DIY Money | Personal Finance, Budgeting, Debt, Savings, Investing

Bleav + 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!

Business, Self-improvement, Business:investing, Investing, Education

4.8 • 824 Ratings

Overview

Budgeting, Savings, Investing, Wealth Management for those that choose to Do It Yourself. Disclosures Joule Financial, LLC is registered as an investment adviser with the Securities Exchange Commission (SEC). The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. Registration as an investment adviser does not constitute an endorsement of the firm by securities regulators nor does it indicate that the adviser has attained a particular level of skill or ability. A copy of Joule’s current written disclosure brochure filed with the SEC which discusses among other things, Joule’s business practices, services and fees, is available through the SEC’s website at: www.adviserinfo.sec.gov. All content in this podcast is for information purposes only. Opinions expressed herein are solely those of Joule Financial, LLC and our staff. Material presented is believed to be from reliable sources, however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your financial advisor prior to implementation. It does not involve the rendering of personalized investment advice nor should it be viewed as an offer to buy or sell, or a solicitation of any offer to buy or sell the securities discussed. Please note that neither Joule Financial, LLC nor any of it agents give legal or tax advice. The firm is not engaged in the practice of law or accounting. This presentation 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 is not intended to be representative of any specific investment vehicle. Past performance is not indicative of future results. Charts, graphs, and returns do not represent the performance of Joule Financial, LLC or any of its advisory clients. Returns do not reflect the impact that advisory fees and other expenses have on the results. All investment strategies have the potential for profit or loss. There are no assurances that an investor’s portfolio will match or outperform any particular benchmark. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for a client’s portfolio. All investment strategies have the potential for profit or loss.

713 Episodes

All About REITs

Logan and Allie break down Real Estate Investment Trusts (REITs).

Transcribed - Published: 12 March 2025

Shopping Credit Cards

Logan and Allie talk about shopping for credit card deals and whether you should even have a credit card.

Transcribed - Published: 10 March 2025

Good Debt v. Bad Debt

Allie and Quint talk about what is good debt and what is bad debt.

Transcribed - Published: 7 March 2025

"The Family Business"

Quint and Logan talk about operating your family finances like a business and the importance of being on the same page with your spouse.

Transcribed - Published: 5 March 2025

STOP IT!!

Quint and Logan explain the major spending/debt issues they are seeing on a daily basis and encourage people to change their habits.

Transcribed - Published: 3 March 2025

Using Your Emergency Fund

Quint and Allie talk about when you may have to use your emergency fund.

Transcribed - Published: 28 February 2025

Pension Plan Vs Investment Plan

Allie and Quint discuss whether it is better to have a pension plan or a retirement investing plan.

Transcribed - Published: 26 February 2025

HSA & Super HSA?

Quint and Logan talk about the HSA and a way for your children to begin contributing to an HSA while on your health care plan.

Transcribed - Published: 24 February 2025

Donor Advised Fund

Quint and Allie talk about how to utilize a donor advised fund as a tax strategy.

Transcribed - Published: 21 February 2025

Debts in Collections

Quint and Logan talk about what to do if you have a debt go into collections.

Transcribed - Published: 19 February 2025

Online Investing Platforms

Quint and Logan discuss the different investing platforms and how to get started on them.

Transcribed - Published: 17 February 2025

Paying off College?

Quint and Allie discuss paying for college versus setting yourself up for the future.

Transcribed - Published: 14 February 2025

What Asset Class to Choose in Investing

Quint and Logan talk about valuing different asset classes and adding those to your portfolio.

Transcribed - Published: 12 February 2025

When to Hire a Tax Pro

Allie and Quint talk about when you might need professional help during tax season.

Transcribed - Published: 10 February 2025

Real Estate Investing vs High-Yield Dividend Stocks

Quint and Logan think through the best ways to create passive income.

Transcribed - Published: 7 February 2025

Employer Plan Versus IRA

Quint and Allie talk through whether to utilize an employer plan (like a 403(b)) or an Individual Retirement Account (IRA).

Transcribed - Published: 5 February 2025

Is the S&P 500 Overvalued?

Quint and Logan talk about the overall market and whether or not it is overvalued.

Transcribed - Published: 3 February 2025

All About Mortgages

Logan is joined by a special guest, Vinson Bunting, to talk through the key terms and tips you should know before you get a mortgage.

Transcribed - Published: 31 January 2025

DIY Money Jr - Earning an Allowance

Daniel and Allie talk about earning an allowance: how much, how often, and cash or something else?

Transcribed - Published: 29 January 2025

Savings Hierarchy

Logan and Allie talk through what to save for first.

Transcribed - Published: 27 January 2025

Am I Saving Too Much?

Logan and Allie talk through balancing saving and spending when you have already built a decent nest egg.

Transcribed - Published: 24 January 2025

Retiring Early: Free Health Care v. Roth Conversion

Allie and Logan talk about strategies in early retirement.

Transcribed - Published: 22 January 2025

When to take Social Security?

Allie and Logan talk about when to take Social Security and how to plan for that in advance.

Transcribed - Published: 20 January 2025

Back to the Basics: Wealth Creation - Part 2

Logan and Allie talk about the various different accounts you can use to build wealth.

Transcribed - Published: 17 January 2025

Back to the Basics: Wealth Creation - Part 1

Quint and Logan talk through the ways to build wealth after you have completed the basic DIY Money steps.

Transcribed - Published: 15 January 2025

Back to the Basics: Fast Cash and Emergency Fund

Quint and Logan talk about where to apply your extra margin starting with fast cash and an emergency fund.

Transcribed - Published: 10 January 2025

Back to the Basics - Saying No

Quint and Logan talk about one of the most important words in the DIY steps “No”.

Transcribed - Published: 6 January 2025

Back to the Basics: Saying No

Quint and Logan talk about one of the most important words in the DIY steps “No”.

Transcribed - Published: 6 January 2025

Back to the Basics: Tracking Expenses

We are bringing it back to the basics for the new year. Quint and Allie talk through the first DIY Money step of tracking your expenses.

Transcribed - Published: 1 January 2025

End of Year Wrap Up

Quint and Allie wrap up 2024.

Transcribed - Published: 30 December 2024

DIY Money Jr - What is Sales Tax

Allie and Logan talk through what sales tax is and what it is used for.

Transcribed - Published: 27 December 2024

Real Estate in a Roth IRA

Daniel and Allie talk about having real estate in an IRA.

Transcribed - Published: 25 December 2024

Setting up Kids for Success

Logan and Allie talk through how to set up children for financial success.

Transcribed - Published: 23 December 2024

Financial Must-Reads

Quint and Logan give financial and motivational book recommendations.

Transcribed - Published: 20 December 2024

Robo/Digital Advisors

Quint and Allie talk about robo or digital advisors. They discuss the good and the bad of utilizing one of these advisors.

Transcribed - Published: 18 December 2024

Why Analyze Individual Stocks?

Quint and Logan talk about why they analyze individual stocks but typically suggest indexed investments.

Transcribed - Published: 16 December 2024

Money Tips for the Holiday Season

Quint and Logan talk about how they manage money through the holiday season and how to prepare in advance for this time of year.

Transcribed - Published: 13 December 2024

Taxes on Inherited Trust

Quint and Allie talk about future tax consequences of putting funds in a trust.

Transcribed - Published: 11 December 2024

DIY Money Jr - Save or Invest?

Daniel and Quint talk about when you should be saving and when you should be investing.

Transcribed - Published: 9 December 2024

Psychology of Spending Money

Daniel and Allie talk about actually spending money versus our usual talk of saving.

Transcribed - Published: 6 December 2024

Careers in Wealth Management

Logan and Allie talk about different careers in Wealth Management and pathways to get to there.

Transcribed - Published: 4 December 2024

Paper Trading?

Daniel and Logan talk about paper trading: what it is, how to do it, and if it is valuable for learning about trading.

Transcribed - Published: 2 December 2024

Tax-Advantaged Charitable Giving

Allie and Logan talk about giving to charities in the most tax efficient ways.

Transcribed - Published: 29 November 2024

DIY Money Jr - Financial Books for Starting Out

Quint and Logan talk about what to read and listen to when you are first starting to learn about money. Check out our previous episode where we interviewed Ian McMillan who wrote “What Is A Stock”.

Transcribed - Published: 27 November 2024

Saving Without Social Security

Daniel and Allie talk about the 10/10/80 plan and how to save if you will not be receiving social security.

Transcribed - Published: 25 November 2024

Market Talk

Quint and Logan talk about the state of the market and things to think about moving forward.

Transcribed - Published: 22 November 2024

Pension in Retirement

Quint and Allie talk about pensions and how to plan for them.

Transcribed - Published: 20 November 2024

What are RSUs?

Quint and Daniel talk about Restricted Stock Units and how different company stock plans can play into your financial plan.

Transcribed - Published: 18 November 2024

Investment Considerations for End of Year

Quint and Logan talk about important items to consider before the end of the year in your investment accounts.

Transcribed - Published: 15 November 2024

Helping Family With Money

Daniel and Quint talk about the difficulties of helping family with their finances and how to make sure you are taking care of your finances first.

Transcribed - Published: 13 November 2024

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