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

Playing the Interest Game

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!

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

4.6858 Ratings

🗓️ 23 July 2025

⏱️ 17 minutes

🧾️ Download transcript

Summary

Quint and Allie talk about navigating the current debt and interest rate market. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Transcript

Click on a timestamp to play from that location

0:00.0

Hey, this is Ali, and thanks for listening to the show. Give us a five-star review where you listen and share this episode with someone who might need to hear it. Now, enjoy the show. Welcome back. Ladies and gentlemen, you're listening to another edition of DIYOR. Dearie, my money! Wish I get a Howard! You always so much energy. So much energy! I'm embracing myself in the chair. Yeah, you never know what's coming out. watching the vid you know what

0:01.2

you know what? I want money. Get my money. Wish I get a Howard. You always so much energy. So much energy.

0:21.3

I'm bracing myself in the chair.

0:22.7

Yeah, you never know what's coming out.

0:23.7

For those of watching the vid.

0:24.6

You know what?

0:25.1

I think we just roll right into this one.

0:27.0

Oh, okay.

0:27.8

Let's just roll.

0:28.3

I don't need to know what's going on in your life.

0:29.9

I get it.

0:30.9

I think your life's amazing. move into it, shall we? Odds and Ends podcast sponsored by Jewel Financial, J-O-U-L-E Financial.com. Let's pause for our other sponsors. We're back. All right. We're going to cut right now. Everybody knows the deal. Send in questions, yada yada. We send $25 Amazon gift card. Ashley from Wisconsin. What do you got? DIY.

0:59.4

Hey, DIY money friends. This is Ashley from Wisconsin, and I love listening to your budgeting workshops, how to create a budget and the steps within to get on track. But I'm struggling

1:04.7

with something. I currently have our quick cash fund and our emergency fund is about a month

1:09.8

worth. Our extra margin is about

1:12.3

750 a month. I am the person to do the 0% game on credit cards. And when I was in control,

1:19.6

I was able to take the number of months, divide by the amount and make that my monthly payment.

1:24.9

Since then, unfortunately, the debt has grown, and although I'm still on

1:29.4

track to pay off within 0%, with the exception of one or two balances, and pay it off within

1:36.1

two or three years. I'm struggling with a step to save an emergency fund first before paying off

1:42.6

the debt. If I were to do minimum payments on my credit

1:45.8

cards, an extra margin go to the emergency fund, that would get me into a time where I would either

...

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