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
Jun 16, 2025 • 13min
How to Save Before You are Eligible for Workplace Plans
The hosts kick things off with funny stories about juggling family responsibilities and the chaos of Vacation Bible School. They dive into strategies for boosting retirement savings before joining a company's 401k plan, emphasizing tax-deferred options like IRAs. The discussion shifts to the significance of understanding employer benefits and planning for both short and long-term financial goals. They also warn against the dangers of impulse spending, highlighting the need to live below one's means to secure financial stability.
Jun 13, 2025 • 14min
Using a 529
Discover the ins and outs of funding education with a 529 plan. The hosts tackle tax-saving strategies and the benefits of this account compared to custodial options. There are discussions about navigating recent regulatory changes and how they impact your savings. You'll also hear practical tips on avoiding tax penalties when transitioning funds. This engaging conversation will help families make informed decisions about managing educational expenses.
Jun 11, 2025 • 17min
Choosing an Advisor
Discover the essential questions to ask when hiring a financial advisor. Learn about the importance of fiduciary duty and fee structures that prioritize your interests. Explore the pitfalls of incentivization practices that can compromise client welfare. Uncover key factors for selecting the right advisor, including qualifications and the significance of building a trusting relationship. Finally, navigate the selection process with confidence by understanding the role of effective communication and teamwork in financial planning.
Jun 9, 2025 • 16min
ETF v. Mutual Funds
A captivating discussion on the differences between ETFs and mutual funds unfolds, guiding you through key considerations for your portfolio. The importance of trading flexibility, expense ratios, and tax efficiency takes center stage. Strategies for investing in children's accounts are highlighted, showcasing the ease of mutual funds versus the agility of ETFs. Additionally, the psychological factors influencing investment behavior provide intriguing insights, making this an essential listen for anyone navigating the investment landscape.
Jun 6, 2025 • 15min
When to Use the Fast Cash?
Quint and Allie dive into the ins and outs of using fast cash for unexpected expenses, like car repairs. They discuss the benefits of having a cash reserve and the balance between short-term needs and long-term goals. The hosts also tackle the importance of managing debt effectively, stressing the importance of paying off high-interest credit cards first. With a dash of humor, they explore budgeting strategies and even invite listeners to join the fun. Tune in for practical advice that keeps financial health at the forefront!
Jun 4, 2025 • 20min
What Does the Average Investor Need to Know About Stocks?
Join Quint and Logan as they share insights from a recent cornhole tournament, infusing humor and rivalry into the mix. They explore vital investing principles for average investors, emphasizing personal research over blind trust in analysts. The duo delves into selling strategies, highlighting the importance of having a clear plan. They also discuss investing methodologies, like Buffetology, emphasizing fundamental analysis and personal strategy. Lastly, they reflect on the joy of research, the need for diversification, and the distinction between investing and gambling.
Jun 2, 2025 • 17min
How Much Cash is Too Much Cash?
The hosts humorously share their vacation stories, revealing different approaches to leisure. They dive into cash management, stressing the importance of knowing your financial status. Personal journeys highlight the challenges of building an emergency fund and strategies to optimize savings. The discussion evolves to how to align liquid assets with financial goals while critiquing traditional investment strategies. They underscore the need for personalized financial plans that reflect individual risk tolerance and market conditions.
May 30, 2025 • 11min
Cash on Hand? Easy to Save or Easy to Spend
Quint and Logan explore the pros and cons of having cash on hand for budgeting. They share personal stories illustrating the psychological impacts of cash management. The discussion shifts to adapting budgeting methods for modern generations, emphasizing the need for tracking expenses across various payment methods. They also delve into how generational habits affect spending and introduce innovative tools like Cube Money that help maintain financial discipline. The importance of dedication in finance and personal growth is highlighted through relatable anecdotes.
May 28, 2025 • 14min
Zero Cost Funds
Discover the innovative world of zero-cost mutual funds and why they're gaining traction among savvy investors. The hosts share personal anecdotes and community insights that highlight the joys of engaging with like-minded individuals. Learn how these funds help lower entry barriers for younger investors while financial institutions adapt their business models. The conversation emphasizes the importance of mindful investing and highlights key principles for building wealth in a fun and approachable way.
May 27, 2025 • 14min
Take More Risk in a Roth?
Dive into the intriguing world of Roth IRAs and discover why they might be the risky, yet rewarding, way to invest. Gain insights on aligning your investment strategies with long-term goals while navigating market volatility. The hosts explore the rich potential of the NASDAQ 100 index, showcasing its diverse companies beyond typical tech stereotypes. Learn about the advantages of Roth accounts for wealth inheritance and tune in for an engaging Q&A segment that invites listener participation. Get ready to rethink your investment approach!
