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

Back to the Basics: Save First

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!

Real Estate, Education, Investing, Self-improvement, Business, Money

4.6858 Ratings

🗓️ 20 February 2026

⏱️ 17 minutes

🧾️ Download transcript

Summary

Allie and Logan talk about how to save before you spend and not the other way around. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Transcript

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0:00.0

Hey, this is Ali, and thanks for listening to the show.

0:04.2

Give us a five-star review where you listen and share this episode with someone who might need to hear it.

0:08.5

Now, enjoy the show.

0:12.6

What's up, everybody?

0:13.7

Welcome back to another edition of DIY Money.

0:17.5

See, I brought the heat.

0:19.4

That was good.

0:20.0

That was a very good intro intro what's new in your

0:21.4

world logan well no you were you were almost to the point of anger uh with quint about this very

0:29.5

important sip club and panera bread and all the things yes quince not here today to defend himself

0:36.4

so we can roast him that's actually how it works.

0:38.0

But I'll totally roast him for this.

0:39.3

So as you guys might know, I've talked about it from the podcast before. I'm actually so glad you brought this up because now I'm getting mad about it again and I need to air it out. Panera has this program. It's called the SIP Club. Okay. You pay, I think it's $15 a month.

0:54.3

Okay.

0:54.9

I only don't know, to be clear, because

0:57.3

I had a promo for a while where it was cheaper, and it's still slightly cheaper.

1:01.3

Yeah, you're doing a really good job tracking. All right. Can sign up for $15 a month, and then you

1:06.4

get unlimited sips, you could say. Coffees, juice, I guess if you want juice on the line set. Get some juice. Go get you unlimited juice. Hey now, I love juice. What is wrong? For $15 a month. What's wrong with me is I'm angry about this. I don't think people get unlimited sips for the juice. I'm going to be honest. Anyway, go get your juice at Panera.

1:29.1

I get it because I go there weekly for breakfast and then I also go there to study.

1:34.7

So I can get like a green tea or sometimes I get coffee.

1:38.3

In the mornings I get their coffee and I regret it every single time.

1:43.0

It is so bad. For a while I was trying to be like, this is okay. I'm saving money. It's literally horrible. And I think it's because now, and you guys heard me talk about my find on market. I don't know if I'll make it through this episode right now. I'm so mad. He just take my jacket off. We can't have anyone freak out out there, okay? We've got a key market exposure. The coffee is so bad, okay? That's all you need to know. Okay, but you did find an espresso maker on Facebook marketplace. On Facebook Marketplace, and I think that's why I'm such a butt about my coffee now. There I said it. But the funny part about the fact that you have an espresso machine off Facebook marketplace

...

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