Savings for Annual Expenses v. Paying Down Debt

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

4.6 • 858 Ratings

🗓️ 18 August 2025

⏱️ 17 minutes

🔗️ Recording | iTunes | RSS

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Summary

Allie and Logan talk about accruing for annual expenses and if it’s better to pay down debt than set aside funds for those expenses. 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 Allie, 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.
0:13.1	Welcome back, ladies and gentlemen, to another edition of DIY money.
0:17.9	DIY money.
0:18.9	Are we energized and fired up today, Logan? Oh, I am so energized and fired up because I got three hours of sleep last night. So that was wonderful. We did move-in day yesterday into our new home, which I will say I was not a big participant in the moving day. You were not a participant. I'll call you out. Logan was like, I couldn't take off work.
0:38.8	I had to be here.
0:39.3	I do. I'm tired.
0:41.5	And my knee hurts.
0:43.9	Switch knee.
0:45.8	My elbow hurts.
0:47.6	I had to be here.
0:48.9	But we had movers and people that came and helped move all the stuff and everything like that.
0:54.0	And my father-in-law helped, which was wonderful. But then we went back last night for a second load that we put in the truck. And, you know, we're loading it all up and everything. First of all, someone stole our outdoor patio furniture, which was, I was like, come on. But you know what? They needed it more than we did.
1:11.1	It's fine.
1:11.6	Whatever.
1:12.2	But that was step one.
1:14.4	Then we get back in the car at like 8.30 at night, driving back to the new house.
1:19.4	And we get stuck in stopped, completely parked, turn the car off traffic for two and a half hours.
1:29.1	Brutal.
1:29.8	So I think I went to bed last night at like midnight.
1:32.3	The dog woke me up twice throughout the middle of the night.
	...

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