When to Refinance?
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!
4.6 • 858 Ratings
🗓️ 1 December 2025
⏱️ 14 minutes
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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. |
| 0:08.5 | Now, enjoy the show. |
| 0:13.2 | Welcome back. |
| 0:14.2 | Ladies and gentlemen, you're listening to another edition of D.I.W. Money. |
| 0:17.4 | DeL.M. Morgan, it's freezing in here. |
| 0:20.0 | Oh, you're going to complain about it being cold. |
| 0:21.8 | What are you doing? Okay. What are you doing? Allie and I are here last week, and we literally couldn't feel our toes. It was so cold in here. And you texted me while I was literally sitting at the beach. You're in, yeah, on the beach. I'm in Maui. You're in Maui on the beach. |
| 0:36.7 | And you're like, I can't work in these conditions. |
| 0:39.8 | I'm like, what conditions? |
| 0:40.8 | What are you talking about? You're in, yeah, on the beach. I'm in Maui. You're in Maui on the beach. And you're like, I can't work in these conditions. |
| 0:39.8 | I'm like, what conditions? |
| 0:40.8 | What are you talking about? |
| 0:41.5 | It is 40 in this house. |
| 0:43.3 | So we set the stage for those longtime podcast listeners. |
| 0:46.7 | First of all, we are doing our best to try and sort of delineate the podcast from our advisory practice. |
| 0:56.6 | And we used to do the podcast in our advisory practices offices. |
| 1:01.5 | Now, our offices have moved and we have a studio and all the rest of that. |
| 1:04.7 | But we're trying to separate it out for a variety of reasons. |
| 1:09.1 | And so we decided, hey, let's do the podcast back in the roots where we used to be in |
| 1:14.6 | this office. |
| 1:15.4 | At present, the office is not occupied. |
... |
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