learn to apply filters reduces the constant and consistent noise that surrounds us.  And the capability to help liberate ourselves from nostalgia and build a new narrative for our lives. Jason lays out three important questions we should ask ourselves if we are to liberate ourselves from nostalgia and build a new narrative of our lives.  Additionally, he provides great frameworks for utilizing Richard Ryan's self-determination theory and Bethenny Frankel's theory of buckets. But one of my favorite topics we covered was at the end when we talked about how LeBron James has an intense focus on "making the main thing, the main thing." Please enjoy my conversation with Jason Feifer. For show notes and resources discussed in this episode, visit tammacapital.com/97. 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. 
32:1102/02/2023
Jordan Jackson – A Guide to the Markets

Jordan Jackson – A Guide to the Markets

Subscribe to the show on Apple Podcast |Google Podcast | Amazon Music | Spotify Are we in a recession, headed for a recession, and does it really matter given that in 2022 we experience one of the worst-performing stock and bond markets ever? How will a continued robust job market, slowing inflation, and higher interest rates impact corporate earnings this year?  These are all topics that will have some impact on your portfolio performance this year and potentially into 2024. Jordan Jackson is a global market strategist at JP Morgan.  Jordan has authored several papers on the economy and markets and is responsible for conducting research for JP Morgan's Guide to the Markets, which I utilize in managing investment portfolios. Although the US as a whole may not be in a technical recession, if you look at industry by industry, there are certainly specific sectors that are in a downturn, such as technology, residential and commercial real estate, to name two.   Jordan and I dive headfirst into what the economic and corporate earnings data may mean to investor portfolios. We also go deep into how much sleep Jordan is getting as a new father, and he shares the best thing about being a new dad.  Please enjoy my conversation with Jordan Jackson. For show notes and resources discussed in this episode, visit tammacapital.com/96. 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. 
42:0426/01/2023
Ayelet Fishbach – Get It Done: Surprising Lessons from the Science of Motivation

Ayelet Fishbach – Get It Done: Surprising Lessons from the Science of Motivation

What happens when the person you most want to influence is you?  Setting and achieving goals for yourself at work, home, and in relationships—is harder than it seems.  So how do you know where to start? Ayelet Fishbach, professor of behavioral science at the University of Chicago Booth School of Business, has focused much of her career on determining what motivates people.  From, how do you carry on in the face of roadblocks and distractions to how do you decide which tasks and ambitions to prioritize when facing multiple responsibilities. Through her research, Ayelet discovered that there is a certain structure for getting things done.  Understanding why your goals are important is a critical first step.  However, there is a balancing point where your goal must be fun or intrinsically motivating.  Ayelet uses an example of putting together a financial plan.  Unfortunately, most people do not believe this to be a fun exercise, which is likely why families put off dealing with their financial situations until they are forced to. Motivation is likely high when you set a goal and high when you can see the finish line.  Ayelet points out that goals often die in the "middle problem," especially long-term goals.  For example, take retirement planning.  A goal of this type needs to be broken into sub-goals and into the smallest unit that makes sense.  Rather than measuring retirement progress in days or weeks, think of it in terms of years or even decades. An often-overlooked aspect of achieving your goals is ensuring you have the right support people around you to help.  Of course, letting people know what your goals are is a great first step.  However, as Ayelet discusses, people who understand your goals can encourage you to keep going when you are down, which can be a highly motivating factor in achieving success. Please enjoy my conversation with Ayelet Fishbach. For show notes and resources discussed in this episode, visit tammacapital.com/95. 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.
43:0519/01/2023
Mercedes Coffman – A Willingness to Learn to Increase Relationship Success

Mercedes Coffman – A Willingness to Learn to Increase Relationship Success

How does knowing your ideals and purpose how help you to figure out what you want out of life?  How does someone begin to identify what their ideals and purpose are?  Mercedes Coffman is a licensed marriage and family therapist.  Born in Suriname, South America, Mercedes has experienced a wide range of different cultures and dynamics, which have led to a better understanding of sensitive issues among culturally diverse groups. Having a background in working with people challenged by addictions, Mercedes has learned first-hand that when people do not have a solid understanding of their purpose, they can often turn to addictions to fill the gap.  Addictions do not necessarily have to be drugs and alcohol, but instead can be behaviors that become compulsive and often continue despite harmful consequences. When it comes to our most important relationship with our spouse or partner, Mercedes doesn’t see money as the biggest relationship issue but a lack of communication and connectedness that often drives people apart.  You can have a spender and saver in the same relationship, and the couple manages money perfectly fine because they don’t stop communicating with each other. Please enjoy my conversation with Mercedes Coffman. For show notes and resources discussed in this episode, visit tammacapital.com/94. 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.
48:0712/01/2023
Dr. Morgan Levy – Understanding Burnout & How to Create Sustainable Harmony

Dr. Morgan Levy – Understanding Burnout & How to Create Sustainable Harmony

Did you know that there are 12 stages of burnout?  Did you also know that burnout can show up in many different forms within your life, such as physically, mentally, and emotionally? Dr. Morgan Levy is a licensed psychologist focusing on working with executives and professionals from all over the world.  As a high-achieving professional, you’ve always valued your drive, perseverance, and ability to get things done. Dr. Levy helps people to channel these skills to optimize their life in the workplace and beyond. Throughout our conversation, two points became a point of emphasis; expectations and mindfulness. An underlying cause of burnout can be our inability to manage expectations.  Mindfulness is our ability to be present in the moment.  You can also think of mindfulness as our ability to be aware of our emotional temperature.  When it comes to burnout, anxiety, or stress, Dr. Levy warns us not to wait until we are struggling to reach out for help.  Pay attention to those around us who may see the warning signs of something serious before we can see it ourselves.  She also encourages us to practice mindfulness when times are good, when we can build up our muscle memory, to be used when we face stressful situations. Be sure to check out the show notes for a link to access Dr. Levy’s Mindfulness for Busy Professionals workshop on January 19th.  Use the code TAMMA50, to receive 50% off! Please enjoy my conversation with Dr. Morgan Levy. For show notes and resources discussed in this episode, visit tammacapital.com/93. 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.
39:0305/01/2023
[REPLAY] - Melody Wilding – Strategies to Stop Overthinking and Make Decisions Faster

[REPLAY] - Melody Wilding – Strategies to Stop Overthinking and Make Decisions Faster

Do you feel overworked and on your way to burnout?  Have you returned to running a chaotic life as we move into a post-Covid world? Burnout is the number one topic that Melody Wilding, a licensed therapist and coach is helping to address with her current clients.  A year ago, Melody was on our show when she launched her book, Trust Yourself, and how she helps highly sensitive and high-achieving professionals overcome the emotional challenges of leadership, management, and success. One of the ways Melody has seen a reduction in burnout is to take things off your plate, not expand it: adding by subtracting.  To do this, you must become very clear about what you want or are trying to optimize in your life.  As Melody puts it, it's not the big obligations that bring us down; it's the small death by a thousand cuts commitments. Melody addresses three strategies that help us to stop overthinking and make decisions faster.  Strategies that can also help in our quest to define what "enough" is for ourselves. Please enjoy my conversation with Melody Wilding. For show notes and resources discussed in this episode, visit tammacapital.com/73. 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.  
46:4629/12/2022
[REPLAY] - Dr. Amber Selking – The Playbook for Building Championship Mindsets

[REPLAY] - Dr. Amber Selking – The Playbook for Building Championship Mindsets

Are you setting yourself up for success, joy, and excellent and extraordinary outcomes based on the things you choose to focus on?  For example, can you choose to "Think Like a Champion?" From the locker room to the board room, Dr. Amber Selking has dedicated much of her life's work to the power of Mindset and Leadership to drive lasting change in businesses, on athletic teams, and in individual lives. Amber has turned her knowledge of mindsets into a playbook that can bring awareness, choice, and focus into your life to help you make better life decisions.  Wherever you are, and whatever you're doing, you can do it better by being better.  Who we are drives what we do.  A key takeaway from Amber's work is this; our thoughts affect our emotions > our emotions affect our physiological response > our physiological response is what ultimately drives our behavior and, therefore, our performance.  Bottom line, our thoughts, and our mindsets determine how we show up for life. Please enjoy my conversation with Dr. Amber Selking. For show notes and resources discussed in this episode, visit tammacapital.com/69. 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.
38:4522/12/2022
Barbara Oakley – Learning How to Learn: Insights for Parents on How to Help Their Kids Learn

Barbara Oakley – Learning How to Learn: Insights for Parents on How to Help Their Kids Learn

How can parents help their kids make the most of their studying time?  And why is it okay for kids not to like their parents when it comes to studying? Barbara Oakley is a distinguished engineering professor at Oakland University in Rochester, Michigan.  Her work focuses on the complex relationship between neuroscience and social behavior—a focus that has driven her curiosity about how people, especially kids, learn how to learn. As a parent who struggles with getting their kids to study, Barbara reminds us that it’s okay for our kids not to like us when it comes to studying.  “Other kids and teachers will tell your kids what they want to hear rather than what is best.”  Parents know intuitively what is best for their kids in the long run, but in the short term, that can pose challenges. Growing up disliking math and science because she wasn’t good at it has helped drive Barbara’s career in practical teaching and academic research.  She has found that people can perform a Mindshift, which can help unlock your hidden potential regardless of age or background. A critical key to learning that Barbara points out over and over is that consistent repetition is the strategy that leads to breakthrough learning.  Barbara explains what the most helpful strategy for learning is and why.  A secret, it is related to a tomato. Finally, as many other prominent guests have addressed with kids and adults, Barbara talks about why it is not always a good strategy to follow your passion.  Doing so can limit your options and ability to learn new things that you think are too hard but could help propel your life and career further than ever imagined. Please enjoy my conversation with Barbara Oakley. For show notes and resources discussed in this episode, visit tammacapital.com/92. 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.
55:5315/12/2022
Avivah Wittenberg-Cox – The Hidden Secret: The Best Decades of Your Life For Parents

Avivah Wittenberg-Cox – The Hidden Secret: The Best Decades of Your Life For Parents

What if you woke up and suddenly realized you had more time?  Not just hours, days, or weeks, but decades? Avivah Wittenberg-Cox thinks about time in not only decades but in 25-year increments.  As someone who thought in her thirties she would be retired at age 60, she now finds herself starting anew again, refreshed by the ability to start something new because she may only be at the halfway point of her life. With this point of view, Avivah wrote a Harvard Business Review article that, instead of focusing on the challenges and stresses of being a working parent, she instead focused on the joy, knowing that this would be one of many life transitions. There were four areas that Avivah, looking back now, wished were easier to remember while she was in the middle of raising her family.  One of the most important was loving your spouse or partner and not demoting your relationship to the bottom of the pile. According to Avivah, "longevity means that, more than ever, we need to plan for change.  Using the gift of decades requires acknowledging their existence and deciding what you want to do with them.  People say you can't have it all, but the gift of time gives us new options to have a lot more than we ever thought possible." Please enjoy my conversation with Avivah Wittenberg-Cox. For show notes and resources discussed in this episode, visit tammacapital.com/91. 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.
43:1408/12/2022
Laura Vanderkam – Tranquility by Tuesday: Making Time for What Matters

Laura Vanderkam – Tranquility by Tuesday: Making Time for What Matters

Are you trying to find time to do more things that matter to you?  Are you trying to squeeze more enjoyment out of your life? Laura Vanderkam, a time management expert, walks us through her latest book, Tranquility by Tuesday, in which she identifies 9 ways to calm the chaos and make time for what matters.  A topic that we address by asking, how can you ensure you have time to work on your long-term goals? A returning guest to our podcast, Laura previously did extensive research on the transition from working in an office environment to working from home.  A focal point of this transition involved setting boundaries, a foundational element in her new research in making time to do what matters most to you. Don't set yourself up for failure was a critical point that Laura emphasized.  By ensuring objectives/goals are reasonable, we can limit the amount of resistance that could be waiting to deter us from success. Laura helps people determine if something is important by identifying if an event occurs three or more times in one week.  She also asks, if you were on vacation, would you still want to ensure this habit endures? One of my favorite rules Laura lays out is one big adventure, one little adventure.  It is a reminder that even little things in life, such as a date with your significant other or playing catch with your kids, can be an adventure that makes life more memorable. Please enjoy my conversation with Laura Vanderkam. For show notes and resources discussed in this episode, visit tammacapital.com/90. 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.
42:3501/12/2022
[REPLAY] Jim Sexton – How to Stay in Love: A Divorce Lawyer's Guide to Staying Together

[REPLAY] Jim Sexton – How to Stay in Love: A Divorce Lawyer's Guide to Staying Together

How would you go about staying out of a divorce attorney's office? Find a great divorce attorney to listen to? Jim Sexton is an accomplished New York divorce attorney who has seen it all throughout his 20 plus year career focused on divorce law.  What makes Jim unique is that he took his life experience and work as a divorce attorney and created a book, How to Stay in Love: A Divorce Lawyer's Guide to Staying Together. Jim's experience has led him to believe that marriages and other committed relationships fail for two fundamental reasons.  One, you don't know what you want, and two, you can't express what you want.  This lack of communication with yourself and your partner is often the relationship killer. Throughout our discussion, Jim highlights actionable steps that you can take to help solidify your relationship, such as leaving your spouse/partner a little note of gratitude, a weekly win/fail walk, and a "hit send now" email.  The basis for these actions is all focused on the need to keep checking in with yourself and your spouse/partner. I agree with Jim that it's better to stay in love, stoke existing love, than to slowly fall out of love and try to find it again.  This is a process that you control and that the person you love controls.  How great is that? Please enjoy my conversation with Jim Sexton. For show notes and resources discussed in this episode, visit https://tammacapital.com/ep-61-jim-sexton-how-to-stay-in-love/. 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.
52:1024/11/2022
Bill Dwight – Helping Your Kids Develop Good Money Habits

Bill Dwight – Helping Your Kids Develop Good Money Habits

How do you help your kids develop good money habits?  How can you overcome the challenges that simply talking about money can bring? Bill Dwight, a lifelong software engineer, faced these questions while he and his wife were raising their five kids.  So, Bill did what any reasonable person would do facing a problem such as this; he started his own company, a "Virtual Family Bank."  FamZoo, the company Bill created, integrates prepaid card accounts with family finance software to help parents and kids develop responsible money habits through hands-on experience. FamZoo, short for the family zoo, which Bill said represented what he and his wife were going through, seeks to encourage certain money habits within kids, such as spending, savings, and giving responsibly.  These are all tenants of Ron Lieber's book, The Opposite of Spoiled.  Separating your resources into functional buckets is a skill worth developing for kids and adults. Bill, like myself, also found inspiration to help teach our kids about money through the work of David Owen and his book, The First National Bank of Dad.  The premise is that kids learn best by doing and what better way to teach sound financial habits than to let kids actually have control of how they use their money. An unexpected benefit of helping to teach your kids about money is that it can help parents deal with their own issues surrounding money.  In addition, it can create great conversations about money between kids and parents and between spouses and partners. Be sure to listen to the end, where Bill talks about his favorite financial parenting hack, which I completely support! Please enjoy my conversation with Bill Dwight. For show notes and resources discussed in this episode, visit tammacapital.com/89. 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.
01:03:4917/11/2022
Gary Noesner – It's Not About the Nail; Lessons in Listening From a Hostage Negotiator

Gary Noesner – It's Not About the Nail; Lessons in Listening From a Hostage Negotiator

How can you link hostage negotiating with building better relationships with your family, spouse/partner, and kids?  How can you keep your emotions in check when situations become intense? Gary Noesner spent over 30 years in the FBI, ten of which were as the Chief Crisis Negotiator.  A few of you may know Gary from the Netflix series Waco, as Gary was one of the negotiators between the FBI/ATF and religious cult, the Branch Davidians, in Waco, TX. From dealing with highly intense situations, Gary has turned his experience and expertise into helping people build better relationships through active listening.  The ability to respond to someone shows that you were indeed listening. Gary uses M&M candy on how to do this.  Consider that in every conversation you have with somebody, the chocolate center is the story, what are they trying to tell you, while the outer shell of the candy is the reflection of emotion, how are they feeling. From Gary's perspective, the cornerstone of being a good listener and communicator is self-control.  Think of a teeter-totter; when emotions are high, our rational behavior goes down.  So, we must focus on our emotions and lower our temperature when situations become tense. Please enjoy my conversation with Gary Noesner. For show notes and resources discussed in this episode, visit tammacapital.com/88. 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.
52:2010/11/2022
Ed Coambs – How to Work Towards Healthy Love and Money

Ed Coambs – How to Work Towards Healthy Love and Money

Subscribe to the show on Apple Podcast |Google Podcast | Amazon Music | Spotify How does your view or interaction with money affect your relationships?  How does your spouse or partner view money?  Have you ever been challenged getting on the same page with money? Ed Coambs, a firefighter turned financial advisor turned marriage and family financial therapist, knows a lot about walking into high-intensity situations, navigating "the flames," and walking everyone out safely.  These proverbial "fires" are no stranger between spouses and their financial lives.  Ed has become a thought leader in Financial Therapy- the professional field that blends personal finance and counseling psychology to effect positive, lasting change for families. Understanding our relationship around money becomes more complex when interwoven with our closest relationships, such as a spouse, partner, or kids.  Ed's work focuses on identifying the underlying issues causing marital money stress by helping to identify your attachment styles. Your attachment style impacts all areas of your life: Your relationships, finances, work life, and parenting.  There are four adult attachment styles that Ed and I discussed, which have a direct impact on the quality of your inter-personal relationships – anxious (also referred to as Preoccupied), avoidant (also referred to as Dismissive), disorganized (also referred to as Fearful-Avoidant), and Secure. Ed and I also discuss the impact parents can have on developing our kids' views and emotions toward money, which could stick with them throughout their adult lives. Please enjoy my conversation with Ed Coambs. For show notes and resources discussed in this episode, visit tammacapital.com/87. 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.
50:2603/11/2022
Margaret Echelbarger – The Living Lab; Engaging Kids in Conversations About Money

Margaret Echelbarger – The Living Lab; Engaging Kids in Conversations About Money

How can parents engage their kids in conversations about money?  And how do those conversations shape kids' thoughts and future financial choices?  Margaret Echelbarger has spent much of her career researching the unique connections between kids and their financial decision-making processes.  Currently, Margaret is an assistant professor of marketing at Stony Brook University.  She also explores the behavioral side of marketing by learning how kids make those financial decisions now and into the future. Whether we realize it or not, as parents, our children are always watching our financial decisions in what we buy, how we buy, and even how buying makes us feel.  Margaret's research has shown that kids can understand competing priorities at an early age, which can help them even recognize the concept of you get what you pay for. Most parents likely have stereotypes about money that influence their unique behaviors, but parents who talk to their kids about money can overcome their own money insecurities.  In research that Margaret has reviewed, parents who talk with their kids about money can statistically help their kids financially succeed in the long term. Teachable financial moments for our kids are abundant, so parents should not worry about finding the perfect time to discuss money-related topics.  As Margaret points out, kids at an early age are trying to connect the emotional dots between spending and savings.  For example, does saving feel good or bad vs. spending? Please enjoy my conversation with Margaret Echelbarger. For show notes and resources discussed in this episode, visit tammacapital.com/86. 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.
44:0627/10/2022
Jenny Wood – Finding The Meaningful Moments in Career, Parenting & Life

Jenny Wood – Finding The Meaningful Moments in Career, Parenting & Life

What do you want to go after in life unapologetically?  Are you willing to be strategic and give yourself the intentionality you deserve? Jenny Wood is an executive at Google who helps people thrive in their careers.  So much so that she founded and led Own Your Career (go/OYC), one of Google's largest and fastest-growing career development initiatives. "You do not rise to the level of your goals.  You fall to the level of your systems."  This quote by James Clear, author of the best-selling book, Atomic Habits, has helped lead Jenny to launch her site dedicated to helping you get what you truly want.  With Jenny, it starts with being strategic in deciding what to do or what not to do when it comes to anything in life, be it your career, parenting, or relationships.  Having systems in place that help you to drop, delegate, do, or delay are all central tenants in helping you get to where you want to go.  In addition to being strategic, Jenny points out, you also need to be intentional and have pride in what you focus on and what you are going after.  No apologies. Jenny also shares how she sometimes deals with the guilt of having a demanding career and being a mom.  The coordination tax levied on working parents, but that by being a hard-working mom, can have lessons her kids can learn from. Listen to Jenny describe her FLIP system to help decide if you are ready to make a career change, launch your side hustle, or in Jenny's case, chase her future husband off a rail platform in New York City. Please enjoy my conversation with Jenny Wood. For show notes and resources discussed in this episode, visit tammacapital.com/85. 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.
54:4220/10/2022
Leidy Klotz – Subtract: The Untapped Science of Less

Leidy Klotz – Subtract: The Untapped Science of Less

Why do we look to make additions when trying to solve a problem or work through one of our many life transitions?  What if we reversed the equation and considered what we could subtract to improve our lives? University of Virginia engineering professor Leidy Klotz has given this idea much thought.  So much so that he wrote the book, Subtract: The Untapped Science of Less.  I believe the ability to subtract helps us in our journey to define what "enough" is within our lives.  A topic that has been central to many conversations as people continue to encounter expected and unexpected life transitions. With most people, parents, in particular, the problem is we are overloaded.  We have roared back from the Covid pandemic, determined to get back to our overscheduling and thus stressed-out lives.  But what if we can step back and recall one of the benefits of Covid if we were lucky enough to see it?  The ability to remove things from our lives which in turn make us happier? This is the most significant takeaway from reading Leidy's book, which was reinforced during our conversation.  We are biologically conditioned to feel more competent and happier when we add things to our lives.  But in reality, those additions create the opposite effect. Leidy points out that we tend to use addition as a substitute for thinking.  Research has proven time and time again that when we are hurried and stressed, we make bad decisions.  So slowing down, and taking our time, naturally means we must subtract something from our day to let us think to make better decisions both financially and personally. Please enjoy my conversation with Leidy Klotz. For show notes and resources discussed in this episode, visit tammacapital.com/84. 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.
36:0813/10/2022
Cullen Roche – The Most Important Financial Question to Ask

Cullen Roche – The Most Important Financial Question to Ask

Am I providing my family with the best possible life I can?  That was the question that Cullen Roche, an accomplished author, writer, and expert in global macroeconomics, behavioral finance, and monetary theory, brought to our attention during our conversation. We also discussed the topic of inflation, what it is, how to understand it, and where it is going.  Do you ever wonder why the US government is not bankrupt because of the national debt?  It's because the US government is not your average household, and we talk about why that is too.  Cullen and I also discuss the critical aspects that a wealth advisor provides, which do not involve stereotypical investment management.  There is nothing sexy about helping people to allocate their savings to support their wealth management plans.  However, it is rewarding life work to see families have the protection they need from unforeseen circumstances and help them through the transition of retirement or putting their kids through college. The most interesting part of our conversation for me focused on defining what is "enough?" As Cullen put it, if we could simply put into perspective what we already have, our definition of "enough" would look wildly different than it currently does today. And as a parent, listen to Cullen's closing remarks on how being a parent for him is like re-living his youth. Please enjoy my conversation with Cullen Roche. For show notes and resources discussed in this episode, visit tammacapital.com/83. 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.
58:4206/10/2022
Dr. Riley Moynes – Squeezing All The Juice Out Of Retirement

Dr. Riley Moynes – Squeezing All The Juice Out Of Retirement

Ep.82 –  When you envision what retirement looks like, what comes to mind first?  Bucket lists, freedom, the ability to do anything you want?  What about the loss of identity, purpose, or relationships? Our lives are full of under-rated transitions, and the transition from your career to retirement, in my mind, is one of the most critical transitions that we do not talk about enough.  I'm not talking from the financial side; I am more concerned about the emotional side of retirement. Fortunately, Dr. Riley Moynes has done the work and built the framework that could help ease the burden of the retirement transition for those who have yet to begin the new journey to those who are in the thick of it. Riley has built what he refers to as the Four Phases of Retirement.  Within these phases, a retiree can go from initial jubilation to extreme loss, trying new adventures and failing, and finally reaching breakthroughs.  It is this last phase of breaking through that Riley has found most retirees to be the happiest. Through his journey of going through all four phases, Riley shares his story of what each phase was like for him and a few stories from the hundreds of people he has interviewed through his retirement research. Be sure to listen to the end, where Riley talks about how he and his wife helped to develop roots and wings in raising their two sons. Please enjoy my conversation with Dr. Riley Moynes. For show notes and resources discussed in this episode, visit tammacapital.com/82. 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.
40:4629/09/2022
Jayne Monroe – A Triplet Mom's Fight For Her Kids

Jayne Monroe – A Triplet Mom's Fight For Her Kids

What if you had to choose between your family or your career?  While the answer may seem obvious, the complications behind such a decision can be endless. This is the precise situation that Jayne Monroe and her husband Mike found themselves in after having one of their triplet boys diagnosed with ADHD.  A situation that came to a tipping point after their son was kicked out of multiple schools and childcare facilities. While Jayne, above all else, wanted to put her family first, taking a step back within her career was made more difficult as she was on an upward track to an executive management role within her company.  Not to mention the financial challenge of helping support their family of six. Jayne talks emotionally about her nine-month journey to have her son properly diagnosed.  Between waitlists and doctors who wanted to brush her aside, Jayne had to fight to get the proper care that her son desperately needed and deserved.  Not only for him but the entire Monroe family. You must be willing to tell your story repeatedly, Jayne emphasized.  And while waitlists may deter you, there is a reason why the best facilities have one.  There is a growing demand for the support kids like her son need. Jayne also describes the emotional conversations with her husband, Mike, about how to manage a career-changing emotional and financial decision.  She pointed out that constant and consistent communication was key in helping them through this life-changing situation.  And also, not expecting your spouse to be able to read your mind was also helpful. Please enjoy my conversation with Jayne Monroe. For show notes and resources discussed in this episode, visit tammacapital.com/81. 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.
50:0022/09/2022
Todd Adams – How to Evolve as a Parent

Todd Adams – How to Evolve as a Parent

As a parent, do you see raising your kids as an opportunity to improve yourself?  Does being a parent help or force you to change the behavior you want to model for your kids? Todd Adams is a regular dad trying to do extraordinary things.  While maintaining a full-time career, he and his wife, Cathy, started Zen Parenting Radio over 11 years ago.  A podcast that helps expand compassion through the lens of a spiritual & emotional mom and a logical & practical dad. But being a dad, Todd wanted to focus and help other dads be better.  So after a long weekend with a group of his guy friends, Todd launched Men Living, a non-profit committed to improving men’s lives through connection. A consistent topic among parenting and health experts I speak with is that modeling the behaviors we want our kids to see starts with self-awareness.  The ability to take our own temperature and realize what direction the pendulum of life is currently swinging in is a critical first step in self-awareness.  As Todd points out, we need to pause and notice events without judgment.  To develop the ability to lay down our defenses and realize that our spouses or partners are here to help us. Finally, we touch on the hot topic that all parents are dealing with: how to manage electronic devices with our kids.  Todd lays out three steps he has learned and uses with his three daughters, which could help you and your family.  Spoiler alert, the key is to be flexible. Please enjoy my conversation with Todd Adams. For show notes and resources discussed in this episode, visit tammacapital.com/80. 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.
49:2415/09/2022
Anya Kamenetz – The Stolen Year

Anya Kamenetz – The Stolen Year

What if, one day, you decided to quit your job?  Without having another one already lined up? This is the email Anya Kamenetz sent, which instantly grabbed my attention.  Anya covered education for many years at NPR.  She speaks, writes, and thinks about learning and the future.  Anya is a returning guest.  You can find our previous conversation in the show notes. Our conversation focuses on two main points How does someone finally reach their tipping point to make such a bold career decision, and The impact that Covid has had on children, which she addresses in her newest book, The Stolen Year: How Covid Changed Children's Lives, And Where We Go Now. When reflecting on her career, Anya points out that from her perspective, a career fills three buckets – financial, day-to-day experience, and identity.  Anya also talks about her struggle with the best way to use her talents and skills in service of making the world better.  The cost of closing our schools for so long during COVID, made with good intentions, has not yet been fully reckoned with.  Anya makes the case that 2020 wasn't a lost year–it was taken from our children, by years of neglect and bad faith.  We have failed to put them first. To get more people involved in this critical conversation, the first five listeners who email me, I will send you a free copy of Anya's new book. Please enjoy my conversation with Anya Kamenetz. For show notes and resources discussed in this episode, visit tammacapital.com/79. 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.  
53:2808/09/2022
[REPLAY] - Scott Hanselman – Scaling Yourself 

[REPLAY] - Scott Hanselman – Scaling Yourself 

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 show notes and resources discussed in this episode, visit https://tammacapital.com/ep-46-scott-hanselman-scaling-yourself/.  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.  
42:4001/09/2022
[REPLAY] Scott Kapeller – Reflections of a Layoff While Raising Triplet Girls

[REPLAY] Scott Kapeller – Reflections of a Layoff While Raising Triplet Girls

My guest this week is Scott Kapeller, a leader in pharmaceutical sales and, more importantly, the father of triplet girls.  Scott is a good friend and neighbor of mine in which we share a lot of similar life experiences, one of which is being the father of triplets.  One of the life-changing experiences that Scott and I share is that we both went through a significant job loss within our careers.  I can always see with great clarity the day I was delivered the news that I was no longer wanted.  Scott explains, getting the dreaded text, "I know you're traveling can you call-in quickly." Being 1,800 miles away from home and thinking nothing of what this call was about, Scott called into the home office and learned of an unanticipated fate. In our conversation, Scott walks through the emotional roller coaster that began on that fateful day.  Although he thought that hearing the news that he was being released was the bottom, Scott later learned that he wasn't even close to the bottom.  Scott published his journey on LinkedIn in what he refers to as his manifesto.  Within it, Scott lays out five valuable lessons that all job seekers could benefit from, especially during these trying times of COVID-19 with so many layoffs and restructurings. In addition to Scott's five lessons, he also provides his insights into five tips that you should be doing if you're not employed or even if you are employed that will help you get through this life transition, which includes paying it forward.  Paying it forward is another characteristic that Scott and I share, which means helping others during their time of transition, just like there was likely someone who helped you during your time of transition. Don't be the person who receives a call from someone in need and doesn't return it.  Finally, Scott talks about the impacts of losing his job had on his family.  The sometimes challenging conversations that he had to have with his wife and triplet daughters.  Going through a job transition can put additional stress on a relationship, especially between a spouse or partner, so be sure to have a network of people you can talk with outside of your immediate family. Please enjoy this conversation with Scott Kapeller. Resources Featured in This Episode: Scott Kapeller The Go-Giver Summer of Scott: Reflections of a Layoff - Scott's LinkedIn Manifesto 4 Retirement Account Options After a Job Change What Would You Consider to be Your Most Valuable Asset?  
52:1225/08/2022