Isn’t That Rich with MyFSB

We all have that one money decision we wish we could go back and redo. Maybe it's the stack of impulse purchases collecting dust in your closet, or the years you spent not contributing to your retirement fund because it just felt so far away. Financial regret is one of the most universal human experiences, and yet it's one of the least talked about. In this episode of Isn't That Rich, we get real about the five biggest money mistakes we see over and over again, share personal stories that are equal parts relatable and eye-opening, and give you the tools to make sure you don't end up adding these to your own list. Whether you're just starting out or well into your financial journey, this one is packed with wisdom, laughs, and a few gentle wake-up calls. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

This week, we’re sitting down with a Dr. Sykes Thompson, who is in the middle of something big… opening his very own eye care practice right here in our community! He shares how he’s always known this was the path for him, but as you’ll hear, knowing your calling and actually building it are two very different things. From finding the right location to making major financial decisions, hiring a team, and preparing for opening day, this conversation gives a real look at what it takes to start a practice from the ground up. We talk through the excitement, the pressure, and all the behind-the-scenes moments most people never see before the doors officially open. And at the heart of it all is something that stood out to us the most, his genuine passion for serving this community and doing it the right way. If you’ve ever thought about starting something of your own, or you just love hearing how a vision turns into reality, this is one you’ll want to listen to. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

This month’s book club pick, Unreasonable Hospitality, had us rethinking everything we know about customer service. In this episode, we’re sharing the stories that stuck with us, the small moments that make a big impact, and how going just a little further can turn an ordinary experience into something unforgettable. From real-life examples to ideas you can actually use, this conversation will leave you inspired to show up differently in your business and everyday life. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

We sat down with Aaron Streuter, one of our own from our Herrin branch, to talk about his experience going through the Farmers State Bank mentorship program and what he took away from it. This conversation is real, honest, and a great look at what it actually feels like to step outside your comfort zone and figure out where you belong. Aaron shares what surprised him, what challenged him, and how the program helped him see new opportunities for his future. If you’ve ever wondered what growth can look like inside a company or you’re trying to figure out your next step, this episode is one you’ll want to hear. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Ever feel like your banker is asking a few too many questions? You’re not alone, and there is actually a really good reason behind it. In this episode, we’re pulling back the curtain on what is really happening behind the teller line and the six key things your bank is watching for to protect you from fraud. From romance scams to fake checks and even AI voice impersonations, we are sharing real stories and simple ways to spot red flags before it is too late. If you have ever wondered why your bank slows things down, this one will change the way you see it. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

This week on the podcast, we kicked off our very first book club of the year with Rich Girl Nation by Katie Gatti Tassin, and let’s just say… it gave us a lot to talk about. This wasn’t one of those books you read and forget about, it challenged the way we think about money, confidence, and the financial rules we’ve all just kind of accepted without question. In this episode, we’re sharing our biggest takeaways, the moments that made us pause, and the mindset shifts that could genuinely change how you approach your finances. If you’ve ever felt like you’re doing “all the right things” but still not getting ahead, this conversation is going to hit home in the best way. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Workplace safety is important for every business, but when it comes to OSHA reporting and recordkeeping, many employers are not exactly sure what is required or how to do it correctly. If your business has more than 10 employees, there are specific rules you need to follow, and getting them wrong can lead to unnecessary headaches or penalties. Today we are joined by Eric Witges, CEO of FSB Insurance, to help us break down OSHA reporting in a way that is simple, practical, and easy for business owners to understand. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Not everyone gets the same paycheck every two weeks. If you work in sales, earn commission, run a business, or have a seasonal job, your income can look very different throughout the year. In this episode, Ashley and Jill talk about how to build a budget when your income fluctuates and how to “pay yourself” in a way that creates stability even when your earnings go up and down. They walk through practical ways to plan for slow months, handle big commission checks, and avoid the financial rollercoaster that so many people in these careers experience. If your income feels unpredictable, this episode will help you create a system that brings a lot more consistency and peace of mind to your finances. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

What actually happens when you stop spending money on anything that is not essential for an entire month? In this episode, Jill sits down with Ashley to talk about her No Spend January challenge and the surprising things she learned along the way. From the habits we do not even realize we have to the mental tug of convenience spending, Ashley shares what it was really like to cut out the extras for 31 days. They talk about where the biggest temptations showed up, what ended up being easier than expected, and whether a challenge like this can actually change the way you think about money long term. If you have ever wondered how much you could save by simply pressing pause on spending for a little while, this conversation might make you want to try it too. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Joint bank accounts can be incredibly useful, but they also come with responsibilities that many people do not fully think through before adding someone to their account. In this episode, we are breaking down when a joint account makes sense and when it might not. We talk through common situations like married couples managing finances together, parents helping their kids learn how to handle money, and adult children stepping in to help aging parents manage bills. We also cover what a joint account actually means when it comes to ownership, access, and responsibility, because once someone is on that account, they typically have the same rights to the money that you do. If you have ever wondered whether a joint account is the right move for your situation, this episode will help you understand the pros, the risks, and the important things to think about before adding another name to your account. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Tax season is here, and whether you’re getting a refund or writing a check, it’s the perfect time to reset your financial game plan. In this episode, we’re walking through the five best ways to use your tax return so it actually moves the needle for you, not just disappears on things you won’t remember in a few months. From paying down debt to building savings and making smart investments, we’re breaking it all down in a way that’s practical and doable. And if you ended up owing this year, don’t worry, we’re talking through simple ways to better prepare so next year doesn’t catch you off guard. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Debt piling up from credit cards, personal loans, or unexpected life expenses? You’re not alone, and you’re definitely not out of options. In this episode, we’re sitting down with Mortgage Loan Officer Taylor Abney to talk all things debt consolidation like what it is, when it makes sense, and the biggest do’s and don’ts to be aware of before jumping in. We’re breaking down the difference between working with debt consolidation companies versus going through your local bank, what it can mean for your credit, and the smartest ways to tackle debt without putting yourself in a worse position long-term. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

When most kids are asked what they plan to do after high school, college is often the first and only answer that comes to mind. But what if there are more paths worth exploring before making that decision? In this episode, we sit down with Hannah Maruyama of Degree Free to talk about how parents can help their teens think more strategically about their future, starting with who they are and the life they want to build. From defining income, lifestyle, and work environment goals to exploring certifications, apprenticeships, and other career on-ramps, this conversation opens the door to possibilities many families have never considered. Whether college is part of the plan or not, this episode will help parents feel more confident guiding their child toward the path that fits them best. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Not every good financial decision shows up as saving more or spending less. In this episode, we talk about the money we are genuinely glad we spent and why those choices still feel worth it. From experiences and convenience to purchases that brought peace of mind, we share how spending aligned with your values can improve your life. This is a reminder that intentional spending is not about guilt or perfection, but about using money in ways that support the life you are building. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Big financial milestones tend to get all the attention, but it is often the small, steady wins that quietly move the needle. In this episode, we talk about the progress people rarely celebrate, like paying something off, sticking with a habit, and staying consistent even when life gets busy. We share why these moments deserve more credit, how they build confidence over time, and why showing up imperfectly still counts. If you have been working on your money and wondering if it is actually making a difference, this conversation is for you. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

A new year always brings new financial trends, and 2026 is no exception. In this episode, we share our hot take predictions on what we think will shape the money conversations in the year ahead. From shifting spending habits and evolving attitudes toward saving to changes in how people think about work, convenience, and financial security, we talk through what we are already seeing and what we believe will continue to gain momentum. This is not about crystal ball forecasts or complicated economics. It is an honest, practical conversation about the trends we think will matter most and how they could show up in your everyday financial life. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Health Savings Accounts are often misunderstood or completely overlooked when people choose their health plans. In this episode, we sit down with Tatia Wesley from FSB Insurance to fully explain what an HSA is, who it is designed for, and why it can be such a smart option within the right healthcare plan. We walk through how HSAs work day to day, how they can help cover medical expenses, and why they offer more flexibility than many people realize. Then we get into what really sets an HSA apart. When used correctly, it is the only investment account where your contributions, growth, and qualified withdrawals can all be tax free. If you have ever wondered whether an HSA is worth it or suspected you might be sleeping on a powerful benefit, this episode will change the way you think about your health plan. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Ever feel like no matter what you do, you’re somehow still behind? Like there’s an invisible checklist you’re supposed to be following and everyone else got the memo except you? The pressure to own a home, save more, be further in your career, or hit certain life milestones can quietly create stress and shame, especially when those “shoulds” don’t line up with your real life. Today we talk honestly about the financial “shoulds” society places on us, why they can lead to poor decisions, and how redefining success can bring clarity, confidence, and peace. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

If you ever wondered what it really looks like when a community bank says, “We’re here for more than transactions,” this episode is it. In this conversation, our marketing team looks back on 2025 and walks through everything we poured our hearts into this year. From hands-on financial literacy events and community celebrations to moments that honored our employees and the people we serve, this episode pulls back the curtain on the why behind the work. It’s honest, a little reflective, and a great reminder that the best impact is often made in the in-between moments. Tune in for a look at the year that shaped us and the community we are proud to be part of. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

The holiday season brings out the best in people. Everywhere you look there are toy drives, coat drives, Giving Tuesday posts, and countless opportunities to give back. But it is also the time of year when a lot of well-meaning generosity turns into confusion. What actually counts as a charitable donation? What does the IRS allow you to deduct? And how do you give in a way that truly makes an impact without creating a surprise at tax time? In this episode, we sit down with Matt Businaro, CPA and Chief Financial Officer of Farmers State Bank, to talk through how to give thoughtfully, what qualifies for a deduction, and the common mistakes people make during the biggest giving season of the year. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

There is a lot of talk online about the idea of a 50 year mortgage. Nothing official has been announced and for now it is all just hearsay. But if it ever becomes reality, it could change the way families buy homes and the way communities grow. In this episode, we break down what a 50 year mortgage might look like, how it compares to a 30 year loan, the real cost hidden inside the monthly payment, and why it could leave buyers with very little equity for a long time. For what it is worth, we share our honest opinion on whether this would help or hurt homebuyers in the long run, and what you can do to protect yourself no matter what the future of lending looks like. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

With all the talk about Americans receiving a tariff dividend check, scammers are already gearing up to strike. In this episode, we break down how fraud exploded during the 2020 stimulus payments and why the same schemes are almost guaranteed to circle back if tariff money ever becomes real. From fake IRS texts to AI voice calls to convincing look-alike websites, scammers will try anything to get between you and your check. We walk you through how the government actually distributes payments and the red flags to watch for so you keep every dollar that belongs to you. Stay informed, stay cautious, and tune in before the scam wave hits your inbox. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Tax expert Robert Baird sits down with us to walk through Donald Trump’s proposed “One Big Beautiful Bill Act” and what it could mean for business owners here at home. Robbie has a real gift for taking complex tax topics and breaking them into simple, practical insights you can actually use. In this conversation, he explains the major pieces of the proposal, how it may affect private and family-owned businesses, and the key areas to keep an eye on as the conversation in Washington continues to unfold. If you’re looking for clarity, direction, and a calm understanding of what may be ahead, this episode is a great place to start. Tune in to hear Robbie’s full breakdown. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Bills go up. You sigh, grumble a little, and pay them anyway. But what if you didn't have to? In this episode, Jill and Ashley walk you through how to politely negotiate lower rates on the everyday things we all pay for. They share personal stories, proven talking points, and easy ways to make those awkward money calls feel totally doable, and worth every penny you save. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Ready to give your budget a glow-up without carrying around stacks of cash? In this episode, we sit down with our mentee, Pyper Colp, to unpack her cashless “envelope” system that uses multiple bank accounts to keep spending intentional and stress-free. You will learn how to choose the right categories, name and fund separate accounts, set up automatic transfers on payday, and spend from one card while protecting yourself from fraud. Pyper also shares real-life tips for avoiding common pitfalls and staying consistent so your goals actually get funded. If you want a simple, upbeat way to save for trips, holidays, car costs, and emergencies without the guesswork, this one is for you. Hit play and start organizing your money like a pro today. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

If you’ve ever tried to stream a movie, work from home, or help your kids with homework in a rural area, you know the frustration of slow internet all too well. That’s changing in Southern Illinois thanks to Protek Fiber, a local company that decided to take matters into its own hands, and found the right partner in Farmers State Bank to make it happen. In this episode, we’re sitting down with Protek co-owners Cam McCurdy and Josh Watson, along with Chris Healy, President of Guaranteed Lending at Farmers State Bank, to talk about the $20 million financing package that’s helping expand high-speed broadband across our region. From climbing homemade towers to securing USDA-backed funding, this conversation is all about what can happen when local innovators and local lenders team up to bridge the digital divide and build a stronger Southern Illinois. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

The short-term rental market in Southern Illinois is shifting, and hosts across the region are feeling it. This week, Allison Hasler, owner of Southern Illinois Vacation Rentals (SIVR), joins us to give an insider’s look at what’s really happening, from slower bookings and changing traveler habits to the rise of mid-term stays and what’s still working in 2025. Whether you already own a cabin or are thinking about diving into vacation rentals, this episode breaks down the real trends shaping our local market and how to stay ahead in a changing industry. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Ever stared at your W-4 and thought, "What does any of this mean?" You're not alone. In this week's episode of Isn't That Rich, Jill and Ashley break down one of the most confusing forms in your new-hire packet, the W-4. From what "qualifying child" really means to how "other dependents" can actually lower your tax bill, we're explaining it all in plain English (and with a few laughs along the way). If you've ever wondered why your paycheck changes or how to make sure you're not over- or under-withholding, this episode is for you. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html The Isn’t That Rich podcast is intended for educational and informational purposes only. The views and opinions expressed by our hosts and guests are their own and do not constitute financial, legal, accounting, or tax advice. Farmers State Bank and its affiliates are not licensed accountants, financial advisors, or attorneys. For guidance specific to your individual situation, we encourage you to consult with a qualified professional who can provide advice tailored to your personal or business needs.

Ever wonder why you handle money the way you do? In this episode of Isn’t That Rich, we’re unpacking the four money personalities: Saver, Spender, Avoider, and Dreamer. From the thrill of an impulse buy to the comfort of a perfectly balanced budget, we talk about the quirks, strengths, and pitfalls behind each type and how they shape our daily decisions. Jared shares what it’s like to live in the moment as a Spender, while Jill opens up about her big-picture Dreamer mindset, and together they reveal how understanding your money personality can actually make finances fun. You’ll laugh, you’ll relate, and you might even discover a few things about yourself along the way. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html The Isn’t That Rich podcast is intended for educational and informational purposes only. The views and opinions expressed by our hosts and guests are their own and do not constitute financial, legal, accounting, or tax advice. Farmers State Bank and its affiliates are not licensed accountants, financial advisors, or attorneys. For guidance specific to your individual situation, we encourage you to consult with a qualified professional who can provide advice tailored to your personal or business needs.

What does it take to go from a small-town fisherman in Southern Illinois to the youngest Bassmaster Elite Rookie of the Year, and do it all by age 20? Trey McKinney has already reeled in record-breaking wins, secured major sponsorships, and built a reputation as one of the most exciting names in professional fishing. But behind the trophies is a young entrepreneur learning to balance prize money, branding, and smart investing, all while staying true to his roots in faith, family, and the outdoors. In this episode, Trey sits down with us to share his journey, the business behind professional fishing, and what it really takes to build a future on and off the water. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html   The Isn’t That Rich podcast is intended for educational and informational purposes only. The views and opinions expressed by our hosts and guests are their own and do not constitute financial, legal, accounting, or tax advice. Farmers State Bank and its affiliates are not licensed accountants, financial advisors, or attorneys. For guidance specific to your individual situation, we encourage you to consult with a qualified professional who can provide advice tailored to your personal or business needs.

Money conversations can feel awkward, especially when it comes to splitting bills. Whether you’re living with roommates, moving in with a partner, or sharing a life with your spouse, figuring out who pays what can either keep the peace or create tension. In this episode, we’ll break down different ways to share expenses fairly, the pros and cons of each method, and how to find the approach that works best for you. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Being a stay-at-home mom is often called “priceless,” but the truth is, if you outsourced every role she fills, from childcare to chef to chauffeur, the bill could top six figures a year. Yet too many moms are left out of the very financial decisions they help make possible. In this episode, we sit down with financial and wellness coach Anna Goff to talk about why stay-at-home moms deserve a seat at the financial table, how to protect yourself legally and financially, and practical steps every mom can take to gain visibility and security. Whether you’re a mom, a spouse, or simply someone who values the work behind a strong family, this conversation will change how you think about money, partnership, and worth. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

What does it really take to start a nonprofit from scratch—and grow it into an organization making a global impact? In this episode, Jared and Jill sit down with Haley Ottolini, founder of The Mosaic Initiative, a faith-based nonprofit combatting sex trafficking and exploitation. Haley shares her journey of turning a vision into reality, the early challenges and victories of launching a nonprofit, and how Mosaic is raising awareness in Southern Illinois while helping rescue survivors across the world. Whether you’ve dreamed of starting your own nonprofit, want a behind-the-scenes look at how one is built, or simply want to be inspired by a story of courage and impact, this conversation will leave you motivated and hopeful. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Banks are more than just places to deposit your paycheck. They are the backbone of small-town life. In this episode, Farmers State Bank CEO Charlie Holland shares how community banks turn local deposits into new jobs, thriving businesses, stronger schools, and safer neighborhoods. From protecting families against fraud to helping Main Street businesses pass from one generation to the next, Charlie explains why local banking matters now more than ever and how it impacts your everyday life in ways you might not expect. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

If you think inheriting a retirement account means a no-strings windfall, think again. Starting in 2025, the IRS is tightening the rules on inherited IRAs, and a missed step could cost your family thousands in taxes and penalties. Whether you’re planning to leave money behind or expecting to receive it someday, understanding the new 10-year rule could be the difference between preserving a legacy and watching it slip away. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Ever wondered how “regular people” are making extra cash online without creating their own products or starting a full-blown business? That’s the power of affiliate marketing. In this episode, we break down exactly what it is, why it’s one of the easiest side hustles to start, and how you can jump in with little to no upfront cost. From choosing your niche and building trust with your audience, to signing up for popular programs like LTK, Amazon Associates, and ShareASale, we’ll walk you through everything you need to know. You’ll also get practical tips for making your recommendations authentic, building real connections, and actually seeing commissions roll in. Whether you’re a blogger, social media user, or just someone with a small circle of influence, this is your beginner-friendly guide to affiliate marketing made simple. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

School is back in session, and for many of us that means it’s time to reset after a summer of road trips, pool days, and maybe a little extra spending. This episode aims to encourage you to give your fall budget a quick tune-up so you can feel confident about where your money’s going. We’ll share practical tips, easy swaps, and a few mindset shifts to help you keep enjoying the season while keeping your finances in check. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Marketing can feel like a beast. With endless tools, platforms, and advice flying around, it’s easy to feel like you're always one step behind. But here’s the truth: You don’t have to master it all at once. The most successful businesses aren’t doing everything, they’re just doing the right things really well. So whether you’re a brand-new business owner or someone who's been around the block but hasn’t taken the time to nail your marketing strategy, these five foundational steps will give you a solid place to start and grow. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Still driving to the bank? You might be missing out on some game-changing features. From snapping pics of checks to transferring money in real-time, online banking isn’t just convenient, it’s powerful. In this episode, we sat down with Customer Service Representative Taylor Shanks to uncover the online tools that can save you time, simplify your life, and keep your money moving on your schedule. If you’ve ever wondered what you’re not using (or what your bank account could be doing better), tune in now. You’ll be shocked at what your bank can already do without ever stepping foot in a branch. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Ever wondered if a CD is worth it and how much you really need to get started? In this episode, we break down smart CD strategies for every savings level, from $1,000 to $1 million. Whether you’re new to saving or sitting on a large lump sum, we’ll explain how to structure your CDs, avoid common mistakes, and even keep more than $250,000 fully insured at one bank. Don’t worry if you’ve never heard of laddering, PODs, or CDARS. We’re explaining it all in simple terms so you can start growing your money with confidence. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

In this episode, we’re sitting down with Ryan Masterson, Partner at Kemper CPA Group and a seasoned expert in business valuation and succession planning. Whether you're years away from selling or just starting to think about your exit strategy, this conversation is packed with insight on what makes a business valuable and what business owners often overlook. From practical steps to prepare for a sale to common mistakes that can cost you in the long run, Ryan shares what every owner needs to know before handing over the keys. If you’ve ever wondered, “What’s my business actually worth?” this one’s for you. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

If you’ve been thinking about a renovation, big purchase, or even paying off some high-interest debt, stop before you empty your savings. In this episode, we sit down with Taylor Abney to talk about HELOCs: what they are, how they work, and why your home might be the smartest place to borrow from. Learn how to unlock the equity you’ve already built, what to watch out for, and how to use a HELOC the right way. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

If you’ve ever stood in your living room staring at that chipped baseboard or outdated kitchen wondering, “Do I need to fix this before I list?”, you’re not alone. The truth is, prepping your home for sale can feel overwhelming. That’s why we sat down with one of Southern Illinois’s top real estate pros, Shelly Cain of Coldwell Banker J. David Thompson, to break it all down. Shelly has closed more than 271 deals in the past five years alone and knows exactly what makes a buyer walk through the front door, or drive right on past. From curb appeal to carpet choices, we covered it all in this week’s episode and here’s what we learned. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Would you turn down $85K for a $76K job? After this episode, you just might. Jill and Ashley dive into the hidden value of job benefits, comparing everything from health insurance and retirement match to PTO and remote flexibility, to show how a lower salary can actually be the better deal. If you have ever assumed more money means a better offer, this episode will make you think twice. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

If you’ve been dreaming of homeownership but feel stuck because of the down payment, this episode might just change everything. Jill and Ashley sit down with Chief Mortgage Officer John Streuter to uncover a little-known grant program that could give eligible homebuyers up to $10,000, no strings attached (well, almost none).We’re breaking down exactly how the Downpayment Plus® Program works, who qualifies, and how Farmers State Bank is making it easier than ever to take advantage of it. Whether you’re a first-time buyer or re-entering the market, this is the kind of insider info that can make homeownership feel possible.John shares real stories, simplifies the fine print, and answers questions you didn’t even know you had. If you or someone you know is ready to buy a home, or wants to be ready soon, this is a must-listen.https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

How do you confidently charge for something you pour your heart into? In this episode of Isn’t That Rich, Jill, Jared, and Ashley dive into the emotional side of pricing your work, especially when it feels personal. They unpack the guilt, the second-guessing, and the all-too-common “Can I get a deal?” moments that come with creative or service-based work. If you’ve ever wondered how to set fair prices, stand by them, and still feel good about what you do, this conversation is the permission and perspective shift you’ve been waiting for.https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Each Memorial Day weekend, Herrin, Illinois transforms into a vibrant celebration of culture, community, and carnival rides. But behind the funnel cakes and Ferris wheels is a team of passionate volunteers, decades of tradition, and a whole lot of planning. We sat down with HerrinFesta co-chairs Joey Helleny and Kelly Green to uncover the rich story, and massive effort, behind this beloved Southern Illinois tradition. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html 00:00 Introduction and Guest Welcome 00:44 History and Roles of the Co-Chairmen 01:46 First Year as Co-Chairmen 03:49 Festival Planning and Community Impact 05:25 Transition from Big Concerts to Free Entertainment 10:51 Volunteer Efforts and Economic Influence 18:45 Origins and Heritage of Heron Festa 22:37 Celebrating Heron's 125th Anniversary 26:24 Community Support and Sponsorships 29:07 Sponsor Involvement and Perks 29:53 Special Meals and Networking Opportunities 31:29 The Grand Parade and Midway 34:18 Community Contributions and Scholarships 38:35 Heritage and Community Involvement 44:39 Favorite Festa Moments and Performances 48:47 Wrapping Up and Future Plans

Graduation is exciting—but what happens when the diploma turns into bills, student loans, and your first paycheck? This episode is your no-fluff guide to the financial moves that actually matter after graduation. Learn how to set up the right checking and savings accounts, use your grace period to get ahead on student loans, build credit without debt, and take advantage of compound interest starting now. Whether you’re landing your first job or figuring out how to make your grad money last past the weekend, this episode will help you start strong and stay smart with your money, no business degree required.https://www.myfsb.com/about-us/isnt-t...

If you own a business with someone else, this is the episode you can’t afford to skip. We’re sitting down with two of our insurance pros, Eric Witges and Nathan Ashby, to talk about buy-sell agreements—what they are, how they protect your business when life throws a curveball, and why every partnership needs one. Whether it’s an unexpected death, disability, or just one partner wanting out, a buy-sell agreement can keep your business from turning into a legal and financial nightmare. We’ll break it down in plain English, share real-world examples, and explain how insurance plays a key role in funding the plan—so you and your partner can focus on building your business, not untangling it.

In Part 3 of our Credit Card Rewards series, we’re breaking down exactly how to redeem your points for maximum value—from flights and hotels to lie-flat seats and luxury escapes. We’ll walk you through real redemption examples, show you how to avoid rookie mistakes, and reveal our favorite tools (like Point.me and Points Path) to find the best deals fast. Whether you’ve got 20,000 points or 200,000, this is your step-by-step guide to turning them into your next vacation.00:00 Introduction and Series Recap00:44 Ashley Gets the Chase Sapphire Preferred01:16 Understanding Credit Card Promotions03:13 Redeeming Points for Travel04:01 Booking Through Credit Card Portals06:25 Maximizing Points Value12:02 Leveraging Technology for Award Flights14:37 Using Points.me for Award Flights21:46 Understanding Points Transfer22:05 Using Technology for Reward Flights23:13 Setting Up Loyalty Accounts25:58 Linking Loyalty Accounts to Credit Card Portals27:36 Searching for Availability and Comparing Costs29:33 Calculating Transfers and Watching for Bonuses30:47 Final Steps: Transfer and Book Immediately33:19 Exploring Airline and Hotel Partners40:12 Maximizing Point Value and Final Tipshttps://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html