Isn’t That Rich with MyFSB

Fix it or Forget it? What Actually Sells a Home

If you’ve ever stood in your living room staring at that chipped baseboard or outdated kitchen wondering, “Do I need to fix this before I list?”, you’re not alone.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

When $76K Beats $85K: The Hidden Power of Job Benefits

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

The $10,000 Homebuying Secret You’ve Probably Never Heard Of

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

It’s a Business, Not a Hobby: Charging Fairly Without Apologizing

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

The Big Impact of a Small-Town Festival - Pulling Back the Curtain on HerrinFesta Italiana

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.html00:00 Introduction and Guest Welcome00:44 History and Roles of the Co-Chairmen01:46 First Year as Co-Chairmen03:49 Festival Planning and Community Impact05:25 Transition from Big Concerts to Free Entertainment10:51 Volunteer Efforts and Economic Influence18:45 Origins and Heritage of Heron Festa22:37 Celebrating Heron's 125th Anniversary26:24 Community Support and Sponsorships29:07 Sponsor Involvement and Perks29:53 Special Meals and Networking Opportunities31:29 The Grand Parade and Midway34:18 Community Contributions and Scholarships38:35 Heritage and Community Involvement44:39 Favorite Festa Moments and Performances48:47 Wrapping Up and Future Plans

You’ve Got the Degree…Now What? A Financial Survival Guide for New Grads

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...

The Hidden Cost of Staying Home: A Mom’s Financial Reality Check

What happens when love, sacrifice, and financial dependency collide? In this episode of Isn’t That Rich, we sit down with financial empowerment coach Anna Goff, who went from stay-at-home mom to fierce advocate after a shocking wake-up call left her stranded out of state—with no credit card, no money, and no backup. Anna opens up about the hidden cost of stepping out of the workforce, the power dynamics most couples never talk about, and the simple steps every woman should take to protect her financial future. If you’ve ever said, “That could never happen to me,” this is the episode you need to hear.https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html00:00 Welcome to the Isn't That Rich Podcast00:29 Introducing Anna Goff: Financial Empowerment Coach01:29 Anna's Journey: From Stay-at-Home Mom to Financial Advocate02:23 The Power Dynamics in Marriage05:35 The Harsh Realities of Financial Vulnerability06:41 The Importance of Prenups and Financial Awareness13:53 The Emotional Toll of Financial Dependence19:48 The Need for Financial Conversations and Planning25:40 The Importance of Financial Communication in Marriage26:06 Opening Lines of Communication: The OR Framework28:44 Taking Action: Financial Steps for Couples29:43 Beyond Finances: Broader Conversations in Marriage31:31 Postnuptial Agreements: Options for Married Couples34:17 Recognizing Red Flags in Financial Relationships40:32 Simple Protections for Financial Security42:58 Building a Healthy Partnership46:09 Empowering Women: Final Thoughts and Resources50:40 Anna's Journey and How to Connect

The Secret to Protecting Your Business Partnership, Even from Each Other

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.

Credit Card Rewards Part 3: How to Redeem Your Points for Dream Trips and Hotel Stays

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

Credit Card Rewards Part 2: The Ultimate Guide to Strategic Spending for Big Rewards

Credit Card Rewards Part 2 is here—and this is where the magic happens. If you’ve ever opened a rewards card and missed the bonus by a few dollars, or wondered how other people are flying first class on points alone, this episode is for you. We’re diving deep into how to maximize your spending, hit those sign-up bonuses without overspending, and turn everyday bills into serious point power. Whether you're just getting started or ready to level up, this is the blueprint for racking up rewards like a pro.00:00 Introduction to the Podcast Series00:15 Recap of Previous Episode00:57 Maximizing Credit Card Points01:22 Signup Bonuses Explained05:45 Finding the Best Credit Card Offers12:42 Strategic Spending for Signup Bonuses20:52 Referral Points and Other Bonus Strategies23:55 Choosing the Right Credit Card24:36 Maximizing Rewards Based on Spending26:23 Strategic Use of Multiple Credit Cards28:03 Impact of Credit Cards on Credit Score30:16 Maximizing Bonus Category Spending39:37 Shopping Portals and Stacking Points43:10 Planning a Trip with Points47:09 Conclusion and Next Episode Teaserhttps://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html