Isn’t That Rich with MyFSB

Our 2026 Money Hot Takes

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

The Benefits Account You Might Be Sleeping On: The HSA

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

The Financial “Shoulds” That Create the Most Stress (and Why You’re Allowed to Ignore Them)

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

Looking Back on 2025 Together

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

How to Give Thoughtfully Without Making a Tax Time Mistake this Holiday

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

The 50 Year Mortgage Rumor Everyone Is Talking About and What It Could Cost You

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

Scammers Smell Tariff Dividend Money. Here’s How They’ll Strike

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

Trump's "One Big Beautiful Bill Act" And What It Means For Business Owners

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

Talk Your Way to Savings: The Art of the Bill Negotiation

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

The Cashless Envelope System: How To Budget With Multiple Bank Accounts

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