Normally, I do not use plywood. I do not do fretwork. I do inlays and make toys. I purchase cedar and maple from a local building supply house, as needed. The wood I use for inlay (walnut and hard maple) I purchase about a years supply at a time.
Because I am the most active member in our local woodworking club, any wood donated to the club, I receive. Because of this, Most of my wood, used for making toys, is free to me. Mostly poplar.