

DIY Money | Personal Finance, Budgeting, Debt, Savings, Investing
Quint Tatro & Daniel Czulno, CFP® a passionate look at everything money from budgeting, savings, investing, stocks, bonds, debt. For those that enjoy Dave Ramsey, Jill On Money, Smart Money, BiggerPockets it’s worth a listen!, Bleav
Budgeting, Savings, Investing, Wealth Management for those that choose to Do It Yourself.
Disclosures
The DIY Money podcast and related content including our website, social media, educational tools, and any published materials are intended for general informational and educational purposes only. They do not constitute financial, legal, tax, or accounting advice. Listeners and viewers should not act on any information provided without first consulting a qualified professional who is familiar with their individual circumstances.
The firm is not engaged in the practice of law or accounting. This content shall in no way be construed or interpreted as a solicitation to sell, or offer to sell, investment advisory services to anyone. All information referenced is for illustrative purposes only and is not intended to represent any specific investment strategy or vehicle. Past performance is not indicative of future results. Investing involves risk, including the potential loss of principal.
We strive to provide accurate and timely content, but we make no guarantees regarding the accuracy, completeness, or relevance of the information presented. All information is provided “as-is” and may be subject to change without notice. We assume no responsibility for any errors, omissions, or outcomes related to the use of this content.
Links to external sites are provided for convenience only. We do not control or endorse third-party content and are not responsible for the information or services these sites provide. Always review the privacy policies and terms of use for any external sites you visit.
By using this podcast, website, or any related content, you acknowledge and agree to the terms outlined in this disclaimer. If you have any questions, feel free to contact us directly.
Disclosures
The DIY Money podcast and related content including our website, social media, educational tools, and any published materials are intended for general informational and educational purposes only. They do not constitute financial, legal, tax, or accounting advice. Listeners and viewers should not act on any information provided without first consulting a qualified professional who is familiar with their individual circumstances.
The firm is not engaged in the practice of law or accounting. This content shall in no way be construed or interpreted as a solicitation to sell, or offer to sell, investment advisory services to anyone. All information referenced is for illustrative purposes only and is not intended to represent any specific investment strategy or vehicle. Past performance is not indicative of future results. Investing involves risk, including the potential loss of principal.
We strive to provide accurate and timely content, but we make no guarantees regarding the accuracy, completeness, or relevance of the information presented. All information is provided “as-is” and may be subject to change without notice. We assume no responsibility for any errors, omissions, or outcomes related to the use of this content.
Links to external sites are provided for convenience only. We do not control or endorse third-party content and are not responsible for the information or services these sites provide. Always review the privacy policies and terms of use for any external sites you visit.
By using this podcast, website, or any related content, you acknowledge and agree to the terms outlined in this disclaimer. If you have any questions, feel free to contact us directly.
Episodes
Mentioned books

Aug 8, 2025 • 24min
Going off to College
Allie and Quint discuss some of the things they encourage your people and parents to think about when they go to college.

Aug 6, 2025 • 17min
Using the Emergency Fund
Sometimes it happens! Quint and Allie talk about when you have to tap your emergency fund.

Aug 4, 2025 • 15min
DIY Money Jr - Why do Markets Return More than the Bank?
Quint and Allie talk through why it is beneficial to invest rather than keep money in the bank.

Aug 1, 2025 • 17min
Short Positions and Lending Stock
Quint and Logan talk about lending your stocks and how shorting stock works.

4 snips
Jul 30, 2025 • 13min
How Many Accounts are Too Many?
The hosts bounce between climbing gym anecdotes and serious financial advice. They tackle the tricky question of how many accounts are too many, sharing insights on personal preferences for managing finances. Listeners learn about the risks of neglecting investments and the benefits of account consolidation. With a blend of humor and practical tips, they emphasize the importance of balancing organization and convenience in personal finance.

Jul 28, 2025 • 16min
Market Update
The hosts dive into current market conditions, blending humor with personal updates about home buying and new puppies. They discuss the complexities of real estate inspections and negotiations, sharing relatable anecdotes. Shifting to investments, they address listener questions on portfolio management. The fluctuating stock market sentiment is explored, emphasizing the need for a balanced investment strategy. They also stress the importance of regular portfolio assessment to avoid overexposure and highlight diverse market opportunities.

Jul 25, 2025 • 15min
Buying Early Retirement
Logan and Allie dive into the intricacies of buying early retirement years, highlighting the challenges and strategies involved. They share Phil's dilemma about service time buybacks, stressing the importance of guidance. The discussion broadens to redefine retirement, aligning financial goals with personal values. Myths about accessing emergency funds and Roth IRAs are debunked, showcasing that early retirement is within reach. Ultimately, they emphasize the significance of strategic planning and a mindset shift for those aiming to retire in their 40s or 50s.

Jul 23, 2025 • 17min
Playing the Interest Game
Quint and Allie dive into the choppy waters of debt and interest rates, helping a listener balance credit card debt with the urgent need for an emergency fund. They share fiery strategies for tackling debt with a 'gazelle-like intensity' and emphasize a proactive mindset, likening challenges to bison charging through storms. Listeners are urged to think critically about low-interest loans and the dangers of minimum payments, all while navigating the essential dance between saving and debt management.

Jul 23, 2025 • 19min
What are "Earnings"?
The hosts dive into the real estate market, sharing humorous stories about the unexpected costs of homebuying. They dissect the importance of earnings multiples in stock valuations, using a major tech company as a case study. There’s a deep dive into Microsoft’s earnings compared to its peers, emphasizing careful analysis. Investment strategies are discussed, highlighting the significance of sticking with familiar, financially healthy companies. Finally, the hosts stress that focusing on earnings is vital for successful investing amidst market noise.

Jul 18, 2025 • 14min
Big Beautiful Series: No Tax on Social Security?
Logan and Allie kick things off with a thrilling amusement park story before diving into the complex world of Social Security tax regulations. They bust myths surrounding Social Security income taxation and explain how it varies with total income. Recent adjustments, including age-specific benefits and increased deductions for seniors, take center stage. The hosts emphasize careful financial planning and the need for high-income earners to be aware of limitations, urging listeners to stay engaged and informed about these crucial changes.