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

Back to the Basics: Saying No

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

4.6858 Ratings

🗓️ 16 January 2026

⏱️ 17 minutes

🧾️ Download transcript

Summary

Quint and Allie talk about one of the best ways to avoid financial pitfalls: saying no! 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.

0:04.3

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

0:08.6

Now, enjoy the show.

0:13.2

Welcome back.

0:14.2

Ladies and gentlemen, you're listening to another edition of DIY Money.

0:17.2

Diwali Money.

0:18.5

What's Haken A. Howard?

0:19.8

Oh, not much, Quinn.

0:41.0

Nothing's changed. I need to squash some beef. Where's the beef? What? Yeah, I need to squash some beef. Here's why I want to squash some beef with you. Hey, where's the beef? First of all, I was listening to an episode, and we're going to have to realize that There are listeners that are in different categories.

0:41.0

Okay. And you, we're going to have to realize that there are listeners that are in different categories.

0:41.6

Okay.

0:43.6

For example, I realize that.

0:48.4

I probably spend upwards of $6,000 on a vacation.

1:29.0

And you had said, oh my gosh, if I spent $500 a month, $6,000 a year, I am not boozy. And I went, holy cow, A Howard. We probably have a lot of listeners that spend $6,000 a month or $6,000 a year or more on vacation. Sure. So anyways, I just, that's my beef. I want to squash it. Can I say something? Absolutely. It should be personalized to your financial situation. Boo, yeah. Yes. I can't afford to spend $6 grand, but some people can. It is personalized. That has to be a priority. I totally agree with you. I think that we do have beef about that. Yeah. Because I feel fine about it. I understand that. When I was listening, if I was a casual listener and I did not know about you, I would been like, what, why is she all, why she saying all that?

1:32.6

Let me caveat then for the casual listeners, as someone who is single and young and likes to

1:40.4

sleep in a tent, that feels like more than I would spend.

1:43.8

Yes.

1:44.3

But I have spent a good chunk on vacations before going to Europe or something more elaborate,

1:50.2

where I'm not in a tent.

1:51.5

So that's fair.

1:52.3

The second thing I want to say, I have yet to get there, but you have inspired me.

1:59.3

I'm going to go find an Aldi.

...

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